23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for the Discover Business credit card and was denied. A hard inquiry has now been added to my credit report from Discover Bank. When I called Discover Bank on XX/XX/XXXX, I was informed that my application was denied due to the status of a previously closed credit card account with Discover Bank. I proceeded to reasonably ask that, if my application was immediately denied based on information already in possession of Discover Bank, how could there possibly be a legitimate reason to complete a hard inquiry on my credit report? The employee I spoke with was unable to give me a valid answer. There was no reason for Discover Bank to do a hard inquiry on my credit report because, as is obvious, Discover Bank denied my application due to information they already had.
Product: Credit reporting or other personal consumer reports

DUE TO XXXX  THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained about XXXX, EXPERIAN, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and stated that all companies are violating my rights to privacy, including transaction history, reporting inaccurate and outdated information such as old addresses, phone numbers, emails and employers. I have inquiries that I did not authorize, there was no permissible purpose. The banks have violated my consumer rights by sharing my non public information with non affiliated companies such as credit reporting agencies. ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. 
( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Credit reporting or other personal consumer reports

On XXXX XXXX at approximately XXXX I called into XXXX XXXX to have myself removed from a charged off account that is reporting on my credit history. The representative confirmed that I am in fact listed as an authorized user and my husband is the primary account holder. The representative stated that this happens to be the only instance where they can not they can not remove an authorized user from an account after it has been charged off. There was no other option provided. I have researched on my own that this is untrue and unethical. This continues to damage my credit and I am not responsible for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. 

I want these items Deleted from my credit reports, effective immediately. I am attaching proof that Equifax has done nothing. 

Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 



Please delete the following accounts : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) bal. {$820.00} XXXX XXXX XXXX  ( Original Creditor : XXXX  ) bal. {$390.00} XXXX XXXX bal. {$23000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX. {$590.00}
Product: Payday loan, title loan, or personal loan

I took this loan out on XX/XX/2019 for only {$500.00}. Please see attachment for the outrageous interest rates they charge. They are charging 782 % which is illegal in the state of Ohio. Their max APR is 28 %. I shouldn't have to pay this loan back as it's not valid in the State of  Ohio especially if they are not licensed.
Product: Money transfer, virtual currency, or money service

I went to change a check of the amount of XXXX $ to the western union that is located on lXXXX XXXX XXXX XXXX XXXX XXXX  and the charge me XXXX to change it I think thats to much money
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my information for XXXX XXXX. I've been paying it to keep from getting a negative mark on my credit. But I was XXXX  during the time the account was set up. 

XXXX XXXX - Balance {$8100.00} Credit limit {$9800.00}
Product: Debt collection

I got a call from High Point Assest, Inc on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. These same people have been calling my family, in particular, my XXXX year old mother who wants to give them money my behalf. All of my payday loans were paid years ago. I received a letter via email but not U.S. mail. 

These are people who change their names and identities. This should be criminal. I had payday loans during the down fall until I could pick up a XXXX job. 

I believe I am going to create a script to possibly scare them as much as they are scarring my family.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I can't figure out why. I routinely check my credit report, but today there were discrepancies that seemed to appear out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the errors persisted. Im really worried, and I need the documents Ive provided to be thoroughly reviewed so that I can put this issue behind me and not have to stress over it anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX is in violation of the Fair Credit Reporting Act for refusing to have reasonable procedures in place to ensure maximum possible accuracy. I know my rights and I am being damaged by Equifax , Inc . 
1. Last week, I submitted CFPB Complaint # XXXX for the same reason I am submitting this one. 
2. Equifax XXXX XXXX chose to continue to harass me and refuse to delete inaccurate information from my consumer file and consumer reports, and refused to provide full XXXX disclosures as I have requested more than once. 
3. Equifax XXXX XXXX has chosen to respond by requesting my ID and utility bill that I already sent them back on XX/XX/2021. 

These are just stall tactics. I am being continuously damaged by Equifax XXXX XXXX and their violations of the Fair Credit Reporting Act. 

They are reporting and including information in my consumer file of entities that do not exist. There is no way for them investigate any information with a company that does not exist and that they have not provided me with contact information to contact myself. They are required to immediately and permanently delete every account that I have disputed, and provide the full XXXX disclosure in writing without further delay.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccuracies reported on my credit report, asserting that your agency, as a nonaffiliated third party, has violated several federal statutes. 

Nonaffiliated Third Party Violations : 1. Your agency, as a nonaffiliated third party, failed to notify me of your information-sharing practices and did not provide an opportunity to opt out before sharing my nonpublic personal information ( NPI ). This is a violation of 15 USC 6802.

2. Financial institutions are required to protect the confidentiality and security of consumers ' NPI. This is a violation of 15 USC 6801 ( b ).

Reporting and Accuracy Violations : 3. Under the Fair Credit Reporting Act ( FCRA ), you must ensure maximum possible accuracy of the information reported. This is a violation of 15 USC 1681e ( b ).

4. You are required to conduct a reasonable reinvestigation of disputed information. This is a violation of 15 USC 1681i.

5. Furnishers of information are required to provide accurate data. Your agencys failure to ensure the accuracy of reported information breaches this obligation. This is a violation of 15 USC 1681s-2 ( a ).
Product: Credit card or prepaid card

I was abuse and taken advantage of according to the Congressional findings ( 15USC 1692 sub section 802 ) of the FDCPA this has cause me and my family financial strain. 15USC 1692 ( c ) 15USC 1692 ( d ) 15USC 1692 ( e ) and 15USC 1692 ( f ) these are the violations that were committed against me as consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle financed through CIG Financial. The vehicle was totaled in an accident but the balance owed was paid off by XXXX XXXX XXXX XXXX. I am attempting to get the account on my 3 credit reports taken off because theyre reporting it as a charge off & as a collections. Additionally, they are reporting different information to the 3 credit bureaus ; which I attached a screen shot of all 3 reports. ( 1 ) My XXXX report shows a derogatory mark but that doesnt show on the other two reports. ( 2 ) One shows a charge off and no payment, and ( 3 ) one shows collections ; which did NOT happen, and isnt reported on the other 2 reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began the application process to refinance my mortgage through my local credit union in early XX/XX/2020 and was denied due to there being a foreclosure being reported by Citimortgage on the very property that I still reside in. However that reporting is not listed nor mentioned in any of the 3 credit reports available to me. ( XXXX, XXXX  and XXXX  ) The credit union stated that they could not disclose where the report was received from. The loan officer suggested that I take the issue up with Citimortgage. I called XXXX  by phone and they could not locate a reporting of the foreclosure. 

In addition to all of this my ex wife was denied on a mortgage application of her own due to the foreclosure appearing on her credit report as well. Upon calling Citi and being directed to an automated message to mail or fax a dispute to them. I faxed the attached letter to them on XX/XX/2020 with no response whatsoever.
Product: Credit reporting or other personal consumer reports

After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/XXXX XXXX 3 additional letters after in regards to not only this issue but many more that is stated in the attached letter. 


I have requested proof of these accounts with no response
Product: Credit card or prepaid card

On XX/XX/2022 I purchased an in app ( in game ) item from XXXX, for a game called XXXX. The item was fraudulently listed, and wrongfully represented. 
I made this dispute with and through XXXX  they decided in my favor. 
The app then revoked my access to their content. Including but not limited to content, that I paid for. 
I tried to dispute this with my credit card company, but they passed me to XXXX, and XXXX said it was supposed to be resolved with the credit card company. It is a viscous cycle, and I need a resolution. 
The following dates, are dates that I made in app purchase for content, content they will no longer have access to, because of the initial dispute. 
XXXX {$19.00} XXXX {$19.00}, {$19.00} XXXX {$19.00}, {$19.00} XXXX {$19.00} XXXX {$19.00}, {$19.00} XXXX {$19.00} XXXX {$19.00} XXXX {$9.00}, {$9.00} XXXX {$19.00} They have made no clear way to contact them, and/or voice my issues nor a clear way to dispute a credit card transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believed my identity or information has been stolen. I have received multiple credit card application confirmations to my address along with phone calls asking for unknown names. One was a Target credit card which I called and notified them it was not me. The most recent is a Loan Application letter from XXXX XXXX XXXX. I do not know what to do to secure my information. Please advise. Thank you.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused signific ant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

After paying off a car loan my credit score went down 11 points. No late payments, no additional debt, no negative information was added. I contacted Experian to get an explanation but they said under the law, they can't give me advise. I argued that I wasn't looking for advise but an explanation since they are they ones that lowered my score. They are hiding behind a law to avoid given consumers reasons why their score has changed, this is unacceptable. It is hard enough trying to correct an error, now they don't even have to explain their actions. They told me to hire a financial adviser to tell me why. So I need to hire someone to tell my why they lower my score? does that make sense? 

The credit bureaus are a monopoly and they know it. People 's lives are in their hands but they seen to cater to the financial institutions more than the consumers.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX Account number XXXX Recent balance {$17000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$17000.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Address identification number XXXX Type Credit Card Terms Not reported On record until XX/XX/XXXX Credit limit or original amount Not reported High balance $ XXXX  Monthly payment Not reported Date of status XX/XX/XXXX Responsibility Individual Comment Account closed at credit grantor 's request. 
Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX number XXXX .... 
Recent balance {$1300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX Address identification number XXXX Original creditor XXXXXXXX XXXX XXXX XXXX Type Debt Buyer Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount Not reported High balance Not reported Monthly payment Not reported Date of status XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiry : XX/XX/2017 Chase Card XXXX, DE XXXX ( XXXX ) XXXX
Product: Student loan

On XX/XX/XXXX I received a letter from borrowers defense that my loans will all be discharged and any money paid will be refunded to me.

On a call with XXXX XXXX XXXX XXXX XXXX, they finally cancelled their portion and refunded me {$2000.00} on XX/XX/XXXX. I called them to get more information because AIDVANTAGE will give me zero information about amounts or even to admit these should be discharged or refunded. All they will say is that it's on forbarence. On the phone they said it shows I am due {$17000.00} in refunds. 

I've been on the phone with Borrowers defense multiple times over the past year and a half and they keep telling me to check with my servicer and agree my loans should be discharged.

Current loans with AIDVANTAGE are below totaling {$52000.00} Consolidation Loan LOAN DATE XX/XX/XXXX TOTAL BALANCE {$36000.00} Consolidation Loan LOAN DATE XX/XX/XXXX TOTAL BALANCE {$9100.00} Consolidation Loan LOAN DATE XX/XX/XXXX TOTAL BALANCE {$2000.00} Consolidation Loan LOAN DATE XX/XX/XXXX TOTAL BALANCE {$4800.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.