23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I want to remove the fraud Inquiries from my credit file XXXX Corelogic Credco, XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2024 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reported to XXXX XXXX, XXXX and Equifax that a student loan was appearing on my credit report with a number that doesn't belong to me and inconsistent info I do not recognize. XXXX XXXX checked my name and SS # over the phone and said they did NOT have record of me owing anything, it appeared to be a mixed filed error and would forward the case to a specialist who would resolve it in 9 days. Instead, they continued to report to the account as mine with inconsistent data to XXXX and Equifax at the end of XXXX when the issue was supposed to be resolved causing me an entire extra cycle of bad credit reporting when I am in need of financing with what should be an excellent record. I waited a full 30 days before calling XXXX XXXX about it two more times and when I finally reached the specialist, he tried to tell me the loan was mine but couldn't provide proper history or dates. The account number is not mine, the data reported to the two unions is not consistent or complete, XXXX showed a recent payment made ( def not from me ) and shows full amount as a current balance, min monthly payment and NEW negative item even though the account in question was closed and charged off in XXXX though both unions have different payment histories. The account also seems to disappear at random with no data or report for various timeframes and then come back.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from XXXX was illegally re-aged and sold to a new collection agency. After disputing this account, the collection agency responded, saying that they have returned the account to the original creditor and notified Transunion to remove the account from my credit report, as it was invalid and had an illegally re-aged date. The original creditor changed the " open '' date of the account from XXXX to XXXX to make it appear as a new account. After sending proof of this to Transunion ( proof of the age of the debt being from XXXX, proof of the collection agency closing the account and reporting that the information was innacurrate to Transunion and requesting they remove the illegally re-aged account. etc. ), Transunion ignored the evidence, the request to correct and remove the account from my credit report, and they continue to report this illegally re-aged account, which is a violation of my rights and of the law.
Product: Prepaid card

I am unable to use this Amex gift card online on XXXX or on XXXX. It was advertised as a card that could be used " anywhere Amex is accepted '' and this is not true.
Product: Debt collection

This account that LVNV Funding alleges was already removed from my credit report, I do not have any contract with them no have they had any correspondence with LVNV Funding, please removed this Item immediately as I have went through the proper channels to have erroneous account removed from my credit report, below are attachment showing it has been deleted first from XXXX in XXXX and later from XXXX and XXXX, thank you for resolving this matter quickly as it is detrimental to credit fairness and accuracy as well as my credit well being
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened atOFFICE OF THE ATTY GENER on XX/XX/XXXX with a balance of {$2500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, as the duly appointed Subrogee and Executor of the XXXX XXXX XXXX XXXX ESTATE ( and any and all derivatives spelling ) have been seeking for immediate action and fiduciary trusteeship of EXPERIAN due to erroneous information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. EXPERIAN has failed to properly remedy and investigate this matter. SEE ATTACHMENTS for further detailed and all notices and documents that have been sent to EXPERIAN, including XXXX tracking number and screenshot of date of delivery. You EXPERIAN are reminded of your fiduciary obligations under trust law, which obligate you to act in good faith and protect the interests of the Beneficiary ( XXXX XXXX XXXX ). One of the principles of equity is " One who comes to equity must come with clean hands ''. EXPERIAN has a fiduciary RESPONSIBILITY to be in honor and act in good faith. Im expecting no more than 5 ( five ) business days for our credit file to be updated with the accurate information and status [ SEE ATTACHMENTS ], as it should have already been. Another principle of EQUITY is " Equity recognizes what should have been done as already done ''
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXXXXXX XXXX XXXX Account Numer : XXXX XXXX XXXX Account Numer : XXXX XXXX XXXX XXXX Account Numer : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was suddenly unable to access my funds due to my account being reset. I had previously asked Binance to do this a few months ( XXXX wnd ) ago due to basic verification ( which I had at the time ) not supporting withdrawls. This normally wouldn't have been a problem, but unfortunatly they decided to resolve the issue while I was trading. This means that my funds were locked now in a different currency for a different amount of time intended. ( high price volitility made this much worse ). I shrugged this off thinking I just needed to resubmit my verification and that it would be done within a gew days ( Like it had prior ). A few days later ( XX/XX/XXXX ) I submitted a ticket due to concerns I had about the second verification. Mainly the fact that the first few times I tried submitting it, the request failed to go through. This made me think that perhaps something went wrong again, but it appeared as if it went through anyways. Fast forward two months later, I still hav n't gotten a response ( aside from one that was automatically generated ) nor has my verification / ticket been reviewed. Any new tickets get merged with the old one, which has the priority as unlisted, so any attempt to resolve this basically gets pushed aside. By far the worst customer experience I have encountered. I just need access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate. 

I am complaining regarding violations of law by DiscoverCard.

DiscoverCard reports to my credit file, account number XXXX, and is the furnisher. 

DiscoverCard, and they are reporting the on record til reporting information directly contradicting other data reported for the same issue and falsity reporting that the debt is to be removed from my credit files on the incorrect date of XX/XX/XXXX. 

The evidence being provided to you today is proof beyond a reasonable doubt and admittedly by the creditor as seen in their admission and into entry notes to my credit report verifies the remove from record is XX/XX/XXXX. 

The statement that they provided to you ( see attachment ) claims that the late 30 days initial date of delinquency began XX/XX/XXXX and by their own account, a fact, the expiration of the XXXX rule, would be XX/XX/XXXX. ( Not XX/XX/XXXX as you and the creditor Continue to report inaccurate data The creditor has had also 7 years to get this information right if it were a validated account thus far and the creditor has engaged in other illegal behavior to re-age this account by reporting several months of satisfactory payments to the credit bureaus recently and maliciously and has not yet answered to that complaint. 

DiscoverCard, The creditor, keeps changing dates and reporting fictitious payments to this account to re-age this collection account.! 

Also, Discover card tried to extort money from me through a collection agency that impersonates a law firm and had that agency send me a letter recently asking for over {$1000.00} more than the debt as listed by them previously.
Product: Debt collection

I entered into a consumer credit transaction with only the U.S. Department of Education only in 2013. However, Great Lakes Educational Loan Services Inc. acted as the servicer and debt collector for this alleged loan. They have violated countless federal laws by collecting, attempting to collect an alleged debt and illegally sharing transaction details of a federally protected consumer with several other uninvolved parties and without my prior written consent. I have begun my private administrative process and attached below is my first Affidavit of Truth, Cease & Desist letter, Exhibits and Invoice for all there willful and negligent violation of federal law.
Product: Credit reporting or other personal consumer reports

The collection agencies National Credit Systems with account # XXXX has engaged in false and misleading practices violating FDCPA 807. Since my dispute Ive gotten 2 vulgar and disgusting emails from someone requesting money associated with that address on XXXX XXXX. In which I find very disturbing and strange to all of a sudden receive after disputing Nation Credit Systems. Which violated law 15 USC 1692. The fact that they have my information without me signing paperwork with them means they got my info without my consent. That's called FRAUD. Furthermore providing misleading forms violating FDCPA ( 812 ).
Product: Mortgage

On XXXX closed on my first home at age XXXX. I was given 7 pages of XXXX of payments, which with ins was {$990.00} a month w INS. After XXXX yrs my new statement came in and the monthly payment was increased by {$500.00}, now I'm looking at a XXXX XXXX  month payment. I called the city & was informed the assessment done with previous owner was taxable & capped at $ XXXX, a year later the assessment is now $ XXXX which now increase my month payment by {$500.00} each month. The city said our realtor or lender should have informed me of this, the lender said it is not their job to know each city protocol. How can this be an oversight that the realtor, lender, city, and closer all failed to mentioned. My fiancee has XXXX & I'm a seasonal employee who was approved for a. 2.8 % fixed conventional loan in good standing yet at no point did anyone mention my mortgage after a year may increase as much as a third. I took in account a slight increase, but have 7pages from the lender, documents from the realtor when I made my offer, & along w the city everyone is pointing fingers to each other on this " expected oversight '' being off another {$500.00} on a {$900.00} mortgage is not an expected oversight. Meantime noone or nowhere does my papers mention a suppose proposal A or cap. All I get is accusations of others failing to do their job, yet all give me a different reason for increase.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX Balance : {$1800.00}
Product: Credit reporting or other personal consumer reports

I NOTICED ON MY CREDIT REPORT THAT THERE WAS FRAUDULENT ACTIVITY ACROSS THE BUREUS. THIS IS EFFECTING MY ABILITY TO OBTAIN CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017 I bought a gold chain from XXXX XXXX. It had a bad clasp so I returned it by the end of XX/XX/XXXX. Apparently I had to pay {$35.00}, {$8.00} for shipping ( was not refunded ), I did n't get a statement in XX/XX/XXXX, in XX/XX/XXXX they said I owed {$35.00}, and I called their XXXX number to find out why.
They informed me I had a {$25.00} late fee for not paying the shipping charge, and I told them I had n't received a bill. They also had reported me as late to the credit bureau 's. This took my high credit rating down to the low XXXX 's.
They took the {$25.00} late fee off, but did n't notify the Credit Bureau 's. This is the 2nd time I have had trouble with XXXX XXXX. I will not use them again. Apparently I had to pay {$10.00} to close the account, ( paid in full ).
I should have been credited for the shipping also, since it had a bad clasp
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Vehicle loan or lease

I went to XXXX XXXX for a consumer credit transaction who then extended my credit to Santander bank. They furnished a contract obligating me to pay certain fees. Among these fees was a finance charge that did not include insurance which I had pay separately from the finance charge which is illegal under TILA 15 U.S.C 1605 ( C ). They also violated 15 USC1605 ( a ) which states the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. The finance charge does not include charges of a type payable in a comparable cash transaction meaning {$1600.00} in cash they received as a down payment was also illegal. This constitutes fraud which voids any contract. 15USC1692 ( h ) states if any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. They have never presented proper paperwork or any paperwork for that matter of my right to rescind this transaction pursuant 15USC 1635 ( a ) ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, There is an Unauthorized Credit Inquiry by Your Company on my Credit Reports. While checking my personal credit report, which I acquired from XXXX XXXX, I noticed an inquiry made by your company. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above.If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence usedin Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I opened a checking account on XX/XX/XXXX with personal banker XXXX XXXX. There was a promotion with opening an account and the bonus was {$500.00} for a balance level of $ XXXX. The balance had to be deposited within 20 days of account opening and the balance had to be maintained for additional 60 days from the XXXX day of opening the account. I deposited {$30000.00} on XX/XX/XXXX. I have not received in early XX/XX/XXXX, therefore I reached out via phone and Citi Bank said they did not see a promotion offer in my account. I went to the bank ( branch where I opened the account ) and first, they said no promotion existed. I showed them all the documents I had saved from opening the account and they said they would submit a case to investigate. I followed up today on XX/XX/XXXX and they said no case was reported and they would submit a new report XXXX. I think their practice is unethical and fraudulent. Online there are many reports of people experiencing the same issues.
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes with XXXX, XXXX, and Transunion. I have not recieved the results of the investigation. There are numerous discrepancies on my credit report that need to be fixed or deleted. Please assist me by ensuring the bureaus investigate.
Product: Credit card or prepaid card

My card was cancelled out of the blue and I had over {$800.00} of travel rewards which I was counting on for our family vacation this year. I have been a card member in good standing since XXXX. We were not delinquent but I did maintain a zero balance for a few months. 

COPY OF EMAIL CONTENTS : ACCOUNT CLOSURE Account number ending in XXXX Bank of America Unfortunately, we've made the decision to close your credit card account ending in XXXX on XXXX. 
We wanted to let you know about this change in your credit card account status as soon as possible. We want to make sure you understand how this change could affect you and what you can expect. 

We'll be sending you a separate letter by mail to explain why we made this change. Please read it carefully. It provides you with more detailed information. 

If you have any recurring payments linked to this account, please be sure to make other payment arrangements. 

We apologize for any inconvenience closing the account causes you. 


Learn more about understanding and improving credit by visiting XXXX XXXX XXXX, which provides tools and information to help you manage your money. 

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