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

XXXX credit card account was opened under my name by somebody I don't know without my consent, and there has been {$9000.00} charge on this credit card which I didn't make. This is a fraudulent activity, which I already contacted the card issuer and asked to investigate and close the account ASAP in XX/XX/XXXX. However, the account is still open and due to the interest, the balance increase to {$9400.00}. I contacted the company again on XX/XX/XXXX, asking about the status, and the representative told me that the investigation is still ongoing, and should be completed in the next five business days. This hasn't been done so. 
There were XXXX other credit card opened as fraud ( XXXX, XXXX, XXXX XXXX XXXX XXXX and they already closed the accounts. 
I don't understand why XXXX XXXX XXXX XXXX bank takes so much time to close the account and take the balance away, which impacting my credit score.
Product: Debt collection

I have been harassed by this company Wakefield and Associates. There is debt listed on my credit report from this company with three different amounts : XXXX, XXXX, XXXX I am not liable for the debt owed to Wakefield and Associate. I do not have a signed contract or agreement with this company. Please delete these negative and inaccurate accounts from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been quite a few years about 4 to be exact when I first started noticing having problems with certain things like me getting confused with another person at first I thought it was just me I was just random then I started noticing certain charges certain accounts open and my name certainly mail coming to my address that I never knew what was going on I started contacting the appropriate places nothing ever got done I ended up getting XXXX   for a XXXX XXXX later to find out when I asked for XXXX  I seen multiple things on there that I didn't recognize when I got out I pursued complaints with the FTC I thought that's where I was supposed to complain I never heard anything back XXXX never heard anything back my concern is I recently started looking into my credit because I needed to get an emergency loan for XXXX  XXXX and now I've been denied by every place you could imagine when I just need to have XXXX done and I need legal help and I've reached out to banks loan companies everywhere to try to get a loan to get emergencies taken care of my credit report showed things on there that were inaccurate and when I disputed them immediately they told me that they would delete them and I even have screenshots of showing they're supposed to be deleted yet when I go on XXXX   or XXXX XXXX  still has them on there as if they're still new but one site has them deleted and then I contacted XXXX   XXXX  told me I was part of some data breach so I signed up to be in part of the settlement I don't even know if that's true or not The bottom line is all I've tried to do was get credit fixed all I've tried to do is get in to have XXXX done I don't have money to do it I'm in the middle of a bunch of complaints with medical departments because I'm pursuing a lawsuit because I'm XXXX  XXXX I'm on a time limit and no matter what I keep running into this where I can't get a loan from any place and it's due to these inaccurate things in my credit report some of them are mine and I will have tell you which are mine and which are not But most of these I have either settled or I was insurance or I have recordings of talking to the places where they told me a different prices were supposed to be paid The whole thing is it's so inaccurate I don't know what to do anymore I need a loan and no place will help me because of this no one will talk to me because I can't communicate on the phone cuz I don't have the phone and I need someone to contact me or help me get a loan and I can't do it without this credit being fixed bottom line I don't have any credit I've never had a loan I've never applied for anything in my life and I need help I have a few days left to save my XXXX   but I can't get anywhere unless I pay for the XXXX or get the help pursuing a legal action with these medical companies I have proof and documentation I need to know what to do
Product: Credit reporting or other personal consumer reports

I am writing regarding a eviction on my report and I am disputing any negative items on my report as it is erroneous and unjustified according to consumer law 15 usc 1692c and 15 usc 1682n I solely have to right to have these items removed from my records immediately 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  Thank you
Product: Checking or savings account

In XX/XX/XXXX, my checking account was placed on restriction due to fraudulent check deposits on my Navy Federal Credit Union checking account. They were in the amount totaling over {$2000.00}. I had no knowledge of these deposits until I was unable to log onto my NFCU account via the XXXX app. When I found out about this issue, I immediately called NFCU about the matter and they went ahead and open up a Fraud claim. Two weeks later, I got a letter in the mail stating that the claim was denied & I owed the negative balance on my account. I have been fighting this matter for seven months and each time I would speak to a Security rep, they would tell me that they are looking into the matter and will get back to me. That never happened, as I had to always make the first move. On XX/XX/XXXX, I spoke to another Security rep, as I was in the process of starting a new fraud claim to retrieve my checking account back. The rep told me that I didn't need to start another claim and the only way that I can get an appeal is if I pay the negative balance on my account. I should not be liable for paying back this balance, as I did commit the illegal actions. It is a major inconvenience, as I haven't been able to use any services that Navy Federal offers ever since last year & I had to pay off and close out my credit card that I had with them. I have been a loyal member with NFCU ever since XX/XX/XXXX & I would like to remain a member.
Product: Money transfer, virtual currency, or money service

I am filing a complaintagainst Cash App ( Block, XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX customer service and unfair practices, which violate 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 XXXX was untair an deceptive, as they didnot & XXXX comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I disputed a {$2000.00} loan I got through XXXX! It took over 2 months! A regular bank would have took 1-3 days! XXXX told me I didnt need to keep making payments! I figured I would get refunded my money and no longer have that loan within a month anyway! Once I saw my score dropped XXXX points on Experian, I then paid the loan in full! They finally disputed and refunded me my money back soon after. But my score is still low, it still shows I owe on that loan, and it still shows I have a late payment when I was told I didnt have to keep making payments! Funny how my score never increases when I make the payments, but soon as I stop, my credit score takes a hit!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraud listed below. I demand it is removed from the credit report immediately. XXXX XXXX XXXXXXXX XXXX account # XXXX. The FTC report is attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT AND DUPLICATE!!!!!!!!!!!! 





In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally profected consumer rights to privacy and confidentiality under 15 USC 1681. I told the credit bureau XXXX, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX XXXX Account number XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account number XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 XXXX 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.
Product: Payday loan, title loan, or personal loan

In XXXX, I went to my bank to close my checking account and there was a substantial amount in the account. After the bank research the transaction, the bank indicated the {$9400.00} ACH deposit made on XX/XX/XXXX came from Lending Club. I contacted Lending Club on XX/XX/XXXX and said I did not apply for this loan and to provide me with documentation with my signature indicating that I authorized this loan. I will return the principle amount less the payment taking from my checking account in the amount of {$360.00}, which I did not authorized. I asked where they obtained my personal information. The gentleman who assist me refer me to the fraud department. I received a letter denying my claim and no supporting documents indicating I applied for this loan. Called Lending Club again and no loan documents where produced. I asked if a can repay the principal loan amount with no fees or interest. I want to rectify this situation immediately, its damaging my credit. Please help to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy 's Department Store Credit Card was opened under my personal information without my knowledge. The information that is reporting on my credit report is inaccurate, and demand that it be deleted.

Please advise.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, and Equifax are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well.Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. For example, XXXX currently shows a balance of {$1400.00} and a status of Open with the last payment showing XX/XX/XXXX, XXXX is currently showing a balance of {$1500.00} and an original balance of {$1500.00} with the limit as {$1400.00} and shows last payment of XX/XX/XXXX and is reporting 3 late payments ( 30 days late XXXX XXXX 30 days late XX/XX/XXXX, and 60 days late XX/XX/XXXX ) with a payment status of 90 days late and a past due amount of {$180.00}. Equifax is reporting a balance of {$1400.00} with a payment status of not more than 2 months behind with one 60 day behind payment in XX/XX/XXXX XXXX would like this inaccurate account immediately removed from the credit reporting agencies immediately or I will request the maximum amount per each violation.
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. 

XXXX XXXX XX/XX/2024 15 U.S. Code 1681e - Compliance procedures Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I am writing to bring to your attention a discrepancy I identified upon reviewing my consumer report, specifically pertaining to two instances of reported late payments on an account where I have consistently maintained a timely payment history. 

Recognizing the pivotal role that consumer reporting agencies play in maintaining the integrity of individuals ' credit histories, I hold a high regard the responsibility to ensure accurate and precise reporting. It is imperative that consumer information is reported with the utmost accuracy to preserve the integrity of credit profiles. 
upon thorough examination, I have ascertained that the reported late payments are inaccurate, as I have consistently upheld the terms of my financial agreements by remitting payments in a timely manner. Consequently, I kindly request the expeditious correction of these inaccuracies, with the appropriate adjustment to reflect the accurate status of " paid as agreed on time ''. If not please provide proof with statements that these payments have not been paid on time. If proof can not be provided I demand these payments be updated to paid as agreed. 

To Facilitate this process, I have attached a screenshot. I appreciate your prompt attention to this matter and trust that the necessary steps will be taken to rectify the inaccuracies promptly. 

Also please investigate the inaccuracies that has been reported differently between the credit bureaus TransUnion, XXXX XXXX XXXX should all have similar and accurate information. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My credit report was dropped due to these 4 companies Cap One, XXXX, XXXX XXXX, and XXXX. My account was on security lock monitor during the inquiries.I am very disappointed because my credit was ran without permission, Capital one was suppose to pre-approve a card to up my credit instead it was ran numerous time.All 4 company didn't suppose to check my credit.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am contacting you and Experian with hopes to have XXXX XXXX account # XXXX that is due to delete XX/XX/XXXX from my credit file. It has been a long 7 years and while XXXX and XXXX has already removed the items months ago, I gave up fighting with Experian who seemed to have given me the run around. I have waited patiently and I think justice has been served. This account has been a part of my ID Theft case since XXXX and I am again asking that they please honor my request a few days early before removal. I am in the process of trying to get cash from my home due to my economic hardship and this is the only thing on my report that is hurting me tremendously. 

Experian should have all of my original documents that was sent such as my FTC XXXX, XXXX Police report, my ID and more. Experian can you please delete sooner than later. It has been 7 years minus the 9 days left.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I received a letter from this company stating that they were trying to collect a debt. I sent a letter to them via certified mail. It was sent XX/XX/year> and received by them, XX/XX/year>. I haven't gotten a response from them.
Product: Credit card or prepaid card

I requested for a new card from EPPICcard, after a fraudulent purchase was charged to my debit card in XX/XX/2020. I Immediately was able to contact the company that made the charge and my funds, {$85.00} was returned that week. However, I did not receive a new card from EPPICCard until the XXXX of XXXX. During this period of four months, 5 deposits were made from the Child support office. they are as follows. {$40.00}, {$200.00}, {$1100.00}, {$200.00}, {$200.00} plus the previous balance of {$85.00}, tolling {$1900.00} as my new balance. when I received the new card from EPPICCard, i only had a balance of XXXX. I discovered that {$480.00} is missing.
Product: Vehicle loan or lease

On XX/XX/XXXX I got ta car from XXXX on XXXX XXXX # XXXX XXXX. I was charged extra interest. I paid {$380.00} to Exeter Finance XXXX. A consumer law has been broken. On XX/XX/XXXX the car broke. I have warranty called XXXX that fixes specific parts of the car. My engine needed a replacement so i sent the car back to a company that warranty is through. It was called XXXX XXXX they found out it was the motor and tried to charge me {$7000.00}. They wouldnt fix it because I didnt have proof of oil changes. Before I sent the car to the shop they didnt tell me about any receipts. They cheated me. XXXX is a big scam. Exeter is trying to make me pay {$13000.00} for a car that is not running. I need help. The day I got the car they ran my credit several times to see if I can qualify for a car. They cheated me. 

Exeter Finance is the finance company that gave me the loan they want me to pay {$13000.00}.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint regarding the handling of my credit report by Equifax, XXXX, and XXXX. Despite multiple attempts to resolve inaccuracies on my credit report, the reporting agency has failed to address my concerns adequately, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Violation of FCRA 15 U.S.C. 1681i : My letters, which were written using accessible software available to everyone, have been disregarded. If the agency chooses not to process or address these letters, they are violating the law. The assumption that assistance from a third party may be available does not justify delaying the processing of consumer letters. No Power of Attorney is required to address my concerns.

Failure to Dispute Inaccurate Information : According to FCRA Section 611 ( 15 U.S.C. 1681i ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any incorrect information on my credit report. The allegations of delinquency and derogatory information against me are entirely false. These claims fail to comply with basic reporting standards and do not meet federal or state requirements for reporting. 

Request for Permissible Purpose Evidence : I demand proof of a permissible purpose for the inquiry or account within my report. The lack of such proof indicates that the agency has not fulfilled its responsibilities adequately. 

Impact of Equifax Data Breach : My information was impacted by the Equifax data breach, leading to multiple fraudulent items appearing on my credit report. I did not authorize the sharing of my non-public information, and the reporting of this information is not fair and equitable as per 15 U.S.C. 1681 Section 602A.

Specific Violations Include : 15 U.S.C. 1681 Section 602A : Right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : Consumer reporting agency can not furnish an account without written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse items of information older than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibition of furnishing inaccurate information knowingly or with reasonable cause to believe the information is inaccurate.

I am granting a 30-day period from the date of delivery of this letter to rectify the situation. I request tangible evidence of the actions taken and an updated copy of my credit report. If the allegations are indeed false, I expect them to be promptly removed from my credit report. 

Please see the attached letter for the details of my dispute. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX accounts are all fraudulent and beed to be deleted I have contacted these companies and no MAN or WOMAN has come forth and validated a debt. 

15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 16 Section 604 2. Consumer reporting agencies can not furnish an account without my written instructions.

These are clear violations of rights. I do not do business with these corporations and no MAN or WOMAN has said a debt was due
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX has reported a rental/leasing balance to both Transunion and XXXX they claim to have originated in XXXX. I have contacted both Transunion and XXXX multiple times to dispute this due to the fact that I did not have any such leasing activity in XXXX. Both Transunion and XXXX continued to report back that the debt was valid. I eventually contacted XXXX XXXXXXXX XXXX XXXX to demand back-up records for the balance. They responded and provided me with an invoice from XXXX of XXXX. They falsely represented to the reporting agencies that the debt originated in XXXX. I once again contacted both Transunion and XXXX in XX/XX/XXXX to dispute the charge and provided the invoice proving that the debt in fact originated in XXXX and is well past the statute of limitations to be included on my credit record. Each of them once again represented that the debt is valid and no action was taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the following unauthorized inquiries : XXXX ( XX/XX/XXXX & XX/XX/XXXX )XXXX XXXX XXXX XXXX XXXX XXXX  )XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX ( XX/XX/XXXX )