23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if
, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

i sent a dispute on XX/XX/XXXX and its been under review since then. transunion told me its nothing they can do and i just have to wait for the company to respond. the file number for the dispute is XXXX
Product: Debt collection

I have disputed alleged accounts from PRA prior and PRA has been unable to provide any proof of an agreement between myself and PRA, therefore if PRA believes there is an agreement with myself this would be a fraudulent agreement as I have never agreed to any agreement of any kind with PRA. PRA has failed to provide any proof and the letter they provided as alleged proof was addressed to an address that was not mine. I also have never signed any agreement with XXXX XXXX, so any signed agreement between myself and XXXX XXXX would be fraudulent. Therefore any account from XXXX XXXX would not be my responsibility. I have maintained the same stance and will continue to for the next 10-12 months until the 7 years has expired for CB publication. PRA will receive nothing from me and I will continue to legally fight these false contracts. I owe PRA nothing and they will get nothing.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I have been a victim of identity theft. I have already filed a complaint with the Federal Trade Commission ( FTC ), under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which protect consumers from fraudulent activities and inaccurate information on their credit reports.

As a result of this identity theft, my credit report contains several negative and inaccurate accounts that do not belong to me. Under 15 U.S. Code 1681c-2 ( FCRA ), I request that these fraudulent and inaccurate accounts be blocked, deleted, or updated accordingly. This law allows victims of identity theft to request the removal of fraudulent information from their credit reports once they have submitted proof of identity theft, such as an FTC Identity Theft Report, which I am happy to provide. 

Furthermore, I invoke my rights under the Fair Credit Billing Act ( FCBA ), which entitles me to dispute incorrect charges and have them removed from my credit file.

Please take prompt action in ensuring that these fraudulent and inaccurate accounts are corrected or removed from my credit report. If you need any additional documentation, I am more than willing to provide it.

Thank you for your time and assistance in this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in countless letters both in XXXX and XXXX to now may and they have yet to budge I have 57 inquiries and its taking a major part in making my life very hard Its impacting my housing and working conditions which is causing issues in my personal life with my significant other but its impacting how I take care of my kids and family
Product: Credit reporting or other personal consumer reports

I have reached out to Transunion several times about the inquiries on my credit report. Someone did indeed tried to steal my identity. I filed an FTC Report someone in XXXX obtained my information and tried to apply for mortgages, car loans, and personal loans. I demand deletion it has been XXXX  months and nothing has happened and I have been ignored
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I discovered multiple billing errors under 15 U.S Code 1666 ( b ) billing error, including the creditor 's failure to properly reflect a payment made by me and a computation error on a statement.

Despite my initial request, I have not received any hard proof from the creditor 's bank account that proves I did not pay and was marked late. Therefore, I am still adamant that these errors were purely billing errors, and I urge you to rectify them promptly.

Furthermore, I request that the following items be updated on my consumer report, as agreed As a consumer, I have the right to have these accounts updated immediately, in compliance with the law. Failure to do so may result in me seeking monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability.
Product: Checking or savings account

Unauthorized transactions have been made on my account since XX/XX/XXXX, while I am not in the US and couldn't have used this card. The transactions go on until XX/XX/XXXX, as a credit run low notification was sent to my email address. The transactions include XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX, totalling up to an amount of {$3600.00}. 

Once I discovered the fraud, I called Bank of America to file a fraud claim. While it was rejected at XX/XX/XXXX because of insufficient information, I discovered during a second phone exchange that a fraud alert was sent to a phone number, being the reason that they rejected the claim. However, the phone number they registered on file is not my own -- when opening the account, they misspelt my name and took down the wrong phone number. My number is XXXX XXXX, however, they directly took the 1 as the US country code and sent the information to ( XXXX ) XXXX. Having made the discovery on how the information leaked, I called the bank twice but didn't get a satisfactory answer. 

I believe that it is wholly the bank 's responsibility as they took down the wrong information in the first place and caused the fraud, so I ask for my claim to be paid.
Product: Checking or savings account

Every time I ask a question I get more money but no one talks to me that has any real authority. 

I get to mediation where I think I can work something out and get answers to my questions below but i get a retired judge that listens but doesnt repeat because he is bound not to and doesnt want to. He asks for best case highest offer. No conversation with Wells Fargo at all. Thats not mediation. 


I get enrollment dates and XXXX figures : {$1000.00} and {$1800.00}. They call them unauthorized fees. 

I want to know who they sold my name to? 
Is this why I get XXXX spam calls a day for XXXX years? 

What list am I on? 

How many times was I enrolled? 

What do you owe me per offense? 

How do you get away with being so careless? 


My personal information is sacred and Wells Fargo is treating me and I quote. unauthorized fees, interest fees, per claim, loss of use.
Product: Credit card or prepaid card

In XXXX of XXXX, I faxed CareCredit Synchrony Bank to enact my Servicemembers Civil Relief Act Benefits providing a letter / fax requesting the benefits as well as providing all the necessary documents needed to enact benefits. While CareCredit Synchrony Bank has lowered my apr to 0 %, they have yet to prorate the balance from XXXX XXXX as indicated on the letter and correspondence they provided. I have additional Synchrony bank accounts for my Amazon  card and XXXX Maxx card which have lowered the APR to 0 % as well have prorated the balance. Despite repeated phone and fax attempts to get information from CareCredit Synchrony Bank regarding my prorated balance, they either can not provide me with information or in a phone call on XX/XX/XXXX told me that the balance will be prorated for my May Statement. I have received my May Statement and the balance still remains not prorated. I have continued to make my monthly payments on time. I most recently contacted Synchrony Bank today, XX/XX/XXXX who wanted me to once again send a letter or fax regarding benefits which I already did on XX/XX/XXXX and received no correspondence nor information from Synchrony Bank. I took the liberty of sending an additional fax today XX/XX/XXXX to CareCredit Synchrony Bank per the advice with customer service agent I spoke with today XX/XX/XXXX.
Product: Student loan

There is an account on my credit file with XXXX and reporting negatively by First Source Adv with a account number # XXXX. I have not had a loan in connection with this school. In XXXX I contacted the school ; the FTC # XXXX ; Credit bureaus to dispute this account who refuse to supply me with the information I require for validation of this account such as promissory notes ; contracts and agreements and all other documents pertaining to the opening of this loan
Product: Credit reporting or other personal consumer reports

I received an alert from credit wise that my credit score went down approximately 60 points. This did not make much sense to me, as I have not had any significant financial changes. When I inquired further, XXXX had reported this month that I had double the student loan accounts than I do to Transunion ( I have 7 XXXX student loans, they are reporting I have XXXX and double the student debt. ) XXXX reported to XXXX that all 7 of my student loan accounts were closed and then subsequently re-opened, which is also incorrect. I received this notification on XX/XX/year>. I reached out to XXXX, but no one answered. I filed a complaint on the federal student aid website and sent disputes to the respective credit bureaus. There does not seem to be a change to my XXXX reporting.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer report from Experian XXXX XXXX and found that it contains inaccurate and unauthorized information 16 CFR 603.2 ( a ). 

All three are reporting credit information on my consumer report that I never consented to having furnished, in violation of 15 USC 1681a ( 2 ) ( B ). 


Alll three are reporting credit information on my consumer report that I never consented to having furnished, in violation of 15 USC 1681a ( 2 ) ( B ). 

Under 15 USC 1681a ( 2 ) ( B ), a consumer reporting agency is prohibited from including any information in a consumer report unless the consumer has given consent. 

I have not given any consent, written or otherwise, for the inclusion of the disputed information on my consumer report. 

The unauthorized reporting of this information is causing significant harm to my creditworthiness and financial standing.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate 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 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 significant inconvenience and financial loss, and I seek appropriate redress I seek appropriate redress for these violations.
Product: Credit card

I got my credit report and noticed multiple hard inquiries on my credit report that I didn't authorize. I never had a capital one account. 

I have XXXX XXXX  but few months ago my account was hacked they stole my money that was in my account and tried to file claims and apply for a credit card.That was not me And I'm not sure wat that other inquiry is but can please remove all XXXX off my credit report
Product: Debt collection

I received a notification that this company has placed an account on my credit on XX/XX/.. I have no idea who this company is. All I know is that it has something to do with the state of XXXX. I have never lived in XXXX  nor have I applied for anything in XXXX. I never completed an application or rented anything in this state. I live in a XXXX, been in XXXX  my whole life. I have no idea how my information was even provided to you all. I am demanding the account to be removed from my report immediately this is fraud. You should find whoever opened this account and go after them. I also never received information about an account being opened in my name which is against FCRA failure to provide verification of a debt. Remove this account.
Product: Credit reporting or other personal consumer reports

I'm concerened about the fact that my XXXX score is XXXX and my transunion is XXXX and my XXXX XXXX I understand there will be some differences but those seem a bit drastic to me. I reached out to them with no results
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud has been reported on my account and Transunion will not take off the accounts even when i gave FCT and Police reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a vehicle loan financed with Ally Financial. In the month of XXXX, my payment was due on XX/XX/2023. I completed the payment in the amount of {$400.00} on XX/XX/2023. Although the payment was completed after the XXXX of the month, due to XXXX having only 28 days, at the time of the payment on XX/XX/XXXX, the account would have been 29 days past due. Ally reported to the credit bureau that my account was 30 days delinquent and refuses to remove the reporting. I have spoke to countless members of their leadership team and have submitted several disputes, including one in writing. Each time I speak to a representative, they advise that my account was only XXXX XXXX  but since it was after the due date, the system reported it as XXXX XXXX. While I understand how that may be, this is unfair, unjust, and a violation of the FCRA.
Product: Credit card

I signed up for a credit card with savor capital one. After I saw that they had some insensitives I told my husband and father about the card and they signed up as well. I received my card and the information on the card and they never sent me any information on a referral program and my dad and husband applied and after they applied capital one emailed me two months later that they want me to refer people to the card, I reached out and spoke to Will he is a XXXX I explained to him that they sent me a referral email but I already refer two people to the card can I get my insensitive of {$150.00} per person I referred two people and I just received the referral code after he said no he won't help me incentive. It's like they make an incentive but then they send them the incentive two months later after the customer most likely already referred people. That is misleading and very unethical. I don't think that this company is right for not honoring my referrals. They could have sent me the promotion with my card like they sent the other promotions but they hid it from me and I was unaware of the referral program until months after opening the card and I already had gotten two to people referred and now they're not honoring what they say they would. It's false advertising they should honor my referrals even though they didn't use a link they can verify by speaking with them I'm going to have everybody close down their accounts we have multiple cards
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 XXXX ( XXXX U.S.C. XXXX ) 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 on XX/XX/XXXX under the account number XXXX with a balance of {$30000.00} 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 XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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

XX/XX/year>. XXXX XXXX Mortgage. XXXX XXXX with Guarantee Rate ( XXXX ) said that they will only do a soft pull on my credit report. On XX/XX/year> I got alert from several credit reporting agency, XXXX XXXX, My Banks that i had a Hard Pull and my excellent credit when Down. I did not authorize a hard pull. I confirm with XXXX XXXX and XXXX and he said only a soft pull. The hard pull must be removed from my credit reports ( XXXX, XXXX, XXXX ) Immediately. The company that Guarantee Rate Used to Pull my credit report was XXXX XXXX on XXXX XXXX. 

Guarantee Rate Rate.com XXXX XXXX # XXXX  # XXXX Address : XXXX XXXX XXXX, XXXX, IL XXXX Phone XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX XXXX XXXX
Product: Debt collection

Collection Agency ARS ACCOUNT RESOLUTION with account # XXXX. Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX  Original Amount Owed {$990.00} Amount {$990.00}. Collection Agency Removed only debt out my file but kept one of them which is affecting my credit score and not allowing me to get the best Mortgage Rates for My Home Refinance. the Clearly stated on the last Complaint that the Debt isn't mine and that it belong to a XXXX. that XXXX is my son and he is covered under his XXXX umbrella insurance Policy. up to this day the Debt Remains in my file and its affecting me
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXXXXXX On Monday, XX/XX/2023, the company that Equifax said was verified as accurate, sent an email to my complaint and stated that they reported to the credit bureaus on XX/XX/2023, to delete the account due to fraud ( EMAIL ATTACHED ). 

HOW CAN THE ACCOUNT BE VERIFIED WITH XXXX, IF THE FURNISHER HAS STATED IT WAS DELETED?! 

YOUR CONSUMER REPORTING AGENCY HAS BEEN KNOWINGLY REPORTING INACCURATE INFORMATION FOR OVER TWO DESPITE MY REQUEST FOR DELETION AND HAS VIOLATED SO MANY LAWS WITH THEIR WILLFUL NEGLIGENCE & NON-COMPLIANCE!
Product: Credit card or prepaid card

CFPB No : XXXX I received two ( 2 ) cash credits of {$250.00} each to my Capital One credit card. One credit was credited to my Capital One credit card between XXXX XXXX and XXXX XXXX. The {$250.00} was a cash refund due me from the move on XXXX XXXX, 2017. The second credit of {$250.00} was credited to my Capital One credit card on XXXX XXXX, 2017 from XXXX XXXX XXXX ; a refund of my deposit. The cash credits were refunds of money I had paid to businesses and was refunded to me. Capital One gave both cash refunds to XXXX XXXX XXXX XXXX XXXX. From XXXX XXXX to the present XXXX XXXX XXXX XXXX XXXX have not provided proof that I owe them any money. Two bogus charges of {$250.00} were charged to my Capital One card by XXXX XXXX XXXX XXXX XXXXXXXX. Capital One had no right to give my cash money to XXXX XXXX XXXX XXXX XXXX with all charges from XXXXXXXX XXXX XXXX XXXX XXXX  in dispute. I demanded proof that I owed the two {$250.00} charges to XXXX XXXX XXXX XXXX XXXX. Capital One told me they were INTEREST on the {$400.00} charge in dispute. That calculates to 650 % interest or {$3000.00} a year. At no time has XXXX XXXX XXXX XXXX XXXX provided any reason to charge my credit card for {$250.00} twice other than to have Capital One give them my cash refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on several occasions that unauthorized inquiries through Experian be removed from my credit report as I have no knowledge nor did I authorize the inquiries on my credit report. I have attached documentation with all of the inquiries.
Product: Mortgage

data breach. Morgage also went up to XXXX dollars and I feel I have been lied to about the financing. I was promised my Morgage would not go up if I refinance. it has been a nightmare ever since. interest rate and mortgage went up and my information has also been breached by this company. Mr. Cooper is the mortgage company / Nation star.
Product: Credit reporting or other personal consumer reports

TransUnion Suppressed XXXX XXXX XXXX XXXX XXXX ( XXXX ) credit card account ( XXXX  ) on XXXX XXXX, after I filed a dispute with them regarding an inaccurate balance for said credit card. Ive contacted TransUnion several times over the past two months to have this problem resolved, so that the account will start showing on my TransUnion credit report again, but TransUnion employees have been very rude and unhelpful. I have had the assistant of the CEO of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) send TransUnion proof that the credit card account is still open and in good standing, along with my proof of identity and signature, the problem still hasnt been resolved. Please help me with this situation. Thank you.
Product: Credit card or prepaid card

I sent countless of forms of correspondence to credit bureaus and to Avant that this account is not mines. This account was open in XXXX and closed in XXXX. I have been battling this issue for years. I have requested documents to proved this accounts belongs to me and they only provided a billing statement. I requested signed documents requesting this accounts to be open and Avant provided a billing statement. I requested identification of the person who open this account, so I can filed a proper non emergency police report and Avant once again provided a billing statement. To make matters, since XXXX they have be reporting on closed unauthorized account damaging my credit scores. When I sought out legal advice, I was informed to place a complaint with CFPB, before administratively moving forward.