23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

There was 15 charges to the card on XXXX for XXXX each from some place in XXXX that I am sure I did not do. I call the bank like I had done in the past for other disputes to let them know and they issue a new card and said that they will take care of it. 
I waited a couple months and nothing happened. I call again but every time they ( the card company fraud line ) put me on hold. ( see attached jpeg, the time of call shows more than 2 hours holding ) I called every month. 
I call the bank, ask to talk to a supervisor, every time they told me all they could do was to transfer me to the fraud line. where again I would wait for a long time and they never answered. 
Finally in XX/XX/year>, a lady by the name of XXXX answered and after waiting about an hour she said that she was going o take care of it. She told me the case number was XXXX, but we are here in XXXX and they have not adjusted the balance. 
Because of this my credit score has gone very low, and in that time I was trying to buy a company, but need it to get some equity money from my house, but did not qualified because my credit score. This month the bank ( RBFCU ) took XXXX from my checking account was was there to pay my mortgage, I did not authorized this payment. I need help.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my XXXX, XXXX, Transunion credit report, I noticed a high utilization posted on my XXXX XXXX Bank account, Your company is in clear violation of the law. Under 15 USC 1681B- permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term consumer reportdoes not include- ( A ) Subject to section 1681s-3 of this title, any- ( I ) report containing information solely to transactions or experiences between the consumer and the person making the report ; You have 5 calendar days to either update my credit utilization to 5 or below, or remove all utilization from my report. Credit Card Utilization is an Experience.

If my request is not granted I will pursue legal action against your company for Violating the FCRA.
Product: Debt collection

This bill was my ex wife, bill was her insurance in XXXX and insurance from her employer covered this bill I am not in any way responsible ... this is a 3rd party collection company who I did not recognize, who added it to my credit reporting files in XXXX of XXXX ... years after incident over 9 years
Product: Checking or savings account

I opened an account at a branch with US bank in XX/XX/2019. At the time they had a promotion for {$300.00} if certain criteria were met. This can be and has been verified by US Bank. I met the criteria and have yet to receive the {$300.00}. Ive contacted the support services and the branch. Ive left voicemails with the branch on multiple occasions. Twice I was able to reach a bank representative who told me that they would get back to me, but never called back. Support services has told me several different stories. At one point I was told Id receive the money within 30 days, but never received it. On two other occasions in the past 3 months I was told that they would work it out and that someone from the branch would be reaching out to me. Needless to say this did not happen. Basically, support services tells me theyre not responsible and I have to deal with the branch. The branch tells me the employee who opened my account is no longer with the company and theyd have to escalate my issue which will take some time. Both dead ends.
Product: Vehicle loan or lease

I am writing to file a formal complaint regarding my car loan, which the dealership charged at an inflated price, resulting in a loan greater than the vehicles actual value. Due to this issue, I request your assistance in removing the late payment entries from my credit report. 
The price I was charged for the vehicle was higher than what was agreed upon, and the dealership failed to disclose the inflated cost in a clear manner, violating the Truth in Lending Act ( TILA ) which mandates full transparency regarding the terms and costs of loans. 

Furthermore, the dealership misrepresented the final sale amount, leading to a loan that exceeds the car 's fair market value. This situation caused a delay in my payments, which is negatively reflected on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the CFPB review this issue and support the removal of the late payments from my credit history, as they were a direct result of deceptive practices on the part of the dealership. I have attached all relevant documentation, including the loan agreement, purchase receipts, and communications with the dealership. 

I believe this will help resolve the inaccuracies in my credit report and restore my financial standing. Thank you for your attention to this matter, and I look forward to your prompt assistance. 

Sincerely, XXXX XXXX
Product: Credit card

I am astonished that any government agency that oversees these credit card companies has allowed them to increase the interest rates to double what they were a few years ago. 
I have excellent credit and have always had a rate of 12-15 % on my cards for years. 
Since I don't carry a balance I haven't paid interest for a long time. I just looked at my Chase Freedom card and realized that my interest rate is up to 25 %. That is outrageous. 
This is approaching usary by any fair standard. I feel sorry for people caught in the credit trap while the agencies and government offices that are supposed to watch dog this type of thing are asleep at the wheel, or worse, being part of the problem by allowing this insanity to prevail in an already wobbly world of finance. 

I want to see some action taken on this, I am sure I am among millions of people that know this is absurd and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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 This account was dismissed in 2019 by XXXX XXXX. The judge found the case on my behalf.
Product: Debt collection

On XX/XX/2023 I purchased a 1 year membership to XXXX XXXX XXXX XXXX. After a few months I closed the checking account it was on autopay for because I got married and went to husbands account. Did not even think about this membership that was linked to that checking account. Fast forward to now, XXXX in contract to buy a home and found out that I got sent to collections for {$210.00}. XXXXXXXX XXXX  did not even try to contact me over any means of communication about the missed payments. I never received any emails or calls or anything. Then after getting sent to collections, I did not know anything about it. The only way I found out what it was even for is because on the mortgage disclosure it said the debt collection company ( CACi ). I then contacted them and they emailed me some documents. The address they sent the letter to was completely wrong. Yes, I signed a contract and would have been willing to update the payment info if I knew. It is wrong to not have any notifications of missing payments and automatically getting sent to collections. Now our interest rate on this house is going to be higher because of the impact to my credit score this has caused.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B 15 U.S.C. Section 1681c-2 that TransUnion credit reporting agency, block information appearing on my consumer credit report that is of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans or credit cards. From XXXX with a balance of {$2600.00}, XXXX  with a balance of {$650.00}, and XXXX  with a balance of {$1500.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer credit report. I have listed these fraudulent accounts that are on the report that you are maintaining. I do not recognize the reported accounts, collections, or hard inquiries. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that you are maintaining 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 my Identity Theft Criminal Complaint 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) Experian and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bareau, In our FACES XXXX is acting, performing, delinquency as a real and professional Fraud Company As a real XXXX. I HAD ONE AND OVER PROVIDE PROOF OF MY IDENTITY, AND the information they provided representing XXXX and XXXX XXXX as they keep covering their back. PLEASE CFPB review my Documents and see that XXXX  Documents had not any revelance, incorrect information, name, last name, no work info, driver license, a copy of social security number, who the XXXX In the world on this days would barrow at least {$1000.00} without the kind of information. I haven't been able to get a loan by now not even with my XXXX XXXX XXXXXXXX, AND I BEEN WITH THEM OVER XXXX YRS. 

On the other hand they are deleting the right information on My account instead of the wrong information contained within and is affecting my credit report and score. 

If XXXX who I provide the same information contained within to proof my identity had already deleted XXXX and XXXX XXXX of my credit report file why XXXX is not.! It's that I'm the only stupid person on this world or they playing XXXX  AND looking to the other way. I never file a Dispute to my correct HOME ADDRESS OR CREDIT XXXX XXXX ACCOUNT, SERIOUSLY. I WANT XXXX TO GIVE PROOF OF THAT ME FILE OR CALLING TO DISPUTE THAT INFORMATION. 

I also had DELETED HARD INQUIRIES THAT SHOWS ON THE EMAILS BUT IF I LOGIN TO THE ACCOUNT STILL SHOW ON MY CREDIT REPORT. 

PLEASE CFPB LOOK AT MY ATTACHEDMENTS. I'M SO STUPID THAT I want back and got their membership back again because I thought they done a good job.
Product: Credit card or prepaid card

I request refund from a fraud company named XXXX XXXX and Paypal would not refund my funds from this fraud.. I have not recieved no products nor assistance in my refund. the fraud was XXXX XXXX of 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian about fraudulent accounts being on my credit report. I want these unauthorized accounts to be deleted. 
1. 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

I asked the company to remove this from my report because I didnt authorize. The dates are from XX/XX/2022 through XX/XX/2022
Product: Debt collection

I applied for the loan with Mosaic, Once the loan was approved, the funds were sent directly to XXXX, XXXX failed to do complete any work, and now I have Moasic contacting me about a monthly payment when no work or services were completed. In addition, XXXX has contacted Mosaic both by phone and with a letter confirming that they failed to complete any work and they are taking full responsibility for the loan. 

I have aslo contacted Mosiac by phone and in writing requesting that due to breach of contact and no work or services recevied, you would like a full cancellation. Mosiac refuses to cancel and due to this and I am being impacted negatively on my credit and this has created financial hardship for me and my family.

The Mosiac loan number is : XXXX
Product: Credit card

I contacted Ally credit card company as telling them that my interest was just about as high as my minimum payment and that I wanted to try to get that lowered or I would pay it off and close the account the lady I spoke to told me that the credit card company had told them that they we're told not to lower the interest for anyone- I don't have a high balance so I don't understand why they would do this also I don't believe that I have received any good credit from this company on my credit report just wanted to pass on this information because I'm sure I'm not the only one having this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several written requests, the ITEMS stated below continue to appear on my credit report, in violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the period specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I need this situation resolved soon. Please delete the following elements from my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$3800.00} ; XXXX  XXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

2 Debt Collection Agencies are coming after me for the same debt. 

Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened on XX/XX/2019 - Current Balance {$8100.00} Creditor : XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX  Opened on XX/XX/2019 - Current Balance {$6700.00} I have never received any mailed notification regarding this debt owed. Also, I have never had someone call and speak to me on the phone. If they have tried to call they haven't left me a voicemail. 

This is the same debt, XXXX XXXX owns and operates XXXX XXXX at XXXX XXXX XXXX. I want to get 1 of these removed, preferably the larger of the 2, then at that time I will pay the debt off in full. I would like the negative collection removed from my credit report and my Credit Score increased by 21-25 points. I have been told it could and should happen once the debt has been paid and removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute with Transunion and XXXX  for the information reported for XXXX. XXXX customer support is very nasty. only time they are nice is when they call me to ask me to purchase another vehicle from them stating i have good credit history with them. Transunion is reporting adverse account and 30 day late but yet its not reporting on XXXX, or XXXX. I have provided documentation to XXXX  and Transunion  and advise them to remove the comments they added from me trying to dispute the 30 day which has the day it was reported late the same day it was closed from the payoff they received from the dealership. XXXX  shows the exact same date closed. i have reached out to Transunion  and XXXX  as well as XXXX. There is no reason for XXXX  to show no late payment and only XXXX  to show. Transunion  is not showing on XXXX but shows as adverse account on their report. Ive attached all my documents Ive also asked them to remove the statement only response is account updated.
Product: Prepaid card

Beginning XXXX XXXX XXXX  there has been a string of fraudulent withdrawals from my California XXXX/Bank of America debit card . Upon the first instance of funds being fraudulently withdrawn from my account, Bank of America subsequently credited the funds back to my account on three consecutive occasions, as each time funds were deposited, they were immediately fraudulently withdrawn from the account. On the last claim, Bank of America has declined to make me whole on the premise withdraws occurred via XXXX XXXX. During the course of several different phone calls with Customer Service Agents at Bank of America, we discovered that the theft was coming from a breach in security from which thieves were able to learn/use my account ID, password, Driver License information, social security number, etc., which they then used to call XXXX XXXX impersonating me to request " emergency funds '' to be released from my XXXX/Bank of America account . To my knowledge B/A has not done any outside investigation upon which to base its conclusion that I was the one who made the request nor prove whether or not it was myself who picked-up/received the funds. On two separate occasions I have submitted documentation of my own investigation, the police report I filed and documented the conversation I had with a XXXX XXXX Manager in Fraudulent Transactions. This manager walked me through how someone via telephone can impersonate me to request emergency funds. This information was included within my report to B/A on XX/XX/XXXX and XX/XX/XXXX. I noted that all previous claims have been reimbursed with the exception of the last claim on XX/XX/XXXX. After submitting a second request on XX/XX/XXXX there was no confirmation, reply or acknowledgment from B/A regarding this request to review and reimburse nor has anyone from the department making these decisions reached out to me personally to discuss this fraudulent situation, where monies were stolen not only myself, but also from CA XXXX  and Bank of America . As of XX/XX/XXXX I spoke to B/A Fraud Complaints to reopen this case and have so been advised to wait a decision 4-5 weeks out.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX  XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Product: Credit reporting or other personal consumer reports

Experian and XXXX have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's and XXXXXXXX XXXX inaction violates federal law and my rights as a consumer. The accounts in question are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive been trying to gain access to my XXXX  and Transunion personal accounts online and it keeps telling me that my login information isnt correct meaning someone else has gained access to them and changed my contact information. After trying to reach these two credit reporting agencies for several weeks and verifying my identity and information, they never gave me access to my online accounts.