23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX IS REPORTING A REPO. ON MY CREDIT REPORT, I HAVE NEVER HAD A AUTO ACCOUNT WITH XXXX. THIS ACCOUNT IS CURRENTLY IN LITIGATION AND IS EFFECTING MY ABILITY TO PURCHASE A AUTOMOBILE ALSO KEEPING MY CREDIT SCORE BELOW 600
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this CFPB 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 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. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX. ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$1000.00}. 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 the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX, and any late payments from merchants have violated my rights. Transunion - XXXXXXXX XXXX XXXX XXXXXXXX Balance - {$5.00}, this is incorrect. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

why correct the information that I outlined and then not raise my credit score because I purposely targeted.

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin American citizens, lives and their livelihoods.

the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin American citizens, lives and their lively hood.

Please delete and remove all closed accounts, late payments and loan accounts, that aren't valid from my credit report. 

Best, XXXX XXXX.
Product: Checking or savings account

I informed the bank of someone trying to access my information with other institutions I bank with and that I wanted to add an extra layer of protection such as a security word to my account, not long after they locked my account stating someone had called in on my behalf stating that I had a XXXX and that they would be in charge of all my finances from here on our. BMO has since locked me out of my own account for not the first but this is the 2nd time with no time frame as to when the review process would be completed
Product: Credit reporting or other personal consumer reports

At the beginning of XXXX I filed a dispute for XXXX XXXX XXXXXXXX charge-offs with exsperian due to inaccurate and unfair deceptive card practices. UNDER TILA THE CREDITORS INTENT IS NOT RELEVANT and must be deleted In 30 days also creditor did not provide Truth in lending disclosure statement or disclose the consumer contract related to the account for accuracy.
Product: Payday loan, title loan, or personal loan

I took a personal loan with Dollar Loan Center. I knew this was going to be high interest rate. But with the way they are charging me it is obscene. I took the loan in XXXX and they want me to pay weekly but it is reported monthly on credit. If you are 12 hours late that week they call harassing me. I had my mother in hospital so they were paid 3 days late while we did not know if my mother was going to make it screaming at me on the phone telling me I had to go in the store and pay them now. I also requested to pay monthly instead of weekly and they refused. It should be monthly not weekly. They harass call family members and I have never been over 30 days late. Since paying weekly or bi weekly The loan was for XXXX To date since XXXX/XXXX/XXXX I have paid them XXXX And online it still states I owe them XXXX!!!! I pay a little extra each week and still owe them more. They do not send statements and I can not see how they are applying any of these funds. Nothing is being applied to the XXXX only interest which is still more than I borrowed after paying them XXXX This is loan sharking!! This money needs to go on some principal by this point or it will never be paid off!!
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX  : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

This company has reported fraudulent accounts and inaccurate information on my credit report. I have requested they provide the purchase agreement to show full ownership of such accounts and other documentation so I may review to see if these accounts actually belong to me and they have not. I want all reported accounts to be removed. According to the Fair Credit Reporting act section 605B, it is illegal to Report information on my credit report without my permission. I did not have a contract nor did I authorize this company to obtain my information. My rights were violated under the FDCPA & FRCA. Please remove these accounts. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently in arbitration and should not be reporting on all credit reports. Arbitration case # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry that I did not make or authorize. I am not sure why this inquiry is on my XXXX  credit report.
Product: Checking or savings account

My capital one 360 account got closed ending in XXXX. I had money still in my account, they send me an email promising to mail a check. 6 weeks later and I still havent receive any funds from my closing account. Please help me I have a million bills to pay. I REALLY NEED MY MONEY THAT WAS LEFT IN MY ACCOUNT BEFORE IT CLOSE. Please help me asap!!
Product: Debt collection

I opened a credit card account with a clothing company called XXXX it was issued through Comenity Bank approximate date opened was XXXX 2017 I bought one item then closed the account. I continued to make payments till the account was paid in full. After making the last payment I received a bill for XXXX plus a XXXX interest charge saying late fee this was XXXX. I contacted them and informed them this account was closed and paid off. I was told it would be taken care of. I have continued to receive bills every month for the past 3 monts with the most recent being XXXX for late fees!! Again this is a closed and paid off account!! Comenity bank is trying to wrongfully extort money from me and have reported this to the credit bureau this will affect my score. Please help me with this issue.
Product: Credit card or prepaid card

I got denied a Discount Tire store credit card serviced by Synchrony Bank, which sent me a denial letter in which the reason stated is Unsatisfactory payment history with Synchrony bank. Contrary, my payment history is long and very satisfactory. As of XXXX/XXXX/23 my XXXX XXXX report shows XXXX XXXX satisfactory payment history on all of my accounts. I contacted Synchrony bank via customer service phone on XXXX/XXXX/23 XXXX CST and spoke with 3 different persons/departments, including a supervisor XXXX, all were unable to produce any unsatisfactory payment history or any further detail at all. I feel I am being treated unfairly and denied credit services for no reason or for a fraudulent reason. I also feel that my inquiry was treated poorly and unprofessionally and the companys record keeping is negligent. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Delaware, XXXX XXXX  [ NOTICE AND DEMAND FOR DELETION OF AN UNAUTHORIZED INQUIRY ON CONSUMER REPORTTo : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report.I did not give you written permission to access my credit profile on [ Date of the alleged inquiry, Delete this Line and insert the Date of the alleged inquiry, which is XX/XX/year> as provided in the context ] .The reporting of this unauthorized inquiry has harmed my credit, and I demand that you delete this unlawful and unauthorized inquiry from my consumer credit reports with all consumer reporting agencies that you have distributed this information to.I also demand a copy of my consumer report after you have completed this deletion.Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies. I have attached highlighted pictures of the accounts reporting inaccuracies
Product: Checking or savings account

Hackers created a new account under my BOFA account and they transferred money from my real account in CA to the fake account then they tried to withdrow the money from PA by a fake debit card. Banks should not open new accounts online because this is the window for the hackers to get our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a American citizen having resided there since XXXX. In XX/XX/XXXX while visiting family in the US my purse was stolen from XXXX XXXX Airport along with all my personal information & subsequently my identity was stolen and accounts were set up in my name, including a Wells Fargo Dealership account. I reported the theft to all relevant authorities including the US Embassy in XXXX XXXX & all three credit agencies. In XXXX I applied to cosign for a house for my mother & found out my identity was stolen and all information, identification and other personal information was used to set up accounts & obtain goods in my name, I reported & provided all relevant documentation to all parties/retail outlets including Wells Fargo Dealership & the fraudulent account remains on my credit file. I contacted them, sent proof of my XXXX addresses for the past 11 years, along with utility bills, copies of my passport and other proofs to the Wells Fargo President 's office as requested and for close to 2 years I still have no resolve. Subsequently I had to hire a attorney as I could no longer deal with the matter and again they to contacted Wells Fargo Presidents office only to be stonewalled with unreasonable request ; i.e. between XXXX and XXXX I was asked to provided a letter of authorization & do so on 2 separate occasions and then was asked to provide a 3rd which Wells Fargo Dealership insisted had to be notarized by a United States notary not a XXXX notary which would have meant me traveling to the US to do. In mid XXXX Wells Fargo stopped communicating with my attorney and the process has stopped completely. I traveled to the US in XXXX of this year especially to resolve this issue and phoned the number on my XXXX  credit report for Wells Fargo & was told Wells Fargo Presidents office was not the correct department to report or deal with my matter and was told I had to re-submit all the documentation I sent them in XXXX, my attorney sent in XXXX again. Wells Fargo now claims there was a trade in & the car was purchased and registered in my name all during the time I was in the XXXX. I have provided all the documentation, hired a attorney, proven my whereabouts & proof of address since XXXX, put a fraud alert on all three of my credit files along with a freeze & lock. I believe Wells Fargo Dealership has stalled and refused to take my claim seriously, subsequently refusing to remove the fraudulent account off my credit file which is causing me a tremendous amount of stress and agony, not to mention I can not buy a house or obtain a loan. 
Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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 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 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 XXXXXXXX
Product: Credit card or prepaid card

This complaint is not about my ability to pay. Rather, I believe this credit card, a TCF Bank Visa issued by First Bankcard of Omaha, is intentionally misleading cardholders through the Minimum Payment Due language. 

The stated Minimum Payment Due amount is always higher than the payment shown in the Minimum Payment Warning chart that shows how much time it will take to pay off the balance if paying the minimum payment as opposed to making a payment of another amount. 

So, for example, the Minimum Payment Due amount on my latest statement is {$74.00}. According to the Minimum Payment Warning chart, if I make only the minimum payment ( and make no additional charges, ) I will pay off the balance in " about ... '' 5 years. However, If I make no additional charges and want to pay off the balance in 3 years, the amount I am advised to pay is {$62.00}. 

One can not make a lower payment and pay the balance off in less time, obviously. I believe this misleading and incorrect information has been provided intentionally to manipulate people into making less than the minimum payment. I have spoken to the company about this and never got past " Oh, I see! That IS strange. I'll take this right to my supervisor! '' This practice has gone unchanged since the very first statement I received from the company back in XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Us Dept Ed Last reported XX/XX/XXXX Account Details Account type Student Loan Account status Open Balance {$1100.00} Monthly payment {$50.00} Interest rate 9.90 % Date opened XX/XX/XXXX ( 26 yrs 11 mos ) ____________________________ The above is a screenshot of what appears on my credit report. Please note the Date Opened. 
I was no longer in school in XXXX graduated in XXXX. 
XXXX This student loan shows it was opened XX/XX/XXXX however I graduated XX/XX/XXXX. This is incorrect, I have had my taxes offset and made payments directly on a loan that was opened 5 years AFTER I graduated from school. 

XXXX  is requesting copies of my social security card. They have names listed on my report, XXXX XXXX? Former married name was XXXX. Not sure where XXXX Came from. I refuse to furnish a copy of my social security card as they obvious have issues with security.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$460.00}, XXXX XXXX XXXX XX/XX/XXXX {$810.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX {$830.00}, XXXX XXXX XXXX XX/XX/XXXX {$870.00}, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$11000.00} DELETE ALL INQUIRIES AND ACCOUNTS
Product: Mortgage

I have yet to receive my 2019 tax document XXXX after numerous requests via phone and email. I am told that they are looking into the problem repeatedly and receive the same via email and regular mail. This has caused me to not be able to complete my tax return on time, which will lead to penalties and fees. This has gone on for a full year. There is no excuse for this omission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXXXXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, 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 these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I was sent a promotional offer that included the following : {$100.00} one time cash offer 1.5 % unlimited cash back 0 % intro APR on purchases until XX/XX/2023 For Capital One. 
I applied for the card and was approved, once I received the card I called to make sure I would still receive this offer and they said yes. 
I never received it and called the company to ask why and they advised me that it was not a promotional offer they had even though I kept the letter. They are engaging in deceptive marketing with consumers.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding unauthorized hard inquiries on my XXXX and XXXX credit reports dated XX/XX/2023. These inquiries indicate an attempt to open an account in my name, which I did not authorize or initiate. 

While I do currently hold a Capital One account, I wish to clarify that I am not disputing the existence of this account. However, I must emphasize that the hard inquiries on my credit reports are unauthorized and have resulted in significant distress and disruption to my financial affairs. 

I recently became aware that I am a victim of identity theft, and I have taken immediate steps to address this matter. Enclosed with this letter, you will find a copy of the police report documenting the identity theft incident. 

I kindly request that Capital One takes swift action to investigate and rectify this situation. Specifically, I ask that you contact both XXXX and XXXX credit reporting agencies to request the removal of the unauthorized hard inquiries from my credit reports. These inquiries are adversely affecting my credit score and financial well-being, and their removal is essential to restoring the integrity of my credit profile. 

I trust that Capital One will handle this matter with the utmost urgency and professionalism. Your cooperation in resolving this issue promptly will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed an inquiry on my credit report from the above company.

According to the FCRA this item should have been removed permanently.

15 U.S.C Code 1681 i ( 7 ) states there should have been an explained reinvestigation involving the hard inquiry and I have not received anything.