23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX I received a Barclays AAdvantage Aviator Red World Elite Mastercard credit card in the mail with my name on it, however, the name was incorrect. I took my wife 's name when I got married and this new credit card had my surname on it. I called the credit card company, Barclays AAdvantage Aviator Red World Elite Mastercard, to explain that this was opened fraudulently and should be closed. They said they would open a claim and send to their fraud department. I heard nothing from them.

After XXXX year, I received a mark on my credit report for a
late payment. The AAdvantage Aviator Red World Elite Mastercard had flagged my credit because the annual fee had not been paid. This account was supposed to be closed as it was fraud.

I called them again, XXXX, on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX and recorded the call. I spoke with a " XXXX '' or " XXXX '' Operator ID : XXXX, and I explained the situation again, and again they told me they would send this to their fraud department and that I would be getting a call from them. 

They have not contacted me in over XXXX weeks. I do not know what else to do. They won't close the account and they won't remove the delinquent marks from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the repetitive 30-day late payment notations on my account ( # XXXX ), which are currently being reported on my credit file. I respectfully request that you provide validation for each of these late payment reports, including detailed documentation proving that each reported late payment occurred and was accurately noted on my account. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and verifiable information. I believe these repeated reports may contain inaccuracies or discrepancies, which could result in an unjust negative impact on my credit score. If these late payments are found to be inaccurately reported, I am requesting immediate removal of any erroneous entries from my account history.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inaccurate account and unauthorized Inquiries are causing my scored to drop and when I tried asking the bureau to remove I did not receive any response even after 30 days.
Product: Credit reporting or other personal consumer reports

Under ref # XXXX XX/XX/XXXX TID # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX. 

That above you confirmed my ownership and protected XXXX XXXX XXXX committed fraud through XXXX XXXX Mr. Cooper and step forward Michigan stealing. The squatter fake doctor and fake schoolcraft college using XXXX fake XXXX degrees got fired after I reported him and XXXX XXXX is pending. He are also using a fake lender under home protection XXXX XXXX XXXX record id # XXXX XXXX Michigan Homeowners XXXX that do not exist. I were informed on XX/XX/XXXX by XXXX XXXX XXXXXXXX mortgage dept XXXX XXXX that a guy name XXXX XXXX of XXXX XXXX are lying saying XXXX XXXX has clear title but are no clear title in the file under loan number XXXX to XXXX XXXXXXXX XXXX used my good loan XXXX. Your non law enforcement action allowed XXXX XXXX XXXX fake SSN numbers XXXX and XXXX to go and cash XXXX chase escrow account checks in my name and I made police report XXXX as forgery to detective XXXX XXXX XXXX and XXXX XXXX XXXX XXXX just confess this is fraud under XXXX and new your attorney general discovered Mortgage fraud under XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX discovered XXXX XXXX on right under XXXX. To reconfirm I am owner go to XXXX  review XXXX and XXXX XXXX XXXX at XXXX  reported fraud in reference to your involvement actions on XX/XX/XXXX as XXXX. Also your client from XXXX here on an XXXX got over XXXX loans hit my credit file and over XXXX credit cards in my name. Also under investigation XXXX XXXX XXXX as NPI XXXX and you must expose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting information on my credit reports however they are not legally permitted to collect in my state because they are not bonded in Texas. I currently live in Texas and have always resided in Texas. I have checked the website of my secretary of State with the information they provided on my credit report. My search concluded that they ARE NOT BONDED in the state of TEXAS. Not only that, I have sent several 609 letters asking for them to " Verify '' the information that they are reporting because these debts are not mine and doesn't belong to me. They have yet to provide adequate proof and still reports on my credit. Please note the following information pertaining to the debt collector including their address, Bond number, Amount they are reporting and date they reported : 1 ) Ad Astra Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX  Bond number XXXX  & XXXX Amount reporting {$1200.00} Date of reporting XX/XX/2016 XX/XX/2016
Product: Debt collection

On XX/XX/year> I, XXXX XXXX signed up for a month to month membership with XXXX XXXX. Because at the time I was working a temporary assignment less than five minutes from the gym. The gym was nowhere near where I live. so before signing up for the membership, I asked them what was their cancellation policy. They said that I can cancel the membership anytime within the first 30 days and also suggested that I sign up for their month to month membership. So that way if I was no longer working in the area, I can also cancel the membership. Unfortunately I was laid off. I informed them that I was no longer working in the area and I had to cancel my membership ( which hasnt hit 30 days ) I was told to come in to sign a cancellation form. I let them know because of circumstances at the time I couldnt make it up there and I was no longer working in the area. I asked could I sign it via email or fax. They said they couldnt accept email or fax and that I could mail a letter request to cancel my membership. I mailed them a letter stating that I, XXXX XXXX was canceling my membership within the first 30 days because I was no longer working in the area. I let them know I mailed out the cancellation request but they continue to withdraw payments. I then called the third-party company that was charging my debit card to inform them that I do not give consent to them to charge my card because I canceled my membership within the first 30 days. They stopped charging my card but continue to charge me biweekly for the membership and started calling me repeatedly to collect payments. They also threatened to send this to collections and that this will go on my credit report. Now I have Kingston Data and XXXX representing XXXX XXXX flagging my collections for {$300.00}. On my credit report. This has dramatically affected my credit scores. I attempted to solve this financial burden in every way possible, but have not been treated fairly by these companies.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) against Equifax Credit Bureau due to their repeated violations of the Fair Credit Reporting Act ( FCRA ) in failing to delete fraudulent accounts and incorrect personal information from my credit report, as well as their disregard for identity theft protections and response requirements. 

Despite XXXX formal communications dated XX/XX/year>, and XX/XX/year>, Equifax has not complied with the law by failing to remove fraudulent accounts, incorrect addresses, and name variations from my credit report. I am the direct, sole correspondent regarding these disputes ; no third party represents me in this matter. 

Applicable FCRA Sections Violated : FCRA Section 605C ( 15 U.S.C. 1681c-2 ( a ) ) Mandates that fraudulent information resulting from identity theft be blocked and deleted within four ( 4 ) business days of receipt of proper documentation. Equifax has exceeded this statutory timeframe, leaving fraudulent accounts active despite my repeated requests and all required documentation. 

FCRA Section 611 ( 15 U.S.C. 1681i ) Requires that consumer reporting agencies conduct a reasonable investigation and notify the consumer of the results within 30 days. Although Equifax claims to have approved deletions as of XX/XX/year>, the fraudulent items remain on my report, indicating a failure to complete this process within the timeframe. 

FCRA Section 604 ( 15 U.S.C. 1681b ) Limits the furnishing of consumer reports to entities with explicit consumer authorization. I have never authorized any of the listed fraudulent accounts, and Equifaxs reporting of unauthorized accounts violates this section.

18 U.S.C. 1028A Provides federal protections against identity theft. Equifaxs failure to remove the fraudulent accounts after being notified of identity theft disregards these protections and perpetuates harm to my identity and financial reputation. 

Details of Non-Compliance : On XX/XX/year>, I spoke with an Equifax representative who confirmed that my dispute had been approved and that deletions were forthcoming. However, despite this acknowledgment, all disputed items remain on my credit report, which is a serious breach of my consumer rights under the FCRA.
Product: Checking or savings account

On XX/XX/XXXX, a person to whom I sold some furniture through Market Place deposited a check for {$2800.00} in my personal checking accountn Wells Fargo Bank. On the morning of XX/XX/XXXX, the funds were available. Understanding that there was no problem with the deposit that had been made to me, I proceeded to return part of the money because the client had deposited more by mistake. I transferred the funds to my business account in order to be able to return, through a bank transfer, the money that was the surplus for the transaction that I would make with the client. On XX/XX/XXXX, the bank informed me that the deposit had been returned because it had been made with a stolen check. This has put me in a very delicate situation since I am confident that if the bank makes the funds available in my account it is because it has carried out the corresponding verifications. I made a claim case that is supposed to take 7 days and I am already going to have 3 weeks and there is no guarantee. I have no assurance that my money will be returned or that the bank where the money came from will ask for it back. I have no idea what type of verification the bank performs to guarantee that we are not victims of stolen checks because we are not the ones who perform this verification but the bank has the verification systems and made the funds available, so I thought there was no problem. 
I am very worried because it was money for my expenses at home and now I am in a huge financial problem. 
I hope you can help me resolve this with the Wells Fargo Bank. Case XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 to privacy and confidentiality under 15 USC 1681. 

XXXX Account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX  Account XXXX  XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX  Account H XXXX XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX Account XXXX XXXX, has violated my rights. 
XXXX Account XXXX, has violated my rights. 
XXXX Account XXXX XXXX XXXX, has violated my rights. 
XXXX Account 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: Money transfer, virtual currency, or money service

When I opened this account it was ok. I Linked it to my banking account and made a deposit like a secured credit card. Well I changed my banking information in XX/XX/2021 and it has been bad since because they would not answer emails to update my information so I could pay them, and by the time they did it was too late and they reported two payments late on my credit .. now in XXXX my banking changed and I got a XXXX phone which is not compatible with the app and now they are reporting me late again with the credit bureaus and they will not give me a link to pay because I can't access the app. I think they are trying to keep my deposit.
Product: Payday loan, title loan, or personal loan

I applied for a payday installment loan from Big Star Credit ( Henceforth BSC ) on XX/XX/2022 and was approved for the amount of {$500.00}. When I was applying, the application had an area which asked if I Did or Did Not approve the use of ACH payments ( ACH Authorization ). When I initially filed the application, I selected that I did NOT authorize ACH transactions as my payment method, and went to submit my Application. At that time, I was given an error message saying that the " Form could not be submitted, '' as XXXX did not accept applications where ACH authorization is not selected. Therefore, since I needed the loan I went back and selected that I DID authorize these ACH transactions despite not originally wanting to. After the application was submitted, I was shown a payment schedule and given my terms and accepted the loan. Fast forward to now, it is XXXX XXXX. I have made my first XXXX payments successfully, allowing for the ACH transactions to process. Since I still did not feel comfortable with them, I wrote to the BSC support line and officially revoked my ACH authorization. When I did so, they wrote back accepting my revocation, but also, they included in the email language that suggested that they would consider this as intent not to pay or fulfill my financial obligation unless I called them before my next payment to set up a new payment process. In fact, the exact language suggests that they are now expecting me to pay the loan in full and demanding this, as I no longer allow them to withdraw the funds through ACH. 

I informed them that while I do need to make sure each payment is made on time, I am not required to allow for ACH transactions as a form of payment, and that so long as I respect the original payment schedule, I was still adhering to the agreement I signed in terms of payment. Their message threatened negative reporting to the major credit bureaus as well as possible legal action should they determine that I had a " failure to pay '' and that I needed to call them asap to schedule new payments. To this degree, I again responded that I am following my legally granted rights and that if they chose to press this further I would report these actions to the proper authorities. 

Unfortunately, while I have the email where they made these statements, I do not have a way to provide proof of their requirement for ACH authorization as this step is only available during an application. However, I would urge the proper authorities to investigate this issue as this is a violation of consumer protections.
Product: Debt collection

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing.
Product: Debt collection

I have been notified by my XXXX bank account that there appears to be dark web activity against my account. It states that I owe {$81.00} for a delinquent policy payment to XXXX XXXX insurance. The vehicle involved was a XXXX  XXXX XXXX, which I have never owned. The Credit Collection Service phone # XXXX. 
The account in question is for XXXX XXXX XXXX Co, reference # XXXX My contact information is ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX
Product: Checking or savings account

i have received multiple Overdraft Fess towards my Navy Federal Account despite the fact that my purchase was under the limit threshold of which I would receive a fine.
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 to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX 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: Student loan

My federal student loans were transitioned to Mohela in XXXX. In XX/XX/XXXX Mohela experienced a " platform change '' that caused disruption to my autopay as well as an inaccurate reflection of my payment history. I am in need of an accurate payment history to provide proof of payment to my employer who is assisting me with a loan repayment program. I have been repeatedly contacting Mohela 's customer service line since XX/XX/XXXX requesting a letter that details an accurate payment history. When contacting the customer service line wait times have been upwards of XXXX hours. Often times when I finally get a call back I am then informed that the person is unable to assist me and that I will need to be transferred to another individual only to be placed again on hold for hours. There have even been instances where I did not receive a call back because my estimated wait time exceeded their hours of operation for that business day. My letter request has been submitted upwards of XXXX or more times and incorrectly completed each time despite my explanation that my payment history needs to be pulled from the " old platform '' to accurately detail my monthly payments. After XXXX months of calling weekly, sometimes even more than once per week, I still have no resolution. I have been told that they are unable to correct my account history on their " new platform '' so I can not personally access an accurate payment history to provide to my employer to continue with their loan repayment program.
Product: Debt collection

Account was added to my collections account XXXX XXXX and XXXX. XXXXXXXX XXXX  total amount {$550.00} opening date XX/XX/2020. Ive never received documentation or bills from this insurance carrier. I made initiative to call and very collections and when was their an option to settle or dispute, no results no options given.
Product: Credit card or prepaid card

I am trying to send this to capital one but my phone is overdue now that I dont have any money in my account there so that is a hardship. 

I am locked out of my email. Someone is fighting me changing the passwords along with me. 
My card is lost. 

XX/XX/XXXX XXXX Purchase - {$1100.00} XX/XX/XXXX XXXX XXXX - {$1300.00} XX/XX/XXXX XXXX XXXX - {$2400.00} I've started using this card less and checking it less but I was going to send the money to my brokerage to buy stocks then I see the money is not there and these 3 purchases are not anything to do with me. 

Thank you. Please find my {$5000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

SOMEONE STOLE MY ID AND SOCIAL AND LATER OPENED UP ACCOUNTS IN MY NAME.