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

I opened an XXXX XXXX  XXXX XXXX card in XX/XX/2017. When signing up for the card, I put in my XXXX  account number. I am supposed to get a free night certificate on my one year anniversary. 

Somehow, on XX/XX/XXXX, American Express changed the XXXX account number on my file to that of my brothers. This itself is another privacy issue. I called them 3 times about changing this back, but the person on the phone could not do it. 

Anyway, one year has passed, and now when I check on the status of my free night certificate, they tell me that it has been issued already. To the wrong account. They tell me to talk to XXXX. I talk to XXXX and they said to talk to Amex. 

Amex tells me that they have no idea how the system changed my XXXX account number to my brother. In my earlier monthly statements, the correct XXXX account number is there. Somehow, that changed in XX/XX/XXXX. 

After talking to the chat help, they finally changed the number to my correct one. However, the free night certificate has already been sent to the wrong account. 

Amex can not cancel the cert and reissue another one. They also said they can not compensate me the points equivalence ( XXXX XXXX   points ). They have wasted about 10 hours of my time on this issue which started with a data issue and privacy breach.
Product: Credit card

Someone has come to my familys home to look for me for a Citibank credit card regarding legal documents. I have no clue what this card is or what the issue is but they have been threatening my elderly mother with a legal issue.
Product: Debt collection

There as been a collection on my credit ( XXXX ) that is not my. I have already disputed this account before explaining that this collection does not belong to me and was deleted. But not it has appeared again and I disputed it once again explaining that I have no responsibly with this collection. But it was verify as accurate. I have no responsibly/ownership with this collection. The collection amount is {$11000.00} and the creditor trying to collect this is Sunrise Credit Service.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically Cash App failed to take time and effective measures to prevent an address fraud on that platform leaving my account, vulnerable and unprotected. Furthermore, they dispute. Resolution process was unfair and deceptive as they did not comply with resolution requirements under the electronic fund transfer act ( EFTA ) and regulation, E, these actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I completed a background check through Sterling for an employment opportunity with XXXX. After receiving a copy of my report, I discovered multiple instances of a 'XXXX XXXX XXXX ' on my report, with a matching birth month and day and a matching last 4 of my SSN. I believe this information is inaccurate and am concerned that I may be a victim of identity theft. 

Any assistance or knowledge of the proper next steps would be greatly appreciated. 

I have attached the background report, though it is password-protected. the password is my email address Thank you for your time.
Product: Credit reporting or other personal consumer reports

Inquiry for XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/2024. These were not authorized by me. Please remove. 

I applied for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Transunion which left me with two hard inquiries on my credit report for one credit card app. I called to have this issue corrected and I was told I needed to dispute it with the credit bureaus. This has been frustrating to say the least because the credit bureaus has not been helpful either. I am asking for this to be corrected ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2021 XXXX XXXX XXXX {$2500.00} XX/XX/2021 XXXX XXXX # XXXX {$2000.00} XX/XX/2021 XXXX # XXXX {$2900.00} On XX/XX/2021 and XX/XX/2021, the charges above were made with my credit card. 

I notified the bank immediately that the charges were fraudulent. However, after they investigated, the found that my physical card was used and because it had a chip in it, determined that I was liable. 

The problem is that I opened the account on XX/XX/2021. However, I never received the initial card. Some time before XX/XX/2021, I reported that I never received the card, and requested a new one sent to me. Importantly, I asked the representative to cancer the initial card since it was lost or stolen. However, he may not have canceled the first card before sending me the second card. On XX/XX/2021, I found the 3 fraudulent charges above and reported them to the fraud prevention team. 

After the Chase investigated, they said that I was liable for the charges because a chip card was used and it is nearly impossible to counterfeit those cards. It may have been that the first card that I never received was used. If so, I should not be liable for those charges since I did not make the purchases and the representative should have canceled that card when he sent me the second.
Product: Credit card

I received a denial for credit due to " poor credit performance with a Wells Fargo credit card ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft report from the federal trade commissions report numbers # XXXX, # XXXX. Under the FAIR CREDIT REPORTING ACT Experian is obligated to provide accurate verification within 30 DAYS of being notified by a consumer of inaccurate/ fraudulent related accounts being reported on their credit file. It has been over 60 days and Experian has and continues to violate the Fair Credit Reporting Act. The data furnisher which they use or e-oscar automated verification system only verifies a consumers name, social security number, and address. Any individual who has access to my personal information as such would easily be able to impersonate me and commit identity fraud. Experian has not provided me with any physical documentation obligating me to these fraudulent accounts ( XXXX XXXX XXXX  # XXXX, Office of Attorney General # XXXX. I have provided more than sufficient supporting documentation to Experian but yet these fraudulent accounts yet still appear on my credit file. For the past several months I have be in touch with Experian consumer reporting agency through phone and direct mail regarding fraudulent established accounts appearing on my credit file due to identity theft. I have sent Experian numerous disputes as well as an Identity theft report from the Federal Trade Commission that has included the fraudulent accounts in question. Experian has failed to provide 100 % accurate verification on the behalf as per the Fair Credit Reporting Act in regards to section 605b 609, and 611. It has been well beyond the 30 day time frame from my initial dispute and Experian has either not responded or failed to send me any correspondence regarding my disputes. I have included a copy of my drivers license, social security card, utility bill, and also a request to update my personal information to remove the fraudulent addresses from my credit file. This is a clear violation of my consumer rights as well as the Fair Credit Reporting Act
Product: Mortgage

Selene finance took over my mortgage loan XX/XX/2023. I made a payment in the amount of {$3100.00} but when I finally got access to the app they had raised my interest rate from 3 % to 7.1250 % which took my mortgage from {$1100.00} well over {$1600.00} No one at XXXX has offered any documentation as to why this rate was raised. Ive called 4 times and no one has yet to send me the justification on this increase. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are not updating my credit report for one negative item. Equifax and XXXX keeps providing bogus information claiming that my negative item was investigated. I personally contacted the creditor on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to confirm and they NO LONGER have the disputed account on their records since XXXX. Equifax and XXXX " investigation '' stated that this creditor reported their first delinquency on XXXX. The creditor got paid through my already dismissed chapter XXXX that was filed on XXXX/XXXX/XXXX and discharged XXXX/XXXX/XXXX. The chapter XXXX has already been deleted from my credit reports along with all the involved accounts except this one.
Product: Student loan

We have received letters stating we have exceeded the minimum number of payments. Yet balance was not XXXX out and they have started taking our direct deposit payments again. It's MOHELA and they blame feds for transferring our loan around. No one can give us a straight answer except " it's being taken care of ''. When we call we get " it can take up to 90 days '' ... .it 's been over a year now!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and seen that I didnt approve nobody check credit and I havent been on website. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I dont have a amount but its showing in my hard inquiries. Company name is credit acceptance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my credit report that are reporting incorrect information that is withholding me from seeking new lines of credit. I have disputed these two alleged accounts with Transunion on XX/XX/2021. The 1st account is from XXXX XXXX and there are numerous errors reporting such as the balance, & payment history. The 2nd account is XXXX XXXX and the payment history reporting is incorrect on this account. Since sending the letters on XX/XX/2021, I did not receive a response from Transunion within 30 days as required by law. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. Attached is the certified mail showing proof of my disputes. I have tried relentlessly to dispute these accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX deleted 3 fraudulent accounts and hard inquiries off of my credit report and file that I filed identity theft for starting XX/XX/XXXX. I never gave EQUIFAX written consent to furnish any of these accounts and inquiries on my credit report and file, violating 15 USC 1681b ( a ) ( 2 ). 

This violation was stated in an Affidavit of Truth sent on XX/XX/XXXX for furnishing a XXXX XXXX account without my written consent. ( proof of them receiving it attached ) EQUIFAX compiled by deleting all of the accounts and inquiries I demanded to be r

emoved, but did not compensate me for the violations they committed against me. This is unlawful and against the FCRA.

Pursuant to 15 USC 1681n of the FCRA, I am to be compensated for any violations committed against me. 

Attached is an invoice I sent with the Affidavit of Truth sent on XX/XX/XXXX. 
Equifax has this invoice in their hands and did not comply fully with federal law protocol for their unlawful acts. 

As mentioned, attached is the invoice I sent on XX/XX/XXXX. I also attached an invoice for all of the additional violations EQUIFAX committed against me from all other accounts and hard inquiries they furnished without my expressed written consent- totaling twelve ( 12 ) additional violations. I demand EQUIFAX compensate me for the violations they committed against me. 

Proof of all deletions is attached. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$550.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$650.00}
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. 

Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 card or prepaid card

PayPal credit has any purchase over {$99.00} put into a 0 % for XXXX  months. However, I have made a purchase then return it and once PayPal receives the merchant credit, they are not applying it to the original purchase. This could cause me to pay more in interest even thought the item was returned. Example a purchase of {$160.00} was made it is 0 % till XX/XX/XXXX. I return the item. Merchant refunds {$150.00} They do not apply merchant credit to that purchase they apply it to a purchase that 0 % expires in XXXX. Even though they are completely different merchants. This is one of example of four complaints I currently have made with PayPal. They could be doing this to many people and they might not realize it and in turn could be paying interest charges they might not really owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the years XXXX there were four cases in which I attempted to file for bankruptcy. The cases were all dismissed. I was having trouble with my husband and property we had together in which it financially draining to me. During that time we attempted to file, but never had the proper paperwork to get it started. It never went to court, a case was never filed. Nothing. Since XXXX I have attempted to write Equifax and have them investigate and have this deleted off my records. After reading the FCRA I found that they were in violation, because they were reporting something inaccurately. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they had no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they were obligated to delete this information from my credit report and send me an updated copy when this action is completed. 

I wrote them and made them aware of this information and they blatantly ignored my request. I even provided them documentation that the bankruptcies were dismissed. Again, nothing. They were kind enough to send me a new copy of my report that stated that they would be keeping the bankruptcies on my report. 

I am filing a complaint because they are going against my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 mobile phone account opened at Account at XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) on XX/XX/XXXX ACCOUNT # XXXX, with an outstanding balance of {$8700.00} and a Bank Credit Cards Inquiry : XXXX  XXXX, Date of inquiry : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( XXXX ) 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

I received my XXXX XXXX in XXXX XXXX in XXXX, XXXX. I am now a XXXX XXXX XXXX. I applied for an Economic Hardship Deferment in XXXX of XXXX online and was waiting to hear back in case Navient needed more documentation. However, I never heard back, and I called to double check that everything was good and the deferment was approved, and they told me it was being processed. The representative also had told me they would contact me if they needed anything further, In late XXXX of XXXX, I was trying to figure out a faster way to pay off my student loans owed to Navient so I would be able to pay down my balance. So, I applied for a Home Equity Loan ( and got pre-approved, my credit score was XXXX ) to pay Navient around half of what I owe. I checked my credit score a week later in XX/XX/XXXX, and it had gone down over 200 points. From XXXX to XXXX overnight. It showed that Navient had put in 10 accounts that said I was 90 days late. I was mortified, and was told my a Navient Representative that my deferment was approved back in XXXX of XXXX. 

At that moment, I cried and thought my credit would be ruined forever and I still am in absolute shock and turmoil over what this has caused me and my family. I have worked so hard to pay what I owe and had very good credit for years prior to this horrible situation. This error is not my doing and this error is on Navients part. I filled out the appropriate paperwork in XX/XX/XXXX, and a representative that I spoke with on XX/XX/XXXX said no one had ever processed my Economic Hardship Deferment way back in XXXX of XXXX. 

I was told to send this letter to explain my situation and how I was wrongfully put in the credit bureau, so this can be corrected. I work with XXXX XXXX XXXX every day, I pay all of my debt every month, and I have worked for years trying to build up my credit because I knew I would have student loans to pay off. I have nothing negative in the credit bureau before Navient made this life-altering error. I have sent two letters ( one letter in XX/XX/XXXX and one letter in XX/XX/XXXX ) to Navient explaining their error, and they have yet to respond. 

I have graduated with both, a XXXX  and a XXXX XXXX. I want nothing more than to pay my loans back, but I can not begin to become financially available if my credit is ruined for Navients error. My FICO score, XXXX, XXXX  and XXXX credit bureau have all been effected significantly to the point where I have lost over 20,000 dollars in credit thus far. Please help me correct these errors against me as soon as possible so my credit is no longer wrongfully negative. 

Thank you for your time with this matter. I would never be irresponsible, and I assure you that I was not in error, Navient was at fault 100 % and my graduation and credit is proof of my responsibility. If you have any questions or need further documentation, please let me know. Thank you again.