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

Per 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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

Google XXXX  does not integrate with XXXX  products therefore a delay occurred affecting my credit history for XXXX  years. XXXX and Google the company expanded on this problem by making " customers '' who need constant updating and can therefore not complete assigned work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : DPT ED/XXXX XXXX, DPT ED/XXXX XXXXXXXX, DPT ED/XXXX XXXX, DPT ED/XXXX  XXXX, DPT ED/XXXX, DPT ED/XXXX  XXXX, DPT ED/XXXX XXXX, XXXX XXXX XXXX XXXX. Accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I received an alert from Experian that my score dropped 23 points. When I viewed my report for detail, absolutely nothing had changed from the last report. I called to receive clarification on why my score would drop 23 points when there are NO changes to my credit report and the CSR explained they could not provide specifics for the decline in score. She could only provide a general explanation of negative accounts Also, collection accounts traditionally have less impact on your credit score over time. Collection companies know this so they employ little tactics to fraudulently decrease a consumer 's score. There are two collection accounts on my report where the companies are repeatedly " updating '' the Balance Owed or other categories although all info remains the same. These updates decrease my score each time as if it is new information. 

I spent 50 minutes on hold after receiving notification of a score decrease and the representative ( XXXX ) could not explain the reason for the decline. She initially stated it was because I opened a dispute ... which disputing information should never lower a consumer 's score. I then informed her the dispute was filed AFTER the decrease. She had no answers and stated my current report was unavailable and I would have to call back in a few hours.
Product: Mortgage

We live here in XXXX mississippi XXXX my father pays mortgage every month however he passed away last XX/XX/2023, so i have to continue paying the said mortgage and since My father passed away and its me now paying the mortgage under my ssi income.. i am requesting to transfer the deed trust under my name. yet the public people 's finance company here in XXXX Mississippi doesnt seems want to do it. I am now seeking an assistance how can i go about that? Im under XXXX and im only defending from my social security income and i am hoping that there would be assistance from government that is available for me? Please answer me.
Product: Mortgage

Aggregate Adjustment amount changed after documents signed at closing ; difference is not in my escrow Account
Product: Checking or savings account

my account has a hold on it i want it off or i want access to my funds if a check is being mail i want the tracking number with the check also
Product: Credit card

Complaint Narrative : I am filing a complaint regarding Citibanks mishandling of a dispute I filed concerning a {$500.00} charge from XXXX, dated XX/XX/XXXX. I submitted this dispute well within the allowed timeframe, and Citi initially accepted the case and assigned dispute number XXXX. 

Despite my timely submission and full cooperation, Citi has now denied the dispute based on the claim that too much time has passed even though the delay was due to their own extended investigation process. They previously requested additional documentation, which I provided both electronically and via USPS. 
I also sent a follow-up email on XX/XX/XXXX, to ensure receipt of all documents, and received letters from Citi dated XX/XX/XXXX and XX/XX/XXXX, asking for more information indicating the case was still active. 

Furthermore, Citi issued conflicting messages : one notice said the case was closed due to the age of the charge, while another said the case was still under investigation and requested more information. 

I acted in good faith, provided all requested materials, and received no resolution. The failure to properly handle the dispute, paired with mixed communications and an arbitrary denial based on timing, is unacceptable. 

In addition, the merchant ( XXXX ) and the airline ( XXXX ) each deflected responsibility. XXXX told me that any refund for unused taxes would need to be requested through XXXX XXXX however, refused to facilitate the cancellation or tax refund, despite the ticket being unused and my efforts to resolve this before the travel date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX NA XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX Card XX/XX/XXXX - no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C . 1681 XXXX XXXX permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All inquirers reported to and obtained without my written consent is a violation under the FCRA U.S.C 1681 and aggravated identity theft pursuant to 18 U.S.C. 1028A
Product: Credit card or prepaid card

On XXXX there were fraudulent charges on my credit card in the amount of {$14000.00} and the funds were taken from my checking account on XXXX XXXX, XXXX that was linked to autopay for my credit card charges. I notified my credit card company about the fraud and I was reimbursed twice in error, once on XX/XX/XXXX with a paper check and once on XX/XX/XXXX with ACH reversal. On XXXX XXXX I received a bill from my credit card company for {$14000.00}. On XX/XX/XXXX my bank manager helped me get a cashiers check for {$14000.00} and I mailed it to my credit card company the same day certified mail, return receipt requested. The due date on statement was XX/XX/XXXX, and they received payment on XX/XX/XXXX. I was surprised when I received a statement in XX/XX/XXXX indicating I owed them {$110.00}. When I called them to inquire about the bill on XX/XX/XXXX I was told it was 3 days interest because they claimed I didnt meet the payment deadline. I then mailed them copies of all documents to prove I did indeed send payment on time on XX/XX/XXXX. I received another bill from them for {$150.00} since they tacked on late fee and additional interest charge with a due date of XX/XX/XXXX. 
I have called about this numerous times and they are only willing to waive a portion of the interest.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 


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 XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved in the process. I sent letters XXXX  Equifax Credit Bureau the date of the last letter was on XX/XX/2021. XXXX  now we are in the month of XX/XX/2021 XXXX  still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law XXXX  continued XXXX  report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Good Evening, Spent several years disputing and sending letters to request update on accounts that have been deleted off XXXX and several on XXXX. Recently sent certified letters showing proof from companies that show accounts were paid in full. Credit bureaus refuse to update status to reflect such. Or remove inaccurate information causing for credit scores to remain low. Causing denial of services and products..
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

( XXXX true Identity theft ) I am a victim of identity theft XXXX   confirmation # XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XX/XX/XXXX TransUnion file number XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XXXX XXXX  Report Number : XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help THESE ADDRESSES DON'T BELONG TO ME XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX   XXXX, GA XXXX
Product: Debt collection

I was also a victim of Identity Fraud I didn't not know this account was on my report and when I challenged the debt the company provided ELECTRONIC SIGNATURES that was not made by me they also did not update my credit report stating the account was under dispute within 30 days Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/2020. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
Also this company is reporting the account under multiple Business names Perfection Collection and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX fraud with scienter. When trying to open accounts denial of opening accounts due to XXXX XXXX debt collectors
Product: Credit card or prepaid card

I called in to Capital One on XX/XX/2023 to make sure that I got credited by XXXX XXXX XXXX for time I wasn't going to be there that I paid for in advance. 

Capital One then canceled the entire payment. 
this was the beginning of the employee fraud written employee fraud. Of this card. 
Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While I was in XXXX XXXX I used my Capital One credit card ending in XXXX at the XXXX XXXX XXXX in XXXX California, that transaction debited my XXXX XXXX checking account. 
my card ending in XXXX got violated immediately after I gave XXXX XXXX  my card numbers. 
I called into XXXX XXXX the next day when I saw the money from my checking account deducted after using my Capital One card ending in XXXX I called XXXX XXXX and reported the fraud as soon as I saw it in my checking account. XXXX XXXX is still investigating that transaction. 

after that I relocated to another monthly rental that was advertised thru XXXX XXXX XXXX XXXX. There was child trafficking physical violence, drugs as well as vehicle vandalism and property theft and vandalism going on inside the XXXX. 

this XXXX was advertised as having no pets no children it was high-end professional atmosphere. 

that place was nothing like that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I called in to Capital One said I was leaving and I'm not paying the bill for that place. 
I called the police child protective services dod XXXX assault hotline and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I experienced at that property.

I reported the hosts to kaw enforcement. 
XXXXXXXX XXXX XXXX  properties. 
Additionally the amount XXXX XXXX XXXX XXXX XXXXs higher than what Capital one credited my card ending in XXXX. I have excluded communication with XXXX XXXX XXXX XXXX  to show that the credit should have never been XXXX. XXXX I have more than 9 dispute letters for this one file. 
I called into capitalone more than 20 times to resolve this. File XXXX. 
I am so mad what they did to my account I can not speak to them without yelling. 

XXXX XXXX has frozen all transactions with capitalone to ky account and put a fraud alert on capitalone. 
And I have frozen my credit reporting accounts as requested by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warnings will not give me my consumer report, I have been denied bank accounts, and I want to know why. I have went on there website completed the request form, submitted online and received no response from the company has been about a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to this dispute I have disputed accounts on my chexsystem report that were fraudulent and unauthorized without my knowledge or consent. I have several security alerts on all 3 of my credit reports with the bureaus due to fraudulent activity, my information being exposed in several data breaches and also on the dark web. Such my social security number, past and current address I resided, employer information, hacked email addresses, passwords to banking information, different spellings of my name was used to create accounts, also a loss drivers license which was replaced on XX/XX/2018 and also other personal information compromised. There are a few bank accounts that were opened in my name. I was not contacted or received any documents of this information listed in the check system. XXXX  XXXX XXXX has reported fraudulent information and has harassed me via phone in reference to collecting moneys not owed. A collection agency has been contacting me via phone as well, stating that they are collecting the unpaid moneys on the behalf of XXXX  XXXX XXXX and this is an attempt to collect a debt and if not paid to them I will be prosecuted. Due to this fraudulent account and reporting to the check system. I am unable to open any accounts with any other banks and the harassment from both companys has impacted my life in a drastic way. I am requesting for XXXX  XXXX XXXX to delete these inaccurate account and all derogatory information from my chex system report. Count your losses, delete this negative inaccurate information and please stop the harassment for legal action is taken. Attached are documents proving my identity was compromised and a identity theft report was also done online.
Product: Credit card or prepaid card

A LUXURY CARD Master Card was mailed to my home unsolicited by me.
Product: Credit card

I have an XXXX credit rating and never missed a payment EVER. My TD Bank Credit account had not been used for many months and just around the time I called to close the account, XXXX fraudulent charges were made on the account - a quick XXXX search of the merchant codes show lots of people have had the problem with Magazine Subscriptions. Since I had just closed the account, I never bothered to login or check to the account, assuming it was closed. However, after receiving a COLLECTION Call on the account and interest and late fees on the closed account, I found out about the Fraud. I immediately opened a case - XXXX - however, I found out today XXXX after receiving another COLLECTION call that not only did the interest and fees not stop, they informed the credit bureaus of my situation negatively impacting my credit score. 

The charges were not made with my permission and I 've never had a credit issue in my life - TD Bank should be fixing the incorrect report to the credit bureaus AND issues the credits to balance out the closed account. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I got this car from XXXX XXXX, on XX/XX/XXXX I put XXXX down on the vehicle, I was charged XXXX for a XXXX XXXX XXXX. I've gotten it down to XXXX and some change. I am being over charge for this vehicle. I pulled up the XXXX XXXX XXXX and my car which is the XXXX XXXXXXXX XXXX is only worth XXXX dollars. I've been Robbed.
Product: Debt collection

collection acc # XXXX XXXX XXXX This debt collector hasn't provided me proper debt validation for this alleged debt please delete from my credit report there's an account with an outstanding balance of {$3300.00} reporting in my report since XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INACCURATE INFORMATION REPORTING ON MY REPORT:US DEPT OF ED/XXXX/XXXX - Acc # XXXXXX - PAID This was disputed and then removed from my credit report under the name "DIRECT LOANS", later it was re-added to my credit report under the name "US DEPT OF ED/XXXX/XXXX". The account # XXXXXX was a fraudulent account, but is now showing as closed with "failure to pay" in the payment history.
Product: Money transfer, virtual currency, or money service

TD banks cash machine is shorting eople out of their money
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a fraud-victim of the XXXX and Equifax Data Breach. I have filed a fraud report with my local police dept. the Federal Trade Commission and now the Consumer Finance Protection Bureau. There has been loans, credit cards, medical services and other credit obtained under my name.I never had any use for credit as my late husband took care of all our financial needs and would never allow me to sign any debt-instrument whatsoever. 
1.XXXX  XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I accidentally made an double payment at the end of my lease term in XX/XX/XXXX. I called that same morning to alert them and they stated they could not reverse the charge and since it was the end of my lease the only option would be to send me a refund check. Needless to say this created an ongoing issue where they never actually sent me a check and furthermore, never credited the extra payment against my account. When i extended the terms of my loan another 6 months and was told this was all taken care of and the payment would be applied, I was erroneously reported as 30 days past due in XXXX. Had to make more phone calls, they assured me they would fix it and I was reported again in XXXX of XXXX. They put me through so much stress and effected me financially. I spent hours over those 5 months on numerous phone calls, speaking to numerous specialists, getting collection calls and letters every day. The worst experience I have ever had. Each time they said the call was recorded and that they were sorry and everything would be resolved, so there should be no issue to investigate and remove these derogatory marks from my report which have already caused my APRs to increase on my other accounts and caused my auto purchase to have an outrageous payment and my refinance to be denied. This is effecting my credit and my life. They have put me through so much stress, all because I made an extra payment at the end of my term and they didn't know how to handle it. Please look at my credit history, I am not XXXX to be past due on my accounts. Please help! I already reported through XXXX and sent letter to XXXX and they continue to do nothing. I attached a file with further explanation.