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

MY PERSONAL INFORMATION WAS STOLEN 2019 AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED. THERE SHOULD ONLY BE ONE ADDRESS BEING REPORTED TO MY CONSUMER PROFILE. I ADVISED THIS AND THERE ARE STILL BEING LISTED
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education has duplicated the same information through several companies. Making it appear that I owe 3 different companies the same amount of money ; and each of them are derogatory. Each of them are reporting similar information but different payment histories, different start dates, different last activity dates. Upon information and belief this is done to make the additional companies appear authentic. I have never had a contract with any of these companies and I am in fear that I will be forced to pay upwards of {$45000.00} to clear up my name. This has caused me unimaginable financial stress during this pandemic. I notified the three bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX DEPARTMENT OF EDUCATION All student loan repayments have been placed on hold since XX/XX/XXXX. They are falsely reporting it has been in collections when they are legally prohibited from collecting. 
This account payment dates are inaccurate and different at each of the bureaus. 


XXXX All three bureaus are reporting what could be a violation of a Nondisclosure Agreement ( SF-312 ). The contractual agreement between the U.S. Government and me is to never to disclose information to an unauthorized person. I have never authorized or consented to disclosure of my personal information. 

This account payment dates are inaccurate and different at each of the bureaus. 
It should also be noted that the Consumer Financial Protection Bureau has sued XXXX in XXXX for systematically and illegally failing borrowers at every stage of repayment. I will attach a copy of CFPBs press release. 

XXXX All three bureaus are reporting what could be a violation of a Nondisclosure Agreement ( SF-312 ). The contractual agreement between the U.S. Government and me is to never to disclose information to an unauthorized person. I have never authorized or consented to disclosure of my personal information. 

This account payment dates are inaccurate and different at each of the bureaus. 

DEPTEDXXXX All three bureaus are reporting what could be a violation of a Nondisclosure Agreement ( SF-312 ). The contractual agreement between the U.S. Government and me is to never to disclose information to an unauthorized person. I have never authorized or consented to disclosure of my personal information. 
This account payment dates are inaccurate and different at each of the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report showed credit inquiries that I dont recall authorizing. 

I sent letters to Equifax disputing the inaccuracies of the following inquiries : XXXX/XXXX  XXXX  XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I sent letters on the following dates : XX/XX/XXXX - No response from the agency. 
XX/XX/XXXX - No response from the agency. 
XX/XX/XXXX - No response from the agency. 
XXXX - Received letter from agency states they are factual. Did not send the method of verification that they used. 
XXXX - Haven't received response yet.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , XXXX 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 : LIST OF ITEMS TO BE REMOVED XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX2023 XXXX XXXX  XXXX XXXX BALANCED {$1600.00} 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 # ( private case number ) 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 am grateful for the actions taken by the Credit reporting Agencies in removing a portion of the disputed fraudulent accounts and information off of my Credit File. However, upon reviewing a copy of my updated Credit report, I am baffled to see that a lot of new fraudulent items have appeared and there are still a lot of previously disputed items that remained. In accordance with the Fair Credit Reporting Act section 605, I am submitting this CFPB Complaint to request that the Credit reporting Agencies remove the disputed fraudulent accounts and information off of my Credit and update my Credit File in order to report accurate information only. Please remove the following items off of my Credit File as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These items are unknown to me. Also, the information that some Credit Bureaus provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me.
Product: Prepaid card

I tried using the card on XXXX, XXXX XXXX, and it never went through.
Product: Student loan

Hello, I have private student loans with XXXX XXXX XXXX managed by Great Lakes. On XX/XX/2018 I logged into my account with Great Lakes to check on the status of my student loans. When I clicked on account details and scrolled to the bottom where it states " Loans in this Account '', I noticed that my interest rates on the student loans had risen. I was never notified that my student loan interest rates had risen. I even checked my message center with Great Lakes to see if notification was sent, and there was no information letting me know my rates had risen. Before I go further let me go back into my history with Great Lakes to better understand the situation at hand. 
I filed a complaint with CFPB about a year ago against Great Lakes because I noticed that on their website my interest rates had risen and was curious as to why. After talking with several employees in management at Great Lakes I found out that my student loans were variable. My only problem with this information was that the Great Lakes website shared no knowledge to their borrowers that their student loans were fixed or variable. Since I filled this complaint with CFPB you will know see that Great lakes have simply add the word " variable '' next to the rate under " Loans in this Account ''. 
Getting back to my point on the matter at hand. Great Lakes does not supply information or alerts to their borrowers when the interest rates on the borrowers student loans have risen. The only way to find out would be to login, and discover that your payments for several months have been going further to interest. This information is vital and should be shared with borrowers so that they can make the decision to refinance to lower rates if need be. By Great Lakes not telling it's borrowers about rates rising on student loans, they are defrauding borrowers accounts and reaping the rewards. 
Student loan information should be easy accessible and not hidden. My request is to have Great Lakes send alerts by email, message center, or postage mail to borrowers when it's interest rates have risen.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>2025 green sky received {$24000.00} in error from XXXX. I had obtained a new personal loan at lower interest. That money was supposed to go to XXXXXX/XX/XXXX to payoff a previous personal loan. I notified Greensky of the error within 3-4 days and received many promises to return the funds, I have not received all the funds ( {$9000.00} received XXXX XXXX,2025 ). I've called ever 2-3 business days and at least 7 different C.S people ( XXXX, XXXX, XXXX, incl 2 managers- XXXX, XXXX ) with no results.

I believe this constitutes a violation of banking rules and good faith and some reparations should be enforced. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Companies XXXX, XXXX XXXX Experian abused consumer reports
Product: Credit reporting or other personal consumer reports

Experian Report # XXXX XX/XX/year> page XXXX of XXXX Has XXXX as a hard Inquires in which i never heard of XXXX nor applied for any credit under XXXX showing on my credit file. 

I want documents of signature what was the loan application who how it was sign docusign or how ever the information was gathered. 

I want Experian to provide proof as a hard INQUIRE to XXXX placed on my credit file XXXX XXXX Unspecified by Experian to the reason on my credit file
Product: Credit card or prepaid card

American Express promotes their Blue Cash Preferred Card as 6 % cash back, but doesn't recognize simple grocery stores as XXXX XXXX as qualifying for the 6 %. Their definition of a " supermarket '' is narrow, and isn't clearly stated in their advertising.
Product: Credit reporting or other personal consumer reports

FRCA SECTION XXXXB In accordance with The Fair Credit Reporting Act this creditor has violated States I have the right to privacy 15 USC XXXX section XXXXa section XXXX it also States a consumer reporting agency can not furnish an account without my written instructions under XXXXXXXX XXXX XXXXXXXX XXXX a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WANT THESE LATE PAYMENTS REMOVED
Product: Vehicle loan or lease

Im responding in regards to case XXXX. The inspection on the car was done on XX/XX/year> and the car was returned on the same date. The letter from nissan states XX/XX/XXXX, which is not accurate. 

Since this car was returned on the XXXX, I should not be billed to make full payment of {$2800.00} by XX/XX/XXXX. I never received the letter by nissan on XX/XX/XXXX, until i login to the website on XX/XX/XXXX and noticed i was being billed. I should be given enough time to make arrangements to pay this bill. 

I need Nissan to extend the payment until XXXX without impacting my credit and sending this account to collection.
Product: Credit reporting or other personal consumer reports

XXXX XXXX SSN XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the EXPERIAN 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 credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am in trying to utilize my XXXX XXXX XXXX, and I unable to do so with any, " dispute comments, '' on my credit reports. I have been in contact with all three credit reporting agencies for over two months as of this CFPB complaint about having these comments removed. After every phone call, I am assured that the comments have been removed. However after waiting the 72hrs for the comments to fully remove from my reports per credit reporting agency, they are still there or have re-appeared. My mortgage company 's credit manager keeps sending me screen snippets with the accounts still showing on my report. I called the credit reporting agencies again, and I was told that I needed to have the original debtors to have them removed, " since they are the ones that keep reposting it, '' per the credit agency representative. I spent three hours on the phone this morning going back and forth with different companies and not one company was able to see the comments on their end. No one is taking the responsibility to see the comments to have them removed, so I can purchase a house for my XXXX and XXXXXXXX XXXX. 
I need help removing the comments from : XXXX XXXX XXXX and XXXXXXXX XXXX accounts showing on my credit reports. 

I have been trying since March to have these comments removed, and they keep popping back up on my credit reports. This is impacting my ability to utilize assets that I have earned by being a retired 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 Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
1 5 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 1 5 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: Debt collection

Company has failed to verify debt and sold debt to an unknown and unauthorized party without consent. The Third party has infringed on my privacy rights to threatening to sue. Legal action is in progress and there has been no changes or updates to credit reports. There has been several consumer violations and this account should be removed immediately. Violations include 15 USC 1692 ( g ), 15 USC 1692 ( c ), 15 USC 1666 ( b ), 15 USC 1666 ( a ), 15 USC 1681 ( a ) 4, 15 USC 1681 ( e ), FCRA 609 ( a ), FCRA 611 ( a ), UCC 1-203. Experian refused to remove after items that has disputed several times. This is fraud. The balance on this accounts have been paid in full by insurance and has been duplicated on my credit report. I have never received a 1099c for any of these charge off accounts. The companys are XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

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

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/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
Product: Money transfer, virtual currency, or money service

xoom they restrict my account transactions. Say let me authenticate. I called and emailed. No one answered the first call at night. I need XXXX XXXX and I always reply by email. Unable to verify my account. I got through the phone today. They still said they couldn't verify. I asked them why. They didn't say. They didn't tell me what I need to do. Finally, I told I don't want to use their services!
Product: Bank account or service

we called key bank about opening a new checking account and to see about incentives for opening an account. we were told there was a {$200.00} incentive but we had to do it online and was given no other information. we did the account on line and did n't enter a promotional code because we were not given one. the bank is refusing to honor the word of one of their employees and ca n't go back and get the information from the phone call because they deleted it. we only opened that account with that bank because of the promotion and they are refusing to honor it because they do n't have the information from the phone call we made. XXXX from corporate office told me no and that was the reason. So now we are filing complaints and want what was promised to us. They continually lie to us about this
Product: Credit card or prepaid card

USAA demands all fraud reported be turned into disputes that then place temporary credits listed as adjustment purchases. The internal temporary credits do not apply until they are made permanet. See statement XX/XX/XXXX. The temporary credits list as other credits {$2.00}, XXXX THAT DISAPPEAR. They are not made permanet and fall off. All temp credits become PERMANET NEW PURCHASES WITH NO WARNING OR EXPLANINATIONS. AND merchant credits are stolen leaving consumers with fraud. See statement attatched. XXXX XXXX XXXX XXXX credited {$200.00} {$280.00} On XX/XX/XXXX USAA places temp credit AFTER MERCHANT PAID. so USAA can fraud consumers they got 2 credits for one purchase. XXXX credits are now credit reversals XX/XX/XXXX leaving me with the fraud. USAA tells consumers look you got One credit from merchant and One credit from USAA. Temporary credits must be made permanet to apply when only One real credit from merchant is all that applied. Now for rest story. USAA demands all frauds to be disputes first.Disputes place a temp credit to CREATE MORE PROFITS BY COLLECTING 2 purchases USAA STEALS MERCHANT CREDITS CLAIMING THEY ARE USAA CREDITS. USAA policy demanding disputes not fraud reports is not the rules FTC states on line. FTC says if not delivered timely or not delivered at all it is fraud. 
USAA says if you have done business with merchant before IT IS NOT FRAUD EVEN IF NEVER WAS DELIVERED. FTC talks about the investigation which USAA does not do. I am not provided any merchant info if merchant decides refund not deserved. No wonder NONE OF MY FRAUD HAS BEEN CREDITED BY USAA. AND LOOK THEY EVEN TAKE MERCHANTS CREDITS AFTER THEY PAY. XXXX  XX/XX/XXXX credited. became a new charge XX/XX/XXXX stealing XXXX credit and leaving me with fraud. USAA CREATES THE CREDIT REVERSALS FOR ADDED INCOME ALWAYS. ALL. MUST BE DISPUTES. USAA IS NOT ZERO LIABILITY. They do not investigate fraud so they do not have to pay for it.
Product: Debt collection

I have made numerous attempts to contact the Healthcare Revenue Recovery Group , LLC, after they sent me a notice of a potential debt. 

They advised me to email them. I did so multiple times to multiple email addresses. They have never replied nor confirmed they received my message. On their letter they advise emailing XXXX, I have emailed that address over 4 times to no avail. 

They also suggest emailing XXXX, I have emailed that address 3 times and gotten nothing back. 

They suggest calling ( XXXX ) XXXX, both in the letter and on their website. When you call this number you hear a statement which says the line is not in service. 

They have not made it possible to be contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX In accordance with the fair credit report act XXXX  account number 15 USC 1681 section 602 8 states I have the right to privacy.

15 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.
Product: Debt collection

I have sent a few letters, asking XXXX XXXX XXXX, XXXX  is send me original documents with my signature, as a proof to this claim i am unaware of. After the second letter i received a response saying. They have completed their investigation, and have established validity. I have yet to see documentation with My signature. I called the original creditor, Capital One and made them aware i knew nothing of the debts. Capital One response was that they had no original Documentation with my signature on it.Upset that they have not worked with me to resolve this matter.