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

I did not authorize these companies to run my credit and would like them removed please
Product: Credit card

I have tried to use my card which has a {$400.00} refund credit, but I am unable to do so online it tells me I must call their fraud security phone number when I do I verify all my information, including my Social Security number my security password my first name last name, birthdate and checking account number and they still will not verify my account. Therefore I can not use the {$400.00} credit on my account I have spoken to Two supervisors and no one can help me.
Product: Credit card or prepaid card

On XX/XX/19 I received a call from CapitalOne credit card advising me of charges being made to my account from XXXX XXXX XXXX XXXX. XXXX GA XXXX in the amount of {$420.00}, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX GA XXXX in the amount of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. In the amount of {$1500.00}. 

After informing CapitalOne we did not make the charges they removed them on XX/XX/19. 
However, after further investigation I was inform since these were not made on line. I am responsible. My attorney XXXX XXXX wrote them and I have filed a police report and still they say I'm responsible and they are done with their investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing since XX/XX/XXXX with the bureaus some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the XXXX timeframe that they are supposed to respond in. On XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting or other personal consumer reports

I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.
Product: Checking or savings account

I was not notified of the check being flagged for a hold. Not on my mobile app, there are XXXX alerts as of XX/XX/XXXX. Not by email. XXXX emails. Only after I asked was notification provided. And the check in question was deposited XX/XX/XXXX and cleared the issuing bank XX/XX/XXXX. The check is from XXXX. A reputable company. Who I have been associated with for 16 years now. No reasonable reason to suspect for hold. So fifth third has been paid and has been holding my money since XX/XX/XXXX. And has a hold on the check until XX/XX/XXXX. Unreasonable hold status, and the check has cleared per adp. I have the email of the cleared check. Also the hold period is excessive.
Product: Vehicle loan or lease

I qualified for a deferment for my XXXX 2017 payment for my auto loan with Wells fargo dealer services. The deferrement forms were sent via email. However, the attachment with the file would not open. I called back and asked for the forms to be mailed to my address. They never arrived.However, I did recieve a statement on XX/XX/XXXX. I was hoping that these were the forms I had asked for. I immediatley called Wells Fargo to ask where my deferment forms were. I was told that it was now 46 days since my payment, and the deferment was only good up to 45 days.This is unacceptable, I have done my due diligence to aqcuire the forms necessary to process this simple procedure. Wells Fargo, has made it impossible to meet the requirements that they have set up.
Product: Credit card or prepaid card

In XX/XX/XXXX I was contacted by phone & email from several credit companies inquiring if I had applied for credit with them and I had not been applying for credit. I knew that somehow someone was using my information to try and get credit in my name. In XX/XX/XXXX I received an email from Avant stating that my statement was available to view. I immediately called Avant to let them know I did not open an account with them and that I had other companies reach out to me letting me know that credit was trying to be opened in my name. Avant sent me a 10 page report to fill out. The report stated I had to file a police report to acknowledge fraudulant activity in my name, so I did that on XXXX and submitted the information to them by fax on XXXX. I continued to receive emails that my statement was available to view so after a couple months I contacted them again and was asked to send the 10 page report again. This time I faxed it, emailed it, and also mailed the report and never received a response from them. I filed a complaint with the credit bureau companies in XXXX and they responded they couldn't help me get it removed.
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  XXXX XXXX Account Number : XXXX and 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, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Debt collection

Balance reflecting inaccurately on my credit report is XXXX. I am a victim of identity theft. This is stating XXXX of XXXX  as open date. As a joint applicant.
Product: Checking or savings account

On XX/XX/2024 at XXXX, Huntington processed a withdrawal from my account in the amount of {$2400.00} and that completely cleaned out my account! They never notified nor even tried to contact me in any way to withdrawal this money from my account. I called and they tried to say that they sent mail etc to my old address or even tried calling my old number, when the information on my new account was up to date! How can they do that to people with out any court orders or anything! Please help me out!
Product: Credit reporting, credit repair services, or other personal consumer reports

My insurance paid off my XXXX after an accident but capital one has it as a charge off on my credit report and has caused my score to suffer tremendously and really has limited my financial flexibility! This loan has been paid off and I want this reflected in my credit report! In the notes when I click on that account through credit karma it says that it has been paid off and dispute has been resolved! I also got a letter from capital one saying that it was paid off and this was XXXX off last year. Im not understanding y 7-8 months later it still hasnt been reported to my credit monitors!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am a victim of identity theft. I tried to contact the bureaus, but nothing is getting done. I would like them to have some urgency and remove these accounts immediately. They are in direct violation of the the FRCA laws. I am suffereing, and my family is suffering.
Product: Credit reporting or other personal consumer reports

I acknowledge your efforts in addressing and rectifying the fraudulent entries within my file arising from an alleged incident of identity theft. However, there remain unresolved items that necessitate your attention for removal. This marks my third complaint as a victim of identity theft, and I am diligently submitting disputes for the contested entries resulting from this criminal activity. The items under dispute are unrelated to any transactions involving the acquisition of goods, services, or financial resources that I have either made or authorized. For your reference, I have attached my new FTC Report XXXX XXXXXXXX. Kindly expunge the reporting of the following items from my credit file, which are the repercussions of the alleged identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never signed for this mortgage. I was XXXX XXXX military when the loan was done and was not present or even in the state at the signing. I did not give authorization for anyone to put me on the loan. The loan documents clearly show that I did not sign. I am not XXXX XXXX. I am XXXX XXXX XXXX. Furthermore. XXXX XXXX, the sole Mortgager, has acknowledged that she was the only XXXX on the documents and that XXXX XXXX was added months later without her acknowledgement or permission. It looks as if someone added XXXX XXXX afterwards with a different date. Its completely fraudulent.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian consistently responds stating the account is accurate, without providing any evidence of a thorough investigation. Experian has failed to fulfill its legal obligation under the fair credit act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. I am requesting Immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my right as a consumer.

The disputed accounts include XXXX resorts, and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive disputed with all three credit reporting agencies that the students loans with XXXX and Mohela are duplicate. They are also reporting that I was late, when I was always kept in forbearance. In my three reports there is no contact number for XXXX to dispute the late payments. Im frustrated with this issue as Ive tried to purchase a home and have been turned away due to low credit score. Im approved now however, there are 14 accounts that showed late payments which is affecting my score greatly! I was one of the students who was kept in Forbearance, the loans were removed for 8mths, and now they are back on. I dont understand? Ive struggled for over 15years with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

On XX/XX/XXXX Mr.Cooper deducted 3 mortgage payments from my checking account that was not authorized. Caused my account to become negative and caused undue harm to myself and family as that was all the money we had.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received the normal deflec lietter stating I MUST PROVIDE SPECIFIC IDENTIFCATION FOR THEM TO BE ABLE TO RESEARCH my complaint. Well sadly they have that information but evidently do not know it. Next the CFPB SOFTWARE does not allow the transmission of the last 4 of my SS on the complaint. An error that has gone unresolved by the CFPB for years! Sadly, because this company does not report real time their are balance issues on as number of current accounts THEY LIST! ( my wife 's and mine ) that do not reflect correctly.CREDIT CARDS XXXX BAL, LOANS XXXX, CAR PAID AND DISPUTES and negatives settled and paid. These lenders can hold off months posting correctly while negatives are posted IMMEDIATELY holding AMERICANS HOSTAGE financially while they take their sweet time. Opinion evidently a good scam to keep ones fica score low to make more $ $ $ - fact! So please only the stupid so not know the game! And do not expect the CFPB to correct their errors because they never read the complaint just jail it or their employees may speak some English but evidently do not comprehend it?
Product: Credit reporting or other personal consumer reports

I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following item was opened fraudulently and is not authorized by me : Account : ( XXXX  Account Number : XXXX ) Inquiries : ( XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove this fraudulent item within XXXX BUSINESS DAYS of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which may include but are not limited to the following : XXXX. Defamation of character XXXX. Negligent facilitation of identity fraud XXXX. Violations of the Fair Credit Reporting Act XXXX. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) XXXX. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) XXXX. Failure to comply with 15 U.S.C. 1692 ( g ) XXXX. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports XXXX. Violations of the method of verification ( 15 U.S.C. 1681i ( 7 ) ) 9. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) 10. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove this fraudulent account from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past six months of this correction. 

Thank you for your immediate attention to this matter. I look forward to your swift response.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hard inquiries 

XXXX XXXX XXXX XXXX XXXX XXXX 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

i have been an active loyal customer since XXXX I have made my payments and always keep healthy credit score however they have lowered my credit score so many times XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX , now again XXXX to XXXX $ this has made a drastic impact on my credit score of XXXX points over time. I feel like its unfair i use my card any make my payments as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have SEVERAL addresses in Texas and I have NEVER EVER lived in Texas. They also have my ex-husband 's current address as MINE and again I HAVE NEVER LIVED THERE!
Product: Credit card or prepaid card

I have had an account for ten years with XXXX XXXX XXXX which was bought out by Capital One a couple of years ago. I have always made my payment on time and done so by accessing my account via the internet. 

Last year ( XXXX ) I filed bankruptcy on a company that I had, but did not include my XXXX account for several reasons ; 1 ) I have the motorcycle with a small balance I needed to keep, and 2 ) There is a co-signer on this account. 

This account was started with the purchase of my motorcycle ( XXXX XXXX XXXX ) and for some reason it was put on a credit card with an additional {$10000.00} credit limit. I never did understand why it was done this way. 

During and after my bankruptcy last year, I have continued to make my payments! 
Sometime around XXXX of XXXX I was no longer able to access my account via the internet, nor have I received any statements regarding my account and have not idea how my payments are being applied. 

I have called them ( Capital One ) every month and all I get is the same none sense. Basically, No one seems to know what is going on. I was finally given an email address to send my request to ( XXXX ) They have refused to give me the payoff amount on my motorcycle of witch they have the pink slip and refuse to cooperate in any way other than they to seem to have no problem cashing my checks. 

I look forward to your help! 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX, XXXX XXXX, BARCLAYS, XXXX, I sent a LEGAL Notarized affidavit disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), to Provide physical verification of the original signed consumer contract. I demanded to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal
Product: Credit reporting or other personal consumer reports

CARMAX AUTO FINANCE Account # XXXX I hope this letter finds you well. I am writing to respectfully request a goodwill adjustment to my credit report concerning a few late payments on my account XXXX, which has been paid off and closed. 

I have been a valued customer of CARMAX for 8 years and have always aimed to maintain a strong payment history. Unfortunately, due to financial hardship, I experienced temporary difficulties which led to the late payments on this account. 

Since then, I have made every effort to rectify the situation and ensure that all my financial obligations are met in a timely manner. I am pleased to confirm that this account is now fully paid and closed, and I have taken steps to avoid similar issues in the future. 

Given my overall positive payment history and the fact that the account is now settled, I kindly request that you consider removing the late payment records from my credit file as a gesture of goodwill. I believe this adjustment will better reflect my commitment to responsible credit management.
Product: Student loan

Loan has been fully discharged by the US Department of Education XX/XX/2023 yet is still carried as Open with Delinquencies by XXXX and XXXX credit bureaus. 
Information cleared on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being ignore after attempts to have inaccurate information removed from my credit report. I have provided Experian with clear evidence and facts of this inaccuracy.
Product: Checking or savings account

Ordered flowers on their website XXXX on XX/XX/2023 order XXXX for {$130.00}. All I received was an emailed receipt. They took the money out of my bank account via my debit card and never delivered the flowers. I called both numbers listed and the phone rang and rang, and no one picked up and I got a voice message claiming voicemail was full and it hung up. Second number I called I got no answer at all and it disconnected me! I then called US Bank to try to stop the payment and she said they could not and has to dispute the charge. She then filed the dispute her name was XXXX. Complaint XXXX. This website and those running it are committing fraud and I want this complaint shared with the FTC, FBI Cybersecurity unit and IL and Oregon Attorney Generals offices!!!