23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago, someone filled federal taxes in my name, which now requires me to use an IRS issued identification number to file my taxes. Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when i pulled my credit report on XX/XX/2023. I pulled my credit because I am interested in pursuing my XXXX XXXX & wanted to apply for FAFSA ( federal aid ). I figured to check my credit before applying for federal student aid. I have filed a dispute with Equifax, XXXX, and XXXX. 

All of the information ( credit reports, Identify Theft Victim 's Complaint and Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report, in which the accounts listed in the documents that start with 'Exhibit to FTC Affidavit Page ... ', are fraudulent. 

What boggles me is that I have fraud alerts ( freezes ), on my reports. However, lately ( within the past few months ), i've been receiving weird, unknown calls.
Product: Credit card

Dear CFPB Team, I am submitting this complaint to address unreasonable APR practices and non-responsiveness from [ Issuer Name : ChaseXXXX ] regarding my repeated requests for an interest rate adjustment. These actions appear to disregard consumer rights under the Equal Credit Opportunity Act ( ECOA ) and fail to align with competitive industry standards. 

Issue Description : Excessively High APR : My current APR of [ e.g., 28.24 % for Chase or 22.99 % for XXXX ] is unreasonably high given my excellent payment history and competitive market conditions. 
For example, XXXX XXXX recently adjusted my APR to 9.99 %, recognizing my responsible credit usage and financial history. 
Non-Compliance with ECOA : Despite my multiple requests for an APR reduction, [ Issuer Name ] has refused to adjust my rate or provide a clear written explanation under the ECOA.

Lack of Transparency : Customer service representatives have failed to explain the criteria used for APR determinations, leaving me without recourse to address the issue effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORTING AGENCIES VIOLATED " FCRA '' SECTION 607 AND 609 REPORTING INCORRECT DATA OF ACCOUNT STATUS ... .PUBLIC RECORDS NEVER HAD ANY BANKRUPTCY AND ALL OTHER ACCOUNTS " PAID IN FULL '' / NEVER LATE ... .ACCOUNTS HAS {$0.00} BALANCE : " XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX '' ... ... NOTE : TRANSUNION FILE # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Do not know anything about collection however it has been placed on my credit reports without proper notification or verification
Product: Credit reporting or other personal consumer reports

These accounts from Affirm are fraudulent accounts and are not mine. Please remove ALL fraudulent accounts listed from my credit report. Accounts to be removed : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Debt collection

I had an account, for a family plan, with the company XXXX XXXX XXXX for about 16 years. I was forced to cancel it when we moved and could not get any reception.The technical service department was informed on numerous occasions but they were unable to resolve the issue. Not having a land line and only relying on our cellphones this lack of service became a true inconvenience for my family & I. Therefore, I called to cancel my account before the next payment roll began. Now this company is forcing me to pay a cancellation fee based on a renewal of contract done with the purchase of a phone. I was never informed of this renewal when the cellphone was purchased nor when I called to cancel my account. I never signed anything when the phone was purchased as I paid its full amount in cash, therefore, a payment was never set in place in order to have had a contract renewal. This cancellation fee has rolled over into collections and it is now impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is doing illegal acts to my credit report. I did everything to show them my hard inquiries off my report over fraud. I sent them fcra 609, 611 and a 625 request to investigate my credit freeze letting in creditors into my file. This 8s illegal. I want my 2 hard inquireys off my credit file.
Product: Credit reporting

Disputed public judgement on credit report. Confirmed with attorney that judgement was against a property ( " in rem '' ), not myself personally. Boilerplate response from Equifax.
Product: Credit reporting or other personal consumer reports

on the Experian website. XX/XX/XXXXexperian.com I look at my report. I saw help your credit by adding a new card. With no worries about a ding in your credit report if you do not qualify. 

Well, I took their word and applied, I didn't get approved for the exact card but I did for others. I denied the offer, because it wasn't a very good one. With in a minute I got a text from wallethub, and hard inquiry was reported on my credit. 
It dropped my score, and will remain on my account until XXXX ofXX/XX/XXXX I want this corrected. If it was honest about it affecting my score, I would have never attempted it. 

I have worked hard for XX/XX/XXXX years to fix my credit. This was attempt to continue it, but Experian Lied with false advertising they allowed on their website. 
If I knew how to files charges I would, I will be looking into it. Suing or whatever I may be able to do.
Product: Debt collection

On XXXXXXXX XXXX 2023 I downloaded the XXXX XXXX app to check on the accuracy of my credit report and discovered I had a hard inquiry and an auto loan from Capital One Auto Finance being reported. I have never applied for an auto loan with Capital One Auto Finance, nor have I never received any money from Capital One Auto Finance. This has to be some kind of mistake or someone has committed fraud, because I have never received an auto loan from Capital One Auto Finance.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, there are inaccurate accounts reporting on mine. I have no idea why so please check the documents I've sent.
Product: Credit reporting or other personal consumer reports

Big ( Business Information Group ) Client Code : XXXX Report # XXXX Your letter/email from XXXX, per XXXX XXXX, dated XX/XX/XXXX XXXX email stated that I can dispute XXXX XXXX XXXX XXXX, XXXX XXXX XXXX as XXXX address on my file because it was/is on material from a previous application from XX/XX/XXXX - XX/XX/XXXX. 

You are reporting information that is inaccurate, and you state that I can't dispute, yet your letter dated XX/XX/XXXX, states " I have the right to request a description of the procedures used to determine the accuracy and completeness of the information, including business name and address of any furnisher of information .... it also states " I must request, furnish notification that the item has been modified or deleted and that I have a right to dispute inaccurate information on the XXXX files, under the FCRA XXXX XXXX XXXX. 

Please review, investigate and verify ( by humans ) the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX... XXXX from my file, not my address XXXX Meadowoods Pl XXXX XXXX XXXX... delete from my file, not my address Bankruptcy ( Credit )... 
Docket # XXXX ... XXXX from my file, its not on XXXX XXXX, Docket # XXXX ... XXXX from my file, its not on XXXX file XXXX # XXXX ... XXXX from my file, its not on XXXX file ... XXXX I have no need to contact XXXX because they are not reporting this. 

XXXX XXXX... XXXX from my file, its not on XXXX XXXX XXXX XXXXr ... XXXX from my file, its not on XXXX file XXXX ... XXXX from my file, its not on XXXX Hard Inquiries : XXXX DOES NOT HAVE THESE INQUIRIES ON MY FILE, SO PLEASE DELETE> XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Through mail received unwarranted chase bank debit card with my name partially on it ( lacking the last few letters of last name ). Calls received from chase asking if I had any problems with the card. Then follow up call to cancel fraudulent account with no end in sight. I gave the unwarranted representation of chase no information at any time or during short phone calls
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that XXXX, XXXX, transunion will investigate this account further for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Became over 30 days past due on my mortgage loan. Wanted to make a payment online through the bank 's internet portal, which does not carry a fee - but was restricted from doing so due to the past due status. Called in to make the missed payment and was assessed a {$15.00} fee for doing so. Blocking delinquent customers from free payment options and forcing a {$15.00} fee on them for essentially the same service with an agent - with no other free electronic payment options - strikes me as the imposition of an additional late charge beyond what the contract allowed for. 

Additionally, the bank offered a payment plan to allow me to cure the debt over time, which I appreciate. However, each installment under this plan will also be charged a {$15.00} processing fee, which seems again like the imposition of additional fees for customers experiencing hardship. I have agreed to these terms because I want to cure the delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I do not recall these inquiries and request removal or supply supporting document as required by Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. 

I have reached out to all of the companies within this list via certified mail and received no response : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please provide any application supporting this inquires.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXXXX*********** Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX  # XXXX Account XXXX : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Subject : Incorrect Reporting of Business Credit Card Information on Personal Credit Report Date : XX/XX/2024 To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding an issue with my personal credit report. It has come to my attention that a business credit card account, which is solely associated with my business, has been inaccurately reported on my personal credit report, negatively affecting my credit score. 

Details of the Discrepancy : Business Credit Card Issuer : JPMCB CARD Account Number ( last four digits ) : XXXX Account Status : 60 days past due as of XX/XX/2024, XX/XX/2024, XX/XX/2024 - 30 days past due as of XX/XX/2024 Personal Credit Report Affected : Credit Bureau ( XXXX ) Reporting Incorrect Information : XXXX, XXXX, XXXX Date of Report : XX/XX/2024 The account in question was opened for business purposes only, and it was not meant to be reflected on my personal credit report. As the credit card is under the businesss name and tax identification number ( TIN ), I believe it is a clear violation of my rights for this business debt to be reported on my personal credit file. 

I have attempted to resolve this issue with XXXX directly, but have not received a satisfactory resolution. I have also provided them with documentation to support that this is a business credit account, including my business registration details, and the request to remove the account from my personal credit report. 

I am requesting that the Consumer Financial Protection Bureau assist in the following actions : Investigate the erroneous reporting of the business credit card account on my personal credit report. 
Work with the credit bureaus and the credit card issuer to ensure that this information is removed from my personal credit file. 
Ensure that the credit card issuer is in compliance with relevant laws and regulations regarding the reporting of business accounts to personal credit reports. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution of this issue. Please contact me at XXXX or XXXX should you require any further information.
Product: Debt collection

Today XX/XX/XXXX I was called from a company named XXXX XXXX XXXX XXXX that identified themselves as a bill collector and stated that I had an account in XXXX that was paid up until XXXX. I explained that the company did not sound familiar to me and that I have never received any mail or corespondents from the company. The person that I spoke to threatened to take me to court if I did not make arrangements on the account. They were unable to tell me what kind of credit card it was. All she said was that it was from MBNA, I asked if she would be able to send me info via email from MBNA but it was never received. I feel that this company is fraudulent and makes scam calls.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : Purchased {$2100.00} Western Union Financial Services Money Orders at XXXX XXXX in XXXX TN. 3-Money Orders were issued to me in the denominations of $ XXXX + $ XXXX + {$150.00}. 

XX/XX/XXXX : I addressed the money orders to XXXX ( my mortgage company ) to pay my mortgage for XX/XX/XXXX. The money orders were mailed via First Class US Postal Service to XXXX XXXX XXXX, XXXX RI XXXX XX/XX/XXXX : My mortgage company, XXXX ( bank ) contacted me that I have not paid my XX/XX/XXXX mortgage. I called Western Union Financial Services toll-free number and was told to send {$15.00} fee to get a copy of the front and back of the paid money orders. I paid the fee but Western Union Financial Services sent me 1-copy ( out of 3-Money Orders. I have to pay extra {$30.00} to get the other 2-money orders. It now that I noticed that the 3-Money Orders were ALTERED and the receipient is now " XXXX of XXXX XXXX '' . 
XX/XX/XXXX : I copies of the Western Union Money Orders to my mortgage company, XXXX XXXX Chairman Office who DENIED that XXXX XXXX ever received OR cashed the Western Union money orders. 

XX/XX/XXXX : I sent a letter to Western Union Financial Services via a U S Postal Services CERTIFIED MAIL requesting for a FRAUD INVESTIGATION. 

As at today XX/XX/XXXX I have not received a response from Western Union Financial Services regarding my XX/XX/XXXX letter.
Product: Credit reporting or other personal consumer reports

All this information on my credit report is inaccurate I did a dispute with the bbb better business bureau and they deleted ALL MY COLLECTION ON XXXX, Experian and XXXX this report showing its still there PLEASE DELETE THIS INACCURATE information THANK YOU
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I asked for my payment to be spilt, {$150.00} in the lesser due account and {$250.00} in the higher balances account. I got crickets. They did not respond to my request. 
This morning I ask why that didnt happen and they told me because I didnt tell them. 
I told the to take it up with the CFPB as I have filed a complaint. Then they actually started trying to help me.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

Hello, On the week of XX/XX/XXXX, I had XXXX $ Wiped from my account on Wells Fargo. XXXX $ was done through my debit card using XXXX XXXX, and the other XXXX $ was from XXXX. My roommate who had access through my phone, knowing my password and also had her XXXX XXXX in my phone as well, got into my accounts and sent all of the money to people she knew. I instantly called Wells Fargo once she left and left me a note, I filed claims. My claim for XXXX, and a separate claim through XXXX, which I was told I would be getting the full amount back as soon as the transactions posted, and was never told I needed to file a separate claim for the XXXX transactions. After about a week, I got an email saying that my claim was APPROVED for the debit card transactions. When money is sent on XXXX XXXX, you must use a XXXX XXXX. I call back today XXXX to get a check up on the XXXX transactions. They said the claim was denied because XXXXXXXX XXXX was used to log in. This makes no sense because they approved one claim when XXXX XXXX was used and not the other. She had her XXXX XXXX  in my phone so she could access anything. I want my XXXX $ back and this to be reversed, this is not fair to approve one and deny the other.
Product: Debt collection

LAW OFFICES OF LES ZIEVE contacted me in XXXX of XXXX stating it was a debt collector who was attempting to collect a debt. The documentation ZIEVE sent by mail ( see attachment ) clearly indicates it is a debt collector attempting to collect a debt. 
Require ZIEVE to describe the debt that it was attempting to collect, i.e. : line of credit, conventional loan or other. If ZIEVE was not collecting a debt, explain why it 's document states otherwise and to state for the record that it was not attempting to collect a debt as it 's document leads consumers to believe. 

I have sent a previous complaint to ZIEVE in which it 's agency has given a general statement and has failed to answer if it was or was not a debt collector involving the attachment it sent. 

I am not a party to a lawsuit and request that the complaint is posted for public viewing.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and removed from my credit : XXXX  XXXX {$520.00} XXXX update to never late XXXX  {$820.00} XXXX Remove acct XXXX  XXXX  {$0.00} XXXX remove acct XXXX XXXX  {$0.00} XXXX remove acct Integra XXXX {$0.00} XXXX remove acct Dept Of ED {$0.00} XX/XX/XXXX - update to never late Dept Of ED {$0.00} XXXX update to never late Dept Of ED {$0.00} XXXX update to never late Dept Of Ed $ XXXX update to never late Dept of Ed $ XXXX update to never late XXXX XXXX {$500.00} XX/XX/XXXX - Remove acct XXXX XXXX {$480.00} XXXX remove acct XXXX XXXX {$820.00} XXXX XXXX acct XXXX XXXX  XXXX XXXX {$9800.00} XXXX XXXX acct XXXXXXXX XXXX  XXXX {$520.00} XXXX XXXX acct XXXXXXXX XXXX XXXXXXXX {$520.00} XXXX remove acct XXXXXXXX XXXX XXXXXXXX {$660.00} XXXX remove acct XXXX  {$130.00} XXXX remove acct XXXX XXXX remove inquiry XXXX XXXX XXXX XXXX XXXX XXXX remove inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts appearing on my credit report are fraudulent : XXXX XXXX XXXX XX/XX/XXXX {$1000.00}, COMENITYBANK/XXXX  XXXX  XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$3600.00} I reached out to the XXXX, XXXX and XXXX  credit bureaus several times .The last correspondence was XX/XX/XXXX. I have received no valid response.