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

My identity was stolen. I contacted capital one to inform them to freeze all transactions on the account. They allowed transactions to be posted after the account was frozen. They do not send me physical statements in the mail. They disabled my online account access which prevents me from seeing my statements. They also charged me interest on accounts and dinged my credit report.
Product: Credit reporting or other personal consumer reports

i have disputed accounts on my report that should not be there. when i disputed them i gave specific instructions that the only actual way to verify those accounts are my responsibility is to have the original contracts bearing my wet ink signature produced and if that could not be done then those accounts can not be on my report. this was ignored and the accounts remain. i disputed with experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached information as I am disputing the inaccuracies as seen on all three reports.
Product: Credit reporting or other personal consumer reports

I send a certified letter XXXX XXXX I ask the Bruere to investigate my account. it came back verified which by 15 US code 1681 sub chapter 3 says rules of construction whole an interview with family friends and people who know me. I need to know who they verified it with. Every thing has to be 100 %  accurate her is my credit report please delete this accounts XXXX us  Bankruptcy court case or ID # XXXX and XXXX XXXX XXXX ID # XXXX
Product: Credit reporting or other personal consumer reports

It appears that FCRA 605B necessitates the removal of incorrect accounts from my credit report. Can you verify the documents? Some accounts listed have reporting errors, wrong amounts, and incorrect dates.
Product: Debt collection

A company that goes by the name of Transworld Systems Inc. has been calling me repeatedly for the past two months, usually XXXX a day. I only answered the call XXXX and the representative I spoke with was attempting to collect an alleged debt owed to XXXX XXXX. I refused to give them any personal information and contacted XXXX directly. As I suspected, I owed no balance to XXXX XXXX never have ) and was not on any " do not rent '' lists. The representative I spoke with at XXXX was concerned because they said they have received multiple calls from other customers who were made to believe they owed a debt that they did not owe. I am concerned because I did rent a car from XXXX last year, so I am lead to believe that somehow Transworld has hacked XXXX system to get names of renters or obtained personal information about me from XXXX somehow.
Product: Credit card

Clearly this is a system, SOP, trained behavior on Best-Buys part as several associates say that this is their normal procedure. Normal corporate procedure is trained, and encouraged, and management that has been with the company has said this is always how we do it. Best Buy has damaged my credit, refuses to take ownership for their part in predatory lending with advertising 24-48 months no interest around the holidays. Citibank puts it through, and ruins people credit to get the sales done for Besy-Buy only to blame the consumer for the purchases. What exactly is this agency supposed to do???? - clearly lying and predatory lending behavior should be kept in check. It appears, however, that they are either funded, employed, given cart XXXX to close out cases - when the case is clearly not resolved from the customers perspective - nor communication between the CFPB and the consumer regarding the case. There are other avenues for consumers whom have been wronged by business schemes, lending schemes, and lying to customers to get a sale. Cameras and listening devices are everywhere. So if they think that consumers dont know that - all that information is public information and can be requested under several freedom of information acts. As a consumer I think the CFPB is not looking out for the customers best interest. Clearly this could be a simple case to resolve, However, they choose to let the bank make the decision and close out the case. What are they then actually going to help the customer. It is now XXXX and the charge was around XX/XX/year>. Each day goes by credit rating drop. However, I am sure that the sales rep at Best Buy, and the manager have gotten their bonuses based on sales. Predatory sales through their customary, trained, SOPs in urging customers to put the sales though, and they will automically raise credit. In Summary, Best -Buy encourages and trains for predatory lending by retailers with promotional credit cards on the holidays only to get the sale, and then ditch the support. The banks say it is not them. The CFPB allows banks to respond and close cases without communication with the CFPB and the consumer. What is the CFPB actually do if not to protect customers from predatory lending or gaps between retailer and credit card companies. Because this case illustrates predatory lending and the loopholes companies use against consumers this will be submitted for review with several other federal oversight agencies to include the XXXX XXXX
Product: Mortgage

The loan was approved for a trial modification while the XXXX law Firm was representing XXXX and XXXX XXXX for a loan modification in XXXX of XXXX. Thereafter, XXXX and XXXX XXXX made all of the trial modification payments and has continued to do so and SLS has accepted the payments. Unbeknownst to XXXX and XXXX XXXX, the permanent modification was allegedly sent to XXXX XXXX XXXX XXXX # XXXX, an address that was not listed anywhere in the RMA or application for assistance nor did the XXXX XXXX XXXX request for documents to be sent to this address. Additionally, the XXXX specifically requested assistance on the primary residence and listed the mailing address for the subject property of XXXX XXXX XXXX XXXX XXXX, FL XXXX. On XXXX XXXX, XXXX, the XXXX Law Firm contacted SLS to inquire as to the status of the permanent loan modification. IN response, on XXXX XXXX, XXXX, XXXX informed our firm that the permanent documents were sent to the alleged address provided by the borrowers and that the loan modification was being rescinded. We have attempted to ask SlS to re-open the modification and comply with the terms and conditions of same. However, SlS refused to comply with the offer and now wants our clients to begin the process from scratch. As the failure to timely submit the loan modification back to the lender was due to the fact that our clients did not receive a copy of the modification until the modification was sent to our firm, SLS must be required to finalize this loan modification.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I've got a job offer and the company ask me to wire them money for necessary equipments for the job. They were scammers and I contacted the bank ( JPMorgan Chase ) to cancel the payment but they told me to call back once the payment is posted. So I called back this morning once it was posted and now the bank is telling me that there is nothing they can do. The scammers will not receive my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act all account list below, has violated my rights. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXXXXXXX**** Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at
Product: Checking or savings account

I have tried to open a bank account for over a year now and all the banks have told me that because of my XXXX file I'm not able to open an account. I have received my file via mail but I still don't understand what a XXXX is or why I can't do one of the many basic needs. The last bank I went to was XXXX XXXX XXXX and they helped me find the website to get my file but there is no working number to speak to someone about my file.
Product: Credit reporting or other personal consumer reports

For one, there is information on that I used to live in XXXX XXXX. When I have never lived in New Jersey. 
Secondly the report said there was an adverse report from the state of XXXX and there shouldn't be anything there. Especially since I had just moved there. 

I asked them to look into it and they repeatedly declined. I also asked for a copy of my report, since I accidentally deleted it and they refused repeatedly. 

This company is extremely unprofessional and people should be aware.. Use another background check company
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened with XXXX XXXX on XX/XX/year>, 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 item. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( 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: Debt collection

Caine & XXXX continue to send an account with my name on it to collections affecting my credit score and the amount I owe keeps changing the most recent was {$660.00} and but just a couple months ago it's was {$230.00} which makes no sense and they have yet to contact me in any form at all and I believe this a very unprofessional way to conduct business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out the letter showing below : I have a copy of my credit report in my hand, and I just went through it because my lender told me that I could get one for free. So I took a chance and got my credit report since I have not reviewed it in such a long time. O-sorry, let me get back to the point. I like to talk a lot some times. I was looking at my report and noticed a problem.. Let me tell you the problem. 

Account Incorrectly Reporting open Account DELETE IT XXXX XXXX XXXX XXXX  Please fix, correct or delete these problems, because they are really hurting my credit score. Im not that good at writing letters and I thought if I wrote your company, you guys would help me. I will be grateful if you can fix this issue for me. 
When can I expect a response to my inquiry and a resolution to this issue? 
Thank you in advance for your help. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I spoke with the lender on XX/XX/2023, about doing a soft credit pull before I started completing the loan application. The mortgage lender agreed that he was only going to do a soft pull. I completed the application on XX/XX/XXXX and discovered that the lender lied and pulled a hard pull on my credit. I called the lender immediately once I found out. The lender said he don't recall us having the conversation about just doing a soft pull on my credit. He showed no remorse. I called the bank the next day and spoke with the manager and was told they was going to take care of it and pair me with a new lender, and yet I still haven't heard back from the bank.
Product: Credit reporting or other personal consumer reports

Ive disputed with Trans Union, the deceptive collection account from XXXX XXXX XXXX alleging i owe debts in the amounts of {$190.00} and {$260.00} being reported on my Trans Union credit report. Ive requested Trans union and the collection company to verify I owe such alleged debt, it has been well over 30 days for trans union to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit reeport immediately. it is Transunion responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) and they have failed in doing so. Transunion, Is violating the FCRA and if they fail to delete this inaccurate information from my credit file, they must be held liable per 15 usc 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and have noticed some items that I did not authorize. I have done some research and have supplied you with all the documents necessary to have these accounts and inquiries removed from my consumer report. Please view the attachments and investigate these accounts thoroughly.
Product: Credit reporting or other personal consumer reports

ILLEGAL REPORTING OF INCOME ON MY CREDIT REPORT, no INCOME IS ALLOWED TO BE REPORTED ON A CREDIT REPORT The IRS generally considers canceled debt of { {$600.00} } or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over { {$600.00} } which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or supposed to be a factor within a credit report. IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME, IT CAN'T BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSED TO BE! WHEN A CHARGE-OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE-OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE-OFFS OVER { {$600.00} } DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! I have also filed a 1099-c on XX/XX/2023 which was accepted by the Irs and then mailed to XXXX, which I have submitted here. Please immediately delete the following account immediately from my credit report! XXXXXXXX XXXX XXXX CHARGE OFF FOR { {$4900.00} }
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has an account listed on my credit report that is a fraudulent account. I never signed up for an account with this company. It is negatively affecting my credit, thus affecting my ability to provide a better life for myself and my children. After speaking with the company they continue to allow the information to be on my report. This account is not listed on either of my credit reports with XXXX  or XXXX.
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, Account name : XX/XX/XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XX/XX/XXXX # XXXX, Account name : OFFICE OF THE ATTY 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 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: Bank account or service

I was making a small purchase with my PayPal account, when the product I bought was defective, so I logged into my PayPal account to submit a complaint to the company I purchased it. From there I noticed my PayPal Credit ( which I never wanted ) had a large balance, {$1400.00}, as I looked into it, someone was able to rack up that amount in gift cards back in XXXX ... I never any type of notification or phone call from PayPal about these transactions that all happened on the same day.
Product: Money transfer, virtual currency, or money service

On the XX/XX/2022 at around XXXXXXXX XXXX XXXXXXXX, I went to cash a few checks at Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 

The total of the checks were around {$1700.00}. However, the teller only gave me {$1400.00}. 

During the transaction, there was a check for {$220.00} that he failed to cash, and he stated that he will try it again. I didn't see anything wrong, and when I was done, I left. When I left, I noticed that the total didn't add up to {$1700.00}, so I contacted the bank. 

I came back, and the manager told me that the check has already been cashed. The manager also said that the check was cashed after I had left. In other words, the teller stole my money. 

Since then, I contacted the bank manager ( XXXX ), but since he was going on vacation, he said he will have his assistant manager call me ( XXXX ). 

It has been over a month, and now they are asking for more proofs. 

What proof is there to be given when they have the security footage? They acknowledge that theft had occurred by one of their tellers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions.
Product: Debt collection

XXXX XXXX XXXXXXXX AND EQUIFAX HAVE AN UNSPOKEN AGREEMNET TO COMMIT COLLECTION FRAUD, BY ALLOWING THEM TO REPORT DUPLICATED COLLECTION ACCOUNT.
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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove 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.

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

XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$700.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX 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 or other personal consumer reports

XX/XX/2023, Citi reported 30 days late. XX/XX/XXXX, called Citi, promised to delete 30 days from CB. XX/XX/XXXX, disputed w/XXXX  # XXXX. Rec letter from Citi remove over credit limit acct XXXX. XX/XX/XXXX, ACH payment XXXX uploaded letter to Citi XXXX XX/XX/XXXX, credit line was deleted marked paid in full. filed dispute # XXXX w/XXXX, called Citi, promised to correct info, reported closed card end XXXX. The correct card ends XXXX its active, paid on time. Spoke to XXXX, figured out acct numbers were wrong. XX/XX/XXXX, disputed w/XXXX  # XXXX account was put back on report with 30 day late remained on file. Received a letter from Citi stating they may have given me incorrect information apologizing for the inconvenience. XX/XX/XXXX, called XXXX and Citi, asking status, why 30 day late remained on file. Credit score dropped, reporting most recent account is 1 month old. XXXX  XXXX XXXX lowered my credit limit due to recent info reported. My Credit score was XXXX dropped to XXXX. I uploaded proof of XXXX payment, letters from Citi with discrepancies, inaccurate account numbers on every letter from Citi. Credit was denied, spent hours on the phone. Citi ref