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

My ex wife opened a fraudulent credit card in my name and funded it with her checking account. I have already tried to resolve this issue with Discover Bank to which I have been unsuccessful. My next step is to contact an attorney to sue Discover Bank for breaking the law.
Product: Mortgage

Chase bank refuses to let me apply for a mortgage claim theyve ended banking relationship with me but thats not what I was told I was told they ended the deposit relationship but that I can still have other products with this bank such as mortgage credit cards just no deposit such as checking accounts with them but I was shocked to have called them and they treated me awful telling me that I cant get anything
Product: Debt collection

I reviewed my credit report and found accounts that don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with CFPB on XX/XX/2018 in regards to a bankruptcy reporting on my Equifax file ... Equifax responded to me stating they had reviewed the information in case # XXXX and that the bankruptcy is currently reporting correctly if I have additional questions to contact XXXX XXXX XXXX XXXX I did contact the court and they confirmed they DO NOT and HAVE NOT reported and bankruptcy information to Equifax or any other credit reporting agency they also said they didnt received any request from Equifax to confirm or verify anything in regards to me ... .Equifax also listed XXXX XXXX XXXX I contacted them as will with the same response XXXX XXXX also confirmed to me that I file with them is suspended due to previous fraud alert this no information on me would be released to Equifax
Product: Credit reporting or other personal consumer reports

I told the company that I never cave authorization to put anything on my credit report along with Ive never did business with them
Product: Checking or savings account

From XX/XX/XXXX to XX/XX/XXXX : Funds of {$49.00} withdraws by Company name as appeared on bank statement " XXXX XXXX XXXX XXXX XXXX '' From XX/XX/XXXX to XX/XX/XXXX SAME COMPANY Funds of {$49.00} withdraws by Company name as appeared on bank statement " XXXX XXXX  " Since last 5 years they are taking about same amount from by business checking account. 
Please, do the NEEDFUL for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2024. To remove XXXX XXXX XXXX Information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. 
These are clear violations of my federally proceed consumer rights.

According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. These are clear violations of my federally proceed consumer rights 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.
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 USC1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681 C- ( 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 7 years.

15 U.S.C 1681 S-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 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. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$78000.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$12000.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}
Product: Vehicle loan or lease

I leased aXX/XX/XXXX XXXX in XX/XX/XXXX. I traded the XXXX in to a non-XXXX  dealer in XX/XX/XXXX because it had been in the shop for more than one month. I called Honda and got a 10 day payoff. The money was sent to Honda. Honda then added an improper {$350.00} turn in fee to my account afterward. I called my selling dealer ( Honda 's agent ) that did the paperwork, and they told me ( as they did when I originally entered into the lease ) that the fee was only appropriate when I turned the car back into a XXXX dealer to mitigate Honda 's  expenses in having to dispose of the car. I did not turn the car back in to a XXXX dealer and Honda bore no disposal expenses. I next called Honda Financial Services, which offers the most abysmal customer service and hold times of any company I have ever dealt with. They told me that the fee went to the dealer and the dealer could waive the fee at its discretion. They made me pay the {$350.00} fee, which I did. I next called the dealer and was told that they never get any turn in fee or {$350.00} back and they have no way to waive the fee in any way. I next asked Honda for arbitration and was told I had to contact the XXXX XXXX XXXX to initiate a case. I contacted the XXXX, and was told I am required to pay for the arbitration necessary to dispute the fee. Please assist me with this ... XXXX XXXX seriously is the worst company ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my credit report only to find out that someone has opened a XXXX XXXX XXXX  charge account. That was opened on XX/XX/2022. This is not my credit card account. Someone is using my identity to obtain good and or services without permission from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is the only credit bureau that is reporting this old account that Im not even responsible for. That has been confirmed with XXXX XXXXXXXX XXXX The account is just sitting on my transunion account and it hasnt reported since 2016. I called transunion but theyre are just not complying with me. So I would love the help from consumer finance protection bureau.
Product: Credit reporting or other personal consumer reports

I did not approve these inquiries, and they hold no relevance to me. Kindly remove them from my credit report immediately.
Product: Mortgage

After filing a complaint with this office, ( # XXXX-XXXX  ) 5th 3rd bank retaliated against me by filing a report with the Sheriff 's office against me and my wife. We were contacted by Deputy XXXX  Of the XXXX County Sheriff 's Office ( XXXX ) on behalf of 5th 3rd and told to not contact the bank again for anything under threat of arrest. The XXXX stated all contact must go thru the CFPB since this is where the complaint was filed. I should not be subjected to segregation or discrimination for making a discrimination complaint with this agency.
Product: Credit reporting or other personal consumer reports

In Regards to an automobile loan account on my consumer report with XXXX XXXX XXXX. 

I am writing to assert my privacy rights. The law requires consumer reporting agencies to respect privacy of consumers. My privacy and rights are being violated. I have not consented to the reporting of this information. This is my private data and reporting this for income or business use is fraud 18 usc 1341. And a violation of 15 usc 1681a2ai, 15 usc 1681ba2, 15 usc 1681i,15 usc 1681 s-2. 

This is also a violation of tax code and multiple state laws in which XXXX, XXXX and Equifax are in violation. 


The Pennsylvania Fair Debt Collection Practices Act The Pennsylvania  XXXX Services Consumer Privacy Act Personally Identifiable Information Protection Act The Pennsylvania Fair Credit Reporting Act Section 4120 of Title 18 of the Pennsylvania Statutes These violation are both civil and criminal and far outway any benefit of trying to collect this debt. I have never given written instruction to report this information and any implied consent is hereby taken away. My rights will be respected or i will pursue legal action. With all applicable legal entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I had sent a letter to XXXX XXXX in regards to an account that was on my consumer file under my name. In this letter I was requesting that XXXX XXXX provide me with the alleged physical verification of the original signed contract between myself and their company. I received a response stating that my letter was unclear, and they did not know what I was asking for ( copies of all correspondences will be included in this complaint ). I then sent XXXX XXXX a letter on XX/XX/2020 reiterating that I was requesting proof of an alleged account being reported to the Credit Bureaus in my name. XXXX XXXX had then responded to that letter stating that they have no way of validating the account as the application process was done online or over the phone. I have never applied for or obtained anything from this company, not in person, over the phone, online, not by fax, postal mail, NOTHING. 

On XX/XX/2020, XX/XX/2020 AND on XX/XX/2020, I wrote to TransUnion, XXXX and XXXX as they have continued to verify this account as accurate. My question would be, how is are these bureaus verifying an account in my name, when the company has already sent me a letter stating that they are unable to verify this account. 

TransUnion, XXXX, and XXXX continue to keep this inaccurate negative information on my credit report after being informed multiple times, WITH PROOF that this account needs to be 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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX. 
Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Current Address ( es ) : XXXX XXXX XXXX XXXX NY XXXX XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 




However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case PLEASE UPDATE MY ACCOUNTS TO PAID ON TIME & REMOVE ALL NEGATIVE ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed some inaccuracies about an account on my credit report. I noticed that XXXX XXXX was reporting some things inaccurately so I sent a letter to XXXX XXXX to verify the account for validation. They sent me a letterhead with verbiage that it belonged to me with no contract or proof that this account belongs to me. As I look at the discrepancies, the account type detail is reporting differently on XXXX as an auto loan and not an installment account. The balance is showing {$3600.00} on XXXX and {$3600.00} on XXXX and Equifax. The terms are 51 months on XXXX, but monthly on XXXX and Equifax. It was last reported on XXXX different dates, XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX, and XX/XX/XXXX on Equifax. The Date of Last Activity is different across all XXXX bureaus, XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX, and XX/XX/XXXX on Equifax. There is also an inconsistency with the way the comments on the account are placed between XXXX and Equifax. I want this account deleted for several reasons. It was very lazy and lack of follow-through on XXXX XXXX for proper debt validation which is a violation to me as a consumer over my request. Also, all three credit bureaus can not report inaccurate information. If all information is coming correctly from XXXX creditor, then why are all three credit bureaus reporting something different? Please delete this account from my Equifax, XXXX, and XXXX credit reports for inaccurate and unfair reporting.
Product: Credit card or prepaid card

I have a loan with BANK OF AMERICA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and BANK OF AMERICA with no successful resolution. XXXX, XXXX and XXXX   were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX
Product: Credit card

Amex continues to decline my request to remove the account which I am no longer an authorized user in the XXXX report. 

I was added as an authorized user originally but the account owner closed the account, so it should not be reported on my credit report any more as I am not financially responsible. I was able to remove these accounts by submitting a dispute to XXXX and XXXX ; however, it did not work for XXXX and XXXX advised me to contact Amex. 

Amex Credit Bureau XXXX kept referring to 'legal reason ' or 'Fair Credit Reporting Act ' as a reason not to remove ; however, I am not aware of any issue like this and I had no issue removing my other accounts where I was added as an authorized user from XXXX and XXXX. Amex even told me to write a letter to their legal counsel if I want to get an exact legal answer and I do not feel this is an appropriate way to handle this simple request. 

Please help me remove this account from my report.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer ( All Around Gymnastic Academy ) and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. I currently have NO money for food, groceries, gas, or scheduled bills that are supposed to come out and this is unacceptable. This has affected mine and thousands of people 's livelihoods. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022
Product: Mortgage

fay servicing llc payments increased from XXXX to XXXX ask company for explanation was told taxes was not paid XXXX - XXXX took loan out XXXX showed proof from tax bureau taxes where paid no response this has been going on for 4 months company investigating 1 payment XXXX being held while investigating not receiving any more was told no late fees or foreclosure would take place call twice a week for 3-4months sent emails, documents given 4 different managers months no return calls no answer to email now given act 91 notice was told owed them XXXX now act 91 fay servicing XXXX they have become a bully 's talking down to me a lots of lies under minding tactic
Product: Credit reporting or other personal consumer reports

Upon reviewing again my Equifax credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I submitted a dispute in regards to inaccurate reporting a charge off by  XXXX  in the amount of {$76.00} and a past due amount of {$76.00} and I asked them to validate the debt belonged to me  XX/XX/XXXX - Disputed this account with Transunion and   XXXX     XX/XX/XXXX - Received an account summary from   XXXX   for dates  XX/XX/XXXX  thru  XX/XX/XXXX   XX/XX/XXXX -I received  XXXX  investigation results showing account updated  XX/XX/XXXX - I received Transunion investigation results showing that the account was updated  XX/XX/XXXX - I sent another letter  XXXX , Transunion and   XXXX   asking that they send me provide me with viable proof that this debt was mine  XX/XX/XXXX -Recieved the same exact letter from them with the account summary from  XXXX  XX/XX/XXXX - Received letter from Transunion stated the account was still being verified as correct and no validation or proof was sent that this debt belongs to me
Product: Credit reporting or other personal consumer reports

I have not initiated any transaction with XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via XXXX XXXX  to First Name, Last Name to the address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Yours Sincerely XXXX XXXX
Product: Debt collection

The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately. 

LVNV FUNDING LLC Last reported XX/XX/XXXX {$410.00} Open balance LVNV FUNDING LLC Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name LVNV FUNDING LLC
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Inquiry XXXX
Product: Credit reporting or other personal consumer reports

Back in XXXXXXXX XXXX XXXX, I noticed this company pulled a hard inquiry on my credit. 
I do NOT know this company, not did I authorize this action. 
For the past 5 months I have been trying to have them either remove the hard inquiry OR to show me proof that I authorized this action. This company has failed to act on either request. 
I am aware of my rights under the Fair Credit Reporting Act, and they are violating these rights. This is my last attempt to resolve this before I take official action.
Product: Checking or savings account

On XX/XX/24 I let someone borrow my phone for a quick second and they sent there selves {$3500.00} on XXXX XXXX