23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

This company debit my account before they day they should have because of a mistake and they drove my account negative and I got charged {$100.00} dollars in over draft fees, I have tired repeatedly to get help but with no luck I keep getting the run around always telling me we we will give you refund but we need to wait until it post to your account once it did post it was not pending I reach back out to them, then they tell me now I need to wait until my bank reverts the charges before they can give me a refund. They only have a chat customer serves and I fell it is just a AI responding because all the answers are in the same format.
Product: Money transfer, virtual currency, or money service

SYMPLE THEY RETAINED MY MONEY FROM IRS WITH EXCUSES OF SCAMMER GOT ACCESS TO BANK ACCOUNT .BUT I HAVE COMMUNICATION OF THAT SCAMMER TRYING TO BLACKMAIL ME WITH OTHER THINGS DONT HAVE ANYTHING TO DO WITH THIS ISSUE ...SO ..THEY DIDNT HAD THE REASON .NOW AS I WARNING THEM... ARE THEY WHOM HAVE TROUBLES .ALREADY I HAD BEEN SUMMITING COMPLAINS IN OTHER FEDERALS AGENCIES RELATE TO PARTS OF THIS CASE .AND I HAVE ALL EVIDENCE. AGAINS ONLY BELIEVES FROM THEIR PART .SO ...PLEASE THIS IS SERIOUS .TAKE FULL ACTION .SHARE THIS TO ALL OTHER AGENCIES RELATED WITH THIS ..LIKE IRS OR GENERAL INSPECTOR OF THE DEPARTMENT OF TRASURE .I AM WATING FOR YOUR ACTION IN  THIS CASE ALREADY .ATT. XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding 7 unauthorized hard inquiries that have been reported on my credit file. These inquiries were made without my knowledge, consent, or any valid contractual agreement, and they violate my consumer rights under federal law. XXXX has had multiple issues with breachs and I need it fixed so I can move on with opportunities that were taken from me. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, hard inquiries may only be made with my written authorization. I have not provided consent for these inquiries, nor have I entered into any agreements with the entities responsible. As such, these inquiries are in violation of the FCRA, which mandates that only authorized and accurate information be reported on my credit file ( 15 U.S.C. 1681e ( b ).

Moreover, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), these unauthorized inquiries constitute a privacy violation, as they were made without my express permission and without a valid contractual relationship. The inclusion of these unauthorized and incorrect inquiries has caused significant harm, damaging my creditworthiness and denying me financial opportunities. The emotional and mental distress caused by this situation has been profound, as I have lost trust in the companies that acted as fiduciaries but failed to uphold their duty to act in good faith. 

I request immediate investigation and removal of these erroneous hard inquiries from my credit report, as they are unlawful, inaccurate, and detrimental to my financial well-being. These inquiries must be removed to ensure the accuracy of my credit report, as required under the FCRA and related consumer protection laws. 

I look forward to your prompt assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my credit report that needs to be removed immediately. I have attached the FTC Report that I filed, cover letter restating the accounts that have been submitted on my FTC Report, along with a screenshot from the FTC.GOV website that states " .... if you have an FTC IDENTITY THEFT REPORT, credit bureaus must honor your request to block this information. '' So, that there is no misunderstanding that the bureaus do not have a choice to not block the information that I have reported fraud on my credit report. If not blocked it is also a violation of 15usc 1681c-2 ( a ).
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX  : {$820.00}, XXXX Date of Inquiry XX/XX/year>, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/year>,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I was made aware that my rights have been violated by the companies I will list below. These companies refuse to follow the laws! 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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 : States a consumer reporting agency can not furnish an account without my written instructions.

These companies are misusing my personal information and by law are violating my rights!
Product: Money transfer, virtual currency, or money service

Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor are the addresses are mine, and I did not authorize these companies to pull my credit.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, 2020 I was sent a text claiming to be my Bank saying I had fraudulent charges. After replying to the text I received a phone call. The number they used was actually my bank 's fraud line, but not actually them. They asked me about " recent charges ''. They stole my social security number and tried to Zelle  {$1000.00} from my account to another account. That other account used a cell number to collect the money which I still have ( XXXX ). After hanging up the phone when I realized something was wrong I called my bank to report all of this. I then called the credit bureaus to report that my social is compromised.
Product: Vehicle loan or lease

On XX/XX/XXXX, Myself and Co-buyer negotiated and entered into the enclosed Retail Installment Contract ( the First Contract ) with XXXX XXXX XXXX XXXX XXXX ( the Dealer ) to purchase a XXXX XXXX XXXX ( the First Vehicle ). Under the First Contract terms, we agreed to pay a total of {$20000.00} in 66 monthly installments of {$300.00} on or before the XXXX of each month, beginning XX/XX/XXXX. The same day, myself and Co-buyer negotiated and entered into the second enclosed Retail Installment Contract ( the Second Contract ) with the same Dealer to purchase a XXXX XXXX XXXX ( the Second Vehicle ). Under the Second Contract terms, we agreed to pay a total of {$17000.00} in 57 monthly installments of {$300.00} on or before the XXXX of each month, beginning XX/XX/XXXX. We also agreed to an Annual Percentage Rate of 22.99 % for the First and Second Contract using Credit Acceptance Corporation to secure the loan. During that time Credit Acceptance Corporation was not in compliance with state filings and other business requirements to conduct business in the state of NJ. Credit Acceptance Corporation Treasurer XXXX XXXX in fact filed a Certificate of Withdrawal with New Jersey Department of Treasury on XX/XX/XXXX hereby terminating the companys license to do business in the state of NJ as of that date. Therefore my loan was fraudulently obtained on XXXX XXXX due to Credit Acceptance Corporation being deceptive and unable to do business legally in state.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Debt collection

A lawyer XXXX XXXX keeps filling civil suits for a debt that was paid over ten years ago. He recently filed a civil law suit on XXXX XXXX, 2016 to harass me for 12 more years. His behavior is not reasonable and neither is the judge who issued the order. I am a student.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XX/XX/XXXX mortgage on XX/XX/XXXX before the 30 day late cutoff. 
XXXX XXXX XXXX  didn't process the payment for 3 days and reported me 30+ days late to my credit report. 
I was NOT 30 days late and have the receipt to prove it. 
I contested this with XXXX XXXX twice and they refused to rectify this for me. 
I was told, verbally, by XXXX XXXX that they would not admit this error and would not change this reporting. 
He also told me that I could go to the reporting agencies and use my proof to get this changed. 
I filed disputes with all three of the agencies and received a finalization notice from Experian today ( XX/XX/XXXX ) stating that XXXX XXXX would yet again NOT accept this even though I submitted my proof.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of a fraudulent items origination and identity theft. This fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 

The following addresses are not mine, and I have never lived at or received mail at these locations : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX : I never worked on these companies XXXX XXXX XXXX AND XXXX XXXX XXXX belong to someone else or similar name XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} Inquiries i did not Authorized 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 XXXXXX/XX/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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Account : ARS Account Balance : XXXX Date : XXXX XXXX XXXX. This account is not mine continues to send letters Account : ARE Account Balance : XXXX Date : XXXX XXXX. This account is also not mines
Product: Student loan

Nelnet sent me an invoice with an outstanding balance of XXXX. I have not applied for any type of student loan as I am not in college. The statement date was for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act USBK Court XXXX XXXX XXXX Docket number XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # starting in XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX have all 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is incorrectly reporting a charged off account where I am shown as an Authorized User with Chase Cards. I have already called Chase to tell them I never gave permission to be on this card and this tradeline was removed from XXXX  and XXXX  but XXXX  has never corrected this reporting error.
Product: Credit reporting or other personal consumer reports

Sent money to old phone number cant deposited reserve or help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XX/XX/XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus involved have NOT actually verified the information but instead have instead used the XXXX system to verify and have refused to remove fraudulent and erroneous information. See attached letters. Please read in detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting or other personal consumer reports

On the credit bureaus that Ive updated accurate addresses and disputed the incorrect addresses and former names. It still shows up that Im still named that or lived there. For the month of XXXX. My identity has been stolen and new accounts opened in a former last name. Then 3 inaccurate addresses two in Florida and one in Texas. Then inaccurate employer. Its like no one out if 3 credit bureaus dont get accurate updated information and its XXXX XXXX Then all these banks and loan companies letting people apply online stealing peoples identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute several fraudulent items on my credit file. As a responsible and conscientious credit payer, it is extremely distressing to see my credit score damaged by fraudulent activities that I did not participate in. I am requesting the immediate removal of these fraudulent items from my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) section 605b. It is my right as a consumer to have an accurate and fair credit report, and these fraudulent items are not only damaging to my credit score, but they are also completely untrue. I have already taken the necessary steps to rectify this situation, including filing an FTC report and notifying the relevant financial institutions. However, these fraudulent items still appear on my credit report, which is unacceptable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I must remind you that failure to remove these fraudulent items from my credit file will be considered a violation of the FCRA, and I will not hesitate to pursue legal action if necessary. I expect a prompt response from your office regarding this matter.
Product: Credit card

My credit line with Capital One is {$5000.00}. I try to keep my balance below XXXX % so it does not affect my credit score. However, that is just about impossible with a business credit card. Therefore, I requested a credit line increase. Capital One denied my request, citing " A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. '' I contacted Capital One this morning for a further understanding/explanation for this denial. The customer service representative, XXXX, stated he was not allowed to provide additional information. His supervisor, XXXX, told me I need to contact the Bureau of Consumer Financial Protection for further information. 
My credit score ranges from XXXX - XXXX. So I am sure you can understand why I am concerned and equally troubled by Capital One 's response. Nonetheless, I called Capital One again this afternoon. I explained to the supervisor, XXXX, why I requested a credit line increase. XXXX stated the impact of exceeding my credit line by XXXX % to XXXX % " is not a concern to us. '' XXXX confirmed this was a decision made by their automated processes and she refused to send my request over to the underwriters for a manual review. 
As a result, I understand if I cancel my credit card it will have a negative impact on my credit score. Also, If I exceed the XXXX % threshold it will have a negative impact on my credit score. I have been a loyal Capital One customer for a number of years. I have personal and business credit cards through Capital One, I have financed a number of vehicles and mortgages through Capital One - I have never had a late payment. With that said, I can only conclude I am a victim of racial and national origin discrimination based on the ethnicity of my last name. I request that you open an investigation into the lending practices of Capital One. If you need additional information, please contact me at XXXXXXXXXXXX.
Product: Credit reporting or other personal consumer reports

This account JPCMB BANK was not authorized/this is not a debt that personally belongs to me. I attached a copy of my report from XXXX to XX/XX/2021 to prove that this account does not belong to me. If you review my report from the 3 credit bureaus, this account just appeared and reported this year.