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

Hello, I have recently submitted a complaint through the CFPB in regards to case XXXX. I am being held liable for a fraud on the basis that someone took my phone and used my e-mail to try and do multiple fraudulent transactions. The basis of their action is that the signature matched a previous fraud claim which I withdrew because I knew the perpetrator. The problem with that is that they will not show me the signature, and also because I don't know how they could possibly find that given that I've shopped at the XXXX XXXX and they are one of the few shops that make you sign with your finger and not with a pen or kiosk. I have read multiple things online and I have heard that Discover is infamous for siding with the merchants. Having them answer my complaint with a canned response telling me that I'm screwed even though I have proof of where I was when the transaction took place, as well as the fact that I have proof that my phone was stolen and my computer was compromised is quite ridiculous. I will not pay a single dime towards something that I did not purchase. Please advise me of my options as I will be hiring a lawyer.
Product: Debt collection

The account was settled with CMRE I told them I needed an deletion and would pay the debt. I did yet the reported negatively in XXXX and have still not removed the debt from my Credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Report it shows no payment on a loan for 120 days. However I have made arrangements with the company and made all payments. Payments are even reported on their website. It took my 100 % payment history down to 84 % dropping my score more than 50 points. I have requested they update direct to the company and even filed a dispute with the credit bureaus. This has made me pay 24 % interest on a car loan due to the inaccurate reporting of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

equfax all inquries are freudulant
Product: Mortgage

I AM REPORT TO I AM SICK AND STAY IN THE HOSPITAL FOR 5 DAYS, WENT I GOING TO WORK THE WORK FINISH BUT IF FOR CONTRACT AND I LOOKING FOR JOB TO I AM GOING TO XXXX XXXX AND I HAVE DEBT TO MONTH TO MY MORTGAGE AND NOT HAVE MONEY TO PAY BILLS AND THE HOUSE YOUR HELP ME MY NAME IS XXXX XXXX I LIFE IN XXXX XXXX LA XXXX AND MY CELL XXXX THE MORTGAGE ITS CARRINGTON MORTGAGE SERVICE XXXX, CA XXXX.
Product: Money transfer, virtual currency, or money service

I was trying to secure a home loan. I was told by the lender to transfer a {$7000.00} deposit into their account. I transferred the money from my Bank of America account to their Bank of America Account on XX/XX/19. Later I found out that the lender was a scam and never returned my money. I tried to file a claim in court but all the address I had got sent back. I've gone to the Bank of america 3 times and spent hours on the phone with their fraud department. I have been told there is nothing they can do. I am requesting help to get my money back, freeze the account that I sent the money to and to provide information about the recipient or account holder so I can continue my pursuit in court. I have also filed complaints in 2 different police department and have heard nothing in response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send the three letters to validate my information And they havent sent me any proof that shows that I owe that amount The first letter was sent on XX/XX/2018 XXXX XXXX  sent the letterThe second letter was sent on XX/XX/2018The third letter was sent on XX/XX/2018 to experian I send All the letters certified
Product: Prepaid card

I prepared my XX/XX/XXXX income tax online. The netspend prepaid credit card was an option for receiving my refund faster. When I efiled my final form the screen stated my card would be mailed that week to expect it by XX/XX/XXXX. I have had a restraining order against my husband for XXXX years and stealing my mail is XXXX of his favorite pastimes. I immediately phoned netspend that card was cancled a new card was issued and after explai XXXX g my concerns an activation code was placed on my card. Net spend issued him a XXXX card without my authorization got him his card XXXX day before mine never enforced the activation code and he withdrew XXXX $ a day before I received my card. I faxed the company my written complaint XX/XX/XXXX. They claim they never received it.XX/XX/XXXX he withdrew the money from our local XXXX bank. XX/XX/XXXX at XXXX is when I received my card. I immediately attepted to activate it. When I did no activation se urity code was required as I was guaranteed would be. My balance showed XXXX $ less. I called customer service and they explained that a XXXX card was issued by them. I was furious. My lender is ready to foreclose on my home and I dont see why I cant get my money. They are past all regulated days allotted and I cant even get an update much less the refund I should of been given weeks ago. I have several emails qhere they admitt fault claim they counseled staff yet im ready to lose my home and its been XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX SSN # XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Hi to whom this matter may concern. I recently pulled my credit report and discovered some errors reporting on my credit report. 

Please DELETE the following accounts listed below immediately. 

Ive included my TransUnion credit report as reference. 

Please see attached credit report. 

The following accounts listed below are all in error. 

Please Delete Collection Account : XXXX because it has been reaged. XX/XX/XXXX Please Delete Inquiry : XXXX via XXXX because it does not establish a firm line of credit. 

As you know, the The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

I really look forward to seeing that this matter be handled amicably. 

Thanks! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' SENTRY CREDIT INC ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( SENTRY CREDIT INC ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( SENTRY CREDIT INC ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( SENTRY CREDIT INC ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of SENTRY CREDIT INC reporting services. SENTRY CREDIT INC is also a third party debt collector that i have never contracted ever. They have no right to collect a debt from me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on m credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

IDENTITY THEFT AND FRAUD INACCURATE INFORMATION DELETE CHARGE OFF. 15USC 1681e ( b ) ACCURACY OF REPORTING AGENCY WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY. 
XXXX AND XXXX HAS DELETED CHARGE OFF. CHARGE OFF IS XXXX IRS TAX FRAUD WHO HAS GAINED GROSS INCOME ATTEMPTING TO COLLECT A DEBT THEY DONT OWN. DELETE CHARGE OFF AND TAX FRAUD FROM CONSUMER REPORT.
Product: Credit card or prepaid card

On XX/XX/XXXX, I get an email from XXXX saying Update your payment method. Don't lose XXXXXXXX XXXX They said I had until XX/XX/XXXX to fix it or my premium would be cancelled. I work M-F XXXX, their company is on the west coast so 3 hrs behind . The 're no way I'm able to pay it because my company I work for is on the west coast so when their open and closed, I'm clocked ina ns logged out. I tried to update my payment again yesterday aft around XXXX before they closed at XXXX. Suddenly my Google Pay account was suspended and I google that I could lose my google account because they can't verify my information. I've sent them my Drivers license and updated my old address to the current address. My account is still suspended!!! XXXX I AM A XXXX PLAN WITH XXXX AND NEED THE XXXX.
Product: Credit card

I went to a XXXX  for a consultation which I paid for. I was going to have XXXX, but my XXXX was not on board, so I never had the XXXX. The XXXX  borrowed {$20000.00} for the XXXX. The y did return the money, but I am still getting bills for interest and late fees. I was told a month ago all charges would be taken off and now they are refusing to remove these charges.
Product: Credit reporting or other personal consumer reports

In accordines with fair the Credit Reporting act, the list of accolnts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportino agency canno furnish a account without my written instructions.

15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consume 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 yea 15 U.S.C 16818-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to an 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

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> EQUIFAX MORTGAGE SER XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Experian has caused me to be denied credit by reporting a low Fico score of XXXX as of today. The other two reporting agencies are reporting a score of XXXX. 

I disputed an entry for collections from XXXX XXXX. It was removed from the other two agencies and remains on my Experian report and they failed to verify the information as accurate. 

Ive disputed it again but the damage has already occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX  amount  XXXX , I was made a dispute at XX/XX/XXXX , cause I not recognize that credit card is my plus I never spend a lot money in one time in any credit card, account number XXXX ,   XXXX   XXXX   XXXX   XXXX  .
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is showing a late payment in my credit report that a dont recognize as true, please make an investigation about these XXXX late payments .this late payment was XXXX XXXX... I formally request that the following inaccurate items be immediately investigated.

They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within XXXX ( XXXX ) days.I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Please send me my updated report as soon as your investigation is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my payment on my credit card to XXXX aka the XXXX XXXX XXXX, and it was purposely held until after they reported it to the credit bureaus, dropping my credit score. I made the payment on the XX/XX/XXXX and the held it until after they reported to the credit bureaus.
Product: Mortgage

Applied for a modification in XX/XX/2020 with Mr. Cooper due to a Hardship ( XXXX XXXX ) the set back my financial obligations. They denied my Modification due to a slight increase in payment by {$10.00} on XX/XX/XXXX I filed an appeal in the XX/XX/XXXX and they said they would respond no later the XX/XX/XXXX. I received a denial letter of the appeal on XX/XX/XXXX and called to make two month payment on the XX/XX/XXXX ... the representative said I needed to make 3 payments. I said I can not do that until the XX/XX/XXXX ... She said said I could make 3 payments on the XX/XX/XXXX. They said to call back on XX/XX/XXXX to make the 3 payments. When I called back on XX/XX/XXXX they said its in foreclosure status and you need to the resolve with the Attorney and pay the full amount. 

The rug was pulled from under my nose ... I've never experienced this in my life ... when I had the payment and told the representative on XX/XX/XXXX they said I can not pay anything at this time to wait for the Attorney letter. WOW????? I thought I had plenty of time when they sent a letter of the appeal they would respond no later then XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In XX/XX/XXXX, TD Auto Finance reported that my account was late. In XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX reported that my account was late. This is inaccurate information due to the fact that I was never late in making a payment. I have contacted both the credit bureaus as well as the creditors, but to no avail.This incorrect reporting is negatively affecting my credit. Please remove this.
Product: Credit reporting or other personal consumer reports

I have asked for the incorrect information to be removed from my reports and they have not removed any inaccurate information. My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My employer is XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX. I have provided the credit bureaus with my correct information and they have not removed any inaccurate information. I would like for them to remove the inaccurate information immediately.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I'm requesting that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, my information is being used by someone to open and apply for things, now there are accounts on my credit profile that I do not recognize. These items affecting my ability credit and my basic ability to sustain and stabilize myself and my family. Please, remove these fraudulent items as I am a victim and my life and family are suffering. 


Open Accounts : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$310.00} Credit Card XXXX Opened : XX/XX/XXXX Balance : {$340.00} Secured Credit Card XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$100.00} Secured Credit Card Collections Accounts : XXXX XXXX XXXX XXXXXXXX Opened XXXX XX/XX/XXXX Balance : {$370.00} Original Creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A discover credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to XXXX to inform them of this matter once I seen it on my Experian credit report, they agreed to close the account. Experian removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I tried to do a report with FTC but they keep directing me to CFPB.com. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. XXXX account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX, XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of ab sudden the account is reappearing 6 months later with a balance of {$2300.00}. This account was paid off.