23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 consist of a personal loan account opened at XXXX, XXXX on XX/XX/XXXX under the account number XXXX. This account have resulted in several fraudulent Charge Off appearing on my consumer XXXX credit report with a balance of {$1600.00} that appears related to the aforementioned personal loan account opened at XXXX, XXXX. This account have resulted in several fraudulent hard inquiries in the past, fraudulent collections and fraudulent Charge Off appearing on my consumer FICO credit report. I do not recognize the aforementioned account, collection or Charge Off related to this account as reported. The aforementioned account, collection, and Charge Off appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection and Charge Off are the result of Identity Theft and Fraud. I have attached an Affidavit of Truth regarding the fraudulent XXXX, XXXX accounts and also i have attached copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collection, and Charge Off are the result of identity theft and fraud. Please Remove and Delete this account from my report, they are hurting my ability to obtain credit.
Product: Mortgage

On XX/XX/XXXX, I filed a XXXX. XXXX Bankruptcy to keep my home. On or about XX/XX/XXXX, US Bank National and/or employee attorneys working for US Bank National , fraudently portrayed themselves as my " listing agent '' and posted pictures of my home on XXXX  offering it for a " cash '' sale buy through XXXX 
4 days later I discovered this and I began contacting XXXX, sending them a copy of the Court filing and my attorney information confirming that my home is under Bankruptcy XXXX XXXX protection and letting them know I had no knowledge of or a business relationship with a listing agent, who had also posted the advertisement on XXXX and XXXX. 
XXXX legal dept responded to me with the attached correspondence, confirming that this action that violated a federal Bankruptcy injunction was taken by " individuals who claim ownership '' of a note or mortgage toy home. Since then, I have also obtained material evidence that US Bank obtained a second mortgage on my home in XXXX without my knowledge or authorization.
Product: Vehicle loan or lease

I signed an agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX a XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. On page 8 of the contract there is no one listed as a assignee or interest holder in the vehicle or contract and there is a blacked out area for the signature of the seller. On XXXX XX/XX/XXXX I received a copy of the contract from XXXX XXXX of XXXX XXXX with an alteration on page 8 that was done without my knowledge and I did not agree to. American Credit Acceptance , LLC was added as the assignee and the seller signature box was signed by hand. It clearly shows the contract was changed after the day of signing. On the day of signing all signatures were electronically signed. At the bottom of the original contract that I received when I left shows the date of XXXX XX/XX/XXXX. On the bottom of the altered contract the date reads XXXX XX/XX/XXXX. The is shows deceptive and unfair business practices and FRUAD.

AMERICAN CREDIT ACCEPTANCE , LLC used a fraudulent contract to repossess my vehicle which is fruad. AMERICAN CREDIT ACCEPTANCE , LLC had/has no interest in my vehicle per the original contract. I have no agreement/contract with AMERICAN CREDIT ACCEPTANCE , LLC XXXX 
XXXX all violated a number of other consumers laws outlined in the documents I've attached, such as, forcing me to put a cash down-payment of {$750.00} because of my alleged poor credit when this was a strictly credit-only transaction, misleading tactics, lack of disclosures and other violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text message asking me if I had made a certain amount, the call appeared on my phone as Chase Bank security. I said that I hadn't and then told me that they would call me immediately. And there came a call back identified as Chase Bank security. The person gave their name as XXXX. He asked me if I had made a purchase in XXXX  on my card ending in. I told the person that I hadn't, he then went on and told me if I didn't cooperate with his investigation I would be charged for the entire amount. He then told me to transfer XXXX via XXXX to find out if it was the person who made the purchase in XXXX. I did that and he told me to stay on the line and then told me to use my credit card ending in XXXX  to wire transfer XXXX to XXXX which I did. Then the call was dropped at which time I immediately called Chase Bank in their fraud department. They told me over the phone that the amounts I was telling them about was still pending and that they would put a stop on them. Well today is XX/XX/XXXX and since I hadn't heard from them I called and was told that since it was directly from my bank the case was closed and there was nothing I could do about the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many multiple incorrect addresses and name spellings on my credit report. 

Below is the only accurate information XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX There are multiple miss spelled names that should be deleted off of my credit report, as well as multiple addresses which I never lived. 

The only previous address I should have on my credit report is XXXX XXXX XXXX XXXX, NY XXXX Please delete the following addresses XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I discovered that the credit card company had been sending emails regarding my personal purchase history to an ex-girlfriend of mine who I have not spoken to with in the last 10 years. She was never a member on this account. This account was only opened a year ago and none of her personal information was ever provided for this card, they linked it to an old account that had been closed for a decade and gave her my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

Capital one bank is reporting on my credit report. I did not apply for the to cards or the inquirys that are showing up. All inquiries and both capital XXXX credit cards must be removed.
Product: Credit card or prepaid card

I received an alert that B of A had run my credit. Haven't applied for any new credit at all.
Product: Credit reporting or other personal consumer reports

Experian and XXXX refuses to delete the following accounts. 
XXXX XXXX XXXX  charge off XXXXXXXX XXXX Its to my under that CFPB has sued these two companies for this same reason they are doing to me. 
I have provided proof that these accounts do not belong to me and they refuse to delete. 
These accounts above on my credit report. It Is hurting my financial well being and my life.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Apple Card for an unresolved dispute related to the non-delivery of a round-trip ticket. Despite providing evidence and acknowledging fault from the merchant, Apple Card has not addressed the issue. 

Details : Date of disputed transaction : XX/XX/2023 Transaction Amount : {$830.00}, {$72.00}, {$72.00} Merchant : XXXX XXXX  Brief Description of Dispute : Non-delivery of service, unjustified reasons from the merchant not to deliver the service. 
Documentation Submitted : Attachment 1, Attachment 2 Attachment 1 : Email communication with the merchant admitting failure to deliver the service. 
Attachment 2 : Response from Apple with untrue response from XXXX ( I contacted the company to change itinerary and they claimed that I did not ). 
Attempts to Resolve : Multiple attempts to contact Apple Card have been unproductive, with insufficient responses. The merchant 's unjustified reasons for not being able to charge my card for flight changes remain unaddressed. 

Apple Card 's Response : While Apple Card acknowledged receipt of the complaint and expressed understanding of the situation, no tangible steps have been taken to resolve the issue. The entire correspondence exchange indicates the merchant 's fault, yet the dispute persists. 

Additional Issue : Furthermore, every time I attempt to contact Apple Card, I am subjected to excessive wait times, ranging from XXXX minutes to XXXX hour and XXXX minutes. This extended wait time adds further frustration to an already unresolved matter.
Product: Money transfer, virtual currency, or money service

I received a fraudulent invoice to my PayPal account for {$410.00} supposedly for a renewal of an antivirus software. There was a number to call for customer service, and it became clear that they wanted my PayPal information in order to scam me. 
Fraudulent email was from XXXX. 
The number listed on the fraudulent invoice was XXXX ( XXXX ) XXXX
Product: Credit card

I applied for a staples credit card from Citibank. The card was approved and I made a purchase.. It was an online application for the card and I used the confirmation number they gave me to do the credit purchase.. The amount was XXXX dollars and some cents. So far I have not received the credit card.. They tell me that I should have received the statements which I did not.. they have been calling me about the payment on the credit card and I am willing to pay the amount that I used on that card but I should not be charged any late fees and finance charge.. They continue to insist that I should pay finance charge. I have refused them to pay anything unless they revert the finance charge.
Product: Credit card or prepaid card

My minor son XXXX XXXX made a purchase on XXXX on XX/XX/XXXX in the amount of {$190.00} for some shoes XXXX ( tracking XXXX ) states were delivered on XX/XX/XXXX but they never was. I was home all day waiting for the delivery. Once the tracking showed it was delivered we contacted XXXX which you can only chat with them, after chatting with a agent the agent stop responding and ended the chat on us. At that point we contacted Money Network to inform them about what happened and placed a dispute. Which they sent out a form for my XXXX to sign and I also sent Money Network a copy of the chat. Well today XX/XX/XXXX I received a letter from MoneyNetwork stating my son claim was denied because XXXX sent them verification of delivery which is only the tracking number that I stated above. So im reaching out to you to help me get this resolved since Money Network isnt helping us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters to Equifax, XXXX  and XXXX  informing them of inaccurate information being reported on my credit reports. I submitted a letter from the furnisher stating they did not verify the information that is being reported on my credit reports.
Product: Credit card or prepaid card

On XX/XX/2020, I tried to make a purchase on line, however the transaction was declined because i made a mistake when providing my address which is linked to the card. Shortly after, i contacted the merchant because the funds appeared withdrawn from my account. The merchant provided clear proof that the transaction was declined by American Express. Although the transaction was declined by American Express and no authorization was given to the merchant, American express claims that the transaction is still pending and won't release my funds back into my account. American Express have engaged in Florida 's Unfair Business Practices. American Express are holding these funds to enrich themselves to make money on interest. There is no excuse for them to hold these funds when the transaction was declined. I have attached an email from the merchant confirming that the transaction was declined and never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this  may  concern I 've faxed and emailed Equifax regarding my correct name on my credit report on  XXXX   XXXX ,    2017  also  XXXX   XXXX ,  2017  also  XXXX   XXXX ,  2017 . Included with the fax and certified mail to Equifax was a copy of my Identification and Social Security Card. Every month Equifax updates my name as  XXXX   XXXX   XXXX   XXXX . I have no  XXXX  on my name I 'm a Woman. This error is coming from a old debt collector which is  XXXX . I 've called  XXXX  and they always disconnect the line.  XXXX  is listing inaccurate information on my credit report its stating a charge off and the old account has been transferred to  XXXX  and paid and  XXXX  was the original creditor and they havent changed the information on my credit file. They are reporting my name wrong also to Equifax as  XXXX   XXXX   XXXX   XXXX .
Product: Debt collection

In XXXX of 2021 NCA was added to my credit file. I was not notified of this collection. The first time I heard of this account was when I seen it on my credit file in XX/XX/2021. I have contacted NCA with regards to removing this collection from my file or sending me validation of this account and as of today, I have not received anything in writing from NCA.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX Reference XXXX XXXX XXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Student loan

I did a student loan refinance in XX/XX/XXXX. The terms were lower interest only payments to begin with a variable interest rate. I was charged an amount to pay. In XXXX of XXXX, I started paying extra and the servicer was applying the extra to the principal to reduce the balance I was being charged interest on. I was making progress. The new servicer, Universal Accounting Services took over in XX/XX/XXXX. The extra I paid was not consistently applied to the principal. When I called today, they said they choose to apply the extra wherever, which isn't the terms I agreed to with the lender. The rude woman named XXXX XXXX (? ) refused to listen, wouldn't look at the account payments, and refused to get me a supervisor. I called back and a nice person XXXX XXXX, explained that because of their accounting practices, if interest accrues, its paid first and whatever is left would then be applied to reduce the principal. XXXX told me they recently updated they system so that any time a change occurs, a payment is made, or a statement is generated the interest is added to the account. This means that I'll never have the full amount of money I'm paying extra deducted from the principal because they are now adding the interest onto my account multiple times during the month. The terms of my loan were such that the interest accrued and I paid that interest. It's not a fair practice to accrue the interest more frequently so when I pay extra it pays that instead. I'm trying to pay my loan down and these unfair practices are causing me not to make progress with my finances. The new servicer has over all been uncooperative. I've expressed clearly in my calls that I want to pay things down and their practices prevent that.
Product: Debt collection

Radius Global does not belong to me. I have called them and they have no records of me
Product: Debt collection

There is a collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

DIVERSIFIED ADJUSTMENT ( XXXX ) Accnt # : XXXX Opened : XX/XX/2022 Balance : {$99.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I sent a transfer of {$1100.00} to an acquaintance. The screen prior to confirming the transfer stated that " You'll send {$1100.00} USD '', " You'll pay {$1100.00} USD '', and " [ acquaintance email ] will receive {$1100.00} USD ''. Therefore I expected the recipient to receive the full amount, but in fact he had a significant amount deducted before receiving the transfer. It is unreasonable to claim specifically that the recipient will receive a certain amount and then take a fee such that he doesn't in fact receive that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft according to the IRS I put a alert out to all three credit bureaus yeah and XXXX is the only one to have fixed most of my account except one collections account its not in there but XXXX and Trans Union still have XXXX XXXX XXXX is that are not mine even though I told him I was a victim of I dont like that and I was part of the XXXX breach which Ive been informed from the XXXX breach settlement these are the collections accounts that have been already taken off XXXX but still show n XXXX and trans union That I dont recognize - XXXX ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$160.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX XXXX ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$600.00} Amount {$600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX ) Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX, XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$720.00} Amount {$720.00} Status Date Apr XXXX, XXXX Status UNPAID Balance Date Apr XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I do not recognize this debt or the collector and when I reach out for more information including signed documents, dates of the debt, etc. I only get a letter stating who the collector is and the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX  XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # 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
Product: Credit reporting or other personal consumer reports

I am urgently writing to inform you that I have been the victim of identity theft, leading to numerous fraudulent entries on my credit report. These accounts and inquiries were added without my consent, and I demand immediate action to rectify this situation. 

Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and require the immediate removal of these unauthorized items. This is critical to restoring the accuracy of my credit report.