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

I have fallen victim to identity theft, and my Social Security number and personal information have been compromised in a data breach. I promptly notified Experian, XXXX, and XXXX. submitted my ID and a detailed letter as instructed. Despite following their guidelines, my credit report remains unchanged. I also filed an identity theft report With FTC and sent it to them, yet the inaccurate information persists and is damaging to my financial well-being not only all XXXX credit reports should match none of them matches or have the same information. U.S. Code 1681a ( 2 ) ( AXi ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. I've noticed that XXXX shows an account balance of {$20000.00}, along with a XXXX XXXX account in the amount of XXXX This information was included in my identity theft report. I strongly urge Experian, XXXX, and XXXX to rectify this situation and ensure that my credit report reflects accurate, fair, and complete information. Please remove these false entries. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information.
Product: Credit card

BOA, Bank of America, deducted money from my checking account in XXXX XXXX and in XXXX XXXX for a credit card that was not in my name, without my ss number, without any application from me, without my signature, and with no charges authorized or made by me. BOA simply had access to my BOA checking account and deducted {$300.00} in XXXX, then {$2300.00} on XXXX XXXX. 
My husband and I bought a XXXX in XXXX, called XXXX XXXX XXXX. The business ended and the corporate name was XXXX XXXX. XX/XX/XXXX, I began to receive calls about a credit card for XXXX XXXX XXXX ; it was the first time I knew about that card. I gave the company my address so that person could forward any information showing where and when I authorized the card. At that time, BOA did not have anything except my name and telephone number. I never received any information I requested. However, on XXXX XXXX, I noticed a debit from my checking account of {$300.00}, with the explanation- '' bankcard debit business/commercial card-right to set off. Those dollars were part of my SSI. And, when I asked the next person I spoke to, he told me the bank would not make that debit. 
Upon the advice of an attorney, I stopped using that account, except for a few online bill pays. ( Again I wish to note that several requests then and later in the year, for any documentation of my card application, my signature on the application, were never fulfilled. I have never even had an actual credit card or made any charges on the card. ) Then in XXXX of this year, my husband transferred some of his SSI ( he 's XXXX ) via check into my personal BOA checking acct and I too transferred $ $ $ from my SSI into the BOA checking account for XXXX expenses. Within one week, on XXXX XXXX, when I checked my checking account, BOA, had deducted {$2300.00} from my account. The explanation was " debit for charges on account ''. So, I am initiating a complaint ... .never any documentation for this Credit Card, which is not in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has fraudulently put student loans on my account. I have never had an account with Navient. They can not provide written proof of a signature with me and NAVIENT on the same contract. I have been d isputing them off my credit for years. Since they in bed with the credit bureaus they claim the debt is valid. But they can not provide proof to show where I have SIGNED WRITTEN AGREEMENT BETWEEN ME AND NAVIENT.     They are fraudulently messing up my credit on purpose. I have saved monthly credit reports for over 3 years where navient just puts whatever they wont on my credit. Accounts are open, closed, then reopened, paid, not paid, high balance, low balance, missed payments, no missed payments. And the straw that broke the camel 's back was last we ek my credit score drop ped by  XXXX  POINTS because of navient fraudulently changing information on my credit.     I AM FED UP. ENOUGH IS ENOUGH. I BEEN PLAYING GAMES WITH THEM FOR TOO LONG. I HAVE A MOUNTAIN OF EVIDENCE ON THEM.
Product: Mortgage

The. Home. Was. Paid. Off. I. Borrowed. XXXX. And. Was. Charged. An. Extra.  XXXX. They. Stole. All. The. Equity. Out. Of. The. House. They. Were. Not. Transparent. With. Me. At. All. I. Feel. Like. I. Was. Robbed. And. Would. Like. These. People. To. Be. Bought. Up. On. Charges. For. Pulling. A. Fast. One. On. Me. The. Companies. Name. Is. Ocwen. Financial. Or. Phh.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. All XXXX XXXX accounts and XXXX were reported as not accurate.
Product: Checking or savings account

This company knowingly allowed scams and fraud done to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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, credit repair services, or other personal consumer reports

I incurred a charge off account with  XXXX , it was turned over to collections to  XXXX .This account is showing on my credit report as being open, it was closed in 2016.This company is adding interest in to this account, to increase the amount on my credit report to further damage my credit score. The beginning balance was approx. {$410.00}, they have increased it to {$590.00}, and added another {$48.00} to it recently.   I have filed a complaint with  XXXX , and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act ; has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or time of place known or which should be known to be inconvenient to the Consumer. 



XXXX XXXX XXXX ( Acct : # XXXX & Acct # XXXX ) has violated my rights. 

XXXX XXXX ( Acct # XXXX & Acct # XXXX ) has violated my rights. 

XXXX XXXX XXXX, ( Acct # : XXXX & XXXX ) has violated my rights. 

XXXX XXXX XXXX ( Acct # XXXX ) violated my rights. 

XXXX of XXXX Acct # : XXXX, XXXX, violated my rights XXXX XXXX Acct # XXXX violated my rights XXXX XXXX XXXX Acct # XXXX violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is unbelievable! You just closed a complaint about having addresses that don't belong to me on my credit report after months of going back and forth with you, so now you add another address that also doesn't not belong to me. 
Let me be completely clear with you one last time! 
My name should read ... XXXX XXXX XXXX. Nothing else! I have a son with teh exact same name and spelling! 

The only address that should be on my credit profile is XXXX XXXX XXXX, XXXX PA XXXX. Nothing else! Remove any other address you have and do not add any other address! I have lived at the address over 10 years! Stop adding random addresses! 

Fix this and send me an updated credit report immediately!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Payday loan, title loan, personal loan, or advance loan

Lendumo has predatory and unlawful practices. I took out a loan for {$1000.00} on XX/XX/23 due to some financial hardships. To date, I have paid {$2900.00} on a loan of {$1000.00} and but continue to make payments of {$260.00} biweekly due to the outrageous 745  % interest rate. What I was not aware of was the 33 % annual interest rate limit in Maryland. I contacted the company on XX/XX/23 with the following email : " To Whom It May Concern, I am reaching out to resolve my outstanding loan. Lenduomo is not authorized to provide loans in the state of Maryland as it is not licensed by the XXXX XXXX XXXX XXXX, and the interest rate of 745 % exceeds the legal state limit of 33  %. To date, I have paid {$2900.00} on a loan of {$1000.00}, and will consider the loan paid in full. Please confirm receipt of this email and resolution of this matter. '' I have not yet received a response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

In a letter dated the XXXX of XXXX, 2024, I requested closure of my XXXX XXXX XXXX. As I usually overpay the amount I owe monthly, I had a negative balance ( ie an overpayment of {$290.00} ) on the account. I expected to be paid the residual upon closure. In contrast to every other credit card, financial, insurance, banking or related account and institutional practices, Citi opted not to issue a check to me or direct deposit or any other refund, but instead sat on my {$290.00} for 4 months. When I called on XX/XX/XXXX as to where the check was, I was informed that none had been issued and that an additional 7-10 days would be required before any such check would be cut and mailed to me. 

Furious, I demanded that the effective interest free loan that Citi granted themselves from my money be compensated. XXXX the manager agreed that {$1.00} was sufficient given current interest rates. 

However, he then informed me that the {$1.00} credit would be to the account and would not be available until another 5 days. When banks can move millions electronically in the space of seconds this is clearly a harassment delay. To further that impression, he then informed me that I would have to call again 5 days hence, in order to order the {$290.00} check be cut and mailed. 

Citi knew my account was closed as evidenced by the website and as the staff ( both the initial representative and XXXX the manager ) confirmed. When I asked why the {$290.00} check was not issued in XXXX, he further informed me that the Citi 's policy is that the consumer / credit card user has to call and request the refund. 

Again, I have never encountered such a requirement from any other financial institution upon account closure and can not believe that arbitrarily retaining funds from a customer is anything but theft.
Product: Debt collection

This debt is no longer mine. Portfolio Recovery calls to collect on a debt that is not mine using a phone number from my general area which is not their number. I am on the do not call list. The debt they are claiming is 13 years old on top of that. I have asked repeatedly not to be contacted by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found an account that does not belong to me. 
XXXX XXXX XXXX is reporting a {$85.00} medical collection that states was open XX/XX/2017. I have no idea what this account is and have never entered into any agreement or contract with XXXX nor the unlisted original creditor. I contacted the company and they have failed to proved me any validation or signed contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

MICROBILT feels they can keep pulling my credit report without my authorization, I never or will I never agree to have MICROBILT pull my credit report. 

I do not believe anyone in the right mind or even crazy would let MICROBILT pull their credit report.
Product: Credit card

I was charged a late fee and found out this has happened 3 times this year. This card wont accept electronic payments from me therefore I must pay by check. My bank says they are receiving the payments on the due dates, but the card says they receive later. It appears the card is holding onto the checks so they can charge late fees. The person I spoke with told me I should call them or pay online with them inconveniencing by not allowing me to keep record of my payments with my bill pay service. When I asked to have the late fees reversed she hung up on me.
Product: Debt collection

Notice to The consumer Financial protection Bureau. Notice ( Carmax ) a debt collector has furnished fraudulent Information to an Non-Affiliated Third Party Without any Consent to do So. They Furnished Information to ( XXXX, XXXX and XXXX ) the experience is unfair and doesn't benefit my household! ( Carmax ) Never Gave the Proper disclosures that are necessary to furnish Nonpublic information with Third parties. They never did any of that Im ordering them to Cease and desist any and all communication this is an refusal to. ( Carmax ) Never gave me the chance to opt out. As required by Federal Law. Deletion of the tradeline from my consumer File is needed immediately
Product: Credit card

i had a credit card issued from Citibank and was a cardmember for more than 25 years with good credit and payment history. Around early XXXX I had trouble making my payments and tried to work with them. On XXXX XXXX, XXXX, Citibank put me into a program that had me make smaller payments and sent me an agreement that said if I made all of the payments they will re-open my account in 12 months. Right around the XXXX month, I made my regular payment and expected to have the account re-opened. Citibank then said that in order to do that, I would need to make a regular payment for the balance that would be around {$600.00}. I told them that they never told me that when I agreed to the agreement they sent me on XXXX XXXX, XXXX. They told me that " The system, that makes all of these decisions is the one who decided that, in order to re-open my account, I would need to pay that amount. I did pay, even though it was very difficult and then about two weeks later in early XXXX XXXX, they told me that they were not opening my account and the full amount would be due at a rate of 30 %. I told them that they promised me that they would work with me and understood at the time the economy was terrible, but ended up putting me in collections. When I tried to stay out of collections, during a call to XXXX of their collection agents, I let them know I could afford a {$200.00} payment and they laughed and said " why bother ''. 

My Debt has been sold to many debt collectors, and the latest sent me today a so called validation of my debt which also included someone else 's debt information which I believe is illegal. 
I think Citibank has violated the terms of the agreement it entered with me. I believe that they misled me in this program that was going to help me defer payments due to financial hardship. I do know that last year around this time you were successful in getting them to correct this predatory and deceptive marketing.
Product: Bank account or service

i have contacted chase bank many times, and i have got no response from them, i lost my job due to my health and i am XXXX and on XXXX ..i return my auto back to the auto dealer ... chase bank lie on my credit report and posted that they repo. my auto ... i had XXXX witness and mailed a certified letter to chase bank as well..now chase bank wants to be real XXXX and cause damage to my credit report by doing a credit inquires to drop my credit scores ... i have spoke with a atty ... and if chase does not stop i will expose chase bank, ,and since a XXXX vet i am sure that would make good news story ... i am so fed up with chase bank.i have mailed them at lease XXXX packets of information and i have been very honest with chase bank ... what really made me mad is the few times i would talk to someone at chase bank, ,i was told by a chase bank staff lady that they could not get close to there customers ... i have work in XXXX for 27 years,,, i have never herd of such a poor excuse ... i have learn with chase bank being honest with them is not chase bank wants..XXXX i should have just kept my truck and cut the gps system and chase bank would have never found my truck ... as i have said i am not going to put up with chase bank causing damage to my credit report ... .if this how chase bank treats people that are XXXX and XXXX veterans ... chase bank needs to close there doors ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being tha they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FRCA-they are rquired to " promptly delete all information which can not be verified '' that I have disputed. Please resolve the manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I scratched my XXXX. I saw a doctor at XXXX XXXX in XXXX ( XXXX FL ). I got a bill from the hospital and I paid it. Now an unknown entity is billing me without showing me a statement signed by me agreeing to have that entity provide services for me and that I agreed to pay that entity for their service. XXXX has no right to put this on my credit report without proof that I contracted with entity. I have proof that I paid the hospital. This is double billing and fraud.
Product: Credit reporting or other personal consumer reports

Company named XXXX that I have no knowledge of is on my account I want this deleted off my credit report immediately as I have no knowledge of this debt.
Product: Credit card or prepaid card

I placed an order on XXXX XX/XX/XXXX. I ordered 3 items. I received only 2 items but the 25 % coupon was not applied. I was on line again XX/XX/XXXXthose same 3 items are offered with a 50 % off code 3DAY. I sent XXXX 's a email asking the status of the item not received, the 20 % discount not being applied and letting them know that all 3 items are now 50 % wit that code. If they won't honor to send me a return label for the two items and have them picked up. The order number is XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/12 I was victim of scam and I sent money through XXXX ( {$500.00} ) using my banking app. I called the bank immediately to report that with the hope they could reverse the transfer, but they told me that they cant do anything even though I was reporting as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a tax lien on my credit report from Transunion on 3 different occasions. The lien is not on my XXXX or XXXX credit report which I have attached. Transunion only says that the lien has been verified but did not furnish me with no original documentation on who or how it was verified.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the credit reporting agency, block informationappearing 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 XXXX XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX Balanced owed {$1.00} XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX Balanced owed {$0.00} XXXX  Acct # XXXX Date Opened XX/XX/XXXX Balanced owed XXXX XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX Balanced owed {$650.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX