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

Attn : This is a new complaint, please do not discard as a duplicate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Equifax Dispute Department Subject : Formal Dispute and Request for Rectification Dear Equifax Dispute Department, I, XXXX XXXX, am writing to bring to your attention a critical matter regarding my credit report that requires immediate resolution. 

I vehemently dispute the presence of a XXXX XXXX business card account ( # XXXX ) on my credit report, opened on XXXX, last reported on XXXX, and charged off on XXXX with a balance of {$4800.00}. I want to clarify that I have neither authorized nor been associated with any business card from XXXX XXXX. It has come to my attention that this account may be inaccurately linked to my name, as I have never sanctioned such a joint credit arrangement.

Moreover, I am filing a formal complaint regarding the potential discriminatory and XXXX impact on my credit score by Equifax. Despite a commendable historical loan history, including payments exceeding {$100000.00} over a decade and maintaining nine open seasoned accounts with impeccable payment records, my credit score remains lower than justified. I request a thorough investigation into this matter to rectify any systematic biases affecting my credit score. 

Furthermore, I demand the immediate removal of hard inquiries made by XXXX XXXX. I find it unacceptable for a creditor, which I did not authorize, to access my personal information and credit profile. I have filed an FTC complaint ( # XXXX ) to address this issue, understanding that Equifax should recognize the significance of such government complaints in safeguarding consumer rights. 

As a consumer, I expect Equifax to honor my rights by expeditiously removing these inaccuracies from my credit report and protecting my standing. I trust that you will undertake a comprehensive investigation and take swift action to address these concerns. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is representing/collecting on behalf of Freedom furniture/Military Credit Services . He stated they sat on the debt to let it accrue interest then once it was maximized after 10 years they are now coming to collect. I have no memory of this transaction we are talking about almost 20 years ago. And they now are looking for 4-5x what may have been owed 15 years ago.
Product: Credit card

I checked my Chime app yesterday to see how much money was on my XXXX XXXX  account for me to spend, {$69.00}. I get to the store and my card was declined. I looked at my app again and my XXXX XXXX wasnt even up there, I called chime and they said XXXX account was closed and to wait XXXX  days for a check. I didnt close the account and it is funded at my discretion with my own money. Now I have no money. I talked to XXXX supervisors and they were no help! Ive researched that this has happened to multiple people and tgey NEVER received a check! I want my money put into my checking account. The first of the month I will no longer bank with them!
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I notices several fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX online purchasing 2 tickets on XXXX XXXX at check out - offer came up to apply for CitiBank AA receive {$200.00} off total. Talked to Rep which assist in application. Asked Rep why the {$200.00} was not taken off then, he said he will be on the disconnected on the bill. Received the bill along with card no discount on XX/XX/XXXX. 

Contacted the Rep at XXXX, she says its no {$200.00} discount just {$50000.00} miles. 

{$200.00} is what prompted me to purchase the ticket.
Product: Money transfer, virtual currency, or money service

against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a product with XXXX. The credit bureaus have listed XXXX as a credit card which is incorrect. This is not a revolving account but a product that was financed for the exact amount of the cost of the product. 

XXXX XXXX as a credit card issuer, has resulted in my credit score being lowered and other creditors denying me credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts XXXX.. below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit card

On XXXX 2016, I spoke with Capital One in regards to my issue. I explained to them that I had issues submitting my payment online, which I thought that the payment went through. I went through my bank statement and notice that it did n't go through. I went on and explained to them that I did n't want it to harm my credit because I am submitting my payment at a later date. I also went into conversing with them, letting them know that I been requested to change my due date on this credit card. I have XXXX credit cards with Capital One. They assured me that this would happen, they would change the date. They assure me that they were not going to report to the credit bureau. They accepted my payment and gave me my confirmation. Now, I am just noticing that they did report my payment as late to the credit bureau. I explained to them over the phone the other day about my credit. They told me that it should n't have been reported and that I would need to get in contact with the credit bureau. I 've gotten in contact with the credit bureau and they told me the only thing I can do is dispute this late payment. I received the dispute and looked at it and saw that Capital One did n't change anything, they kept it the same. The representative assured me that my payments reflected that I made my payments on time but on my credit bureau its showing different. This have drop my credit score tremendously. I am so upset with Capital One and I thought they were suppose to help with your credit. I ca n't believe that the representative are trained to give the wrong information. I wish someone could please fix this issue because I am really upset at this time.
Product: Credit reporting or other personal consumer reports

On the XXXXXXXX XXXX XXXXXXXX, I wrote a letter to Equifax about fraudulent Addrersses, accounts/ inquiries on my consumer profile. They did not remove XXXX inquiry which is clearly on my FTC report that was sent with the first letter. I then called Equifax and they said they did not receive the FTC report for 1. Unauthorized inquiry. 
XXXX Date of inquiry : XX/XX/year> DELETE!!! 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NJ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NJ XXXX I need this removed ASAP ATTACHED IS *VALID STATE ID *SSN CARD *PROOF OF ADDRESS *FTC REPORT *LETTER IDENTIFYING THE FRAUD. 18 USC 1028 A 15 USC 1681 S-2
Product: Credit reporting, credit repair services, or other personal consumer reports

Date opened XX/XX/2017 Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Has violating 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

I received a hard inquiry XX/XX/XXXX When I have not appliedfkr a credit card. Inquirer date : XX/XX/XXXX. I contacted the company but to no avail. They have failed to return my calls or emails. This is a violation of the Fair Credit Reporting Act Section 604. I believe this was not a permissible purpose for a consumer report and feel heavily discriminated against. The Equal Opportunity Act, 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act. I feel personally discriminated against and have no other option but to try  CFPB to get a response from this creditor that has treated me so poorly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX hold inquires for XXXX  XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX on my credit report and record
Product: Vehicle loan or lease

Ally has not reduced my 14 percent interest rate I have paid {$6000.00} in finance charges in 11 months of the loan. We are in a pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being told by the VA that I was no longer able to pursue a career in XXXX I then took the steps to have my loans forgiven as I was in the process of becoming a XXXX XXXX XXXX  XXXX XXXX Veteran. I had my physician at the VA fill out paperwork certifying that I was no longer able to pursue a career. My injuries sustained while in the service were the reason for me being approved by the VA for XXXX XXXX XXXX XXXX XXXX. I have submitted all the required forms to XXXX XXXX including a letter signed by my physician at the VA acknowledging that I am XXXX  XXXX XXXX XXXX XXXX veteran. Paperwork was submitted in XXXX 2010 return receipt signature required. Account # XXXX XXXX {$8500.00}, # XXXX {$20000.00}
Product: Credit reporting or other personal consumer reports

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.

I am filing this FTC Identity Theft Affidavit to report two fraudul
ent accounts appearing on my consumer FICO XXXX credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of credit card accounts opened at 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 FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

on XX/XX/2024, I see there was a credit check done by Discover Financial service which I don't recognize and authorize. 
I contacted the company but they failed to find any information with respect to why the credit check was done.
Product: Credit reporting or other personal consumer reports

I understand your frustration with the fraudulent inquiries appearing on your consumer report, which are not associated with you in any way. As a victim of identity theft, this issue has caused you significant mental and financial distress, hindering your ability to achieve important financial goals like purchasing a home and providing for your family 's needs. 

I want to assure you that I take this matter very seriously. Having inaccurate and fraudulent items on one 's consumer report can have far-reaching consequences, and it is unacceptable that this situation has substantially impacted your financial well-being. 

Thank you for providing a copy of the letter you previously sent to the Federal Trade Commission ( FTC ), outlining this issue and seeking resolution. I appreciate you following the proper procedures and making multiple attempts to resolve this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failure to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating that the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions 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 ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. The following are the accounts I have marked as inaccurate : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After contacting my current insurance provider it has been indicated that the amount requested {$1000.00} from : Collection Bureau Of Hudson Valley Inc.

Is inaccurate.

Therefore I would like to request that this collection agency provide the actual original bill for all services provided.
Product: Credit reporting or other personal consumer reports

i have asked Transunion on XX/XX/2023 for the method of verification per sec 611 of the FAIR CREDIT REPORTING ACT ( FCRA ) i have asked Transunion for real paperwork that backs up their claim of verified and updated response. Nothings tangible and real gets presented to me for my review. please help in this matter CFPB since trans union likes violating my Federal protected consumer rights. THIS INACCURATE ACCOUNT REPORTING IS HARMING ME AND ITS MAKING ME PAY MORE IN HIGH INTEREST IN OBTAINING GOODS AND CREDIT..
Product: Credit card or prepaid card

On XX/XX/2022, I was charged {$410.00} from XXXX for a taxi cab ride in XXXX XXXX XXXX This is a fraud charge. I am disputing the amount of my taxi drive. I did not authorize a {$8000.00} XXXX pesos taxi ride. It was an {$800.00} XXXX pesos drive which should've been about $ 35-40, not {$410.00}. I could not contact the merchant because it was a taxi driver. I do not have their information. 

I called Capital One right after I got out of the taxi and saw the amount in my email alerts and I was informed that I could not dispute until the transaction was posted. I was diligent with this fraud transaction from the beginning and followed everything I was told by Capital One. 

Upon looking at the receipt the merchant sent, I never signed to authorize this purchase like I said in my initial dispute. That is not my signature on that receipt, this is fraud. Nothing about that signature looks like my name ( XXXX XXXX or even any letters in my name. 

The receipt provided by the merchant is also not legitimate taxi ride receipt. It does not show the miles driven or anything that a taxi driver would have. This driver scammed me and probably used one of those XXXX XXXX  to overcharge me. Capital One will not help me with further escalating this case. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX , EQUIFAX have re added inquirys that were removed from my reports.    XXXX   XXXX   XXXX  -  XXXX   XXXX  -  XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -   XXXX     XXXX   -   XXXX   XXXX   XXXX  , were all removed from my reports th en re adde d again, these are not my inquirys these applications were done without my permission.   I have asked  XXXX  several times to remove false information from my reports, i have sent several certified letters which they did not reply.   i have asked for proof of such as names and phone numbers and proof of verification and they have ignored or refused to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my most recent credit report, only SSN, XXXX account and XXXX account belong to me. Others belong to another person. I have attached an XXXX report, which is correct, hope that can help you correct my credit file. When I got my first credit card, I had no SSN and lived in the previous address, hope that could help you find my missing accounts in your system.
Product: Credit reporting or other personal consumer reports

I have been noticing that my credit report does not have my correct personal information and this is causing this unknown and inaccurate account to appear on my credit. I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing an item on my report that I never was associated with. I filed an FTC report as I was instructed to by Equifax. I have sent in this report but this fraudulent item still remains.
Product: Credit card

This is a Chase Credit Card Complaint I am a senior citizen and have tried reaching out to Chase credit card. 
Chase credit card is continuing to charge me with interest on a merchandise that I have not received. 
Chase has not investigated the charges thoroughly and have resorted to confusing charges on my statements and charging interest. 
Chase has not provided a detailed explanation was provided on WHY credit card charges were valid even if requested. 
Chase has stated that we will not respond to future correspondence from you about it. 
Chronology of events : Redacted XXXX Chase Credit card statement containing bill for $ XXXXdisputed amount is Euro XXXX. Filename : XXXXfirst bill-XXXX Redacted XXXX Chase Credit card Statement containing indicating reversal of charges -- {$1400.00}. 
Filename : XXXX-credit-XXXX XXXXXX/XX/XXXX Chase acknowledgement of Dispute. 
Filename : XXXX Chase Acknowledgement of dispute XX/XX/XXXX Formal written dispute filed as requested by Chase. This include reasons for dispute. 
Filename : XXXX Chase Dispute filed ; Supporting Attachments : Filenames : XXXX XXXX Me Cancel ; XXXX XXXX Not shipped ; XXXX Merchandise still in XXXX ( Note : Credit card was charged, XX/XX/XXXX, even if item had not been shipped ) XX/XX/XXXX Chase Resolution to dispute. Request to reopen XX/XX/XXXX. 
Filename : XXXX Chase Response XX/XX/XXXX Redacted XXXX Statement rebilling {$1400.00}. 
Filename : XXXX-rebill-XXXX XXXXXX/XX/XXXX Chase acknowledge to reopen, XXXX : XXXX Chase Acknowledgement to reopen XX/XX/XXXX Chase resolution to reopened dispute, Chase representative states that no further responses will be made. 
Filename : XXXX Chase Response XX/XX/XXXX Appeal letter to chase to reconsider decisionelectronically filed. 
Filename : XXXX Appeal Letter to Chase XX/XX/XXXX electronically filed Affidavit of non-receipt of merchandise. Note : {$1400.00} includes foreign exchange conversion fee from Euro to Dollar. {$1400.00} is a Euro amount. 
Filename : Affidavit of non-receipt of Merchandise
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax Constantly allow XXXX to add fraudulent acts to my credit. countless times it had to be remove be they allow the company to constantly and illegally add it back on by changing info slightly to the act. 
This is getting XXXX ridiculous now I have no protection and everytime i decide to take my alerts off I get these XXXX  thing happening again XXXX  has allowed numerous inquiries on it. 
please can someone do something about this XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  ( XXXX ) XXXX XXXX  XXXX  XXXX Inquiry : XXXX XXXX, XXXX + + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  XXXX   XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX  XXXX   Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX  XXXX   Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX
Product: Credit card or prepaid card

For many years I have been paying XXXX XXXX with automatic payments through my bank. I never had a problem until recently my payments stopped getting posted. I found out that the address the payments were being sent to for XXXX XXXX Account # XXXX ( Comenity Bank ) was no longer valid. I received a letter from Comenity Bank returning my check dated XX/XX/2022, advising that they no longer accept payments for XXXX XXXX. I updated this information with my bank ; however, after checking my bank account, I found that Comenity cashed and kept two other checks one dated XX/XX/2022 and another dated XX/XX/2022 both for {$100.00}. I contacted XXXX XXXX and confirmed that these two payments did not get credited to my XXXX account. 
I attempted to contact Comenity Bank directly to request the return of the {$200.00} ; however, each time I tried to call them, I was hung up on or cold transferred to XXXX XXXX. They were unwilling to assist. 
I just want the return of my {$200.00}.