23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On My XXXX  credit report by the name of XXXX XXXX XXXX XXXX i had some unauthorized inquiries in my credit report and i want them to be removed please. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On My XXXX  other inquiries were reported XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ON my XXXX  credit report XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX American Express XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXX/XX/XXXX
Product: Credit card

I am writing about a dispute regarding a purchase made on XXXX XXXX on XX/XX/XXXX. The purchase amount transaction ID XXXX. The amount is listed below. I never received the merchandise order just a flat empty XXXX  envelope which I have as evidence. I have attached all the evidence including the tracking information from XXXX. Please address my complaint and advise. Despite contacting XXXX. Despite all the paperwork sent, I was asked to contact my credit card company XXXX. XXXX agreed with XXXX 's response I received the bag purchased. I have attached a PDF with the envelop XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX Order Number XXXX Vendor Order Number XXXX Placed On XX/XX/XXXX Shipped To Order Summary Subtotal {$1300.00} Shipping {$9.00} Total Before Tax {$1400.00} Tax {$84.00} TOTAL {$1400.00}
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, we leased a new XXXX from XXXX XXXX in XXXX XXXX, Florida. As part of that lease, we traded-in another leased vehicle that was leased through XXXX XXXX XXXX XXXX XXXX XXXX ), from XXXX, New York XXXX XXXX erroneously reported our last lease payment ( from XX/XX/XXXX? ) on the old vehicle as late. After failed ( denied ) attempts to dispute this information with all 3 major credit reporting agencies on XX/XX/XXXX, we submitted, via US certified mail, a letter dated XX/XX/XXXX, for XXXX to investigate their reporting of the late payment. This reporting caused our otherwise excellent credit scores to drop nearly XXXX points directly as a result. On XX/XX/XXXX, I received an e-mail from XXXX indicating their investigation, reference # XXXX, " determined an amendment to the information being furnished is warranted. We have requested the agencies update your credit profile to remove the negative reporting for XX/XX/XXXX. '' and then they stated " Please be aware that although we have submitted this update electronically, the agencies may take thirty ( 30 ) to sixty ( 60 ) days to reflect the amendment on your profile. '' I replied to their e-mail on XX/XX/XXXX stating that it had been more than 60 days and the negative information is still being reported to all 3 credit agencies. Their automated system replied that I would hear back in 10 days or less. Today is the XXXX day and I've heard nothing. I've sent them another e-mail today however I can not wait any longer as it's been nearly XXXX days since my initial reporting to them and nearly XXXX months since this whole issue began to fix their error. I am attaching the e-mail chain with XXXX and a screenshot from my Equifax credit report ran today, XX/XX/XXXX, that still shows the delinquency AFTER the account was closed!
Product: Credit reporting or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies may be linked to the XXXX  data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provided me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within 30 days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 Collection Account : XXXX XXXX XXXXXXXX XXXX {$160.00} account number XXXX Hard Inquiries 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 .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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: Debt collection

this debt was paid and is still showing as an open account and reporting a late payment back in XX/XX/2021 then current from then to now. Comments on the reports show as paid but the account on the XXXX credit reports shows as open. This is not accurate information. This account was agreed to be paid and removed from all the credit reports. This has not been done. This is a closed account but they violated the agreement by not removing the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several disputes with the credit bureaus about late payments, and collection accounts on my credit report that is inaccurate or not mines. I have ask them to validate the accounts with written signatures stating that I own the accounts and they have fail to do so. 
The accounts are : XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX  XXXX XXXX Credit Card US Bankruptcy which I have never filed Bankruptcy.Filed in XXXX Collection account XXXX XXXX  which is not mine this fraudulent account was open in XXXX. 
XXXX XXXX  XXXX Open in XXXX balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Open in XXXX XXXX I have made several attempts on getting these account removed and nothing has happened.
Product: Credit card or prepaid card

I received a promotional offer on my mobile app for a credit card. Part of the promotion included the waiver of the annual fee of {$95.00} for the first year. The card offered other benefits that were attractive such as credits towards XXXX pre check, more points on my purchases, and XXXX points if I spent a certain amount within 3 months. I bank completely with BOA and I liked the offer. I applied and the first thing I see is a {$95.00} annual fee assessed to the card. I called and the said they would research. They sent me a letter to call and when I did they denied the reversal and said they had no such promotion. I feel deceived. I didnt take a screenshot but I shouldnt have to. I just wanted the offer as advertised.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion, XXXX XXXX XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my many submissions, they consistently responded within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. WHICH IT IS NOT, AND I HAVE STATED THIS MULTIPLE TIMES. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX, XXXX XXXX Transunion complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX is the account that I have disputed multiple times and not once have they removed it from my credit report, which violates my rights as a consumer.
Product: Vehicle loan or lease

XXXX XXXX sold me a Nissan Altima under false pretenses stating it had a clean XXXX ( which I just found out it does not ) and under the false pretense that I had a 6.34 % rate. I overpaid for this car from the beginning based on their lie, as the damage on the XXXX that they claimed was clean immediately reduced the value of the car, which was greatly exaggerated. As for the 6.34 % APR, only 69 % of my payments have gone towards principle, which means I basically have a high interest credit card type payment for a car loan. I asked Nissan about it and they blamed the extensions they've given, but they never explained these extensions could nearly raise my interest paid to 500 % of what it should have been. When trying to trade of the Nissan completely, I found my car to be at nearly {$11000.00} negative equity, which means I can't leave Nissan if I want to. Assuming even 200 % the marked interest rate of the loan, over {$3000.00} more would have went to principle making a trade out slightly more possible. I am trapped by Nissan because of their deceit at the dealership and also by Nissan Finance practices themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax indicated they believe my personal information has been stolen as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refused to help me with removing these hard inquiries thats not mine.under the FCRA they are supposed to help and make sure it is accurate. These inquiries do not belong to me and is hurting my ability to purchase a home and get funding. I have contacted them numerous times and they refuse to help and keep me on hold for hours each time. They was very hard to under stand and three reps refused to let me speak with a supervisor. The inquiries are listed below. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

On XXXX XXXX, 2017 at XXXX XXXX CST, I called number XXXX and rep, XXXX, refused to transfer me to the Bank of America travel center. I was placed on hold for 12 minutes while XXXX probed, silently listened to me talk to my computer, and kept coming back saying we have no travel center. I could not get access via my Internet. I said this to XXXX. She agitated me. Then, I got transferred to a female specialist to help with my website and lack of access, who claimed they have no travel center only rewards. And, she said my phone was breaking up, that I was screaming at her, and to stop. Finally, after yelling at her that I felt like I was in the Twilight Zone, she gave me the travel center phone number XXXX, and sent me to, XXXX, in travel center took care of me and apologized. I do n't understand why these folks have to play with me and act dumb. I said " no '' to using my travel rewards 10 times. They claim they can not hear me unless I speak and use the correct tone of voice and verbiage. They act punitively toward me and it makes my phone transactions difficult and tiresome.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting some fraudulent account s on my credit report. Here are the list of the fraudulent accounts : DEPT OF EDUCATION/ XXXX : {$4500.00}, {$3500.00}, {$2700.00}, {$2100.00} {$2000.00}, {$1800.00}, {$1000.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 a personal loan or loans, a credit card or credit cards, and any other accounts from XXXX with a balance of {$21000.00}, XXXX XXXX with a balance of {$9000.00}, XXXXXXXX XXXX with a balance of {$810.00}, XXXX XXXX with a balance of {$1500.00}, XXXX XXXXXXXX XXXX  with a balance of {$250.00}XXXX XXXX XXXXXXXX with a balance of {$240.00}, XXXX XXXX XXXX with a balance of {$7500.00}. Hard inquiries XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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: Checking or savings account

So I am reporting US Bank and any of its affiliates because a fraudulent account was opened in my name, which was removed off of my XXXX reports, that I had NO IDEA was even opened. Ive tried calling their corporate line to no avail. Ive tried contacting them via mail, with no response. Ive even tried to talk to an actual live banker, who couldnt help me rectify this situation eitherbut Im to the point now where formal litigation will commence against US Bank and all its subsidiaries, unless this fraudulent mark is removed and I am given a fair chance to open a bank account with them. I tried applying for a Safe Debit Checking Account but was denied because they couldnt verify my information? Because there were inconsistencies? Ive already had a fraudulent account from US Bank removed from my XXXX, maybe thats why I cant get one? I have been denied MULTIPLE CREDIT AND DEPOSIT ACCOUNT OPPORTUNITIES BECAUSE PF THIS FRAUDULENT ACCOUNT. AND AS SUCH HAS FACED MANY HARDSHIPS BECAUSE OF THIS. But either way this is wrong and discriminatoryall I want is an actual bank account, and for whatever reason they are denying me. Rectify this situation, or formal litigation will commence.
Product: Credit reporting or other personal consumer reports

I am refilling this complaint to XXXX for XXXX fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. 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. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Equifax 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, Equifax, and XXXX, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

Debt was discharged through Foreclosure not Bankrputcy. In 2009 I received a XXXX from E*TRADE and on my XXXX of my 2009 taxes my account declared it as a sale of a property which accounted for the XXXX XXXX XXXX ad the E8Trad loan. I never received the Capitol Gain, but did pay taxes on it. XXXX XXXX XXXX XXXX has now sent me another XXXX for the same debt. I should not be getting a XXXX XXXX for the same debt. I have tried uploading a copy of the 2009 XXXX to your sight but have not been able to. Will put copy of XXXX from 2009 in the mail to you
Product: Credit card

Citi/Costco emailed me a promo saying I have charges that were Costco purchases that were eligible for XXXX fee and 0 % int rate. This is for any charges above {$75.00}. However, when I clicked on the link to sign up for this offer they slam a monthly fee which is not supposed to be charged as per their ad. I called their XXXXXXXX XXXX XXXX spoke to a friendly lady who reviewed the offer and said it was for charges made at Costco only and not for purchases made on that card elsewhere. I said I knew that and I was going by what they had specifically advertised and specifically they had highlighted the charges on my bill that were supposedly eligible. However, they are not in actuality... They are clearly misleading. She said she would bubble this up but asked me again to go back and ensure that I was selecting charges that were Costco purchases. I tried it again and it is the same - no change..
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that Experian, XXXX and XXXX assumed a vital role in assemble information on me as a federal protected consumer. Experian, XXXX and XXXX is impeding the banking system. Experian, XXXX, XXXX is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( Experian, XXXX and XXXX ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( Experian, XXXX and XXXX ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to XXXX XXXX verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. Experian has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.