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

I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission. According to 15 USC 1681, I have the right to privacy. According to 15 USC 1681s-2, 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX FRAUD Account # XXXX Credence Resourse Management I In accordance with the fair credit reporting act this accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction. 

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish 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 in accurate This is the 3rd time I have acknowledged them about these accounts on my credit file this documents is use for evidence of XXXX XXXX not complying with the consumer law if not remove immediately I will be filling for damages with the law
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX, TX XX/XX/XXXX, TX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX {$1200.00} FCRA XXXX : hard enquiries not mineXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$480.00} XXXX XXXX   XXXX XXXX {$560.00} XXXX XXXX XXXX {$620.00}
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX -DATE OPENED XX/XX/year>
Product: Credit card or prepaid card

In XXXX 2017 I booked a family cruise on XXXX XXXX XXXX. I used my Chase card to make the payment. I have always met my obligations regarding the credit card agreement as far as making payments timely. While onboard i patronized the Casino. I later found out that XXXX is notorious for deceiving and fraudulently cheating customers in the casinos on board. I was told by XXXX employee ( the hostess in the casino ) that I can used my onboard room card to play up to {$3000.00}. The limit on my Chase card wsd {$3500.00}. 
While in the casino I played mostly from winnings as well as spending money I brought onboard. I went to a Casino patron to check my balance they advised the couldnt tell me i would have to go to guest services. I figured since i could only use up to XXXX based on the Casino rules and my limit being {$3500.00}. I could not exceed that. I won {$2700.00} and played mostly from that. So imagine my shock when on my way off the ship i was given a bill from the casino for {$6800.00} approximately. I emailed XXXX and requested an detailed itemized reciept of winnings played as well as the amounts played from the onboard card. I have yet to receive that. 
To my complete surprise Chase bank accepted the charges for almost double my limit. I called Chase to question why they would accept a charge for double my limit when that was not our credit card agreement. Had i tried to purchase an item for {$6800.00} it would have certainly benn declined. Chase agreed to take a partial amount off to honor the card a agreement. The balance i would resolve through XXXX once proper billing had been supplied. After making a large credit card payment chase went ahead and added the balance back without my knowledge. They have made no attempts to resolve the issue. I feel Chase and XXXX XXXX XXXX are deceptive and unscrupulous in thier practices to mislead consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine and I do not know them. I am asking you to remove them from my profile. I feel that this is a fraud and I want to keep safe my credit profile.
Product: Credit reporting or other personal consumer reports

I have called XXXX XXXX I was told to submit my personal ID and SS #
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX/XXXX  XXXX , XXXX/XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 05 XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX, XXXX/XXXX   XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to Experian, XXXX  and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. Experian, XXXX  or XXXX  doesn't have any files to verify this account, nor will they delete it.
Product: Checking or savings account

On XX/XX/2020 i was charged XXXX $ on my account by a scammer from XXXX XXXX   who transferred the money to my sisters XXXX XXXX which she received no money of the amount and he has sent the money to fake names to receive the money she has tried to dispute the transaction with XXXX XXXX as well as i have and they refused to refund the monet. I have bank of America and filed the claim the same day and they refused to take the case as fraudulent and saying i authorized this while i did not authorize these two transactions and i would like to know if you guys could help in this i am being refused my money back as they were fraudulently charged. I have sent to them screenshots of the XXXX XXXX accounts they went to as well as a detailed letter of what happened with the scammer, they have escalated the case and still refused to refund my money that were taken as fraud because i do have previous transactions woth my sister using XXXX XXXX but that amount of XXXX she did not receive any of it and she went through the same thing that day like me also being scammed and she got her money refunded by her bank, bank of America has dealt with my case unfairly as i am a good standing customer.
Product: Credit card

I had a citi Master card ending in XXXX. 
There were some automated payments from XXXX being deducted which I was not aware. I had asked them to change it Looks like it took affect after XX/XX/XXXX. 
Till XX/XX/XXXX Total XXXX charges were around {$75.00} Now Citi is asking me to pay {$220.00} because I am late on my payment for 3 months. 
This is roughly 3 times the amount I owe. Which is very unfair. 
Also Citi never bothered to inform me Other than sending emails which went into spam. 
The only time they contacted me via mail was the final collection notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with ONEMAIN in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for equifax dispute removal 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 ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFRA ) 12 U.S.C. 5366 ( 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 Equifax complies with the federal law and provides consumers with the necessary proof investigation. 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: Debt collection

I was a customer of XXXX and cancelled service in XXXX 2016. I was told by the representative that i would not be charged a early termination fee because they could not get the system to work properly after XXXX attempts. They tried to run my credit card that was on file for XX/XX/XXXX and late termination fee. I disputed the charge and now they are reporting false information to credit reporting agencies which is affecting my credit status.I have spoken to XXXX and they are saying that they do n't show any collection for me. I explained to them it is on my credit report and this is falling on deaf ears.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the inquiries listed below are all fraudulent and reporting illegally Ive included a identity theft report as well. 


TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022
Product: Vehicle loan or lease

I have disputed this account many times every time it 's about the late payments reporting. After many attempts to get this fix I hade a due date change which took months for this company to figure it out. After speaking with multiple supervisors they finally agreed to remove the late derogatory marks off my credit report due to the fact that it was not my fault that it took there company so long to make the change for the account. Also I do have proof that they agreed to remove the derogatory marks off my credit. This is the only negative account that I have on my reports and this is hendering me from purchasing a home. WellsFargo need to do better by there customers. My account has been current and on time since they did the change.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$12000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4800.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXXXXXX XXXX XXXX : {$2700.00} ; XXXX XXXX Balance Owed XXXX {$380.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 ;
Product: Payday loan, title loan, or personal loan

I opened a line of credit with Affirm on XX/XX/XXXX for a vacation with XXXX. The same day the vacation was canceled. I received confirmation the vacation was canceled and a refund was issued. A few days later Affirm confirmed the loan and charged me for the full amount of the vacation. They verified {$1300.00} was refunded but have not credited my account and they continue to charge me for the full amount of the vacation which was over {$2400.00}!
Product: Debt collection

{$5900.00} my card was lost and stollen and they did not close it when i called mulitple times and my card got maxed out. I have never maxed out a card in my life and had perfect credit until this happened. I am a XXXX XXXX XXXXXXXX and need this fixed as soon as possible. 

Capital one Case # XXXX Already reported to credit companies Reported to them phone call and mail Already did big fraud packet for them. 
They have done nothing but send letter after letter saying i owe all that money. 

They recieved my fraud paper work XXXX XXXX from what they told me on the phone. I called again on XX/XX/XXXX and they were still working on it. Nothing had currently been done. More paper work sent out XX/XX/XXXX. They said they sent me emails that same day. I have 0 emails. Told them if i do not get this resolved i will contact a lawyer this is ruining my life and my familys life. 

Ref # XXXX Fraud department # XXXX Talked to XXXX XXXX. 

Still nothing has been done. 

Please help
Product: Payday loan, title loan, personal loan, or advance loan

When I explained the high interest rate, they stated that I signed the agreement! My complaint was that I was a Veteran and when I signed the loan agreement I was under the thought that they knew the Veteran and Consumer Fair Credit Act! Their response was that I was not in the military. Again I explained that I was wounded in combat and receiving compensation and gave them the date my XXXX check was deposited, which meant I am a Veteran! 

I also have a loan with Lendumo Finance, with the same complaint
Product: Checking or savings account

I paid {$170.00} on XX/XX/XXXX for the Merchandise and never received the order. So I filed a dispute on XX/XX/XXXX Wells Fargo gave me a temporary credit and they reversed it on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me XXXX days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXXXXXX XXXX XXXXXXXX : {$28000.00}
Product: Debt collection

In XXXX 2014, I completed a form on XXXX 's website to explore possible bundling of services for cable, internet, and phone. I never received a response to my inquiry so I elected to keep my phone and internet with XXXX and set up cable with XXXX. Later, a technician from XXXX came to my house. I was not at home and my young son opened the door and allowed him to enter our home. My son told him that his parents were not home. Shockingly, the technician stayed in my home with my XXXX year old son. The technician plugged a modem in our sunroom which resulted in us having no phone or internet service. I contacted XXXX immediately to report this travesty. An agent assured me that someone would come out to repair our service. XXXX never sent a technician. I continued to call XXXX many, many times about this problem. Each time, the agent told me that a technician would be dispatched. It never happened! Thankfully, XXXX was able to repair the damage caused by XXXX. I was furious when I received a bill from XXXX. Not only did I never receive any service from XXXX, but we had to pay XXXX to repair damage done by the XXXX technician. When I rightfully refused to pay XXXX any money, XXXX contracted with a collection agency. XXXX never followed up on any of my phone calls and never sent a technician to repair the damage caused by its techician. 

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

Inquiry is on my credit reports that were not authorized. I am a victim of identity theft in the past, I need these inquiries removed. 

Miscellaneous SYNCB/SAM 'S PLCC Inquiry : XXXX. XXXX, XXXX Travel/Entertainment Travel/Entertainment SYNCB/SAM 'S PLCC Inquiry : XXXX XXXX, XXXX
Product: Checking or savings account

I had a 7 month cd of 4.5 % maturing XX/XX/2023. Im a busy person so i wasnt able to interact with it around that date. Come to find out bank of america decided to auto renew that 7 mo cd at an artificially low non market rate of 0.03 % -- an insanely low interest rate and one i believe constitutes fraud. 

I believe the actions of bank of america are fraudulent. I believe they attempted to effectively steal from me. I want cfpb to find out how often this happens, find out how much boa makes from this fraudulent nonmarket rate renewal and fine them 10x the amount of their illgotten gains. Many people are not savvy enough to understand the theft taking place. Regulatory bodies need to look out for them.
Product: Credit reporting

XXXX XXXX has furnished Experian, XXXX, and XXXX, with inaccurate information to be reported on my credit file. I was never notified of such accused debt and only came to realize this information was on my file through my own investigation. This debt is unsubstantiated, and could not be validated by the alleged 'original creditor ', who stated that it could n't provide copies of original signed contract, and was unable to review original account level documents. 
Upon these finding I contacted XXXX XXXX in a certified letter via United States Postal Service. Under Massachusetts General Laws M.G.L. c. 93, s. 58 the reporting agency ( XXXX XXXX XXXX ) had 30 days to respond in writing to my inquiry and dispute. They have been negligent in regards to responding. It seems they have no intention of proving the debt when in fact they have the burden to prove the debt is in fact owed and accurate. To date, XXXX has a poor track record in regards to it collections and business practices, which had resulted in numerous fines from the U.S. Government and individual states as well, including Massachusetts. The illegal actions of XXXX XXXX XXXX have cause XXXX consumer 's credit files to be tainted with negative information, including myself.
Product: Credit reporting or other personal consumer reports

Account # XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of $ {$8800.00} This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards.

According to the Fair credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have battled to get the correct information printed on my credit report in regards to two accounts that have been closed with the department of child support by the mothers and I continue to have full custody of the children. Not only is the balance information in accurate and completely out of date but so is the history. I have reached out countless times but only seem to get a request for supplemental identification documents from XXXX  and nothing is done I am legally XXXX and suffer severely from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and often fall short of what they require for documentation yet here it is. I am also clinically proven with severe XXXX and have been fully medicated since I was XXXX so all of this becomes a huge challenge when I am faught by the credit bureaus
Product: Credit reporting or other personal consumer reports

I notified Experian on XX/XX/2023 that I am a victim of identity theft and that my accounts have been compromised and tampered with by the identity thief. Experian responded via CFPB, complaint # XXXX after XX/XX/2023 stating the items were verified as accurate. There is no way the items can be verified as accurate because they are indeed a result of identity theft. The information is not accurate or complete. I am exercising my rights to a reinvestigation under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report a chapter XXXX bankruptcy as dismissed, but it was terminated, and should not be on my report. XXXX has removed it, but Experian has not, even after documents, and several attempts.