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

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXX DEPTEDXXXX   XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIST PULLING PROMO INQUIRIES I AM AN EXISTING CUSTOMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company called XXXX XXXX XXXX ( address : XXXX XXXX XXXX XXXX, MA XXXX ) that has been posted on my XXXX, TransUnion, and XXXX report that is complete FRAUD. Ive tried clerking with them in removing and telling them this isnt me, my name or address. Theyve refused due to being so greedy for money. This is not my account and Ive never opened anything with them. The balance date is : XX/XX/2019 and was alerted to me on XX/XX/XXXX. 


There is also another fraud file reporting on my XXXX, TransUnion, and XXXX report called XXXX in the amount of {$1200.00}. Ive tried stating to them this credit card was opened by my sister and NOT me. Ive had zero help in fixing this issue and it needs to be removed off of my account. I dont Understand why I have To keep fighting these fraud charges. I need My credit files LOCKED
Product: Debt collection

XXXX XXXXXXXX XXXX XXXXXXXX have made a delinquent charge on my account after I had closed an account with original loan. 

The original loan providers can not provide any information on the debt. Every time I call they said they dont have it because its been so long so why am I being charged if theres no information? When I showed original bank statements to prove l came to a settlement they dont acknowledge it. They were scammed by original lender.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$760.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$690.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$1500.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$690.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$660.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$610.00} Open Date XXXX XXXX XXXX XXXX XXXX Balance {$230.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$100.00} Open Date XX/XX/XXXX inquiries XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX, XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX, XXXX XXXX TX XXXX Sincerely XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan today XX/XX/20 and I was not approved because of an account called XXXX Card for a a balance of {$11000.00} reflecting badly on my credit history. I didn't know this account was even on my credit report before today I'm not they type of person that checks their credit report regularly. This account is not mine ; It was not opened by me and I never allowed anyone to open it in my name so I don't know who is responsible for this account. I do not have any contract with that company and I did not benefit anything from this account such as money, goods, services or any other benefit and I never made any payments towards it. I already filed a police report regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 

Please delete these accounts from my credit report if you can't provide these 4 things below 1. The Original Contracts With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchants ) 3. The Payment History and Itemized Billing Associated With These Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 1. Account Name : XXXX XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX 4. Account Name : XXXX XXXXXXXX XXXX Account # XXXX
Product: Consumer Loan

I have been paying my auto loan for over two years and have actually overpaid each month, sometimes paying more than twice the minimum amount. Out of nowhere four months ago I was contacted claiming that for two and a half years, without notice my due date was earlier in the month and despite overpaying I had accrued years of late fees. I was assured that the late fees would be cleared and the due date changed. A month later after " solving '' the problem I was called over ten times in one day for the same issue. Another month later after " solving '' the problem again I was called over ten times in one day and had to " solve '' the problem again. This harassment has gone on now for four months. I have sent them a cease and desist notice and advised that if the harassment continues, I would be seeking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name was caught in a credit mix file that caused incorrect information to be reported in my credit file. I disputed these errors and submitted proof of identity theft affidavit. I recently reviewed my credit file and found the same closed negative account, wrong date of birth and this company has even reported my physical health as XXXX which is against HIPPA LAW. I have asked this company numerous of times to remove this wrongful information from my account because it is damaging to my credit and character.
Product: Checking or savings account

I tried to login to Chime account and it had a message that my account had been closed. I called to find out and they told me that the account was closed XXXX. My balance was {$210.00} by XX/XX/year>. There was a settlement for XXXX leaving the account in XXXX balance. 

I have not received any check from them since that date. 

TRANSACTION DATE XX/XX/year> DESCRIPTION Adjustment AMOUNT - {$210.00} NET AMOUNT SETTLEMENT DATE - {$210.00} XX/XX/year>
Product: Checking or savings account

On XX/XX/2024, I received emails and text messages letting me know a Chime account was ready to use. The account was registered under my name and email address. I called Chime FOUR times in attempt to get the account closed. Each time, I was told I would be transferred to the " Fraud Department '' and put on hold. After about a minute on hold, the call would disconnect. This occured every single time. On the fourth call, I was told there was likely a technical issue with the call transfer and was given the ticket # XXXX. I still have not been able to get in touch with Chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  ACCOUNT # XXXX AND XXXX 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.
Product: Credit reporting or other personal consumer reports

AS OF TODAY XX/XX/year> XXXX XXXX XXXX XXXX RECIEVED A ALERT ON MY CREDIT XXXX XXXX. MY CREDIT REPORT FROM EXPERIAN SPEAKS FOR ITS SELF, EXPERIAN PUT A COLLECTION ON MY CREDIT REPORT WITH OUT A ACCOUNT # ALSO MY LEGAL NAME IS XXXX XXXX XXXX, XXXX LIVED AT XXXX XXXX XXXX.
Product: Credit card or prepaid card

on XX/XX/22 I called capital one requesting a credit for all the late fees applied to my account in order to bring my balance up to date ; they said they were only doing one time courtesy fee waiver of {$40.00} but they couldnt do anything else. 
consequently in order to avoid continuing getting {$40.00} late fee and increase my debt with capital one I decided to make a loan to pay the card in full. 
on XX/XX/22 I called capital one once again, requested to speak to a supervisor directly to request once again a total of {$130.00} credit back to my account ( all late fees ) in order to pay what was fair and pay the credit card in full to avoid any further charges and pay more money in addition to interest and my debt. Once again I was denied the credit, i asked the total balance to pay the card in full in order to avoid more surprises on fees ; the same night i made a loan for the exact amount she told me in order to pay it which I did first thing on XX/XX/22 after several days on XX/XX/22 i realized there was a balance of {$32.00} so i called capital one, requested to speak to a supervisor to inquire about the balance and she said the balance was the interest accurate for the amount that was due when i paid the card in full. i requested for her to look at the notes of my previous call on XX/XX/22 when i specifically called about paying the card in full to avoid more surprises and extra fees ; she said there were no notes about that call. after requesting to speak her supervisor to listen to that particular call on XX/XX/22 she said that there were no one else above her, that it was not possible to hear the call and she was taking the formal complaint but there was no one else that could do anything about it. she even said that theres a special statement they must read to customer when making a payment in full ( pay off the card ) which i specifically told her that the supervisor that i talked on XX/XX/22 didnt mention or said anything about it therefore it was important to listen to my conversation with her because she didnt say anything about any possible additional fees. 
after several requests with the supervisor to listen the conversation and transfer the call to someone else to file a complaint she said theres nothing else i can do and then the call was ended. 
i want capital one to listen to my conversation with the supervisor on XX/XX/22 and the second supervisor i talked early on XXXX after charges applied on my account and also want the credit of {$32.00} for my balance to show {$0.00}
Product: Checking or savings account

I opened new checking account PNC bank on or around beginning of XXXX. Everything was good made some larger deposits in form of checks. Fast forward to about XX/XX/XXXX and found out account was frozen ( debit card declined ). No letter no email no nothing simply just frozen. Called many many times and all I got was could be 90 days thats it no chance to prove its all legit nothing. So now they have {$3000.00} approximately and no timeline. I could legit prove each transaction but no one wants to hear. PNC bank
Product: Debt collection

I received a statement from Jacob Law Group , PLLC stating there a debt collector and trying to collect on a debt that I owe. This law firm claims I had an account with XXXX XXXX Bank, XXXX. the original creditor. Now, stating I owe money to XXXX XXXX XXXX. I disputed all claims that Jacob Law Group , PLLC within my 30 days. I have also reported this account to the Federal Trade Commission and spoke with my local XXXX XXXX office in regard to Jacob Law Group , PLLC. I have included all correspondence for your review along with a copy of my identity theft report.
Product: Checking or savings account

Account was always overdrawn for unknown reason its an old account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax didnt verify bankruptcy case Id # XXXX correctly. They verified it thru a third party vendor and not the bankruptcy court. As I advised they are reporting incorrect information as I am still getting collections from debts that were included and they didnt provide physical proof of this debt and how they verified it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I notice XXXX XXXX XXXX, who claimed I owe {$29000.00}, and reported that a charged off / " Paid, Closed {$29000.00} written off, '' comment. I have never own a XXXX vehicle or purchased a vehicle from any XXXX dealerships. I have requested on several occasions to remove this item from my credit report or place it in Dispute status, they refuse to response back. I am requesting that all negative responses be remove and updated immediately, including comments like these : " derogatory, Charged off as bad debt, etc. '' I am also requesting validation, made pursuant the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. along with the corresponding local laws. Please note that I am requesting " validation, '' that is competent evidence bearing my signature, showing that I have ( or even had ) some contractual obligation to pay. Please also be aware that the negative mark found on my credit reports from your company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. Pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 10 days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of XXXX XXXX in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Desired Resolution / Outcome : Failure to respond within 10 days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of {$15000.00} in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Also, that all derogatory and negative marks / responses be remove and updated immediately.
Product: Checking or savings account

On XX/XX/scrub> 2025, I discovered that U.S. Bank had closed both my checking and savings accounts without any prior notice or explanation. The total balance in these accounts was {$4300.00}. I immediately contacted U.S. Banks customer service multiple times to understand the reason for the closure and to request the release of my funds. However, I did not receive a clear explanation or any information on when my funds would be returned. 

These funds are critical for covering my essential living expenses, including rent, utilities, and bills due this month. Without access to this money, I am facing severe financial hardship. 

I am requesting immediate intervention to ensure that U.S. Bank returns my funds promptly. The lack of communication and failure to release my money is unacceptable and has placed me in a difficult financial situation. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a twin and my twins car loan is on my account the company is Wells Fargo Dealer Services it was opened XXXX 2017 for XXXX.
Product: Credit reporting or other personal consumer reports

I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account immediately for violation of 15 USC 1681e ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

im an id theft victim. 
these items do not belong to me u s bankruptcy court opened XX/XX/2012 XXXX XXXX XXXX {$5300.00} ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  {$2200.00}
Product: Debt collection

On XX/XX/XXXX I moved out of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and did final walk-through of apartment along with handing in my keys. XXXX XXXX never sent my apartment deposit back {$1100.00} and also never forwarded a final closing statement to me at my new address in XXXX XXXX which I gave them. ( I paid all my rent that was due at time of move out. ) They specifically asked for my forwarding address. 
On XX/XX/XXXX I was notified that I have a new collections account by credit report alert Fair Collections & Outsourcing ( XXXX XXXX ) for {$670.00}. I have never received any statement about this debt.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding a charge off on my account that is in violation of the Fair Credit Reporting Act ( FCRA ) section 15 USC 1681. This section of the law states that inaccurate or outdated information must be promptly removed from a consumer 's credit report. 

The charge off in question is invalid, yet it continues to negatively impact my credit score and financial standing. I am requesting that this inaccurate charge off be removed from my account immediately to ensure compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

I recently became a victim of identity theft due to a crime being committed using my identifying information. Transactions were made without my consent or knowledge which caused my identity and credit standing to be compromised. The account that is the result of identity theft is XXXX XXXX XXXXXXXX. I am seeking remedy and giving notice to XXXX XXXX, Equifax, and XXXX to do what is fair and equitable to me by blocking, deleting, and removing the entire account and its details from my credit report.