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

On XX/XX/2022 I filed a complaint with Experian about a fraudulent account that was closed from XXXX  XXXX  for {$66.00}. This account was not mine I have sent information in to XXXX  XXXX  and they have responded by saying that they have no record of my account yet it's still on my report meanwhile the same closed XXXX  XXXX  {$66.00} account was showing on different bureaus reports they have been removed this XXXX  XXXX  is not my account XXXX  XXXX  doesn't even have information for me please take this from my Experian consumer report there is no record on file original documents saying that I opened this account and signed to open this account my signature is not on any XXXX  XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a recent victim of identity theft. my information was exposed in multiple company breach 's. shortly after the breach i started getting all kinds of credit inquires. i would like for XXXX, Equifax and XXXX to remove these fraudulent inquires asap. the inquiries are as follows. 

XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage SER 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, credit repair services, or other personal consumer reports

When I reviewed my credit report again, I discovered that some of the information that is still erroneous. The accounts should be verified since I sent letters back on XX/XX/2023. Again I am redisputing in order to correct the accounts that linger on my credit file/report. 
XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$12000.00}
Product: Prepaid card

I purchased a {$50.00} gift card for XXXX gas stations, and I purchased it through Affirm. 

The original purchase took place on XX/XX/year>, and I was supposed to get the gift card in my email within 24 hours. 

A link appeared in my email 2 days later, but there was no gift card in this link. 

I spoke to customer service at Affirm, and they told me to contact XXXX directly. 

I called XXXX customer service to inquire about the card, but they said they have no record of the transaction taking place as the purchase was not made directly through them, but through Affirm. 

They told me Id have to resolve the issue with Affirm. 

I spoke with Affirm again, let them know what XXXX said, to which they said Im still responsible for paying for the gift card even though I havent received it. 

At this point, I requested to cancel the order and refund my initial payment of {$12.00} I had made on the gift card, to which they refused. 

I requested a call from whoever was in charge at Affirm, and I was ignored. 

Affirm states that I have to contact the merchant directly in regards to any issues and/or returns before they take any action. I did this, and they are still refusing to refund and cancel my order despite XXXX having no record of the transaction, and also despite me still not having the gift card over a week later.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Vehicle loan or lease

My husband and I are victims of and had our rights violated after my husband ( who at the time was an XXXX XXXX service member ) received a XXXX $ auto loan from Navy Federal Credit Union ( which was his bank during his military service ) who then started harassing us a year after receiving the loan because we fell a month or two behind on payments. Navy Federal Credit Union began making false threats about debt collection against us, and made multiple threats to us stating " pay or be sued! '' Navy Federal wrongfully froze us out from our account all because we had a delinquent loan. Navy Federal Credit Union ruined our credit as they reported it to go on our credit reports and also added on a large amount of fraudulent fees to the delinquent loan which made our credit report appear very poor and it caused years of living of denial due to our negative credit rating thanks to XXXX XXXX. The overwhelming harassment and threats started in XXXX up until XXXX. We have our credit reports to prove this as well as a few other documents to prove we were violated by Navy Federal Credit Union. We believe we are owed money and were never properly notified due to recent moves and believe we are entitled to the settlement XXXX XXXX was ordered to pay out to customers violated. Please contact XXXX or XXXX XXXX at XXXX or by email at XXXXXXXXXXXX. our address is XXXX XXXXXXXX XXXX, XXXX Ohio XXXX.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I kept getting alerts from my credit report saying there was past due payments on two different bank of america credit cards. When I went to look there was two credit cards opened up in XX/XX/XXXX and XX/XX/XXXX. It looks like XX/XX/XXXX is when those " payments '' fell behind and I am now being notified. I had a bank of america bank account that has been closed in either XXXX or XXXX and I have not had any credit cards with that company since.
Product: Credit reporting or other personal consumer reports

Equifax What happened ( statement of pertinent facts ) : Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Date XX/XX/XXXX 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 Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, ga XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX ga XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXXXX/XX/XXXXXXXX XXXX ga XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX by XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, ga XXXX Phone Numbers : XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX university XXXX XXXX co XXXX XXXX XXXX XXXX accounts opened at Creditor : XX/XX/XXXX on XX/XX/XXXX under the account number XXXX ( XXXX ) Creditor :XX/XX/XXXX on XX/XX/XXXX under the account number XXXX ( XXXX ) Creditor : XX/XX/XXXX on XX/XX/XXXX under the account number XXXX ( XXXX ) Creditor : XXXX XXXX on XX/XX/XXXX under the account number XXXX ( XXXX ) Credit line accounts opened at XXXXXX/XX/XXXX on XXXX, XXXX under account number XXXX ( XXXX ) Lines of credit accounts opened at Creditor : XXXX XXXX XX/XX/XXXX on XX/XX/XXXX under the account number XXXX ( $???? ) Bankruptcy - XXXX XXXX under account # XXXX Hard Inquiries at XXXX XXXX on XXXX, XXXX, XXXX XXXX &XX/XX/XXXXXXXX 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 # ( private case number ) 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 or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to XXXX XXXX XXXX, SectioXXXX XXXX XXXX XXXX XXXX, I have the right to privacy. Furthermore, under XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX states that no consumer reporting agency XXXX include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ), no person shall 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. Additionally, according to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX apparent amount of XXXX re : account # XXXX ( from XXXX   credit report as obtained on XX/XX/XXXX Credit reporting Agencies : experian and XXXX Date Credit reports Ran XX/XX/XXXX ( experian ) andXX/XX/XXXX Called XXXX XXXX XXXX, no information given other than the account not belonging to me.

The {$15000.00} from XX/XX/XXXX does not belong to me ( new and just starting to build credit ). XX/XX/XXXX thru inaccurate reporting to experian and XXXX caused me pain and suffering, denials to credit applications, financial opportunities that require credit history check. ( XXXX   was accurate with no apparent {$15000.00} charged off/collection documentation/report ) Humbly requesting to have inaccurate damaging information be expunged so as to further avoid my credibility, suffering, severe anxiety and loss of financial opportunities be halted.
Product: Debt collection

On XXXX XXXX, & XXXX of 2018 Approximately {$6000.00} of charges were made fraudulently on my XXXX XXXX XXXX card. Those charges were made in XXXX XXXX, CA. 
At that time I was in North Carolina and have bank statements and flight tickets to prove it. XXXX XXXX has denied 3 fraud claim attempts and refuses to restore my account. My credit has been absolutely devastated in the meantime. I followed all of their fraud guideline requests including : Providing current bank statements, Providing a digital scan of the front and back of my driver 's liscense Providing social security card They will not listen and refuse to address the fraud!
Product: Mortgage

I purchased a new home on XX/XX/2022 ( VA loan ). I am a 100 % XXXX veteran. I am tax exempt. However, the mortgage company refuses to accept my tax exemption. Ive sent my VA XXXX justification, the tax exemption from my countys appraisal district, and a tax bill. Ive payed the principle, interest, and home insurance on the bill. However, I have not payed the taxes. I can not afford it. The whole process through my mortgage broker to my realtors were aware of my tax exemption and budget. Ive been going back and forth with this company since I purchased the home. To no avail. Please help. Thank you so very much for your time and consideration in my situation.
Product: Bank account or service

XXXX Citibank offered a {$400.00} bonus for opening a checking account and funding within 30 days. Citibank reneged on this promise. XXXX I submitted funding request together with account application. Despite the fact that I have been a customer for last 20 odd years, Citibank demanded further proof of address. This delayed their completion of EFT funding to 32 days. Now Citibank is denying payment of promised {$400.00} bonus.
Product: Student loan

Throughout the life of my student loans I have had several years that I was encouraged to go into forbearance by the loan provider, as I couldnt afford payments. Now I am learning that throughout that time frame, had I even made partial payments they would have counted towards my 120 months for my public service loan forgiveness. I feel as though I was misguided with this and in the long run jipped of a huge amount of time that could have been taken off my loan payment time!
Product: Payday loan, title loan, or personal loan

received loan for XXXX XXXX dollars u.s. and being charged almost 200 % interest and possible fees on the balance to pay off. Would like to resolve loan balance but not the excessive fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would XXXX XXXX  to receive inquiries that I never seen in my report
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : SS # : XXXX and account reported from : 1. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

4. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

5. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

6. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 



ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENTS ( S ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
Product: Mortgage

I am a long time ( about 10 years ) mortgage customer with Wells Fargo. All of my mortgage payments were paid on time for more than the required amount. I moved to another state within the last couple of months. During the movement time a payment was missed for my mortgage. When I received notice from Wells Fargo, that is was late, it was already beyond the 30 days. So they reported me to the credit agencies. I paid it as soon as I received the notice. I also paid the late charge. Wells Fargo is refusing to consider removing the mark on my credit for this XXXX and only late payment. What makes it worse, is that it drops my credit score by XXXX points. Now making me not eligible for a mortgage loan. I would not think even Wells Fargo would intent to cause this much harm on my credit for XXXX late payment. 
The house is being sold this month. But I ca n't buy another house because of XXXX late payment. Please help!
Product: Credit card or prepaid card

I am furious!! Discover closed my account ( Account number ending in XXXX ) out of the blue for no real reason. They gave me some XXXX excuse and closed my credit card that I had with them for 9 years. This has injured my credit score because I lost credit age that I worked so hard to build up. THIS COMPANY IS IN VIOLATION OF 15 USC 1637a ( 1 ) because they can't close my credit as a protected consumer. As a consumer, my credit can not be " closed '' because I have the right to credit. This is an open ended credit card account meaning, it did not have a close date. Discover in fact closed this credit card account which was deceptive to me as the consumer. they mislead me into thinking this credit card was open ended, under FDCPA 8012, Discover furnished deceptive forms. I believe they closed my credit account in error, as the original creditor under 15 USC 1692g, I did not consent to this credit card account being closed. I want my cards back with all my years for credit reinstated. They even gave me a brand new card, then months later closed both the new and the old cards. I have always paid my cards on time. I am losing my mind over this, I need Justification.
Product: Credit reporting or other personal consumer reports

I have called multiple times regarding unauthorized inquiry from XXXX. I have not applied for credit and did not authorize this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstpoint collections resolution open XX/XX/XXXX On my XXXX an this shouldnt be not on my XXXX aslo there another XXXX firstpoint collection open XX/XX/XXXX that was open for collection for XXXX have no knowledge of these item I lost my wallet maybe someone used it I dont know but these are wrong on my XXXX report none of this is on my XXXX Im asking to please remove these items please I dispute the items nothing so may time frustrated
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, FIRST MERCHANTS BANK # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Chase Credit card and was denied credit. I immediately called the Chase credit card department at XXXX and spoke with XXXX, got disconnected and later spoke with XXXX, both on XXXX XX/XX/2019, at XXXX XXXX. through XXXX XXXX I asked XXXX for the main reason of denial for the credit card. She stated I had an 18-year-old Bankruptcy against XXXX, that account in question was charged off through the bankruptcy as bad debt, however, JP Morgan Chase recovered most of the money through federal subsidies. Furthermore, it is against the Consumer Credit Protection Act of 1968. to use information no longer listed on my current credit report. I told XXXX that I was only looking for a {$2500.00} credit limit and Chase had no business using old records on file. It took me over ten years to clear the bankruptcy on file and that alone can not be used against me to deny me credit. My credit report is very good, XXXX. I also asked XXXX to please reconsider me for a Chase credit card, In good faith, to slowly build my credit. The Denial letter was sent back to the bank for further review. I have not heard anything as of yet. For them to reconsider their decision. I have a XXXX Credit Score, no outstanding debt, payments are always on time. Thank you for your time.
Product: Student loan

Between XX/XX/XXXX and XXXX XXXX monthly payments of {$270.00} and sometimes more were made however about {$24.00} worth of late fees were charged each month. Between XX/XX/XXXX and XX/XX/XXXX about {$7500.00} of payments were made, but some late fees were still charged. This affected my credit score and our mortgage lender had to get on the phone with Navient to fight with them to take it off because regular payments had been made and it should not have been reported.

Ive attached a photo of the pattern. This continued for about 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my federal Protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, all has violated my rights. 

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

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.