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

I recognized on XX/XX/XXXX that there was a delinquent account that was listed on my credit report. I started looking into the account with adverse information and immediately recognized that it was a credit card that was fraudulently opened using my name and some of my information. I contacted the credit card company ( XXXX XXXX in order to initiate a dispute and to cancel the card. They were unable to verify my identity at first because a different zip code from where I live was used to open the card. A XXXX, TX zipcode ( XXXX ). I have lived in Iowa my entire life and have resided at my current residence since XXXX of 2018 in XXXX Iowa ( XXXX ). I finally got through to the fraud department where they tried to verify the card based off of me recognizing some of the transactions, which I obviously did not recognize. I was asked if I recognized the authorized user on the account and it was a name I had never heard before. I was told that they would open an investigation and close the card since it was already delinquent with a past due bill. I placed a credit freeze on my accounts through all three credit reporting agencies as well as started the dispute process with all three agencies XX/XX/XXXX. I had not heard anything after a couple of weeks so I reached out to the credit card company as well as the XXXX credit reporting agencies. The credit card company claimed that they verified that the account was mine based off of my name and phone number, but no other means of verification was used. They also mailed the confirmation of their findings to the address that was on record, which was the Texas address that is fraudulent. The XXXX credit reporting agencies have all answered me with the same answer, that due to the credit card company verifying that it was me they also claimed that the credit card was mine. I have not been to Texas in over XXXX years and have never lived there, I have never been to a XXXX XXXX, and I have never held a XXXX card . I keep getting the same answer from all XXXX sources that they claim the card is actually mine and that I am liable for the delinquent balance. I have submitted supporting documentation to all XXXX agencies ; Drivers license with my accurate address, a financial account statement with my accurate address, The Federal Trade commission IdentityTheft.gov report, as well as my XXXX bill with my accurate address and it also reflects my phone number as linked to my XXXX Iowa address. I have not received confirmation or receipt that they have reviewed my submitted documents from any of the XXXX companies. I spoke with my local bank and they advised me to submit this complaint in hopes that further investigation steps will be taken outside of just my name and phone number. There seems to be no actual investigation process is taking place with any of the companies and my credit score is what is suffering.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 15 u.s.e 1681 section 604 A 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the accounts below 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

I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter. The first dispute was mailed XX/XX/2023 and the second was mailed XX/XX/2023. We are in the month of XX/XX/2023 and still no response from reporting agencies. I have rights as a consumer and demanding a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act Account # : XXXX, Account name : XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX  with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card or prepaid card

I have my amazon store card on autopay and I am not as diligent as I should be checking my monthly balances, however I recently noticed a fee for card security that has been adding a percent to my balance for the last 10 years, and I have been paying interest on it. 
When I tried to resolve the issue with Amazon and asked for a refund l was given a partial refund because it was passed the 90 days of joining. Apparently they snuck it in when I applied for the card and I am not sure how Im only seeing this fee now, however its a service I never wanted and never agreed to.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

Bankruptcy XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX bankruptcy
Product: Payday loan, title loan, personal loan, or advance loan

I was out of work for 4 months and need a survival loan just to pay my rent/bills. I panicked and now realize the interest rate is insane and I will pay almost double the loan for my survival. I wish I could take it back. XXXX now needing to pay XXXX. XXXX I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score and I saw several accounts and addresses that are not mine. I will list all the accounts and addresses from each credit bureau below : XXXX : Account Name : XXXX   XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX  : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name:01 XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name:08 XXXX XXXX 201 Account # : ,XXXX Date Open :XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX , GA XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  fraudulent accounts : Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX  : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX  Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent XXXX address : XXXX XXXX XXXX XXXX XXXX, GA XXXX   XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Transunion fraudulent accounts ; Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX Account # XXXX  : Date Open : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : Account Name : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX XXXX, Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Account Name : XXXX XXXX XXXX Account # : ,XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} Fraudulent Transunion address : XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just noticed on my recent XXXX  credit report and also when I pulled my credit on XXXX XXXX that Honda Financial Services is NOT reporting my paid loan which I have had with them and paid on time for three years now!!! They were reporting it!!! This is causing my credit score to drop as it looks like I have only had credit established for a year and a half which is untrue and it is also pulling my score down due to looking like I don't have a auto loan plus my perfect pay history for this amount of time is also pulling my score down, which is causing me to have to borrow at subprime rates when I have paid perfectly for most of my life!!!!! 

I am going to sue them and all of the credit reporting agencies and WILL contact XXXX XXXX to help me do so if they don't get my accounts corrected NOW and going forward!!! it is the CFPB 's job to make sure they are all reporting correctly and if they do not to sue them themselves and fine them for breaking the FCRA!!!! FIX MY REPORTS and sent me a physical copy of each report from XXXX, XXXX  and XXXX  showing all is correct as well as a copy to the CFPB for my file with them, do not close this complaint until all is correct!!!!!! This will be the last car loan I will take out with Honda Financial Services due to all of the problems associated with it too!!! I want the credit reporting agencies held accountable for their mistakes as well, financially!!!!!
Product: Credit card

after speaking with a XXXX . XXXX from Citi card, i 'd still like to know if Citi Card was justified when asking me for additional information regarding my personal accounts. Upon Upon When accepting citi card we had agreed to personal information that would let Citi card know they were in deed speaking with me. However, upon trying to activating my credit card at which time, I was asked for information we had n't agreed to as whys of identifying me as their card holder, we had also agreed too other means of identying me. Does Citi card have a legal right to ask me about my checking accounts as well as my credit card account when this information was not give to them as a means of identification me when I open my account Citi Card.
Product: Credit card or prepaid card

Application # XXXX, I believe was denied because of my XXXX preference, I am married to another man. 
Also, i believe that I am being discriminated against because my application was denied due to the fact that I am permanently XXXX and receive XXXX XXXX retirements from the Federal government.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$4800.00} ; XXXX XX/XX/2021 XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$2400.00}
Product: Student loan

Submitted for public loan forgiveness multiple times after completing 120 qualificating payments. It has been over a year and I have not received any communication or confirmed relinquishment. Added frustration lender changed and presidential promises not fulfilled for and to the commitment.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, I discovered the following accounts that I did not authorize, open, or have any association with : XXXX XXXX XXXX Account Number : XXXX Amount : {$1500.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$640.00} Opened : XX/XX/XXXX These accounts were not opened by me, and I have no knowledge of these debts or transactions. I have taken steps to secure my personal information and believe these accounts are a result of fraudulent. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX has been reporting incorrect information on my credit report. They received 92 % of the loan from my insurance ( car was totaled ) and reported that no payment was received within 30 days. They placed 3 late reports on my credit, for the month of XXXX - I was told if I do not make the a payment by XXXX then XXXX payment would be considered late. XX/XX/2023 I paid the balance completely off of {$1700.00} and it was reported to my account that I was late. The person I spoke with that gave me that information then stated I never said that which I asked for the recorded transcripts because that was what was stated to me. My payments are due on the fifth of each month, I have recording of her stating that. They are continuously putting late payments on my report when money was received. I would like to take this a step further and bring it to courts. This has been the shadiest bank that I have encountered, everytime I spoke with XXXX on the phone it was different rules or more things I needed to pay for. Please do not bank here! I even ask to speak to the CEO which they refused to give his email or other information. XXXX has been the absolute worse to work it. She lied each time we were on the phone. How can my payment be 30 days late in XXXX when my next due date was XXXX and I paid it off. She made it seem like she did me a favor by waiving late fees and other fees when my account was reported late. 


I have a video recording
Product: Debt collection

Med-1 Solutions have constantly sent me letters and called me in claiming to represent XXXX XXXX XXXX in effort to claim/collect a debt. Ive requested for them to validate this debt. Ive expressed to them that Ive given no permission for anything regarding my medical information/records to be shared ; their advances & pursuit violate the HIPPA. I expressed that I will be sharing this information and their negligent acts with the CFPB and may escalate it to the Office for Civil Rights and the Attorney General if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. HERE THE FTC # XXXX
Product: Debt collection

I XXXX XXXX have contacted all credit bureaus disputing debt as this is not my debt and should be deleted from my credit reports. The company Vance and Huffman ( debt buyer ) is now illegally in an attempt to collect the debt by re-aging the debt reporting to the credit bureaus. This is not my debt ; this debt is fraudulent. 

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

Experian is preventing me from submitting a dispute regarding outdated accounts that need to be removed from my credit report. In addition, there are two hard inquiries on my report that are not disputable online and need to be removed from my credit report. They are the following : XXXX XXXX/XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the statue of limitations. Also there is inaccurate payment dates. The last payment states XX/XX/XXXX but shows positive payment for XX/XX/XXXX. You failed to investiagate this account properly and your neglect has violated my rights. I am demanding a deletion of this account from my credit report.
Product: Credit card or prepaid card

I purchased in XXXX store on XX/XX/2023 with this XXXX gift card for {$500.00} dollars, and they suspended my car for first time used online, then I called them they said they will send me a new card, wait for 7-10 business days, but after that period I have still not received my card in the mail. I keep doing same thing called them to get my replacement card more than 5 times, and until now I have still not receive my card, all their agent do is escalating my case but never get any update why this replacement card is unable to deliver. and this company do not give any case number to me, I suspect they doing this on purpose. 
they told me the gift card number is my case number
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XX/XX/XXXX PROCOLLECT , INC XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX Dear Sir/Madam, I am writing to formally dispute the following information on my credit report, which I obtained from XXXX on XX/XX/XXXX. I believe this information is inaccurate or incomplete, and I am exercising my rights under 15 U.S.C. 1681 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute information that is incorrect, incomplete, or unverifiable.

The item ( s ) I am disputing is/are as follows : original creditor : XXXXXX/XX/XXXXXXXX TXX/XX/XXXX for {$2900.00} ( account number : XXXX ) I request that you thoroughly investigate this matter and verify the accuracy of the information being reported. Under 15 U.S.C. 1681 ( a ) ( 6 ) ( B ) ( iii ), you are required to complete your investigation and inform me of your findings. If you are unable to verify the accuracy of the disputed information, I ask that it be removed from my credit report in accordance with the FCRA.

Please provide a written response outlining the results of your investigation. If the dispute is resolved in my favor, please update my credit report accordingly and send me a revised copy of my report showing that the inaccurate or incomplete information has been corrected or removed.

Thank you for your attention to this matter. I look forward to your prompt response. 

XXXX XXXX XX/XX/XXXX
Product: Debt collection

It's been brought to my attention that TRANSUNION has violated my rights as a consumer. According to 15 USC 1681b ( A ) - " Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other '' One of the circumstances is 15 USC 1681b ( A ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates ''. Which means that any item of information on my consumer report can not be placed on there without my written consent, I am requesting that TRANSUNION provide me proof of my written consent ( permissible purpose ) giving them permission to furnish these piece of information. 

COMPANIES : DATES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous attempts to address the fraudulent items on my credit file. Despite our prior correspondence and my persistent efforts, it appears that the fraudulent items have not yet been removed. 

I kindly request that you escalate this matter and undertake all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 XXXXXX/XX/XXXX.