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

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I really checked my credit report and saw accounts reporting that I did not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Here is the list of account/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/15 Balance : {$2100.00}, According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried unsuccessfully to get my annual free credit check from Equifax for many years. I've never been able to get it from them. ( The other two companies never have a problem. ) Equifax makes you go through the entire process online, pretending that it will be sufficient, and then claims they can't provide the report after all. This is a basic issue that has been going on for years.

But this year, in the process of answering the security questions, both on the government access webpage and Equifax 's own website, every question they asked was about various car loans/leases and mortgages taken out in the past 3-4 years. We haven't done any of that. So every answer to their security questions was " none of the above '', which is very suspect. And as a result, Equifax will not allow any inquiry or dispute, because the security answers don't match and so we keep getting error messages no matter what we do. Long story short : I've tried to report what appears to be fraud/stolen identity to Equifax, both by phone and website, and they refuse to take the information or look into it, or provide me with proof of what they have under my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Your Address ] [ City, State, ZIP Code ] [ Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : Dispute of 30-Day Late Payment Reporting for XX/XX/year> To Whom It May Concern, I am writing to formally dispute the reporting of a 30-day late payment for XX/XX/year>, as furnished by XXXX XXXX XXXX to XXXX and TransUnion. This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ) and related regulations, which require furnishers of information to provide timely and accurate notice to consumers regarding negative information.

Violation of Notice Requirements Pursuant to Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) and 12 C.F.R. 1022.7, a financial institution must provide notice to the consumer no later than 30 days after furnishing negative information to a credit reporting agency ( CRA ). Specifically : After providing the initial notice, the institution is not required to send additional notices if subsequent negative information is reported about the same account or transaction. 

XXXX XXXX XXXX failed to comply with this requirement. I did not receive proper notice within 30 days of the negative information being furnished to XXXX and TransUnion. This failure to follow federal law has resulted in inaccurate and unfair reporting on my consumer credit file.

Request for Immediate Action I demand that XXXX XXXX XXXX : XXXX. Remove the 30-day late payment for XX/XX/year> from XXXX and TransUnion. 
XXXX. Provide evidence that the notice of negative information was sent to me in compliance with 12 C.F.R. 1022.7 and 15 U.S.C. 1681s-2 ( a ) ( 7 ). 

Failure to comply with this request will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing remedies under the FCRA. 



Conclusion XXXX XXXX XXXX failure to adhere to federal law has caused significant harm to my creditworthiness. I request immediate rectification of this matter to prevent further damage.
Product: Credit reporting or other personal consumer reports

Around XX/XX/2024 I was made aware someone used my information to try and open accounts. I also was made aware other accounts were open and sent to collection. Original account holders are XXXX XXXX XXXXXXXX XXXX XXXX other account is XXXXXXXX XXXX XXXX  is another account that was done fraudulently.
Product: Credit card

On or around XX/XX/year>, my credit report was pulled for a mortgage application and a tradeline with this company appeared as a charged off account and sold to a third party debt collector. I contacted XXXX XXXX XXXX to find out about this tradeline as I had not opened an account with them because I had had an account with them many years ago that was taken care of but because of the issues I had I swore them off. Originally there were 2 accounts under XXXX on my report and when we discussed the issue, one account was deleted as fradulent, but this one has remained. I am aware of my financial responsibilities, but I am not happy about being responsible for a debt that I did not apply for. I have contacted this company multiple times and disputed them with all three credit bureaus and this debt comes back verified every time, but I have yet to receive anything from this company authenticating this account as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I have contacted XXXX  transunion and XXXX about this account nothing has been done the information across all three companies is different. I have asked for investigation and re-investigation and they are not investigating the matter
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 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 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.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP FRIDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX XX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I am required to pay, at this time for a debt that I did not incur. Citibank failed to properly secure and protect me from Identity Theft. I received a letter from Citibank notifying that I had unusual activity on my card or activity not familiar with my habits. Turns out, they mailed me a Citibank XXXX, via Brooks Brothers department store. I NEVER received the card. To date, no card. Activity for a XXXX store. My cell phone accounts are with XXXX. I have never had any business with XXXX. 
There were two transactions on the same date ; for {$130.00} and {$840.00}. I explained to the representatives, twice, that I received no card. Also, the first person that I spoke with in XXXX or very early XXXX explained that the card was verified and pin requested. I have other cards through Citibank and have never asked for a PIN on a credit card for this very reason ; not enough protection when issued via phone. 
They sent me a billing statement indicating that I owe {$130.00}. I owe NOTHING. At the first call, because they did not protect me, I advised the person to cancel the card. Not sure if they did. Also, they indicate on the billing statement that the card ends in XXXX, but the charges are for a card ending in XXXX. Not sure why two diff erent account numbers on one statement? Need an explanation. Citibank messed this up. As a bank, it appears their controls to protect customers using a PIN failed.
Product: Bank account or service

Bank of America abruptly closed my account and kept my funds.I woke up XXXX XXXX XXXX 2015 only to find out my online banking access was disabled.I then traved to my nearest Atm to try to withdraw my funds only to find that my card has been blocked. I tried calling but all i got was scripted message from the CSR with no real explanation. These are terrible business practices and down right discriminatory.
Product: Checking or savings account

I applied for a job on IXXXX  and the guy named XXXX XXXX emailed me referring he was from Indeed and was offering me the position. The job was for a personal chauffeur. He sent a check for me from his company, I looked it up to make sure that it was a real company in which it was. I took the check to the bank which is XXXX XXXX XXXX XXXX. I told the teller about the job and that I wasnt too sure about the check but I applied on Indeed for the job. She said they would hold it for 2 days to make sure it was verified. Next thing I know {$200.00} and {$3800.00} was coming out of my account from Cash App to someone named $ XXXX. XXXX   and I tried contacting cash app and they were no help at all. They just give you the run around. Bank account went into negative by $ XXXX. I had to file police report and get a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I raised a dispute ( that's a dispute on a closed dispute that was ruled in my favor ) with TransUnion. They solved the error but sent me a report that's completely unreadable. 

Even before credit reports, they have added a paper saying that I've to pay {$10.00} to purchase credit score. 

They updated the status of my dispute results to 'Unknown '. I have no clue how to read that unless I purchase their report. 

Seems TransUnion 's money-making method is to report something wrong, make people pay to resolve. If they don't pay, send them a dispute resolution report that you won't understand without paying. You will understand only if you pay them money. Such a cheap monetization method. 

The resolution document mentioned I can ask TU to send my credit report and score to those that received my report in the last 6 months.

When I contacted TU, they say that it's not possible. Using credit monitoring service from the credit card company is the way to update my new scores at my credit card companies.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach. I recently realized that I was a victim of identity theft when I recently viewed a copy of my credit report. I noticed that the address on my credit report was incorrect and I recently contacted the credit bureaus in having this fixed. 
On my credit report there is a charged off account from XXXX XXXX / credit cards. 

I never applied for or got a XXXX XXXX XXXX. Neither have I ever applied for any other XXXX XXXX XXXX
Product: Consumer Loan

Heights Finance put a judgement back in XX/XX/XXXX i was getting a divorce at that time and could n't pay the billing. They did n't start garnishing my wages until XX/XX/XXXX I believe they intentionally waited to garnish/contact you until the debt was almost out of statute in order to accrue as much interest as possible - I have had the same phone number for a number of years. This month in XX/XX/XXXX the garnishment was terminated because Heights Finance profit and Loss did n't give the balance to them since the garnishment. I called profit and loss several times to resolve this matter before they go and file another garnishment and I have tried contacting them several times to see what your options are here and no one will even return your call. My first call was XX/XX/XXXX XXXX spoke with XXXX and she said the manager was on vacation would be back XX/XX/XXXX. So then i called on XX/XX/XXXX and XXXX and spoke with XXXX she said the manager just came back from vacation and has n't looked at his emails or files as of yet. They would call me. then i called again on XXXX at XXXX spoke with callie again and she said the XXXX has n't reviewed my file yet. I have tried to resolve this. But nothing seems to be happening. The Loan was XXXX that was for the judgement now they are wanting XXXX. I am trying to pay this but i do not think it is fair that they just now garnished it in XX/XX/XXXX. I understand i do owe this but at the time i just became a single mother after the divorce with XXXX kids. Now i can pay this but not XXXX! thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - account charged off and paid in full. Credit agreed to remove from file XXXX XXXX XXXX - paid in full closed, creditor agreed to intent to delete from file
Product: Credit card

I have recently opened a Southwest Credit Card with Chase. As I opened my account and set up payment options online, I have initially by mistake chosen minimum payment on auto payment option which I realized after the first billing cycle. Immediately after realizing that, I changed my auto payment option to full payment and contacted Chase to see if they can waive the interest fee that was charged on the account since I only paid minimum requirement. The call center representative was not cooperative at all on the phone and did n't waive this fee when banks that I used credit card before had been cooperative when I had a similar issue before. Since then even if my full balance amount was deducted through auto payment, I continued to accrue interest rate which suggested me that the auto payment option was not paying my full balance and interest continued to accrue. I recalled the call center to explain the situation and the representatives were n't cooperative again. I will be closing my account with Chase but since this will impact my credit report, I wanted to file a complaint about this matter.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the c
redit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Money transfer, virtual currency, or money service

PayPal restricted my account from sending and withdrawing funds, which I believe is due to mistakenly sending the money under 'XXXX XXXX XXXX XXXX ' instead of 'XXXX XXXX XXXX XXXX. ' They said they would email me the reasons for the restriction, but I have not received any communication from them. The total amount of funds in my account is {$170.00}. Before permanently limiting my account, they asked me to submit some documents, including my National ID, proof of residence, bank statement, and an explanation of some of my previous transactions, including those from my XXXX  and XXXX of my friends. 

My XXXX, XXXX XXXX, sent me {$44.00} on XXXX XXXX, 2024, for my father 's XXXX, and I provided proof, including receipts and the doctor 's prescription. The other amount, {$55.00}, was sent by my friend on XXXX XXXX, 2024, as payment for XXXX weeks of work as an XXXX XXXX XXXX for XXXX. I also provided proof of payments that the company sent to her email. I understand there are policies, but we did not engage in any illegal activity. I earned the money working as an XXXX XXXX XXXX. 

I urgently need the funds for my tuition fee and for my father 's XXXX XXXX Therefore, I am requesting that the money be released immediately. I will be more careful next time in terms of sending funds. I want to complain because I believe it is unfair to hold my funds for XXXX  days just because we did not know how to navigate the online app. Your help in this matter is greatly needed and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt is with XXXX XXXX XXXX. The debt was paid however was sold to another creditor and is reporting false information on my credit report implying that I never paid and still owe. The false information should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my Credit Repair Company XXXX XXXX XXXX XXXX  sent XXXX dispute letters to Transunion to the following companies : XXXX. XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion never responded with information requested concerning my Credit Report with the Company nor me, but instead sent me a letter mailed on XX/XX/year> explaining I could file disputes without a Credit Repair Company to save money and wanted me to Start a New Dispute. I have attached the letter.
Product: Checking or savings account

I attempted to transfer {$2000.00} from my Marcus by Goldman Sachs account to an external account for a XXXX XXXX payment on XX/XX/XXXX. On XX/XX/XXXX the transfer was reversed by Marcus with no explanation. I called them XX/XX/XXXX and XX/XX/XXXX respectively and was not given helpful information or a timeline for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a hard inquiry was pulled by JPMCB Auto finance, an unauthorized user. This is fraudulent, I've never authorized nor consent to have my credit checked for no loans, or new credit lines. This act has damaged my credit and countless hours of frustration to have this matter handled.
Product: Debt collection

I initially filed a complaint with this company. I asked for information verifying the debt. I received information such as a bill and invoice information. However, I do not recall this debt in question. Now, I am asking for validation of this debt. I need a document that shows my signature stating that I owe and will pay this debt to this company. I do not recall this debt. I have attached a letter stating the information needed.
Product: Debt collection

The debt is past the statue of limitations and its also older then 7 years. I have disputed and asked for it to come off all the credit reports and somehow it has stayed on. its over 7 years old.
Product: Debt collection

They are calling people I know asking for them to give them my location information
Product: Student loan

I have applied for PSLF through Mohela. The process has been totally awful and the service is completely unacceptable. I initially applied for forgiveness in XX/XX/2022. I was told it could take 90 days to approve the forms. I waited patiently for 90 days and heard nothing then decided to call them, only to find that they decided to CANCEL my application for NO REASON whatsoever. My form was marked 'duplicate ' and that apparently triggered somebody to cancel the entire application without any explanation or any notification to me. Nobody could provide any information about what happened or why. I had to have the application process started again. I have waited on the phone for hours and hours to speak with supervisors ( on average 1.5hrs wait time each time ). Nobody on the first line of customer service seems to have any information or any ability to fix things and reaching a supervisor involves dedicating hours to just stay on hold. Six months in now and they have only processed PART of my employment dates only, despite all of the info being submitted at exactly the same time. I was told today that it may be ANOTHER 90 days just to update the rest of the payment counts correctly, even though I'm told the forms themselves have been technically approved. This service is completely unacceptable. People 's financial lives depend a lot on these situations, from obtaining credit, obtaining home or car loans, being able to work in specific jobs, etc. etc., and the level of service being given to such a serious part of people 's lives is totally inappropriate. Today I would specifically point out an online customer service representative XXXX, who was especially unhelpful and would just say things like " Like I told you already, we're working on it ''. Thanks a lot XXXX. Thanks a lot Mohela.