23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 card

Received email about application I didn't put in. Didn't open to look at the link sent to see what happened but I never applied for care credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 

XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$490.00}. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 

XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX  XXXX XXXX. 
I paid off this account but its still showing that I owe a balance. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$3500.00}. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 


Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Checking or savings account

On XX/XX/2024, I was at the XXXX outdoor food festival in XXXX when XXXX high schoolers approached me asking for donations for their basketball team. When stating I didn't have any cash but wanted to donate anyway, one of them offered to input the information in my XXXX for the transaction ( I acknowledge that this was a grave mistake, but at the moment I felt no need to be suspicious of these kids ). When returning me phone, everything seemed normal, but days later I saw that they'd transferred {$2500.00} into an account that has since then been closed, so I'm unable to retrieve those funds from the recipient. I opened a case with the XXXX, who state that this is a modality of scam that has had an increase in the past 6 months. My bank disputed my claim because my login history reveals that I was " responsible '' for the transaction. While I did log into the banking app, this is a transaction that was made criminally and against my will, having been taken advantage of by these scammers. I reached out to the recipient, who claims to have also been a victim of these people, who supposedly hacked her account and used it for this specific crime. The XXXX backs my claims of having been scammed and has filed this case as XXXX XXXX.
Product: Checking or savings account

I tried to get a loan. My personal information was stolen. The bank never told anything about Mobil checks was being deposited and taken out by the Scammers. They did about XXXX of my money out. I had to call and find out. Wells Fargo bank never tried to help me. Kept talking about I did this I told them I dont do mobile Deposit. They refused to try and help me. So that is why I am filing a complaint. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries to my credit report 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  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian 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 XX/XX/XXXX
Product: Checking or savings account

Money was stolen from my account due to identity theft and I am not being reimbursed. A new card was issued under my name in which it was picked up at a XXXX  shipping facility. They then hijacked my esim for my phone which caused me to have to change my phone number not to mention i was unable to make calls with my phone no receive them. The theives proceeded to make outlandish transactions using the new debit card and chase has denied my claims. The person also accepted the charges they made by confirming purchases with my cellphone number and managed to make transfers out of my savings account leaving me with only XXXX cents in my checking and nothing in my savings. I have been a chase consumer for over a decade and this has never happened to me before. My spending history speaks for itself, for I have never EVER even allowed over XXXX to leave my account in one day. I cant believe Chase was so negligent and allowed that much money to come out of my account in less then 2 hours. The spending limit is only {$3000.00} per day so they have a lot of explaining to do. I work too hard to save up that money and it amazes me how chase could let a crook swipe it away in a heartbeat.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Charged-Off Account Dear Sir/Madam, I am writing to formally dispute the charged-off account listed on my credit report under : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed that this account is being reported as charged off which I believe is inaccurate and misleading. 

The Collections account listed on my credit report under : XXXX XXXX XXXX XXXX I noticed that these are reporting as collection accounts which I believe is inaccurate and misleading as well. 

Also, The following inquires are reporting inaccurate without my knowledge : 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  I would like to bring to your attention the following points regarding this account : XXXX. Incomplete or Inaccurate Reporting : The information provided in the credit report regarding these accounts is incomplete and inaccurate. It fails to reflect the correct details of the account, including the original account balance, payment history, and subsequent account activity. I request that you thoroughly investigate this matter and ensure that the information reported is complete, accurate, and up to date. 

2. Verification of Debt : I request that you provide me with the necessary documentation to verify the existence and validity of this debt. This includes the original signed contract or agreement, details of any payments made, and a record of the account 's transaction history. It is my right as a consumer to receive this verification, as stated in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

3. Statute of Limitations : Please note that the statute of limitations for collecting this debt may have expired. I urge you to verify the applicable statute of limitations for this account and confirm whether the reporting of this charged-off account is in compliance with the relevant state laws.

4. Resolution : I hereby request that you promptly investigate this matter and take appropriate action to correct the inaccuracies in the reporting of this charged-off account. If, after your investigation, you find that the information is incorrect, I kindly request that you remove the account from my credit report entirely.

Please provide me with a written response within 30 days of receiving this letter, as mandated by the FCRA. If you are unable to complete the investigation within this timeframe, please inform me of the delay and provide an estimated date of resolution. 

Furthermore, I would like to request that you notify all other credit reporting agencies to which you have provided this inaccurate information about the dispute and the action taken to rectify it. 

I look forward to your prompt attention to this matter and the resolution of this dispute. Please consider this letter as a formal request for investigation under the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Prepaid card

Hello, I was a part of a few class action lawsuits including ( XXXX XXXX XXXX, XXXX XXXX, XXXX ). All claims were paid via MyPrepaidCenter.com. Unfortunately, the company has made it impossible to use any of the cards issued to me. Currently, MyPrepaidCenter has kept every XXXX  I received via these settlements. This is a violation of my rights and a fraudulent company.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX My address is XXXX XXXX XXXX  pl XXXX fl XXXX My email is XXXX Cell number XXXX XXXX Subject : Complaint Regarding Inaccurate Information on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an issue related to inaccurate information being reported on my credit report by [ Name of Credit Reporting Agency, e.g., XXXX and Equifax Despite my attempts to dispute this inaccurate information directly with the credit reporting agency and the data furnisher, the issue remains unresolved. 

The inaccurate information includes the following : Incorrect account balance, fraudulent account, or wrong personal details, trems and agreements Additionally, I have noticed a lack of data reporting from XXXX XXXX, which I believe is critical for accurately reflecting my creditworthiness. The absence of this data significantly affects the completeness of my credit report and my ability to maintain fair and accurate records. 

I have taken the following steps to address this matter : Contacted XXXX on XX/XX/year> and submitted a dispute regarding the inaccurate information. 
XXXX XXXX XXXX-account number XXXX XXXX XXXX LLC-account number XXXX Contacted XXXX on XX/XX/year> requesting clarification and correction of the reported data. 
Despite these efforts, the inaccurate information persists, and no updates have been made regarding the missing data for XXXX XXXX. I believe this violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies and data furnishers maintain accurate and complete credit files. 

I request the CFPBs intervention in ensuring that : The inaccurate information is promptly corrected or removed from my credit report. 
The absence of XXXX XXXX XXXX is investigated and resolved to ensure the completeness of my credit report. 
Attached to this letter are copies of supporting documents, including my credit report, dispute letters, responses ( if any ), and any additional evidence related to this matter. 

Thank you for your attention to this issue. I trust that the CFPB will take appropriate steps to ensure that my credit report reflects accurate and complete information. Please feel free to contact me at XXXX if you require additional information or documentation. 

Sincerely, XXXX XXXX XXXX is the XXXX XXXX XXXX in question
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN Has kept the same XXXX late payments on my account damaging my credit for over XXXX years, and I want XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX CARD, XXXX REMOVED FROM MY EXPERIAN CREDIT REPORT IMMEDIATELY
Product: Credit card or prepaid card

In XXXX 2017, TJX Rewards sent me a new store card that I activated to replace my old store card. I thought it was the same card - only usable at TJMaxx and its partner store. I tried over the past month to log in to my account to check and pay my balance but the card was not listed on my account and it said my old card had expired. 

I learned today after talking to customer service : the new card they sent is actually a XXXX that can be used in other stores like supermarkets. I imagine this is now on my credit report. It was misleading to send me a XXXX I did not ask for, since it was disguised as a store card. I do not want my credit report to show that I am opening new credit cards. 

I would like to close the account, but I worry that will affect my credit score. I also suspect that account managers and executives at TJX receive kickbacks for opening XXXX  under the TJX logo, similar to the XXXX XXXX XXXX situation last year.
Product: Consumer Loan

Due to an unauthorized entity gaining my checking account information I advised White Pine Lending that I neede to revoke my previously granted authorization to present ACH debits to my bank. White Pine accepted my revocation and advised me that I had til XX/XX/XXXX to come up with a new payment method. On or about XX/XX/XXXX White Pine declared my loan in default ( mind you the payment was due on XX/XX/2016 ) and has begun to email me multiple times and also calling me multiple times. Additionally I asked the entity to not contact me at work but they have attempted to contact me at work.
Product: Credit card

Wells Fargo Bank reduced my available credit line from {$12000.00} to {$2900.00}. I have a perfect pay history on this ( and all ) accounts. This effectively created a maxed out tradeline, which hurts my credit scoring. I was given no advance warning. This was done because the card was on auto-pay and not utilzed. I am in the process of refinancing my home mortgage and a maxed out tradeline hurts my credit eligibility. 

This practice is inconsistent with consumers ' best interest and harmful to tradeline reporting. This should not be done if tradeline is in perfect standing. 

Wells Fargo refused to restore original credit line without pulling my credit again ( as a hard inquiry ). Pulling my credit as a hard inquiry further lowers my credit rating. 

Very harmful practice to consumers. This is a punitive practice targeting consumers who do n't use the Wells Fargo credit card as often as they would like.
Product: Credit card or prepaid card

I DONT OWN A BUSINESS AND DID NOT APPLY FOR A CARD SICK DURING XXXX FOR A YEAR AND A HALF {$5300.00} DISCOVERBANK XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$600.00} Highest Balance {$5300.00} Monthly Payment {$160.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Dispute resolved ; customer disagrees Creditor Name DISCOVERBANK Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$170000.00} XXXX XXXXXXXX Balance XXXX {$4400.00} XXXX XXXX Balance : {$6.00} XXXX  XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit card

this is a follow up complaint regarding Bank of America. Bank of America is out of compliance of the FCRA and has failed to respond too my previous complaint within 30 days as required. Bank of America has discourage me since I have put in an application for a credit card for my personal family and household needs. I have tried to communicate with Bank of America via email as requested and bank of America has ignored my emails. I still have not received the credit report used for this adverse action nor has Bank of America replied to my reconsideration or given me specific reason of why my credit application was denied. I submitted my application in good faith along with my social security account number and has received no benefits. 
I have uploaded the email that I sent that was not responded, my previous complaint, as well as my reconsideration letter.
Product: Mortgage

My loan was approved for a HAMP modifocation, my loan company accepted the XXXX trial payment plans plus XXXX permenant payment. I then leaned while processing another payment that my modfication was rejected due to paperwork that was never provided to me.
Product: Student loan

XX/XX/XXXX  - Contacted MOHELA customer support to inquire line item detailed as Accrued Interest as of XX/XX/XXXX  ( date of call ). Was informed that this was the amount of interest accrued on the summation of loans from date of issuance of loans. I inquired and questioned this reasoning as the original balance of loans was {$230000.00} with current principal balance of {$300000.00} and a total payoff balance of {$310000.00}. The difference of {$7900.00}, which they were claiming was the accrued interest ; the inquiry for the call. Upon questioning I was placed on hold for them to confer with a supervisor. Was told this was " capitalization ''. I responded with explanation that capitalization would already include accrued interest in balance. After multiple holds was told that I would be given detailed information on loan via mail and confirmed mailing address. To date I have received no information from MOHELA in regards to my concerns, however have since received letter from where I paid off one of the loans. This totaled {$33000.00} ; {$32000.00} ( listed as current principal ) + {$880.00} ( accrued interest as of XX/XX/ ) on an original loan amount of {$24000.00}, which already would have interest on the balance of {$8000.00}, ie capitalization. I was not satisfied with explanation as I would have anticipated that balances would have been in total, current principal, going into the COVID interest freeze period.
Product: Debt collection

I called the debt collector asking for their mailing address to send payment. They not only refused, but insulted the way I was talking to them ( accused me of talking in a monotone voice ). The debt collector, XXXX XXXX, said " I sound like a serial XXXX  '', which I am not. I owe them the money, but this debt collector can not disrespect me on the phone. Their phone number is XXXX. This is not acceptable, to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian on the evening of XX/XX/2020 to inquire why my credit score had dropped 17 points from XXXX to XXXX on XX/XX/2020. Their representative was unable to provide any explanation for it and simply apologized. My credit score should have in fact improved as all payments have been on time for the last few years and my credit utilization is at 1 % at the time my score dropped. As well, all other indicators have been trending positively ; no new inquiries, acct avg age increasing, etc.. Experian looks to be gaming consumers ; intently diminishing their scores without a logical justification. Is that not a kind of discrimination? I have a Ch. XXXX bankruptcy that will fall off in 11 months - is this not an example of deliberately punitive action against former debtors? Again- they were at a loss to even try to explain it over the phone. They asked to read to me the negative info on my report. I can read it myself, of course. I asked how it can be that my score drops 17 points out of nowhere - with everything going well - and was only offer an apology. They recorded the conversation. I demand a proper and logical explanation for the point drop OR an upward restoration/adjustment in my score to reflect their error.
Product: Payday loan, title loan, or personal loan

Ive reached out to you all multiple times stating that I filed bankruptcy and that I wanted this removed from my account. You all have yet to do so.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an XXXX XXXX XXXX laptop from Apple.com using my Apple Credit Card ( provided by Goldman Sachs ). I have had technical issues with the laptop. Unfortunately  when trying to resolve my technical issues during COVID-19 all of the local apple stores and depots were closed. I tried returning the laptop for full refund given that it was not functioning as described. However given the date Apple refused to take back the purchase. On XX/XX/XXXX after receiving no resolution from the merchant ( Apple ), I went to my Apple credit card Goldman Sachs and asked them to dispute the card. I wanted to be able to return the laptop for full refund or have the full amount credited to me on the credit card given that my defective laptop was being rejected. One important reason I need a functional laptop is that I use it for work at home as a XXXX. I have both texted with and spoken to Goldman Sachs representatives for months. My dispute was closed first on  XX/XX/XXXX stating that I should just return the laptop. I called that day to customer service to explain that Apple was refusing my return based on purchase date. I was told they would reopen the case with that information. The following day I was told that my dispute was again closed for the same reason. I have never been able to speak to the same person twice about this. On XX/XX/XXXX I again reached out to Goldman Sachs to speak to a supervisor to explain that Apple is not letting me return but Goldman Sachs is  demanding that I return the item. This circular thinking is putting me, the customer, into a situation that I can not win. Goldman Sachs and Apple are practicing in a way that is very anti-consumer. I simply can not win the maze of auto-robot replies and constant changing of customer service individuals. To summarize simply, all I want is a full refund on my product any way possible - either returning directly to apple or as a refund on my credit card via Goldman Sachs.