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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ny, XXXX [ Date ] TransUnion XXXX XXXX XXXX [ PA XXXX Re : Inaccurate Hard Inquiry on My Credit Report Dear [ Credit Bureau ], I am writing to dispute an inaccurate hard inquiry on my credit report. I have reviewed my credit report and found an unauthorized inquiry from TransUnion dated [ XX/XX/XXXX ]. I did not authorize this inquiry, and it should be removed from my report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681n ), you are required to ensure the accuracy of the information you report. Inaccurate reporting can result in civil liability for willful noncompliance. I request that you investigate this matter and remove the inaccurate inquiry from my credit report.Please provide me with written confirmation that this inquiry has been removed.Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing you this statement for you to delete the following information provided in my report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information about my report, please correct these errors or I shall proceed with involving my attorney!
Product: Money transfer, virtual currency, or money service

Alright all I did was just transfer money from my savings account to my checking account. But apparently I got ta pay even to move around my money in my bank account. All I did was transfer funds and I got charged XXXX $ which added up to over {$300.00}. I was unaware of this I would not have done it if I was. I would like a full refund since I was using my own money that I earned
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I paid off my XXXX XXXX XXXX loan in full. However, this information was not updated by the credit reporting agencies.
Product: Debt collection

I have told Conns debt collectors not to call me on Sundays that it was very inconvenient and they still called me 3 times today XXXX..after the third call I restated to conns not to call me on Sunday
Product: Checking or savings account

I have never been a customer of Chime ir XXXX XXXX  and have never submitted information to them. 


XXXX received welcome to chime email and you will be expecting a debit card in the mail emails. Email had name and personal information Ongoing emails every XXXX days about my chime account XX/XX/year> - received email stating you should have received your new debit card. Please activate XX/XX/year> called Chime customer service to have fraudulent account closed. Customer service asked a lot of personal information. I asked to speak to their fraud unit. They transferred me to consumer protection unit and confirmed my email address and name is associated with an account. I requested closure of this fraudulent account. The rep refused to close the account and instead just switch the email from XXXX to XXXX. Saying you should not receive any other emails from chime. I voiced my concerns but he refused to give me any additional information or assistance. 

After the call I received an email that my accounts email address has been updated to XXXX. 

Im reporting fraud and am requesting that this account is closed, my information deleted from chimes data warehouse and confirmation that these occurred. 

Additionally, my credit files are frozen and I have a fraud alert attached to my file. Even with all of this, someone was able to open an account under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX  XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Vehicle loan or lease

I was buying a car from US Auto Sales and my car became a total loss. I received a letter from their claims specialist stating once they received the total loss payment from insurance company and my final months payment the loan would be closed. I was told I would receive documentation that would state this so other dealers would not restrict me from purchasing a vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed for over a year inaccurate information and no corrections have been made. 


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.

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, credit repair services, or other personal consumer reports

Please see the attached documents to understand what had happened
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email with the difference amount of a auto loan. But its not the correct amount and all three credit bureaus are reporting different amounts. And they are reporting different statues of the account.
Product: Debt collection

I found this collection reporting on my credit. The original debt was owed by my ex husband. I was told my insurance and my out of pocket expenses where paid when I made my last payment. I sent the information to the agency. They sent me a statement showing that my ex had a separate account that the original office provided. I emailed the original office I owed and the office manager confirmed it was for my ex-husbands I paid insurance balance. the Collection agency was copied in.
Product: Debt collection

I called Phoenix Financial Services LLC the number I dialed was XXXX. I got a notification from them for a debt from a supposed hospital group. Upon calling the individual never announced who he worked for or what he did answered the phone as hey its XXXX gave him information that I received in the mail on XX/XX/2019 and asked about where it could have come from so that I knew where to start and find out more information for myself. He asked if he could look at what I was talking about I said yes he said he couldnt pull anything up it was too old. He gave me a hospital group out of XXXX I told him I did not live any where near there so needed some more specifics he berated me asked me how I couldnt understand how a doctor cant work in other states and then belittled me. Told me to pay for it and that I know what he is talking about and said come on quit playing with me started raising his voice told me to pay or he will take care of it other ways. I do not know what that means but to say it was unprofessional and absolute shock is an understatement. I would hope their phone calls are recorded, it would surprise by my first impression with this man if they werent. Would not give me info acted like a pushy gangster and threaten me over something to this point I know nothing about. He gave me a date from 4 years ago and then proceeded to get mad, loud, pushy, and derogatory towards me. I still have no information and this was so absurd and offensive not to mention he says have a good day cut me off from any question at all and hung up. This individual never gave me an proper intro to this company I had to ask if it was the right number he never asked for an account number or anything just said his name then went negative and demeaning within a minute on the phone.
Product: Credit reporting or other personal consumer reports

item is showing as charged off. i never received a 1099
Product: Credit reporting or other personal consumer reports

This account from Jefferson Capital Systems LLC is a fraudulent account and does not belongs to me this is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to you today regarding XXXX XXXX two reports of my past due payments to credit reporting agencies. 
I previously held a credit card associated with XXXX XXXX XXXX ending XXXX. During this time, I paid off my credit card debt in full every month. In XX/XX/, my account experienced fraud ; fraud which I promptly reported to the bank. Charges during the period were refunded pending investigation. In XX/XX/XXXX XXXX I paid the balance in full and closed the account. Months later, XXXX finished their fraud investigation and placed legitimate charges back onto the account, then closed the card again. I did not know that this occurred. Upon learning of the charges ( less than {$200.00} I believe ), I promptly paid the charges through a telephone customer service agent ( I was unable to access the account online due to the account being closed. My attempts to contact XXXX Customer Service failed on multiple occasions due to their lack of late-night phone customer service access-times during which I was awake as I work nights. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened : XX/XX/2018 ( 1 yr, 3 mos ) Account status : Open Placed for collection Original Creditor Name XXXX XXXX  XXXX XXXX XXXX I am writing to dispute the negative report issued by XXXX  XXXX XXXX  on XX/XX/2018. ( See attached ). They were my landlords. 

I always made my rent payments on time. 

I have a copy of my payment confirmation dated XX/XX/2018, which was my final payment under the lease. 

I have never been contacted by XXXX  XXXX XXXX for collection. 

XXXX  XXXX XXXX will not respond to any of my direct inquiries. 

I reported this issue to the credit reporting agencies and provided them with proof of payment, but they have refused to remove the collection from my credit report.
Product: Vehicle loan or lease

I am filing this formal complaint against First investors ) due to their failure to provide assistance when I lost my job and requested a reduction in my payments. Despite my efforts to communicate my financial hardship and seek reasonable modifications, the company was unwilling to work with me, ultimately leaving me in a difficult financial position.
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to formally request an investigation into Bridgecrest for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), regarding the accuracy of information reported on my credit file and 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) B and C Bridgecrest is reporting inaccurately on my credit report, which has negatively impacted my credit standing. Under 1681e ( b ) of the FCRA, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy in the information they provide. However, Bridgecrest has failed to uphold this legal standard, They are reporting a repossession 3 extra times on XXXX XXXX and XXXX. My vehicle was repossessed in XXXX of 2024 but they are reporting it had a repossession in XXXX, XXXX and XXXX which is impossible. Also they have failed to provide me with the option to opt out of such reporting, as required by 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ).

Option B : A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given the opportunity to opt-out before such disclosure. 
Option C : The consumer must be provided with clear instructions on how to exercise this opt-out option. 
I have reached out to them to remove this information from my credit report and they have yet to have this information removed and despite my previous disputes, Under FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ), they are required to block or remove any unauthorized reporting within four ( 4 ) business days of receiving sufficient notification I request that the CFPB investigate this matter and direct Bridgecrest to remove the inaccurate information from my credit report immediately. I have enclosed copies of my credit report, dispute letters, and any supporting documentation that proves the inaccuracy of their reporting. 
This inaccurate reporting has caused me financial harm, including difficulties obtaining credit, higher interest rates, and damage to my credit score. 
I appreciate your prompt attention to this matter. Please provide me with a response regarding the status of my complaint and the actions taken to correct this violation.
Product: Credit reporting or other personal consumer reports

1. XXXX XXXX my Account was opened with XXXX XXXX XXXX. On XX/XX/XXXX the account was Charged off for the amount of {$1200.00}. 
XXXX. XX/XX/XXXX my account was opened with XXXX XXXX XXXX. On XX/XX/XXXX the account was charged off for the Amount of {$23000.00}. 
This companies are in clear Violation of Language Fraud, Identity Fraud, and the XXXX XXXX XXXX XXXX Not only did my bank violate the terms and conditions that they granted to me at the time of the account opening. The Credit Reporting agencies XXXX, Equifax, and XXXX have Also Violated my rights as a Consumer and broke the law by doing so. Now According to the Codes and the Federal Trade Commission i the consumer Must give Consent for Said banks and third party companies to use or give out my Private Information. I the consumer must give Consent for the Third party Companies such as XXXX XXXX XXXX, XXXX, XXXX, And Equifax to Report ANYTHING ON MY CREDIT. Per the Fair Credit Reporting Act as a Federally Protected Consumer I Am Now OPTING OUT of ANY & ALL authorization that I the Consumer may have Given you Written, unwritten, verbal or nonverbal per 15 usc 6802. 16CFR 313.13. Furthermore Every 30 days im supposed to receive the Option to Opt Out, which was never Expressed nor sent for me to Properly conduct my Affairs.
Product: Credit reporting or other personal consumer reports

This charges on my credit report is a result of identity from Experian data breach
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX that I had a hard inquiry from Capital One Bank for a credit card application that I did not open or file for. I have never used their company before. I called them and they reported it as fraud but I did not receive any information from them about the account that filed the application.
Product: Credit card

I am writing to seek your assistance regarding an alarming situation I have encountered with the Discover Credit Card company. My experience has raised serious concerns about both the practices of the merchant involved and the lack of effective support from Discover. Recently, I attempted to make a purchase through an online retailer known as XXXX XXXX, which, in retrospect, I suspect may be fraudulent. The first attempt to place my order was unexpectedly canceled. Seeking clarity, I contacted their customer support, who stated they found no issues with my transaction. They suggested I try placing the order again and advised that I would need to contact my bank for a special code during the process. Confident that my credit card protections would safeguard me, I proceeded with the purchase a second time. While on the phone with Discover, I provided them with the necessary code as instructed. However, shortly after this call, I received an email from XXXX XXXX notifying me that my order had been canceled again, and I would receive a refund. I waited the full timeframe specified for the refund but, regrettably, it never arrived. When I reached out to XXXX XXXX, I warned them that if the refund was not processed, I would need to initiate a chargeback. After my mention of the dispute, it became evident that the merchant began to take evasive actions. In a troubling turn of events, XXXX XXXX created a fraudulent tracking number linked to my address and shipped me a tiny box containing cheap socks as a deceptive measure to mislead Discover regarding the validity of my order. When I inquired about this peculiar shipment, XXXX XXXX blocked my ability to contact them further. Disappointed and frustrated, I turned my attention back to Discover, who has shown little responsibility or initiative in addressing my complaint. I submitted all relevant documentation demonstrating that my order was canceled and that a refund was legitimately owed to me. At this point, I feel I have exhausted my options with Discover and am left vulnerable to the irresponsible practices of both the merchant and my credit card provider. Therefore, I kindly request your support in investigating this matter and holding all parties accountable for their actions. Thank you for your attention to this urgent issue. I look forward to your guidance on the potential steps I can take to resolve this matter.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX  XXXX Bankruptcy XXXX XXXX
Product: Mortgage

I paid a fee to secure a locked rate on my mortgage interest rate at 3.625 % I was given a 3.75 % rate at closing and a year and a half later I was given a " remediation '' check in the amount of {$2100.00} dollars for the rate lock I paid for that never occurred. This is a very deceptive practice. Classic Bait and Switch. When I brought it to the attention of my Loan Officer XXXX XXXX at closing. She acted as though the conversation and transaction never happened. Since a " remediation : check was dispersed to me, it solidifies my contract issue. This is a clear breach of contract, and Bad faith business transaction. I have no one in my corner and am at the mercy of whatever my mortgage company says happened. Even though I know they are not being truthful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX  Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$1800.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXXXXXX XXXX  # XXXX Closed Accounts : XXXX # XXXX -- {$18000.00} XXXX # XXXX -- {$10000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have been locked out of my account with Coinbase with no access to funds within it. I logged a report with customer service on XX/XX/XXXX during which i was told purchase orders were suspended on my account. The reason was not provided and I was informed that the issue needed to be escalated. An estimate of 3-5 days was provided. 
A week later and no contact was received so i followed up and was given the same answer - the issue has not been reviewed yet and is sitting in queue. 
An inability to create a purchase order should not preclude me from viewing my current holdings. I am completely in the dark as to if my account balances have been tampered with. Coinbase has effectively frozen my assets with no warning. Please help
Product: Payday loan, title loan, or personal loan

I got a loan through omni financial and they put an allotment in my account they told me I had to do an allotment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2018 I just received an e-mail alert from XXXX XXXX and XXXX XXXX stating that an credit inquiry has just been made on my report, these inquiries definately are unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion 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 reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX