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

To whom it may concern, I am filing this complaint regarding an inaccurate item on my credit report that continues r negatively impact my credit. Despite my efforts to resolve this directly with the agency it has not yet been resolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 
Nevertheless, this compensation is a violation of my rights and must be fixed immediatley and is a civil liability because I have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 my computer was hacked and all of my personal information social security number, ID, passport, and account information was compromised. The person opened up accounts in my name and file taxes under my name without permission. I recently pulled my credit report and noticed inaccurate accounts listed.
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 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 has violated my rights. 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

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, XXXX, XXXX, XXXX XXXX, XXXX, US DEPT ED, XXXX XXXX Company Inquiries : XXXX XXXX   XXXX/XXXX
Product: Credit reporting or other personal consumer reports

A hard inquiry regarding a XXXX XXXX XXXX XXXX has been added back to my credit report via Experian and XXXX XXXX. Its showing under my XXXX report but after reaching out to XXXX themselves, they arent seeing it on their end. This inquiry was deemed fraudulent almost a year ago and was removed last year XXXX. It has appeared after almost XXXX  months. The inquiry is dated XX/XX/XXXX of 2022.
Product: Credit card

I added XXXX XXXX as an authorized user on XX/XX/XXXX to my Sapphire Reserve card. On XX/XX/XXXX XXXX XXXX applied for his own Sapphire Reserve card and got approved for it. I was charged {$75.00} for his use of the card on XX/XX/XXXX and {$75.00} again on XX/XX/XXXX. Since I myself wouldnt be allowed to apply for two Sapphire Reserve credit cards at the same time, it was my understanding that once XXXX XXXX applied for his own Sapphire Reserve card that he would automatically be removed as an authorized user on my card but it doesnt seem like he was. There wouldnt have been any way of me knowing I needed to manually remove him from my card as an authorized user as there wasnt any clear messaging to let me know this. I noticed he was still an authorized user on XX/XX/XXXX when reviewing my account activity and immediately sent a message to customer service through the secure message center within my online banking app to remove XXXX as an authorized user and to request a refund of the {$75.00} annual fee I was charged on XX/XX/XXXX. On XX/XX/XXXX when I log into my account and still dont see a refund for the {$75.00} I called into customer service and both a regular representative and a supervisor declined the refund saying the system wouldnt allow them to credit back the fee. It is unfair for me to pay this fee especially when XXXX has had his own Sapphire Reserve card since XX/XX/XXXX and has not used his card under my name since then. I have been a customer with Sapphire Reserve for many years now and never called in to request any annual fees to be waived and have consistently given Chase my business tens of thousands of dollars in business every year. I am very disappointed today to find out that a simple {$75.00} cant be credited back to me. Its a reasonable request back by sound logic. I have choices when it comes to this tier of credit cards and I have consistently stuck with Sapphire Reserve but it doesnt seem like the customer service is there to back up this card as I had hoped. I am seriously considering downgrading this card and moving on over to XXXX XXXX XXXX credit card if this issue cant be resolved. There would be little incentive for me to continue to give my business to Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I registered for an account with TransUnion to check my credit report. They prompted me to enter my credit card information without any indication that it was a paid subscription, and I was subsequently charged {$24.00} for signing up. 

I tried calling them on the afternoon of XX/XX/2020, regarding it, and the customer service representative did not honor my request to give a full refund for the service. He claimed that the {$24.00} charge was listed on the site when I was not aware of this service. I have already since canceled my membership but am still not able to get the refund.
Product: Checking or savings account

I am submitting this complaint regarding an issue with my U.S. Bank accounts following unauthorized transactions. 

On XX/XX/XXXX, three unauthorized transactions were made from my U.S. Bank account via XXXX in the amounts of {$10000.00}, {$2500.00}, and {$5000.00}. Upon discovering the fraud, I immediately visited my local branch on XX/XX/XXXX, to report the incident. At that time, I closed the compromised account and transferred my remaining funds into a new checking account at the same bank. 

Bank representatives assured me that I would still have access to my funds, though online banking would be restricted as a precaution. However, as of XX/XX/XXXX, U.S. Bank has completely blocked my access to my funds, stating that because the fraud occurred on my previous account, they are now restricting both accounts. 

This has left me unable to pay my employees, mortgage, and rent, causing significant financial hardship. I have been a customer of U.S. Bank since XXXX, maintaining a legacy account with them. I feel that I am being unfairly penalized despite being the victim of fraud. 

Additionally, I filed a police report on the day of the incident and submitted a copy to the bank in person for their records. If I had known my funds would be restricted in this manner, I would have never transferred my money into the new account and would have instead withdrawn it in full. 

I am deeply concerned about the status of my funds and request the CFPBs assistance in resolving this matter urgently. U.S. Banks actions are unjustly preventing me from accessing my legally owned money, despite following proper procedures to report and address the fraud. 

I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate information : XXXX XXXX XXXX XXXX, CO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, CO XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts with XXXX Bank that have late payments that should not be reporting to the bureaus according to the law. I've made several attempts to resolve this issue. XXXX laws are being broken : Section 604 15 U.S. Code 16818 B. Section 605 B 15 U.S Code 1681 C-2 And Section 1681 A. One account was closed by them even though the account was current. The other one is still open. I want the last fees status updated on my report from XXXX of 2021 thru XXXX of 2021. I paid the account in full before they decided to close the account. The other open account is current. Please resolve this issue.
Product: Credit reporting or other personal consumer reports

Experian sent me an email and said they lowered my FICO score.
Product: Credit card or prepaid card

I have a credit card with capital one. I have not used it in one year. The interest is {$100.00} per month. I have been paying it and not able to pay more to decrease my principal. 
I called XX/XX/XXXX I was offered to : close my account, lower my interest from around 20 % to 7.4 % pay {$74.00} per month. The woman put me on hold and call got disconnected. 
I called right back and was told the offer is no longer available because the call was not completed!! I sent a letter to close my account and call me to resolve the interest. No one contacted me. I called XX/XX/XXXX spoke with ID # XXXX to no avail spoke to her supervisor XXXX and she told me they can not offer it at this time. I am desperately trying to resolve this and Capital One will not work with me. I can not continue paying {$100.00} per month and not lowering my bill.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to less adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous attempt 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 Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference XXXX : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX
Product: Credit reporting or other personal consumer reports

Im not liable for this debt with XXXX XXXX XXXXXXXX, I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the unresolved negative entries on my credit report, despite my previous disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit limit increase for one of my credit cards today XX/XX/2020 and sadly I was denied because when they pulled my credit report there were two accounts reflecting badly. The accounts are from XXXX XXXX XXXX XXXX XXXX ; The accounts opened with those companies in my name do not belong to me. I did not open any account with either of those companies nor did I allow anyone to open them on my behalf. I do not have written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting my name cleared from these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been listed as an authorized user on an account. This account is not being reported onXX/XX/XXXX or XX/XX/XXXX, onlyXX/XX/XXXX This account should be reported. 

TD Bank USA/Target Card Account number : XXXX XX/XX/2014 ( 6 yrs, 6 mos ) CONTACT INFO : TD BANK USA/TARGET C XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX USA
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted Experian numerous of times trying to get things solved and nothing is happening. I have the following inquires sitting on my credit report that I did n't authorize. 1 ) XXXX of XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 )  XXXX/ XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX/XXXX XXXX.. ( XX/XX/XXXX ) 8 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX ( XX/XX/XXXX )
Product: Debt collection

I need your help to stop this deceptive practice and fraud from carrying out time after time. When they didnt get the money theyre wanted, they use the collection report to force the consumer to send them the money. I didn't own them anything. 
I contact Dr. XXXX office XXXX and spoke to Ms. XXXX I was told it will be taken care of and not to worry. This is the first and only visit to this doctor 's office for an annual check-up with co-pay and all work was done in-house at this doctor 's office. 
The XXXX XXXX and XXXX XXXX XXXX XXXX is nothing more than fraud sending out bills that had been paid by the doctor 's office. For this bill 2019, I spoke to Ms. XXXX and XXXX with Dr. XXXX XXXX, both doctors offices stated that I didnt own anything else, XXXX balance. I have no problem paying my bill in a timely manner and paid as greed, I do have a problem with medical fraud billing. ( XXXX XXXX send me the name of the doctor on the bill that I never heard of before ) I need your help to stop this fraudulent collection from the medical billing. This type of scam artist sends out a medical bill from {$15.00} to {$30.00} to many seniors like me and threatening for collection and using credit report tool to force the consumer to send them the money. Thank you for all your help and I am looking forward to hearing from you. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reporting to credit reporting agencies late 30 days XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I was told that since incorrect information was given by service representative to have payment automatically deducted from account that since it was no error to myself, no negative reporting would take place. I spoke to two other representatives within month of XX/XX/XXXX and was advised that no negative reporting would take place and a request had already been submitted to CRA to remove negative information. XX/XX/XXXX, I sent check, which was date XX/XX/XXXX XXXX but not cashed by XXXX until XX/XX/XXXX. I have sent a dispute in regards to this and still have had no success with resolving this issue. XXXX also continues to report incorrect balance on my credit reports, which doesnt reflect all payment history. I have made them aware of this, yet they continue to report incorrect information regardless how it negatively impacts my credit report.
Product: Checking or savings account

I have been in contact with the CFPB before with XXXX XXXX. He was very helpful and told me that he understood where I was coming from in my situation he then reformed my dispute claim as the bank put a bunch of charges I did not authorize them to put on my claim they claim that from their phone call I did however they refused to let me listen to that phone call. I was told by one of their agents and XXXX that my case was reviewed and switched to only three charges and which those are the ones I only wanted it on there from the beginning I have three charges two of which I got a fraud text message from Fifth Third themselves Which says is this fraud and I answered yes. I also have another charge from an XXXX supermarket right across from this location of this charge which is in a very terrible neighborhood of XXXX far from my house which is also not consistent with any of my spending patterns. Fifth third bank and XXXX confirmed that my claim was down to three charges now and will only be reviewed for those three however they decided without even telling me that they are going to stick with the original dispute based off the phone call which they still will not let me listen to even though I have proof from them that says They detected fraud and I agreed it was fraud when the charges were made and they still allowed the card to be active after I said it was fraud. I have the text message I will attach I also have a police report and XXXX gave me the locations of the charges which show they are in an area where I have never spent money before and are not consistent with my spending patterns. I am on the verge of taking them to court because I can not believe the amount of times they have lied to me they refuse to review my details that I have sent them which show that they detected fraud and I confirmed it was fraud just based off a phone call that I made originally that they claim I authorized all those charges however I never did and they refuse to let me listen. This is my last straw before I take them to court with my sufficient evidence because there is no arguing a text message from them that asks Me if it was fraud and me confirming that it was. I was also lied to by one of the representatives when I had called and asked them to confirm that it was just three charges on the new dispute and she confirmed however they still went with the old dispute.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate item on my credit report that continues to negatively impact my credit despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit card

On XX/XX/year> I had a balance of {$240.00} left to pay off on my Synchrony Bank Care Credit Card account. On XX/XX/year> I made a payment of {$240.00} on my Synchrony Bank Care Credit account paying it off in full. I never received a confirmation email or text message stating my payment was made. The following morning, on XX/XX/year> I logged back into my Care Credit account to see if I had received a message regarding my payment from the day prior. There was no message. In addition, the {$240.00} was not reduced from my balance. In somewhat of a panic, I submitted another payment for {$240.00} on XX/XX/year> in order to pay off my Synchrony Bank Care Credit Card in full. However, this was again not reflected, and I did not receive a payment confirmation email or text. Due to making double payments of {$240.00}, I contacted my bank ( XXXX XXXX ) to see if they could contact Synchrony Bank Care Credit and cancel or credit me the {$240.00}, which they did. On XX/XX/year>, I was credited {$240.00} to my checking account. In addition to contacting XXXX, I also contacted Synchrony Bank Care Credit and spoke to someone who told me they would be sending out a reimbursement check of {$240.00}, however I have never received this check and therefore have never deposited it or cashed it. This was a mistake on my part in contacting both Synchrony Bank and XXXX XXXX, although I have the financial proof showing no check was cashed or deposited from Synchrony Bank Care Credit. Only the credit of {$240.00} was reflected. A few days later, I began receiving a series of harassing text messages and emails from Sychrony Bank Care Credit stating I owed a balance of {$530.00}. I was extremely confused as I had already payed off the {$240.00} twice. There was no reason why I would owe {$530.00}. As a result, I contacted Synchrony Bank Care Credit, however, was stuck on hold multiple times. After finally being able to speak to a live representative, I explained the situation as stated above and asked why there was a balance of {$530.00}, however they could not give me a clear answer. The phone representative informed me they would need to talk to their manager. After speaking with their manager, the phone representative informed me my balance of {$530.00} would be brought down to {$0.00} by XX/XX/year>. They informed me this should all be done by the beginning of XXXX on XX/XX/year>. After I hung up the phone, I waited for a confirmation email or text message, however again I never received anything. Several days later I began receiving another round of harassing emails, messages and phone calls from Synchrony Bank Care Credit stating I still owed a balance. This is still going on as of today XX/XX/year>. When I logged back into my Synchrony Bank Care Credit Account on XX/XX/year>, it showed I owe a balance of {$390.00}. I am not sure where this number is coming from. As of today XX/XX/year>, my Synchrony Bank Care Credit Card account shows I owe {$390.00}, which is untrue.