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

This is my 6th 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX Balance {$110.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax stated that Payment history at late payments were updated which this is not true as you will look at the verified proof that I took from the Equifax website itself It shows past due history is inaccurate my question is how do you have past due showing 60 days then 90 then another 90 then 120 then another 120 Then it goes back to 90 and 90 that is incorrect past due are supposed to go as follows 30, 60, 120, 150 and 180 days. XXXX XXXX is showing 60 days, 60 days, 90 days, 90 days, 120 days, 120 days, 90 days, 90 days, 120 days. Equifax stated they verified it and updated which is not true as I reported this to you guys already as you look at picture it still shows inaccurate
Product: Credit reporting or other personal consumer reports

On my credit report it shows my XXXX payment is not current I reached out to XXXX 's and they stated it is current and it shows on time payments on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX  and myself! Please send the proper validation
Product: Vehicle loan or lease

Ally Financial has not updated my loan information regarding the current balance and payment history for my credit report. The last payment update reported was XX/XX/XXXX and it is now XX/XX/XXXX. I have called the Ally Financial multiple times and the Ally Financial has not given me solid valid solution for the issue. No action has been taken by Ally Financial and the customer service is terrible.
Product: Debt collection

I lost my job in XX/XX/2024 due to layoff. My job field is undergoing lots of outsourcing to XXXX so it's harder to get back in. Capital one reached out via email and letters to settle my credit card debt. ( under XXXX ). When I lost my job, I called them to let them know and asked about a payment plan however the representative I spoke with said there is nothing they can do and I need to pay up. 

Today I called them since the last letter said that if I don't resolve it, they will send to collections. I called them to resolve issue and Capital One proposed an APR reduction plan for 6 months at XXXX $ XXXX month. On the phone it sounded a good option and I was under the impression that once completed, I would be good standing, starting at XXXX. There was no discussion that I will need to pick up the payments again or that I will have to pay off the debt once the XXXX period plan is over. 

I am hard of hearing and upon reading the email in detail, while on the call with the representative, I told her I don't agree to the terms. Because I was under the impression that 'good standing ' would mean that I won't owe anything back anymore as my effort to make the payment amount for the next 6 months would show them good faith on my end. 

She repeatedly said there is nothing they can do and they can not cancel it. 

There was no retraction/reflection period proposed and I requested if there was since everywhere we go, something like this is proposed in the financial world. 

Capital one got me with a manager because the representative was unable to cancel and he repeated the same thing that once the plan was accepted, I can not cancel. However, the 'I can not cancel once enrolled ' I don't recall hearing this on the call, otherwise it would have raised some red flags for me. 

I don't want this plan and what can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing in the hope that someone can tell me how on earth decisions to lower or raise credit scores are made by XXXX, XXXX, and TransUnion. 

My credit score for a long while was XXXX - XXXX. I have just short of {$85000.00} deposited in two savings accounts, I have ZERO long term debt, NO car payment, NO student loans, NO medical bills, NO overdue bills of any kind. Still my credit score was dropped a full XXXX POINTS over a {$2500.00} charge that was paid off FOUR DAYS after it was charged??? 

I received an XXXX alert yesterday about a transaction on my XXXX XXXX, one similar to charges that Ive done several times before, specifically about {$2500.00} for vehicle maintenance. After a lengthy conversation with an XXXX rep I found that my credit score was about to be dropped a full XXXX POINTS for something Ive done several times before. That {$2500.00} didnt come close to the credit limit of my XXXX XXXX XXXX and last week I initiated a {$3000.00} payment from my XXXX account that posted to the XXXX yesterday leaving a current balance of about {$100.00}. 

How on earth does a charge of {$2500.00} warrant a reduction of a full XXXX POINTS to my credit score? This is not the first time this has happened but is definitely something that should NEVER be allowed to happen.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX ACCOUNT # XXXX {$360.00} XXXX XXXX_ ACCOUNT # XXXX {$360.00} XXXX XXXX_ ACCOUNT # XXXX {$1000.00} XXXX XXXX XXXX _ ACCOUNT # XXXX {$12000.00} XXXX XXXX ACCOUNT # XXXX {$940.00} XXXX  XXXX XXXX XXXX_ ACCOUNT XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX_ ACCOUNT # XXXX {$740.00} XXXX XXXX XXXX _ ACCOUNT # XXXX {$1100.00} XXXX XXXX XXXX _ ACCOUNT # XXXX XXXX XXXX XXXX  _ ACCOUNT # XXXX {$1100.00} XXXX XXXX XXXX _ACCOUNT # {$570.00} XXXX XXXX XXXX ACCOUNT # {$2100.00} XXXX  XXXX _ ACCOUNT # XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX {$1900.00} XXXX XXXX ACCOUNT 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 consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

At XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2023, my sister received a a call from an Unknown Name caller ( XXXX ). The caller claimed to be from Chase Bank, and wished to talk to her, she was unavailable. He claimed to have received a credit card application from someone in XXXX, North Carolina. He was trying to verify that the application was from my sister. I informed him that he should report this to a credit reporting agency. I was not confident that he had or that he would report this. I told him to cancel the card that he said was on hold. I had no confidence that he would do that. This conversation went on for 33 minutes. He got angry at my responses, and claimed he was cancelling all credit cards in my sister 's name from disparate issuing banks. I requested that they send a letter detailing the fraudulent application for credit in another state, but he declined. I requested to talk to his supervisor, he said he did not have a supervisor, so none could be placed on the call. Finally he dropped the XXXX and terminated the call. 
At XXXX on XXXX XX/XX/2023, I received another call from JPMorgan Chase XXXX XXXX ) from the above agent. He continued to persist in trying to talk to my sister. After he failed to get me to put my sister on the line, he asked if I wanted to speak to his supervisor. He transferred my his supervisor. I had no confidence that the supervisor has someone other than the agent using another voice. I told the supervisor that the agent was " persistently abusive '' and " used foul language ''. The supervisor hung up. 

Calls from Chase bank about fraudulent applications for credit cards has been ongoing to my sister 's number for several months. In the Caller ID log for the phone is another call from JPMorgan Chase ( XXXX ) at XXXXXXXX XXXX on XXXX XX/XX/2023. Preceded by XXXX calls from a Toll Free caller ( XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not know if these XXXX calls were from JPMorgan Chase or not, but I suspect they were based on prior experience with these callers. Another set of calls were recorded on XXXX XXXX XXXX at XXXXXXXX XXXX and XXXX XXXX I have confirmed with my sister that these calls are fraudulent.
Product: Credit reporting or other personal consumer reports

This complaint is to formally dispute the unauthorized and fraudulent information currently appearing on my credit report. As a victim of identity theft and the XXXX breach, my personal information has been compromised, resulting in multiple fraudulent accounts and inquiries. Notably, there are two critical issues involving att.com and the misuse of my name, XXXX XXXX, along with my Social Security number tied to my identity in the breach. I am requesting an immediate investigation of these items in accordance with the Fair Credit Reporting Act ( FCRA ). Additionally, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564, and 5565, and my privacy rights under 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ). I believe my credit file has been subjected to improper investigations or reporting practices, leading to inaccurate reporting. I also believe that XXXX handling of my credit file may be violating my privacy rights as guaranteed under the FCRA, which mandates that consumer reporting agencies ensure the accuracy, completeness, and privacy of the information they report. Ive requested XXXX to provide me their description of procedures on numerous occasions relative to U.S.C. 1681e ( b ), This same account with XXXX XXXX XXXX # XXXX was deleted from my XXXX report back XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I'm a victim of fraud related to several transactions at ria Money location in XXXX : XXXX XXXX, XXXX XXXX XXXX. 

The transactions in question are as follows : XX/XX/XXXX : Transaction ID : XXXX Amount : {$1500.00} USD Recipient : XXXX XXXX ( XXXX ) XX/XX/XXXX : Transaction ID : XXXX Amount : {$980.00} USD Recipient : XXXX XXXX ( XXXX ) XX/XX/XXXX : Transaction ID : XXXX Amount : {$500.00} USD Recipient : XXXX XXXX ( XXXX ) XX/XX/XXXX : Transaction ID : XXXX Amount : {$1300.00} USD Recipient : XXXX XXXX ( XXXX ) Background : on XX/XX/XXXX, my friend XXXX XXXX, who resides in XXXX and was visiting XXXX, informed me via email that she had been robbed. Her phone, cash, and credit card were stolen. I sent the above payments to her location in XXXX using Ria Money Transfer to assist her. The understanding was that she would reimburse me upon returning to XXXX. 

However, when I followed up with XXXX to pay me back, she claimed that she did not know about these transfers. She asserted that her email had been hacked, she was not the person communicating with me via email and that she did not receive any funds and her identity was stolen. In addition, she did not travel to XXXX. 

I contacted ria money in the US who forwarded the proof of payment receipts from XXXX with the following ID information : Recipient Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Issue date : XX/XX/XXXX Issuing country : XXXX I noticed From the proof of payments I received from ria money that the beneficiary was paid by providing an XXXX XXXX ( XXXX ) as an Identification. This scam could have been avoided if ria money had followed its verification process that requires a valid identity document such as a passport, driver 's license, national identity card, or residence permit card ( as stated on their website when verifying customers in XXXX ). ria money failed to adhere to their verification standards by paying someone who presented an XXXX XXXX, even though this document is not listed as an acceptable form of ID. 

I'm requesting that ria money take responsibility on this for not following the payment regulation process on their website.
Product: Credit card or prepaid card

ON XX/XX/2021, I XXXX XXXX an all natural person applied for a citi rewards master card. the company denied me after placing an inquiry on my experian credit report which lower my score even more. when placing the inquiry on my report my reputation was harmed, my consumer rights were violated under 15 usc 1692d ( 1 ) ( the use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. i never gave permissible purpose to pull my credit report. i have an open end, under 1681b ( A ) ( 3 ) ( F ) ( ii ). under 15 usc 1681ni will like for my credit line to be open with citi financial and i would like {$1000.00} fine paid for the inquiry on my credit report.

( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE HARD INQUIRIES 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 or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A credi
tor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX **** Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX XXXX - XXXX XXXX XXXX /account number XXXX XXXXXXXX XXXX XXXXaccount number - XXXX XXXX XXXX XXXXXXXX / account XXXX XXXX XXXX / account : XXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX account : XXXX XXXX / account XXXX XXXX XXXX XXXX XXXX / account : XXXX XXXX. Account : XXXX XXXX XXXX XXXX / account : 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 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

The following accounts and their respective creditors are in direct violations of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXX : XXXX DXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from XXXX that description. XXXX5 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show XXXX, XXXX, and TransUnion are all in direct violation. 

These credit bureaus and creditors are also in direct violation of 15 USC 1681c-2 ( a ) by continuing to report this fraudulent account to my credit report after numerous submissions of the necessary documentation proving I am not responsible for this debt. My rights are being violated and I will have to report this to the CFPB, FTC, BBB, and the attorney general as well. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. None of the creditors listed above are physically capable of supplying this information, yet proceed with the continuous reporting of these fraudulent accounts ; directly violating my rights as a consumer that I am entitled to per the FCRA.

I have attached documentation the credit bureaus deem " required '' to block fraudulent information, to this complaint. I have previously supplied this information numerous times, and the credit bureaus, even while complying with their documentation requests, continuously refuse to comply. This is a blatant disrespect for the law, as well as my rights.
Product: Credit reporting or other personal consumer reports

FTC Report Number : XXXX I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Theses account where open all around the same time i have file many disputes but nothing has changed i have a big problem with identity theft which the company is aware of I have attached proof that other credit company have removed the accounts XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX | XXXX Balance {$23000.00} XXXX XXXX XXXX, XXXX {$36000.00} XXXX  XXXX XXXX, XXXX {$36000.00} XXXX XXXX XXXX, XXXX {$33000.00} XXXX   XXXX XXXX, XXXX | XXXX XXXX
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 Account Number : XXXX Account Name : 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.