23daVinci/CFPB_Complaints huggingface dataset:
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 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 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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: Debt collection

Amegy Bank is reporting a credit card opened in my name as charged off. This account was the result of identity theft, I disputed the account with all 3 credit reporting agencies and they verified the account. They FAILED to provide my original signature on the application or contract, they FAILED to provide the original terms of the account, they FAILED to provide proof the account was mine
Product: Credit card

I had a promotional balance the would incur interest if not paid off within the allotted timeframe. I made my payments but for some reason the company split the payment and applied it to another balance without my approval. This then caused interest to be charged although I had made the full payment amount for that promotional balance prior to the due date. I have contacted them for 5 months to get it corrected and they refuse to remove all interest charges that are still accumulating even as I keep my account current.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Truist Bank # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U. S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of adverse credit information from my credit report under Section 605C of the Fair Credit Reporting Act ( FCRA ). As a XXXX XXXX XXXX XXXX, I am exercising my right under this provision to ensure that inaccurate or unfair information related to my experience is removed from my credit history. 
Accounts to Be Removed : 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 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  ) supporting Documentation : I have enclosed the required documentation to verify my status as a XXXX XXXX XXXX XXXXncluding [ list the specific documents you are including, such as court orders, law enforcement records, or affidavits ).

Requested Action : I respectfully request that you : 1. Remove all adverse credit information related to these accounts.

2. Update my credit report to reflect this removal promptly.

Under Section 605C, the law permits victims oXXXX XXXX XXXX XXXXo block adverse information resulting from their victimization. I trust that you will handle this request with the care and urgency it deserves. 
Thank you for your understanding and cooperation. Please confirm receipt of this request and provide updates on your progress within the XXXX investigation period required by the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may Concern My Name is XXXX XXXX my identity have been used without my consent I've had issues in the pass with identity Theft someone used my personal Information without my Authorizations. this account is fraud and i need this Account to be documented as Fraud and Removed from my Credit. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft TARGET/TD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine.
Product: Mortgage

I have been working with a representative at my mortgage company to try and get a loan modification, I was sent paperwork and was told to send it back via fax, email or USPS. I was also told when the paperwork was received there would be a halt on the foreclosure until everything was reviewed. I spoke to the representative on XX/XX/XXXX and went over everything to make sure the paperwork was correct. I faxed the packet they sent along with my bank statements and pay stubs on XX/XX/XXXX, I have the confirmation page showing all 29 pages went through successfully. The paperwork was faxed to the number provided in the packet I received from them, that same fax number is on all of my mortgage statements. I called back within 5 business days as instructed and was then told that was not the correct number to fax. I didn't understand how it could be an incorrect number because it was the one listed on the packet. She said it may have been an old packet, however it says it was just revised on XX/XX/2018. I was then told to send the paperwork again via overnight certified mail. I am already in a financial bond, I sent the paperwork to the number provided by Summit Funding and paid {$34.00} to do it the first time. I feel like I am getting the run around and if this process isn't started soon I may lose my home.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, I sent two certified letters to Experian, requesting an investigation and removal of inaccurate information from my credit report. Despite my repeated efforts, I have not received any response ( see attached copies ). 

I now demand that Experian contact me directly and conduct a thorough investigation to remove the incorrect information from my credit report without further delay. 

The wrong amount is being reported XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Product: Credit reporting or other personal consumer reports

I have recently become aware that my identity and credit have been used to open several accounts ILLEGALLY. This has affected my ability to obtain a vehicle and housing for my daughter and I. This has also negatively impacted my ability to receive school loans to finish my degree. 

Furthermore In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the following collection agencies have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Below is a full list of every illegal collection on my credit profile.

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 card

I am filing this complaint regarding a disputed charge on my credit card that was wrongfully denied despite clear evidence of merchant misrepresentation, and failure to provide promised services. 

Background : On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was charged amounts totaling to {$13000.00} by XXXX XXXX XXXX for services related to my wedding event on XX/XX/year>. However, the venue failed to fulfill multiple contractual obligations, severely impacting the event and making the services unfit for their intended purpose. 

Key Issues with the Merchants Services : XXXX. Failure to Provide Promised Heating and Weather Protections The venue explicitly promised heaters and wind barriers for an outdoor tented reception. 
Three days before the event, they informed us that heaters would not be provided due to a fire marshal restriction, something that was never disclosed beforehand. 
No alternative solutions were offered, leaving guests exposed to freezing temperatures and strong winds, leading to some elderly guests falling ill and leaving early. 
2. Unsafe Conditions Leading to Injury The venue failed to secure outdoor equipment, leading to an umbrella striking my mother-in-law. 
She was diagnosed with a concussion after being taken to the emergency room. 
The venues negligence created a dangerous environment for guests. 
3. Restricted Access to Contractually Promised Indoor Spaces We were explicitly promised access to several indoor rooms ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
On the day of the event, we were denied access to these spaces without notice, forcing guests to endure harsh weather. 
Our caterer was also denied access to these areas, disrupting the planned setup. 
4. Merchant Misrepresentation and Refusal to Take Responsibility When we confronted the venue staff, they denied making these promises, despite recorded evidence from our venue tour. 
The venues actions resulted in emotional distress, financial loss, and an overall ruined experience. 

Dispute Filing and Credit Card Issuers Response : I filed a dispute with my credit card issuer Robinhood under the reason services not rendered as promised. 
The issuer denied the dispute, citing that the merchant provided services and the transaction amount was correct. 
However, the merchants services were not provided as agreed upon, and I have supporting evidence, including : Emails, contracts, and venue tour recordings showing the promised services Medical records from the injury caused by the venues negligence Guest testimonies confirming the unsafe and uncomfortable conditions Requested Resolution : I am requesting the CFPB to intervene and require my credit card issuer to reconsider this dispute based on the clear breach of contract and misrepresentation by XXXX XXXX XXXX. 

Best regards, XXXX
Product: Credit card or prepaid card

Three fraudulent charges of {$780.00} each were made for digital purchases from Best Buy and put on my Citibank Visa credit card. I did not make these purchases! I have been working with many phone calls and letters to both Best Buy and Citibank about these purchases that were made in XX/XX/XXXX and I am getting no help from either company. I have paid the credit card for the purchases because they said they can not get a refund from Best Buy. Best Buy has stated that because they were gift cards purchased digitally and already been used that they could not refund my credit card the money. It is so obvious that these are fraudulent when you look at the information they sent out. My disputes were filed with both Best Buy and Citibank in XX/XX/XXXX. During all this time, Citibank credited my account and then reversed, therefore debiting my account, on three different occasions. The case ID number with Best Buy is XXXX. I have never in my life been sent from one company to the other, both saying not their problem! Now I am asking for your help. I have a second outstanding complaint and dispute with Citibank and Best Buy which involves a debit and a credit. Best Buy tried to credit a purchase amount to clear it out but they shorted me by {$100.00}. I have not been able to get this handled either and have also paid Citibank for this amount! 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of 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 accounts 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 accounts : XXXX XXXX XXXX XXXX. Please remove this account ASAP.
Product: Credit reporting or other personal consumer reports

Having the same issue with Trans Union that is currently going on with what CFPB is suing XXXX for. 
I ordered my credit report for review. ( XXXX ) I contacted Trans Union by phone to dispute the accuracy on my credit report against XXXX XXXX .After waiting the allotted time I called and found out the representative never put the complaint in. 
After making the complaint again, I received a response dated XXXX was not to my satisfaction. 
I called again and found out that they never conveyed what I was disputing correctly. 
Trans Union also improperly reinserted inaccurate information.It failed to match newly reported information with recorded previously deleted information. 
It was also confusing and they could not answer questions I asked about the results.
Product: Consumer Loan

I received a loan from XXXX XXXX XXXX in XXXX SC. I was paying my loan faithfully. I also had insurance on my loan. In XXXX of 2014 I had to have XXXX. I turned in all paperwork that was needed to cover the loan under the insurance program. I checked my credit a few months later and the lady at the office told me that it was going to report negatively since the insurance company takes a while to send them the checks and they cant report till the actually receive a check. 
That is not fair to me, the consumer. I followed all of the rules, turned in all paperwork on time and had my dr statemts when they were due. I am being charges additional fees due to the insurance company being late with payment.
Product: Credit reporting

I have disputed XXXX with equifax three times, they have a balance on the account of {$170.00} for my old card and {$280.00} for my wifes, they were both included in our chapter XXXX in 2009. Last time i disputed it i called kay jewlers who told me they had sent in the correct information ( no balance ) and that it was equifax 's fault that they werent putting in the correct info, i called equifax and they told me that XXXX had been removed completely, they sent me a copy of my credit report to prove it and then a week later XXXX put the incorrect information back on my report! the balance is wrong and that needs to be corrected to XXXX but at this point it should also be completely removed based on the time frame of it being 7 years from date of deliquency.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the item listed below which still appear on my credit report even after your investigation. I would like this item inmediately re-investigated. This inaccuarcies is highly injoirious to my credit rating. 
XXXX XX/XX/year> this inquiry was not authorized for me and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT XXXX : XXXX 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 this item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I LOST MY PURSE IN A NIGHTCLUB THAT INCLUDED MY PERSONAL INFORMATION. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I HAVE NO AFFILAITION WITH OR KNOWLEDGE OF. I HAVE NOT AUTHORIZED ANY OF THE ACCOUNTS AND/OR TRANSACTIONS. I ALSO SEE CREDIT INQUIRIES FROM XXXX AND XXXX XXXX. 
I CONTACTED THE CREDIT BUREAUS AND ALERTED THEM OF THESE ACCOUNTS WITH NO FORMAL RESPONSE. 

I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IS IN VIOLATION OF 15 USC 1681B FURTHERMORE, FURNISHING INFORMATION TO MY PROFILE RESULTING IN IDENITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Product: Checking or savings account

My social security check status showed pending on XX/XX/2025 and continued a pending status until XXXX XXXX  cst, XX/XX/2025. I receive ss deposits on XXXX XXXX  of each month. Although my checking account is not an interest baring account, I believe what Wells Fargo is doing by not releasing finds until XXXX XXXX  the day of required deposit is illegal. When I contacted WF they told me that although the deposit status was shown as pending until XXXX XXXX  day of deposit, I still had access to those funds. Is this legal for banks to do? Thank you.
Product: Credit card or prepaid card

Old Navy credit card keeps falsely charging me interest on statement balances that are paid not only in *full* but exceed the payment balance due and have deposits made toward the next monthly statement as well. I started realizing this so I've paid the credit card off in full and still have been hit with fraudulent interest charges. I contacted the credit card company to complain over the phone and online and they either were not helpful or were of very little help. In one conversation, when I told the representative that the interest charges I was charged were false and I wanted them removed -- they told me I would have to call back at a later date because they couldn't do anything about the charges. This made no sense to me as its their job to fix these things. They claimed they record phone calls, so maybe they'll have the conversation as evidence of their continued fraud. I don't know how far back they've been falsely charging me. I think this has been going on for a long time. I learned about this from another old navy credit card customer. They asked me if I had been checking my interest rates because they were getting continually charged false interest charges, so I started paying my balances in full and monitoring mine, and sure enough... Fraudulent interest charges. They need to be stopped. They are stealing from families. It's criminal.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$6600.00}
Product: Credit card or prepaid card

Received a XXXX XXXX card with a XXXX credit line. I did not apply for this card. I called Chase and closed the card and reported it was fraud with the Credit card company. I also did a credit lock at XXXX.
Product: Credit reporting

Equifax has a Public Record posting on my credit report of Bankruptcy that states is was dismissed before it went forward. But they still have it on my report and will not remove it. It is hurting my credit badly. Equifax has made it impossible for me to file a complaint, stating their personal information does not match the personal information I submit on their online form ; further, they say I can fax my driver 's license to them but that will not fix the situation for XXXX reasons : one, I have dual residence and my license reflects my other address, and two, I am XXXX without a fax machine and it creates a hardship for me to even try to follow their instructions. The posting should have been removed since it was dismissed and not germane to any credit evaluations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car insurance company paid off the bullk of my car loan to Toyota financial and my gap insurance that was also from Toyota financial was supposed to pay off remainder of balance I called gap insurance they said they paid it off and emailed me confirmation but never received it. On my credit report it say my Toyota acc. Was closed and they double back and put my acc. As bad credit write off that is now hurting my score. Now I call Toyota financial back and they are just transferring my back and forth without telling me who they are sending me to next thing I know I'm speaking to some who say they are debt collectors for Toyota financial and I owe them money and I'm like my acc. Is closed paid off at no time anyone from Toyota tell me otherwise. I need them to fix there error and I hope there calls are being recorded to prove what I'm talking about but rather than them explaining to me what's going on they keep transferring me telling me they have no info u have to speak to another department witch turns out to be debt collectors if that is even true.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that the bankruptcy court furnished them with information from us bankruptcy court of New Hampshire XXXX I received a letter from that court stating they do not supply information to credit reporting agencies. I also contacted XXXX who also states the same, that they do not verify or supply these credit reporting agencies with information.
Product: Credit reporting or other personal consumer reports

Invalid information that doesnt match all together on the 3 credit reporting agencies. XXXX, Experian, XXXX : Date Opened Last Reported Date Last active Date of last payment All 3 is showing different payment history! INACCURATE & Not acceptable.