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

This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Debt collection

i was checking on my credit report, i saw XXXX accounts, XXXX LVNV FUNDING LLC {$3100.00} Open balance Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$2400.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2023 {$1700.00} Open balance XXXX XXXX XXXX A Original creditor XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/2023 {$1400.00} Open balance XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Last reported XX/XX/2023 {$1300.00} Open balance XXXX XXXXXXXX XXXX XXXXXXXX Original creditor THESE Accounts shouldn't be in my credit report, at all, without my consent they gone to my personal details and addresses have expose my information to the XXXX web, i have received phone calls threating me for money and bank statements, 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any infomation relating to a consumer to any consumer if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following negative items listed on my credit report : XXXX  XXXX Bankruptcy - XXXX XXXX  XXXX - XXXX - {$0.00} XXXX  - XXXX - {$0.00} XXXX XXXX  - XXXX - {$0.00} XXXX - XXXX XXXX {$0.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

The persistent inaccuracies on my report are creating unfair obstacles. My score is being dragged down because of errors I didnt cause, and its limiting my future prospects. Its exhausting to feel like Im fighting a losing battle over something that shouldnt even be a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Equifax computer systems were struck by a cyberattack that may have affected about 13 million U.S. customers from XX/XX/XXXX-XX/XX/XXXX. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' According to Equifax, my information may have been compromised.
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 Accounts : XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$200.00}, XXXX XXXX XXXX XX/XX/XXXX {$320.00}. Inquiries : XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested verification of this account and have not received anything regarding my request. This company is listing this as a chargeoff on my credit report
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.
Product: Credit card

Dear XXXX, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a troubling issue related to the denial of a credit card application submitted to American Express . This denial appears to be in violation of the Equal Credit Opportunity Act ( 15 U.S. Code 1691 ) and may involve allegations of securities fraud. 

The details of my complaint are as follows : Application : On XX/XX/2023, I submitted an application for a credit card to American Express. To my surprise, my application was immediately denied. 

In response to the denial, I sent a certified letter to American Express seeking additional information and clarification regarding the denial. I have attached a copy of this certified letter to this complaint for your reference. 

Despite sending the certified letter, I have not received any response or communication from American Express. This lack of response is concerning and has left me with unanswered questions and uncertainties regarding the denial of my loan application. 

I believe there may be potential securities fraud involved in this matter. American Express has a published XXXX annual filing and an indenture agreement. While they denied me credit, it is possible that my loan application was still sold, which could affect my security interest. This raises serious concerns about the treatment of my personal and financial information. 

I am filing this complaint with the CFPB to request a thorough investigation into American Express 's denial of my credit card application, their lack of response to my certified letter, and the potential securities fraud implications of this situation. I seek clarification regarding the denial and whether it was in compliance with the Equal Credit Opportunity Act. Additionally, I want to ensure that my personal and financial information has been handled appropriately and in accordance with relevant laws and regulations. 

I kindly request that the CFPB investigates this matter promptly and thoroughly. It is essential to determine whether American Express has violated consumer protection laws and regulations, including those related to equal credit opportunity and the handling of personal information. 

Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with consumer protection laws and provides clarity regarding the denial of my loan application. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company was applying my payments incorrectly. Had been paying over the minimum amount, changed auto pay to begin charging minimum amount and that's when all the issues started. They tried to tell me that my payment made in XX/XX/XXXX wasn't for the XX/XX/XXXX - XX/XX/XXXX billing cycle that it was actually for XX/XX/XXXX. They told me that my payments are actually for the next months statement. So instead of applying my {$100.00} payment, they only applied $ XXXX.They kept reversing my transactions to where I don't even know what I have and haven't paid. My XX/XX/XXXX payment was late because of these issues I was having. I made a payment online for the due amount. Then on my next statement, it said that I was {$3.00} past due.I made a {$100.00} payment on the company 's website on XX/XX/XXXX, minimum amount due was {$3.00}. My payment then was due on XX/XX/XXXX. I made a payment on XX/XX/XXXX for {$170.00}. I should not be at fault and penalized for {$3.00} if I was unaware that I even owed that. I paid a late fee that I shouldn't have even paid. When I called to talk to them about this they didn't even bother to help. I submitted disputes with all 3 credit bureaus. XXXX sent me the results dated XX/XX/XXXX which showed that I was in good standing and that I was never late on payments. However, I looked on the website today and it had changed back to negative. How are they able to change the status without sending me some type of reason why it was reversed over two weeks later.
Product: Credit card or prepaid card

XX/XX/2018 : Credit limit lowered, chase bank siting overall credit utilization too high ( 53 % ) even though utilization is lower than it was before a balance transfer to a new card/issuer. My card was nearly maxed out with chase so to make it easier to get out of debt, I transferred the balance to a new card/company with a lower interest rate and higher credit limit to keep overall utilization down. The existing balance did not give chase reason to reduce my limit until after it was transferred and they were no longer making money off the interest. This reduction has negatively impacted my credit score. And they will not review without doing a hard inquiry on my credit, which can also lower the score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment on XXXX XXXX XX/XX/XXXXXXXX never been late on a payment account identity theft when the account was late I called XXXX XXXXXX/XX/XXXX when the identity theft happened and wrote a statement
Product: Money transfer, virtual currency, or money service

I sold my company shares using UBS account ( the own company gave us shares in UBS ) in XX/XX/XXXX. My account was not correct and the money couldnt get in my XXXX  account, but since there they always give me 15 days to the money come back to the account and this doesnt happen. They lost my money and they get lying about a term that they dont comply with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have attempted to get my credit reports to reflect accurate information. I contacted the creditor, who provided letters. I have had these updated and removed due to them being too old and XXXX has made me write and call in multiple times. I was told by one supervisor, XXXX that he would place an expedited request to have it removed as it was too old to report on XX/XX/XXXX. Then on XX/XX/XXXX my credit report showed there was no update. I contacted them and spoke to XXXX XXXX who told me that the creditors letter did NOT state the date of delinquency was XX/XX/XXXX and that XXXX can report up to 7 years after the account is closed. Well if that is the case, the account was closed on account # XXXX on XX/XX/XXXX so they are long past the 7 year time frame then! Also, the account ending in XXXX was closed XX/XX/XXXX and the account ending in XXXX was closing XX/XX/XXXX. So I am respectfully requesting that XXXX remove the old negative information now as the timeframe is 7 years from the first date of delinquency and even if they wanted to take the account that was paid on XX/XX/XXXX, that XXXX in MN ran XX/XX/XXXX, so anything else was time barred if it would not have already been settled.
Product: Bank account or service

Hello, In regards to Bank Account # XXXX On : XXXX XXXX, 2016 XXXX XXXX , CA, XXXX - {$93.00} This charege appeard on my Bank Account . Once I noticed the charge, I immediately called Ally Bank and filed a dispute against this merchant of which I have never done business with. I 've never heard of this merchant. 
I had a new card shipped to me, and have not heard anything about this since. 
That is, until XXXX XXXX, 2016, when this appeared on my account : XXXX XXXX, 2016 XXXX XXXX Dispute XXXX ( Reversal ) - {$93.00} I called into your Bank and pleaded my case that I have not done business with this merchant, and do n't think that this company and Ally basnk should be ripping me off for almost {$100.00}. 
Your representative stated that she spoke with a girl in the disputes department and she told her to tell me that I should call my merchant and see if they would work with me. EXCUSE ME? 
I was then placed on anoher hold, while the rep, called over to disputes again. 
So, a girl named XXXX is 3-wayed into the conversation and says that the Bank sent a request to the merchant with the dispute. The merchant sent the Bank back documentation to prove that it is valid, which she had in front of her. An argument ensued when I asked XXXX to show me the documentaiton. She says that she will open up a SalesForce case to get the information. This proves that XXXX XXXX from Texas lied to me. XXXX changed her story 15 times, when I demanded her Managers name and phone number. She stated that she was the Manager as if she hired herself. I demanded her employee ID #, of which she refused to provide. This bank is XXXX-like. 
If Ally bank refuses to give me my funds back, there will be an Attorney Generals complaint filed against you. 
I will also obtain a re-finance and move my Car Loan someehere else. 
I expect this issue to be resolved immediately. After that I will shut my Bank account down with you. It 's such a shame that the relationship lasted only 1 year. I 'm glad your Bank finally showed its true colors. And I will advise others to stay away from your bank. Yes, I work at a large Corporation as well.And reputation means everything. I as well speak to customers over the phone in a call center, just like XXXX. 
Just wait. I will remain with XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter of Intent to Sue Dear TransUnion This letter serves as the formal notice of my intent to file a lawsuit against TransUnion for the many willful violations and/or negligence allowing inaccurate information to be on my TransUnion credit report after several factual disputes filed by myself over the last 5 years. I have filed disputes online, by mail and phone clearly stating and providing proof of many specific inaccuracies on the XXXX XXXX XXXX  account. 
Your replies to the disputes claim everything is accurate. I have gone through my entire account history with XXXX and 41 out of 65 months that are being reported are inaccurate. 
Section 1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
This is not my XXXX account, it is not possible to have 41 out of 65 months of inaccurate reporting and have it on my credit report saying that I own this account. Im requesting you to delete this account from my credit report immediately or I will initiate a lawsuit and pursue punitive damages of {$100000.00}. 
Your prompt attention is appreciated,
Product: Credit reporting or other personal consumer reports

I arrived in the XXXX in XX/XX/XXXX. Due to XXXX, my first Social Security card got lost. I reported this to the SSA, and they modified the way my name appeared on my card to help prevent any fraud or identity theft. Since XXXX, I have been receiving hard inquiries for credit cards and other accounts that I did not apply for. I have contacted the three major credit bureaus to report this issue, but they have not taken any action. I got married three years ago and changed my last name. I used to live in Indiana and have since moved to Michigan, yet I still receive hard inquiries under my old name and Indiana address. I recently bought my first home, and my mortgage rate was significantly higher because my credit score remains low due to these unauthorized hard inquiries. Despite my efforts, these hard inquiries continue to appear, making it difficult for me to refinance my home and improve my credit score.
Product: Checking or savings account

I was emailed on XX/XX/XXXX by a ( XXXX ) who claimed to be interested in buying a painting from me ( I am a XXXX ). I told her the price ( {$1100.00} ) but she sent me an overpayment of ( {$4100.00} ) in the form of a check with the excess {$3000.00} to pay her 'shipper. ' I deposited the check, which cleared after one business day. I then paid her 'shipper ' the ( {$3000.00} ) using XXXX . After paying her shipper, the check which has already cleared was then withdrawn from my account ( XX/XX/XXXX ). I lost all of my money by this scammer. A total of a {$3000.00} loss. 

Chase refused to refund the XXXX transactions as I authorized them myself. 

XXXX refused to assist me because I use their service through the chase mobile app. 
Chase does not insure the deposited check because it was a credit to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX XXXX XXXX & XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX On XXXX XXXX XXXX XXXX XXXX for Insurance underwriting On behalf XXXX XXXX XXXX XXXX XXXX for Insurance underwriting XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act all these companies, 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
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and it seems like there are some inaccurate accounts reported on it. Please check the documents I've sent regarding these inaccurate accouns.
Product: Debt collection

Wakefield & Associates at XXXX XXXX XXXX XXXX, TN XXXX. Has put a collections account on my consumer that I know nothing about for the amount of {$760.00}. The collection has been reported as a pasted due balance. I do not know any about this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXXXXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX  Account # 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! In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; My rights are being violated all these account numbers are also reporting incorrectly under. 15US code 1681 e ( b ) Accounts numbers : arent a 100 % accurate if the full account number is not reported and missing information.
Product: Debt collection

This A COMPLAINT AGAINST BANK OF AMERICA. Your company stop reporting an account that says it belongs to me, this account was opened without my permission and without my authorization. I request your company to block it from its collection systems and stop reporting this account to credit agencies. That is hurting me a lot. The account is : BANK OF AMERICA ACCOUNT NUMBER # XXXX The information contained in this account is reported negatively in my credit report, With this complain I want make it clear that this account is not related to any participation made by me. Such transactions are the result of identity theft. Block this information from your files and send the required notice to all credit bureaus to stop reporting this account that does not belong to me. In addition to the fact that you are reporting an account opened for fraud, as you should know that it is illegal and wrong for you to report an account that can not be verified and incorrect information reporting under my name and my social security number, I have every right to request and require that these fraudulent accounts be blocked immediately. Pursuant to Federal Laws that protect me as I am a victim of identity theft and I provide a police report and all documents required by law to support this fraud, sections 605B and 611 of the Fair Reporting Act, which state that Your company must block fraudulent information from my credit report that is the result of identity theft within 4 business days and that you must immediately notify those who have my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did a hard pull for 1 account 3 times in one day. XX/XX/XXXX I do not recognize anything named XXXX on XX/XX/XXXX XXXX also pulled 2 times within 30 days and i was informed it would be once XX/XX/XXXX there should be no inquiry from XXXX XXXX on XX/XX/XXXX