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

XX/XX/2019 And XX/XX/2019 this XXXX account popped up on my credit report which I was never aware I had given my information to any company in the passed months and I called them to get rid of it they said to contact XXXX and its just been a back and forth situation I need it to get all these off of my report
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports in XX/XX/XXXX and noticed ( XXXX ) XXXX XXXX account I did not give authorization and I also noticed multiple inaccuracies. The consumer reporting agencies have a responsibility to report consumer information to be accurate. I provided the certified mailing tracking documents and the credit report showing multiple inaccuracies- date opened has different dates, high credit has different amounts, date of last activity as well XXXX date of last payment. 15 USC 1681 eb states credit reporting agencies must be compliant shall maintain reasonable procedures designed to avoid violations and consumer report must be accurate or the account shall be deleted/removed. As you can see I also attached a recent report dates XX/XX/XXXX and the information- credit reports still have MULTIPLE INACCURACIES. PLEASE REMOVE THESE ( XXXX ) XXXX XXXX ACCOUNTS. I attached my passport and utility bill.
Product: Credit card or prepaid card

My PayPal Credit account, run by Synchrony Bank, has the Autopay feature turned on, meaning that they automatically withdraw funds from my checking account each month to pay off a portion of my monthly bill. This year, they deducted {$120.00} on XXXX, {$120.00} on XXXX and {$170.00} on XXXX from my checking. Last XXXX and this month ( XXXX ), my auto-payments were returned due to lack of funds in my checking, for which I am charged a {$27.00} return check fee. 

My PayPal Credit account has been closed this whole time, and I am actively working with a lawyer to complete a bankruptcy filing. Since XXXX, I have wanted to turn off this Autopay because I need to save my money to pay for regular monthly bills. However, my personal PayPal account is currently locked because of a separate issue of an overdraft on the account causing a negative balance.

Paypal is refusing to unlock my account until I pay off the debt from my negative balance, which I can not afford at this time. However, since my PayPal Credit account is managed in the same Paypal dashboard, this lock has meant I can not turn off or modify my Credit AutoPay in any way for six months now.
Product: Vehicle loan or lease

I was in a car reck in XX/XX/XXXX My car was totaled out and pulled to a wrecker. When I went to get my car. It was gone. They sold my car with out my knowledge and I had gap and liability insurance on my car. insurance. I spoke with the agent and she was a smartty and rude and could not give me the information I ask for and that was documentation that they claimed to have sent me. Now seems every other month they update to my credit report that I voluntary gave them my car and I did not give them my car. I tried to get my car and they pulled it from the wrecker office. 
Then I find out that they have been sued for fraudulent activities. 

CREDIT ACCEPTANCE CORP has flagged your account as Voluntary Surrender on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my third 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 an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled at how the system works. So here we go. I had a score of XXXX plus. One of my businesses is XXXX XXXX XXXX and as such I personally had to hold mortgages in my name because they wouldnt give me business credit. So I had many mortgages on my credit report when I say may many I mean more than 6 at one point. I struggle when the market crashed and investors bailed out by the thousands. I took the hit on my credit and struggled through it. Wow talking about demoralizing and humiliating a person. 

So anyway, I work through it and get my score up to lets say XXXX with all the debt I am carrying. So now the business starts to be where I am able to take draws and I pay my debt down or off and my score goes down. Not by a little but about XXXX or so points. Help me understand how this is possible. I have now paid off over 300K in debt and my credit score goes down. 

In addition during the time the housing market crashed I had credit cards which went into collection and were in suspense from XXXX and the debt collectors tried to put it back on my credit report as current. 

This is a joke. Their were errors in my name and places I have never lived my social was not correct.. Really and they are profiting, I have a problem that all 3 Bureaus are not required to report exactly the same information, Why would a person get 3 different scores if they When I don't use them my score goes down. When I use them I'm overextended. 

I also the XXXX XXXX discriminates against XXXX XXXX Investors in general. The are the most scrutinized industry their is. We have to provide leases, insurance policies, profit and loss statements, Tax Returns, etc. No other industry has to provide the nuts and bolts of their businesses. XXXX. A XXXX individual receipts, number of racks they purchased, how many hangars they used, XXXX XXXX individual receipts how many can of corn they sold, how many cans of beans, etc. See the differeence. 

My point is that I want the bureaus disbanned. They serve no useful purpose. I have XXXX in home debt for a home I ; ve been in since 2004, I owe XXXX on my car and XXXX on my credit cards and because of the information XXXX, XXXX and Experian have reported I was denied a loan because my SCORE didn't meet their criteria. I have XXXX in XXXX XXXX XXXX. RIDICULOUS! 

I believed I have been damaged by the inaccurate information and algorithms that the XXXX bureau use to compute consumer XXXX scores. 



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Product: Checking or savings account

The bank closed my account in early XXXX and they said they are investigating and reviewing my accounts. So they took all the money from my account and I believe the total is about XXXX dollars. Every time I call customer service, they tell me the same thing, saying the bank is still reviewing and they can not provide me a time frame for that. I have at least XXXX dollars transferred from my home country 's account. I had some remaining balance from my mom sending my money from XXXX before. And some other transfers are from my neighbors and friends. I can provide evidence for all of them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Agency I am writing to formally notify you that this account : XXXX has violated the provisions of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ).

Specifically, under 15 U.S.C. 1681e ( b ), you are required to ensure the maximum possible accuracy of the information on my credit report, and you have failed to verify that this account is accurate. Additionally, under 15 U.S.C. 1681i ( 5 ), you failed to provide me with confirmation in response to the dispute letter I sent requesting validation of the account in question. 

Due to your inability to confirm the accuracy of the disputed account and your failure to respond to my validation request, I am formally requesting that you immediately remove this account from my credit report. It is currently affecting my credit file without any valid reason, and I expect this matter to be resolved as quickly as possible. 

Please consider this my formal request under the Fair Credit Reporting Act, and I expect written confirmation from you regarding the removal of the account. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated time frame. 

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

I check my credit report wee kly. Caine and Weiner just appeared on  XXXX ,  XXXX ,   XXXX   as a collection account associated  with  XXXX  in the amount of {$390.00}. I NEVER recieved a letter, call or any correspondence stating that I owed this amount to  XXXX . In fact, never heard from  XXXX  that I owed this amount. We are or were now, about to close on our dream home and now because of this financial injury and defa mation Caine and Weiner caused by their illegal practices we lost our families dream home ( we have  XXXX  boys ). They violated my rights. I would of been more than happy to pay this if i in fact owed it. I was never given a chance to   research or pay it. This is a straight violation of FDCP and I will exercise my rights and sue for such damages they have caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. CODE 1681 FCRA, It's unlawful for a creditor to keep a account on a person 's credit report that contains improper information. I've had this problem with Ally over time and they have not yet removed this account from my credit report. They will go back and try to adjust the account which is unlaw and the account will still have errors. I have attached documentation of this from my previous compliant.
Product: Debt collection

On XX/XX/XXXX I noticed a collection account from a debt that was addressed back in XXXX from an illegal dog lease. Back in XXXX, it was in collections due to financial problems at the time but the Massachusetts Attorney General came out litigated ( see attached files ) and it was an illegal lease. An updated order in XXXX also states even third party accounts should be wiped out as well as any negative credit info. Disputed it and the new owner of the debt ( XXXX XXXX XXXX ) denied the dispute and said it was valid. 

Called on XX/XX/XXXX where the agent was with a law firm XXXX XXXX XXXX XXXX XXXX ) which is actually just the same company where she almost immediately started making threats to take action the entire call. She was not an attorney nor a paralegal. Stating that they're sending someone to my employer to start the garnishment process within XXXX hours ( I have XXXX jobs ), that they sent notices ( wouldn't confirm if any were certified ), they were going to file with the court on that Monday ( as of now haven't been served anything ). She let me know that the current balance was {$7300.00} but if I attempted to fight it and lost, they were going to hit me with almost 3 years of late fees ballooning the balance to almost {$11000.00} ( I don't remember the exact amount ) She would not listen to me when I stated that the original debt was illegal in Massachusetts and it was gone once so why are they coming after it 3 years later and all I get for answers to that and my other questions above are " we did an investigation '', " I can't answer that ''. Pushback I also got was " we are in California '' and I let her know that I am in Massachusetts and the contract was signed in Massachusetts. I did let them know that I would file a complaint with the Attorney General, which I have. This likely explained the significant amount of out of state calls that I got beginning in XXXX as frequently as 3-7 calls a week for 4 weeks which is also against state law. ( This came from another debt collector which they likely contracted out to first ) Between XXXX and XX/XX/XXXX I worked with an Advocate on behalf of the AGs office in XXXX MA and between her and her supervisor with the documentation I provided advised that it is beyond their scope. They advised that I reach out to the MA Division of Banks, Bar Association ( to see if they are even licensed ) and the CFPB ( since my credit is affected ). 
I called both the Massachusetts Bar Association and Division of Banks and they confirmed that this company/firm is NOT licensed to do business in the state let alone be collecting on this debt in the first place. ( See screenshot attachment )
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX  XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THATT I HAVE THE RIGHT TO PRIVACY, AN FUTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER RSPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
LASTLY, UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, XXXX, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

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

XXXX is reporting a bankruptcy on my credit report they have put in the date of furnished as the US Bankruptcy Court of XXXX which is false. I have attached a letter from the XXXX US Bankruptcy Court verifying and state they in fact, do not report any information to the credit bureaus or any credit monitoring service to verify or validate. XXXX is falsely stating this information on my credit report and yet to remove it.
Product: Credit card

ATTENTION : This is an ADDENDUM to COMPLAINT XXXX. 
This is NEW INFORMATION!!! 

BELOW SENT TO Barclays XXXX XXXX Aviator Advantage Card XXXX on XX/XX/2025 in re Case XXXX Credit Required I have had an experience with Barclays XXXX XXXX XXXX XXXX XXXX that I find appalling. I expect you will agree. Heres the saga. 

When I filed the dispute back in XXXX, I attached a Proof of Delivery ( PoD ) copy. I thought this would be a quick permanent credit. However this was not to be as your dispute department choose to ignore the facts presented and continually misplaced the PoD. I eventually spoke with Lily ( TIFLB1 ), who confirmed that the Disputes Department always had multiple PoD copies in my case file! As this was what you required to issue the permanent credit - case closed!, right? 

No. I then received a snail mail letter that stated that If you only had received the PoD, the long-overdue permanent credit would have been issued long ago. Yes, thats what it said. I immediately faxed it again. At this point, I had faxed it to disputes eight times and emailed it to the Office of the President five times. Case closed! Permanent credit finally issued! Right?

( BtW, the merchant has never disputed receipt of the merchandise or that he promised to issue the refund! ) Ha! No! A cynic would certainly be justified in thinking that your people have little interest in your customer but instead are actually bending over backwards to desperately find a way, anyway to please the merchants bank! I later receive a new snail mail letter that states that you would have issued that permanent credit long ago if you had only had in your possession a copy of a document showing that the merchant was going to issue a refund. I would have LOL if I wasnt so furious! I am certain that someone there rubbed their hands together and said XXXX never have that! Who has that! ( Witches cackle. ) Well, because this particular merchant does not always require an actual return of the merchandise ( its underwear ) it just so happened that he had sent me an email stating just that, that he was going to issue the refund. I faxed it to disputes and emailed it to the Office of the President.

Sorry but your effort to thwart my dispute by moving the goal post fails just as the ongoing misplacing of seven PoDs did! 

Now, I hope, as a human being, you can clearly see how egregious, unfair, and biased your peoples obstructionist efforts have been. As you can imagine, I have been forced to spend an inordinate amount of time and effort on what should have been a quick and easy solution. I must emphasize that to-date no one at Barclays has been positive or proactive in seeking to resolve this in my favor.

I hope that you will be the exception and issue the long-overdue permanent credit for {$240.00} today. And, please, no more snail mail or newly created goal posts. 

Thank you. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Wednesday, XX/XX/2021, I received an email from Chime that said my account balance was low. Because a family member has previously attempted to steal my identity, I took this email seriously. I went to the Chime login, typed in my email address and clicked that I'd forgotten my password, and soon I was able to reset the password and log into an account. The routing number is XXXX and the account number is XXXX. I saw that there had been two transactions associated with the account, each in the amount of approximately {$5.00}. 

I contacted Chime via email and explained the account had been fraudulently opened and should be closed immediately. I received a response that I would need to provide identification in order for them to do anything. I sent them a copy of my Certified Fraud Examiner credential and they did agree to lock the account, but insisted that I provide a copy of my identification such as a drivers license in order for them to take further action. I refused to do so because I do not know if the persons I would emailing with were a part of the scam. 

If Chime is a legitimate banking outlet they are not reliable. There is a flag on my information with XXXX  and so this account should have never been opened without my knowledge or consent. 

I am asking that you investigate this incident and this bank - if it is a bank - and get to the bottom of how this happened. 

Thank you, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXXXXXX BALANCED {$0.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Debt collection

On XX/XX/2020 my vehicle was repossessed by a third party which violates my rights as a consumer and also is illegal because I never gave consent to XXXX XXXX XXXX to have my location information. Prior to this day I have sent numerous complaints to the company, Santander Consumer USA, my last correspondence includes an affidavit of truth that has not been rebutted line for line.
Product: Debt collection

TCF BANK LOAN NO. XXXX CALLED MY WORK, HOME, CELL PHONE XXXX TIMES AFTER CEASE COMMUNICATION ORDER DATED XXXX/XXXX/2009 WRITTEN BY XXXX XXXX AND SIGNED BY XXXX XXXX. THEY HAVE VIOLATED THE T.C.P.A. XXXX INFRACTIONS AT {$1500.00} PER CALL OR {$400000.00} IN DAMAGES FINES ETC..THESE PERSISTED FROM XXXX. ALSO, VIOLATED THE F.C.R.A. TOTAL OF XXXX TIMES OVER 7 YEARS, XXXX RE-INSERTING LOAN XXXX 5 TIMES VIA CHANGING ACCOUNT TYPE, DATA, BANK HEADERS ETC.. ( SEE ATTACHED FROM XXXX ), XXXX XXXX TIMES OVER 7 YEARS BY CHANGING EVERYTHING NECCESSARY TO RE-INSERT ITEM BACK ONTO XXXX WITHOUT 5 DAY WRITTEN NOTICE TO CONSUMER. REPORT TO ALL CREDIT BUREAUS THAT THIER MORTGAGE LOAN IS IN FORECLOSURE XXXX TIMES IN 7 YEARS, WHERE THIS LOAN HAD NO LIEN RIGHTS ( SUBORDINATE LIEN ) SEE ATTACHED. 
FINALLY, TCF BANK IS VIOLATION OF THE DOOD-FRANK ACT WALLSTREET REFORM AND CONSUMER PROTECTION ACT.VIOLATED S.O.L. 8 TIMES.
Product: Debt collection

Portfolio Recovery Associates, LLC made an arrangement with me via phone conversation, to pay a settlement amount on an account they acquired. The agreement was for {$25.00} paid for 13 months. I called the company months before the end of the payment deadline, to find out exactly when the payments would finish. I just wanted to verify their records with mine. The woman I spoke with confirmed the last payment would be XX/XX/XXXX. XX/XX/XXXX came around and the company mentioned took yet another payment out of my bank. When I called to complain, a man said the agreement was for 15 months, not 13. I disagreed with him and referenced the previous call to check on the details and he said the woman was wrong. He said, " I'm looking at the printed agreement right now. '' He forced me to pay two extra payments or I would have to pay the whole amount. Trying to complain was useless. I have no paperwork of the verbal agreement made. Never did. All the payments were electronically withdrawn monthly from my XXXX XXXX XXXX XXXX XXXX XXXX, Kansas, account now closed. I do not remember the account number. The transactions took place from XX/XX/XXXX, until XX/XX/XXXX.