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

I recently discovered that a fraudulent credit account was opened in my name without my authorization. The account is listed as SYNCB/PPC, with a report date of XX/XX/year>. I have never applied for or opened an account with this company, and this was done without my knowledge or consent.

This fraudulent account has been used extensively, leading to a high credit utilization rate, which has significantly impacted my credit score. High credit utilization is known to negatively affect credit scores, as it indicates a higher risk to lenders. 
XXXX Upon discovering this fraudulent account, I took the following actions : I filed disputes with the credit bureaus ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ) to have this account removed from my report.

I contacted SYNCB/PPC to request details on how and why this account was opened.

This fraudulent account and its high utilization have negatively impacted my credit score and financial standing, and I should not be held responsible for it.
Product: Debt collection

SO THIS IS A GREAT XXXX, THE ISSUE IS I NEVER KNEW ABOUT THIS DEBT WAS SENT NO INFORMATION JSUT SHOWED UP ON MY CREDIT REPORT, I AM ASKING THAT THIS BILL BE SENT TO THE VETERANS AFFAIRS OFFICE AS I AM A VETERAN AND THE COVER ALL PRIVATE MEDICAL BILLS. THAT THEY REMOVE THIS AND ALL LATE REMARKS FROM MY CREDIT REPORT, AS THEY REPORT EACH MONTH I AM LATE.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting 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 a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$84000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are 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 accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

So Im supposed to be closing on a A mortgage with Bay Equity LLC, but the underwriter is giving me a problem saying I have active disputes on my credit report which I do not. I called all three reporting agencies to have such disputes removed. All three credit reporting agencies said there are no active dispute or dispute comments, XXXX XXXX services that Bay equity uses is reporting Inaccurate information, causing me delays and possibly not able to close
Product: Vehicle loan or lease

In recent publications XXXX XXXX, thats published on the CFPB websites states more evidence in what I been claiming towards CAC ( Credit Acceptance Corporation ) that the loan agreement was fraudulent and certain documents wasnt disclosed to me nor mailed and they denied helping me understand my Truth In Lending. I came to find out about the hiding interest fees they sent me after months of me disputing my contract. They mailed me a payment document that prove that I had no idea on these hidden interest fees.Also in the contract I asked about the security interest and stated in my complaint I wasnt informed about any of this which is more proof I was uninformed when I signed this agreement. I also arise with this company about their fiduciary responsibility that was also breached after they denied my IRS approved 1099a, also other instruments Ive submitted in Good faith to clear the debt and CAC denied me of the goods and services that they were contracted to provide to me. They have violated the TILA, FDCPA, GAAP, and my Civil Rights discriminated against me for using my rights. Credit Acceptance Corporation violated the Martin Act by engaging in fraudulent and deceptive practices making false and misleading representations and omitting to disclose and concealing material information in disclosures it made and cause to be made to investors and other in the course of the issuance and sales of securities in California and elsewhere. Credit Acceptance Corporation also took their time waisting my time sending me a identity complaint packet for the forgery of XXXX XXXX name on contract by XXXX XXXX XXXX and Credit Acceptance Corporation.
Product: Money transfer, virtual currency, or money service

I used Venmo to send money to and from my wife and friends for rent payments and other activities. My account was hacked and someone tried to purchase items through XXXX using my XXXX  account. I Put in a dispute with XXXX  as well as my financial institution. After my Financial institution resolved the situation, I closed that checking account since we believed it was compromised and opened a new one. After that instance I no longer wanted to be asscoiated with XXXX since they are prone to fraudlent activity like this. I opened the account in XXXX and used it until this incident in XXXX of XXXX. XXXX  will not close the account and remove my information without giving them personal identifiable information such as my ID as well as a selfie. They have no use for this as I can verify all numbers listed on the account if needed. They have no data that would help by sending them an ID. I messaged with Venmo representitives through email since that is the only way of communicating with account specialists. They Refused to close the account and stopped communicating with me without resolving the issue. I also asked to speak with a manager and a phone call which they refused to do. I used venmo without ever having to submit a photo ID and you can transfer money back and forth as long as you do not hold any account balance with venmo. I have kept reciving account statements from venmo even though my account is suspended. I would like my account closed to prevent my information being in a future venmo data breach, since that is what they do best.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on, and noticed some things are incomplete and not accurate. I sent a letter to Experian and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general 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 ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a 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 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.

This is unfair and if they are doing this to me imagine who else they are doing this too.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX TX XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Inquiry Dates XX/XX/XXXX Delete this unauthorized inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Legal Basis for Removal of Hard Inquiry : Under 15 U.S. Code 1681b ( f ), a consumer reporting agency is prohibited from furnishing a consumer report unless there is a permissible purpose as outlined by the FCRA. If this inquiry was not authorized by me in writing or initiated by me directly, it constitutes a violation of this law.

Additionally, per 15 U.S. Code 1681i ( a ), you are required to investigate disputed information within 30 days of receiving my request. If you can not provide tangible proof that I authorized this hard inquiry ( such as a signed credit application ), you are legally obligated to remove it from my credit report immediately.

Failure to remove an unauthorized inquiry may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing statutory damages for willful non-compliance under 15 U.S. Code 1681n.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX
Product: Credit card

Bank of America transferred XXXX $ to a bank account called XXXX XXXX. They directly deposited this money into the XXXX XXXX account. I DO NOT have an account with XXXX XXXX. 
Bank of America refuses to credt my account back the XXXX $ Now I am accruing interest and late fee charges. I have been fighting with Bank of America for over XXXX weeks. I have filed a report with my local police department and called credit reporting agencies. I have been a member with BOA for XXXX  years. I have NEVER transferred money into another account especially in such a large amount. BOA never received my permission to due so nor did they contact me for such a large transfer balance. { This should have been a red flag to BOA }. I tried finding out on my own information about this " XXXX XXXX bank ''. XXXX BOA agent gave me a # that was linked to this XXXX bank XXXX XXXX XXXX XXXXThe person who answered said they were located in the XXXX and would not give me any more information unless I gave them my SS # or a credit card. I also reported this to BOA since they never looked into this fraudulent transfer.
Product: Credit card or prepaid card

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is currently showing late payments. I have read enough to understand my rights. The 3 Credit Bureaus are attempting to violate this clear understanding. Please investigate thoroughly and please update for 100 % accuracy. 
CAPITAL ONE-Balance $ XXXX Opened : XX/XX/2018 CAPITAL ONE BANK USA N-XXXX-Balance $ XXXX-Date Opened : XX/XX/2018 CAPITAL ONE BANK USA-Balance $ XXXX-Date Opened : XX/XX/2018 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The alleged debt has been sold without my permission and without the production of a new contract. You willfully sold this alleged debt and I have no contract with the debt collector you sold the account too- this is fraudulent activity. 
18 USC 1028 ( a ) ( 2 ) states Whoever, in a circumstance described in subsection ( c ) of this sectionknowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority shall be punished as provided in subsection ( b ) of this section. The punishment for this offense could be a fine or imprisonment according to 18 USC 1028 ( b ) ( 1 ). 
There is no way anyone should have my social security number or any identifiable information. You DID NOT have my permission. This is IDENTITY THEFT & against federal law.
Product: Credit reporting

My wide and I divorced in XXXX. As part of the settlement she was awarded our recently purchased home and XXXX rentals - and after my financial contribution, she was made responsible for the balances due on the mortgages. In late summer of XXXX I began receiving messages from the mortgage holders that payments were delinquent, and eventually I received phone calls from them. I explained the divorce and that the responsibility for payment belonged to her. I then contacted my attorney who, through her attorney, threatened to file contempt charges if she did not keep payments current. When calls from the mortgage company continued, I emailed my ex-wife about the missed payments. She replied by email that she was doing it to ruin my credit score. ( Her sister told me that she had told her the same thing ). I forwarded her email to her attorney who must have convinced her it was a bad idea, because she began making on-time payments. I also informed the mortgage companies of the email statement and was told they had documented it in the mortgage file. 
I recently was told that my credit score had dropped significantly, so this morning, I requested copies of my free annual reports from the website. Although I thought I had selected to see reports from all XXXX credit reporting agencies, the only XXXX I was able to access was the XXXX from Equifax ( which does show late payment on the mortgage account mentioned previously ). I tried to request the XXXX and XXXX reports a second time, but received a bounce telling me to come back in 12 months. I can not find a way to access the requested reports from XXXX and XXXX but since I have not done so, it seems they would still be accessible to me. 
Please provide instructions on how to access the credit reports from XXXX and XXXX 
Thank you. 
XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery has reported to my credit report owed XXXX XXXX XXXX XXXX XXXX XXXX amount of {$3200.00}. This creditor has written this debt off so the debt is no longer owed and and not to be pursued. Please remove this from all XXXX credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days
Product: Checking or savings account

I am writing t file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions, thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX XXXX XXXX ; {$190.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX   XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general inXX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX  XXXX XXXX XXXX to collect.
Product: Payday loan, title loan, or personal loan

Pre-approved live check came in the mail XX/XX/2022 from Tower Loan-System. A soft inquiry was done for pre-approved live check before sent to me. 2 hard inquiries were later done in XX/XX/2022 and XX/XX/2022 placing them 32 days apart. I was not notified nor did I agree to these inquiries nor did I apply for a new line of credit. The creditor is using hard inquiries to bully me into paying the debt. The inquiries have had adverse action on my credit. I lost my eligibility for a rental application ( housing ) due to this. I am head of household with XXXX infants under 12 months.
Product: Credit card or prepaid card

My father, who is an authorized user on my Home Depot Credit Card, had his Home Depot credit card used by someone else. I report the fraud to XXXX XXXX and they initially credited my account. However, a few weeks later I received a letter from Home Depot credit card stating that they had completed their investigation and my father did use the card and since he is an authorized user on my account, I am responsible for the charges. The only problem is my father was in the hospital since late XX/XX/2022 with a subdural hematoma and in a coma. My father never left the hospital and on XX/XX/2022, my father passed away. I provided this information to XXXX XXXX during our initial conversation. I again faxed this information, with supporting documentation on XX/XX/2022 and XX/XX/2022. Home Depot credit card stated they did not receive the faxes even though I have successful confirmation fax sheets for both faxes. I also mailed the supporting documentation on XX/XX/XXXX but again Home Depot credit card claimed not to have received the mail. I them certified mailed the supporting documentation to Home Depot credit card and they finally acknowledged receiving the information, but they have taken no action to remove the fraudulent charges from my account. I don't what else to do to prove to XXXX XXXX that neither I, nor my father, made these fraudulent charges. I told them to them to look at the video at the cash register where the charges were made and they told me they do not XXXX XXXX XXXX XXXX videos, which made no sense.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX # XXXX XX/XX/XXXX -- {$3900.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The 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 items. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are in default. I have entered into a payment arrangement with ACT, the collection company for the loan issuer. Th e Dept of Education tel ls me they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to change  ( the d efault ) however, they should have to report my payments and show that I am trying.
Product: Credit card or prepaid card

I have yet to Receive money now the bank is trying to keep my funds for a negative balance I didnt cause because I still had money in my account before yall took my money out without my knowledge then told me after they took it a month later Because how do the Bank of America take credits you guys made permanent and put it towards a negative balance yall caused me to have my bills are to backed up for this I need my funds released now all of them theres no excuse for taking my funds to fix any negative balance caused by Bank of America when it should Have never happened And putting them towards any negative balance regardless of me taking money out of my credits wen they were made permanent my negative balance should have been 0 out before putting my money back then I was told i paid for 2 claims that wasnt approved but the bank approved 2 but my whole claim clearly states that i never received my card at all so how do they approv 2 but deny 2 Im ready to get a lawsuit going on this bank on top of a fed investigation because one I should have had my money already and 2 theres no way they can keep my money to fix any negative balance they caused and lied about very unexceptionable its been over 5 months I have a family I wont take this from a bank or anyone on this earth AT ALL!!!!
Product: Debt collection

On XXXX XXXX this account was reported and removed off of my credit report because it was a result of fraud. On XX/XX/year> a new collection agency reported the same debt as a new account with a more recent open date. This is an illegal re-aging of fraudulent debt which violates the FCRA 15 U.S.C 1681c ( a ) And FDCPA.
Product: Credit card or prepaid card

Late payment reported ( {$76.00} ) to my credit report that caused my credit score to decrease greatly. I made the payment and just want the late payment taken off my report. As my credit report shows it has 100 % payment history prior to this late payment. I hope BARCLAY BANK CARD can over look this one time mistake and erase the late payment. Credit card company : BARCLAY BANK Credit card : BARCLAY XXXX rewards card