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

XXXX XXXX XXXX XXXX XXXXXX/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 Transunion 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 a credit card account opened at 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 XXXXXX/XX/XXXX. This account and these inquires have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # XXXX 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 card or prepaid card

On XX/XX/XXXX I was issued a check for {$52.00} from Barclays, a refund from interest and fees associated with fraudulent charges on my XXXX XXXX that were finally removed and restoring my balance to {$0.00}. My XXXX statement showed these same fees in the amount of {$52.00} back on my card. When I called Barclays I was assured the charges would be reversed by the next billing cycle. On my XXXX statement, the {$52.00} is still there, along with a late fee of {$29.00} for not paying the erroneous interest fees. I called Barclays again to have the charges removed and was told I would need to go back through the fraud complaint process.
Product: Credit reporting

I have disputed this account via this website and have not received a response within the allowed timeframe. It was given 30 days to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act 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. 

This is a fraudulent account ; I did not open any account with this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the agency didnt make sure it was reporting 100 percent correctly. XX/XX/XXXX, I mailed out my concerns in regard to in accuracy and invalidated inaccurate information that I noticed on my credit report. I have disputed the following accounts and also mailed out letter and a dispute letter as to why this information is in accurate. As of XX/XX/XXXX, all three credit Bureaus have received my letters and copy of my identification. After the 30 days from the date, they all received my concerns that was giving, I did not receive any requested information asked to validate 100 % accurately any of the following accounts or any response as my consumer right to prove the accounts are mines. I mailed out a follow up letter after the XXXX of XXXX. In addition, not only did the credit report agency specifically Transunion and XXXX have not removed the in accurate accounts off my credit report. TransUnion specifically just mailed me a letter that I received XX/XX/XXXX which is more than the 30 days according to the FCRA laws to respond they stated the following accounts are VERIFIED AS ACCURATE. Accounts they are allegedly saying is accurate are XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I as a consumer have the right to understand how this came back validated and or proof of the following accounts such as original contract with my signature proof of identification and the actual thorough investigation on as to how did they find this accurate. My rights are being violated in many ways including the Credit Agency not responding within the designated days according the FCRA laws, also I asked for very descriptive information including again the original signed contract with my signed signature and to accurately prove and validate the accounts. The credit reporting agencies stated the accounts were properly investigated and came back as verified as accurate. However, how is this true when there are several inaccuracies showing on my credit report. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately. 
As a consumer, I requested to know all the steps the agencies took to insure these items were 1005 accurate under 15 U.S.C. & 1681i ( 7 ) Method of verification-description of reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts, Account Number XXXX. XXXX XXXX XXXX XXXX ( The dates do not match on this one and are invalid. Furthermore the XXXX date is well past time to fall off. ) XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( this account has two different names and two different account numbers therefore it is incorrect and a validation discrepancy. ) XXXX XXXX XXXX XXXX XXXX XXXX, & XXXX CP XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit agencies to have these unauthorized inquiries removed from my report and there has been no adjustments to my report. Here are the hard inquiries listed below. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX sent me a debit card for an account that I did not open. When I asked them when this account was opened, they told me I had to tell them more personal information about myself which I declined. She closed the account. 

Same thing happened with XXXX.
Product: Consumer Loan

On a Sunday afternoon our Son XXXX while XXXX. XXXX We found an XXXX that day who would see him. When we arrived the receptionist told us they do not accept our insurance and the procedure would be approximately {$3000.00} dollars. She suggested that we applied to carecredit/synchrony bank to cover the expenses. I called my wife and she applied at home on the computer. We were approved instantly, however we did not have time to look over all the details regarding the loan because of my son XXXX. We took out the loan in XXXX 2012 with XXXX percent interest and paid faithfully every month for 18 months. We only had a few hundred dollars left to pay, when suddenly XXXX dollars in interest were added to our account. We did not realize this would happen. Our payment went up significantly and we continued to pay on time each month. Only now when we paid the interest continued to grow and the balance did not go down, even when we paid extra. Finally after XXXX three years of paying carecredit/synchrony bank we have paid everything we borrowed plus over a XXXX dollars in interest. This year we had circumstances in our finances that prevented us from continuing to pay this never ending debt. I feel as though we were vulnerable to unfair lending practices because of our son 's need of XXXX attention on that Sunday afternoon. I believe the XXXX office and carecredit/synchrony bank work together to use predatory lending tactics on consumers when in a desperate situation. Since we have missed a few payments carecredit/synchrony bank is out to ruin my credit. Not only from late payment reporting but by consistently running inquires of my credit report. I have paid them everything I owed plus interest. The amount that they are now asking is unfair. I would have never taken out this loan had I understood the nature of the loan.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$XXXX} XXXX  XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$XXXX} Chargeoff XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/closed XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Charged for a credit monitoring service I never signed up for by Transunion.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX is reporting late payments for XXXX, XXXX, XXXX. 
I requested for these late payments to be removed off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union continues to verify an account that is reporting inaccurately by using public records data. Ive pointed out to Trans Union several times the information is incorrect and every dispute comes back as verified and updated but has no change in the account information whatsoever. Ive also reached out the the County of XXXX XXXX who has stated they DO NOT VERIFY ANY INFORMATION WITH CREDIT BUREAUS. Since this is the case, its obvious that Trans Union has not conducted an Investigation and has violated my rights under the FCRA
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery has listed a debt on my list of creditors that I wasn't notified about through any form of communication. I was not afforded the opportunity to dispute unverified debt they purchased from XXXX XXXX XXXX division.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the addresses listed is associated to a fraud committed against me getting services from XXXX. It is : XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX.
Product: Credit card or prepaid card

Bluebird American Express suspended my account on XX/XX/2020. I recieve my unemployment and other financial deposits into this account. I have called all morning and tried to log in my account. Everytime I call they tell me my account is suspended but disconnect the call. I have children and no money to get to. Just because I have deposits coming from the government doesn't mean I do not need my money.
Product: Credit reporting or other personal consumer reports

Option to FREEZE & UNFREEZE ISSUE WAS FALSE LANDLORD INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : Balance : $ XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$490.00}
Product: Credit reporting or other personal consumer reports

There Are Unauthorized Accounts listed on my credit report. I did not open these accounts XXXX XXXX XXXX  ( {$49000.00} ) ( XX/XX/XXXX ) XXXX XXXX ( {$1800.00} ) ( XX/XX/XXXX ) XXXX XXXX XXXX ( {$2500.00} ) ( XX/XX/XXXX ) XXXX XXXX  ( {$6200.00} ) ( XX/XX/XXXX ) XXXX XXXX XXXX ( {$300.00} XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( {$3500.00} ) XXXX XX/XX/XXXX )
Product: Bank account or service

I bank through hunington bank and I have been ripped off by XXXX I stopped my auto pay notified the bank they still allowed the transaction to go through then returned everything that was already pending and charged me a fee on all transactions up to the {$1000.00} mark after disputing it on both sides the bank declared it as my problem and XXXX has admitted fault and is willing to refund the money and the bank refuses to change the fees due to there error of not stopping it disputing it in a timely manner so that this would not happen
Product: Debt collection

I have been receiving calls from a debt collection agency for years. Every time they call, they ask for the same person who has my first and last name but a different middle initial. It appears that NAR in Arizona is the company that calls me once every few months. I have asked this company to remove my phone number from their database yet I receive calls from them on a regular basis.
Product: Vehicle loan or lease

its incorrect information being reported on my credit report.. 
XXXX, XXXX its in positve standards and XXXX is saying negative its inaccurate information thats being reported please validate this or delete
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

With reference to Section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report.

The report records that Jefferson Capital Systems. I request that you provide the original documents for this information containing my appended signature and any other related information.

I am filing this complaint because I have never had any affliction with this company. I have never had phone service and I have been on my parents phone account since Ive had a phone. This account is hindering my credit score tremendously and it is very unfortunate because I have been trying to get it off my credit report for awhile now.
Product: Vehicle loan or lease

Class action lawsuits says unfair and unlawful pay to pay fees for payments made online and by phone XXXX $ to XXXX $ .By assessing these fees, Ally has used unreasonable means to collect a debt in violation of state law filing alleges.
Product: Checking or savings account

Wells Fargo does not respect or honor the funds of its customers like it regards its own money. This bank would still expect to be reimbursed for this money if it were their money. Wells Fargo would never just let someone keep the bank 's {$4000.00} regardless of how long or where the other party had possession of it. 

Several of my bank accounts and other online accounts have been hacked over the past 3 years or so by the same people. There were several charges that should have been credited as I complained shortly after they occurred in XXXX, XXXX, XXXX, XXXX, and XXXX. My other banks investigated and took care of the credits to my accounts. But Wells Fargo said they would look into the issue and get back to me. But nothing ever happened. When I went into the bank in XXXX they said they filed another complaint. However, they denied my claims. Still several outstanding charges remain unpaid. I want Wells Fargo to credit my account for the over {$4000.00} in unpaid claims for fraudulent charges occurring in 2022. This has become an urgent situation now.
Product: Student loan

I am referring back to complaint XXXX about setting up auto payments ; unable to do so via their website ; I emailed nelnet and they never responded! I complained and they tried to call me ; I called them back at XXXX and waited an hour never was able to reach an agent! They are lying ; they do not respond on purpose. I have tried everything and nelnet is lying! I want to set up electronic payments and get a quarter percent discount on interest ; they are not allowing me to set up on purpose! theyare thieves and liars and they should be reported for bad practices to the department of education
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion keeps messing with credit score I have reported this. My score is XXXX now today I dont have a score
Product: Payday loan, title loan, personal loan, or advance loan

I researched a personal loan with American Express before applying. The way in which American Express charges interest and how much they charge was completely different than was disclosed to me before taking the loan. I have made multiple phone calls on multiple days with only stonewalling and additional incorrect information or inconsistent information resulting. Multiple supervisors, managers and customer service agents refused to transfer my call, disconnected the call or claimed they would call back but did not. One manager who called themselves " XXXX '' spent over 40 minutes on the line harassing me instead of transferring the call as requested. American Express continues to charge interest on the original balance of the loan despite all on time payments made that reduce the balance and interest. American Express customer service is utilized to keep borrowers in debt despite making payments on time in good faith. American Express personal loans are a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. I sent Experian everything they required to fix this issue. I included my FTC Official Identity Theft Report, Police report, all documents, I even sent them a letter directly from a creditor that clearly states an account should have been removed. With all that sent to them, they still haven't removed 2 fraudulent accounts. There's literally nothing more I can send them. I just want this issue resolved quickly so me and my family can get our life back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I drafted the attached dispute to Experian advising that my " personal information '' appearing on my credit report had errors. I have attached USPS receipts indicating proof that the dispute was delivered on XX/XX/2021. Despite this, the incorrect information remains on my credit report more than 30 days later.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XX/XX/year> XXXX  -- - UNAUTHORIZED INQUIRY 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I HAVE CONTACTED THE DEPT OF ED NELNET ON SEVERAL OCCASIONS. I HAVE ADVISED THEM THAT I NEVER TOOK OUT LOANS WITH THEM AND THEY STILL CONTINUE TO REPORT ON MY CREDIT REPORT THAT I AM 120 DAYS LATE WHICH IS NOT TRUE BECAUSE THEY GARNISHED MY TAXES ONE YEAR AND I HAD A OFFSET FROM THEM WHEN I ADVISED THEM THAT THE LOAN WAS NOT MINE. I HAVE CALLED SEVERAL TIMES AND BEEN TRANSFERRED WITH NO HELP. I HAVE EVEN SENT LETTERS ASKING THEM TO REMOVE THIS OFF MY CREDIT REPORT ESPECIALLY SINCE THEY GARNISHED MY TAXES FOR A FRAUDULENT ACCOUNT. I HAVE NOT GOT A RESPONSE AND ITS STILL ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquires on my report i did not autorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX