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

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have submitted three requests to LexisNexis for my Consumer Disclosure Report and they keep sending letters saying they can not verify my identity. I have submitted the requested IDs and copies of bills verifying who I am yet they continue to deny and do not respond to my inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time disputing an item on my credit that was not verified or accurate. I have given sufficient evidence that the bankruptcy court states that they do not furnish any data anyone or any credit bureaus. I recently put a security freeze on my XXXX report and submitted another dispute letter. Trans Union responded with the item was verified. That was a blatant lie. The couldn't have verified it with XXXX because the was a security freeze on my file/report. Who did they so-call verify the the items with? 

Attachments : Letter from Bankruptcy Court Disputed Letter Proof of Receipt of Letter Response From Trans Union XXXX Security Freeze Letter
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect lat
e payment record on my CB/VICSCRT XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

I was contacted by mail by XXXX XXXX for a debt that is not mine, this account was established at XXXX XXXX  XXXX XXXX XXXX Ca. The debt was originated in 2008, meanwhile this company has been selling this debt to collection companies, the debt sits on my credit profile and I want it removed.
Product: Credit reporting or other personal consumer reports

Creditor sent in debit. I sent in a XXXX requesting specific requested information to validate debit. creditor failed to send in the specific requested information to validate debit. This debit is currently being investigated by Florida Department of Agriculture and Consumer Services case number XXXX for breech of lease and illegally processing and keeping the security deposit. This debit was not to be turned over until the investigation was complete. Once it is complete all parties are planning on suing the Creditor for damages and loss of personal property. 

This is for the following people including myself : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was issued a US Bank XXXX  payroll card in XXXX of XXXX, I used the card to get paid for about 6 months. I then quit the job. I stopped using the XXXX  card. I got another checking account with US Bank and no longer needed the XXXX  card. I called in XXXX of XXXX and asked for the card to be cancelled, the CSR assured me it would be cancelled and a Check for my remaining balance sent to my address on file. The account is still visible on my US Bank app and still has a remaining balance. I want the card canceled and my balance refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One and XXXX XXXX on XX/XX/27 because they reported my payment had been late up to 60 days, I asked them from proof of this payment history which they could not provide. This is negatively affect my credit score.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report shows in my public records a bankruptcy chapter XXXX discharged date filed XXXX and a bankruptcy chapter XXXX petition filed date filed XXXX. I call Experian customer services but get no one the IVR just skip through questions and hang up. I emailed customer services also they emailed me back saying call customer services.
Product: Credit card

I asked Citi BestBuy credit card to lower the existing inflated 30 % credit card interest rate to lower reasonable rate. I negotiated with XXXX XXXX and they lowered my cc card from 28 % to 8 %. But, their customer service department refused to lower the cc interest rate and said it is their policy. Balance due is approx. {$11000.00}.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ; XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. 
Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX this year I have sent a letter regarding unknown things on my credit report, To this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these inquiries be deleted immediately or I will file for litigation due to the stress you caused me. I also Identity Theft online through Federal Trade Commission website which I attach to the letters sent to the Bureaus. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

I also know that the FCRA states that only purposes for pulling someones credit report is : firm offer of credit, insurance, court order or employment. With that being said, I am unaware of the inquiries listed on my report, I never authorized such and I ask that your agency please help me to remove the inquiries from reporting on my credit report.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX - Account Number:XXXX This is not mine. 

XXXX XXXX XXXX Account NumberXXXX Please investigate and delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having some issues with my credit report with Items on it the are not mine. Its possibly fraud. I would like to have a copy of my credit report. I am disputing the follow account they are not mines : XXXX XXXX   BAL : {$1100.00} XXXX XXXX 30 DAYS LATE. 
I HAVE NEVER OPEN ANY ACCOUNTS WITH XXXX XXXX XXXX FOR ANY BUSINESS PLEASE DELETE OR BLOCK THIS ACCOUNT.605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ]
Product: Money transfers

hello, I send money from Walmart using money gram, international transfer to XXXX, bank deposit, the receiver never got the money. I call every day to money gram to find out why the money was not deliver, the answer is please wait 24-48 hours we will investigate and we will call you back, the never did, I call again asking for refund, and again please wait 24/48 the say, with no answer where is the money? today I call again and the did n't want to transfer me to escalating department the just told me to wait for the answer .but is 2 weeks since I send the transfer, and the ignoring me over and over the have no answer!!! please help,
Product: Credit card

I have a credit card with some " balance transfer '' with a 0 % APR promotional rate that expires in XXXX. I also have some balance from purchases whose 0 % APR expired last period, XX/XX/year>. I gave an extra payment to pay the balance from purchases and keep only the no-interest balance. The Bank applied these extra payments on XX/XX/XXXX to my interest-free " balance transfer '' balance, instead of to my " purchases '' balance which was already accruing interest. 

I called the company two times. 

The first time they said I had to pay my balance in full to avoid interest. 

Later I researched a bit and found out there is a law forcing them to allocate extra payments to higher interest debt first. 

I called again, and they said that when I gave the payment, the purchases balance was still under a 0 % APR, so both balances were equivalent regarding interest, and he said that purchases balance had a 'lower ID ' or something like that. 

However, that means there was no way for me to avoid that interest because any payments would have gone to the balance transfer balance anyway, which makes their process fundamentally flawed and designed to charge interest when two 0 % APR with different expiration dates co-exist in the same account.

In fact, they've been applying one year 's worth of minimum payments ( which are calculated based on the total statement balance ) to the " balance transfer '' balance, despite that balance expiring later than the purchases balance, and thus being less likely to cause interest charges.
Product: Checking or savings account

BBT and Sun Trust recently merged. None of my log on credentials no longer work, and the company has wait times of XXXX minutes to speak to a representative. Everything was fine when I was a sUn-Trust customer. It seems that this merged bank goes out of its way to avoid talking to customers. 
They want a customer to fix problems themselves. They are a great source of annoyance and frustration. Can you help?
Product: Debt collection

In XXXX, I used XXXX for dating services. I cancelled my subscription once I was done and paid in full. Over two years later, XXXX says I owe a debt and sends it to collections ( RFGI ). I do not owe XXXX any debts and their practices are deceptive to consumers. I know I am not the first user of XXXX to face this issue and these practices need to be looked into. They also violated their terms of service by not pursuing this issue through arbitration.
Product: Mortgage

On XX/XX/XXXX a registered security was submitted to this company 's Trustee for the purpose of satisfying the outstanding obligation pursuant UCC 3-603 and UCC 3-604 . A billing error notice was submitted and an instrument was tendered in good faith and with the intent to discharge the debt in full pursuant UCC 3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt and my account was not adjusted properly. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, XXXX, XXXX and XXXX rules and guidelines in relation to handling securities. So, once the forensic audit proves my XXXX number is being transferred, sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of securities fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reluctant to remove incorrect and invalid information. I have been disputing for YEARS. Im pursing legal action at this point. I have submitted FTC reports with no response or change to my report. The account in question is XXXX XXXX from XX/XX/2020. Experian is unable to provide you a valid phone number or address for that invalid account. My report is also full of wrong information. They have an XXXX addresses their completely unrelated to me. 
the XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX is also not my address. XXXX XXXX is never a name I have gone by! Its clear that my report is being mismanaged or mishandled by the credit Bureau Experian. Thy must correct all the errors.
Product: Credit card

My wallet was stolen on the night XXXX XXXXXX/XX/2023 In that morning, I got alerts about fraudulent charges on my credit cards, and I denied all the charges. I filed a police report the same day XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Most banks permanently credited the fraudulent charges to my credit cards. 

Bank of America was the exception, and after a long investigation decided not to pay me back fraudulent charges ( {$210.00} made at XXXX and {$12.00} made at XXXX ), with a reason that " The merchant provided documentation confirming you received the merchandise or service. '' Not only this does not make any sense, but it is also a violation of BofA and XXXX 's {$0.00} XXXX XXXX clause. I suggest canceling XXXX accreditation for BofA, if they can't uphold their promises, and make their customers of XXXX loyal years feel like criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. You sent this information to the Credit Bureaus and they said everything was verified. I asked for proof from the credit bureaus but none was ever give. According to the FCRA the credit bureaus must give me the proof that i asked for to validate these accounts. I asked for the name of the person validating their position their mailing address and their phone number. I never received any information, but everything was verified as correct. I am also attaching a copy of the request and letter that i sent to the credit bureaus.
Product: Credit reporting or other personal consumer reports

There are fraudulent items on my credit report that I have never authorized or benefited from, and their presence is deeply distressing. These inaccuracies are not only damaging my credit but also tarnishing my character, which is both insulting and a violation of my rights as a consumer. Despite reporting this fraud to the Federal Trade Commission, the items remain on my report, which is incredibly disappointing. The very systems meant to protect consumers like me have failed to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not access my consumer report published by Equifax. Please review attached.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my fami