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

I am a victim of identity theft and have been a victim of identity theft for over 11 years. The following 2 credit card accounts are fraudulent and unauthorized : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX, XXXX, MN XXXX, I have never lived at the above address. I want the following phone number deleted from my credit report : XXXX, the phone number do n't belong to me
Product: Credit reporting or other personal consumer reports

I repeatedly call experian regarding an issue with my credit score. Based on XXXX months ago when i called because i saw a XXXX drop for no reason. My debt amount went down {$4000.00} and they decrease my credit score. I have been disputing inaccurate items on my report. As of yesterday they corrected my addresses, removed some unknown inquiries but not all and removed the XXXX  so I go to look at my report, instead of going credit scoring going up they decreased it by XXXX points which does make any sense to me. Everything is unchanged. So how is it when negatives are taking off that your scores are being reduced and it seems im being penalized for asking to correct and issue so now my credit score takes a nose dive. I am requesting an investigation into this issue with my credit score. I'm trying to repair my credit back to go standing and score by asking them to correct the inaccuracies but instead they are taking major points off my credit report and making it worse.
Product: Credit reporting or other personal consumer reports

I submit this complaint today to notify you that I have been a victim of identity theft. Upon researching the process to remove fraudulent items from my report, I discovered that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file an identity theft report. As per FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report. Enclosed are the documents to assist in the removal of erroneous information currently posted on my report. The following is a list of items that 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 XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ), Credit Reporting Agencies are required to remove any items in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I was frequently solicited by mail from One Main Financial. The advertisement 's were usually offering same day loans of {$10000.00}. I would take  XXXX  loans from them from and pay them off immediately as the interest rates are in the are of 27-29 %. The third loan I took from the company was in 2013 and would be for {$5000.00}. I paid   XXXX   XXXX   of the {$5000.00} immediately and this covered my monthly payments from  XXXX  to  XXXX . In  XXXX  I would go a few days without phone service after my cell phone broke. My loan was not even a month past due and One Main representatives called my Mother, Uncle and my job and discussed the debt in detail with my relatives. This being a direct assault on my privacy rights as a consumer I phoned them and told them they what they had done and responded by telling me I have done this to myself. I refused to pay after this violation of my rights and personal damage done to my personal relationships and One Main is attempting to sue me for the amount past due plus {$460.00} in interest. These predatory lenders are unjust in their practices and in complete violation of The Fair Debt Collection Practices. I previously worked as a collection agent and am appalled at their tactics and would never discuss a debt to someone other than the debtor much less for a payment less than three months past due.
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have XXXX XXXX to be on 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint myself. please do not close this complaint please submit it to the credit reporting agencies. I noticed accounts that do not belong to me on my credit report and i called the companies and i did not authorize these accounts nor did I benefit from them im any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continued 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 items 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 alleged fraud or extortion. 
XXXX XXXX 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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I SPOKE WITH SOMEONE WITH EQUIFAX NAMED XXXX AND WAS RUSHED OFF OF THE PHONE WITHOUT RECEIVING PROPER ASSISTANCE. XXXX WAS RUDE AND WOULD NOT LET ME TALK. ACCORDING THE FRCA ANY UNVERIFIED INFORMATION MUST BE REMOVED FROM THE CREDIT REPORT. 
I CALLED REGARDING A DISPUTE I FILLED MONTHS AGO.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against cashapp ( Block Inc ) due to indadquet customer service and unfair pratices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measure to prevent and dress fruadon their on their platform, leaving my account vulnerableand unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused me significant inconveniece and fiancal loss and seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, and nonverbal per 15 USC 6802. Opting out of reporting for accounts XXXX XXXX, XXXX, XXXX XXXX, XXXX of XXXX
Product: Student loan

I was apart of the XXXX XXXX XXXX fraud. I'm reading alot about people getting there debts paid off because of this corrupted company. 
I went from around XXXX  XXXX I still owe XXXX. 
I got my bachelor 's XXXX XXXX XXXX, XXXX XXXX, MI Where do I go from here XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I cancelled my Experian membership XXXX months ago, I was given a confirmation number ( XXXX ). My credit card continues to be charged monthly despite the confirmation number. It is nearly impossible to reach anyone with the numbers provided. The online prompts send you through an endless loop and never let you cancel or talk to a representative.
Product: Checking or savings account

I am the mother of XXXX children with savings accounts in your institution. In XX/XX/XXXX, I went into a branch in Florida and opened XXXX custodial accounts. I have been struggling since then to save money for their future as every month Bank of America takes {$5.00} monthly fee from each account. At times, putting me negative and I have to add more money to just have a positive balance. To my dismay, I just found out that this is something that was not supposed to happen and the account was opened in XX/XX/XXXX incorrectly by the financial representative. The person put my date of birth instead of my childrens date of births and due to the representatives error, my children have been financially affected. Bank of America has been stealing my childrens money for years. I have been trying to save for their future, college, etc and it is to the point where I had to open accounts elsewhere because I am fed up with the theft of my hard earned money. 

I called Bank of America and was told that they could not return my kids money for the years that your institution has stolen from me. They could only go back to XX/XX/XXXX. How is this possible? The money that was stolen was not BOA money but my childrens future funds. Bank of America has been robbing us blind for years and will not do the right thing by reimbursing the service maintenance fee since the accounts have been opened as well as any negative balance and overdraft balance paid. As a Bank of America customer since XX/XX/XXXX, I am appalled at how this institution can rob childrens accounts and do nothing to fix it. I even went to an actual branch today and was told they could only do an incident report and wait 14 business days to see IF it will be decided to refund money that WAS NOT YOURS TO BEGIN WITH. I hope that this email reaches someone that can do something to change this.
Product: Debt collection

On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Sometime on XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX, trying to collect on an alleged debt with JPMorgan Chase Bank, N.A. that is part of an issue with Identity Theft. I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.
Product: Credit reporting or other personal consumer reports

The following accounts on my consumer file is due to identity theft and needs to be removed and blocked on all three credit bureaus
Product: Consumer Loan

LENDER sold and inspected SUV with check engine light and many other e problems due to kill switch hacked in to harness and plugged into fuse panel so terms are weekly however if i am 24 hrs past due they disable SUV no matter where what and it violate contract law and any logical practice beyond that they charged 400 month i was told 24 months and its actually 36 they claim and the suv is a XXXX books at XXXX maybe they charged XXXX and harass leave you stranded never been more than a day or two except once the bank error but they called we paid 3 payments right then the suv now one yr into it needs tires exhaust check engine electrical battery remote entry messed up
Product: Checking or savings account

I toyed to purchase cloth for my XXXX XXXX  veteran dad, on XX/XX/XXXX after 5 minutes found out the merchant in XXXX so I called to cancel it I was told the purchase wasnt processed but I was charged {$160.00} so I called again but no responses I also send an email but no sign of my funds so I called city bank and disputed the transaction I was told the fund will be refund in my account within 7 days, I disputed It on XXXX XXXX so I called city bank on XX/XX/XXXX and I was hold for one hour and 11 minutes and the supervisor put on hold again and I think they hung up and now I dont know what to do, please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. Mistaken Identity XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, TransUnion re-inserted a 30-day late payment on an account ( XXXX XXXX ) without informing me in writing. On XX/XX/2022, I sent a Certified Letter explaining that my rights have been violated per 15 U.S. Code 1681i ( B ) ( ii ) : Notice of Consumer-If any information that has been deleted from a consumers file is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion. When I called on XX/XX/2022, I was told by XXXX ( if he provided the correct name ) that TransUnion is not required to notify me. My Rights Have Been Violated!
Product: Mortgage

Overview of LendingTree 's Business Practices : Online Exploration of Current Interest Rates - Passing Key Personal Financial Information to Mortgage Brokers / Lenders - Pulling Consumer Credit Reports - Without Explicit Written Consent -- I was curious about current interest rates - such that I might choose to refinance my existing home loan at a cheaper interest rate. I went to " XXXX '' as they were one of the sites listed after a XXXX search. On their website they have an option to " Browse current mortgage rates ''... which is exactly what I wanted to do. You are then led through a set of basic questions related to your current loan, home value, credit score, etc -- and then there is a final button to " View My Rates ''. Keep in mind, the user believes they are going to lookup rates in their zip-code area... what is NOT clear is that LendingTree will immediately send all your information to 5+ mortgage brokers/lenders and your phone is going to immediately ring. As a matter of fact, my phone rang BEFORE they even displayed representative rates. 

Now, they did have a nice bit of " fine print '' on the page where I selected " View My Rates ''... which has a bunch of legal mumbo-jumbo related to claiming that the user is giving " Express Written Consent '' as per the Fair Credit Reporting Act to immediately share my information with a host of 3rd party companies. I don't know how selecting a " View My Rates '' button could possibly be construed as " Express Written Consent '' to share my valuable credit and contact information - though they seem to think this is perfectly okay. My guess is that their methods are NOT legal, as the user didn't actually provide any form of written consent - and they should not be able to hide behind the law XXXX via their fine print ) and act like they are being above board. 

So what are they really doing? Their whole purpose of letting me " Browse Rates '' was to capture my personal financial information, such that they can immediately share it with their partners... which is a very shady business practice at best. In fact, they go so far as to claim that the user is allowing multiple credit reports to be pulled - which we all know can actually damage one 's credit score! They make their money by sharing personal information - which is fine, but only if they're really clear about it. 

Given that they certainly plan to do these things, they need to provide very explicit user actions - that truly let the user know what is about to happen and that their information is going to be shared/distributed as a result, that they're going to be soliciting calls from mortgage brokers, that credit reports will be pulled, etc.. This should ALL be clear. 

Their usage of the " fine print '' is a truly deceptive and unwelcomed business practice -- one that is obviously part of their business model ( as they're getting paid for the information/leads they provide ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive my report from Lexis Nexis and again they are still reporting all these inaccurate incorrect information on my consumer report. I received a letter stating that they have remove these XXXX { 2 } bankruptcy from my report, but it still showing on there. XXXX, XXXX and XXXX will not remove them because the are stating Lexis Nexis is reporting it to them as accurate. The court for Bankruptcy sent me XXXX { XXXX } letters stating they never give Lexis Nexis this information they receive it from XXXX  system which is a paid system.I am uploading all the letters i received from this company. 
Also to delete XXXX XXXX XXXX XXXX, that address is incorrect i update my new address so many times. 
I am demanding these incorrect information be remove from my report. these incorrect/ inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, also damaged my livelihood. 
Under USC 1681 Section 602A states i have the right to my privacy. 
So they are in violation of my privacy.They are PROHIBITED BY LAW not to furnish inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a formal complaint to Equifax on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX and Chapter XXXX bankruptcies from my account due to the fact that they were not mine.

I did not hear from them after 30 days so I wrote them again using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred.

I have included a copy of the second letter along with the receipt of the certified letter that was sent to Equifax.

If you have any questions, I am free to discuss this situation.

Thank you in advance for you assistance. 


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

This account information is incorrect. This amount owed was paid. Negative marks on my credit report that are false
Product: Credit reporting or other personal consumer reports

An account can not be " written off '' ( considered uncollectible and closed ) and " opened '' at the same time ; these terms represent completely opposite states of an account, meaning once an account is written off, it is considered closed and can not be actively used for new transactions. When an account is written off, it means the lender no longer expects to collect the outstanding debt on that account and removes it from their active books, essentially closing it. According to 15 U.S.C. ( the Consumer Credit Protection Act ), while an account can technically be " written off '' in the sense that a creditor may decide to stop actively pursuing collection efforts on a debt deemed uncollectible, a creditor generally can not simply open a new credit account for a consumer with a previously written-off debt without disclosing the past debt history and obtaining the consumer 's consent ; this is due to the disclosure requirements under the Fair Credit Reporting Act ( FCRA ) which is part of 15 U.S.C. The credit file indicates incorrect last payment date indicated within the credit file. Payment dates are incorrect shows it was charged off then opened in paid in XX/XX/scrub> 2024 for account ( XXXX ). Last payment date appears incorrect on the credit file indicates XXXX different last payment dates ( for account XXXX ). The account also indicates the account was charged off and then opened in XX/XX/year>2024. I request Experian remove both accounts with XXXX  company are removed from the credit file for all of the inaccuracies highlighted within this dispute letter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Never Authorized credit inquires ( Not associated with an open account ) Identity Theft Victim!!!!
Product: Debt collection

I went to XXXX XXXX XXXX XXXX XXXX for an X-ray. I never received a bill. I rec 'd an EOB from my insurance company in XXXX and it was reflected an amount owed of {$140.00} for the XXXX x-ray - account # XXXX 
I mailed a personal check # XXXX the first of XXXX and it was cashed by XXXX XXXX  on XXXX. However, I made a mistake and put the incorrect account number in the memo section - XXXX which regarded a bill from XXXX and was paid. Yes I made a mistake. 
I never received anything else until XXXX, XXXX ; from XXXX XXXX XXXX ; who is a debt collector on behalf of XXXX XXXX. I called them on XXXX and advised them I wanted to dispute the debt. I told them the debt was paid but I had made a mistake and put the incorrect account number ( XXXX ) on the memo portion of check. 
I rec 'd a further 'debt collection ' letter on XXXX stating they had investigated my dispute and found I owed the amount of {$140.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a dispute request but a complaint that my rights as a consumer have been violated under the FCRA because I have NOT HEARD ANYTHING from the bureaus in 90 days regarding my dispute and I have sent two dispute letters requesting an investigation to the following accounts : XXXX  XXXX  Account Number : XXXX, XXXX Account Number : XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

There are wrong personal information showing in my report