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

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at Regional Finance on XX/XX/XXXX under number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number with a balance of {$1600.00} under account number XXXX that appears related to the aforementioned personal credit card 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 # 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 reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX XX/XX/2023 ; XXXX XXXX XXXX ; XXXX XX/XX/2023.
Product: Credit reporting

I wrote TransUnion to dispute bankruptcy information on my report that is affecting my credit score. I asked for specific verifyable documentation proving this is my information, which they have not provided. Civil Case # XXXX XXXX, XXXX XXXX XXXX v. TransUnion LLC violated the consumers right to fair and accurate reporting.
Product: Credit card or prepaid card

I HAD 2 CREDIT CARDS WITH CAPITAL ONE AND HAVE PAID IN FULL AND KEPT CHARGING FEES AND STILL REPORTING ON MY CREDIT.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, 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 XXXX  # XXXX 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 XXXX  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: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their duspute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer ACT ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

I attempted to sign up for a credit card at XXXX XXXX to receive an additional 20 % off of my purchase. The sales associate told me that it was a soft inquiry, and that if I was not approved, it would not show up on my credit report. After looking at my credit report ; it turned out that it was a hard inquiry, and not a soft inquiry as he had told me. I would not have attempted to sign up for the credit card if I had known this to be the case.
Product: Credit reporting or other personal consumer reports

I checked my report and the following is violating my rights Under 15.U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Inever gave equifax any written consent to report the accounts below. No consent is Identity Theft. As a consumer I am demanding deletion of these inquiries and account from my file -account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Money was taken that I didn't owe out and didnt know why or how. My credit score dropped. Numbers on my file I don't own or have ever owned by
Product: Money transfer, virtual currency, or money service

Hello Im writing in to file a complaint because following the CFBP lawsuit I too have my concerns. Although I use Zelle thinking I am safely sending money to others some way I always have numerous of unauthorized transactions. My financial institution failed to investigate any of these claims I have made. CFBP states that Zelle has not only neglected to protect consumers but they also allow repeat offenders exploit the system. Leaving users stressed and vulnerable over these scams. The lack of sympathy and accountability is unacceptable & unfair to consumers safety.
Product: Credit card or prepaid card

I keep getting emails about an upcoming payment on a Kay Jewelers credit account with a {$400.00} balance. I have never our based anything from Kay 's Jewelers. I keep being redirected from one number to another, each assuring me that the other number can resolve the issue. However, it's a never ending loop. I did ask one of the reps if they could pull up any accounts in my name so I could find out what kind of purchase " I '' had made and when they put my name in they reported that they see no purchases under my name. And then transferred me to the other number, because " they handle that ''.
Product: Consumer Loan

Vehicle loan with B of A was paid off in XXXX 2013, but there were late charges that had accrued on the loan. These late charges were disputed with B of A, but it took several months to actually get a response. Eventually the late charges were paid off. However, Bank of America continues to report the ENTIRE loan as a charge off and has not updated the account as paid. I want the account either reported as paid in full or, at the least, a notation put on the account that only the late charges were a charge off, but that the auto loan itself was paid as agreed.
Product: Credit reporting or other personal consumer reports

XXXX is claiming multiple accounts in my name have 30 day late payments but have been closed. These items were put on my credit from XX/XX/2023. These are not my accounts I have not benefited from these accounts. Payments on this account are not me. I have opened a police report and want them to be deleted from my credit report.
Product: Debt collection

There are several fraudulent accounts on my latest credit report that I did not approve. I request their immediate deletion.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX # XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : CFPB, Experian, XXXX and XXXX I am writing to have this derogatory reporting removed from my credit report. This account is listed as a charge off. A charge off is considered a certificate of indebtedness. It also means it is income and income can not be reported to my credit report. Please refer to IRS Publication 4681 attached.

I also did not give you the credit reporting agency consent to disclose derogatory information that has prevented me from getting credit. I was not given the non- disclosure option and the right to opt out per 15 USC 6801-Protection of non public personal information,15 USC 6802- Obligations with respect to disclosures of personal information Per CFR 313.7. I was also not given adequate notice as the consumer to opt out of the reporting. 

Again, a charge off is a certificate of indebtedness which is income and income can not be reported on my credit report. I am requesting that the item be deleted from the report. 

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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX
Product: Debt collection

THE BUREAUS INC did not have my DIRECT consent to communicate with me. In an attempt to collect an alleged debt THE BUREAUS INC used the medium form of my consumer credit report to communicate an alleged debt to me. THE BUREAUS INC 's actions also displayed this alleged debt information to others that had access to my consumer credit report. THE BUREAUS INC disgraced and defamed my character as a consumer, by reporting this alleged debt on my consumer credit report. These actions are unfair and abusive practices, and are not in compliance with the law. THE BUREAUS INC, has not provided any lawful proof that I signed any agreement/ contract with THE BUREAUS INC that would make me liable for the alleged debt.
Product: Credit card or prepaid card

I used my HomeDepot Credit Card and then returned the product. The return was processed late on the credit card for some reason and I got to have a balance due to a late fee. The card is charging me a late fee OVER a late fee for a product that I returned. 
It is a very bad integration between THE HOME DEPOT and CITI CARD. 
I am extremely disappointed as I had a good perception of the HOME DEPOT. 
Now, not related to the problem here, THE HOME DEPOT does not accept returns without receipts or if you get the same card. I am an Atlanta-based consumer I am thinking about only buying at XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I should have no collections or closed account or late payments. Any of the above mentioned are false ill attach and show all three reporting agencies are not matching info. Any collection charge off account was unverified. I also never consented to contract. I also opted out. This has been going on for over 6 months I dispute they refuse to accept. There are multiple of the same accounts listed which also unverified and not mine. Please refer to the privacy act of 1974, public law chap 48,48stat.112 hjr192,15usc6802,15usc1681 permissible purposes, nonmailable address being shown on report please refer to privacy act1984,15usc1666 treatment of credit ,18usc1028 fraud and related activity ( i didn't consent to contract or give authority ) ,15usc1681c-2 ( a ) ,12usc1431,42usc408, ucc3-104, public law 73-10,31usc5118 HJR192, THE FAIR CREDIT REPORTING ACT 15usc1681sec ( b ) written consent ,6801,6802 ( c ) ,16cfr313 privacy of financial consumer info,16cfr313.2 purpose and scope ,15usc6802 opting out ,15 usc6508 inaccuracies reporting ( make my utilization 0 ) ,20usc1232g & 34cfr99 student loans, privacy act 1974 right to privacy. Its also not my duty to verify personal info on myself. My credit report should have XXXX  NAME, NO COLLECTIONS, NO CHARGE OFF ACCOUNTS, NO LATE PAYMENT. ALL HAVE BEEN PROCEN TO BE UNVERIFIED! Negatively effecting my credit score. Please fix immediately. Your acting in dishonor.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my car off on XXXX XXXX 2017 with XXXX XXXX XXXX.
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}.
This is not true. I have contacted all three credit reporting agencies and XXXX XXXX XXXX. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me XXXX XXXX XXXX is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days.
Somebody please help me im at my wit 's end.
Someone please do something!!!!
Product: Credit reporting or other personal consumer reports

Pulled credit when I didn't authorize XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXXXX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After requesting my credit report I notice that several inquiries were made by ex wife and I would like for these inquiries and accounts to be removed from my report.I did not authorize XXXX XXXX to do this.At that time she had full access to everything. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are XXXX unauthorized fraudulent inquiries on my transunion credit report. Transunion needs to remove the follow hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My mom is the original owner of the house since XX/XX/XXXX. In XX/XX/XXXX my mother and I obtained a new loans from XXXX XXXX XXXX and the tile company that close the loan no longer in business and the mortgage company is not in business. The service company was Ocwen servicing. We started paying the loan for serval years when asking the service company about the deeds of the property no response. Mother stop making payments for the loan for one month due to financial issues and the Ocwen didnt want to receive any more money from her. I tried to refinance the loan because I could not. InXX/XX/XXXXXXXX filed for possession of the property with a copy of the deeds of trust not with the original document. At that I could not find any other information about the mortgage. The deeds was not registered in my name after tens years. I never received any information from XXXX about the mortgage. The property is located in XXXX Maryland XXXX XXXX XXXX XXXX Maryland XXXX. I need help with my house. I paid a lawyer more than {$10000.00} I dont have any other money. Please call if any other issues XXXX
Product: Vehicle loan or lease

In XXXX, XXXX I bought my car in Hyundai dealership in XXXX XXXX XXXX, NY. I bought the car as a finance. In XXXX of XXXX I moved to Florida. I went to the DMV in Florida to switch my license to my Florida address and to register my car to get new plates. That is when I discovered that my car was registered as lease instead of a finance. I could not get new plates for my car without the title of my car. I reached out to the Hyundai dealer in XXXX XXXX XXXX and found out that the location closed. I reached out to other Hyundai dealerships and was transferred to so many people that could not help. They told me to reach out to the DMV in XXXX. After countless phones calls and a written complaint form I was told by DMV that all I needed was a letter from Hyundai to say that I can register the car and for Hyundai to give me a certified copy of the title. I reached out to a person in Hyundai that has been helping me and I told him that this was all I needed. Every time I reach out to him he tells me to give them another week. I have been dealing with trying to get my title for over a year now. I do not know what else to do. I have to depend on others to take me to my doctors appointments and to take me shopping. I have to pay XXXX  to take me places which is getting very expensive. I am paying for my car and for insurance for car that sits in the garage. I don't understand how Hyundai can not fix a clerical error that they did. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct # XXXX in the amount of {$630.00} has been on my credit report since XX/XX/2008. This is well past seven years. This should not be on my credit report any longer. However, Experian refuses to remove it despite me calling or complaining. THIS IS AGAINST THE LAW!!!!!! All they do is keep adding unnecessary comments on my credit file under this account.
Product: Credit card

MY LAST CASE IS XXXX. I WAS TRY TO LET THEM KNOW BUT THEY DIDN'T RESPOND OR DO ANYTHING SO I HAVE TO SET UP A NEW COMPLAIN AGAIN.I USE CREDIT CARD OF CAPITAL ONE ON THE DAY XX/XX/XXXX I GOT CHARGE SOME TRANSACTION I DIDNT KNOW LIKE '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ '' AFTER I CALLED FOR THE BANK THEY SAID WILL SEND FOR ME ANOTHER CARD AND TAKE OUT ALL THAT TRANSACTION. NEXT DAY SOMEONE KEEP HACKING AND CHANGE MY PASSWORD AND PHONE NUMBER IN THERE. I CALLED FOR THE BANK TO LET THEM KNOW I JUST USE XXXX PHONE NUMBER IS XXXX BUT WHY IT SHOW IN THERE THE PHONE NUMBER OF THE HACKER IS ( XXXX ) XXXX AND THEY ADD A XXXX USER NAME XXXX, XXXX, AND XXXX I THOUGH IT FROM THE BANK LOG IN TO HELP ME FIX THIS FRAUD TRANSACTION BUT THEN THEY KEEP CHARGING MY CARD BY USE THAT PHONE NUMBER TO VERIFY THE VISUAL CARD. THEY KEEP ADD ACCOUNT IN XXXX PAY AND XXXX AND THE LINK APPS. I TRIED CALLED THE BANK ALOT OF TIME XXXX TIMES A DAY BUT THEY KEEP HACKING BACK FROM XX/XX/XXXX UNTIL XX/XX/XXXX IT MAKE ME SO STRESSFUL SO I DECIDED TO CLOSE THE BANK. BUT AFTER I CLOSED IT TODAY XX/XX/XXXX THE BANK TOLD ME THOES CHARGE STICK WITH SOME USER RELATIVE TO ME SO THEY WILL CHARGE ME. I CALLED THEM TO DONT LET ANYBODY LOG IN MY ACCOUNT OR CHANGE PASSWORD OR MY PHONE NUMBER. BUT THE BANK KEEP CHANGE FOR THEM OVER XXXX EVERYSINGLE DAY. THEY JIUST CHANGED CARD NUMBER XXXX BUT IT NOT WORK BECAUSE THE HACKER JUST GIVE FOR THEM MY SOCIAL NUMBER THE BANK KEEP CHANGE MY ACCOUNT EVEN I VERIFIED MY ID WITH THEM XXXX ALREADY AND TOOK PICTURE DETAIL AND ADDRESS. THE SECURITY OF THE BANK REALLY BAD. I GOT HACKED AFTER I SHARE THE LINK CAPITAL ONE FOR MY FRIEND TO APPLY. AFTER THAT XXXX I GOT HACKED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Gateway one lending is changing old information about account as if they are new account. I had a fraudulent account that was investigated and I filed a police report on and it was blocked due do the investigation. gateway one lending has change the original date, loan amount and account number with XXXX, XXXX, and XXXX. gate way may have sold or sharing the account with SCUSA. I believe this is against the law under fair credit report act.
Product: Credit reporting or other personal consumer reports

Dear, Transunion I am writing to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documenta on you XXXX request from me in relation to this dispute. Upon reviewing my credit report, I have identified UNAUTHORIZED INQUIRIES.