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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit 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 on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$320.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Bank account or service

I previously submitted a complaint to the CFPB concerning Chase Bank 's refusal to accept a properly endorsed check. That was Case number : XXXX. 

Since then, it appears that Chase has chosen to retaliate by closing my accounts. They did so on XX/XX/2016 without warning, without notice, and without my consent. Meanwhile, Chase has refused to tell me why my accounts were closed, and they have refused to give my money to me. I was told on XX/XX/XXXX that I might be able to get my money back on XX/XX/2016. 
Obviously this is an unfair situation. To retaliate for the prior complaint, Chase has STOLEN my money. I am a single parent, and I need this money. It is the only money that I have. 

Please help me with this.
Product: Debt collection

Every month I get my credit report. I discovered that my credit was pulled by a company called Performant. I did not authorize this company to pull my credit.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' Bank of America 's XXXX XXXX 
I desperately called my BOA about XXXX XXXX  on XX/XX/XXXX, when I saw I had mistakenly scheduled an online bill payment that was " processing '' for payment the next day! I can not stop or change my online banking scheduling, once they automatically go into " processing. '' But I thought BOA could stop my mistake, as it did a few years ago, when I made a similar mistake. But this time, the BOA associate at XXXX, said she was powerless to stop my payment that she could not even see! She said I'd have to request a reversed bill payment, the next morning. And she told me I should not get any BOA fees. After I hung up, I emailed XXXX, in the hope that maybe, agents there, possibly could stop my payment. And I called BOA again on XX/XX/XXXX, as that first rep. advised ... only for a second BOA rep. to tell me, no, he still could not stop what was happening! He said I must wait overnight to see what happens, and he said BOA would not charge me fees. This second agent, though, asked me if I had called XXXX XXXX- an act never mentioned by the first agent on XXXX XXXX! I realized I had conflicting information from BOA, and STILL no resolution! I also saw a red, negative balance from BOA processing my {$2300.00} " payment '' on XXXX XXXX, taking funds I do not have! 
I went to sleep last night, and today, surprisingly saw my botched payment " cleared! '' I called BOA a third time, and got an agent who said she was switching me to online bill pay, only for her to actually, switch me to some automated, press-this-and-that-key, phone line! I hung up, and called back XXXX, for a fourth BOA agent. This one assured me he, too, would connect me to a live agent in online bill pay. But, nope! I got that same, automated phone line. Only this time, I decided to listen to the machine, and follow the prompts for entering my checking account number. As I did that, I was bounced to some fifth BOA agent, who annoyed me, as he spoke his script-a-leese! He kept saying what I already knew : I had self authorized my mistaken payment, the payment was going through the system, XXXX XXXX may try to process it again, blah, blah, blah. I annoyingly corrected him, pointing out that the system actually shows my botched payment as already posted and cleared! No one had done anything for me, despite my phone calls to BOA, and I had no written reply to my XX/XX/XXXX, BOA email! It was obvious I had no funds that would cover {$2300.00}, and it was looking like BOA was stalling me, so it could charge me a bunch of fees. My agent mechanically and audaciously said, yes, fees may occur, ( as my XXXX XXXX " payment '' bounces in the system )! I was livid, since no one at BOA intervened on my behalf, AND since that agent basically admitted to what I fear! BOA if playing XXXX with me, and hoping to entrap me in its fees, despite all that was said to me, by its first XXXX agents! So, please, CPFB, intervene, stop my bad payment from bouncing, and do so, without me getting any fees?
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been a recurrent issue with reporting several accounts that were paid by a loan consolidation as more than 120 days past due. Currently being reported to all the credit bureaus are twelve XXXX accounts pay status " Account 120 days past due '' Accounts as follows : XXXX XXXX Dates opened XX/XX/XXXX appears twice {$380.00} and {$810.00}, XX/XX/XXXX- {$2400.00}, XX/XX/XXXX- {$1300.00}, XX/XX/XXXX appears twice as {$1600.00} and {$980.00}, XX/XX/XXXX appears twice as {$1300.00} and {$1300.00}, also there is XX/XX/XXXX entry {$1700.00}, XX/XX/XXXX for {$1700.00}, and XX/XX/XXXX for {$1800.00}. The other account XXXX XXXX reporting {$3700.00} account more than 120 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX-hard inquiry that I never did myself
Product: Student loan

I am the co-signer of a Sallie Mae variable-rate loan. The loan rate is based on the monthly Libor rate. 

The Libor rate has gone down. Sallie Mae has not lowered my rate which is currently 4.25 %. On Sallie Mae 's website they are offering the same type of loan, with autopay enrollment ( which I am enrolled in ) for 3.98 %. 

I called Sallie Mae and was told the loan rate is based on when it was taken out. This does not seem correct since the loan rate is based on the monthly Libor rate which can go up or down monthly. 

I expected loan interest rate fluctuation when I signed for this loan. I expected it to go up and down- not just up. 

Sallie Mae is guilty of False Advertising to Students- casusing additional student debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and found billing issues totaling less than 15 U.S. Errors in billing code 1666 ( b ). Failure of the creditor to accurately record an obligation on a statement, a payment made by the debtor, or a credit given to the debtor. a miscalculation or other accounting-related error made by the creditor on a statement. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there should never be any late payment on this account. Because there are obviously billing errors, I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The relevant account is shown below : XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 - {$560.00} This account has been paid in full and it's still showing up on my credit report causing a negative affect. I wish to have this removed immediately. In accordance with the Fair Credit Report act. CONVERGENT OUTSOURCING, INC. has violated my rights, 15 U.S.C 1681 section 602 A states that i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX was involved in multiple class action lawsuits. The settlement resolves allegations that XXXX violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. As a result, XXXX was removed from my credit reports, and NCB XXXX XXXX had no right to purchase this defaulted loan. I request that XXXX XXXX be removed from my credit reports immediately, as it has caused extensive damage to my credit.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( Please remove this account before I seek Litigation for defamation of character ) XXXX XXXX. {$6400.00}, XXXX XXXX XXXX XXXX XXXX XXXX. {$89.00}
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX - XXXX - XXXX - {$14000.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$500.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I accidentally made a double payment on my Lowes account in XX/XX/2017. I cancelled the payment scheduled for XX/XX/XXXX to correct that not realizing I could not do that. XXXX XXXX contacted me several times and 2 different persons told me id I caught up this missed payment they would forgive the late fees. I did as they asked and ignored the late fees as they had told me they did not apply. However, every month after that they added more fees until my {$67.00} payment due increased to {$130.00}. At this time I borrowed this amount from my neighbor and paid the amount they requested to keep my credit in good standing. Synchrony continued to add fees until the current balance owed is now {$340.00}. I have spoken with them on several occasions but without a good outcome. I have contacted Legal Aid, LOA and Veterans Administration ( I am the widow of a veteran XXXX on XXXX XXXX ) who did not even bother to respond. I am supposed to be eligible for legal assistance as a XXXX era widow. My lawyer suggested I contact you for assistance as she could not help me.. I live on a fixed income and have not the resources to pay Synchrony what they are asking. Incidentally, this account with Lowes is over 20 years old and has been paid in full several times.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX XXXX XXXX credit card through XXXX. Upon approval, XXXX automatically set this credit card as my default payment method without my explicit consent or clear disclosure. I was never made aware that this card had replaced my existing payment method for XXXX purchases. 

Additionally, I never received the physical credit card in the mail and had no way of knowing the account details, billing cycle, or payment obligations. As a result, I unknowingly accumulated a balance on this card for purchases I believed were being charged to my usual payment method. Since I was unaware of the charges, I missed payments, leading to a delinquency on my credit report. 

This delinquency has severely damaged my credit score, impacting my ability to secure a favorable mortgage interest rate and increasing my financial burden. 

Upon discovering this issue, I contacted XXXX to explain that I had never received the card, had no knowledge that it was set as my default payment method, and did not knowingly authorize these charges. Despite my explanation, XXXX refused to remove the delinquency from my credit report. 

I have spoken with an attorney, who has advised me that this situation may violate several consumer protection laws, including : Truth in Lending Act ( TILA ) Lack of clear disclosure regarding the automatic default payment setting. 
Fair Credit Billing Act ( FCBA ) Billing errors due to non-receipt of the card and unauthorized charges. 
Fair Credit Reporting Act ( FCRA ) XXXX  refusal to correct an inaccurate delinquency that resulted from their misleading process. 
Unfair or Deceptive Acts and Practices ( UDAP/UDAAP ) XXXX and XXXX undisclosed default payment setting led to significant financial harm. 

I am filing this complaint because XXXX actions have caused severe financial consequences, and they have refused to take accountability despite clear evidence that I did not knowingly authorize these charges.
Product: Debt collection

I do not have an account or owe Harley Davidson Financial Services ( HDFS ) any money. For the past month, representatives of this company have been calling me about a person who supposedly listed me as a reference. I have not answered. Yet, the company, which is a debt collection agency, has called me repeatedly day after day. HDFS has called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their telephone number is XXXX. On XX/XX/XXXX, a HDFS representative even called me and left a message using another telephone number, XXXX. My phone voicemail is filled with numerous calls from this company. These calls have been annoying and blatant harassment. 

The representatives leave voice messages for me to call them back about my being listed as a reference or wanting me to clarify some details. I want HDFS to cease and desist calling me because I do not want to talk to its representatives.
Product: Credit reporting

I am in dire need of your help. My credit was ruined as a result of suffering from " HURRICANE XXXX '' in XXXX XXXX. The Flood insurance only reimbursed me {$23000.00}. after I had submitted all the paid receipts for work I had to have done on my house and all of the losses that occurred, totally over {$120000.00}. ( my house still is not finished, because I ran out of money ) By XXXX XXXX my22.5 year marriage ended, & mostly due to the financial impact from the Flood insurance. So now I am divorced & living in an unfinished house that I had put a tremendous amour of money in to repair & it 's not even worth what we paid for it, {$560000.00} in XX/XX/XXXX. I desperately need to re-fi but my credit is not good enough. My mortgage ( {$380000.00}. ) is at 4.5 % & a XXXX ( {$53000.00} ) at 6.99 %. If things do n't get better I will lose my house. 
I have worked very hard at cleaning up my credit but I just do n't seem to get a head because of things I can not control or understand. There are numerous problems with this CREDIT REPORTING SYSTEM, but for now I am only addressing this XXXX instance. 
I subscribe to XXXX credit reporting agencies on line, XXXX is " XXXX '' & the other is " EQUIFAX ''. I watch my credit scores & the reports closely & earlier in XXXX according to EQUIFAX MY SCORE WAS # XXXX & on " XXXX '' it was # XXXX, under EQUIFAX. WHY ALL THE DIFFERENT SCORES FROM THE SAME PLACES IS BEYOND ME, & VERY DIFFICULT TO WORK WITH, NEVER KNOWING WHAT IS CORRECT! ( but that 's a different topic ) XXXX of the necessary things I need to do is establish NEW CREDIT. I looked up & found that with my scores I would be able to acquire a CREDIT CARD from XXXX XXXX. I applied & to my surprise I GOT REJECTED! I got rejected because when XXXX XXXX inquired about my score FROM EQUIFAX, THEY REPORTED MY SCORE AS XXXX! I NEVER WOULD HAVE APPLIED IF I SUSPECTED THAT THEY WOULD REPRT SUCH A DIFFERENT SCORE THAN THE ONE THE GAVE ME! I called EQUIFAX, & explained what happened & they did n't know why. They knew my score was higher than XXXX but they did n't know why they told XXXX XXXX it was so low. Then they gave me a phone # to tell XXXX XXXX THAT EQUIFAX MADE A XXXX & THAT XXXX XXXX COULD CALL & VERIFY THAT IT WAS HIGHER. XXXX XXXX, thought I was stupid & told me that they were not going to call EQUIFAX! 
And the BEST PART, AFTER I WAS REJECTED, EQUIFAX LOWER MY SCORE FOR TRYING TO GET A CREDIT CARD. 
I have attached all the pertentant documentation. Thank you for your help. I look forward to hearing from you! XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below had violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 XXXX XXXX 15 U.S.C 1681 Section 602 states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer can not furnish a account without my instructions 15U.S.C 1681c.a5 Section states no consumer reporting agency may make any consumer report containing any of the following information other than records of convictions of crimes which antedates the report more than seven years.

15U.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: Money transfer, virtual currency, or money service

PayPal limited my account for 180 days and when the day is up to I cant add my bank or card to the account since the card in the account has been outdated. I keep calling and texting them but no help.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, Luckmore Finance authorize and UNAUTHORIZE payment to my debit card without my permission. Ive expressed my concerns with a representative of Luckmore Finance ( XXXX ) regarding this matter numerous of times and explained to them that they do not have a right to authorize my debit card whenever they want. I was told several times by more than one employee that Luckmore has the right to authorize your card if the account is delinquent and processed to email me documents ( XXXX ) which clearly does not state their claim. 

On XX/XX/2021, I spoke to the CEO/Owner of Luckmore Finance, XXXX XXXX and expressed these same concerns to him regarding his employees informing clients that they have the right to authorize payment without the permission of the client. He stated he will investigate this matter, but I fully aware that he knows about this because his employee XXXX stated, this is what they tell us to tell clients if were questioned. Luckmore Finance is practicing unethical and illegal acts to clients who are delinquent on their account. Since my account has been delinquent, Ive noticed several illegal acts towards my credit report/credit file. To further know that Mr. XXXX is FULLY AWARE of these illegal acts, when I got off the phone with him on XX/XX/2021 @ XXXX, I received a notification from XXXX XXXX @ XXXX stating I had a new injury on my account and low and behold it was from LUCKMORE FINANCE! 
I have not lived and the state of Louisiana for 2 years and have not applied for any new accounts with Luckmore Finance. 

Luckmore Finance has intentionally reported false and inaccurate information to the credit bureaus, I have noticed several hard inquires on my credit report and inaccurate late payments. Due to these inaccurate and illegal intentions, this has caused me major stress as I am trying my hardest to purchase a home before the new year. Luckmore has ruined my credit worthy to other potential lender due to the inaccurate and false information that being reported to the credit bureaus. 






Pursuant to 15 USC 1602 ( p ) unauthorized use, ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 




Luckmore Finance committed several FDCPA Violations Illegal or unethical communication tactics Taking or threatening illegal action False statements or false representation. ... 

Improper contact or sharing of info. ... 

Excessive phone calls