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

I have been a victim of identity theft. I have reported these to the bureaus but they dismissed my claims and told me to resend my documents. I've gone back and forth with them since XXXX but no results. I generated new FTC reports and I will attach them to this case. Please delete the fraudulent accounts from my credit reports asap : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A collection agency ( account # XXXX ) has reported inaccurate information to equifax, I have sent proof that the information is inaccurate but equifax refuses to delete this account which has caused serious damages to me. I am being charged for living in an apartment after my lease ended on from XXXX/XXXX/2015 to XXXX/XXXX/2015, I have sent proof that we ( XXXX XXXX and I ) actually moved out before XXXX/XXXX/2015. I have attached copies of new lease signed on XXXX/XXXX/2015 for both XXXX XXXX and I. This information is having serious adverse effects on my lifestyle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card XXXX which was CLOSED BY CONSUMER in XX/XX/2022 pursuant to my phone call made to XXXX. XXXX has willfully violated the FCRA by failing to promptly report the account as CLOSED BY CONSUMER on my credit reports. My credit reports for Equifax, XXXX and XXXX still inaccurately list my account as OPEN. Even though I have a perfect payment history ascribed have never been late, I demand statutory damages of {$1000.00} for willful violations of the FCRA for failing to timely report my account to any CRA as CLOSED BY CONSUMER as required. I therefore DISPUTE any stale balance which is now {$0.00} after providing a credit of {$1000.00} for statutory damages. Therefore, I demand that my credit reports contained the required caption of Account DISPUTED BY CONSUMER and that the closed and disputed captions remain permanently on my credit reports even if XXXX disagrees so that additional willful violations can be avoided.
Product: Debt collection

On XX/XX/XXXX, I noticed a debt on my credit report being reported by Capital Accounts LLC for a debt of {$600.00} in collections In an attempt to settle this debt I contacted XXXX XXXX, they made me aware that this specific debt has been sold to Capital Accounts LLC. I did not authorize the sell of this account to Capital Accounts LLC.I have not done any business at the address listed with this account nor do I owe Capital Accounts LLC.. I have since mailed via certified mail requesting proof of this debt. As of XX/XX/XXXX, no response has been received from Capital Accounts LLC..
Product: Vehicle loan or lease

Westlake Finacial repossessed/stole my car out of my driveway. I put {$10000.00} dollars down and made payments as well. my consumer rights were violated. 15 us code1692F 15 us code 6802 and 15 us code 1692K.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 DEPT OF ED XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed, charged off, and sold. Due to them selling the account they can not list a balance and can not be reported on my report due to NO LEGAL CONTRACT.
Product: Checking or savings account

I closed my checking account with TD bank in XX/XX/XXXX with a XXXX balance, and no outstanding balance. I received a charge off notice from TD bank in XXXX, XXXX for the amount of {$49.00}. When I called the recovery department, they stated the amount was due to maintenance fees for the account for the past couple mod months and refused to waive this erroneous fee. I called the local branch on XXXX XXXX. In XXXX, MA and spoke with XXXX and she said she would waive it, however when I called collections back several months later, the outstanding balance was not waived. When trying to get to the bottom of this issue, I was treated very poorly by the collections staff and even was hung up on by their staff. Per TD bank, all of these calls were recorded by them, so please take a listen for yourself how the staff interacted with my requests for help. I find this fraudulent fee-charging and abusive treatment by TD bank to be reprehensible. Please help, I really would rather devote my limited time to taking care of patients in the hospital during these times, not being mistreated by bank staff.
Product: Debt collection

As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order COMMONWEALTH FINANCIAL SYSTEMS to make recompense and pay redress and compensation for their trespass against me. COMMONWEALTH FINANCIAL SYSTEMS has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11.  Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
Product: Student loan

On XX/XX/2016, a woman called my cell phone, and said she was calling from the student loan company ACS, and had information for me.. She asked for my birthday and home address, which I did not give to her, and she would not tell me the purpose of the call until I supplied her with my birthday, XXXX She said I could call ACS to get the information and had a phone number for me, which I did not take. Instead I called ACS myself ( as I do have both private and federal student loans with ACS, https : //www.acs-education.com ), and they told me no one from ACS had tried to contact me, and that they do NOT have my cell phone number ( they only have our landline ). The phone number the person calling used was XXXX, which ( from a XXXX search ) appears to be used regularly for this purpose. I 'm concerned that this person not only knew I had a loan with ACS, but they also had my cell phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thought I was creating a general account to login to TransUnion. TransUnion requested a CC during identity Validation process. Became suspious as neither of the other two Credit Reporting agencies requested a CC for identification. Took some effort but found TU had charged me {$26.00} to for the account. 

Called TransUnion and their customer service rep was prepared for my issue. Rep immediately went into a discertation about how creating an account was consent for them to charge me for my credit report. I tried to explain how I had not requested Credit report and just wanted a refund. The rep cut me off everytime I tried to politely question or explain anything and kept telling me I had failed to read some instructions somewhere. Nowhere can I remember anywhere a statement that was openly presented that stated I was opening an account for paid services. the fact that I had not received any services yet did not matter ( THAT I KNOW OF, BUT MAYBE CREATED SOME FOR ME THAT I HAVE NO CURRENT KNOWLEDGE OF OR UNDERSTAND? ) Under TU Terms Agreement : Billing and Cancellation Memberships. We offer both free and paid subscription products. 


They had several account types listed as XXXX XXXX, XXXX etc.. and thought those where the charging accounts with no other basis for information as the basic account appeared to be the free.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I have tried to call, mail dispute, and online dispute these accounts to XXXX. They are refusing to remove them. I need these fraudulent accounts removed expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30-Day late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. XXXX XXXX XXXX XXXX, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information LUCKMORE FINANCE is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX XXXX XXXX DATE OPENED-DATES DIFFER FROM XXXX & XXXX BALACE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX & XXXX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF LAST REPORTED- DIFFER FROM XXXX & XXXX DATE LAST ACTIVE- DIFFER FROM XXXX XXXX XXXX DATE OF LAST PAYMENT- DIFFER FROM XXXX XXXX XXXX PAYMENT HISTORY- DIFFER FROM XXXX & XXXX LUCKMORE FINANCE was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that LUCKMORE FINANCE complied with this requirement.
Product: Vehicle loan or lease

They are saying I am 90 days past due, they are saying I owe XXXX. I made a payment last month. When I got the car repossessed the first time I paid over {$2000.00} to get it out. How did over {$1000.00} in fees get accrued from that time. I paid {$2000.00} XX/XX/XXXX and have been making payments ever since. It seems that the money is not going to the principal or payment that is due. I am under constant threat of repossession and have they have yet to explain what these fees are for. When its said and done I will be paying XXXX for a XXXX car and I wonder where all my payments went if I still owe that much. Something is going on and its isnt right. I am an XXXXXXXX XXXX XXXXXXXX veteran and I feel I am being discriminated against and taken advantage of. This situation is making my conditions worse. Stressing over something that I know isnt right. I seek justice
Product: Payday loan, title loan, personal loan, or advance loan

Dear CFPB, I am writing to formally file a complaint against TitleMax regarding the unauthorized refinancing of my title loan. 
I discovered that TitleMax had refinanced my title loan without my consent. I did not agree to any terms or conditions related to this refinancing, nor did I receive any prior notification about it. This action has caused me significant concern and confusion, as it appears to be a violation of my rights as a consumer. This was over {$1200.00} Despite my attempts to resolve this issue directly with TitleMax, I have not received a satisfactory response or resolution. 
I am seeking compensation for this error and would like the CFPB to investigate this matter further. I believe this situation not only affects me but may also impact other consumers who may be subject to similar practices. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Credit card

On or around XXXX XXXX, 2016 and XXXX XXXX, 2016 capital one pulled my credit without my permission or consent!! I only have two credit cards and they are with the same company. I written capital one 6 letters over the past few months and I have also contacted them by phone only to be left on hold or promised for someone who does n't speak clear XXXX to call me back and they never do. This has become a headache and I am so sick of wasting my money and time to only be treated like XXXX because they ai n't worried about it because it ai n't them or for them to keep continuing to place me on hold and keep up office mess while they file they nails or just ignore me when I am due a fair investigation as described in the federal fair credit reporting act 623 ( a ) ( E ) and also to take this matter more seriously and if they fail to follow the rules of the company that employs them, at least follow the enacted laws.
Product: Credit reporting or other personal consumer reports

Contact company regarding account old account statutory limitations expired they do not respond contact company after receiving my consumer credit report
Product: Credit card

They wont close account ..had to tell them card is damage they issue new card never got and someone is everyday using my account they let keep going letting it happen I live in Florida charging is going on from XXXX. I can not pay after telling it is not me..over XXXX XXXX now..
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with my business partner under my name with XXXX. We received a letter from XXXX stating that if we did not use the card it was going to get closed. We wanted it open so I made two small purchases that totalled {$150.00}. The credit limit was $ XXXX on the card. We forgot about the charge and we were reported to credit bureau as going 30 days over. When we realized our oversight we paid the late fees and total which came out to {$220.00}. Account is now closed but in good standing. 

My credit score the month prior to this mistake was XXXX. Due to this minor mistake with {$220.00} my credit score has gone down twice to a current XXXX. I was in the process of buying a condo which I was originally quoted an interest rate of 3.5 with my credit score of XXXX. Since they dropped my score so much for a minor mistake they wanted {$1700.00} to pay for a point and a half which still gave me a rate of 5.5. This raised my mortgage from {$750.00} a month with no points to {$1000.00} a month after I pay {$1700.00} for the point and a half. I had to back out of the deal which was a great deal because I would have been paying more than rent due to the increased interest rate. 

Then I had XXXX XXXX XXXX shut down one of two credit cards I have with them due to the credit score drop as well. They sent me a letter that stated since my credit score had dropped greatly and I had not used my card ( which also had a $ XXXX limit ) they closed it. That is going to possibly cause my score to drop further. 

I have never been late on my personal cards or bills. I have my primary house paid off. Two pieces of land valued at over $ 200k paid off. A cabin that I owe only a quarter of what it is worth. My current credit card debt is $ XXXX and I could pay that off whenever I chose. I have never been late on my credit card payments or my mortgage for the cabin or anything else. 

So, all these years I have done everything right. I own a lot of property and keep my debt to a minimum. I now have which is within 20 points of two friends who are finishing bankruptcy. How is that fair. For a mistake worth {$220.00} which was paid off. Someone needs to regulate the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # XXXX TransUnion Consumer Relations XXXX XXXX  XXXX   XXXX, PA XXXX To TransUnion Dispute Department. 

I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX XXXX XXXX**** because is the Account Status section of this listing. TransUnion is reporting that it is a Open Account. However, XXXX and XXXX is reporting that this account is Closed?!? Please Delete! 
Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX, XXXX DOB:XX/XX/XXXX SSN # XXXX
Product: Debt collection

Account from AFNI showed up on my credit report without any notification being sent. I advised agent account in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I paid my loan in full and received document that the account was " PAID IN FULL " from XXXX  XXXX XX/XX/XXXX on XX/XX/2019. Upon checking my credit report they reported me 30 days late on this specific account for XX/XX/2019. 

I follow-up with XXXX XXXXXX/XX/XXXX and Trans Union to try and resolve account amicably and they do not want to resolve this 30 day late when I have provided them documented proof they actually issue for final payment. 

XXXX  XXXX XXXX replied as reported late although I have paid the loan in full. 

It appears that these consumer disputes only go one way from DATA FURNISHER to Consumer reporting Agency. THE CONSUMER HAS NO RIGHTS.
Product: Debt collection

in accordance with fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 section 602 A. section 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 there was a hard inquiry placed on my TransUnion credit profile ; from XXXX XXXX. I have contacted both the creditor and TransUnion. The creditors stated that they do not have my information on file, so they can not provide me with a letter of deletion to provide to TransUnion. This inquiry is harming my credit profile. Furthermore, I requested that TransUnion place a fraud alert on my credit profile. 

Note : TransUnion has not helped me dispute any inquiries. Back in XXXX of this year ( date XXXX ) I requested for a dispute for the same creditor XXXX XXXX. TransUnion denied it and kept giving me the run around etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues with their explanation of there not being a bankruptcy on my credit report, however as of XX/XX/2023, I received a copy of my Equifax credit report with XXXX XXXX : Explanation : a bankruptcy is own your credit report. This information is coming from their company and their sources. Then they investigate and their results show that no bankruptcy is showing on my credit report. They are saying one thing but the information that they are dissimilating about my credit shows something totally different. 
Therefore their investigative results still prove to be erroneous. There need to be a more thorough investigation because this misleading information is somewhere in their system. If it were not, it would not show up on the recent credit report that I received. I received a response from them on XXXX XXXX, 2023 and it does not seem that much effort was put into their search.