23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I.C SYSTEM is reporting a debt to the credit bureaus that does not belong to me. I am a Texas resident and have been the last 5 years. The debt I.C SYSTEM is attempting to collect on is a from Missouri utility company ( XXXX ). I do not live in Missouri and neither do I have business in Missouri. This collection account ( Acct : XXXX ) has really hurt my credit. I would like validation of this debt by sending me a original consumer contract with my signature on it.
Product: Checking or savings account

A fraudulent check ( check # XXXX ) in the amount of {$400.00} was cashed at a US Bank location. The check was paid to someone that I did n't write a check out to and that I have never met named XXXX XXXX. I have a copy of the check - that includes his fingerprint. {$400.00} was subsequently withdrawn from my US Bank account even though the check was fraudulent. When reaching out to US Bank to try and get them to cover the {$400.00} as it was a bank error, they refused, and I was forced to cover the cost. I tried to track down the individual who cashed this check by reaching out to the US Bank location where it was cashed but they did n't have video surveillance. It is absurd to me that I am responsible for a fraudulent check that was cashed at a US Bank branch when it was their responsibility to prevent fraudulent check withdrawals and at the very least document when someone cashes a check at their branches. AND, if they have his fingerprint and his name, why was it impossible for them to identify the individual who cashed the check? Please help me!
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries on my report XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please, review these accounts and delete it from my report.
Product: Credit reporting or other personal consumer reports

My information was leaked in a data breach. My information was used to open credit cards accounts without my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Credit card

Refer to the attached documents. I urge the bureau to initiate an investigation into these accounts, as I am never late, but they are incorrectly reporting me as such.
Product: Credit reporting or other personal consumer reports

I looked back at my Credit report back on XXXX, XXXX 2024, and noticed somethings are incomplete or are inaccurate. According to fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This Account XXXX XXXX I do not recognize at all. 

[ XXXX XXXX XXXX ] is inaccurate information and I do not recognize this charge off. Date last active, date of last payment isnt correct. Account isnt correct.
Product: Credit card or prepaid card

I purchased a trip with XXXX  company to travel to XXXX in the amount of {$2200.00} back in XXXX of XXXX. The travel time was in XX/XX/XXXX which the pandemic just started. I called my credit card company to dispute the charge because I can not travel outside of USA at that time. However, XXXX challenged back to my credit card company and I lose the dispute and was charged the full amount, with the promised from XXXX  to give me a credit to travel up until the end of XXXX. The credit card company then charged me the amount of {$2200.00} back in XX/XX/XXXX saying that I lose the case. However, XXXX  recently emailed me stating that they are out of business, and told me to claim my refund via my credit card company. This has been about a month now, I send all the email that I received from XXXX  stating that they are out of business and would like them to re-open the dispute charges. According to the credit card company rules, they can not re-open the charge because they already did it once and lose it to XXXX. XXXX  emailed me back to say that I now have to file a claim saying that they can no longer provide any more service and it is under " services not rendered ''. please get back to me asap regarding this claim. I have all the document from XXXX. I can provide all the document via email as well.
Product: Mortgage

First., after XXXX years paying. I requested a loan history to see if my extra princ payments were on it. after because, I had been told that even tho. I had made {$4000.00} in princ payments my 30 year term, is still XXXX years ... do n't understand that at all. 
Secondly, I find there is a check missing of {$500.00} never posted to my acc. that Wells Fargo cashed back in 2009. 
Thirdly, what law allows them to bill me monthly AA fees of {$30.00} plus dollars.? Do the math, that is {$12000.00} in 30 years. not right. gouging people.I want to see the exact paper that I signed regarding that information ... v important. 
The way they do the loan history. no one is able to understand it. ( they do n't want you too ). 
My escrow, I pay all this lump sums yearly of like over XXXX sometimes. and they still jack up my monthly rate ... 
Also, they have a check XXXX sent for my taxes. in XX/XX/XXXX. and then they have XX/XX/XXXX another one {$3800.00}. same year. it is just so messed up. that is not even right ... 
They tell me there is a clause saying somewhere that I am not able after XXXX years to pay my own taxes on my property. 
Trust me, they are v good at dancing around everything. 

I just do not trust them. Also, just forwarded info to a Law office in XXXX Md. that is where my home is located..
Product: Credit card or prepaid card

Good morning, I have three accounts with Capital One and I HONESTLY, I forgot about the payment which was due on the XX/XX/XXXX. I put ALL bills on my calendar with alerts and somehow this payment fell off of my calendar. This is not a regular practice for me and I wanted the fees waived ( late fee/interest ), they were able to waive the late fee, however, they REFUSED to remove the interest charges of {$43.00} as a one time  courtesy. I know this is something they are able to do and I would like a one time courtesy and have this charge removed. 

The representatives were not very helpful and I've had better customer service at XXXX. Every response is not very clear and the supervisors they pretend to transfer you to are not really supervisors. I use to work in a customer center and I know the game. 

Thank you in advance for your assistance
Product: Credit reporting or other personal consumer reports

Avant Credit Card closed the account. 

This closed account has caused pain and suffering and I will take it to arbitration if one is one file I dont know because company wont help me that they just account closed and payment. I have to hire a lawyer to sue for the damages that harm me and my family.

Accordingly to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Creditors did not have permission to share non public personal information with affiliates and non-affiliate third-parties or a opt out option which I am now opting out.

Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

This is a violation of my privacy under the privacy act 1974 and is a {$1000.00} per violation.

The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information Please send {$1000.00} for the violation you can send a check in the mail to the address you have on file please thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card account shows a late payment with Experian on XXXX for XX/XX/2019. This is not accurate and needs to be deleted and showed paid on time. I had previously disputed this with Experian but it was not resolved. I am attaching screenshots from my XXXX credit report that shows all on time payments and no late payment in XX/XX/2019. Since all credit bureaus need to report information correctly and the same, the XX/XX/2019 late payment is in violation of the law and needs to be corrected as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$120.00} XXXX XXXX {$130.00} XXXX XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$260.00} XXXX XXXXXXXX {$720.00} BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is part two of a complaint that was sent in last nigh. First of all I want to let Experian know that I could not go back to my complaints and fix the spelling errors. I apologize I'm at the library and they closed on me with new hours I didn't know about. 

I am asking Experian to fix those things on my credit report that was mailed in XX/XX/2019. I received a letter stating all hard inquires would be adjusted within 60 days. Nothing has happened except I keep getting letters after the one you said you were fixing my report to stating that I need to send in Bank Statements, Id and other proof. I wrote back to you and told you that after I reviewed everything I sent that my banking statements, my Identification and the police reports I sent all identity who I am.

I asked Experian to report my my credit cards ending and XXXX and XXXX  to be reported separately.

I also, asked that Experian stop reporting my credit cards as new accounts since I have had them both over 2 years with no proper reporting. I asked that Experian report my good standing properly as XXXX  has accomplished and XXXX also has done so. My new score with XXXX is outstanding and XXXX will reporting my new numbers shortly.

I asked that no credit freezes or fraud alerts be added to my report as I referenced in my XX/XX/2019 documentation. I also asked that XXXX. XXXX be taken off my report I am not a XXXX. I'm at the library as I said and just uploaded colorful Id of myself to go along with the pages of documentation I already gave you in XX/XX/2019.

In another letter that was sent to me it stated that you needed banking statements, you need proof of Id and utility bill. I worked my XXXX  of while I am in critical condition for several major surgeries and due to go back in the hospital. My last hospital stay was for XXXX in which I spent 17 days in XXXX and lingered on my death bed for several weeks. I would appreciate it if my file can be fixed the right way. That Experian will show my credit score as the other two agencies have done. I am XXXX  years old and I have had my credit file from the 1970 's. Again my credit cards have been reporting for 2 years and that's what it should show now.

I also just uploaded more identification in color to go along with what I already sent Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I took a look at my credit report and noticed some instances of late payments on my account in which I have always made timely payments. The reporting agencies plays a big role in accurately reporting consumer information. Is is very important that this information be reported with utmost accuracy. I have never missed a late payment on the following account : XXXX XXXX XXXX, XXXX. I am requesting that a thorough investigation into this errant information be done and urge you to provide evidence such as statements, demonstrating the lateness of these payments. If unable to furnish proof, I demand that these payments be promptly updated and removed to reflect their true status as on time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting or other personal consumer reports

The account is with XXXX XXXX. I have reached out several times this is not my account in the amount of {$6400.00}
Product: Debt collection

The company Allied interstate LLC sent a garnishment to my company for a student loan that was paid off around XXXX or XXXX. The loan was payoff from a tax refund offset from the IRS. The company never went to any court to have the case heard or sent me a letter about this matter the amount they trying to get is XXXX and it was back XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number XXXX XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX 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 I Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also they have violated my rights under The Financial Privacy Act of 1978. 
Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and Experian have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2.

Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish a account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 card or prepaid card

I was offered to purchase a machine used as a demonstrator at an attractive price, but the company wanted me to use XXXX, where I did not have an account. I started setting up the account, but before my identity was verified as required by XXXX laundering laws and XXXX XXXX, the machine had been sold to someone else. In compliance with its policy, XXXX cancelled the transaction, including any fee it may have obtained, since it had not met XXXX 's policy. My XXXX  account has since been completely closed. Capital One apparently sent money to XXXX, but, since the transaction was cancelled, reversed the charge to my credit card. Later, Capital One recharged my card even though the legal requirements to set up the XXXX account were never completed ( i.e. it was started, but not verified ), XXXX cancelled the transaction, the machine was never sent to me, and I no longer have an account with XXXX. I do not know what XXXX will do with money sent for a cancelled transaction to a closed account, but they should refuse it ; I also do not know what Capital One will do with money they send in violation of XXXX/anti-money trafficking laws and the policy of the recipient, but suspect if they so blatantly violate the law, they will steal the money. Due to a medical event, I have cognitive difficulty and Capital One has ignored my request for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with inaccurate addresses on my credit file.. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, XXXX, EXPERIAN inquires regarding all personal information. Under the Fair Report Credit Act, you are required to comply. I would like you to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, OH  XXXX I have tried to get this corrected before with no response. There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contracts with. I would like a copy of my full file report on your files for my own personal review.
Product: Checking or savings account

I originally had a XXXX XXXX XXXX checking account however due to people using my card for fraud without my knowledge. I found out to late and now I am blacklisted from the bank. I just tried to open a checking account with chase and was declined aswell. I want to know if there is a way to resolve it and if so how.
Product: Credit card or prepaid card

Hi, I just wan na let you know that someone use my Social Security number and apply for Macys Citibank American Express credit card on XX/XX/2023, when I got this email from Macys immediately, I call XXXX and I have put the fraud and dispute this application and also I have phrased all my credits, and also I called Macys, American Express, credit card, phone number regarding that application, and I let them know that it was not me, and they removed this application and put the fraud on this application, then I call to XXXX after I put the fraud and freeze my credits they said you have to report this application to this website, please let me know if I have to do anything else from my side. thank you so much.
Product: Checking or savings account

Authorized bill payment via Huntington bank on XXXX XXXX for property taxes. XXXX was drafted from my account. 

On XX/XX/XXXX I received a property taxes delinquency notice including a 10 percent penalty. 

I visited the local Huntington bank on several occasions that week. I also visited the XXXX XXXX XXXX office twice, to try to get the bill pay issue resolved. 

XXXX XXXX claims they did not receive the check and Huntington claims the check was cashed on XX/XX/XXXX. 

Huntington not able to tell me who, when and where the check was cashed and have not provided me with any info regarding my dispute filed at the local branch on XX/XX/XXXX. 

I requested them to would put the money back into my account, since I paid another XXXX to XXXX XXXX treasurers office on XX/XX/XXXX and filled out a form requesting late payment remission be removed considering the circumstances. 

So far they have not done that, I am asking your assistance with this issue of returned funds which I have resubmitted on XXXX XXXX. Since the county claims they did not recieve the payment and Huntington claims the check was cashed.
Product: Credit card or prepaid card

I applied for the credit card for the purpose of home improvements and was approved for {$18000.00}. On my online profile, it now it shows approx {$4900.00} credit limit. I made attempts to reach out to customer service, however I was not able to reach anyone. I am seeking the reason for this reduction.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA XXXX, in my understanding, requires the elimination of any erroneous accounts from my credit report. Could you please check the documents? Some of the listed accounts have inaccuracies in terms of reporting, with incorrect amounts and dates being reported.