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

XXXX XXXX recently alerted me to fraudulent activities and unauthorized credit inquiries made using my personal information. Specifically, credit cards were opened under my name with Capital One, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX ( XXXX ) on XX/XX/2023 and XX/XX/2023. I want to emphasize that I did not apply for any of these credit cards or allow anyone to run my credit. It's important that I take immediate action to report these fraudulent activities and protect myself from further financial harm. 

Capital One XX/XX/XXXX XXXX XXXX XXXXXXXX / XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX ( XXXX ) XX/XX/2023 and XX/XX/2023 I never gave any consent or authorization, nor did I apply for any of these credit cards from the Companies listed above. I definitely did not give permission for anyone to run my credit. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in your credit report. Additionally, I have the right to request an FCRA deletion which requires the credit reporting agency to delete any information that can not be verified as accurate. Call to action to delete all credit applications of these companies that made the unauthorized inquiries and request that they close the applications and delete any associated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two accounts with all three credit Bureaus, and XXXX and XXXX removed the accounts, but did not do so on XXXX. Speedycash
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiply letters send about this issue and a few other and the credit bureaus never respond or follow up
Product: Debt collection

XXXX XXXX told me the dent came off. American Profit still reporting to XXXX XXXX XXXX XXXX  that the debt is active. Its seven years later and that debt supposed to be gone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and TransUnion 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.

15 U.S.C. 1671c. ( 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 antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I made on-time payments every month I had the PayPal Mastercard. I recently paid off the card and within a few weeks of the card being paid off, Synchrony Financial closed the account with no warning. First they claimed it was due to inactivity- however the card was last used just in XX/XX/2019. Then they claimed it was due to a random credit review -- even though my current credit score is higher than at any time the card was open. This is shady dealing by a company and it looks like they do it all the time. There was no reason what-so-ever for this card to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

in the process of trying to get better credit and learn about credit applying for new lines of credit and also when I went into the car dealership I have acquired a lot of different inquiries. the inquiries are, 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, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act the list of accounts below has violated my Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account # XXXX XXXXXXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXXXXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXXXXXX 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 604-A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c 856 no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of a conviction of crime which andates the reports by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

This morning, I found out the following issue, by the email notice from XXXX. 

This morning I have realized that my subscription orders, which must have been paid by the credit card ending in XXXX, were mentioned by your company as void for payment. Since I. have already written to your company, which have happened recent illegal usage of credit cards, which issued by another bank in the United States, and credit card, which I tried to use yesterday for the transactions with your company, I wish you will investigate this matter seriously and make be possible to buy and have the business transactions safely and legally. Because I realized that one transaction, which I did last night with your company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX seemed to be charged correctly, I wish you will explain why this discrepancy existed. As I have stated the previous letter written yesterday, XX/XX/2023, I wish you will provide safely usable replacement card to me. I enclose the transaction history of your company.
Product: Debt collection

I have worked with a no -profit organization for 10+ years and should be eligible for student loan forgiveness- they sold out to another company and split everything in separate accounts so i have tons of different loans
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit bureaus are reporting a Chapter XXXX bankruptcy that should be removed because of the new law that came out XXXX XXXX, 2017. Some of the information is incorrect and/or not listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This 3rd party collections account was paid via debit card transaction. They are stating amount that is paid is owed on my credit report which is inaccurate. This was paid back on XX/XX/23
Product: Money transfer, virtual currency, or money service

I have the American Espress credit card, on XX/XX/XXXX - 2021 I called Amex customer service to provide me with a payment method other than my debit card App, then the young man provided me with this account number route XXXX account XXXX XXXX XXXX belonging to Amex, I deposited XXXX dollars cash in one in said account and since then that deposit has not been deducted from my debt. 
I need my money.. 
I have the receipt of the deposit that I made.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report to find the following account to be incorrect. I have explained the discrepancies of the accounts numbers
XXXX ( XXXX XXXX XXXX XXXX ). 
to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately.
Product: Vehicle loan or lease

I paid the entire balance of my auto loan on XX/XX/20. Bridgecrest told me I would receive the title in 4-6 weeks. I have contacted Bridgecrest several times since then, and they will not give me the status of the title transfer. Today I called my state 's motor vehicle department, and they have not even received the title application. The car was stolen then totaled, and I can not receive payment from my insurance company until I send them the title. I have been without my car for almost two months, and Bridgecrest has caused delays every step of the way. This is my third complaint against them. I even told them I would file a complaint if they didn't give me the status of the title transfer, and they don't care. They don't respect the CFPB. They don't even attempt to provide good customer service.
Product: Credit card

First it should be known that I 've never been late on a car payment, credit card, mortgage or any other bill in my entire life. Chase Bank conducted a surreptitious and unsolicited review of my credit without my permission subsequently reducing Credit lines on several of my Chase credit cards so the ratio of debt to available credit skyrocketed. As a result of this action by Chase bank my credit score plummeted, other banks followed with similar action reducing credit lines and I consider this to be defamation of credit. This is a terrible injustice to me as a consumer and as an American who takes pride in never having been late or behind on any of his bills. I feel this action was taken to try to recover some of the monies paid in fines by Chase to the federal government for other unfair business practices in their organization. I feel I have been unfairly targeted.
Product: Credit card or prepaid card

In the last couple of months, I have attempted to submit a goodwill request to USAA to remove a couple of late payments that had shown up on my report while I was conducting a mission for the military and I was not at my duty location. I had spoken to at least 7 different customer representatives. After requesting to speak to someone from the office of the CEO, they stated that there bank policy did not support goodwill requests and that they would no longer be able to help me further.
Product: Student loan

I started contacting Nelnet and XXXX XXXX XXXX back in XXXX, when I received my first letter from Nelnet. I initially noticed they had my balance incorrect, so I was able to call and speak with an agent. We discussed the matter, and we sat on hold for XXXX minutes why she escalated the call. Eventually she said they need to futher investigate and would be in touch. She also recommended I contact student aid about the matter. I did both and have received no further information nor has it been correct. meanwhile you cant even talk to an agent now.
Product: Checking or savings account

C

ontacted discover bank to report unauthorized charges. Discover provided provisional credits for charges
.

Weeks later -credits were reversed contacted discover again and was told charges were found to be valid based on my information was attached to the charges I advised them my information was compromised and the card was stolen, they told me nothing can be done. 

Another charge was from XXXX from a previous order I had returned XXXX has issued the refund and later on I found out they recharged me without my authorization. I told discover about this they closed the card and issued me a credit on that witch was reversed and they told me later on XXXX took back their credit because I returned the wrong item?! I said they issued me a refund after the merchandise was returned. Then weeks later with out my authorization made a completely new charge manually entered and recharged the amount they still have the returned merchandise! That is fraud and discover will not fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a fraud alert to Equiax to remove this account off of my report. Equifax removed the account off my credit report but a couple of days later i see re added and continued to report on my credit report.
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 an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, Their dispute 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, credit repair services, or other personal consumer reports

I recently notice that someone was applying for credit in my name, I contacted the credit companies and the credit reporting bureaus and noone was willing or able to help me get my situation straightened out.

Once i noticed these fraudulent inquiries I. immediately contacted the creditors and the credit bureaus, neither were willing to assist me with my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following account XXXX. ) XXXX XXXX XXXXAccount Number : XXXX ; XXXX. ) XXXX XXXX XXXXAccount Number:XXXX ; XXXX. ) XXXX XXXX/Account Number : XXXX ; XXXX. ) XXXXXXXX XXXX XXXXAccount Number:XXXX
Product: Credit card

On XX/XX/XXXX and XX/XX/XXXX, I made a double payment, via my credit union XXXX XXXX, to BOA, in error, to pay off my credit card. I then had a negative balance. Since I had no intention of using this card for the foreseeable future, I requested that BOA return XXXX of my payments in the amount of {$1300.00}. On XX/XX/XXXX, they sent me a letter stating they had done this, but to date, XX/XX/XXXX, NO check has been received by my bill pay provider. XXXX XXXX XXXX has been investigating, but NO concrete info from BOA is forthcoming. Further, I met with a BOA representative on XX/XX/year>, in XXXX XXXX, AZ, and her own bank could not give her any concrete info other than I had to wait 30 days to see where the check went. Sorry BOA, but his is my money, sent to you electronically. Why do I have to wait for my money? I have spent hours driving miles and making calls to this organization that has NO regard for it's customers and can give me NO firm info on where my money is. I want my money back ASAP AND compensation for my time! I also want the bank 's antediluvian practices to be revealed and legislation passed to stop this stupid practice!. THEY WILL HAVE HAD THE USE OF MY MONEY, FREE OF CHARGE, FOR 30 DAYS! i WANT COMPENSATION!!!
Product: Debt collection

The debt ended up on my report so I called the company. They said that it was removed by the original creditor ( XXXX XXXX XXXX XXXX in XXXX XXXX, TX ). It shows paid on report but it should have never been there in the first place. I'm current and never even been late. I don't owe anything to the apartment or the collection company. I asked them to remove and give me written proof but they would not comply. I called the original creditor and they said they told the collection company to remove it and that's all they can do. 
National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX Toll free : XXXX Account # XXXX Balance : {$150.00} Creditor : XXXX XXXX XXXX XXXX - XXXX Office XXXX XXXX XXXX. XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collection XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} XXXX Balance Owed : {$10000.00} EXPERIAN Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collection XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX  Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Owed XXXX {$10000.00} XXXX XXXX Balance Owed XXXX {$150000.00} XXXX Inquiry XXXX XX/XX/XXXX Collection XXXX Balance Owed : {$1100.00} XXXX  Balance Owed : {$730.00} XXXX  Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have numerous discrepancies corrected through the credit reporting agencies and recently decided to go directly to the creditor. After years of going back with XXXX XXXX XXXX, they finally found the proof needed to document the account as fraud. In XXXX XXXX sent notice to all three reporting agencies asking the account be removed from my credit file, and Equifax, unfortunately, still has this account on my report.
Product: Student loan

I ca n't remember when I even took a XXXX XXXX loan ( before XXXX ) but I had n't gotten any request for payment for years and in XXXX I filed a chapter XXXX and a XXXX XXXX amount of about $ XXXX was included. In XXXX I was diagnosed with XXXX and went through XXXX and 6 months of XXXX. I successfully completed my 5 years of chapter XXXX payments in XXXX of XXXX and all of a sudden today I received 6 emails from a company called Navient saying I owe $ XXXX to someone. I will not pay this ... .I did n't owe it to begin with and I completed XXXX and chapter XXXX. Please STOP these people ... .they are evil.
Product: Checking or savings account

Bank does not provide access to all check images of checks written from account. Bank displays error to call into to customer service to get information about who check was written to, but when you call in bankers can not see anything either. Unable to access information about my own checks!! bank only able to 'file a claim ' which could take upwards of 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan with navient, reporting lates on the co-signer side. But the primary shows no latest. I have reach out on several occasions about this matter.
Product: Credit reporting or other personal consumer reports

I recently asked Lexis Nexis to verify a bankruptcy reporting on my credit report they wrote back the information was verified and they used XXXX to verify my information. So I wrote the courts to ask if they furnished information to the credit bureau and they wrote back that they dont provide credit bureau with information so how do Lexis Nexis know that information on pacer is accurate this a violation of 15 USC 1681b Lexis Nexis dont have permissible purpose to be reporting this account on my credit report. I will attach the letter from the court. And the letter from Lexis Nexis as proof. I will also attach my Id and social security card as proof of Identification.
Product: Vehicle loan or lease

The car purchased was a XXXX XXXX XXXX  it was purchased with a vehicle service contract and XXXX insurance to cover the full purchase the car was totaled in XXXX of XXXX and the insurance company paid them the settlement money afterwards the dealership was contacted and they sent regional acceptance a XXXX  of XXXX  a check for the cancelling of our VSC  the dealership then sent me a copy of the check sent and cashed by the company, however regional acceptance says they have no check. The deceitful people that have investigated say that they cant find the check and the dealership wont reissue the check this company is ruining my credit and caused me to wait so long that I lost my job and income because I couldnt get another car in time. This company is refusing to remove the delinquencies from my credit even know I have proof of payment from XXXX and XXXX insurance in addition to the check sent from the dealership for the remaining amount of the loan. Regional acceptance had harassed me calling nearly every XXXX  since XXXX of XXXX demanding payment. This company should be ashamed
Product: Debt collection

I phoned XXXX XXXX ( XXXX ) XXXX on X/X/17 to pay off an outstanding medical bill of {$1100.00}. The person onn the phone said there was an additional {$740.00} in interest that they added to the bill. The person I spoke with used harassing language, yelled at me and said they would not allow me to pay the bill and terminated the call.