23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

U.S. Bank sent a credit card to collections, under my name and information but I do not recognize the account or any associated charges. This account is fraudulent and needs to be closed and removed from my credit files and consumer reports. 

Below is information sent to me after I attempted to dispute the information. 

Supposedly : Original Creditor : U.S. Bank, N.A. 
Current Owner : XXXX XXXX XXXX Reference ID : XXXX Balance : {$540.00} I am completely unaware of how and why this information is on my consumer report and credit reports, when the account was reported fraudulent years ago. This is ruining my credit score and preventing me from various opportunities to grow my personal business and provide for my family.
Product: Mortgage

I own XXXX XXXX XXXX. I am on deed. I filed bankruptcy to pay mortgage. I have paid and they added illegal fees during forbearance under cares act and other fees. They co ti ur to add illegal fees and to refuse to provide file complete. I want them to waive all fees now and return to original mortgage. Abusive and awful
Product: Credit reporting or other personal consumer reports

I submitted a complaint with experian months ago requesting that information be blocked on my credit report under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX at experian mailed me a letter back requesting proof of identity, my victim determination document and to identify the adverse information. She stated that if I sent in these things that the information I asked to be blocked would be removed within XXXX business days. I sent in everything that was requested without deficiencies, a copy of my id, a bank statement my victim determination letter, and a notary from the state of Washington. They received them and opened my case XX/XX/year>, well it is now XX/XX/XXXX and exactly XXXX days later and XXXX XXXX ACCT # XXXX is still on my credit report.
Product: Credit reporting or other personal consumer reports

I discovered ( 4 ) hard credit inquiries on my experian account for opening new lines of credit, all of which I personally did not inquire about myself. I believe my social security number was used and an incorrect address lead to denials. The credit inquires are as below, the dates are the ones listed on the mailed notices I received : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo I called XXXX XXXX  who reported they did not have any inquiries matching my name or social, although I have a hard copy of the denial letter from the bank. I called XXXX XXXX and they dropped my call. I have a credit freeze placed by XXXX, but need to dispute the several hard inquiries to my credit which I did not make.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute Request for Investigation and Correction of Late Payment Reporting on XXXX XXXX Account Dear CFPB, I am writing to formally dispute the reporting of late payments on my credit report for the XXXX XXXX account with account number XXXX. After reviewing my credit report again, I noticed that despite my initial dispute filed on XX/XX/XXXX, no corrections have been made. I am disappointed to find that the discrepancies still persist, and I am seeking resolution as outlined under the Fair Credit Reporting Act ( FCRA ). 
Summary of Errors : Inaccurate Late Payment : The account is incorrectly reporting a 30-day late payment for XX/XX/XXXX, which does not align with my payment records. 
Discrepancies Across Bureaus : The reported details for the same account vary across TransUnion, XXXX, and XXXX, including differences in dates of last activity, dates reported, and account descriptions. 
Failure to Correct Errors : Despite the first dispute on XX/XX/XXXX, no action has been taken to address or rectify these inaccuracies. 
Violation of Payment History Accuracy : My records indicate that all payments were made on time, and this error has negatively impacted my creditworthiness. 
Reason for Dispute : The account in question is inaccurately reporting a 30-day late payment in XX/XX/XXXX, as noted in my credit report. However, according to my records, all payments were made on time for the entirety of the loan term. This reporting is erroneous and damaging to my credit profile. 
Violation of the FCRA : As stated under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must only include accurate and verifiable information. Furthermore, under 15 USC 1666 ( b ), creditors are required to mail periodic statements to consumers no later than 21 days before the payment due date. Failure to correct this error and provide verifiable proof constitutes a violation of these obligations. 
Request for Action : Correction of the Reporting : Update the account status to reflect Paid As Agreed Never Late. 
Investigation Procedures : Provide a detailed description of the investigation process followed by your agency as required under 15 USC 1681i ( 7 ). 
Documentation : If the reported late payment can not be corrected, provide documented evidence of the claimed late payment, including dates, amounts, and communication records. 
This is my second dispute regarding this matter. No action was taken after my initial complaint was filed on XX/XX/XXXX. The lack of correction and response is deeply concerning and unacceptable. I kindly urge you to take immediate action to investigate and correct this error, or provide documentation supporting the validity of the reporting. 
Under the FCRA, you are obligated to respond within 30 days of receiving this dispute. Please address this matter promptly and provide written confirmation of the steps taken to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax 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 XXXX  : Account number : XXXX, These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXXXXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00}, XXXX XXXX XXXXXXXX Balance : {$480.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX CXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX, XXXX, 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 or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. Below are the details of the accounts in question : XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

On XX/XX/2021, I receive an email from XXXX XXXX  stating there had been a significant do in my credit score rating. I immediately loved into my account and to my surprise discovered that not only did I have some {$480.00} in collections but it was something that I knew NOTHING about!! Upon further investigating the matter, I saw that it was a debt in the amount of {$480.00}, that was apparently taken out on the XXXX of XXXX, XXXX, with a company called XXXX XXXX XXXX XXXX, which I KNEW absolutely nothing about. Not only had I never heard of them but had no clue what type of product of services that they offered that they were claiming I owed a debt for?? I have been working with XXXX XXXX  to rebuild my credit for the last few months and have not taken out ANY new debts! Their this tells me that it could be two things. One that someone fradulently took out a debt in my name and with my information with them intent of never paying on it or paying it back because it wasn't in their names. Or Two, that the business in question XXXX XXXX XXXX XXXX, misconstrued information in their records and their numbers are incorrect this reflecting on MY credit report. Regardless of the incident, I WANT MY CREDIT RESTORED! I want this removed from my credit and want the situation investigated if it was some type of fraud situation. I have tried reaching out to the company directly and they asked for a police report of a report from the FTC regarding this incident. I don't know enough information to file a police report so this is my attempt at getting there ball rolling and lighting the fire underneath this company to remove this from my credit. I have filled a dispute with XXXX, I have filled as formal complaint with the XXXX XXXX XXXX and now with you guys. Hopefully something gets done!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SageStream , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To Whom It May Concern, I am writing to formally dispute the information contained in my SageStream report. I have reviewed my report and request the removal of all personal and account information listed under my name, XXXX XXXX, as I believe it is not serving a valid purpose or has been included without my consent. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that you : 1. Remove all information related to me from your system.

2. Provide me with an updated copy of my XXXX report reflecting these changes. 

Please conduct an immediate investigation of this matter and complete the requested action within the 30-day timeframe as required by law. 

I look forward to your confirmation of receipt of this dispute and a timely resolution to my request.
Product: Checking or savings account

I am writing to submit a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding my experience with Capital One. I am filing a complaint against Capital One regarding their deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented their 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for myself and many others, breaching both the Consumer Financial Protection Act and the Truth in Savings Act. I am seeking redress for these misleading practices and their failure to fulfill their obligations to customers. I am requesting that the CFPB investigate this matter and take appropriate action to ensure such deceptive practices are addressed and that affected customers receive proper compensation for their losses.
Product: Credit reporting or other personal consumer reports

I've been having trouble accessing my credit report online through TransUnion. Whenever I try to view my report, I get an error message saying they can't fulfill my request online. I've attached more details to this message. When I contacted their customer relations team using the provided number, they redirected me to a free credit report site, which didn't make sense. I should be able to view my report on their website. After all, why do they have a website if I can't access my report there? 

There are inaccuracies on my credit report that require dispute. However, I have been unable to file a dispute with TransUnion due to the runaround I received. This practice is deemed unacceptable, as it is not equitable for consumers to have to navigate complex procedures to view and/or file disputes on their credit reports with TransUnion. Therefore, it is expected that consumers can access credit reports seamlessly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I was notified by XXXX XXXX  that i owed on an account that was opened without my knowledge. I am a victim of identity theft and my information have been exposed in XXXX data breaches. I am not sure who would do this so here is the ftc report attached to this complaint. The company XXXX XXXX have been sending me threatning letters saying they have send the account into collections which i have demanded them to delete and there have been no resolution. This is causing my Credit to tank and has caused alot of stress and I need this fixed as sooossible.There is also inquiries that have been added to my credit that was not made on my behalf. here is a list of the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent several letters to TransUnion asking them to verify the accuracy of several items on my report since they are reporting differently across all three bureaus, they do not have my consent to report them AND they are inaccurate! The first time I asked them to verify the accounts, I received a copy of my report saying they were verified, then a letter stating it didn't look like I was the one disputing the inaccuracies. See attached letter. I've received this twice now. 

The second time, I asked for the proof that shows they verified the information, sent me a copy of my report and then they sent me a letter stating it looks like it wasn't me AGAIN asking for the verification, but some other company. I sent them proof of my address and a copy of my driver 's license EVERY TIME I HAVE SENT A LETTER. I resent the disputes and they sent me the same letter again!!! 

I want these accounts removed from my TransUnion report immediately! They are breaking the law! 

Per US code 1681 e ( b ) Accuracy of Report - Whenever a consumer reporting agency prepares a consumer credit report it shall follow all reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Therefore it should be 100 % accurate across all three bureaus. How can these accounts possibly been verified? 

AND US code 1681b ( a2 ) states that consumer reporting agencies are not allowed to put anything on my credit report without my written consent!! They have not proven this either!!!
Product: Credit reporting or other personal consumer reports

I contacted XXXX, XXXX Experian, XXXX XX/XX/2023 regarding the inaccuracies on my credit profile. Wrong Names Wrong Addresses are reporting on my credit profile. however no action was taken. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provide proof of my current address and they still have all the old addresses listed. 

I also asked for all negative impacted information remove.
Product: Debt collection

Capi tal One filed a lawsuit against me in  XXXX  for a debt that was not incurred in  XXXX . They also sued for an amount much higher than I actually owed. Once I got an attorney to defend myself, they dropped the suit but are still reporting this incorrect amount of debt on my credit report. I asked Capital One during the lawsuit to provide proof that the debt was valid and the amount was valid, but they never provide d anything.
Product: Prepaid card

There are multiple issues I am having : I have been cyber hacked since XX/XX/2022 with XXXX phones of mine, never were able to use. Applied for loan over $ XXXX, applied for XXXX  account, DTA Government Food STamps and cash he stole via XXXX XXXX, cyber bullying me has taken over my entire life. I am not even sure you will get this. He has manipulated government documents, medical records, ssdi information ssi information and NO ONE is helping me.Does anyone know how and who can i go to about all this cyber abuse and ruining my name, credit, slander etc ... ....
Product: Credit card or prepaid card

The Chase dispute department has not responded to my complaint regarding an XXXX XXXX  {$170.00} purchased in early XX/XX/2022 that was supposed to be foldable and instead caught my fingers in its mechanism. I requested a smart label from XXXX to return it. The vendor wants ME to return defective or dangerous merchandise at my cost. I believe Its their responsibility. No response. Meanwhile independent of this I hurt my leg so I cant pick up at all XXXX box which contains rack which is sitting in its box in the side of the house. Chase was supposed to issue credit per their letter to me and they did not. XXXX gaslighted me. I have called chase 5 times i hace contacted XXXX a dozen times on this issue. I am being gaslighted everywhere on this issue with a leg problem that makes things even harder for me and have seen the medical specialist, so I have proof that this is getting completely abusive and out of hand. Please tell Chase that XXXX must pick Up their defective merchandise. Its been almost two months. No credit has been issued. The chase credit card number has been changed due to an unrelated online scam. Plenty of those, arent there?! Chase has to be called each time. Wait on line and put up with nasty offshore personnel. Seriously? Attached is the note I get when I try to desk with this issue on the chase website
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, Experian, 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. I have 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and involved in a data breach which are the result of identity theft fraud. These fraudulent accounts consists of a business credit card with XXXX opened around XX/XX/XXXX, and personal credit card at XXXX XXXX XXXX XXXX around XX/XX/XXXX, and a auto loan at XXXX XXXX opened around XX/XX/XXXX. These accounts have resulted in hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account : Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX , Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/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