23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I see 2 hard inquiries on my credit report which I did not apply for : 1. An auto loan from XXXX XXXX XXXXXXXX inquired on XX/XX/2023 XXXX. A home loan from DISCOVER FINANCIAL SERVI inquired on XX/XX/2023 I see several soft inquiries which I haven't applied for as well. 

I need to dispute all of these and also place a freeze so my information is safe and protected going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/2016 I received a call from Discover stating they were calling because someone was attempting to use card, I then informed them it was not us. I was under impression that they would not allow transactions to go through. Well XX/XX/XXXX I receive an outrageous bill, they allowed the transactions to go through. I filed dispute end result was that signatures match so they determined it was n't fraud. It is in fact fraud, I asked them to show me footage of security camera and that I had told them not to allow transactions because we were both at work, not out shopping.
Product: Vehicle loan or lease

I purchased a vehicle from Carvana kept getting back-and-forth different information from different sales representatives about the purchase of the vehicle in the process of all of that they sent me the title to the vehicle now they want me to return it they are in multiple violations of UCC code also violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

These incorrect reporting accounts are adversely affecting my credit report and costing me tons of unnecessary interest every year, This is not a regular dispute I have also filed a complaint with the better business bureau and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem addressed immediately and I should not have to wait another moment especially when it has already been 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isnt that what the law states.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired a copy of my report in Experian.com dated XXXX and I found out that Experian still indicates my dispute of information in my credit report. As of todays date, Experian has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX BANK XXXX and XXXXXXXX XXXX XXXXXXXX because I believe they were reporting in error.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. When I checked my credit report, as I regularly do, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Because of this, I request a thorough review of the documents I have submitted so I wont have to deal with this issue again.
Product: Checking or savings account

I informed USAA via email, fax ( XXXX ) XXXX and 1st Class Mail on, XX/XX/2023 this is my official notice that I cancelled my USAA checking account with your USAA Federal Savings bank, effective immediately before XX/XX/2023. 

I also changed my Direct Deposit from the Veterans Administration portal from USAA to another financial institution prior to receiving my VA Compensation deposit on XX/XX/2023. 

USAA is in direct violation of the Automatic Stay pursuant to : Bankruptcy protection XXXX XXXX XXXX XXXX. : XXXX filed XX/XX/2023 XXXX
Product: Debt collection

I received a bill from EOS-CCA ( XXXX XXXX XXXX, XXXX MA XXXX ). The bill was a collection notice referencing an outstanding debt with XXXX, dated XX/XX/18, Acct # XXXX, Client Acct # XXXX, for {$99.00}. There were no additional details about the charges. 

A few years ago I had service with XXXX through XXXX, but never had charges with XXXX directly. My account with XXXX was paid in full at end of service with no outstanding charges. XXXX has periodically contacted us at our current mailing address with service offers, so there is no reason that they would not have been able to reach us regarding outstanding payments. 

I called XXXX first to get more information. I gave them the Acct # s provided by EOS-CCA but they did not match anything in the XXXX system. They also searched by my name, phone number, and mailing addresses, but could not find any records of outstanding charges. 

I called EOS-CCA directly to let them know that the bill was clearly in error. I explained that I never had an acct with XXXX directly, only through XXXX, and that XXXX had no record of these charges. I was told that even though the original physical bill from EOS-CCA said XXXX, they could see in the computer that the charge was actually from XXXX ( note this was only after I had already mentioned XXXX ). I was told that I could also contact XXXX, but that neither company would have records on this since the debt was transferred to EOS-CCA. 

So I then called XXXX. Similar to XXXX XXXX, the Acct # XXXX provided by EOS-CCA were not the correct format and they did not match anything in the XXXX system. They also searched by my name, phone numbers, and mailing addresses, but could not find any records of outstanding charges. 

EOS-CCA provided me with a fax number to submit a dispute ( XXXX ). They instructed me to provide proof of payment in order to process the dispute. This is not possible because this bill never existed in the first place. I am going to submit a letter to them today, but since this is clearly a scam I do not expect them to drop the charge. 

I am concerned that this fraudulent bill will negatively impact my XXXX XXXX. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX dollar credit bill, turns into over XXXX dollars, because of interest, Discover writes off debt, shows charge, yet i get a 1099 tax form to say i benefited????? This is all interest Discover wrote off, but yet its MY income to report at tax time???
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a collection on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) I have contacted XXXX XXXX and requested an itemization of this account and the representative I spoke with there could not find any information about me in their system. I do not have an outstanding debt with XXXX XXXX. This false reporting of a collection is harming my credit score and this line item needs to be deleted from my credit report.
Product: Checking or savings account

account XXXX on XX/XX/2023 there was a charge to my account for XXXX. I did the charge at the restaurant. the restaurant offered me a full refund on the charge the next day because our entire party was extremely XXXX  and XXXX XXXX. 
I even submitted a note to the capital one from the manager or employee. 
apparently months later after capital one investigated the claim the manager/employee did not work their anymore. 

after speaking with capital one they did not investigate the complaint property and refuse to. 
they said they investigated the complaint and the restaurant said they had authorization to charge the card. Yes of course they did because we used the card - THE RESTAURANT PROMISED A REFUND- I never said the initial charge was not valid - capital one for several times I put a dispute in investigated the claim the wrong way I have been a customer for 15 years and I refuse to bank with them again until this is fixed and I get the worst treatment
Product: Prepaid card

I bought an AMEX Serve pre paid card in XXXX and was never able to access my {$400.00} that I deposited on the card. I requested a new card and I never received it. I lost all my money. There is a balance of over XXXX XXXX dollars remaining on card that I have never used. This is fraud and discrimination. 

18 US Code Section 1341 Frauds and Swindles
Product: Credit card

Fraud occurred on my credit card, so I filed a report and closed my account. I called the credit card company and the matter was supposedly resolved. However, I continue to receive monthly bills. At first, the charges were for interest, which I paid. XXXX statement the balance for these fees was minimal. The XXXX statement the balance shot up to {$150.00} and there is no indication on the statement about where/how these charges arise. I have been in contact with this company for the past 6 months trying to resolve this issue. They continue to charge me for nothing. I should have zero balance on a closed credit account whose fees/interest had already been paid off.
Product: Debt collection

TRANSWORLD SYSTEMS INC I am writing to formally demand that you cease all collection activities regarding an account that was fraudulently opened in my name. I have already provided your company with the necessary documentation proving that this account was opened without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have four Fed Tax Liens listed on my XXXX  credit report. I have copies of all four tax lines and none of them have my birthday listed or my full social security number. They were filed in the wrong county also. I reported a dispute with XXXX and was reported the information was accurate. I do not know how they see this as accurate without the required information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX has Fraudulent accounts on my Credit Profile that needs to be removed immediately
Product: Vehicle loan or lease

I recieved a loan from Credit Acceptance bank, for a used XXXX XXXX XXXX. When I went to the dealership which was XXXX XXXX  I tried choosing the car that was best for me and instead they rushed me into getting a car I didnt want. I was putting a down payment of XXXX, and instead they came back to me and said the bank required me to put down more, so I ended up putting down XXXX. They never went over the terms and everything for the car, they told me the bank said I could only get that specific car, I really feel like the bank got over on me. In XXXX, XXXX, they repossessed my car and I was able to pay to get it back, when I did get it back the car was damaged, I notified the bank and they said that they would reach out to the auction company to see what happened, basically they damaged the car then gave it back, and I was held reliable for the repairs. The bank has put me through a lot and I dont feel I should go through this anymore.
Product: Debt collection

XXXX XXXX, XXXX -I received notification about debt through National Credit Systems , Inc . I immediately set up payment arrangements with XXXX XXXX Collection Representative. I scheduled 3 payments of {$75.00} first payment for XX/XX/XXXX. I contacted the representative again on two other occasions XX/XX/XXXX and XX/XX/XXXX for payments of {$75.00} for six months. These payments did not post though I gave the Representative checking account information on each of the dates stated above. 
On XX/XX/XXXX, NCS reported the debt to the credit bureaus. I again called Mr. XXXX to inquire why the account was reported to the credit reports and he couldn't answer the question. I asked for a letter stating the payment arrangements including a letter stating the account will be removed from the credit report. Mr. XXXX stated he couldn't give me either letter because NCS doesn't do that. I asked to be a supervisor and was directed to 2 separate individuals who did not answer their phones. I have requested 3 different times to talk with a supervisor, promised callbacks, and have not heard from anyone. I requested from Mr. XXXX the ability to make payments online and he stated NCS doesn't do that either. He refused to provide documentation to the above payment arrangements and the request of date removal from credit bureaus.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Unauthorized Credit Inquiries Due to Identity Theft Dear CFPB, I am writing to formally dispute unauthorized credit inquiries and applications reported on my credit report. The following entities have recorded these inquiries without my knowledge or consent, constituting a case of identity theft : XXXX XXXX ( Auto loan applications : XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX NA ( Credit card applications : XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Auto loan applications : XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX  ( Auto loan applications : XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( Auto loan applications : XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX loan applications : XX/XX/XXXX ) XXXX XXXX XXXX ( Credit applications XXXX XX/XX/XXXX ) XXXX XXXX ( Credit applications : XX/XX/XXXX ) XXXX XXXX XXXX ( Credit applications : XX/XX/XXXX ) XXXX XXXX XXXX ( Credit applications : XX/XX/XXXX ) Legal Basis for Dispute : These unauthorized inquiries are violations of state and federal laws, including : Uniform Commercial Code ( UCC ) : Under UCC XXXX, third parties must have explicit consent to XXXX on behalf of another party. These inquiries lack my authorization, violating contractual norms. 

Federal Statutes : 15 U.S.C. 1681b ( Fair Credit Reporting Act ) : Credit inquiries must have a permissible purpose, such as written consent from the consumer, which these entities did not obtain.

18 U.S.C. 1029 ( XXXX and XXXX XXXX ) : Identity theft and unauthorized use of personal information for credit applications constitute criminal fraud. 

Kansas Statutes : XXXX. XXXX : Identity theft is explicitly prohibited under Kansas law XXXX and violators are subject to both civil and criminal penalties. 

XXXX. XXXX : Financial institutions must adhere to strict guidelines regarding consumer credit applications, including obtaining informed consent.Identity Theft Protections : If identity theft is involved, the FCRA XXXX specific rights under 15 U.S.C. 1681c-2, including the ability to block fraudulent information from appearing on your credit report after providing proof of identity theft ( e.g., an identity theft affidavit ). 

These laws ensure that no entity can access, use, or report information on your credit file without a legitimate purpose or your explicit authorization. 

XXXX of XXXX : I did not provide any of the aforementioned entities with authorization to access or run my credit. These inquiries were made without my knowledge or consent, violating my rights under the applicable laws. 

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Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX OF XXXX XXXX XXXX XXXX, WI XXXX HAS PLACED A NEGATIVE COLLECTIONS ON MY CREDIT REPORT EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH XXXX XXXX XXXX XXXX XXXX   WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. 

EXPERIAN IS STILL REPORTING THIS INACCURATE INFORMATION AFTER I SENT THEM THE USPS POSTAL INSPECTION SERVICE REPORT FROM THE CRIMINAL INVESTIGATIVE DIVISION SIGNED BY XXXX XXXX, MANAGER AND COURT DOCUMENTS SHOWING THE ORDER OF A FINANCIAL CONSERVATOR AND REPLACING ME ON ALL FINANCIAL DECISIONS AND MY LOSS OF CONTROL OVER MY FINANCIAL ACCOUNTS.
Product: Money transfer, virtual currency, or money service

I have been with regions since around 2018 maybe even before then, I was under an account with my grandmother because I was not XXXX yet and I havent started having problems with them until I was able to have my own account under my name. When I would cash a check they told me the money would appear in my account within an hour and I wouldnt see the money until 24 hours later which was an inconvenience for me. 
I also would get charged different kinds of fees. I also just recently found out that if I have a balance of XXXX $ in my checking account and then my direct deposit is finally put in the checking account I have to wait 24 hours in order to see or spend my money. Also in the regions app they have this thing called regions lock-it were you can lock your account and keep anyone from taking money out of your account, that never works for me Im always missing money out of my account.
Product: Credit card or prepaid card

On XX/XX//2022 I sent Capital one a cease and desist letter along with a billing error dispute. After receiving my letter they cancel my card and refuse my payment. They also reported my account to all three credit reporting agency.
Product: Checking or savings account

I am writing to seek your assistance in reopening my fraud claims with Citibank in order to recover stolen funds. Since XXXX, I have been a victim of identity theft, robbery, and multiple data breaches that have significantly impacted my financial situation. 

An individual fraudulently opened a Citibank account in my name and deposited checks that were stolen from me. one in question from XXXX  XXXX XXXX check number XXXX I have submitted detailed evidence of disputed fraudulent transactions from XXXX different accounts. Specifically, there are numerous unauthorized XXXX transactions conducted from my stolen phone to individuals unknown to me. Despite providing valid proof, including police reports, all of my fraud claims have been denied, and I believe no thorough investigations have been conducted into these matters. My attempts to resolve this issue have been met with silence. 

I kindly request that all of my fraud claims be refiled, including those not listed here, as I do not have the case numbers for every incident. For reference, some of the case numbers I do have include : - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX Thank you for your attention to this urgent matter. I appreciate your assistance in helping me address these issues with Citibank.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 


I told the XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX : account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more According to 15 U.S.C 1681 i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602A. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX  Balance {$330.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$700.00} Open Date XX/XX/XXXX XXXX, XXXX XXXX {$440.00} Open Date XXXX XXXX, XXXX Inquiries XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX