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

Consumer Name : XXXX 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 XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at BANK XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX BANK on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

XX/XX/XXXX help for homeowners sent my mortgage company {$14000.00} and additional XXXX more payments in advance. which caught me u XXXX balance owed and I had to start making payments in XX/XX/XXXX. I paid in XX/XX/XXXX until XXXX XXXX my mortgage company held XXXX checks for 5 months and sent them back and filed foreclosure on my home. i was not behind. I have a foreclosure hearing XX/XX/XXXX my mortgage filed the foreclosure process before time which I was not behind on payment noe i am under alot of XXXX and don't know what to do. my mortgage company was the error
Product: Checking or savings account

I was an existing Chase credit card customer, and opened a checking account online on XX/XX/2020. I transferred {$1200.00} into the new Chase account from my other bank account. But two days later I was locked out of my online banking. I called Chase and was told that my checking account was closed. However, my {$1200.00} deposit was not returned to me.
Product: Debt collection

Midland Credit Management at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Ca XXXX Has been sending me collection notices in the amount of XXXX.The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company.This company does not have a contract with my signature.
Product: Credit card or prepaid card

The Apple Card has two sorely lacking areas : 1 ) dispute transparency during the investigation ; 2 ) unclear terms on paying off installment plans early. 
1 ) if you open a dispute there is no where on the web on within the wallet card info, to see that you opened the dispute, the pending amount, the status or the estimate resolution time. They do make a single notation on the original transaction, but as time goes, it's hard to get to if over 30 days old. The temporary credit can't be found anywhere. You only have an email ( you don't get anything in the post mail ), which may not be the same day you call or chat to dispute the transaction. Even after dispute, there's no place to view the entire set of events, status/decision, and when the credit ( or reversal ) is applied. 
2 ) Apple has no way to pay off installment plans early, though they say you can. It says if you want to pay off your instlallment early, to do so on your XXXX app in the Wallet. But you can't. I had just paid my entire balance in full by autopay, and the payment had cleared. Yet, it saw my recent charges ( not yet on any statement ) and would NOT let me. Terms only say " you must pay your balance '' - but the terms, nor any live person can specify if it is statement balance, current balance ( statement and new charges ), or current balance with new pending credits? I got different answers from XXXX people, and they were actually all wrong. I always always always pay off my statement balance in full each month. I'm also on auto pay - apparently this isn't enough if you use your card every month ( you'll always have a balance at any point ). So this month on purpose, I had to stop using my card entirely, and pay my account a week early before autopay ( and before getting my statement ), and ***I STILL could not pay off my installments early***. I called, and this time they offered to let me give them the payment for the installment pay-offs, on the phone- I mentioned I had asked to do this very thing the day after my auto payment cleared, and they said I could NOT ( then ). Suddenly I can a month later, with no different circumstances. I told them if they advertise they are an online credit card, they need to allow cusotmers to fulfill the terms for early installment payoffs, to define WHICH balance must be met, and without calling in. Clearly this is a undefined reality scenario that business and IT failed to identify. Any other card company looks at your last statement balance, and if you satisfied that, to allow you to pay installment plans early ( because they haven't yet issued a statement for the new charges ).
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 XXXX XXXX XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX # XXXX XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Debt collection

We rented a car from XXXX XX/XX/2023 and returned it to XXXX. Later, we received a notice that it had been damaged. We did not damage or cause damage to the vehicle. We told customer service at XXXX this, but they insisted that we damaged it. We drove the vehicle just once to our nearby home and back to XXXX. 
This is not the only problems we had with XXXX at the XXXX location during this time period when our own car was in the shop. On 3 occasions when we had reserved cars with them, the cars were either dirty, smelled of drugs or the cars promised were not ready for pick up. On 1 occasion, we had to wait for the car to be cleaned and the staff member wrecked it as she exited the car wash. 
This facility is lacking in quality control and efficiency. 
We did not damage the vehicle in question. We are disputing the charges for damage they are claiming Reference Account # XXXX Account # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My lease account from XXXX started in XX/XX/XXXX. 
My car was involved in an accident in XX/XX/XXXX. My insurance paid the remainder to XXXX in full, a payment of {$15000.00} was made to XXXX in XX/XX/XXXX. 
XXXX still shows that my account has 4 late payments adding up to more than {$1000.00}. This is not correct, the car is completely paid off. 
I called XXXX, they said they will fix it but they did not. I asked them to correct the information on my credit report, they asked me to submit a dispute and they will act accordingly. I submitted a dispute on Experian. The dispute processing was completed and the account still shows the late payment. This brought my credit score from 750s to XXXX!
Product: Credit reporting or other personal consumer reports

This account was opened on the following date : XX/XX/XXXX There are no on time payments from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payments XX/XX/XXXX to XXXX this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. TransUnion XXXX and XXXX failed to investigate this account properly after | repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Sallie Mae falsely promised a loan at a lower rate than I was given. 

Sallie double my loan amount under false presence Sallie Mae impersonated me via my number in an attempt to reach my co-signer who is my mother They offered me a 2 month forbearance only to resent it in less than a day They refused to provide details of any loan programs such a pay off balance etc and will only reduce my payments if I agree to extend my terms an additional 10 years
Product: Credit card

Subject : Formal Dispute Regarding Account Charges for Mattress Firm Purchase To Whom It May Concern, I am writing to formally dispute the recent charges and account adjustments applied to my Synchrony Bank account related to my purchase at Mattress Firm. Below are the relevant details : Date of Purchase : XX/XX/XXXX Merchant : Mattress Firm Purchase Amount : {$1100.00} Account Ending : XXXX Upon reviewing my XX/XX/XXXX, statement, I noted a remaining balance of {$420.00}. However, by XX/XX/XXXX, my balance inexplicably increased to {$1000.00}, a significant and unjustified jump. Synchrony Bank has indicated this adjustment is due to deferred interest for not paying off the balance within 24 months. Nevertheless, I have requested complete documentation, including all statements from the date of purchase and a signed copy of my contract, to validate this claim. To date, I have been informed that neither is available. This lack of documentation constitutes a violation of my rights as a consumer. 

Under the Fair Credit Billing Act ( FCBA ), consumers have the right to dispute billing errors and receive timely responses with proper documentation. Synchrony Bank has failed to provide the legally required documentation to justify the charges imposed on my account. 

I am demanding the following immediate corrective actions : A full refund of the unjustified charges and accrued interest added to my account. 

Correction of my remaining balance to accurately reflect legitimate charges. 

Removal of any late payment reports from my credit report that resulted from these incorrect charges. 

I expect a formal written response within 15 business days from the date of this letter, detailing the actions you have taken to resolve this matter. Failure to comply within this timeframe will leave me with no choice but to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant consumer protection agencies. Additionally, I reserve the right to seek legal recourse to protect my financial interests. 

This situation has caused undue stress and poses a significant risk to my credit standing. I trust Synchrony Bank will act in good faith to rectify this matter promptly. 

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

I am writing to formally dispute unauthorized entries that have appeared on my credit report. As a victim of a data breach, my personal information was compromised, resulting in the inclusion of fraudulent accounts and inquiries on my credit file without my consent. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : 1. Chapter XXXX Bankruptcy o Case Number : XXXX o Date Filed : XX/XX/XXXX o Balance : {$0.00} 2. Chapter XXXX Bankruptcy o Case Number : XXXX o Date Filed : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX o Date of Inquiry : XX/XX/XXXX 2024
Product: Credit card

Macy 's reporting me on credit bureau claiming they have my signature and drivers license, as co-owner. They refused to remove me from the acount though I told them, my former business associate added me mistakenly. I had only agreed to be authorized user.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX  XXXX Balance Owed : {$220.00} XXXX XXXX XX/XX/2022
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by the Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to XXXX, transunion, and XXXX in reference to incorrect information being reported on my report. I have not gotten a response from transunion. Transunion on multiple occasions has not responded back or refused to reinvestigate the incorrect information in my report. I have sent method of verification letters to them as well as factual dispute letters. Furthermore they have failed to respond in the appropriate allocated to them under the FCRA. There was charge off on my XXXX XXXX XXXX XXXX  account. The date of first delinquency was XX/XX/XXXX. The account has not only been reaged due to them reporting a CO on several occasions after it first occurred which is illegal but been completed altered the payment history so that the CO isnt reflective. XX/XX/XXXX makes 7 years from the date of first delinquency therefore this account should not be reporting at all. It is the bureaus responsibility to report accurate information.
Product: Credit card

There was a fraudulent charge for {$4500.00} on my Navy Federal Credit Union credit card, and instead of offering to help with a fraud claim, the representatives from the credit union repeatedly told me that I was not allowed to file a claim. It was not until today ( XX/XX/XXXX ) that I was informed that I actually DID have grounds to file a fraud claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, XXXX XXXX XXXX XXXX are trying to collect a debt that I do not owe to them & I have never done business with XXXX XXXX  XXXX XXXX XXXX The amounts they sent to me are very confusing and misleading please immediately remove the okinus account from my credit file. They are in violation under the FDCPA & the Truth Lending Act. Since this has been multiple ignored attempts I am seeking litigation for damages. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWashington, DC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate personal information still being reported after Equifax response confirming the accurate information is being reported. Complaint ID : XXXX ( 1 ) Inaccurate Name Reporting : Please see attached : My Equifax online report. 
( 2 ) Inaccurate Name Reporting : Please attached : Hard Copy response mailed from Equifax which name is different form online report. 
( 3 ) Inaccurate Address Reporting : Mail being sent to old address : Please see attached Hard Copy response mailed from Equifax Online My Equifax Personal Information ( 4 ) Inaccurate Employer Information.
Product: Credit reporting or other personal consumer reports

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization.According to FCRA Section 605B it is illegal to report inacurate information on my credit report without my permission. NATLCRSYS ( Original Creditor : XXXX XXXX AT XXXX XXXX ) Account number : XXXX, Balance : {$4600.00}. I have no knowledge nor did i give authorization to this company
Product: Credit card or prepaid card

I am a rideshare driver for UBER Technologies, INC. I opted in to get the XXXX debit card to use the money I earned while driving and also earn gas benefits. When I got my card, I tried to activate it. The automated system said I had to upload a picture of my ID to activate the card. Later on today I called again to try to activate the card or find out the status and the system simply said that my account has been closed. I have never been a XXXX XXXX customer and I haven't used this card once.
Product: Debt collection

NCB management services incorporated sent a letter on XX/XX/2022 to collect a debt of {$6900.00}. This letter was sent due to failure of NCB to send me the supporting documents that I asked to see in regards to the debt in question. I wrote NCB and asked that they remove the Debt within 30 days if they can not find the documents I needed, and report this to the credit bureau. I responded within the time frame that they needed no later than XX/XX/2022. It is now XX/XX/2022 and they still have my account under review and it has caused me extreme financial hardship due to the false collection tactics and shady practices that go against the FDCPA.
Product: Credit reporting or other personal consumer reports

CRA is Reporting inaccurate information 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 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 on his or her Report I am requesting a deletion on XXXX XXXX Because TransUnion is publishing inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to dispute a fraudulent collection account that has appeared on my credit reports. The account in question was opened by XXXX XXXX, a debt collection agency, without my knowledge or consent. As a victim of identity theft, I am deeply concerned about the impact that this fraudulent account could have on my credit history and financial wellbeing. 

I first became aware of the fraudulent account when I received a notification from bureaus about a new account that had been opened in my name. I was surprised as I had not applied for any new credit in the recent past. Upon reviewing my credit report, I discovered that a credit card account had been opened in my name without my consent. 

The impact of this fraudulent account has been significant. It has lowered my credit score and made it more difficult for me to obtain credit or secure favorable interest rates. It has also caused me significant stress and anxiety, as I worry about the long-term implications of having a fraudulent account on my credit report. 

I want to make it clear that I did not authorize this account and I am not responsible for the debt that XXXX XXXX is attempting to collect. I have taken steps to protect myself from identity theft, including monitoring my credit report regularly and being vigilant about protecting my personal information. I have also reported this incident to the Federal Trade Commission. 

I respectfully request that you take action to investigate this fraudulent account and ensure that it is removed from my credit report. I am willing to provide any documentation or evidence that may be necessary to support my case. I believe that it is important to hold companies like XXXX XXXX accountable for their actions and protect consumers from the harmful effects of identity theft and financial fraud. 

Account details : XXXX XXXX - XXXX. XXXX XXXX Thank you for your attention to this matter. 

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

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated the FCRA by continuing to report unverified accounts. I have documentary evidence and their dispute results that show these accounts has not been verified but they are still reporting them and the FCRA states to verify the accounts or delete them and they have not deleted them but continue to report this false information. It is damaging my consumer report and reputation and if this problem isnt corrected immediately I will be moving forward with legal actions. Also disputes take longer than 30 days.
Product: Checking or savings account

Received multiple emails that an account had been set up in my name and that a debit card was on the way. I never set up an account or ordered a debit card.
Product: Payday loan, title loan, personal loan, or advance loan

I was trying to get a XXXX loan to get my car fixed. On XX/XX/2023 I was approved for a XXXX dollar loan. I have already paid XXXX off. When I looked up the loan to see how much longer I have to pay I see they want XXXX to pay it off. That is XXXX XXXX APR. 
I swear I was not told that, however I am on XXXX and have a hard time comprehending some things. When I called the company and asked if I could get a lower APR I was told no. I am so disappointed in myself. I dont have that kind of money. I am willing to pay a total of XXXX for my borrowed XXXX. 
Can you help me please