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

XX/XX/XXXX I submitted a complaint to the CFPB in regards to an account listed as XXXX XXXXXXXX XXXX XXXX upon completion of this investigation XX/XX/XXXX it was determined that this account would be removed permanently due to Identity Theft. XX/XX/XXXX I submitted a dispute to TRANSUNION to remove the SAME account listed as XXXX XX/XX/XXXX the dispute had been completed and reflected as NOT CHANGED. This negligence accurately shows me that a complete comprehensive investigation had not been conducted on my behalf! 

The failure to further and fully investigate the matter is outrageous! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. 
A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations. 

Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : *FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX : Fine of {$1000.00}. 

*Defamation, financial injury- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. 

* Defamation, willful injury - FCRA Section XXXX XXXX XXXX TRANSUNION XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ( XXXX XXXX. XXXX ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Express recovery - XXXX - is reporting an erroneous old account on my credit report that should have never went to collections and it was paid before it was even sent to collections! ON my report it shows it was paid XX/XX/2016 and Express recovery put it on credit XX/XX/2016 with no balance! What the heck! I have been disputing this with the bureaus and get no response! They are in violation and I have contacted my attorney.
Product: Credit reporting or other personal consumer reports

Ive submitted claim for identity theft with Experian and XXXX many times the creditors arent removing account with supporting documents. 

XXXX is the only company who has done there job properly
Product: Debt collection

XX/XX/XXXX is stating I owe them a balance. I have no knowledge of this company nor have I ever signed a contract with my signature. This is identity theft
Product: Debt collection

Upon checking my credit report i notice a debt collector trying to collect a debt that i have no knowledge of i have never signed a contract with them in person nor electronically neither any of there affiliates
Product: Credit card

In a letter dated XX/XX/XXXX of 2025 BMO Harris Bank or BMO bank card end. A. Consumer credit card ending in XXXX sent me a letter saying that my card was canceled. This is from US retail payments department at BMO Bank NA XXXX XXXX Illinois. Contact number XXXX. This cancellation resulted in my credit rating going down XXXX points the very next day.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, I understand that we must remove any incorrect accounts from my credit report. Can you please examine the documents? I've noticed that some of the accounts listed are inaccurate, which is causing me some unease.
Product: Credit card

On XX/XX/XXXX I have initiated a dispute regarding a fraudulent activity charge that was initiated in XXXX in XX/XX/XXXX. 
To this date the dispute was not resolved way beyond the mandated 90 day mainframe and the bank didn't even issue a temporary credit which is a normal practice here. 

On XX/XX/XXXX I called the bank and after holding for about 7 min requesting speaking to the supervisor the call was disconnected. I then again called the bank and asked for a supervisor who then in the process of about 20 min call told me that's she has no authority to address the matter and volunteered to transfer me to the dispute dept. After holding for about 8 min ( total 29 min for the call ) the call was disconnected again. And when I called the third time directly to the dispute dept I was put on approx. 20 min hold and then again disconnected. 

It is apparent that the FNBO is not interested in addressing the matter so I would like the following to happen : {$64.00} final credit of dispute to be applied to my account. 
{$20.00} in my rewards point balance transferred to my account and then the final balance refunded to me in form of a check. 

Then the account to be closed. 
I simply can not do business with the bank that has such degree of contempt to people who give it business. Please note that the bank has a regulatory responsibility to address a dispute within 90 days of its initiation.
Product: Credit reporting

I have several accounts that are listed with this bureau that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed and the bureau refused to remove the items with the information I have given them
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed inquires on my credit report and you guys said they're authorized and they are NOT! 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX 
XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This account never should have been sent to collections, but currently it indicates the status as Account settled for less than the total amount owed which is patently false, I paid the full balance of {$450.00} ( even though the financing contract clearly shows my down payment of {$50.00} and the subsequent total amount financed of {$390.00} ).
Product: Payday loan

I did a payday loan, and was told after the loan was in my account I would get charges interest rates everyday the loan accrued interest, which sounds odd to me. I was laid off and called the company my account was placed on hold until I went back to work and now I am getting threatening emails, even with the account being noted it is on hold. I received this tonight, the loan was XXXX and I made XXXX payments of XXXX on the loanHello XXXX , This is an urgent notice. We have not received a payment on your past due account of {$520.00}. We understand that complications arise and we are willing to negotiate a settlement for your overdue balance. We have reviewed your account and are willing to settle the balance of {$470.00}. If you do not respond to this email immediately then we will move your account into further collection. Contact our Retention Department now at XXXX to avoid your account going into further collections. 

LAST CHANCE OFFER ENDS XXXX XXXX, 2015. 

For Credit/Debit Cards : Call us at XXXX to process a payment over the phone.
Product: Debt collection

Amsher Collection is attempting to collect on a Debt that is not owe to them They are trying to collect {$170.00} for XXXX XXXX  This balance has already been paid off at the bank branch
Product: Credit reporting, credit repair services, or other personal consumer reports

I been disputing an XXXX XXXX XXXX for 5 months and I was told each time it would be removed and I have to wait 90 days. I reached out to Transunion 16 times and XXXX 50 times. There representatives are rude and lie about things. I received a letter XX/XX/XXXX a request to remove the inquiry of my account and recover any points that were lost for the inquiry. I sent it to Transunion and I still have this inquiry on my report. The inquiry was made on XX/XX/2022 and I am still reaching out to get it removed. I attached the letter sent by XXXX also.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance XXXX {$83.00} XXXX XXXX XXXX Balance : {$910.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

Wire transfer done on XXXX ' 2016 coming from an XXXX customer, was deposited into the wrong account number and for the last 3 weeks I 've been dealing at different levels with Wells Fargo Bank and nobody seems to know where the money is or when it will be returned to the sender for initiating another transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX claims I owe for a credit card that I never applied for had or used I never had a XXXX XXXX card this is not my card I have tried to tell them numerous times that this is not my card I am going to hire a lawyer and get a lie detector test to show that this is not my account I am going to charge the lawyer fees and the lie detector test fees to XXXX XXXX and Experian when I prove this is not mine this needs to be removed from my credit report
Product: Debt collection

I went to the local carpet store being new to XXXX and wanting to support local business. The dealer XXXX XXXX took the order and said it would take a week to ship the carpet from GA. I said that was ridiculous but okay let 's schedule install date. We did for 2 weeks to allow carpet to be in their store.

They ever ordered the carpet and said it would take a month. I had given them a deposit on my Bank of America Credit Card. I called the mill and they said from GA to XXXX it would be 2 days, that the carpet had not been ordered was not a special order carpet as it was free run wall to wall not a designed cut and bound one which would take a week.

As it had been three weeks, and one can go to any carpet store in America and pick regular stock and it is ready to be installed that week, if not the next day or 2, I said I was cancelling the order that I no longer believed anything the dealer said as I had previously worked in carpet and flooring.

They said fine, but they were due a cancellation fee. I said no, it had never been received and according to the carpet mill never ordered. It was never in stock at the store. They said well they had to pay the Mill a restock fee. 
I patiently explained that was an issue and contract provision between the store dealer and the Mill, it did not include me and I would not pay a restock or cancellation fee. I believed the Mill and the dealer never ordered the carpet.

I called Bank of American, they agreed with me and reversed the charge to the dealer. All was well, until the dealer had his Merchandise Group complain to Bof A. Without telling me they not only reinstated the amount paid but without my permission of knowledge paid the dealer the entire amount for the carpet.

I never signed for it, the carpet was never received. Talked with BofA and they said the Merchandise Group complaint was so strong and they were all BofA customers and I just an individual that they reversed their decision and ordered the entire carpet, though never in stock, never installed as owed and paid the dealer.

My bank of BofA in XXXX with whom we had banked 26 years called them on my behalf and told was a new customer as far as they were concerned and that the Merchandise Group held power and were collectively and individually more capable of bringing BofA funds. 

So, BofA put this on my credit report and it is affecting my ability to get a mortgage. I do not owe this debt, nor should this be in my credit file. 

I cancelled my account with BofA and returned their shredded card to them at the local XXXX XXXX. 

When this sprang up after I applied for a new mortgage I went to the XXXX. Attorney General who suggested that I contact you. 

Please help. 
XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

RE : Adverse Action Dear XXXX XXXX, The consumer and natural person was denied credit by NETCREDIT. The consumer/natural person DID NOT apply for credit on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX FIRST AND FOREMOST, The Consumer did not apply for credit!!! Secondly, Adverse Action against a consumer is AGAINST THE LAW, according to the Equal Credit Opportunity Action ; which is codified in 15 U.S.C 1691 ( c ) and 15 U.S.C. 1962 ( k ). You are subject to be criminally liability for the enclosed violation. I have proof that I am being discriminated against by NetCredit by way of proof provide by Net Credit multiple responses of denial of credit.

Regardless of the reason for being denied, I assert my rights to fair access to credit. Withholding my access to my securities is a form of Securities Fraud. This action violates both the Equal credit Opportunity Act and the Consumer Credit Protection Act. Furthermore, because of my Social Security Number/ ( Credit Card ) has been used on multiple occasions and I received NO benefit on those multiple occasions. This is proof of Fraudulent activity ( unauthorized use of credit card ) on behalf of NetCredit under 15 U.S.C 1602 ( p ) { unauthorized use of a credit card ]. 

If NetCredit fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card. I will indeed make NETCREDIT criminally and civilly liable for all actual ( $ 1,000.00/per violation ), Thank-you, XXXX/Agent /Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved 1-308.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to me mailing multiple letters off for experian and transunion to remove these items which have been removed from my equifax. Please be aware that automated responses or XXXX verifications are unacceptable for addressing this matter. A detailed DELETION and explicit disclosure of your verification method are required as per the statutory guidelines. 
This communication serves as my final goodwill attempt to rectify this matter amicably. The disputed item is not only inaccurate but also incomplete and represents a significant error in your reporting. I am maintaining a detailed record of all communications for this issue, to be used for filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office. 
Please note that failure to satisfactorily resolve this matter within XXXX days of receiving this certified letter may prompt me to initiate a small claims action against your company, seeking {$1000.00} per violation for : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Renorting Act
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you. The 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. This fraudulent, inaccurate, and false information consists of a personal loans and credit card account opened at XXXX XXXX  on XXXX under the account number XXXX # an a account opened at XXXX XXXX on XXXX under the account number XXXX # .That appears related to the aforementioned These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections 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, The aforementioned accounts, collections, 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, FTC case number # 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 card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. 

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

Im filling this complaint regarding an inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with reporting agency it remains unresolved.I request immediate investigation and removal of this item as it is incorrect and does not reflect my true credit history : the items 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 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

The Rocket Mortgage company submit an application for a loan for me and they asked the XXXX XXXX XXXX to run my credit report without my authorization and my consent. I recieved by mail a copy of my credit report and a Loan application number, and I didnt ask them to do that.
Product: Debt collection

The agency hired by HSBC continues to harass me about a debt that was discharged in bankruptcy in XXXX XXXX XXXX 

The recovery agency is XXXXXXXX XXXX. They are KNOWINGLY attempting to collect a debt after discharge and that's against the law. 

I have referred them to my attorney and we are collecting the information about every contact. He said we should have several contact noted over several months before we sue. Can't wait until we meet that threshold! 

XXXX