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

Un-Authorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not recall this visit to any medical facility... the bill was taken into collections ... I did have my identity stolen a while back, I need help please
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card account XXXX. I have identified that late payments have been incorrectly reported, negatively affecting my credit score. 

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 U.S. Code 1681i** ( correction of inaccurate information ) and **15 U.S. Code 1681s-2** ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.
Product: Credit reporting or other personal consumer reports

I recently review copy of my credit report and notice i had fraudulents account on my credit report.Please remove these accounts from my credit report. they are hurting my ability obtain credit. 

AMERICAN EXPRESS XXXX on XX/XX/2024
Product: Checking or savings account

Good afternoon, I mailed my landlord a check, # XXXX, in the amount of XXXX in XXXX. This was cashed XX/XX/XXXX. This check was stolen from the mail and fraudulent cashed. I have been in contact with my bank CAPITAL ONE, FOR THE PAST TWO MONTHS. This unfortunate engagement of them commenced on XX/XX/23. I have spoken to NINE customer Service reps, one manager and one Supervisor. NO ONE has been able to resolve my issue, yet shuffled me from person to person. In the past two weeks, I have been LIED TO and told all I needed to do was fill out an Affidavit and submit to the investigator in order to be reimbursed my funds. The manger I spoke to ID number is XXXX and most recently the supervisor I spoke to is named XXXX. They READILY ADMITTED that it was Fraud yet they state the investigator has closed the case and is not seeking any info from me suggesting I was scammed. I WAS NOT SCAMMED. THIS WAS MONEY MUCH NEEDED TO PAY MY RENT THAT WAS STOLEN FROM ME AND MY FAMILY. This has been an EXTREMELY FRUSTRATING, ANGERING, DEMORIALIZING experience clearly exhibiting CAPITAL ONES LACK of concern or care for their customers and their families. I have been a longtime, good customer with a sizeable checking account yet they have shown that means nothing to them. THEY HAVE CAUSED UNDUE STRESS on me and my family, all of which undeserved and indicative of an intuition whose action, and lack thereof, has, at this point, shown them to be self serving. My case number XXXX.
Product: Credit card or prepaid card

I started by contacting UBS Bank  in XXXX since I became interested in their banking products. One of those products was their UBS Visa  Infinite card. It seemed that the only way to apply was to call their customer service number. When I did, they explained they'd take down my information, and a paper form would be mailed to me. Seemed surprising to me in this day and age but I understood. I received the application a few days after, completed it and sent it XXXX with signature confirmation. This was received at the beginning of XXXX. Since the form has all my private information, and I was required to send it to them, I called multiple times after it was received for a status update. The customer service representatives were very professional, but nobody knew what had happened and they could not locate my application. Two of the persons I spoke with gave me a case number and promised to call me within 3 days, they never did. To make the story short, I completed and sent with signature confirmation 2 more applications. UBS Bank is in possession of 3 applications from me, but nobody can tell me what's going on. I thought maybe they were closed or working reduced hours because of the current crisis which is understandable, but somebody keeps receiving packages and signing for them. And the customer service representatives insist they are fully open.
Product: Debt collection

THe original creditor is XXXX XXXX XXXX XXXX XXXX, a card was set up in my name by someone else, it was turned over to XXXX XXXX XXXX, I disputed it with the creditor and XXXX, they confirmed it was fraud, removed the balance owed and took it off my credit report, now it is with a new collection agency and is back on my credit. The original creditor, who I am a current customer with in excellent standing, says they show the prior balance was removed. They told me to contact XXXX who apparently sold it to KAPS, XXXX says they notified KAPS of fraud, but KAPS will not remove the debt from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no longer an authorize user on XX/XX/XXXX credit account. Please update it correctly. This account is not in my responsibility. I have contacted the institution regard of this matter.
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I disputed this company because there were discrepancies reporting on each of my credit reports. They have been reporting the incorrect information for years. Instead of deleting this from my credit report they updated the information. I was wronged by this company for falsely reporting and updating information when it was incorrect.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 at about XXXX XXXX XXXX I made a transfer from my Bank of America checking account through XXXX. This is something I have done before and was shocked to find out that I didn't not send money to my son but to a stranger who has a phone # my son used for 24 hours earlier this year. I immediately contacted the person I accidentally sent money to and called Bank of America. I was informed that they will not take any action and neither will XXXX who processed the transaction. The only suggestion I was given was to " hope the reciever does the right thing ''. I am a single parent who lives pay check to check. I can not afford to give a stranger {$120.00}. Please help.
Product: Credit reporting or other personal consumer reports

I have submitted everything into the credit bureau 's and they did not delete anything and are simply playing games i had identity theft in my credit report and i am trying to clear this matter up.
Product: Payday loan, title loan, personal loan, or advance loan

I wanted to pay off my loan balance to avoid paying some of the extremely high interest on the loan. However, when I went to pay off this loan it showed my account was in arrearages. I sent an email inquiring how could this be possible. I have made every single payment on time. The original loan amount was for {$500.00}. Now my balance is for nearly double that amount. I have penalties and accruing interest on my account I can never catch up with. I am unable to pay off this loan because 605 Lending just simply refuses to apply my payments to my account. According to their records, the last payment I made was on XX/XX/XXXX. However, I submitted every bank statement from XXXX until the current date showing the bi-weekly payments coming out of my account steadily. They did not respond. The next payday, or due date for a loan installment payment they collected the payment, as usual. Yet my account still shows it has not been paid on since XX/XX/XXXX. I keep sending emails and calling and no matter what I submit to them they do not respond to my emails and the customer service has no record of my payments. I have them in XXXXXXXX XXXX XXXX  Now I have over paid this loan by hundreds of dollars. I should've been allowed to pay off the balance almost 2 months ago. They keep accuring interest on the principle balance, now on the arrearages. Under the original terms this loan only has 3 more installments. But I know they will just keep collecting payment after payment. This is extremely unfair. I can't afford to keep paying them like this. The payments are {$150.00} every other Thursday. I'm having to borrow money from family to keep up with them. At this rate I will never pay off this loan. The original agreement was 765.76 % interest if it wasn't paid off early. I should have only 3 more payments ending this loan on XX/XX/XXXX. That will have me paying them back {$2400.00} for a {$500.00} loan. As if that isn't bad enough, since they do not apply my payments to my account they now say I owe them {$960.00}. This is after I have already submitted {$2000.00} in payments ; XXXX payments at {$150.00} each. I don't know where to turn to. I am being robbed. It seemed to me, my attempt to pay this loan off early is what started all this. No matter what, they were going to get their {$2400.00} out of me. Even though they said there was no penalty for early pay off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported a judgment for {$870.00} that was not even mine, and this matter was resolved a year ago, and it still shows. They are unreasonable, and when I called they just said to dispute again ... this is keeping me from getting a new car because I was in a car accident and need a vehicle. I 'm hoping this will help so I can move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we go again! 

Omission from the credit report is a problem. Intentionally deleting data from a credit report and refusing to fix it should be a crime! It fraudulent to sell bad data and defamatory to spread incomplete and harmful data on someone. 

Equifax deleted the entire record of my XXXX revolving credit account from my credit file impacting my overall credit picture and credit score to companies paying good money for this information and who may lose money and business by rejecting a more than qualified customer. The account deleted is over 36 years old, uninterrupted, with a superior payment record, has a substantial credit limit and I use almost exclusively. It contributes substantially to my FICO score and the longevity shows highly responsible credit utilization over three decades. 

After repeated attempts to get this account back on my credit file, Equifax refuses to do so with various pretexts and excuses, even blaming XXXX for not transmitting the data- never mind that their competitors, XXXX and XXXX, have no problems. 

Today I received a notice from XXXX that my FICO score had changed - ironically, they use Equifax to generate a score. For no reason at all, it had dropped 54 points. Nothing in my finances had changed. The two standard blurbs given for what caused the drop was the length of my credit history was too short ( 36 continuous and documented credit history is too short? ) and that my credit utilization was too high ( it looks that way when you do not mention the substantial credit line I have on the deleted XXXX account ). This is a clear example of the harm against me given that XXXX routinely obtains a soft inquiry with Equifax as part of their maintenance of my account to decide on interest rates I will pay and credit limit I merit. I will continue to advocate to XXXX they change to XXXX or XXXX to get their money 's worth and complete data. 

Why did Equifax delete the record? Why won't Equifax restore it? Why is Equifax intentionally defaming my credit score? 

Today, the Equifax representative I called at XXXX simply hung up on me. That triggered my contacting the CFPB on this matter again.
Product: Credit reporting or other personal consumer reports

Dear XXXX according to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on credit report. I am requesting 1099-C ( Cancellation of Debt ) from the following accounts listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and had a lot of unauthorized items on my credit report that and they have been very detrimental to my mental health
Product: Credit reporting, credit repair services, or other personal consumer reports

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

For the multiple times, I am disputing the same account that was reporting inaccurate information on my credit report and it really ruining my overall score! How many times should I informed you that I dont have missed payment on this account? I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It is evident that there may have been a system error or failure to update the information accurately. I request a thorough investigation into the matter to determine the cause of this discrepancy. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I had reviewed my credit report on the month of XXXX and this account was reporting in good standing. And when I reviewed my credit report on the month of XXXX, this account was reporting with late payment which I disputed right away and I am determined that I am checking right after my payments. And I wonder as the months goes by as I received my credit report, the account was reporting inaccurately miserable. I can sure that there was a system error or lapses in your investigation that this account keeps on reporting inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, TRANSUNION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. TRANSUNION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Debt collection

On XX/XX/2022, I, XXXX XXXX, a consumer, entered into a consumer credit transaction with TD Auto Finance. A consumer credit transaction that included a financing charge. A financing charge is the total of all fees in a consumer credit transaction, according to 15 USC 1605. Cash was paid to TD Auto Loan ; however, cash is not included in the finance charge. Although insurance is supposed to be included in the finance payment, TD Auto Finance forced me to buy it separately in addition to additional expenses.
Product: Credit reporting

Since your last update on XXXX XXXX, XXXX, XXXX inquiries have been added to your credit report. 
Lender Industry Inquiry Date Reported By XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX Miscellaneous XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion FRIENDLY XXXX XX/XX/XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX Credit CardsXXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion XXXX XXXX Bank XXXX XXXX, XXXX TransUnion