23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have yet to be reimbursed payments my identification was stolen someone has used my info on the card as well as was in my region this is ridiculous I reported this for them to help me not take the money that im entitled to and put me on hold and deny my claims this is not fair at all why is this happening and the first time the computer denied it what do they expect for me to do I asked if I needed to make a police report about this but their employees told me no so now what am I supposed to do iv givin them all the information I know then iv been lied to by so many of theur employees I cant believe anything they are saying I want whats mine I did nothing wrong this is my second time being a victim of identity theft but never has it ever been this hard on me to get it resolved can you guys release my money please iv struggled long enough because of this and my claims are legit I was even told another card was ordered under my name I need them to reimburse my account and investigate this or give me what they took from me please Iv been waiting for months now for this to be fixed I need my funds back They are not trying to fix this not to mention they put my account in the lost column and they are misguiding people
Product: Debt collection

Asset was seized without warning in the amount of {$4800.00}. for a credit card that i have no knowledge about. they did not send me any notification but my money was seized from my XXXX account, by Palisades collection LLC, in XXXX and XXXX.. when asked i was informed it was for a credit card i had open with XXXX Bank in 2004.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has informed me on two occasions that Comenity Capital BankXXXX has performed hard inquiries on my credit report. I have not applied for any new credit with Comenity Capital Bank. The first hard inquiry occurred on XX/XX/XXXX and the second occurred on XX/XX/XXXX. My credit score has dropped XXXX points as a result of these excessive hard inquiries. 

I filed a dispute with XXXX after both incidents. The results were the same for both : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' I contacted XXXX to inquire how can these inquiries be factual since I never requested credit. Their explanation suggests that they take the creditor/companies word that the inquiries are factual. They suggested that I contact Comenity Capital Bank, which they referred to as XXXX, to ask them to send XXXX an electronic request to remove both inquiries. After trying to reach Comenity Capital Bank by phone unsuccessfully, I called XXXX back to get a better understanding of the dispute process. 

Once they finally admitted that their dispute process was essentially in favor of the creditor, XXXX suggested that I go to Identitytheft.gov to generate a letter of appeal and to fax the letter along with 2 pieces of ID to them in order to remove the inquiries from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> is when i received {$3200.00} in exchange for my car title. My application is stated denied application. The interest rate was never discussed or information about my car being tracked. I paid over {$10000.00} in payments on this loan till this day and I want to be free from this loan and return my title.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account XXXX My Job with XXXX XXXX ended XX/XX/2020 because of covid 19 I explained that to the Bank, that i was covered by the Cares Act, please remove late payment. 

XXXX XXXX XXXX account XXXX XX/XX/2020 reported late payment., my job was eliminated do to covid 19,  covered by cares act, they would not remove late payment. 

XXXX XXXX XXXX card account XXXX reported my account late in XX/XX/2020, my job with XXXX XXXX wasa eliminated do to covid 19, covered by the cares act.
Product: Debt collection

My credit was pulled by my loan officer for a mortgage application on XX/XX/XXXX. My loan officer notified me of a collection being reported by XXXX XXXX that I was unaware of. The loan officer notified me I would have to contact Midland to resolve this issue. 

I called Midland and was told the account number I have was incorrect ( they changed the number when they acquired the debt from the original credit card company-XXXX XXXX ) they found it by entering my social security number and then notified me that as of the day the credit was pulled, XX/XX/XXXX, this is " being serviced by XXXX and I would have to call them, provided me a phone number and hung up on me. 

I contacted XXXX and was told they just acquired it and it would take up to two weeks to " load it into their system- I would have to call back ''. I have tried for a week to obtain the information to pay this debt and have been unable to talk to anyone who can or will assist and take my payment. 

I offered to pay Midland in another subsequent call, as Midland is the company reporting the collection on my credit report. They said NO, I have to deal with and pay XXXX, even though XXXX is not the company reporting this on my credit report. 

As of the filing of this complaint, this remains unresolved as they say they have no clue who I am or what I am trying to take care of, I am stuck calling them waiting for them to decide to cooperate and let me pay this. I am very frustrated. 

While searching the internet about XXXX I found something indicating there is a class action lawsuit against XXXX.
Product: Credit reporting or other personal consumer reports

I recently noticed unauthorized information on my credit report that should not be there. This includes an item that I did not authorize or agree to, which is now negatively impacting my credit score. I have no association with this account or item, and it appears to have been added to my report in error.
Product: Checking or savings account

I tried to make a transfer and accidentally used huntington bank. The bank never lost funds and the money was never transferred successfully. I did eventually get the money from the right account that had nothing to do with huntington. There was not enough funds to cover the transfer yet Huntington still double charged me in fees XXXX for total of XXXX. After seeing this I tried to reverse the funds but they would not. I then communicated with them that the account is now closed and I would not be doing business with them. A couple weeks later I get a problem with someone sending money to that account on accident. The account was not closed and so they accepted the money and deducted it from what I " owed '' them. I told them this should not have happened and that they need to reverse the funds because the account was closed weeks before. They are now acting like they cant do anything and just wasting my time and stealing money that is not theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Navy Federal Account has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer must furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, CREDIT  PLUS  add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof  that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

These are the inquired that I have marked as inaccurate : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX  XXXX XXXX Balance XXXX {$320.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Equifax, 15 USC 1692 - FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ) subsection listed below.

( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

Page 18 | 43 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ; ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

( 7 ) and Consumer Protection Act. ( that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.

Below is a summary of the data in which I am challenging : 1. 15 U.S. Code 1650 Preveninting unfair and deceptive private educational lending practices elimination conflicts of interest XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
I demand that any wrong, incomplete, or unsupported material be deleted from the content that was never certified to be conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated, and I require any documentation confirming compliance with reporting obligations and any consumer legislation. 
Since I attached my form of PROOF OF IDENTIFICATION, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, several times! This complaint lists someone that your company should recognize as their customer or their customers authorized representative. 
I request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. 
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS. 
Thank you! 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress has made it clear that Experian has assumed a vital role in consumer reporting, and I have never given this company permission to do this. Experian does not have my permission nor does Experian have my consent. Experian has not exercised their GRAVE responsibility and have been unfair and partial and have not respected my right to privacy. I have already made a CFPB complaint and attorney general complaint. I have never constructed Experian to furnish a report or create a report and have never consented to any report. Experian does not have the required documented file of my consent given to them or to any other company to report any information on me to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX, XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance Owed : {$5800.00}, XXXX XXXX XXXX Balance Owed : {$4000.00}, XXXX AND XXXX XXXX XXXX Balance Owed : {$1300.00}, XXXX XXXX Balance Owed : {$2500.00}, XXXX  XXXX Balance Owed : {$18000.00}, XXXX XXXX XXXX Owed : {$660.00}, XXXX XXXX Balance Owed : {$230.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, 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  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have a secured card from capital one bank and when I signed up it had an annual fee attached to it. Now on the capital one website it says there is no annual fee for the secured card that I have. They are still charging me an annual fee even though they no longer do for that card according to their website. They would n't budge on the issue when I called even though they 're offering the no annual fee on new cards. I am being overcharged for the service that they now provide with no fee.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I have identified some information on my reports that are a result of identity theft, these items are not related to any transaction completed by me : ACCOUNTS : XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I opened a chime account in XXXX MIND YOU Ive never used the account.. I downloaded the app received the card AND EVERYTHING!! so when I went back one day to check the account it was LOCKED never even made a transaction so I called in to see why they said I needed to further verify my identity .. so I sunt in the documents XX/XX/XXXX!!! Its goin on XXXX and my account is still locked!! Im heated because why lock an account hat hasnt even been touched!! Then false advertising like yall reach back in XX/XX/48 hours BUT THEY DONT ITS BEEN 2 months on going and the account is STILL XXXX LOCKED
Product: Credit card or prepaid card

On XX/XX/2022, I made a XXXX payment on my capital one card for a XXXX center ( XXXX XXXX XXXXXXXX XXXX ). At this time I did not have a signed financial agreement on file. I had a death in the family and had to cancel the XXXX, however, the XXXX office advised me that the deposit can not be refunded even though I did not sign a financial agreement. I disputed the charge with capital one on XX/XX/XXXX and received a response on XX/XX/XXXX stating that my charge was added back to my account after supporting documentation was provided from the XXXX office. The documentation was an email that stated I wanted to pay a deposit and signatures for using my XXXX The XXXX signatures are in no way related to the financial agreement you are required to sign that specifically says the deposit is non refundable. Those are the signatures signed to agree that they can use my mastercard for payment. I'm not disputing unauthorized, I was disputing that the service was never provided/rendered. They decided not to include that document to capital one. After I lost my deposit, I felt that my choices in retaining my money were limited an prematurely decided to continue with the procedure. They had me sign a financial agreement and was told I'd be charged a XXXX rescheduling fee ( see attachment ), however, the new financial agreement is in breach of contract on the basis of possible fraud and misrepresentation. The financial agreement specifically states that if your XXXX  procedure needs to rescheduled within 2 weeks prior to your SCHEDULED DATE, you will be required to pay a non-refundable booking fee. My XXXX was cancelled and a date was never scheduled so they can not state that I have a reschedule fee when I was never scheduled for XXXX. The deposit was for a custom XXXX that was never made. You are required to have a meeting with the people who make the implants prior to ordering it and that meeting was never done. After the meeting it then takes 15 business days, or 3 weeks, to ship out the XXXX per the attachment so I couldn't have had the XXXX in two weeks if I wanted to. Since they are in breach of contract, they no longer have a right to a nonrefundable deposit. Since the terms also state that the deposit is required to reserve time, and no scheduled time was created, they have not provided any support as to why the deposit is non refundable. I never received the service and the product was never made so I should not be liable for this. I have additionally attached my attempts to get a refund back from them for the same deposit which were not successful.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I attempted to purchase a XXXX XXXX from an XXXX store. I believed the store to be trustworthy because it had over XXXX followers. I sent the seller {$110.00} through XXXX but was told that the funds did not go through and that I should send it through XXXX instead. I then sent {$120.00} through XXXX and was told again that it did not go through. This repeated a few times with them sending me information and even an authentic picture of their driver 's license with the promise that they would return the overpayments. In the end, I lost {$590.00} to the scam. I contacted Chase Bank on XX/XX/XXXX and attempted to reverse the payments but was told that only the XXXX payment could be refunded and that the {$480.00} in XXXX payments were irrecoverable. They said they would do an investigation but I have not heard back from them in months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I XXXX XXXX received a letter that as of XX/XX/2021 the following accounts were verified but Transunion didnt provide their investigation process. Nor did I receive validation of debt from ANY of the debt collection companies. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX TRANSUNION has denied me of my rights of providing me with their investigation process. 
TRANSUNION has denied me of my rights to a fair and accurate credit file. 
TRANSUNION has continued to report fraudulent accounts they know are unverifiable. 

I have sent TRANSUNION a AFFIDAVIT of TRUTH and FACTS which they have assumed ALL FACTS to be true since they have failed to respond. 

TRANSUNION has denied my request for removal of all fraudulent accounts and inquiries on my credit file. 
TRANSUNION has committed fraud themselves and continues to willfully report unverifiable alleged debt. Continuing to cause me great harm and stress! 


I have disputed 3 times with TRANSUNION and they continue to infringe on my rights and deny me of my rights provided by the FCRA. They have also assumed my Affidavit as truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I didnt authorize and never authorized for them to pull my credit report XXXX 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 or other personal consumer reports

providing inaccurate information and is indirect violation of consumer law CFPB has sued your company for failure to properly investigate and I demand this account be removed immediately today