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

After viewing my credit report. I saw that there were multiple fraudulent accounts. I have reached out to the credit bureaus for help and there has been no relief.
Product: Checking or savings account

I was trying to withdraw money to pay my rent and get my car back and my bank blocked my account. I have the same number opened with the bank so I can receive a call to verify. I have been given the run around. I just need my money so I wont be evicted by Tuesday. I cant wait 7-10 business days. Please help me speak to a higher authority so I can verify any information and even go into the branch to verify any information.
Product: Credit card or prepaid card

I received a credit card bill from the XXXX XXXX XXXX brand credit card issued by XXXX XXXX. I don't believe I have ever used this card, and the first notification I ever got from them was this bill that showed that I made no charges but was being billed a {$69.00} annual fee. When I called to close the card, they said that they would close the card but that I still would have to pay the annual fee. I asked to speak to a supervisor and when she finally got on, she said the card I had to pay the annual fee and that the card would stay open and interest and charges would accrue until I paid the fee. I have never encountered a credit card company that wouldn't close the card and remove an annual fee on a card that had not been used, with XXXX balance except for the annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$0.00} XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$45000.00} XXXX XXXX XXXX XXXX {$55000.00} XXXX  XXXX {$4500.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : 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 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 credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} 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 XXXX  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: Credit card or prepaid card

On XX/XX/XXXX a charge of {$290.00} generated on a XXXX  at XXXX a.m showed up on my BofA XXXX statement. It showed the merchant as XXXXXXXX XXXX XXXX AZ. I called BofA to report that I have never been to that restaurant and the charge was fraudulent. Long story short, BofA denied my claim saying the merchant provided receipts ( no signature on receipts ). I called XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX, AZ and spoke to XXXX. She said 1 ) they don't use XXXX  2 ) they don't open until XXXXXXXX XXXX. ( not XXXXXXXX XXXX. ) 3 ) there is no charge for {$290.00} on XX/XX/XXXX 4 ) they did not generate the receipt or invoice that BofA based their denial on. I know there is a XXXX  scam going on and I am disappointed that BofA was not aware of this. I am also disappointed that BofA denied my claim as we have had our XXXX  XXXX XXXX through BofA for over 20 years and something like this has never happened. They never even contacted the restaurant to verify the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account as adverse against my credit file which has caused a drop in my credit score of almost 100 points. The account shows over 30 days past due and it has never been late. I have contacted the creditor numerous times and they agree that the account was never 30 days past due and should be updated. However, the account has not been updated on my credit report and my credit score is still affected. I have disputed this item with Trans Union and the creditor will still not update the account. I have emails from the creditor stating they agree with me and the account should be updated to show it has NOT been 30 days past due. I have also given a copy of my credit report to the creditor to show them the incorrect information is still being reported and nothing has been done. I need to get this account corrected. I have been working on this since XX/XX/2019.
Product: Credit reporting or other personal consumer reports

THERE IS A BANKRUPTCY THAT ISN'T MINE ON MY CREDIT REPORTS, THE CREDIT BUREAS GOT THIS INFORMATION FROM XXXX XXXX SO I REPORTED THE INACCURATE WITH XXXX XXXX AND THEY INVESTED AND FOUND IT IN MY FAVOR. THEY REACHED TO ALL THE CREDIT BUREAS TO REMOVE THE INACCURATE BANKRUPTCY BUT IT STILL SHOWS UP ON MY REPORT. IF THEY DONT REMOVE THIS I WILL TAKE LEGAL ACTION.
Product: Credit card or prepaid card

My PayPal Mastercard via Synchrony Bank was canceled without notice.

User Agreement " You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice. '' I was told that two returned payments were the reason for the canceling of my card for the amounts of {$100.00} and {$100.00} in late XXXX. The amount was readjusted for XXXX, and my account still active. I posted a payment of {$1000.00} on XX/XX/2019 and the amount posted to the account on XX/XX/2019. 

I continued to use the card WITHOUT knowledge of its apparent imminent cancelation for a remaining balance of approx. {$850.00} which will now accumulate interest until payment without my full access to the card.

PayPal/ Synchrony did not notify me prior to an imminent cancelation as stated by law and their own User Agreement. Since I was never notified of any transaction being deemed " Suspicious '' PayPal/Synchrony has no basis to cancel my account without notifying me prior.

A customer service call to a representative of PayPal claims to have also spoken to a Synchrony representative while I was on hold on XX/XX/2019 at approximately XXXX XXXX. I was told the account could not be reopened. The representative spoke to a supervisor ( upon her own accord ) who also told her it was not possible to reopen the account. 

This comes at a very bad time for me and has/will cause undue financial stress. I also was denied the 2 % cashback reward for all purchases while my card was active. This is the primary reason I used the PayPal Mastercard instead of my Debit Card. I've been misled and had an illegal action taken against me due to the lack of notification.

PayPal/ Synchrony made no effort to rectify any of the aforementioned issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a two open fraudulent accounts XXXX XXXX XXXX, XXXX/XXXX  as past due and three collection XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account on my credit report. I disputed this fraudulent account XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. At this time it was with a different collector called XXXX XXXX XXXX. After disputing this fraudulent account with the XXXX XXXX XXXX and XXXX XXXX XXXX, and them conducting their investigation the result was a deletion of the fraudulent account from my credit report. It appears they have however sold this fraudulent account to XXXX XXXX XXXX, XXXX. XXXX and XXXX XXXX XXXX a new collection agency. Even with a different account number it seems Equifax and/or system should recognize that the account has the same account details ( date opened, balance, credit limit etc ) as the fraud account that was previously deleted/blocked and should be rejected for re-insertion. 

Lastly, there is a fraudulent XXXX XXXX XXXX and XXXX/XXXX  credit card that is also reporting on my credit report. These accounts is not mines as it was established as a result of identity theft.I disputed these fraudulent accounts and the XXXX XXXX XXXX and XXXX/XXXX  credit card remained on my report however the XXXX/XXXX  inquiries disputed as fraud were removed. How can Equifax agree that a Inquiry is fraud but the account it is associated with is not??? That makes absolutely no sense. This is another case of Equifax being negligent and This is a blatant violation of my consumer rights pursuant to the FCRA section 623. Reporting this fraudulent account has dropped my credit score and has caused much undue emotional distress. If this fraudulent collection account is not removed promptly, I will be exercising my rights to file a civil lawsuit pursuant to the FCRA for willful noncompliance and negligence!
Product: Money transfer, virtual currency, or money service

My international wire transfer didn't go thru on XX/XX/21, so requested revert the transfer on XX/XX/21 but I have not gotten my money back yet. 

Transfer Confirmation # XXXX Order # XXXX I am really need this money ASAP. 
Please help. 

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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX XXXX - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a hard inquiry from XXXXXXXX XXXX XXXX appeared on my XXXX credit report. 

XXXX XXXX account shouldn't be on my XXXX credit report. 

XXXX XXXX XXXX account shouldn't be on my XXXX credit report. 

XXXX XXXX XXXX  XXXX account shouldn't be on my XXXX credit report.
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 and is continuing violating my federally protected consumer rights as well as my constitutional rights to privacy and confidentiality under 15 United States Code 1681.

15 U.S.C. 1681 Section 602 A States I have a right to Privacy 15 U.S.C 1681 Section 602 A Also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item, or information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. 
Here are a list of such accounts or companies that are violating my rights and dates they furnish such information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I sent XXXX a letter certified Mail # XXXX on XX/XX/XXXX Requesting them to remove the information they are reporting i havent receive a response back I sent Transunion XXXX letter certified Mail # XXXX on XXXX  Requesting them to remove the information they are reporting I havent receive a response back. 
I sent XXXX a letter Certified Mail Receipt # XXXX on XXXX  Requesting them to remove the information they are reporting I havent received a response back.
Product: Debt collection

I got a letter from Allied Interstate LLC. claiming that i had a debt of {$19000.00} from a XXXX XXXX /XXXX   account. I have NEVER procured, solicited or entered into any contract with XXXX XXXX/ XXXX over any of their services or products. I would also like to stress that the first name that appears on that account is not my own. This fact alone should make their claim null & void. I have asked for proof of claim for them.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 reporting agency can not furnish a 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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ths regards XXXX XXXX credit card XXXX MASTERCARD/CBNA XXXX I am not the owner of the account. I was added as an authorized user. Therefore I am not responsible for the payment on the account
Product: Money transfer, virtual currency, or money service

I bank with XXXX XXXX XXXX in XXXX XXXX, South Dakota and I sent XXXX to the XXXX XXXX XXXX citibank location on friday, XX/XX/XXXX for a vehicle that was never delivered. The customers website was XXXX and the beneficiary name was XXXX XXXX XXXX. Their account number is XXXX Routing number is XXXX Reference number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed several disputes with XXXX  regarding the Nelnet student loan accounts. My loans have been rehabilitated as of XXXX of XXXX and are in good standing. The Nelnet account has been closed since XXXX, but they are still reporting every month on my credit report. On XX/XX/XXXX Nelnet reported that I had a 120 day late which was not correct. My loans were in rehabilitation at that time and the Nelnet account was already closed for 4 years. I asked numerous times for this to be removed from my credit report as it is hurting my credit score and making it hard for me to have a better quality of life. The other two credit bureaus ( XXXX  and XXXX  ) have already made the adjustments after their investigation, however  XXXX  refuses to remove the false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} OFFICE OF THE ATTY GEN XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

Dear Equifax RE : You Violated the United States Code Law ( FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) and ( FDCPA 15 U.S. Code? 1692e.False or misleading representations ) FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to loose out on offers due to reporting this inaccurate item and not notating it was disputed.

15 U.S. Code? 1692e.False or misleading representations- ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 



Under FDCPA 15 U.S. Code? 1692e.False or misleading representations- ( 8 ) you allowed this debt collector to violate my right. I disputed these items inaccurate over 35 days ago and you havent notated is as disputed. Which cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. 

The items below should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations. 




XXXX : Account number : XXXX, Please remove it from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. 



You supposed to add notice within 30 days not 1 day over as I have proof.As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 



Sincerely, XXXX XXXX
Product: Credit card

In accordance with the Fair Credit Reporting Act Capital One has violated my rights under 15 USC1681 section 602 states I have the right to privacy 15 USC 1681 Section 604a also states a consumer reporting agency can not furnish an account without my written instructions under 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 any purpose.
Product: Money transfer, virtual currency, or money service

XXXX XXXX Venmo sent email they suspended my account XXXX  I submitted photo of my ID they deactivated my account no problem used it for almost a week XXXX XXXX another email they froze/suspended my acc same exact email as the XXXX I submitted another ID photo they did nothing XXXX   I waited 6 days for them to finally reply saying they cant tell me they said my account will be deactivated next Friday the ( XXXX ) XXXX  I get email saying my account will be permanently be suspended and that my funds will be held for 180 days and that they will not respond to any future emails I have {$100.00} frozen in Venmo that they will not let me access or get saying I might not even get my funds, Im really aggervated due to I submitted ID again when the email was a exact copy and paste as same email from the XXXX Ive asked multiple times and they wont even give me a valid actually any reason to why my acc is closed.
Product: Checking or savings account

I deposited cash into my bank and went from the bank directly to a restaurant and was unable to pay for my meal because there was no money in my account mind you I put the cash in the bank so it was easier to manage because cash is so fluid and a half hour after I deposited the money on the phone to the bank they tell me XXXX to XXXX business days just for a chance of temporary funds until a resolution has been met due to the fact that banks no longer maintain or operate their own ATM machines. Hence the XXXX to 10 days is for the ATM company to come around and do their service audit the machine as they do every time and then go looking for discrepancies when its counted out over. Why should any of that be my problem why should I have to wait for that? Its on camera clearly that I was there depositing cash.
Product: Credit reporting or other personal consumer reports

US Bank Mortgage account and payments are not being reported to credit bureaus. We obtained a home loan in XXXX, however, we needed to file bankruptcy ( XXXX XXXX  ) in XXXX. Our mortgage was not included in the bankruptcy discharge filing and we signed a reaffirmation agreement US Bank. We have not missed or made any late payments during the entire duration of our loan. I have requested for US Bank to provide payment history which I have attached for reference as well as a recent statement due to my husbands name not being listed on the payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX  and experian to verify this account because there is inaccuracies. Also, this account does not belong to me and XXXX and experian responded verified but did not send proper documentation showing me how they verified the account and the documents they have that verified the account. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account with a balance of {$350.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right and 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 constructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

15 U.S.C. 1681 Section 602 ( a ) : States that I have the right to privacy. 
15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Specifies that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include in a consumer report any adverse item of information, other than records of convictions of crimes, that antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits a person from furnishing 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.