23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> there were XXXX transactions made at a XXXX XXXX XXXX XXXX XXXX all within XXXX mins of each other : XX/XX/year> XXXX XXXX # XXXX XXXX {$100.00} XX/XX/year> XXXX XXXX # XXXX XXXX {$99.00} XX/XX/year> XXXX XXXX # XXXX XXXX {$100.00} As soon as I was aware of these fraudulent charges I lock my card as a precautionary measure. 

My credit card company is XXXX XXXX ( which is supported by XXXX XXXXXXXX XXXX ). They were closed when I received a notification of the transactions going though ; so I immediately reported the very next morning as soon as they resumed normal business hours ( Sun, XX/XX/year> @ XXXX EST ). 

The customer service representative took in my complaint, & said that there would be a link that would be emailed to me. He indicated that it went to a team that handled higher resolution cases, needed to be filed within 7 days. I filed the complaint immediately. Additionally the csr cancelled/deactiviated my I also was told to reach out to the merchant, XXXX, to see what they could do on their end. I spoke with XXXX 's resolution team ; they said that they were powerless to do anything ( as the type of purchase was for fuel ), & referred me back to my card holder. 

Ultimately that same day the Resolution Team from XXXX XXXX told me that there was nothing that could be done, as the transaction was made with a PIN, & per the cardholder agreement could not be upheld with zero liability protection. I disagreed ; as this was clearly a case of fraud, as I had indicated the transactions were made in a peculiar method XXXX miles from my home for diesel fuel. Emails were exchanged, I showed proof that I had my physical card ; that it was a scam someone perpetrated to access my personal info. I had used my car earlier in the day at XXXX XXXX so am assming this is how it may have been compromised. 

the end result is that neither XXXX XXXX or XXXX are not assuming any liability to refund this back to me.
Product: Vehicle loan or lease

The inspector said he found damages to the vehicles that were not true. they were charging me over {$500.00} for normal wear and tear of this vehicle. I declined making the payment for something that was normal wear and tear, Infiniti sent the account to a collection agency which I declined to make a full payment, we agreed on a settlement and I made the payment and infiniti put a late payment on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that XXXX, TransUnion XXXX XXXX are in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a comsumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX written consent to report anything on my consumer report. No consent is identity theft. I demand that you remove these inaccuracies off my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow these companies to furnish a report for me. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If the credit reporting agencies want to continue to do business with me, they should delete these inaccuracies off my consumer report. XXXX XXXX XXXX XXXXXXXX XXXX balance {$390.00} XXXX XXXX - no balance XXXX XXXX XXXX XXXX {$350.00} & {$1400.00} XXXX XXXX bank, hard inquiries including XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX  XXXX and XXXX XXXX XXXX, collections from XXXX XXXX XXXX - i also requested for ALL addresses, phone numbers and employment to be removed and my request was denied, the supervisor stated that these accounts were mine and they would not be removed which is in full violation of my consumer rights and I plan on getting remedy
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$5400.00} XXXX XXXX Balance : {$34000.00} XXXX XXXX  XXXX Balance : {$5400.00} XXXX XXXX Balance : {$34000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my report from XXXX XXXX where it looks like someone attempted to obtain a credit card in my name. This action dropped my credit score XXXX points, I did not authorize this inquiry because I do not wish to ever obtain a credit card.
Product: Credit card or prepaid card

I had an additional credit card I did not apply for linked to my Chase Account when I logged in this morning to check my credit card I do have with them and make sure I made the payment. I then checked my email confused on why I had a card under my account that I did not ever apply for and found that I received an email this same day stating my application for a Chase Freedom Credit Card was approved and the card would arrive in 2-5 business days. Twenty minutes later I received an email stating my paperless billing was enabled by my request for this card. I did not do these things- apply for the card or enable any type paperless billing for a card I did not apply for. I called Chase bank and they confirmed the card was applied for and approved. While verifying my personal information they disclosed that the address the physical card was being sent to was not the address that I provided to them for myself -- which I gave them my permanent address. They confirmed that this application was fraudulent and that it was applied for in the last 1-3 days and that the application was approved this morning. I caught it just in time! The card has been cancelled and I have reported the fraudulent activity to the credit bureaus as well per Chase Security Teams request.
Product: Credit reporting or other personal consumer reports

am writing to file a formal complaint against Transunion, XXXX and XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 
On [ XX/XX/2024 ], I notified [ XXXX XXXX ] that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Transunion, XXXX and XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Transunion, XXXX and XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed byTransunion, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and it's reporting different on each credit Bureau I notice alot of information was inaccurate which I want them to either verify if they can't I want them to delete it from my credit report and the inquires that's almost embarrassing if that was me apply for credit why would l do that to seem credit desperate and unable to get approved for any credit please i would never do that and that is how I know I'm a victim of identity theft and that my information was in the dark web. All i want for them to do is delete those inquires that I didn't authorize and fix the inaccurate information that is negatively affected my credit report profile
Product: Debt collection

Capital One Bank ending account number ****XXXX  statement attached, reports a balance exceeding {$10000.00}. My credit limit on this card is {$3500.00}. The statement reflects a payment of {$6600.00} and during that same time period there were transactions on this account of {$16000.00}. I did not make this {$6600.00} payment nor did I charge over {$16000.00}. This card is being used fraudulently. I have contacted Capital One and notified them of the fraudulent activity, however I have not been successful in getting this issue resolved. Consequently, I am being taken to collections for the outstanding balance due on this credit card. I did not use this credit card nor did I charge over {$10000.00} on this credit card. I respectfully request that Capital One Bank reverse these fraudulent charges and stop the collection proceeding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had a loan for my purchase of my XXXX XXXX XXXX from a different finance company which eventually was changed over to Beneficial. Beneficial closed down here in XXXX my car had been repoed twice. I originally got it in XXXX the summer of possibly XXXX. I put {$2000.00} down. It was a {$10000.00} and some vehicle. A payment made to Beneficial was never documented on their records which I do have a record of. However, I have to go back to my records and find I have a receipt from them but it was not on their printout and maybe that is why they thought I was behind. Anyway, how do I owe {$10000.00} when originally the loan was for a {$10000.00} vehicle and I had been paying since XXXX it was picked up I believe XX/XX/XXXX or XXXX? I asked XXXX XXXX to look into and get original records they just told me they verified the information and it was accurate. Yeah if you are ripping off people it is. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of several laws under the Fair Credit Reporting Act ( FCRA ) and in violation of the Gramm-Leach Bliley Act ( GBLA ) and are reporting things on my credit, that by federal law are not supposed to be reported on my credit report. I have made several request to have the things corrected, yet I have been ignored and Equifax still continues to violate the law in which they need to be held accountable. As a company Equifax does not abide by the Fair Credit reporting Act ( FCRA ) at all.
Product: Debt collection

Midland Credit Management. Continues to Contact me about a Debt that is not Mine. Ive asked for Validation Several Times. By Phone and Email No Response. This Alleged Debt that they state I owe. Is not my Debt. I was an Authorized user on a Credit Card. Of my XXXX. XXXX Credit Card XXXX XXXX XXXX. I never signed anything. I was only added On as a User. Apparently He has Fallen behind and they are trying to Collect from me. I want Validation of this debt. They will not Provide.
Product: Credit reporting or other personal consumer reports

This is my second attempt at getting errors on my credit report fixed on my credit report. I contacted Experian, previously explaining that I see some serious errors on my credit report. They " claimed '' they launched an investigation but the investigation did not fix the errors on my credit report. The accounts weren't even notated as have been disputed, so I seriously doubt that an investigation was done on my behalf please correct these errors as soon as possible.
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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
Product: Mortgage

The servicing company for my mortgage has added to the principal balance due. As of this date, the balance should be {$300000.00}. Seterus is adding " fees '' to the principal balance without my knowledge and without providing me any means of challenging this. Seterus is indicating to me that my outstanding balance is {$300000.00}, a difference of about {$1300.00}. It may seem like a small amount. I have been paying, approximately, {$1700.00} a month, every month since XXXX, 2006, on an original principal amount of {$300000.00}. ( That 's {$180000.00} paid on an original {$300000.00} loan. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX submitting this complaint against Equifax Information Services LLC and their is no third party involved. 

As of today, XXXX XX/XX/2022 at XXXX p.m. ( EST ) your company is entering a binding contract ( Attached below ). Also your company is to hereby delete and purge the accounts listed below, and if your company does not delete these accounts within XXXX business days, I will seek legal compensation for up to {$5000.00} per occurrence as your company will be committing aggravated identity theft, violating the XXXX XXXX compliance and FCRA. 

Delete & purge the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all hard inquires, potentially negative accounts & late payments as well.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my application with XXXXXXXX XXXX XXXXXXXX XXXX XXXX was accepted as complete. Under the Dual Tracking Law I was now under protection and in forbearance. XXXX submitted foreclosure status on XX/XX/XXXX and then again on XX/XX/XXXX to Experian/XXXX XXXX This was illegal. I disputed it on XX/XX/XXXX with Experian and notified that the dispute was processed. The company, XXXX ( XXXX XXXX ), reported the information was " certified to Experian and correct. That the information is accurate. '' The information is NOT accurate, XXXX won't help me, and now Experian has not helped me. I became XXXX in XXXX and have to live off of SS XXXX, and my excellent credit is ruined. Down by XXXX points. How can I rebuild that if I can no longer work? I was fraudulently reported by XXXX. I have paperwork from XXXX that affirms I am under loss mitigation protected status.
Product: Credit reporting or other personal consumer reports

Equifax Missing Credit File Information Today, I attempted to file an online dispute with Equifax regarding a cyber scam incident negatively impacting my credit. However, when I logged into my Equifax account, all my banking and credit card information was missing. Since I could not complete the dispute online, I contacted Equifax via telephone to complete the dispute, but they could not retrieve my information. I spoke to an agent at an Equifax call center in XXXX, and they were insulting and unprofessional. The call ended without a resolution. 

XXXX and XXXX Cyber Scam I am writing to bring to your attention a distressing situation in which I was the victim of a cyber scam, often referred to as a " Pay-It-Forward '' scam, that has resulted in significant financial and emotional distress for me. XXXX and XXXX view them as legitimate transactions when they are not. I filed a police report and reports with the Colorado AG 's Office, the FTC, and the FBI 's IC3 unit. 

On XX/XX/year>, an individual posing as a Good Samaritan approached me online and offered to assist me with my credit card charges in exchange for my participation in a " pay it forward '' act of kindness. Believing in their goodwill, I agreed and subsequently transferred funds to a supposed needy individual, only to later realize that it was a fraudulent scheme. 

Despite my good faith efforts to resolve the situation and dispute the charges with XXXX and XXXX, both institutions have refused to acknowledge the fraudulent nature of the transactions and have insisted that the charges are legitimate. As a result, my XXXX card now shows a negative balance of {$2400.00}. 

Moreover, when the scammer realized that their deceit was uncovered, they escalated the situation by threatening me with physical harm, which exacerbated my sense of vulnerability and fear. 

I am seeking your intervention in this matter to help rectify the situation. The details of the scam are as follows : Date of Incident : XX/XX/year> Amount Lost : {$1800.00} ( Current negative balance - {$2400.00} ) Methods Used : Online communication via XXXX Threats Received : Threats of physical harm upon the scammer 's discovery I urge the CFPB to take this matter seriously, assist in holding the responsible parties accountable, provide guidance on how I may recover my losses, and ensure that these charges are not deemed legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years I have disputed the way the Department of Education has been reporting my information. 
Loans taken out in XX/XX/XXXX, -XX/XX/XXXXwith 36mo terms would have either become delinquent in first year or been paid in full by XX/XX/XXXXor aged off credit report in 7yrs of first delinquency.

They are reporting first delinquency in XX/XX/XXXXas a means to keep on my report an additional 7yrs. They waited till the last moment to maximize the damage to my credit. 
Passing loans also does not make it a new loan or debt. Because multiple servicers have passed much of the information can not be verified. Loans taken out in XX/XX/XXXX were sent to XXXX XXXX borrowers. XXXX XXXX has informed me they do not have record of who had loans prior or information about payment history. How is it possible to enforce this debt when chain of custody of these loans can not be verified? 
Both XXXX XXXX and Department of Education are reporting one loan in 3 ways. The department of education has split it in 2 and reporting as separate loans. 
They also claim I took out nearly 100k in student loans. I went to XXXX  college not an ivy league school to be a XXXX. What lender would give a young adult XXXX to go to XXXX  college? A lender would not give a buyer 3 times a car value for purchase. It is not reasonable to believe I received this much. Both the lenders and schools have been unable or unwilling to show evidence I actually received any disbursements. I am unsure if my signature was used to falsely obtain loans I did not recieve or if signatures were forged. 
Each time I have disputed with credit bureaus or directly no changes are made except to increase balance. Even the number of loans they are reporting is inaccurate. According to the nslds.ed.gov website there are 11 loans yet reporting 15 on XXXX. Confirmed not another servicer. I believe there are duplicates. I have also requested proof of signatures and certification of debt. The only response I have received is a copy of master promissory note with an electronic signature. Not one hand signature to prove loans received. Master promissory note does not give dates, amounts, disbursements, interest rates or any financial information whatsoever. Truth in lending act states they are required to be forthcoming with this information. 
I want this information removed from my credit report as it has adversely affected my life and even cost me a job offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple letters to Equifax requesting validation of the accounts in question ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX. Both notices were mailed certified and were received ( XX/XX/XXXX and XX/XX/XXXX ) I have received zero documentation from Equifax providing the proper validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to have an account that XXXX XXXX XXXX even claims was fraudulently opened ( card was active and charged off in 3 months time w/ an unpaid balance ) REMOVED from my credit report as I am
listed as an authorized user and I NEVER enlisted myself to be one or was aware of this card in my name! XXXX swiftly removed this authorized user tradeline off of my credit report ( I have new credit I 'm
trying to build and this is SERIOUSLY dragging me down ) over 3 months ago. Contacted XXXX  XXXX but because it has been closed/charged off they wo n't remove me as an AU despite the fact they suspect fraud. Disputed it once manually with Equifax in XX/XX/XXXX and they wo n't remove it, so I submitted another dispute and I also came to the CFPB to get some potential help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has a vehicle loan on my credit, but the account is closed. However it still appears on my credit report, and it continues to increase in balance every month. The account is also over 7 years old
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XXXX XXXX,2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX