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

In accordance with the Fair Credit Reporting act CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX RE : Unauthorized and Fraudulent Inquiries To Whom It May Concern, I am writing to inform you that you are unlawfully reporting fraudulent inquiries on my consumer report that I did not initiate, as required by law. 
Under 15 U.S.C. 1681b ( c ), a consumer reporting agency shall not furnish a record of inquiry in connection with a credit or insurance transaction not initiated by a consumer, except as provided in 15 U.S.C. 1681c. 
The following inquiries are a result of identity theft and were not initiated by me. I demand that they be deleted immediately : Transunion Hard Inquiries FTC Claim Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My identity has been stolen, and I am hereby putting you on notice. 
Under 18 U.S.C. 1028 ( a ) ( 1 ), a person who knowingly transfers possesses, or uses, without lawful authority, a means of identification of another person shall be sentenced to a term of imprisonment of two years. My identity has been used without my permission to open several accounts that have damaged my reputation and my ability to live my life. 
Furthermore, you, [ Credit Reporting Agency Name ], have committed fraud by not verifying these accounts. As stated in 15 U.S.C. 1681b ( b ) ( 1 ), a consumer reporting agency XXXX furnish a consumer report only by the written instructions of the consumer to whom it relates. 
15 U.S.C. 1681 emphasizes the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' rights to privacy. The information you are reporting is inaccurate and has been obtained through identity theft. 
I request that you immediately investigate these unauthorized inquiries and remove them from my consumer report. I also request that you take steps to prevent future unauthorized access to my personal information. 

Sincerely, XXXX XXXX
Product: Debt collection

Jefferson capitol Systems keeps calling about a Debt. 
I do not owe them or any other debt that is not secured and current. XXXX XXXX XXXX

I have perfect Credit, yet this company keeps calling my Cell and wife 's Cell, both registered on the Do Not Call since XXXX
Product: Vehicle loan or lease

I became ill and fell behind on my car loan. I dont understand the late fee of {$140.00} each month, which seems very high and unreasonable. 
Current Payment Due : {$480.00} Past Due : {$330.00} Late Fees : {$140.00} Total Due : {$960.00} Payment Due Date : XX/XX/year> ACCOUNT INFO Principal Balance : {$13000.00} Payoff Amount : {$13000.00} Payoff Good Through : XX/XX/year> TRANSACTION HISTORY Transactions between XX/XX/year> - XX/XX/year> Date Description Principal Interest Total XX/XX/year> Payment Received- {$420.00} - {$63.00} = - {$480.00}
Product: Credit card or prepaid card

I been trying to log in and pay bill online but my account is not on file i get asked to call fraud department to verify my identity. When i try to verify my identity or to make payment over the phone I get disconnected by their automation or say they will call back. Now I'm being cjarge XXXX $ of late fees. This is the goodyear credit card
Product: Credit reporting or other personal consumer reports

XXXX XXXX has refused to comply with my opt out notice sent over one month ago.

They are reporting a charged-off account.

This charge-off is a certificate of indebtedness. According to IRS publications, as well as 15 USC 1681 where the law refers to permissible purposes, they are reporting my income and transaction history which is not permitted. 

This account has been requested to be updated to paid as agreed numerous times. 
Once again, I reach out to the CFPB to enforce. 

CFPB can you BLINK IF YOU CAN HEAR ME PLEASE?!!! I have reached out so many times lol
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Solar Loan and Credit Report Issue To Whom It May Concern, I am writing to formally raise a complaint regarding an unresolved issue with a solar loan that is unfairly impacting my credit score. Below are the details of the situation : Project Initiation and Cancellation : I decided to go solar and signed all loan documents as part of the process. Following this, on-site checks, such as assessing my roof, were conducted. 
Without prior notice or explanation, the initial design of the solar project was abruptly changed. Due to this lack of communication and transparency, I decided to cancel the project. 
Credit Report Issue : Despite the cancellation of the project and the associated loan, I discovered a few weeks later that the loan was reported on my credit report. 
I contacted the company responsible for reporting the loan. They directed me to reach out to the solar company that originally sold me the project. 
XXXX XXXX XXXX : I contacted the solar company, and they confirmed that the project and the loan had been canceled on their end. However, the loan continues to appear on my credit report. 
Unresolved Impact : Despite my efforts to resolve the matter, no one has taken responsibility for fixing this issue. The erroneous loan entry is significantly damaging my credit score. 
Desired Resolution : I kindly request that immediate action be taken to : Verify the cancellation of the loan with the relevant parties. 
Remove the loan from my credit report as it was canceled and should not have been reported in the first place. 
Provide written confirmation once the loan has been successfully removed from my credit report. 
This situation has caused me undue stress and has negatively affected my financial standing. I expect this matter to be resolved promptly. If no action is taken within a reasonable time, I will be compelled to escalate the issue to consumer protection agencies or seek legal advice. 

Please acknowledge receipt of this complaint and inform me of the steps you will take to address the issue. You may contact me directly at XXXX Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies below ran my credit score without my permission and I want the problem to be fixed and the inquires to be taken off of my credit report ASAP. 

- XXXX XXXX on XX/XX/XXXX for auto finance - XXXX XXXX on XX/XX/XXXX for auto finance - XXXX XXXX on XX/XX/XXXX for finance - XXXX XXXX XXXX in XX/XX/XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX for finance - XXXX XXXX on XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance - XXXX XXXX XX/XX/XXXX for auto finance
Product: Credit reporting or other personal consumer reports

I have been doing some investigating on my credit report. XXXX XXXX  charge off on my credit reports.I would like the 1099-c form for my records. Charge off start in XX/XX/XXXX please have them to send me my 1099-c
Product: Debt collection

This is a complaint against Barclays Bank delaware. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly ( 120 ) days late on XXXX - partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6, 7, 8, and 9 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Money transfer, virtual currency, or money service

On XX/XX/ I sent {$5600.00} through PayPal to an account overseas for my fianc. PayPal took the money out of my account and will not issue the money to the recipient. I called PayPal and demanded a refund or the release of the money. PayPal is refusing. This should not be happening. I would like for the money to be released to the recipient or refund it back to my account. I hope you can help me with this problem. Thank you in advance XXXX XXXX. The PayPal email address used was XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate information that is on my credit report In regards to my XXXX  XXXX account/ ( XXXX XXXX which it has been over 7 years and needs to be removed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is reporting negative history inaccurate information for the same creditors and should be deleted from my report credit after submitting my documentations they still has incorrect/inaccurate information still remains on my credit report CFPB has took action against XXXX XXXXExperian and highlights how this supporting my claim of their non-compliance specifically.This impacted me in such a harmful financial way. I have been denied credit for the last 3 years Because of inaccurate reporting information on my credit report I couldn't even purchase a home because of XXXX incorrect information on my credit report.There lack of investigation & Reinvestigation is unacceptable I've sent multiple dispute letters sending my supporting documents to support my rights to have those inaccurate reporting removed from my credit they currently have XXXX XXXX that account is from XXXX  and it still remains on my report on my which I have asked several times to have it removed XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX is two different companies reporting for the same account.In which I only paid XXXX XXXX before my account begin negative.In which I paid to XXXX XXXX
Product: Debt collection

This is a new debt collector that is purporting that I have a debt, they have never provided my the opportunity to verify the the debt, nor have they sent any correspondence. 

I have disputed the debt and XXXX says its verified - this is bogus, I have not lived at the residence they claim this debt is attached to for years - this debt is false. The debt collector is collecting under a false pretense.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband died in XX/XX/2019. He had brought a new XXXX and I had cosigned for him. When he died, I got in touch with Pentagon Federal Credit Union and sent them his death certificate and XXXX and told them I could not afford to keep the truck. They told me to sell it, I told them I needed them to take the truck back. Of course I could not sell it, I didn't know anything about that. I explained to them. I barely had enough money to bury him. Finally they asked me to submit to them all of my bills and daily expenses. I did that and I heard from them that the debt had been forgiven. Later, I saw on my credit report that there was a XXXX deficit and that it had been put on my credit as a bad debt that had been charged off account. Account balance was reported as a loss by creditor, I called the several times, because after I did everything they had asked, why were they putting it on my report. I WAS TOLD THEY HAD NOT ASKED ME TO SUBMIT ANY INFORMATION AND THEY DIDN'T KNOW WHAT I WAS TALKING ABOUT. Every since, I have been screwed. There is nothing I can say to them because they deny what they asked me to do, now I am trying to buy a house and this is on my report and if needs to be taken off my report. CALLING AND TALKING TO THEM HAS NOT WORKED. I need this cleared up and off my credit report.
Product: Checking or savings account

On XX/XX/XXXX I received a {$9000.00} from the XXXX of Arizona. I had a chase account and called chase to see where that money came from as I knew it might not have been mine. I spoke to a representative and he referred me to an investigator. He asked me where do I think that money came from, if I where sure it wasnt mine and a couple more questions that I dont recall at this moment. The investigator explained to me that my account would have to be closed so that the funds can be given back to whom it belongs. He also explained the process ( contacting the bank from which it came from, starting a claim process etc. ). He always reassured me that I was going to be able to open my account back up. I chose not to open a back account back then because I was not working and knew that without a direct deposit on my account I would have to pay maintenance fees. As of, Friday XXXX XX/XX/XXXX ) I tried opening my account back up. I went to my nearest chase branch but the nearest date they had was XX/XX/XXXX and I needed an account before then. I decided to try and open an account online but I wasnt able to so I called chase. They referred me to a representative who explained to me that theyll need to clear the incident up. She told me that she had cleared it up and was able to open a new account. So today, Monday XX/XX/XXXX, I called my chase representative to make an appointment to open my account. And she tells me that she wont be able to open an account because I have a fraud record in chase. I explained to her that how can it be fraud if I myself was the one who called about it and did all the due diligence to give the money back to its owner and that at no time no one told me that I wouldnt be able to open a new account. She told me that it is a common practice that chase tells costumers one thing over the phone when they know quite well that theyre lying. I asked her what could I do then? And she told me that she would recommend me to open an account at another bank because chase its not going to let me.
Product: Credit reporting or other personal consumer reports

I woke up this morning to find inaccurate accounts on my credit report, and I have no clue how they got there. I check my credit report regularly, but this time, there were strange discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. The incorrect accounts remained, even after refreshing. Given this situation, I'm requesting that the documents I've provided be thoroughly reviewed, so I never have to worry about this happening again.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXXXXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

AMERICAN HONDA FINANCE is reporting a late payment on XX/XX/2021 for a car payment I never paid late and always paid as agreed. I have contacted the numerous times to correct the information and I have not received any updates. its been months and this is severely impacting my ability to buy a house for my family... any help would be greatly appreciated!
Product: Credit card

On XX/XX/XXXX, I purchased a service called XXXX XXXX for a monthly fee of {$49.00}. 
I turned auto renewal off. 

The charge : on XX/XX/XXXX, the account was renewed at {$49.00}. The charge I am attempting to dispute is the XX/XX/XXXX charge. The charge went through XXXX XXXX 's payment processor XXXX XXXX XXXX. I attempted to contact both XXXX XXXX  and XXXX. XXXX XXXX  did not respond to communication attempts. XXXX  stated that it was XXXX XXXX 's problem and would not assist despite the charge being to XXXX XXXX XXXX. 

The issue with Citi ( chief complaint ) I started a dispute with Citi around the unauthorized charge. At no point did Citi reach out for comment or accept any documentation about the unauthorized charge. After about 4 weeks, Citi closed the dispute. At no point did Citi ask for any supporting documentation. Citi did not provide a way to appeal the dispute. 

I attempted to contact customer support. Customer support said they would not be able to assist me and directed me to their " fruad department '' at XXXX XXXX XXXX XXXX. However, when attempting to reach out to this number it rings and eventually I get a line disconnected message. 

Citi does not appear to be doing their diligence around helping me with an unauthorized charge and is not providing ways for me to be able to contact them for help.
Product: Credit reporting

This is an additional dispute being filed as I was advised to do by a member of your team that I spoke to on the toll free number today. 


I recently joined creditkarma.com to begin to rebuild my credit. 

Shortly thereafter, I discovered an account in Collections reported by XXXX and Equifax from XXXX XXXX XXXX for {$470.00} XXXX COMPANYPO BOX XXXX, XXXX do not have an account with XXXX XXXX XXXX and have not since I allowed a cellular contract to expire in XXXX. 

To summarize, I had a XXXX year cellular phone contract with XXXX XXXX XXXX that began in XXXX and the contract expired in XXXX. I did not renew the contract opting to pay on a month-to-month basis. 

So, at that point, I did not have an outstanding balance with XXXX XXXX XXXX and began using " pay-as-you-go '' service until around XXXX when I began " rate shopping '' with other pre-paid service providers. 

I do not know from where these charges originated and have no records of any accounts with XXXX XXXX XXXX for any services of any kind since I changed to other pre-paid service providers a few years ago. 

As I have no accounts with XXXX XXXX XXXX, I have no documents to attach. 

I would appreciate any assistance you can provide regarding this issue. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This debt was related to dental services from my dentist, XXXX XXXX XXXX in XXXX XXXX/CA. Somehow she did not tell me about it and all of sudden I got a call from Trojan Services about it. 

I took a loan with XXXX to pay that debt as soon as I could and did it ; however it is still showing up in my report after a long time. I was only contacted once by Trojan and they told me that if I would settle that quick that would never happen but this is not the case. 

I want to really see what I can do to resolve this matter since this was paid properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX AND XX/XX/2022, I SENT CERTIFIED MAIL TO EXPERIAN. THEY EMAILED ME A NEGATIVE RESPONSE REFUSING TO COMPLY WITH MY DISPUTE AND I HAVE COMMUNICATED I DO NOT ACCEPT COMMUNICATION FROM THEM THROUGH THAT MEDIUM. AS FOR MY SECOND ATTEMPT THEY HAVE YET TO RESPOND TO THAT NOTICE AND HAVE DISREGARDED MY INSTRUCTIONS. THEIR DISREGARD FOR COMPLIANCE IS COSTING ME TIME AND MONEY.
Product: Credit card

XXXX fraudulent charge of {$990.00} on my commdata fuel card. Commdata flagged account for potential fraud and I called them and verified same day. I then filled out fraud form and sent in next day. I also closed my commdata account and blocked them from my bank account due to fear of more incoming fraud. My account was in good standing at {$0.00} owed prior to {$990.00} fraud charge. Then 4-5 days later commdata decided to charge me for the {$990.00} fraud charge which my bank rejected and then they sent me to collections, now their trying to charge me {$1300.00} for a fraud charge that they were notified about and did nothing. I have sent them the fraud form on 3 different occasions including to the collection company.
Product: Credit card

I had an account with State Farm Bank, ( credit card ) with a small amount outstanding. In fact I rarely used that card due to its high interest rate. 
I was reported to credit reporting agencies according to the Bank on XXXX occasions for late payment. 
I never received any statements from them, either by mail or e-mail. In fact after receiving a letter from them several months ago, I asked them to send me paper statements. I was told they would but in fact that never took place. 

I subsequently spoke with a supervisor who asked me if I had been made aware that their e-mail services were not compatible with a XXXX browser. This information was never relayed to me, hence the statements were never received. Once again I asked for paper statements, and once again, the bank omitted to comply. 

I asked the supervisor to start a review to remove the bad reports to the credit reporting agencies. 
Received a letter from the bank 2 days ago stating that " the i related to my recent credit reporting dispute, has determined that the information we provided to the consumer reporting agencies was accurate ''. 

In this case obviously, the bank was negligent in providing relevant and necessary information to me ( the client ) regarding browser incompatibility and failed on two occasions to comply with my request to provide me with statements via XXXX as requested.