23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

this name was used Fraudulent to obtain credit or services under my social security number it was removed and I did ask that this name be blocked & removed it was n't I 'm now asking that this name be blocked & removed again from my credit files and the Fraudulent Accounts that came along with this name. I was told it is a lot of files, accounts that need to be Joined together and I was told that would be taken care of & that someone was going to call me to confirm this accounts has been joined to make XXXX account so that I my also go online to dispute items on my credit file this also has n't been done because I still ca n't I had to go through " cfpb '' to dispute this matter again I want this taken care of if I have ( XXXX ) different accounts files within Transunion then they need to be all joined together with the correct info which does n't include the Fraudulent name ( XXXX XXXX ) I want an update this also has been taken care of which I have asked over & over again and told over & over it would be done but again nothing has been done I will also be reporting this to the BBB. I want to be mailed out a copy of the updated credit report that shows this Fraudulent name & accounts has been removed & I want to be mailed out proof all of the accounts I have within Transunion as been updated and merged into just XXXX account.!!!!!
Product: Credit card or prepaid card

Sir In years XXXX through XXXX I received many hostigating calls because amex increase the interest until 27 or 29 % An recently saw that the customers won a demand for this for XXXX XXXX  I WANT TO KNOW HOW I CAN CLAIM MY BENEFITS because I was affected with that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian as placed an alert on my account that I never asked them to put, when I initially made a complaint against a credit card company. The alert was placed on my report for a year and I have been unable to open any new credit cards based on this alert. It states that the alert will be removed after 1 year, however it is over a year and the alert remains. I am unable to remove it online or by phone. Only they can do it but they have not.
Product: Debt collection

At least 3 times a week, a collector will come to our house and pound on the door in the middle of the day. The only people home at the time are my kids ( all minors ) age XXXX, XXXX and XXXX. The first time my XXXX year old opened the door the man harassed him with personal questions about me, along with information about himself. Keep in mind he is XXXX and had no idea what was going on!!! My kids are not allowed to open the door when we are not home but the man continues to come back and look in the windows when my kids are home alone. He will park his car on the side of our property ( in which he is not allowed ) so he is able to " sneak '' up to our front door. I'm tired of this guy scaring my kids. They are minors and should not have to be harassed like this!!! How can I get him to stop? 
XXXX, Utah
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding the inaccurate and misleading information on my credit report. I have recently reviewed my credit report and have identified a significant error in the reporting of four accounts held by XXXX XXXX  each identified by the following account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. It has come to my attention that these accounts are erroneously listed as " open '' when they are, in fact, collections accounts, which should not report as open. 

I respectfully request that you investigate this matter promptly and take the necessary steps to correct the reporting inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The incorrect reporting of these accounts as open severely affects my credit score and financial standing. 

I urge you to take the following actions : Initiate a thorough investigation into the reporting status of the aforementioned XXXX XXXX  accounts. 
Immediately delete these misleading entries from my credit report. 
As per the FCRA, it is your responsibility to conduct an investigation within 30 days of receiving this dispute. I expect a swift resolution to this matter in compliance with federal law. The accurate reporting of my credit information is of paramount importance to my financial well-being, and I believe that addressing these discrepancies is vital in maintaining the integrity of my credit report. 

I kindly request that you provide me with written confirmation once this dispute has been resolved, and the necessary corrections and deletions have been made to my credit report. 

Thank you for your immediate attention to this issue. I trust that you will act promptly and decisively to rectify these inaccuracies and ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 15. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Debt collection

I am submitting this formal complaint against Capital One for their refusal to accept lawful tender as payment for an alleged debt reported on my consumer credit report. Despite my proper indorsement and performance on the obligation a total of ( 4 ) attempts, the company has failed to acknowledge my tender of payment, thereby violating federal consumer protection laws and fair credit reporting standards. 

I properly executed and submitted my legal tender for payment in accordance with applicable laws XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year>, including but not limited to UCC 3-603 ( b ) which states that if a tender of payment is made and refused, the obligation for which payment was tendered is discharged, 15 U.S.C. 1635 & 1666 ( Truth in Lending Act - TILA ) Providing consumers with the right to dispute and correct credit obligations and ensuring fair credit practices & 31 U.S.C. 5103 Recognizing U.S. currency as legal tender for debts, public charges, taxes, and dues. 

Capital One has not only refused to accept my valid tender of payment but has also closed my account on a false basis of fraud. This is an act that, under UCC 3-603 ( b ), results in the discharge of the obligation. Despite this, the company continues to report the alleged debt to credit reporting agencies, causing harm to my financial standing and creditworthiness. A violation of the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report accurate information. By failing to acknowledge my valid payment and continuing to report the debt, the company is furnishing false information.

Under 15 U.S.C. 1681b, consumer reports must only be used for permissible purposes. Since the obligation is discharged at this time, any further reporting or collection efforts constitute a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) 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. 

I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer FICO Equifax credit report, which do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX XXXX in XX/XX/year>XXXX  under the account numbers XXXX, with balances of {$9000.00} and {$7800.00}, respectively. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FIC credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

IU was contacted by " portfolio recovery '' about a debt I " owe to XXXX from a XXXX  card ''. I have never recieved paperwork or any means to verify, and the associate on the phone told me I could not receive anythiung unless i gave him my checking account # and a routing #. I was told repeatedly this is the only way I could see any of those records. I really want to get rid of this debt but am scared I am being scammed and cant figure out how to verify anything
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and TransUnion are reporting these three items on my report as accurate. I dont know or have any knowledge of who these creditors are and want them deleted immediately. Attached is my police report and items showing these original creditors that I have no knowledge of and want deleted immediately. Police report number # XXXX.
Product: Credit card or prepaid card

On XX/XX/2019, my Citibank credit card account XXXX was charged a " membership fee '' of {$95.00}. I was not aware of that charge nor did Citibank disclose it to me before it was posted to my account. I have never consented to the renewal of this " membership, '' and I have never approved the charge. 

I have not used this card for purchases for several years. Since I do not receive hard or electronic copies of the account statements for this card, I was not aware of and assumed there had not been any activity on this card during 2019. 

The first activity on this account in 2019 was the membership fee. Pursuant to instructions I had submitted more than a year ago, automatic payments of {$25.00} were then debited from my XXXX XXXX bank account on XX/XX/XXXX and XX/XX/XXXX as minimum monthly payments. I received no notice from Citibank that those payments were due or had been made. The only activity on this account in 2019 has been the membership charge and the two automatic payments. 

I have another credit card account with Citibank XXXX XXXX XXXX. On XX/XX/2019, I went online to check the outstanding balance of that account and the date a promotional interest rate would end. When I accessed the Citibank website, I was surprised to see an outstanding balance in account XXXX. I then searched the online statements for that account and discovered the membership charge and the automatic payments. 

I contacted Citibank customer service about the membership fee for an account I had obviously not been using and had no intention of using, and requested that Citibank cancel the charge and refund the amounts that had been automatically debited from my bank account. Although the person I spoke to was polite and seemed sympathetic, she informed me that because the membership fee had posted to my account more than 60 days ago, her supervisor advised her that the fee could not be cancelled or refunded. 

Citibank has mailing and email addresses for me and could have easily informed me of the fee and given me a reasonable opportunity to cancel my " membership. '' I suspect Citibank deliberately fails to ask its customers whether they want to renew these memberships because Citibank knows that, if given the chance, many customers would terminate their memberships. Taking advantage of these automatic renewals is obviously a source of profits for Citibank at the expense of unsuspecting consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent Experian, XXXX  and XXXX  XXXX XXXX trying to resolve this matter. In XXXX, i sent letters asking each individual credit reporting agency to verify the bankruptcy they are reporting on my credit report. XXXX  has deleted the unverifable bankruptcy from my credit report, However there are several accounts that i have disputed and they are CONTINUING to report XXXX information on my credit report. I have sent several letters back to back and they are not coroporating. 

XXXX  and EXPERIAN are also reporting inaccurate information on my credit report, and are refusing to ccomply with my disputes. Furthermore BOTH XXXX  and EXPERIAN are claiming that they verified the bankruptcy from XXXX XXXX, attached below you will find where XXXX  XXXX has DELETED the information due to it being unverifable. However XXXX  and EXPERIAN who claimed they got their information from XXXX XXXX has refused to remove the inacurrate information and its been 6 whole months since i sent them PROOF to have the information deleted. 


I have found an FCRA Attorney from XXXX and XXXX XXXX and they have informed me that i can sue XXXX, EXPERIAN and XXXX for inaccurate reporting and defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Cash app/square cash never had any 24/7 live agents to communicate with in the midst of refunds unauthorized transactions scams fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I called Lexis Nexis to correct my ( clue ) report for car insurance. The report they mailed me from XX/XX/2019 or so, indicates a lot of duplicate to be deleted- mistakes about me-where I lived duplicated and incorrect to be deleted. Duplicated mistakes about my name to be deleted. My name is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX appears on my reports and I have requested these fraudulent accounts be removed from my reports as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX - balance is showing as {$1700.00}, account partially listed and a limit of {$4000.00} ; no account number listed ; no dates not listed,
Product: Vehicle loan or lease

Loan Number XXXX I purchased used car From XXXX and Loan was with GM Financial. I paid of the loan and I haven't received my pro rated gap insurance money back yet it been 4months
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were discharged in XXXX of 2022 after I applied for the XXXX student loan discharge program. It was XXXX through XXXX but they are telling me that they are not the ones to report that information to the credit bureaus. I then reached out to the credit bureaus to ask about who has been reporting my student loan status for the past 7 months since it has been XXXX and they told me that the holders on the student loan accounts are XXXX XXXX XXXX and that only they can make changes. I also reached out to XXXX XXXX XXXX and they told me XXXX should be reporting since they were the ones to discharge the student loan. I then disputed my student loan with the credit bureaus for showing inaccurate information and status and the report came back as ; correct posting that the information on my report that reflects it still having a balance is accurate. Both XXXX and XXXX XXXX XXXX have confirmed that my student loan is paid in full and that my balance should be {$0.00}, closed paid in full.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally request your assistance in addressing a serious matter concerning a fraudulent account that has been reported in my name with XXXX XXXX XXXX. This account is a direct result of identity theft, and despite my efforts to resolve this issue, I have faced significant challenges. 

Under 15 U.S.C. 1681n, consumers are entitled to accurate credit reporting and protection against identity theft. However, my attempts to rectify this situation with Experian have been met with non-compliance, leaving me in a state of stress and uncertainty. The continued presence of this fraudulent account on my credit report not only affects my creditworthiness but also causes ongoing emotional distress and unfairness as a victim of identity theft. 

As a consumer, I deserve fair treatment and the right to have erroneous information removed from my credit profile. I urge the CFPB to take immediate action to ensure that this fraudulent account is investigated thoroughly and removed from my credit report. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a XXXX XXXX XXXX business credit card from Bank of America. I had not use it often. On XX/XX/XXXX, there was a {$25.00} annual fee charge on my card statement which I didn't receive a notification by mail or email. In the subsequent months, Bank of America didn't notify me about this charge and keep on adding fees and charge on it. In XX/XX/XXXX, when I checked with them about this account and found they have closed the account and charge for total {$270.00}. I tried to argue with them and they said they can't do anything. I paid them {$270.00} in XX/XX/XXXX for the merely {$25.00} annual fee.