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

I was added as an authorized user on this XXXX credit card on XX/XX/2022. I was told it would take 1-2 statement periods for the account to reflect on my credit report. I have spent hours on the phone with XXXX as well as transunion. This account is not showing on any of my XXXX credit reports. I was told that this has happened in the past and they dont have a resolution other than to close my account and re open a new one after several months. This is inaccurate reporting and is against the law. My information needs to be accurately reported or I will seek legal advice against XXXX ( XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, State : XXXX, IL XXXX Email Address : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number #, has vlolated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a crodit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immedilately as you are in direct violation ot several laws under The Fair Credit Reporing Act.
Product: Mortgage

Our Mortgage  Stateme  nt for   XXXX   XXXX   XXXX   h ad went up by {$620.00}. Calle d    XXXX   XXXX   to find out it was due to our escrow account the taxes portion. For  XXXX  our home was listed as an income property which made the taxes to up significantly by  XXXX . On    XXXX   XXXX   XXXX   I went to  the tax accesor office to correct this issue. I received a copy of the corrected tax amount with my tax number. I was advised to send the copy to ditec h Mortage to have this issue corrected as well to lower my mortgage to the correct amount. The amoun t copy was sent to ditech mortgage on    XXXX   XXXX   XXXX  . After speaking with the escrow department I was advised to give them 21 day 's to correct th is issue as well for the month of  XXXX  I will still have to pay the {$1800.00}. Which I paid on time. Now for the month of  XXXX  this issue almost 60 day 's later has still not been resolved. On    XXXX   XXXX   XXXX   I  contacte d Ditech Mortgage a gain regarding this issue. Also sent the exact same paper again dated  XXXX   XXXX ,  XXXX .  Currently Ditech M ortgage wants another 21 day 's to correct this same issue. Financially I am in able to afford to pay another an extra {$620.00} For a third month. I have attempted to speak with management in the escrow department 3 times. Which no one is ever available to speak with. I have requested and waited for a return call back fr om Management and I have not received one. I have also contacted the county as was advised that a check has been sent to Ditech  regarding the over payment dated    XXXX   XXXX   XXXX  . I   gave  ditech Mortgage the check number, bulk amount and as well as the amount that was issued for my account.
Product: Checking or savings account

Here 's an expanded description of what happened that you could submit to the CFPB : I am experiencing a problem with my business checking account that prevents me from sending ACH transfers and wire transfers. Each time I attempt to initiate an external transfer, I receive the following message : " Were missing your mobile number. Add your mobile number to your account to use external transfers. '' It also mentions, " If you've already given us your number, it can take 72 hours to update your account. '' The issue began 10 days ago, and I have been attempting to resolve it since then. Despite having a confirmed and verified mobile number on file ( as confirmed multiple times by customer service ), the system continues to display this message and does not provide me with the option to proceed with a transfer.

Over the past days, I have called customer service approximately 10 times to address the issue. On each call, customer service agents have confirmed that my mobile number is properly registered on my account, yet the problem remains unresolved. Each time, I have been informed that my account should allow transfers, but I am still unable to initiate them.

The inability to make external transfers has caused significant inconvenience and disruption to my business operations, as I rely on these transfers to manage my business finances.

I am seeking assistance in resolving this technical issue, as my attempts to address it directly with customer service have not led to any resolution.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Experian Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 

Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX inaccurate address Account name XXXX XXXX XXXX  Account number XXXX inaccurate address I am requesting that these items be removed from my credit report. 

Please investigate this matter and delete the inaccuracies as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit card

American Express states that I have an account with them that was opened in XX/XX/XXXX. I have no such account. They also state that the account has not been paid and was Charged Off. All XXXX credit reporting agencies have this account as a Charge Off and only have five months of activity in XX/XX/XXXX. This account is not mine and has been disputed with all XXXX credit reporting agencies and American Express. Nothing has been done about it. I have asked for proof and they have not provided anything to support this account. I am all prepared to file legal action. The amount that they state is owed is less than an attorney will cost. I am filing this complaint because the account is not mine. I have told American Express that if they want me to pay the account than they need to send me an active credit card and put this account in good standings. They have ignored any and all communications that I have had with them over the last several years. Please Help.
Product: Debt collection

XXXX, XX/XX/21, XX/XX/21, XX/XX/21, XXXX company calls from different numbers all rigged to show up as XXXX XXXX on caller IDs. 

During the first call the company XXXX Zwicker and associates ) claimed to be working for XXXX XXXX, and that if I paid my debt it would not be reported to credit agencies as collections. I calledXX/XX/XXXX at this time and was told my debt had already been sold to a third party ( Zwicker ) and that it would/had already been reported to credit agencies. 

This company is putting elaborate efforts to mislead consumers about the state and nature of the debt is owns.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$86000.00}
Product: Debt collection

I received a notification from XXXX XXXX XXXX on a past due XXXX bill from XXXX/XXXX/XXXX I immediately disputed the validity of this debt and they sent me back a copy of a bill dated XXXX/XXXX/XXXX showing a balance. 

This is in no way a validation of the debt as it does not show whether or not the debt was paid or not. 

Further more the company put a collection account against my credit which is currently reporting on my credit file and has been showing an active open collection although this account is and has been in dispute. It is my understanding that this ca n't happen until the debt is proven to be valid. 

I have called them and sent to date 3 different emails to try and resolve this matter with zero response back.
Product: Debt collection

My name was forged on a contract with  XXXX  for a cell phone. I never agree to a two year contract and buy my own phones. A signature on the contract is n't mine. After several conversations locally and with their accounting department over a bill for early termination of {$160.00}. I offered {$50.00} to settle the account. I sent a check which clearly states " Full and final payment '' which they cashed.  XXXX  then sent the account to PiinnacleLLC, a collection agency. They have done nothing to collect the remaining {$110.00} except harass me by reporting me to the  XXXX  major credit bureaus each month fo r three years and three mo nths. The account is no longer collectable, the statute of laminations has expired aft er three yea rs. Please note also in the file I attached  XXXX  other collection agencies plus  Pinnacle  have called me. After each contact I explained to the  XXXX  others they dropped out and the account goes back to Pinnacle. Please look at the contract signatures plus my actual signature as an example.
Product: Consumer Loan

My husband XXXX, sudden departed this life on XXXX XXXX, 2016, He is the primary holder, I am the co-maker on the contract but not on the title. Since his death I have faced a problem with register the car because his name is the only one on the title. Is there something that can be done. My husband 's daughter has opened an estate without contacting the creditor of his death to my understanding. The payments are so far behind because I have lost his income as a result of this sudden death of a XXXX. I want to know if the title being in his name only was an illegal act, and how can the auto financing company give me relief. 
If the estate does not cure his debts and I was a homemaker what will happen to the debts now that my husband is deceased.
Product: Credit reporting or other personal consumer reports

have Hard Inquiries on my credit report that I didn't make. Someone made multiple calls with my information and tried to open these accounts. I contacted ( FTC ) and was redirected to file a complaint through ( CFPB ) on these accounts below listed and I desperately need these removed it's hurting my credit worthiness. I have contacted the creditors explaining the situation with still no resolution resolved. 1. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 10. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The company was investigated by CFPB and was found that the accounts wasn't mine. XXXX sent me a letter XXXX XXXX stating that " ALL '' items listed above would be deleted. It's way over their 60 day mark to delete these items and currently they're still on my credit report violating my rights to obtain credit. I've attached proof from Case # XXXX. Please REMOVE THESE OR I WILL HAVE TO TAKE ACTION under my FCRA rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized accounts and inquiries appearing on my credit report. These fraudulent entries were not authorized by me, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request that these items be blocked and permanently deleted from my credit file.

Below are the details of the fraudulent accounts and inquiries : XXXX Accounts : XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit card

PLEASE REMOVE ALL UNAUTHORIZED HARD INQUIRIES FROM MY CREDIT REPORT WHICH INCLUDES XXXX CARD ON XX/XX/XXXX, XXXX XXXXXXXX ON XX/XX/XXXX AND XXXX ON XX/XX/XXXX. XXXX. 

THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

account # XXXX is a student loan that was opened in 1987 in which I was only XXXX years old and couldnt possibly be mine. I was a XXXX grader in high school. I was born XXXX, this may be the direct result of identity theft
Product: Mortgage

I am on XXXX and get my checks on the XXXX Wednesday of the month. I asked the mortage lender to change my due date from the XXXX to the XXXX and they said they did not have the option and I am paying late charges every month
Product: Credit reporting or other personal consumer reports

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


Account Name : 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 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 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 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: Checking or savings account

On XX/XX/XXXX my firm wrote out a check to a vendor for approximately {$36000.00}. 

On XX/XX/XXXX it was deposited into an account Truist Bank to an individual who was clearly not the payee. 

In XX/XX/XXXX the vendor notified us that their invoice was still open which prompted us to look up the image on our bank website and see that the check was not deposited by the vendor. 

We immediately alerted our bank and filled out the necessary paperwork and provided a police report. 

Our bank sent the paperwork to Truist Bank who has to this day has not responded to our bank. I called Truist 's fraud department and they told me that if we haven't heard back until now then we will never hear back from them. 

We need to recoup our lost funds asap.
Product: Credit reporting or other personal consumer reports

I ask the company Santander account number-XXXX for a investigation on this account to correct anything that is not accurate and the information is still incorrect on one bureau it's reporting XXXX on experian and XXXX on transunion. These both are reporting incorrect. Please hold this company accountable for not reporting 100 % accurate as the law require.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently complained about XXXX reporting to Transunion a bankruptcy on my credit report. XXXX advised to me on XX/XX/XXXX that the bankruptcy was removed from their system and that they stopped reporting to Transunion. On XX/XX/XXXX XXXX advised on their website that they stopped reporting to Transunion in regard to bankruptcies. XXXX responded to me that they have to authenticate my identity when they have already done so and sent me a letter explaining that the information was removed. I have enclosed documents for reference. Transunion needs to delete the bankruptcy off of my credit report.
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX
Product: Credit card or prepaid card

NFCU Charged me interest on my card even if I made more than enough payment. I have an outstanding balance transfer which is up to date and purchased something online less than {$15.00}. Before the due date I made a {$350.00} payment and still charged me interest.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Bank of America, after my previous complaint, once again discriminated against me by refusing to provide me with the information necessary to assist a client who was XXXX, but her BoA account was frozen and she was unable to purchase food. I informed the representative that I was an attorney representing a client. Once again, I was refused assistance via chat, and via email. I was attempting to find out how to submit a power of attorney from my client so that I could determine what was happening with her account, and assist her. I was told that I was " required '' to use a TTY. When I informed the representative that this would be a breach of attorney client privilege as a TTY would force me to disclose confidential client information and PII through a third party, I was told that this was the only accommodation they provided. When I requested chat, email, or fax addresses for their legal department, I was told that information was unavailable. I wasted many hours between chat, emails, and faxes, attempting to resolve the issue for my client who was in a desperate situation. The representative told me that BoA " does not accept '' powers of attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian states on my report that XXXX XXXX is the vendor used to verify public records I have provided a letter from XXXX XXXX stating they notified Experian that no record is on there file on since XXXX I have been disputing this public record being inaccurate
Product: Payday loan

On XXXX XXXX 2016 My Capital One Visa credit card account was charged XXXX by the XXXX XXXX XXXX company located at XXXX XXXX XXXX XXXX XXXX Florida . 
My son used his ( joint ) visa credit card to pay for a cab ride from XXXX to XXXX XXXX XXXX XXXX, a XXXX mile ride. The driver told him he could not print a receipt after he swiped his credit card in their reader machine. 
I alerted Capital One immediately that this charge was fraudulent. They have given me provisional credit twice, and then charged my account back, because the fraudulent party has provided them with a fraudulent receipt. 
I have argued with my credit card company that it is clearly fraud, how could a cab ride cost XXXX? Most likely the short ride cost XXXX. 
They have denied me reimbursement, because the card was swiped which I feel is unfair. They have not protected me from a fraudulent transaction which they claim they offer their customers as a protection benefit. 
Whoever this company is, they do not have any phone numbers, etc. and are most likely preying on students, etc. 

Please let me know if I have any recourse with my credit card company, they have closed my case. 

Capital One case # XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking for experian to remove all accounts on behalf and also {$1000.00} for each violation on my credit report! I was denied a mortgage due to late payments being published on my behalf and also the inaccuracies on my credit report! Experian is furnishing late payments and also accounts that are fradulent! I did not give written consent by law it is illegal! Also XXXX is a debt collector that has no factual info of me opening this account! Experian continues to violate my consumer rights! Also they have several addresses I asked for them to remove that they did not remove.
Product: Credit reporting or other personal consumer reports

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

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

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

This account was opened on the following date XX/XX/XXXX, and showing opened on XX/XX/XXXX on Experian reporting as of XX/XX/XXXX. The last payment was not made on XX/XX/XXXX and is 30 days past due from XX/XX/XXXX reporting late every month from XXXX until XX/XX/XXXX. This is very inaccurate payment history reporting. I should have an active payment history from XXXX. Experian, XXXX, and XXXX report different Account names as third parties XXXX XXXX XXXX XXXX This erroneous information falsely manipulates my creditworthiness and has destroyed my ability to obtain credit. Experian failed to investigate the account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding the deletion of the following account : XXXX Account number : XXXX.
Product: Credit reporting or other personal consumer reports

I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's report.
Product: Debt collection

I cancelled my lease a little after my signed agreement and they contuined to bill me after I left and signed a new lease elsewhere
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX numerous times since I was made aware about fraudulent accounts on my credit report but the company continues to report fraudulent accounts. I have sumitted an FTC Identity Theft Affadavit for these accounts but accounts still are reporting. These accounts need to be removed! 

1 ) Bank of America 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX