23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I noticed several accounts in my credit profile that i didn't apply for, and don't relate to any transactions i've made. They were opened without my consent. 
For example : XXXX Account number : XXXXXXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ; XXXX  XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$4400.00} ; XXXX XXXX XXXXXX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts and have no knowledge of their origins. Per USC 1681g, I formally request their removal within 15 days. Attached are the relevant documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  score dropped 19 points in one day from XXXX to XXXX after getting on negative removed. This is such a fraudulent game they play my score has never gone above XXXX  ever its ridiculous to be penalized for removimg and disputing. So sick of this game the agencies play with scores and not actually investigating and showing proof of the investigation. They do not care and I am in credit purgatory and will never be able to buy a home for my XXXX child. Its like I am pinned to never get to be able to.buy anything to improve my life I feel like my credit is kept low and its games these companies play with peoples lives. Remove the duplicate and inaccurate accounts asap and put my score back up 19 points in one day for no reason. None.
Product: Credit reporting or other personal consumer reports

I dont know exactly how it happened, but I tried to open a checking account and the bank on XX/XX/year> and told me that there were multiple consumers associated with my social I did a complaint to Experian , XXXX  , XXXX
Product: Credit card or prepaid card

The comenity website is currently down, every time I tried to log in to submit my payments, its says theres a glitch and could not log me in. This has happened on both of my credit cards from Comenity, my XXXX and XXXX XXXX cards
Product: Credit reporting or other personal consumer reports

I review my consumer report and noticed that I had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that theses payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

I received a notice today XXXX/XXXX/XXXX from my employer that my wages were to be garnished XXXX. After reviewing the documentation provided from my employer I realized I have never heard of this debt. This is supposedly from a judgement received in XXXX of XXXX in XXXX TN. I currently live in NC and have had no knowledge of any judgments against me. I called the plaintiff listed XXXX XXXX XXXX and the representative there had no information for me only gave me another number to call XXXX. After calling that number I see it is for an attorneys office XXXX XXXX XXXX, Hosto & Buchan Pllc. THe representative there was very rude and even after i told her this was not my debt told me i was pass the disputing period. how would I know to dispute something I have never had any information on. I was advised this is from a credit card issued by XXXX XXXX. I have never heard of this company and have never been contacted by them or any collection agengy. I was not given to opportunity to validate this debt.
Product: Credit card or prepaid card

I was unable to list my po box on the original application. I chatted in the rep sent me a secure link to which I uploaded proof of my po box . I chatted back in as my address was not updated. The rep advised they would update my address. The rep updated the address not related to me. I chatted back in and was told to contact support. I spoke with a supervisor who stated they could not rectify the representatives mistake. They advised me to send an email with the same docs that were already uploaded. I sent the email they stated they could not assist. I feel as though my privacy and information is at risk as I am not aware of the address that is listed on my account now.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DEPARTMENT OF EDUCATION KEEPS ASKING XXXX, EQUIFAX, AND XXXX  FOR MY CREDIT SCORE AND THE DEPARTMENT OF EDUCATION, ACCORDING TO XXXX UNIVERSITY, IS TELLING THEM THEY ARE BEING DENIED MY SCORE WHEN THEY INQUIRE ... AND ARE BEING TOLD THAT I HAVE A CREDIT FREEZE, WHEN IN FACT I DO NOT, HAVE A CREDIT FREEZE. THEY ARE ILLEGALLY DENYING MY SCORE TO THE DEPARTMENT OF EDUCATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my wife flied for Chapter XXXX Bankruptcy and we where Discharged recently. I send a copy of the US Federal Bankruptcy documents and copies of our drivers license to Experian asking them to update our credit files and also send us a copy of our update credit files, they refuse to send them. We have received our copies from XXXX with out problem, but Experian is playing a run around game, I am asking your agncy to investigate this and have Experian do what we asked in the letter submitted to them in July 2019. My wifes last 4 of her social is XXXX  her date of birth is XX/XX/XXXX her name is below and included in this complaint. Thank YouXXXX XXXXandXXXX XXXX XXXX XXXX
Product: Mortgage

Demand the refund in the amount of {$780.00} for the " appraisal fee review '' that charged us in advance ( even before they order the appraisal report from the third party ) from Citizen Business Bank, XXXX  CA branch. 
Due to Citizen Business Bank 's deceptive and unfair lending practice, we forced ourselves to find another Bank to complete our loan refinancing process. The appraisal report ( we paid for more than {$3500.00} ) had been transferred to other Bank whom only charged us ( appraisal review fee of {$700.00} ) at the loan escrow closing date ( not in advance ).

In fact, Citizen Business Bank did do anything after receiving our appraisal report from 3rd party except demanding us to pay more than XXXX for other reports that no other Banks, that we contact, required for our loan refinancing process. They said they could not process our loan refinance until we send the above fund ( more than XXXX ) which we disagreed. These local ( XXXX, CA ) XXXX suggested that if we do not want to send them additional fee as requested, we could find another XXXX, which we did and were able to complete our loan refinance. This shows the fact that they have never attempted to process our loan before receiving the additional fund from us. Therefore, Citizen business bank has no reason to keep our " appraisal review fee '' They must refund us immediately.

There are so may bad reviews and complaints about this Bank since they took over XXXXXXXX XXXX ( our original Bank that we had the loans with ). Please review. 
By contacting other Banks, we found out that we are victims of Citizen Business Bank 's deceptive and unfair practice lending. They charged customers as much as they can, their statement : " this is Federal 's regulation ''. This Bank must be investigated thoroughly by Federal.
Product: Checking or savings account

Wells fargo blocked a transfer I made on XX/XX/17 for XXXX without informing me. My trust account was removed. I was told to add I again, what difference will I make. I need to prevent these things from happening
Product: Debt collection

Hello, This is a formal complaint against Grant and Weber. The debt collection of {$530.00} has been attempted to be collected on multiple occasions even after the request to stop. I have called every month on the 1st for the past 6 months to ask to please stop calling other people around me. I have recently been denied a job opportunity during this extremely hard time during a pandemic due to the negative collection amount from this debt collector. I have gotten word from relatives and other co workers that Grant and Weber has continued to get information from a third party for me to pay the debt. Violating their privacy and others. Under the Hippa law protection, Grant and Weber has violated the terms of this law in trying to collect a debt and providing information that has not been authorized by me. I have been denied a position to survive in these troubling times. At this point I have contacted a lawyer and we are prepared to sue for defamation of character and for punitive damages. Grant and Weber has violated laws in trying to collect a debt. They have broken the rules when trying to collect a debt.
Product: Mortgage

My mortgage was sold to BSI Financial ( aka Servis One ) in XXXX 2015. Since then I have asked for XXXX modifications and was denied. Now they have stopped paying my homeowner 's insurance and taxes and have significantly increased the reported balance of my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that have been open/closed repeatedly on my report from XXXX XXXX, there has never been a lapse in account that I have had with them. 

There is a XXXX account that has been opened up fraudulently in my name. I have sent in a dispute througXXXX XXXX XXXX and they have refused to acknowledge the frauds behind it. Below are the dates for the accounts mentioned above. 

XXXX Department Store : XX/XX/XXXX This account above was the one that was opened fraudulently. 




XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX The account above is still open but it has been placed on my credit report three times.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to have an incorrectly reported late payment removed from my credit history. The creditor, XXXX XXXX, states they have attempted to remove it and are unsure why it is still appearing on my reports. 
The following is a summary of events for the account in question : XX/XX/XXXX : 39 month lease signed XX/XX/XXXX XX/XX/XXXX : Payments made on time using autopay XX/XX/XXXX : Called XXXX XXXX and explained I purchased a new truck and would like to pay off and turn in the lease early, they walked me through it online, the remaining payments to the end of the 39 month lease were paid in full and the truck was turned in to the local XXXX dealer, XXXX XXXX. 
XXXX XX/XX/XXXX : I received a credit alert stating my score had dropped. Upon investigation it was the XXXX lease stating I was over 30 days late. I could not call because they were closed on weekends. 
XXXX XX/XX/XXXX : I called XXXX XXXX and they stated I had never turned in my truck, therefore I was still being charged. I explained the truck was turned in last XXXX, they requested that XXXX XXXX, the dealership, send them proof of the turn-in. XXXX XXXX faxed copies of the turn-in to XXXX XXXX the same day. I called XXXX XXXX back and they stated the documents were received and that they would request a correction to my credit history to the reporting bureaus but that it may take a few weeks to correct. 
Early XX/XX/XXXX : Credit reports still show a late payment on my credit history. I called XXXX XXXX back and they stated they would again request a correction to my credit history. 
XXXX XX/XX/XXXX : Credit reports still show late payment on my credit history. I again called XXXX XXXX. The representative stated she would send me a letter showing my account was closed in good standing and with a perfect payment history that I could send to the credit reporting bureaus to have my credit history restored. 
Supporting documentation from XXXX XXXX is attached where they state my account had zero late payments. Additional documentation is also attached from XXXX XXXX, the XXXX dealer I turned my truck into showing I turned it in in XX/XX/XXXX. 

Thank you for the help,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter requesting for validation of alleged debt from XXXX XXXX account numbers : XXXX and XXXX. I received the letter today XX/XX/2022 from XXXX XXXX dated XX/XX/2022 and failed to send me a proper validation and did not send me a what i asked for. and while i request to cease any collection reporting till the matter is resolve, they continued to report and that is violation according FCRA. i attached the copy of their response and the letter i sent to them and to the credit bureaus. 
USPS certified tracking : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # 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, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$21000.00} CHAPTERXXXXBANKRUPTCYDISSED
Product: Checking or savings account

I have banked with Chase bank since my accounts were with Washington Mutual and when I went to check the activity on these accounts on XX/XX/18, I had to call in to get a restriction taken off. I was informed that my accounts had been shut down and that Chase no longer wanted me as a client. I have never been over drawn in any of my 3 accounts ( 1 checking, 2 savings ) and never received a warning of any kind that there was an issue. I also have 2 college savings accounts set up through Chase along with 3 credit cards with Visa that I now no longer have access to check activity to. I was not given a reason for the cancellation and I am now very concerned that I may have had my identity stolen. I have since closed those checking and savings accounts and opened new ones so I am not necessarily looking for reinstatement, just some more information or at least why I was never given any notification about the closures. I would also like to have online access to my credit card accounts reinstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence XXXX  provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment with XXXX lack of response regarding the removal of inquiries from my credit report. On XX/XX/year>, I submitted a formal request to have certain inquiries removed from my credit history. Despite following the proper channels and providing all necessary documentation, I have not received any substantive communication from Equifax.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate late payment reporting on my credit report for the above-referenced account. After reviewing my credit report, I identified a 30-day late payment erroneously reported for XX/XX/XXXX on my XXXX XXXX XXXXccount. This late payment is inaccurate, as I have always made timely payments on this account. 
Account Details Account Number : XXXX High Balance : {$32000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Closed Account Description : Joint account Dispute Status : Account not disputed Creditor Type : Finance, personal Account Status : Closed Payment Status : 30 days past due Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : 75 months Past Due Amount : {$0.00} Account Type : Installment account Payment Frequency : Monthly Credit Limit : {$0.00} Discrepancies in Payment History According to the TransUnion-reported payment history, a 30-day late payment is listed for XX/XX/XXXX. This late payment is inaccurate, as my payment records indicate that all payments were made on time. 

Reference to Fair Credit Reporting Act ( FCRA ) Violations Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure the information they report is accurate and verifiable. Specifically : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : My consumer report should not contain inaccurate or unverifiable information related to transactions or experiences between me and the creditor.

15 USC 1666 ( b ) : Creditors must adopt reasonable procedures to ensure timely mailing of statements and accurate reporting of payments.

15 USC 1637 ( b ) : All periodic statements must contain complete and accurate information about payment due dates and amounts. 
Requested Action I kindly request that TransUnion : Conduct a thorough investigation into the accuracy of the reported late payment.

Provide a detailed description of the investigation process per 15 USC 1681i ( a ) ( XXXX ). 
Update the payment status for XX/XX/XXXX to reflect " Paid As Agreed, Never Late. '' If you are unable to provide verifiable proof of the late payment, correct the reporting immediately to align with my accurate payment history. 
Supporting Evidence I have attached the following documents to support my dispute : A copy of my credit report highlighting the inaccurate entry. 
Personal identification documents for verification purposes. 

Response Timeline Under the FCRA, you are required to complete your investigation and provide a written response within 30 days from the receipt of this dispute. If you can not verify the accuracy of the reported late payment, I expect it to be corrected promptly. 
Thank you for your prompt attention to this matter. I look forward to your resolution and response within the time frame required by law. 

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

XXXX XXXX Balance Owed : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance Owed : {$340.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

US DEPT ED XXXX Balance Owed : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX  XXXX Balance Owed : {$480.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.
Product: Credit card or prepaid card

on XX/XX/XXXX we disputed the following XXXX charges : XX/XX/23 XXXX XXXX {$210.00} XX/XX/23 XXXX XXXX {$320.00} XX/XX/23 XXXX XXXX {$300.00} XX/XX/23 XXXX XXXX {$110.00} XX/XX/23 XXXX XXXX {$280.00} XX/XX/23 XXXX XXXX {$210.00} XX/XX/23 XXXX XXXX {$110.00} XX/XX/23 XXXX XXXX {$130.00} Credit Card company investigated and determined the charges were valid. 
on XX/XX/XXXX and XXXX we disputed the charges again. 
Credit card company investigated and determined the charges were valid. 
We disputed again and were denied again. 
We contacted our local police department and filed a report. We faxed the police report to credit card company on XX/XX/XXXX. 
we conducted our own investigation and received receipts from the hotels and the name of the passenger. we forwarded those receipts to the detective assigned to our case. in addition, we faxed the receipts to the credit card company. The detective assigned to our case called the hotels and found out who checked in. 
I am attaching everything we received from our own investigation and what the detective discovered.
Product: Vehicle loan or lease

I purchase a car through them and I payed it off early and I dont feel as though they deducted the financing charges for paying off early.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and Experian via phone, online, and by certified letters on many occasions in regards to the bankruptcy, the late reports from XXXX XXXXXXXX, XXXX and XXXX. I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the inaccurate listing on my credit report. This listing is making it impossible for me to build an excellent credit history because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with disputed them multiple times and nothing is being done. 

Also it should be noted that I filed a FTC complaint since my identity was stolen and my credit was checked without my permission last year. A fraud alert was placed on my account and XXXX XXXX XXXX was able to pull my credit report from XXXX on XX/XX/XXXX18 and nobody called to confirm if I was opening up a new account.