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

I've contacted the 3 major credit bureaus on several occasions informing them that the personal information that they are reported on my credit report is incorrect and inaccurate. I have yet to receive any response or see any change and/or update to my credit file
Product: Checking or savings account

I was robbed and they used my cards they also have my identity and social and dob so I want to alert people if they try to take out any loans or use more money
Product: Debt collection

I am totally getting tired of the lies and this premature back and forth. You are responding to a federal institution, the CFPB, making absolutely false statements without providing any documents to back your fraudulent claims. 
Attached is a document that showed that the last time I did any business with CashNet was back in XXXX. Unless you can provide a contractual agreement SIGNED by me on XX/XX/XXXX, you are knowingly providing false statement to the CFPB. You are also, perhaps, knowingly re-aging an account and must I remind you that is illegal and against federal law. 
In response to complaint number XXXX, you claimed that you made no communication attempts regarding this account since XX/XX/XXXX. That too is a lie and attached is a document that proves otherwise. Contacting me during the validation phase of an allege account was illegal and showcases your total disregard of the law. 
Hence, since you have chosen to engage in illegal business practices and making false statements to the CFPB, I am bringing it to your attention that all of our communications and documents I have will be forwarded to the FTC and the office of the Attorney General of Missouri.
Product: Credit reporting, credit repair services, or other personal consumer reports

We submitted the document to the courts and institutions but they did not remove the bankruptcy.
Product: Credit reporting or other personal consumer reports

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note that I am the only natural person writing this statement with the help of NO 3rd party. I never gave these company any written consent to report anything on consumer report. Please see attached documentation.
Product: Credit card or prepaid card

I have a had a cash app account prepaid and somehow a person added themselves to my account that I do not know transactions were made that I did not approve and cash app closed my account after me asking them about whomever it was it was added to my account and now they are saying I'm disputing the charges and taking money out of people 's accounts that I sent it to I tried resolving the problem with cash app because it was unauthorized activity on my card as well as unauthorized people on my account that I do not know and furthermore I'm having to deal with family members and whatnot who I paid or loan money to where I owed money for babysitting too having money taken directly out of their account that I sent them and I don't know how that's even possibly legal.
Product: Credit card or prepaid card

Citi announced a new policy that : Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : ( 1 ) they dont sell firearms to someone who hasnt passed a background check, ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and ( 3 ) they dont sell bump stocks or high-capacity magazines. This policy will apply across the firm, including to small business, commercial and institutional clients, as well as credit card partners, whether co-brand or private label. It doesn't impact the ability of consumers to use their Citi cards at merchants of their choice. 

This new policy violates many American 's constitutional rights to purchase firearms and other legal firearm accessories.
Product: Credit card or prepaid card

This company will not process my payments. I have a new bank account at XXXX XXXX ending in XXXX. I have added this bank account into their system numerous times. I no longer have account ending in XXXX. I set up for minimum payment to process and found on XX/XX/XXXX that my payment never processed. I put in to make the minimum again and also just decided to pay the account off. Payments never processed, it was as if it never happened. Anything relating to my new bank account ending in XXXX will not post to my account and they keep acting as if it never happened. 

The account is so far past due now I'm sure it has gone on my credit report, it is over 30 days past due. I have over {$16000.00} in the bank. The money is there. The money has been there. I see on Care Credit website my 2nd attempt to pay the account off on XX/XX/XXXX says REJECTED. The bank account and routing number is correct. I use dual monitors and copied it off XXXX XXXX website number by number carefully. The money is there. I am attaching my bank statement here for proof. 

I think Synchrony is just trying to ruin my credit so they can up my interest rates and also extort late fees from me. I am good for this money but they currently have the account in COLLECTIONS. I have the money, I am trying to pay the money, they won't take my payment. Then it's fees and bad remarks on my credit. Someone needs to stop this and make them take my payment. I don't like having to pay these fees for something beyond my control. I don't like having my credit ruined and being put in collections when I have the money and want the account paid off. I have been a good customer for years.
Product: Consumer Loan

Security national repoed my car when we had automatic payments saying we were 2 months behind and were not. They say we owe XXXX online, XXXX on the paper they sent us and 500 and something on the phone when they call. We only are past due XXXX dollars. They have the due date wrong in their system and whenever we fax the paperwork to have them change it they loose it each time and wont change it to the correct one. They are now telling us we are 3 payments behind and we are not. Im so tired of this company.
Product: Payday loan, title loan, or personal loan

The personal loan was applied for without my consent. 
ONE MAIN FINANCIAL XX/XX/2022 Please remove this inquiry as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to sign into Experian to view credit report. They have an incorrect email on file so anything I do is sent to this email which isn't mine. I have no access. I do NOT have an email that ends with XXXX.
Product: Credit card

I am disputing the collection account with XXXXXXXX XXXX account number XXXX, dated XX/XX/year>, with a balance of {$10000.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXXXXXX XXXXO provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
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 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: Credit card or prepaid card

I have amex card since XXXX not one late payment not one over balance charge. I paid balance down XX/XX/XXXX for {$200.00}, XX/XX/XXXX for XXXX, XX/XX/XXXX for {$670.00} and XX/XX/XXXX for XXXX and I have brought my credit score up from the XXXX to XXXX since XXXX. But now AMEX lowers my available credit by over XXXX after I worked so hard to bring balance down and all my scores have been increasing. This in turns hurts my credit score as it affects available balances. I was told if I make another {$600.00} payment that my limit will go back up so On XX/XX/XXXX I made a payment of {$700.00}. What a way to take advantage of what is going on in world today and what a way to treat a client that has never been late and had just paid off huge chunk of credit. 

This is so wrong yes let us ruin peoples credit oh look they just paid off their balance so we going to lower their credit limit and hurt their credit score. Yep that is a way to do business. 

I am requesting that my limit be restored as they state it would by making me pay an additional {$700.00} after all the other payments.
Product: Consumer Loan

I would like to be included in the CFPB 's case against Western Sky and Delbert Services Crop. I had taken out an online loan initially with Western Sky and then it changed to Delbert Services. I live in Arkansas and see that there are laws that restrict the interest rate at a certain percent. I am referring to this case :1UNITED STATES DISTRICT COURTDISTRICT OF MASSACHUSETTSConsumer Financial Protection Bureau , Plaintiff, v. No. XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, DelbertServices Corporation , and XXXX XXXX XXXX , Defendants. 
FIRST AMENDED COMPLAINTIntroduction The Consumer Financial Protection Bureau brings this action againstDefendants XXXX, XXXX, XXXX XXXX, XXXX, Delbert Services Corporation, and XXXX 
XXXX XXXX under the Consumer Financial Protection Act of 2010 ( CFPA ) ,12 U.S.C. 5531 ( a ), 5536 ( a ), 5564 ( a ). Defendants purchased, serviced, and collectedconsumer-installment loans that state lawsrendered void or limited the consumer'sobligation to repay. As a result, Defendants took money from consumers that thoseconsumers did not owe and typically could ill-afford to lose. 
Case XXXX XXXX XXXX XXXX XXXX feel that i was taken advantage of and overpaid on a loan that was supposed to be {$1500.00}. I only received {$1000.00} ( after a {$500.00} fee ) and had to pay them {$190.00} a month for two years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Dispute of Fraudulent Accounts Due to Identity Theft To Whom It May Concern : I am writing to dispute several accounts on my credit report that were opened fraudulently due to identity theft. These accounts do not belong to me, and I request their removal under the Fair Credit Reporting Act ( FCRA ). 

The fraudulent accounts are as follows : 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 XXXXI have enclosed the following documents to support my claim : A copy of my FTC Identity Theft Report A copy of my police report A copy of my ID and proof of address Please investigate these accounts and remove them from my credit file immediately. I also request that a fraud alert be placed on my credit report to prevent future unauthorized activity. 

Thank you for your prompt attention to this matter. Please contact me at XXXX Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

My account has been unlawfully restricted. I tried multiple times to get this matter resolved and I have been unsuccessful in doing so. I've done everything required including provide all the proper documentation and I have not received an explanation or anything stating when my funds will be released. This is unlawful and illegal.
Product: Credit reporting or other personal consumer reports

I have noticed inaccuracies on my report. I have made these inaccuracies known to Experian. Nothing has been corrected and Experian has claimed to have investigated and verified the accuracy of the information. I have filed complaint # XXXX with the CFPB on XX/XX/2023 which Experian has ignored for almost 2 months. The accounts on my report are incorrect and are adversely affecting my livelihood and have caused me severe damages. XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Experian has been intentionally allowing this harm to come to my name by giving me false statements of verification and reinvestigation when the information was never validated and has been reporting misleading and false information since Experian has allowed such to exist on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 I MADE AN ATTEMPT TO CONTACT WEST LAKE FINANCIAL SERVICES REGARDING AN ACTION TAKEN ON AN ACCOUNT. IT IS TO MY KNOWLEDGE I WAS NEVER NOTIFIED ABOUT THE INVESTIGATION AND I AM A CO-SIGNER ON THE ACCOUNT. WHILE TRYING TO GET INFORMATION REGARDING THE INVESTIGATION I WAS ASKED PERSONAL QUESTIONS OVER THE PHONE SUCH AS MY LAST FOUR NUMBERS OF MY SOCIAL SECURITY AND MY DATE OF BIRTH. I FELT VERY UNCOMFORTABLE IN ANSWERING THOSE QUESTIONS SINCE I WAS NOT FACE TO FACE OF THE PERSON ASKING THE QUESTIONS. THE FIRST PERSON I SPOKE WITH WAS XXXX WITH THE CUSTOMER SERVICE DEPARTMENT. I ASKED TO FURTHER SPEAK TO A MANAGER IN THE WEST LAKE FINANCIAL SERVICES DEPARTMENT AND SHE CONNECT ME TO A SUPPORT PERSONNEL MANAGER NAMED XXXX XXXX. THIS LADY WAS A REAL TRIP. MY CREDIT REPORT HAS THESES PEOPLE NAME LISTED WITH ME BEING RESPONSIBLE FOR PAYMENT IF THE PERSON THAT PURCHASED THE VEHICLE DO NOT PAY, BUT DID NOT WANT TO DISCUSS WITH ME ANY INFORMATION UNLESS I GAVE MY PERSONAL INFORMATION OVER THE PHONE. JUST EARLIER THIS MONTH WEST LAKE SENT  DOCUMENTS TO MU EMAIL ADDRESS FOR MY SIGNATURE ELECTRONICALLY WITH ASKING ME FOR PERSONAL INFORMATION. WEST LAKE HAS IN THE PAST NOTIFIED ME OF THE ACCOUNT BEING LATE, BY US MAIL, BUT STATED THEY NEEDED MY PERSONAL  INFORMATION. WHEN USING POSTAL MAIL ANYONE CAN OBTAIN THE MAIL AND GET A PERSON PERSONAL INFORMATION. SINCE THE US POSTAL SERVICE IS CHEAP, WEST LAKE DON'T SEE THAT AS A POTENTIAL THREAT. I WAS NEVER NOTIFIED ABOUT SERIOUS ACTION BEING TAKEN AGAINST THE ACCOUNT, BUT WOULD MAKE ME A VICTIM BY PLACING A NEGATIVE MARK ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I am writing to seek assistance from you regarding the removal of inaccurate and negative items from my credit report. Despite making this attempts to resolve these issues directly with the credit bureaus and creditors, I have been unsuccessful in removing the following items : I have disputed these items multiple times with the credit bureaus ( XXXX, XXXX, and TransUnion ) and have contacted the respective creditors directly. Despite providing supporting documentation and evidence that these entries are inaccurate, my disputes have not resulted in the removal of these accounts from my credit report. 

The continued presence of these negative items on my credit report is causing significant financial harm and affecting my ability to secure credit and improve my financial situation. I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, and I am seeking for your assistance in resolving this matter. Thease accounts should be promptly remove immediately : XXXX. XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 

XXXX. XXXX XXXXXXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX. XXXXXXXX XXXX XXXXXXXX Balance Owed : {$750.00} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX. XXXX XXXX Balance Owed : {$140.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX XXXX XXXX XXXXXXXX Balance Owed : {$400.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} - This particular account is undoubtedly placed as a charge-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off. The balance is truly incorrect, if possible, replace it with XXXX or eliminate the item certainly.
Product: Checking or savings account

Made a payment with webpay through XXXX XXXX. Fiserv  sent the money to an account at XXXX  XXXX XXXX which is not my account. {$1400.00} needs to be returned to my XXXX XXXX checking account. 

Electronic Trace Number XXXX File Trace Number XXXX Pay to XXXX at XXXX Payment Date XX/XX/XXXX Payment Amount {$1400.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Payee Bank Account Number XXXX which is not mine I have been trying to retrieve these funds since XXXX of XXXX with hours of phone conversations and personal interviews with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and FiServ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On viewing my credit report, discovered I had 3 hard inquiries from Bank of America, XXXX XXXX and XXXX XXXX XXXX I never authorized.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 

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

Grant Mercantile Age Opened XX/XX/2015 - {$350.00} Original creditor : XXXX  XXXX XXXX XXXX THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.
Product: Credit card or prepaid card

I have been steadily and on time, paying down my balance when I was suddenly hit with an interest charge of {$780.00} on XX/XX/2019. This on a balance of {$1400.00}. 
Up until this month, XX/XX/2019, my previous monthly interest charges would range in the $ 20- {$30.00} range.I scarcely use the card in the last 12 months and have committed to paying it completely off and closing the account. 
In addition to the additional {$780.00} fee, my balance has now been pushed over my assigned limit, so yet another fee of an " over limit '' charge of {$35.00} was added to my 'debt '. Coincidentally I'm sure, I am unable to download to file or even view these insane finance charges per usual with the easy to read pdf format, as I have always been able to do up until to this charge had been added. I have a paperless account. 
I have called their customer service and spoken with a representative " XXXX '', who stated the charges are accurate and will stay. So I must pay the amount or suffer the consequences. Please help me! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXXXXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they could not verify that the information was being reported. 
I request that you initiate n reinvestigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

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

On XXXX XXXX, XXXX, after the Equifax breach, I checked the site that Equifax had put up to see if I was affected. According to Equifax I was affected and my sensitive information, such as my XXXX, was released publicly. There are, however, reports that Equifax 's results on whether an individual was affected are randomized ; so I 'm not even entirely sure if my information was released. I am taking precaution to protect myself from fraud and I decided to make this complaint, because Equifax themselves tell me they let my information be breached but even if that was just a randomized result, then there is an entirely different issue at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of equifax hack. Sign up for Trusted Id identity theft protection. 3 days ago I received an alert that there was some suspicious activity and that I need to contact them. I have tried repeatedly over the last few days to contact them via phone and the line has been busy so I could n't get through. Their website has also been down during this 3 day period