23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have no knowledge of several account on my credit report listed as XXXX. The account numbers are listed as XXXX, XXXX, and XXXX. I requested information on account ownership from both the credit bureaus directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it. I need a signed loan contract or agreement showing I own these accounts.
Product: Money transfer, virtual currency, or money service

PNC COMPLAINT LOST WIRE TRANSFER TO XXXX XXXX  {$53000.00} Thank you in advance for your assistance to resolve a lost international wire transaction. The wire was initiated by our PNC Local Branch Office. The date of the wire was XX/XX/2023 in the amount of {$53000.00}. 

The wire used Intermediary XXXX and XXXX XXXX in the XXXX. The funds are from donors for the benefit of church ministries organized in the XXXX. 

There is no dispute by PNC and XXXX that the funds were wired. However, XXXX and our XXXX XXXX  office claim that the funds have not yet been received. XXXX XXXXXXXX has requested a Swift Document to aid their search. To date, the Swift Document has not been generated by PNC in their work with XXXX.
Product: Debt collection

I was contacted on XX/XX/2020 by Allied Collection Services Inc. of Nevada about a XXXX dollar debt owed to XXXX. I have never been a XXXX customer. Their number given to resolve this issue did nothing but try to pry more personal information out of me. I signed up for XXXX immediately after to monitor both this company and the possibility of identity theft. It's great I did because ACSI put this on my credit report on XX/XX/2020 despite the fact that it still isn't my debt. Also, they reported the debt being from XXXX of 2020, which is simply way too soon to put a XXXX dollar debt onto a credit report, even if it was my debt, which, to reiterate, it isn't! 
According to other reports, I'm not the first person they've done this to. They don't even bother to change the fake representing company ( XXXX XXXX. This company, if it's truly making up these debts, needs to have its doors shut. If it's just an unfortunate coincidence brought about by identity theft, their practices are still awful and must be monitored more closely.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
My credit report includes the following erroneous information that needs to be investigated and removed : 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 reporting, credit repair services, 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. 


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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been told my inquiry and all but one of my accounts were going removed due the branch and hacking there were unauthorized inquiry on my credit file.And old account they were not mine.I called three times spoke with someone they we delete them .They did but returned back a week later.They are adding address and names to account.I have fraud alert on my account in hopes the removed the inquiry and accounts and they said they would.I am so scared about my personal information and wish they will remove the inquiry and all disputes I have seen in to their company.I was told three times  and giving a confirmation that they will remove them.I did not get a letter stating why they keep adding and removing accounts and playing them back due the hack they are really tripping weekly.Please help resolve this .I didnt do any of them inquiry on my credit file and would like them removed
Product: Vehicle loan or lease

My report is showing late payments for XXXX, XXXX and XX/XX/2019.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX Account XXXX : XXXX Kindly correct/update this inaccurate information on my credit report. 

I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. 

Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress. 

I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( 1 ) and ( 2 ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. 

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXX 's XXXX XXXX, XXXX XXXX, XXXX, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates.

Please immediately correct/remove incorrect name ( no middle initial ) Correct name incorrect also known as - please remove all incorrect Former - remove all incorrect previous address - remove all Non-Mailable addresses incorrect previous addresses- remove all Non-Mailable addresses remove all Nonpublic Previous employers incorrect non-matching account # incorrect non-matching date opened incorrect non-matching high credit incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit monitoring company which was given to me free of charge due a data breach has been trying to sell me a way to boost my credit score by lowering my current score when I use my credit card. 

What happens I have a cash back credit card that pays me to use it, but the kicker is I never carry a balance I pay it off every month when the bill comes due. I have been able to get over thousands of dollars as cash back and never paid an ounce of interest, I have been using their money keeping my debt low being retired. 

I have tried to get them to respond, and they won't budge, they take away points and the next month it shows no balance but only return half of the points but will give me the rest only if I buy their boost program. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX they purposely are targeting me and discriminating.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my Experian, XXXX, and XXXX credit reports on XX/XX/2023, and noticed I have several hard inquiries that I did not authorize. I contacted the bureaus and was told to send a letter in writing, which I did, but the inquiries have yet to be removed.
Product: Credit card

I am writing to file a complaint regarding the XXXX credit card issued by Capital One. The card was advertised with a benefit of earning 10 % back in rewards for the first 30 days on purchases at XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, and affiliated brands, followed by 5 % back thereafter. This benefit was a key factor in my decision to apply for and use the card. 

After opening the card ( around XX/XX/year> ), I made XXXX purchases at XXXX XXXX XXXX of activating the card. XXXX of these purchases ( XX/XX/XXXX ) was credited correctly ; however, the larger purchase, totaling {$2500.00} ( bought on XX/XX/XXXX and received on XX/XX/XXXX ), was not credited. According to the terms, credits are supposed to be granted within 30 days of receiving the merchandise. It has now been almost XXXX weeks past this deadline, and I still have not received the {$250.00} in merchandise certificates that I am due. 

I have contacted customer service at both XXXX and Capital One more than half a dozen times, including once during a conference call with representatives from both companies. Despite spending significant timeover an hour in totalon these calls, I have been unable to resolve the issue. The calls, which were recorded by Capital One, should be available for review. During these interactions, customer service representatives acknowledged that I am owed {$250.00} in merchandise certificates, yet I continue to be bounced back and forth between XXXX and Capital One, with each claiming the other is responsible for and will address the problem. 

While I am certainly frustrated by the time and effort I have spent trying to resolve this matter, my primary motivation in filing this complaint is not simply to recover my own losses. Rather, I am deeply concerned that other consumers, perhaps less experienced with navigating customer service or less familiar with their rights, could be similarly misled and taken advantage of. It is my hope that by bringing this issue to your attention, the CFPB can take steps to ensure that Capital One and XXXX do not continue these practices, and that consumers are treated fairly and transparently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be deleted. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : 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

i ordered a secured credit card from first progress ( XXXX ) by depositing $ XXXX/-The card was issued but no bills were sent for the fees. I came to know of the fees only from my credit report as the credit card company reported for late payment. i sent a check to them as their website do not work most of the time. i was paying under protest but they never encashed the check. 
so that i can call them and they can charge extra. in the end i ended up paying for fees/late charges and XXXX negative on my credit reports without ever having used the card. 
till date have paid more than {$100.00} in fees. the purpose to build the credit failed as they are totally un cooperative. 
i recently learnt it is illegal to charge late fees and report me to credit reporting agency as per fcra rules for fees. 
there is something wrong in not using a credit card and have to suffer late fees and have my credit ruined at the same time.
Product: Credit reporting or other personal consumer reports

In my consumer FICO credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consists of XXXX XXXX XXXX # XXXX {$940.00} opened on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$660.00} Opened on XXXX, XXXX XXXX XXXX XXXX XXXX {$360.00} opened on XXXX, XXXX XXXX XXXX XXXX  {$4600.00} opened on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00} opened on XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2700.00} opened on XXXX,, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} opened on XXXX XXXX XXXX XXXX {$1200.00} opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$36000.00} opened on XXXX .Those accounts have had fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item 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. Someone opened these accounts in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the, and XXXX XXXX  XXXX XXXX , 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. This fraudulent, inaccurate, and false information consists of several accounts damaging my life and appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts and collections, and appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity thief and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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 request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion, XXXX, XXXX XXXX XXXX XXXX  block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and XXXX along with Experian refused to investigate my identity theft claim. I sent in my police report and personal identification information and they did not investigate, my credit reports are totally incorrect and all items are wrong. My home was burglarized when I went into the hospital battling XXXX  I am now A XXXX survivor the credit reporting agencies refuse to remove these fraudulent accounts. Please help me and my family.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I called company and requested due date to be moved. It went from the XXXX of the month to the XXXX. 
Loan account had Autopay and XXXX XXXX XXXX it and I was told to make manual payment and later turn Autopay back on. 
I made a payment on XX/XX/XXXX directly online. Then on XX/XX/XXXX, the company took an Autopay payment in spite of it being turned off. 
I called company and questioned why this was done. I was told they were unable to provide any information on my account because it was locked. I was unable to speak to a Supervisor and get any support. 
Company claims it can take up to XXXX XXXX  to resolve the problem. They claim there is no Customer Service # to call the Corporate office. 
Now I have other loans with same company and I have done business with them over the years. I never had any issues. 
However, when I log into this account online. Instead of showing monthly payments past and future. For the month of XXXX it shows XXXX payment due with no due dates. 
This was pointed out to the company the error in billing, they refused to address the issue. 
I received email from company telling me I need to reverse the extra payment with my bank. however, they made the mistake and need to reverse payment. Also, I am told if this is not done they will apply it towards payment due on the XXXX. 
I have been trying to resolve this error since end of XXXX when I noticed XXXX payments made in XXXX and only XXXX was due. 
Previously, their excuses not to reverse payment was due to payments not being cleared. This was both of them. 
I paid the first payment according to plan and in spite of turning off autopay this company proceeds forward regardless what the consumer is requesting. 
This company 's customer service is terrible. Due to language barrier it is hard to understand their Reps. I have never had an account locked by company when you inquire about your account. And then refuse to explain why and refuses to give information. They appear to be stalling up to when the next due date comes around. This is a shady practice that has no merit. 
This company needs to reverse my payment instead of their Rep telling me to report a dispute to my bank. And then right after when calling my bank, I am still having issues. It took my several times writing a dispute to them and they never understood what account I was referring to instead answered back with another account I was not even talking about. It appears this company wants to overlook their error and not taking responsibility for their mistakes. Instead of admitting it they want to point fingers at me. If Autopay was turned off XXXX XXXX in advance then they had no rights to process anyway. 
This was an unauthorized payment. They should of returned payment. 

Account listed under my legal name : XXXX XXXX
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 TransUnion 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. This fraudulent, inaccurate, and false information consist of 2 personal loans one from XXXX XXXX with a total balance of {$350.00} under the account number XXXX on XXXX XXXX XXXX XXXXXXXX with a total balance of {$530.00} opened on XX/XX/XXXX under the account number XXXX, and Insurance loan with XXXX that went to collections opened on XX/XX/XXXX with a Total balance of {$760.00} under the account number XXXX. These account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.I have attached a copy of FTC Identity Theft Criminal Complaint 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.
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 unverified 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 falling 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 I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

About 10 years ago, I took out a {$230000.00} home equity loan on a rental property located at XXXX, XXXX, CA. My interest for the loan for the first ten years was 4.24 %. I have now been informed that my new interest rate will be increase to 6 % without having been told of this fact when I signed up for the loan ten years ago. When I originally signed the loan, there was an 18 page document which I signed which was hidden and stated there is a 8 % margin on my loan after ten years which was never explained to me. I have contacted Wells Fargo over 20 times during the past ten years for a clarification as to when is a " margin '', but no one was able to explain it to me. There was a complete failure to explain or disclose to me what impact a " margin '' would have on my loan after ten years. I am a XXXX senior and I feel that I have been misled and deceived into agreeing to a bad, fraudulent loan.