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

What happened : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 consists of a personal car loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). Credit accounts such as XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX )XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I was informed that I owe a company named LVNV Funding. I requested verification of the debt, I requested information regarding a possible charge off of the alleged debt and I requested to know if the collector was licensed in the State of North Carolina. I didn't get an actual verification of said information, just a printout of a statement that I dispute is mine and/or the amount I allegedly owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance : XXXX Date Opened : XX/XX/2011 US DEPT ED XXXX XXXX : {$0.00} Date Opened : XX/XX/2011 XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX XXXX XXXX {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a part of the Equifax security breach that occurred around X/X/17. My personal data ( social, DOB, credit history, etc ) is currently up for grabs by anyone associated with the hack. 

I have enrolled in the 90 day fraud alert, but have not enrolled in Equifax 's monitoring service ( it appears to waive judicial rights if you enroll ).
Product: Student loan

I am still enrolled in school and after every semester, I begin to receive calls about paying my loans and letters. Even though I am still in school they never seem to have an updated system showing I'm enrolled
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete from my credit report. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Delete from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card

In XX/XX/XXXX, I made a purchase of {$690.00} under a 12-month zero-interest promotional offer. In XX/XX/XXXX, I made a payment of {$700.00}, intending to pay off the promotional balance in full within the same billing cycle. Despite this, my XX/XX/XXXX statement reflected an interest charge of {$180.00}, with a balance of {$470.00} subject to deferred interest at a rate of 28.99 %. 

I contacted Wells Fargo in XX/XX/XXXX to dispute this charge and requested that my payment be properly applied to the promotional balance, the interest charge refunded, and an explanation provided. Despite these efforts, the issue was not resolved. I contacted Wells Fargo again in XX/XX/XXXX, and they informed me the complaint would be extended until XXXX. I was also told my case manager would call me within 30 minutes, but no call was received.
Product: Mortgage

Story enclosed in uploaded document sent to various Congressional and State Representatives including the Department of Justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX  for the amount of {$4900.00}, Account XXXX # XXXX for the amount of {$5000.00} 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 15 U.S. Code 1681s2 - 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 reporting or other personal consumer reports

The company XXXX XXXXXXXX XXXX XXXXXXXX continues to report an alleged debt owed to them by me. I have never agreed to do any business with this company nor have I ever heard of them. I have asked for a copy of any contract or documents signed by me agreeing to do business with them in accordance with Contract Law. They have failed to produce this instead they have sent me a copy of an old bill from XXXX, this is not proof of any agreement from me to do business with this company. It was my obligation to first contact this company and I have done so. FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it.
Product: Credit reporting or other personal consumer reports

Incorrect/inaccurate/ incomplete information on my report such as account status account type comments Date last reported payment history payments status date opened On multiple accounts, i have notified XXXX, EXPERIAN XXXX XXXX about this since XX/XX/2023. They claimed all information is accurate and verified i attached proof of inaccuracy on multiple sections and multiple accounts.
Product: Credit card

When attempting to use the autopay function for my Bank of America credit card, in order to regularly pay an amount larger than the minimum amount due, there is no option other than to pay the minimum or pay the balance in full. I was told that there should be that option and that if there isn't, it's a temporary error. It's been this way for years now, and the only way to use autopay in that manner is if you have a Bank of America bank account. 
So Bank of America is unfairly pushing me to either pay them more interest, or to open a bank account with them. Both options are coercive and bad for me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax system keeps lowering my credit score without correct reason. This month my Equifax score was lowered XXXX XXXX  & stated it was because I got a new credit card. I did not get a new credit card. I can't help that credit I already have is bought out or changed. The reason states I have a new card since XX/XX/XXXX & XX/XX/XXXX & then goes on the say that I've had this credit card since XXXX! How can this possible relevant? Further the report goes to the credit company that was sold or transferred & states that my card was cancelled!! I can't help the internal workings of companies & I see no reason for a decreased credit score. My bills are paid on time, I seldom make the minimum payment but rather pay the full balance each month & yet Equifax is consistently lowering my credit score. As soon as I get the information regarding the other bureaus, additional complaints will be made. I had sterling credit 2 years ago & since then I've been lowered to the XXXX range for what appears to be no valid reason. Of course when one bureau does it, another bureau does calculations & takes to original lowing into consideration & proceed to lower my score further. This isn't right. I also want to know how to get my credit back to the 800+ range since no financial movements have been made that should have lowered my credit score to this degree.
Product: Credit reporting

Yes, I have disputed this issue to the credit reporting companies and also written to the collection agency that placed the information on my credit report. Three times I have written to the collection agency with no response. The collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX and the negative collection is reflected on my Experian and XXXX credit reports. And based on what little information I 'm able to gather from the XXXX reports it has something to do with XXXX. The fact is I have never purchased XXXX service. I would like this matter resolved or information regarding this service so that I may resolve it myself. I have been a victim of identity theft and this may be another account that I have to get cleared. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

They are reporting an inaccurate address. Please remove this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

There was a fraudulent withdrawal in the amount of {$20000.00} from my law firm XXXX account at Chase bank made on XX/XX/2022. The check was not a real check and was forged, yet Chase bank allowed them to withdraw the money anyway. I submitted the fraud claim on XX/XX/2022 which was the first business day after learning of the fraudulent transaction- which was about 55 days after the actual fraudulent transaction. My bank has denied the claim for reimbursement despite my 30 year relationship with them..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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

This complaint is in regards to Discover Bank. I have lost/misplaced my Discover card ending ( XXXX XXXX XXXX ) in XX/XX/XXXX. There were several unauthorized charges between XX/XX/XXXX thru XX/XX/XXXX. I was out of state for holidays when all this happened. I called and reported the fraud as soon as I got to know. Discover denied my claim and this is so unfair for me to keep paying for something that I did not authorize neither did I received the services or Goods that Discover is asking me to pay. The total amount is around {$3200.00}. 

I want CFPB to please take corrective action. Discover needs to provide valid proof of investigation.
Product: Student loan

I attended XXXX XXXX in XXXX, California. I took out a federal loan for school and I have been paying it. The school then proceeded to take out XXXX private loans out in my name without my consent or knowledge. I have expressed this to the loan company NAVIENT, when they called me 3 years after the school applied for it. They refused to send me any " proof '' that they claimed to have. I have never received any information about the loan, yet it 's on my credit report and I have been disputing it since I learned that I could. This has caused a huge grievance on my credit score and therefore reflects poorly on me as an adult, making it difficult to apply for an auto loan and eventually a mortgage XXXX day.
Product: Checking or savings account

Earlier this year I filed a complaint in regards to us bank. 
I'm not sure how the timing works. 
I didn't have access to exactly all of my old paperwork due to family funerals and the house of my family getting burglarized several times where majority of my old paperwork was stored. 
I had an account with U.S Bank in XXXX. 
I applied for a card to build MY CREDIT through XXXX XXXX on XX/XX/XXXX. 
I payed XXXX XXXX 
My card was not charged until XX/XX/XXXX. 
I called XXXX XXXX and they said they refunded the money and did not tell me why. 
The exact same week I get a letter of insufficient funds. 
On XX/XX/XXXX I got a refund. 
I was not given an opportunity to pay the {$46.00} WHEN I WENT INSIDE THE BANK IN PERSON, NOR keep my account open. 
I RECIEVED AN odd all XXXX XXXX XXXX XXXX in XXXX that year from the XXXX XXXX  stating my account was closed. 
I tried to pay it again and asked if I could pay it and open a new account and was told I could not. 
I had no choice except to eventually go down the streeXXXX and open an account at XXXX XXXX XXXX XXXX WHERE MY ONLY OPTION WAS " SECOND CHANCE CHECKING '' I DIDNT LIKE HAVING TO DO THAT BUT MY ENTIRE FAMILY USED XXXX XXXX XXXX XXXX XXXX I TRUSTED TO USE THEM. 
THIS YEAR I found paperwork to a trust account for myself that my grandmother had put up for me XXXX XXXX 
When I searched all the places that took over XXXX bank it turned out To be XXXX XXXX now. 
The XXXX sent me a letter after I inquired with fdic about the trust account that stated I had not applied to XXXX XXXX XXXXor credit since XXXX and was denied. 
I applied on XX/XX/XXXX and payed and the money was refunded. 
XXXX letter from the XXXX was addressed to Mr. then another one to Ms XXXX more distortions. 
I am a woman, was born a woman. 
I do not have a guardian, at least not to my knowledge. 
Back to U.S. bank I RECIEVED AN email in XXXX stating that my address on my account was updated. 
I did not have an account, my account was CLOSED IN XXXX OF XXXX IN XXXX I BELIEVE SOMEONE FRAUDULENTLY FILED GUARDIANSHIP OF ME. 
I WAS IN THE THE ER ON XX/XX/XXXX THIS YEAR I WAS TRICKED INTO SIGNING A BLANK GUARDIANSHIP, I WAS THERE FOR AN INJURED ARM. THE WOMAN TRIED GIVING ME DRUGS, WOULD NOT LOOK AT MY ARM AND SENT ME HOME WITH PAPERWORK FOR AN INJURED LEG AND WRONG INSURANCE INFORMATION. 
I FEEL WHO EVER IT IS THAT CHANGED MY INFORMATION IN US BANK IN XXXX has something to do with this entire issue BECAUSE I HAVE HAD ISSUES TRYING TO GET ANY OF MY INFORMATION FROM SEVERAL BANKS.
Product: Credit card or prepaid card

I made a purchase from a seller on XXXX with my credit card for {$240.00} the seller was not compliant in returning my money after I sent the seller it's merchandise back due to it being defective and gave the tracking # which is confirmation from FedEx that the seller received the merchandise back. I went to my bank Wells Fargo to dispute the charge and accidentally input my dispute in wrong my intentions was to put in that I returned the merchandise but I put in that I didn't receive it a total mistake of hitting the wrong button. My bank did the dispute based on the error I made and refunded me the {$240.00} and then reversed it several months later stating that they received info from the merchant that I received it. I didn't find out until months later that I entered my dispute incorrect once I was informed of this I asked my bank to redo the dispute correctly so I can receive my refund because I did return the item back to the seller and I did use my card as they can see on my statement to make the purchase of {$240.00}. My bank said they can not reopen my claim and I should take it up with the seller who has not been compliant with me at all. I am disputing the bank decision because I made a mistake in filing my dispute but this is a legitimate dispute and I did spend the money of {$240.00} on my card and I did return that merchandise so I am entitled to receive my refund back from my card issuer which is my bank Wells Fargo. I am human and make mistakes like anyone else my bank has made plenty of mistakes on my account and I was considerate and understanding we all make mistake in life no one is perfect but in this case I did spend my money and returned the merchandise and have proof so I want my money back. The bank is refusing to open my claim and refund my {$240.00}.
Product: Vehicle loan or lease

Honda Financial Services is refusing to accept the legal tender that's backed dated XXXX payment was made through a Bill Of Exchange , and falls under Tender of payment ( 3 USC 603 ). This is a form of breach in contract and can lead to Civil Money Penalties under the Federal Reserve Act section 29. I've received a notice of rejection writing on XXXX. Which means that Honda Financial Services is not upholding their fiduciary duty within the administrative process.Honda Financial Services has also been demanding Federl Notes under a Consumer Credit Transaction for personal, family and household vehicle ( 15 USC 1679a ) .This is a form of commingling, which is not only breach in contract but also hurts the principal and the United States by increasing National Debt to the already National debt crisis the U.S. face in the present day. The car contract itself states a finance charge was made for the vehicle, and according to the definition of a finance charge ( 15 USC 1605 ) the vehicle has already been paid off through credit/securities that are linked to the principal account. It has also been brought to my attention that Honda Financial Services has been collecting unearned interest from the principal.However, 15 USC 1615 states that all unearned interest goes back back to the consumer. According to 12 USC 1431, banks pay interest, and transfer security.In addition, with all the information provided if the principal has to seek litigation for this matter, we will be opting for tier 3 under Federal Reserve Act section 29 under civil penalties. This consists of Honda Financial Services paying XXXX in lawful money or 1 % of Honda Financial Services asset.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint XXXX XXXX  ) on XXXX in regards to inaccurate or wrong personal information displaying on my credit report. Experian responded on XXXX stating they were in the process of removing and updating inaccurate employer information. As of today XXXX employer XXXX transportation, XXXX XXXX and outdated or inactive phone number XXXX still remains on my credit report after several requests to remove the information has been made both via mail and phone. Addresses XXXX XXXX XXXX and XXXX XXXX XXXX are addresses I've never resided while none of the creditors currenlty reporting on my credit report are attached to these addresses for any reason therefore they should not be reporting on my credit report. I don't understand why Experian continues to ignore my request and continue to report inaccurate information violating the Fair Credit Reporting Act.
Product: Credit reporting

I HAVE A COLLECTION ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE NO CONTRACT WITH XXXX,