23daVinci/CFPB_Complaints huggingface dataset:
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 Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights . Or a list of inquiries : 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: Mortgage

Mine and my husbands information was used to open credit card accounts, purchase items and apply for loans. My credit was frozen so I only received letters about the loan application, my husbands information was used to open accounts and he is still receiving letters for loan applications that can not be processed due to his credit report being frozen. This has been on going since XX/XX/ 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to complain regarding my credit score, but Experian does not provide it as an option. I presently have a score of XXXX with Experian. My score continues to drop without reason given by Experian. Recently, it dropped by 14 points-no reason given by the company. When I paid two loans off the score did not change at all. In addition, my Experian score does not compare to those with XXXX  ( XXXX ) and Experian ( XXXX ). I noticed they don't have a system for how they increase or decrease scores. They just do as they please. I want it to stop. According to a lot of research I have done, I learned that according to CFPB there should be some parallelism among scores, yet these companies are not following suit. " A 2013 poll found that 62 percent of indebted white households has excellent or good credit scores. Compare this with 44 percent of XXXX-American households that also carried debt. ''
Product: Credit reporting or other personal consumer reports

XX/XX/2023 : A hard credit inquiry appeared on my TransUnion report from a creditor XXXX XXXX XXXX, XXXX. The sales Distributor is XXXX XXXX. With address at XXXX XXXX XXXX, XXXX, WI XXXX. 

XX/XX/2023 : I called each credit bureau requesting to freeze my account, and file a dispute with the creditor. 

XX/XX/2023 : The creditor, XXXX XXXX XXXX sent a letter stating they received a dispute from TransUnion and asked that I provide my personal sensitive information ( SSN card, copy of drivers license, documents showing current address, pay stubs from employer ) in order to further investigate. I am NOT comfortable providing this information to a creditor I have no clue of. 

XX/XX/2023 : TransUnion notified me with this result : INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. 

XX/XX/2023 : I called the XXXX XXXX XXXX, XXXX and requested further information regarding my fraudulent account that was established. They could not verify my account with address, phone or email. Then I provided them an account number that was given in the letter to me on XX/XX/XXXX, and the representable was able to pull up the account. I requested the following below and this is what was provided : 1. Contract : Stated they do not have and that I needed to contact the Sales Distribution ( XXXX XXXX ) at XXXX XXXX XXXX, to obtain that. 

2. Address : XXXX XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX. THIS IS NOT MY ADDRESS 3. Phone : XXXX XXXX XXXX. THIS IS NOT MY PHONE NUMBER. 

4. Email : XXXX THIS IS NOT MY EMAIL To sum this up, XXXX XXXX XXXX need to close my account and report to each credit bureau accordingly. 

TransUnion has my personal information, and during their investigation with XXXX XXXX XXXX, they did not do their job accordingly. My address, phone, and email is accurate with each credit bureau, TransUnion could have crossed reference with XXXX XXXX. 

XXXX XXXX need to consult with their Distributor, close the account that was fraudulently created under my name. Them requesting me to send personal information, so they can cross reference is out of line. I will NOT provide these documents. They have enough information to know this was fraudulently created. 

XXXX XXXX XXXX need to do a better job of verifying identity before running credit on individuals. 

The Distributor and sales organization need to be held accountable and prosecute the individual who knowingly did this. 

I will also be filing with the police department, that I am a victim of identity fraud. 

This fraudulent account does not meet my profile. I rent and have no need to apply for store credit to purchase appliances. My landlord fixes and repairs these items per my lease with him.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Failure to Properly Investigate Dispute To Whom It May Concern, I am writing to formally file a complaint against Equifax for failing to properly investigate my credit dispute in accordance with federal law. I submitted a dispute to Equifax, citing XXXX XXXX. XXXX XXXX ( a ) as the legal basis for my request. However, Equifax accepted and closed my dispute using Section XXXX of the Fair Credit Reporting Act ( FCRA ) - a statue I never referenced in my dispute. 

This improper handling of my dispute raises serious concerns about Equifax 's compliance with the FCRA and their obligation to conduct a reasonable investigation, even after the CFPB 's recent lawsuit against them for their failure to conduct proper investigations of consumer disputes. The fact that Equifax applied and entirely different statue than the one I cited suggests that they did not fully review or consider the legal grounds of my dispute. 

I request that the Consumer Financial Protection Bureau investigates Equifax 's willful non compliance with the FCRA 's regulations, investigate Equifax 's failure to properly review my dispute and take appropriate action to ensure their compliance with federal law. I ask that Equifax be required to reinvestigate my dispute, applying the correct legal standard as cited in my original submission and block and delete the information requested in my dispute. I would also like to receive compensation from the CFPB 's victim relief fund, as I am a victim of illegal and unfair practices by credit reporting agency. 

Sincerely, XXXX XXXX
Product: Credit reporting

I disputed with Equifax about a collection with XXXX in the amount of {$2600.00} on my account that is not mine. I did not and could not have due to I was never in that state at the time. Equifax says it comes back verified but never provided me with proof of verification as I requested.
Product: Credit card or prepaid card

hello., I have submitted the formal complaint about your company as it follows below. 


in XXXX XXXX 2022 I placed a call to the company in regards to my special 1 year free interest rate offer soon to be expiring. I wanted to pay my balance off of my credit card and close the credit card. I was told by the customer service rep that they would not charge me interest rate as long as I planned on closing the credit card. My Ex girlfriend ( XXXX XXXX BOTH have a credit card with the company and we both were told that they would NOT charge the accounts. In XXXX or XX/XX/2022 I placed a phone call to the credit card company in regards to why the interest was charged to our accounts despite being told that they would NOT charge us. They charged us $ XXXX {$1300.00} i can not see the total amount as the website is down. I have called the company several times, made a few large payments, i want a call back from the manager ASAP. 







XXXX I placed 5 phone calls to commenity bank trying to resolve this matter and now it says my account is closed, I DID NOT CLOSE my account, I sat on hold now for well over a hour for someone to answer my phone, I did place a message through the portal on their consumer website. Now that I am trying to log onto the website to contact them and see where they are with helping me it would not let me log in and is telling me that I am now in a closed account which will not let me see what is the status of everything. this is now my 5th claim on CFPB against the company with NO LUCK. I am out of the country and this is ridiculous. I been trying to resolve this matter since XXXX or XXXX of 2022. I need a email update @ XXXX where they are with the investigation as I am out of the country and do NOT have any means of communication to them in the XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2023 I purchased a item for {$130.00} but then I call canceled the purchased but since the purchase still remains on my store card I contacted them to have it remove they stated no I also offer send them email with the refund and they stated no
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 90 plus ) days late on XXXX. ( Please see attached pages from my credit report along with a spreadsheet with account numbers for your reference. ) These accounts were in deferment at the time these late payments were being reported and consequently were being reported in error. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful.
Product: Debt collection

XXXX XXXX XXXX has been frozen, and I am no longer able to purchase or return items. My account was frozen because National Service Bureau incorrectly connected this debt to my name and my account. 

The debt is my ex-wifes, and the debt was incurred XXXX XXXX XXXX XXXX XXXX was finalised. We have never shared a XXXX XXXX, and this purchase and debt did not occur on my account or in my name. 

I have attempted to contact the company to resolve this, because they are damaging my credit and putting financial strain on myself by now making it impossible for me to shop at XXXX. 

They cant legally harass me for someone elses debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information or changing my account mid way. My accou t with XXXX ( XXXX ) on XX/XX/XXXX reported to all buearus the new amount balance of {$2000.00}. 

All three buearus have it correct except Equifax because on XX/XX/XXXX they report the old amount due from XX/XX/XXXX report of {$4900.00}. I called the lender three times, on XXXX, XXXX and XXXX and they confirmed they do not report more than once and do not know why they changed for XXXX, XXXX balance for XXXX. I called Equifax and as usual they are clueless and said the lender reported it but if i spoke to them it has to be there enturnal problem and system. 
This is a violation of the XXXX, where information on my report should be accurate about the consumer. This is hurting my credit score as well as reporting false information about myself. please update this immediately. 
Thank you in advance for your help and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my Capital One credit card for over 5 years and never missed a payment. During the Covid-19 pandemic, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i missed payments, I called Capital One and told them I would be late on payments as the Pandemic had cost me my job due to a state-mandated shutdown. I lost my job right before covid XXXX XXXX, Capital Ones response was for me to make any payment I possibly could afford, and if no payment was made that I could send a hardship letter at a later date to have negative items removed from my credit report. I complied with Capital Ones request until I contracted the virus in which I was hospitalized and suffered physically for months. Once I recovered I contacted Capital One and was told my account was delinquent and has been closed for nonpayment. Despite our verbal agreement during the Covid-19 pandemic, I also discovered that Capital one reported every late payment to all three credit reporting agencies, and I was told no agreement was noted on my account. On XX/XX/XXXX I was told to send a hardship letter to Capital One via mail, I complied, and once again, I received a response letter stating that Capital One does not remove negative items from credit reporting agencies due to hardship. Although the account was closed, I have made payments to bring my account current. 5 years of perfect payment history, on an account that had a credit limit of { {$500.00} } and minimum payments of { {$25.00} } per month, and due to a pandemic that was out of my control Capital One deems fit to destroy my credit, all while ignoring Government policys such as the C.A.R.E.S Act which President Trump signed into law on XX/XX/XXXX, this Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances, in which I complied. While Capital One is a large company with billions backing them, I do not believe this should supersede the well being of their customers, at some point large corporations need to be held accountable and comply with laws and policies set forth to protect people from credit demise during pandemics and other monstrosities, we have no control over.
Product: Credit card

Im a Bank of America client, I have been credit holder for many years, on XXXX I lost my job and BofA did not help me to be able to make payments so they increased my debt with interest and fees, also one of my credit cards from BofA got it without applying for it. I saw the class action lawsuit against BofA but I havent been contacted about it. What can I do????
Product: Credit reporting, credit repair services, or other personal consumer reports

after having my debit card cancelled the boa bank of america let visa notify XXXX computers my new debit card number and they should not be allowed ( visa ) to give out your new debit card to anyone, without permission. This is an illegal transaction why get a new debit card if the credit card visa is going to just give it out. This should not happen.
Product: Credit card or prepaid card

I am a member of the XXXX XXXX XXXX who was called to XXXX XXXX for a XXXX to XXXX on XXXX XX/XX/2019. I took my orders into the Navy Federal Branch in XXXX for an interest rate reduction for my credit card ans car loan with them. The lady took my orders and claimed she sent them over. It is now XXXX and I am still waiting for my interest rate reduction. I have contacted them numerous times, sent emails and messages via their website. I keep getting told they are back logged and they will retroactively adjust the payment. That is not the purpose of the act. I am supposed to receive an immediate interest rate reduction, which typically means a reduction in payment amount due to making less money when called to XXXX XXXX. This bank is supposed to cater to military members and they are the only business that has given me the run around. They claim they are backlogged by at least 6 months, which means many military members and their families are effected by this. I have had to use morale calls and free time to try and correct this, at times at the expense of my safety.
Product: Credit card

I upgraded my credit card because of a XXXX bonus rewards offer if I met a certain spend threshold. I did meet the threshold well before the deadline, but I am told that I was not qualified for the offer. I upgraded my card by clicking on a link on the website that said I would receive XXXX bonus rewards. This is deceptive as I upgraded on the basis of the economics the bonus points presented despite a {$450.00} annual fee + {$170.00} supplementary card fee.
Product: Checking or savings account

On XX/XX/2023, I lost my Chase debit card. I realized it was missing on XX/XX/2023, and immediately logged into my Chase account to review my transactions. During this review, I identified two unauthorized charges that had been made on my account : 1. XXXX on XX/XX/2023, for - {$14.00} 2. XXXX XXXX on XX/XX/2023, for - {$1300.00} I checked my XXXX  account, but neither of these charges appear in my transaction history, nor do I have an XXXX  account. I contacted XXXX support, and they confirmed that there were no charges matching these amounts on my XXXX account. I attempted to contact XXXX  for further clarification, but I was unable to reach their support team because an XXXX  account is required for customer assistance. 

Upon discovering these unauthorized charges, I promptly locked my debit card on XX/XX/XXXX to prevent any further transactions. I also filed a fraud claim with Chase and requested a new debit card.
Product: Bank account or service

U.S. Bank has done this to me MANY of times. they charge me Overdraft Fee 's for transactions already completed. they try and show you a way that makes it seem like it 's all legit but it 's not. they did n't have to cover anything I bought with their money. it was all mine but because " how there system works '' they keep charging me these ridiculous fee 's. i am currently negative {$140.00} in the bank because they charged me XXXX, {$36.00} fee 's. XXXX= {$140.00}. Without the fee 's I would have almost {$4.00} extra. they tried telling me because I was negative in my account on XX/XX/XXXX, but I was n't. I was negative on XX/XX/XXXX for about half hour. they say if the negative balance is paid before end of the day we wont get a overdraft fee. well fast forward to about an hour and out of no where i 'm getting XXXX overdraft fee 's for things that have already been " completed transaction '' with a positive balance after. it amazes me that they can just go in and make us pay an overdraft fee for things that are not even pending and have been paid with money to spare. they tried telling me it was negative but can not prove it to me. not one in the print out they gave me does it show that my account was ever negative. I check my account every day. it 's just how they decided they want to take the charges out. so it does n't matter when you buy something, it matters how much. I have had 2 people confirm this to me. they do n't go off when you spend the money, but how much. so I spent money in my account because it said it was there, then something comes out that I forgot about and it 's more then what 's left in the available account so they take that out first even though it 's been pending a day and the others have been pending 4+ day 's. they take the high amount out first which makes me go negative and now they get to charge me for the other already pending charges on top of the new one. so instead of getting just XXXX overdraft charge they found a way to get XXXX or more out of me. they should take the money out, first in first out. not pick which ones they want to put through 1st. as soon as I can I will be closing my account and recommending to everyone to never trust or use them! went into 2 different branches to try to resolve this talked to 3 different people. only 1 out of the 3 were nice and generally concerned about my issues, they other two boys ... .. not so much, all they could tell me was " well, that 's the consequences of using money you do n't have '' SERIOUSLY? I used only the money I had, not one Penny was from them!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

Complaint Title : Identity Theft Fraudulent Account with Credit Acceptance Corporation Dear CFPB Representative, I am submitting this complaint as a victim of identity theft. My personal information was stolen and misused, leading to the appearance of a fraudulent account on my XXXX credit report. 

Details of the Fraudulent Account : Creditor : Credit Acceptance Corporation ( CREDITACPT ) Account Number : XXXX Account Type : Installment Open Date : XX/XX/year> Monthly Payment : {$0.00} Balance : {$0.00} I want to make it absolutely clear : I have never opened, registered, authorized, paid for, or logged into this account. 
I have never signed any documents or contracts related to this account. 
This account does not belong to me, and it is a direct result of identity theft. 

Attempts to Resolve the Issue : I have already disputed this fraudulent account with XXXX, providing all necessary supporting documents, yet they failed to remove it from my credit report. 

I am attaching the following documents to this complaint : A copy of my dispute letters to XXXX Any responses received from XXXX A copy of my FTC Identity Theft Report A copy of my police report ( if available ) Any other supporting documents proving that this account is fraudulent