23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This Discover account has been reporting to my credit file since 2018. I have fi police reports with my local police department and an identity theft report with the Federal Trade Commission. I sent all these documents into Discover and they are still reporting this fraudulent account to the credit bureaus! This is crazy! I had my identity stolen and these people are still harassing me over what a criminal did in my name. Discover should have stopped reporting this account once they received my police report.
Product: Credit card or prepaid card

I opened a prepaid debit card with Bluebird that is part of American Express. I didnt have the account for very long. I lost the prepaid debit card around XX/XX/XXXX. I was not aware that on XX/XX/XXXX, the prepaid debit card account had been locked due to an issue I was not made aware of. When I received a copy of my credit profile recently, I noticed that a name had been transmitted to XXXX XXXX that I hadnt ever used. 

When I signed up for the prepaid debit card I had done so under just my maiden last name of XXXX. I am not sure how the debit card ended up with a different last name that I had not used. 

When I attempted to contact customer service on XX/XX/XXXX, I was given multiple excuses as to why I havent been able to resolve the issue and have the prepaid account closed out. Eventually I was told that supposedly there was a negative balance of {$72.00} owed and they wanted the money to close out the prepaid debit card account. I asked for proof and attempted to update my email address to receive communications regarding such. When I brought up the fact that prepaid debit cards can not be overdrawn, I was hung up on. 

I called back and I was then told I needed to call back within 1-2 business days from XX/XX/XXXX. 

Because of these mistakes I was never allowed to properly update my last name, I was never made aware of the fact the prepaid debit card account had the wrong last name, and I was never made aware that I supposedly owed the company {$72.00}, which supposedly was owed back in XXXX of XXXX. 

As far as I know, prepaid debit card accounts can not be overdrawn and consumers can not incur a debt to a financial institution in that manner. 

I never received any notices on the mail that I supposedly owed this money and the only email that was supposedly sent out was on XX/XX/XXXX, which provided that since the prepaid debit card account had been inactive for many years that such was going to be closed out. 

When the customer service associates realized I did not have the prepaid debit card in my possession and could not provide the account number is when they had refused to truly assist me with the issues above. However, when I call into the toll free number and use my social security number is how I am able to establish that there is still an account with Bluebird.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm ask the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquirys i need to contact the company and i did the company said dispute it with the bureau so i don't known what to do please help. XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX I did not open or authorize this account, and I therefore request that it be closed immediately. I am a victim of identity theft, and did not make the charge [ s ].
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> 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: Checking or savings account

I was unable to obtain a checking or savings account. I called XXXX XXXX  and I do not owe any financial institutions. Id like to know why Wells Fargo denied me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged my card with a fraud that had already been deputy on XX/XX/XXXX, credited it to my credit card. Then they decided to take my credit and they charged my card. It is totally unfair this action they took without consulting me and it hurts my credit points. 

In the statement you can clearly see the adjustment that made {$400.00} dollars in the sheraton and then put it on XX/XX/2019 2019
Product: Debt collection

In XXXX I made payment arrangements with Allied Interstate for some of my student loans that went into default ... the only reason I was in default on these loans was becuase XXXX made an error on my payment arrangement with them and was/is only applying my monthly payments I automatically make to them to half of my loans ( unknown to me and even XXXX does nto know why that happened and they are the ones that set the payment up ). 
Anyway I have been making payments by automatic deduction to my debit card ( because I was told by Allied Interstate they can not do ACH debits for payments just debit cards which I do not believe is correctnd seems a bit shady/illegal ). the payments are made every 2 weeks and have been taken since XXXX 2015 but I still continue to receive calls daily, sometimes several times a day and letters threatening to garnish my wages or take further legal action if I do n't make payment arrangements. When I called them to tell them I am making payments and to stop the letters and calls I was told that they would stop but they have not. In XXXX I was changing jobs and called to have them change the payment dates as my pay schedule was changing and I explained that my new payroll would not reflect dedcutions for insurance, union dues, etc for at least 60 days but that I would provide copies of my new paystubs and new income amount at that time. I was assured this was acceptable but still keep getting calls and today received another voice mail threatening this time not only threatening to garnish my wages but to cancel my payment arrangements if I did not send in the payroll information. I left them a voicemail in return explaining again that I had arranged to send in my new payroll information at the end of XXXX as agreed and that I was tired of being harrassed and ifit did not stop I would contact an attorney as I am tired of it ( this was all said politely ). In the voice mail I explained I was at work and was unable to talk and yet they called back again. This has been going on for months and I feel is harrassment. This company has had previous legal issues with their collection methods from my research and I want them held accountable.
Product: Credit card or prepaid card

I purchased a clearance mattress from Mattress Firm, which they offered financing for. When I applied for this loan, I was under the impression, rightly or wrongly, that I was applying for an installment loan, or some other closed line of credit, but it was opened as a credit card with Synchrony Bank. I was never provided a Regulation CC disclosure during the process. The only indication I had that I had applied for a credit card was the receipt I signed, which stated 'Terms : This transaction is covered by your credit card agreement with Synchrony Bank . ' A credit card agreement I did not have access to. 
Had I had access to the terms of the credit card loan, I would have considered my other options. Having an open-ended loan affects my ability to access as much credit in the near future. When I spoke to the store manager, she told me 'Well if you close it now, it will hurt your credit more. ' The district manager was apologetic, but told I should have asked for those disclosures. It is not the responsibility of the consumer to request those mandatory disclosures, it is the lender 's.
Product: Credit reporting or other personal consumer reports

I am a new immigrant who just logged on and because I needed a loan to buy a car I filled out and signed a loan counseling application at XXXX XXXX but to my surprise they gave it to almost XXXX loan companies for review which caused serious damage to my credit, no one told me to do this and I didn't even know that I was being counseled multiple times until I received the appraisal reports from multiple loan companies. These loan companies had no direct documentation of my signature authorization. I am filing a complaint about these actions and would like the opportunity to repair my credit report. 
The following are the companies and times that inquired about the reports without my signed authorization and these inquiries are considered third party actions : XXXX XXXX ( bank ) XX/XX/year> XXXX XXXX  ( financial ) XX/XX/year>XXXX XXXX XXXXXXXX ( Financial ) XX/XX/year> XXXX XXXX ( XXXX ) XX/XX/year> XXXX ( XXXX ) XX/XX/year> XXXX ( XXXX ) XX/XX/year> XXXX ( XXXX ) XX/XX/year> XXXX XXXX ( Financial ) XX/XX/year> Translated with XXXX ( free version )
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} Collection XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Charged off XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00} Collection XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00} XXXX Inquiries in Dispute : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX rights .

15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written 3 letters regarding Unverified accounts reporting XXXX times and different amounts and dates. I 'm asking for the CBR 's by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts they post on my credit report to assure maximum accuracy. The failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C SS 1681, unverifiable proof
Product: Checking or savings account

I noticed that I had fraudulent charges taken out of my Bank of America account. I reported it and the bank gave the money back. The first one was claim XXXX credited back on XXXX XXXX in the amount of {$1400.00} dollars. On XXXX XXXX the credit was reversed. Which put my account in the negative and incurred many overdraft fees. After I called in about it I was apologized to and told it would be back in my account after a few days. This never happened. The second call made it was discovered that my account information was used to pay an parking ticket out of town for someone named XXXX I was told. I informed the bank again I have not authorized the transaction and do not know that person. I was apologized to again and told that they would re-investigate and would return my funds shortly. I called again a few days later and was told that my email address was used and yet another investigation was necessary and again apologized and said Ill get receive my funds back shortly. I have yet to receive those funds. I was promised I would be made whole before XXXX. But my holidays were ruined. 

Claim XXXX in the amount of XXXX and XXXX were unauthorized charges made on that closed debit card. Once the card was replaced those fraudulent chargers where able to still be taken out of my account. Even with a new debit card. Credits were made replacing my money on XX/XX/XXXX and again taken back from my account XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my account that inaccurate, these accounts were not open by me or any authorized representative of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

this information reported is erroneous/false and damaging to my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -VIN- XXXX Salvage Car Totaled and paid off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2025, a dispute letter was sent to Experian regarding Affirm account numbers XXXX, XXXX, XXXX, and XXXX ( letter is enclosed ). Under the Fair Credit Reporting Act ( FCRA ), my consumers credit report functions as a credit device. This term refers to tools used to XXXX or deny access to credit. If a late payment is misreported, the consumer report is being used incorrectly as a credit device, violating my rights. I wrote Experian disputing the late payment reported on my credit report for the account referenced above delivered via certified mail. Federal law requires creditors to notify consumers of a late payment at least XXXX  days before the billing due date. Upon reviewing my records, I have found no evidence that such notice was provided. Experian is reporting false information and the late payments need to be removed per 15 USC 1666b ( Timing of Payments ) for any reported account. The company violated the XXXX rule and the lenders own policies for notification. Please see the enclosed certified letter sent to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days to this bureau and they are disregarding regular consumer disputes. I'm deeply stressed and have been sending letters before this and still no response.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to request an urgent investigation into multiple companies listed on my XXXX credit report, which appear to be engaging in fraudulent practices. Specifically, these companies have reported accounts as charged off as bad debt on my credit report but have failed to issue IRS XXXX XXXX for the canceled debt, as required under federal law for debts exceeding {$600.00}. Additionally, these actions may constitute violations of 15 U.S.C. 1692g, and 18 U.S.C. 1028A. 

The companies in question, as listed on my XXXX credit report, include but are not limited to : XXXX XXXX XXXX XXXX Co. 
XXXX XXXX XXXX XXXX MoneyLion Key Issues : Failure to Issue IRS Form XXXX : These companies have written off debts as charged off or as profit and loss write-offs in their books but have not issued XXXX forms to me, nor reported these cancellations to the IRS. This failure to meet federal reporting obligations creates a misleading representation of their financial activities and raises concerns of potential tax fraud. 

Violations of 15 U.S.C. 1692g : Under the Fair Debt Collection Practices Act ( FDCPA ), consumers are entitled to proper validation of debts. These companies have failed to provide the required validation and verification of the debts they report. Their lack of compliance leaves me with unverifiable and likely inaccurate accounts on my credit report. 

Potential Violation of 18 U.S.C. 1028A ( Aggravated Identity Theft ) : Reporting inaccurate or fraudulent information and failing to issue proper documentation, such as XXXX forms, undermines my ability to verify these debts. This could be construed as an abuse of personal information or even identity theft under federal law. Their actions have inflicted harm on my financial standing and exposed me to potential legal and tax consequences. 

I have also filed IRS Form XXXX to report these companies for suspected tax fraud and abuse related to their failure to issue XXXX forms for canceled debts. However, I believe the CFPBs intervention is necessary to address their broader practices of noncompliance and potential fraud. 

Requested Actions : Investigate these companies failure to comply with the requirements of 15 U.S.C. 1692g and other federal laws, including their obligations under the Fair Credit Reporting Act ( FCRA ). 
Investigate the potential tax fraud stemming from their failure to issue IRS Form XXXX for debts they have canceled. 
Hold these companies accountable for the harm caused to consumers and take appropriate enforcement actions. 
I have attached a copy of my XXXX credit report and additional documentation for your review. I am available to provide further details or evidence as needed. 

Thank you for your attention to this matter. I trust the CFPB will take the necessary steps to protect consumers and ensure these companies comply with federal laws.
Product: Checking or savings account

Payroll direct deposit XXXX XX/XX/year>... is late, no funds as of yet XXXX EST
Product: Bank account or service

Bank of America contacted me and advised that my Checking Debit Card had been compromised so they were canceling and reissuing another. I phoned them to ask for more imformation, they said that they did not have any information to share, and I told them that I wanted to know what the breach was and when. I was advised that sometimes they are just notified by XXXX Law Enforcement of the breach, but the bank doesnt know why they just cancel the card, this is not acceptable by me. 

I believe that I have the right to know exactly what happened and more detail, its my account and they should be able to inform me ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and good day. I'M writing this complaint because I have been disputing the Inaccuracy of each of the accounts that i will list and the bureaus ( XXXX, transunion, and XXXX ) seems to not care about following the rules of the FCRA. 
I have multiple accounts that are over the statute of limitations and are still reporting as well as an an account that couldn't be truly verified when after i sent in 6 months of letters showing the violations that are on my report. 
This is causing my life damages and Im getting tired of dealing with these folk to no avail. My next step is to begin speaking to a consumer rights attorney because this is nonsense. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX This account has 3 different dates last active so obviously its Inaccurate and now in total violation because they still haven't deleted it. 

XXXX. XXXX XXXX XXXX XXXX reporting a past due on a collection. I read this is A violation of thr FCRA. 

XXXX. XXXX XXXX TransUnion and XXXX are reporting 2 different dates last active and this account is way past the ststute of limitations. Why is this still reoprting? 

XXXX. XXXX XXXX XXXX XXXX All three bureaus are reporting different dates last active, the statute of limitations is up and its been reaged plus theres activity being reported after the account was charged off. Like really? Its like they're intentionally trying to cause me damages XXXX. XXXX XXXX XXXX XXXX again all 3 bureaus are reporting 3 different dates last active, the statute of limitations has past but they are reaging the account and XXXX is reporting activity after this account was Closed.
Product: Debt collection

Sequium Asset Solution, LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX, I'm making a complaint against Sequium Assets Solution, XXXX XXXX XXXX transferred the collection account to Sequium Assets Solution which is a third party, Im no longer under contract with XXXX XXXX XXXX ... ... ..On XX/XX/2020, I called Sequium Assets solution paid {$290.00} in full, 1st representative told me a paid to delete letter will be mailed to my home within 7-10 business days, never received a letter, called on XX/XX/2020 requested my pay to delete letter to be sent to my loan officer, I'm trying to purchase a home, this has been a nightmare resolving my paid to delete account, 2nd representative said the company will not send a paid to delete letter, the account will showed paid in full through the credit bureaus, I'll receive a letter within 7-10 business days, again no letter was sent, I requested to have the letter emailed or faxed, my request was denied, I was given a reference number to go on the website to receive a letter which will take 24 to 36 hours, it was the wrong reference number ... .. I called on XX/XX/2020, 3rd representative stated the account is paid in full, the company has a right to keep the collection on my credit report for 10 yrs because they are within their right according to the FDCPA, I need to call the credit bureaus to remove the collection a letter will be sent within 7-10 business days Very Hopefully, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Third attempt complaining about unauthorized accounts and unauthorized injuries on my credit profile.