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

Capital one credit card impacted my credit score with a hard inquiry on or around XX/XX/2019. This secure credit card application lowered my credit score on XXXX  and XXXX  by 19 PTS! This was done through XXXX XXXX and 19 points is an absurd number for a simple hard inquiry on my credit score.
Product: Credit reporting or other personal consumer reports

I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. Concerning the accounts listed below as a consumer i'm demanding a deletion of these accounts.I demand that the following accounts be verified or removed immediately.Please remove any fraud alert from my account asap.
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 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 failing 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 have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$5200.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was taken to the junk yard. I wanted to keep the car so I continued to make the payments however, the vehicle was picked up from the junk yard without my knowledge and without any notification and hauled away. The car was reported as a repossession. When I learned that the vehicle was taken, I immediately went to the junk yard and spoke with the office manager. She told me the car was reporting as only a temporary repossession and that since I was making the payments my credit report would not be in jeopardy. I was making arrangements to have the car given back to me, but before the paperwork was completed the vehicle was sold at auction without any notice. The vehicle was sold for more than what was owed and therefore there is not outstanding balance due to report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. Charge-Off Accounts listed below must be DELETED IMMEDIATELY
! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX / XXXX credit card via XXXX XXXX XXXX and they sold my account to XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX I sent payment to XXXX XXXX XXXX XXXX XXXX department to settle the account in full via check made out to them in exchange for the account to be considered settled and expunged from the credit bureaus. On XX/XX/XXXX XXXX XXXX XXXX/XXXX forwarded the check to XXXX XXXX and it was endorsed and cashed by XXXX XXXX. As part of the settlement agreement, the check had restrictive endorsement upon receiving payment the XXXX-XXXX  account should have been removed from my reports. Restrictive endorsements are legally binding contracts in the state of Texas where the check was cashed as well as the state of Georgia where I reside. On XX/XX/XXXX, I sent copies of the settled check to each of the credit bureaus ( XXXX, XXXX, and Transunion ) requesting the account be removed. On XX/XX/XXXX, upon  reviewing my reports, I noticed that the account was still there. I called XXXX XXXX XXXX XXXX XXXX department and the customer service representative said she could not locate me in their system and to contact XXXX XXXX. I explained to the representative the situation and told her that XXXX XXXX is not reporting on my credit report but XXXX XXXX is and that the account should be removed. The representative informed me again to contact XXXX XXXX and contact the credit bureaus as well because there was nothing she could do as my account is no longer with them. I asked her to speak to a supervisor and she would not allow me to repeating that I 'm not in their system and that there is nothing they could do. I attempted to contact XXXX XXXX but could not get anyone on the phone. I then contacted each of the credit bureaus again to find out the status of the removal / dispute and they all reported that the account came back as " verified '' from the creditor. How would I be verified in a system that I 'm not in? The Transunion representative in particular told me that this was done through an automated system where they sent it to the creditor and the creditor reported back to them yes the account is accurately being reported. Again, how could they say that when according to XXXX XXXX, I was not in their system? I do not believe proper verification was done by any of the credit bureaus.On XX/XX/XXXX, I was able to get in touch with XXXX XXXX at XXXX XXXX who said they did acknowledge the restrictive endorsement agreement and was forwarding the information over to their attorney who would get back with me on when this account would be updated and removed from my credit report. I followed up with her again on XX/XX/XXXX with no update except for that it was pending review. As of today I have not received a response from either XXXX XXXX or XXXX XXXX XXXX XXXX regarding this matter and it still remains on my credit reports.
Product: Debt collection

Back in XX/XX/XXXX, XXXX XXXX XXXX XXXX tried to charge me for a debt I didnt owe. I asked them multiple times for proof and a fair resolution, but they never gave me clear answers and continued to harass me for the debt. I end up taking them to small claims court ( XXXX XXXX. XXXX ) in XXXX XXXX XXXX On XX/XX/XXXX, the court ruled in my favor, confirming that I dont owe them anything. 

Even after this court decision, I still got numerous mails from XXXX XXXX harassing for the debt. I also got a debt collection letter from Kimball , Tirey & St John LLP on XX/XX/XXXX, saying I still owe {$400.00} to XXXX XXXX XXXX XXXX. This is completely unfair since a judge already ruled I dont have to pay. 

Im asking for XXXX XXXX XXXX XXXX and Kimball , Tirey & St John LLP to be held accountable for trying to harass me nonstop and collect money I dont owe. Also, I want to make sure this doesnt get reported to the credit bureaus or cause any issues for me.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXXT XXXX XXXX XX/XX/2022 XXXX 
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 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting information on my report that is already paid and was to be deleted. 
This is a violation of my privacy and unfair The credit reporting agency can not report anything without my written consent This XXXX account # XXXX O balance was paid off and was told by a representative that it would be deleted once paid. I feel miss lead
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE 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

I saw XXXX XXXX XXXX on my credit report as a recently opened account. I do not know the company and never applied for a credit card. I have reported in the past identity theft and believe this is linked to the problem. 

When I try to call the company I am routed to voice mail and told to either leave a message or request a call back. I have not received a call back from the company.
Product: Checking or savings account

I opened a personal account with the bank and never gave me a bank card and charged my account and took funds that were not authorized to take. Tried to use online banking and when I called they told me the bank closed the account and sent it to collections. I never used this account for anything accept to open the account and properly use it. But the account failed to send me my bank card and failed to properly keep my account private
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans with Navient were never in bankruptcy you cant file in student loans. My loans were forgiven due to me becoming totally XXXX  and XXXX XXXX in XX/XX/2007.
Product: Credit reporting or other personal consumer reports

I have called Experian and XXXX XXXX to dispute the late payments on file as they are inaccurate. I have mailed out letters trying to dispute this inaccurate information as it is holding me back when it comes to purchasing major items. Experian keeps telling me that the information provided by XXXX XXXX is correct and has not shown me proof. I have submitted proof of payment and still to no avail they have not removed it from my credit profile. I am trying to purchase property and this is really hindering me from doing so I am asking CFPB to look into this and I will also be providing you proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX= I did not authorized ( Dont know who they are ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX=I did not authorized ( Dont know who they are ) XXXX/XXXX Inquiry from XX/XX/XXXX=I did not authorized XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Santander USA is the company that currently is reporting my vehicle loan information. On XXXX they state the loan was opened on XX/XX/XXXX. I NEVER opened a loan on XX/XX/XXXX. They are reporting inaccurate payments history to XXXX and XXXX. I also never met/contacted/nor spoke to anyone from Santander. Vehicle was not purchased from Santander. Santander and XXXX XXXX of XXXX fraudulently shopped my information causing XXXX hard inquiries to XXXX  and are reporting all incorrect information. This has caused undue hardship on myself during XXXX and XXXX XXXX, caused financial issues as Santander repossessed my vehicle incorrectly on XX/XX/XXXX. I have receipt of payments with zero notification of late payment. 

Santander only shows statements from XXXX XXXX-present, yet reports XX/XX/XXXX as start of loan. 

They are reporting inaccurate information continuing to tarnish my credit profile, refuse to remove 35 inquiries I did not consent to on XXXX, and continue to report false date of purchase of vehicle. This needs to be removed immediately along with compensation for entire purchase and payment amount including downpayment amount. 

I have also been required to pay out of pocket for insurance monthly at price of {$450.00} for vehicle when the lender should have included insurance payment for this at time of purchase.
Product: Credit card

On XXXX XXXX, XXXX my phone was stolen from me while working in XXXX XXXX area. I found a month or so later that someone had made a very large purchase at the XXXX XXXX Target ( for {$920.00} to be exact ). The issue was that 1 ) I did not make the purchase, and 2 ) I was in possession of my Target Redcard still. I couldn't figure it out, until I made a purchase and scanned my wallet barcode so I could get any points/bonus offers, and it immediately charged my card right after scanning. That's when I realized that whoever had taken my phone would have had access to my Target app and purchased the items that way. I conveyed this to the person I spoke with on the phone XXXX XXXX, XXXX at XXXX XXXX XXXX. They said that the charges would be removed, and investigated, and I believe they sent me a new card. They asked if I had called the police, and I told them that since I work alone & for myself, that I didn't have another phone on me and no one was around to help. The person snatched my phone from my hand and ran. I eventually asked a neighbor to call the police, but XXXX police never responded. It is a high crime city, and all calls are routed through XXXX XXXX XXXX, so it doesn't directly go to the dispatcher unless it's a violence crime/emergency. So I feel that the person on the other end took the info but didn't deem it a priority or whatever system they have to determine immediate response. I have an older phone that I had given to my son after copying all apps/data, which is what I switched back to afterward without needing to redownload any apps or change any passwords ( besides the one for my bank and another private item ). So it wasn't a life or death thing with the phone, and I had no idea you could just scan a barcode and charge things without having a card present on Target 's app. But I never received any follow-up notices or letters, and it appears that a few weeks later Target just put those charges right back on my account. Which has been accruing interest and hurting us since then. My wife has had health complications this year, and I haven't paid as much attention to our credit card accounts as I usually do besides logging in and paying the minimum amount due. I should've paid attention, and reached back out after but her health is failing and raising XXXX kids almost solo has taken all my energy. I mean, as far as the items go, I don't need some {$300.00} stroller for my kids, we own a XXXX  which is extremely better and more expensive than a XXXX XXXX from Target ( also, I'd never use an item that promotes some brand I don't use/know like XXXX ).
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute and report an incident of identity theft that has affected my credit file. I recently discovered that there is a fraudulent account listed on my credit report, which is being reported by XXXX XXXX. The account details are as follows : Account Number : XXXX Account Type : Collection Account Status : Derogatory Date Opened : XX/XX/XXXX Balance : {$680.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX I have been a victim of identity theft, and I did not open or authorize this account. I hereby request that you launch a thorough investigation into this matter and take the necessary steps to rectify the fraudulent account on my credit report. 

I have already taken the following steps to address this issue : I have filed a police report with [ XXXX XXXX XXXX XXXX ] and have attached a copy of the report for your reference. 

I have contacted XXXX XXXX directly and requested that they close the fraudulent account. However, I have not received any satisfactory response or confirmation of closure. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request the following actions : Conduct a comprehensive investigation into the fraudulent account and the associated information. 

Remove the fraudulent account from my credit report promptly. 

Place a fraud alert on my credit file to prevent further unauthorized accounts from being opened in my name. 

Provide me with a written confirmation of the investigation and resolution of this matter. 

I have attached the following supporting documents for your review : A copy of the police report filed with [ XXXX XXXX XXXX XXXX ]. 

Any additional supporting evidence related to this incident, including correspondence with XXXX XXXX. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this identity theft issue.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate re-dress for these violations
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  my federal student loans for the XXXX XXXX XXXX XXXX were discharged. My loans were dispersed between two servicers. One servicer discharged the loans properly almost immediately and reported it properly on my credit report. However Sloan / Nelnet did not. Eventually I filed a complaint with both the department of education and Sloan to see what was stalling the discharge. They acknowledged that loans should have been discharged, but while my balance on Sloan 's website now does show XXXX, they are still not being properly reported as discharged. I filed a dispute through XXXX  to rectify the situation and the dispute ended in them actually raising the total balance owed through the loans. I'm filing this complaint because I need these loans to be properly removed from my credit report as they are supposed to be. These are the main thing keeping me and my family from obtaining a mortgage. I've attached both a copy of the discharge letter and screen shot of sloan showing the XXXX balance owed. I can provide any other information as need be
Product: Checking or savings account

I am in XXXX XXXX for an account at Bank Of America. I closed that account with a XXXX balance. I am unable to open a bank account with other banking institutions because of this.
Product: Checking or savings account

On XX/XX/2022 I recieved an email from Bank of America ( " BOA '' ) which stated that an online application for an XXXX XXXX Banking Account was in progress. I didn't pay much attention to it becuase I thought it was a phishing email. 

On XX/XX/2022 I recieved an email that stated " We're sorry but we're unable to open your Bank of America account ( s ) online. However we can help you open your account at a local financial center. '' I decided to take a closer look at this email and saw that it was actually coming from BOA. I gave the bank a call to report this. I do not now or ever had an account with BOA. These emails are a result of fraud and identty theft. I reported this to the " Check Fraud Department ''. While speaking with the representative, I asked for all the information that was sent to BOA in order to open the account, including a copy of the application. 

The representative that I spoke with refused to give me this information. She stated that the information was " greyed out ''. I asked to speak to a superior and she said they would call me within 24-48 hours. I never received a call from anyone at BOA. 

On XX/XX/2022 I received another email from BOA which asked me to verify my email address. This lets me know that BOA is still in possession of my information and has provided me with no proof that an account was in fact not opened using my identity. 

BOA is aiding in identity theft and fraud by refusing to give me information I have a right to.