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

there was fraudulent charges made on my account my wallet dl credit cards passport where stolen, and used all over the USA, not once did cap one contact me not once did they send me a fraud affidavit not once did they contact the the police department to verify these where fraud and they rebilled my account in total blatant violation of the law and did this without even investagating if they did they would have knew my id and credit cards where stolen, the only time they contact me was today to tell me there rebilling the charges even though they never got my side of the story or send an affidavit or contacted the police
Product: Credit card

I received information about " XXXX " credit cards from " XXXX. '' I thought it was an interesting concept, so I looked at the website and tried to get more information. I started the enrollment process. I wanted further information and clarification of the product and how usage works. I telephoned " XXXX " at ( XXXX ) XXXX and received a customer service representative whose voice I recognize from somewhere else associative of fraud against me, like XXXX, or something ( XXXX  XXXX ). 
Earlier today and last night, I was also looking into a bill-pay negotiation agency, who was listed as a service provider to my Roadside Assistance benefits program. The company is who claim to lower both debt and charges for utilities. The customer service representative at ( XXXX ) XXXX also had a familiar voice, but of someone I believe may have been spoofing government agency phone lines just after the covid shut down, and non-profit phone lines before the shutdown. I was told that, " [ I ] would hear back within the next few days to find the negotiation. '' So far nothing noticeable has happened, but I do not use online banking, and there have been suspicious e-mails filter into my account in the middle of the night indicative of financial fraudulent activity I have forwarded those articles as I do with the Spam I report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX XXXX, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

This card was closed in XX/XX/XXXX when I the Consumer Account resulted in identity theft after my online account was hacked into by the XXXX XXXX XXXX. 
All information was reported to XXXX XXXX, XXXX, XXXX, Identitytheft.gov, XXXX XXXX XXXX XXXX, PC at XXXX XXXX XXXX, XXXX XXXX, CT XXXX and XXXX XXXX Agent : XXXX phone # ( XXXX ) XXXX case # XXXX Whereforth, the identity theft criminal was identified ; affidavit submitted to XXXX Attorneys in XX/XX/XXXX by USPS Priority Mail and XX/XX/XXXX by Certified Registered/Certified USPS Returned Receipt Post Card Mail that included : Affidavit and Witness Statement and Identitytheft.gov online reporting of XXXX Credit Card Identity Fraud . 
In addition to verbal and written correspondences dated ; XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and Telephone Confirmation with XXXX XXXXXXXX XXXX XXXX XXXX received on XX/XX/XXXX USPS confirmation!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to remove an address in Texas that I have never lived at with Experian. Address not removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally bring to your attention a critical matter related to my consumer rights under the provisions of 15 U.S. Code 1681c-2. On XXXX XXXX, 2024, I submitted a request to investigate inaccurate accounts on my credit report. Unfortunately, it has been over XXXX days since I sent my inquiry, and I have not yet received a response. 
It has come to my attention that the consumer reporting agency involved has failed to comply with the statutory requirement to block the reporting of information resulting from alleged XXXX XXXX within the stipulated time frame of XXXX business days. As of today, XXXX days have passed since my initial request for the removal of these items, and I am deeply concerned about this violation of federal law. 
As a victim of XXXX XXXX, I have taken the necessary steps to dispute and rectify the fraudulent accounts on my credit report. However, despite the clear legal obligation imposed by 15 U.S. Code 1681c-2, the consumer reporting agency has not acted promptly to delete this information from my file. This situation is causing me significant distress and threatens my financial well-being. 
Additionally, I want to emphasize that I have never provided written consent to any consumer reporting agency to report the disputed items on my consumer report. This is a direct violation of my rights as a federally protected consumer. XXXX XXXX itself constitutes a lack of consent, and it is imperative that these accounts be removed immediately. 
Under 15 U.S. Code 1681b, consumer reporting agencies are permitted to furnish consumer reports only under specific circumstances, none of which apply in my case as I never granted written consent for the inclusion of these accounts in my report. 
I kindly request that you treat this matter with the urgency it deserves, as it directly affects my rights and financial stability as a consumer. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this situation. 
Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to this issue.
Product: Debt collection

I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? They say that this account was purchased by another lender without providing any name, address or contact information and this account is almost 5yrs old. It looks like they are trying to reage the account which is an illegal practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I went to XXXX XXXX in XXXX to inquire about a vehicle they had for sale. The sales agent asked me some verbal questions about my income, credit, etc. I explained that I was working to repair my credit. Agent asked if the finance manager could " check my credit '' to see what the score was. It was low. I told him I was not interested in going any further. I did not fill out an application and I DID NOT authorize XXXX verbally or in writing to " shop me around '' to various lenders, who each pulled their own HARD INQUIRY. I was not aware of this until a later date. I reported this crime and misuse of my personal information to XXXX and nothing was done. XXXX does not permit a dispute for all these inquiries to be done on line. So, I called in. There is no option to speak to a person. So, how am I supposed to dispute this????? I did not authorize these and XXXX XXXX has significantly harmed by credit rating and XXXX   is not available to assist. Can you help me with my compliant against XXXX and XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights, Account # XXXX XXXX XXXX  XXXX has violated my rights, Account # XXXX XXXX, has violated my rights, Account # XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX, has violated my rights, Account # XXXX XXXX XXXX XXXX  has violated my rights, Account # XXXX XXXX XXXX has violated my rights, Account # XXXXXXXX XXXX XXXX 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
Product: Debt collection

I should remember actually date because I came XXXX  three years ago till now especially with discover credits and XXXX XXXX with XXXX XXXX even XXXX XXXX are not reporting the right figure someone when to fit wrong impression on my XXXX XXXX that I am ex servings that travel for overseas training course why I am not and never travel out from United States of America till I came into America in XXXX XX/XX/XXXX till very day I became America citizens in XXXX please I need an investigation
Product: Debt collection

I have been receiving numerous phone calls from Commenty Bank in regards to my Victorias Secret credit card. I spoke with the company on XX/XX/year> in an attempt to create a payment plan but the company wouldnt agree to my terms on the date the automatic payments would occur. Since the phone conversation the company has been calling me nonstop using an Unknown number and various XXXX numbers. The company continuously calls from the unknown number and follows up with a call from an XXXX number within XXXX minutes of the phone call. The company has far exceeded the XXXX calls within a XXXX day period, often calling more than XXXX times within a XXXX day time period. This tactic is causing me undue stress and preventing me from focusing on growing my new business to a point to get me out of the financial burden that I am experiencing since losing my previous business.
Product: Vehicle loan or lease

I received a payoff quote from BMW Financial Services to payoff my lease on XXXX in the amount of {$51000.00} good through XXXX. The vehicle was sold to the dealer on XXXX. To confirm the figures, they requested a new payoff. They received a payoff in the amount of {$51000.00} good through XXXX. The lease was paid off a few days later on XXXX well within the time frame of the original payoff I received. BMW is now telling me, there is no overage and the payoff I originally received is voided as a new payoff was requested.
Product: Credit reporting or other personal consumer reports

I called to dispute a social security number on my report that is not mine ending in XXXX. This is not my social security number, the collections this number is attached to is not mine. More than 5 name variations on my credit report that are not mine. The rep acknowledged that there seemed to be a mixup with another credit report and theyve just been forwarding me to different departments.
Product: Credit reporting or other personal consumer reports

Was in the middle of a divorce. I co sogned for wife on her XXXX  XXXX she took it when we split up and was in possesion of it and refused to pay her payment. My attorney wrote 3 legal documents stating she is reaponsible for payment if in possession. She did not pay it untill they repoed it. I submitted a dispute to creditors for XXXX XXXX XXXX XXXX they did t care about the legal documents and dinged my credit for three months of no pay when the legal docs show she was suppose to pay it.
Product: Vehicle loan or lease

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 : Home Loan XXXX Account name : XXXX XXXX XXXX Account name : XXXX  XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX, 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.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I encountered a billing error and never received the correct billing statement, which caused confusion about the payment due date. Additionally, the late payments notices arrived after I had already made the payment. 
There was also a clerical error where my payment was applied to the wrong account, causing a delay in processing. 
I provided bank statements, payment confirmations, and proof of the communication with the creditor where these errors were acknowledged. Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Went shopping for a mattress, and I asked about the 0 % APR financing the store was advertising. The employee said, let me check to see if you 'd be qualified. He asked me for some info, and before I knew it, I had a new credit card I did not sign up for! I even kept asking him if this would show up on my credit report and that it better not be a credit card. He kept insisting it was a soft pull and We do n't use this as a credit card. The employee was either extremely ignorant or flat out lying to me. Worse of all, I did n't even need to finance the purchase and ended up paying for the {$700.00} mattress outright. 

I called the bank Synchrony immediately to try to prevent the application from going through. They said there was no way they could do that, and that I would have to call back in 48-72 hours to cancel the account AFTER it had been posted. I have since cancelled the card with Synchrony in the 48-72 hour timeframe. 

I never signed anything and never gave permission to open a credit card. The employee never got my approval, and I was not only misled, but flat out lied to as he kept insisting it was not a credit card. This is identity theft as he applied for a credit card on my behalf without me knowing. 

A few days later, sure enough it showed up on my XXXX credit report as a new credit card account. I would like to have this be wiped off of my credit reports ( XXXX, XXXX, etc ) entirely without any record of it existing.
Product: Vehicle loan or lease

UCCC 3.301 ( 1 ) states that the financing of an automobile by a bank is not an consumer transaction where the bank was only the Assignee of the automobile taking Security in Addition to the Purchased Automobile
Product: Debt collection

Credence Resource Management contacted me without my consent and attempted to collect an alleged debt. They did not disclose to me I had a right to dispute. When I learned my rights I sent letters in which they did not respond within 30 days.
Product: Debt collection

Get a call from Source Rec mngt everyday Im not sure whats its about but I looked it up and it is about debt I dont know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX , IL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card

Macy 's fraud department notified me on XXXX XXXX regarding potential fraud on the american express portion of my Macy 's card. This was removed from my account in a timely manner. On the Macy 's portion of the card, they did not review for fraud but I found the fraudulent charges on the same day. Since my initial paper work for this fraud, I have had to call monthly to get this cleared from my account. As of today, it has not been removed.
Product: Mortgage

The closing date was clearly socialized to the lender, for a XX/XX/XXXX closing. At every step and every document I sent over, I asked in writing if we were still on track to close on time, and I was told yes. At the very end of the process, I was told 5 days ago that I was required to do something previously, and only given 1 single day to perform this task, and the request for this was made in the evening, after business hours. There was no prior indication of a deadline for when this task needed to be completed, nor any mention that it was an impediment to closing on time. Furthermore, I was not informed until today via phone call that because of a change in purchase price, the lender is required to request an approval from the third party appraiser on the change in price, wherein the change was to drop the purchase price down to the appraised value. This comes as a shock because I sent over the signed addendum to change the purchase price 10 days ago, but the request on the lender 's side to get this alleged required approval for final underwriting was not submitted until this morning, XX/XX/XXXX. When I asked for a written response as to why the delay occurred, I was given a vague statement and blanket apology, and no real reason for why the process was delayed, nor why the request was not made previously. 

Late this afternoon, the lender reached out to the title company to request a change to the closing date to next Monday, XX/XX/XXXX. 

As a result, I am incurring more costs in rent, and the seller is incurring more costs in their HOA fee and property tax which should have stopped after today.
Product: Debt collection

I received an 'Important XXXX Notice ' ( I never received a XXXX notice ) on pink paper on XXXX/XXXX/2015 from a company that did not even put its name on the notice - I found it in the return address. 

When I checked the XXXX, this company ( National Debt Group ) has had several complaints, and an 'F ' XXXX rating. An internet search brought up a plethora of complaints and actions against this company, including a Complaint pleading from the State of Oregon, that they were n't even set up as a corporation, nor were they registered as debt collectors. 

I have no outstanding unpaid debt, so I have no idea what debt this is supposedly about. The 'Est. Creditor Balances ' = {$20000.00} according to them, with a settlement offer of {$10000.00}. I am sure that this is a scam to scare people into paying money that they do not owe. I BEG YOU to look into this company and do something about this. These kinds of places are a scourge on our society. If I was XXXX or not too smart, they could very easily have duped me into paying money that I do n't owe. 

Thank you very much for all of your work!
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year>