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

I wanted to get my free credit reports online, from the three credit reporting agencies, using the website XXXX. There was some sort of glitch and the website said I could not get them online, that it would mail them to me. Then I tried calling using the number XXXX to talk to someone so I could get the reports online. This is an automated line and it said it would mail them to me. My complaint is there is no phone number for customer service or their corporate offices to redress any of my issues with their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I got behind in my payments, but was never put up for repossession. In fact I have had the car for 2 years making my payments and I was never up for repossession. I early XX/XX/XXXX I went online to make the payments to get back on track and discovered I no longer had an account. I contacted the company and they informed me that my account had been charged off on XX/XX/XXXX. No being a business guy I only assume they did this because the company had changed names and they wanted to get rid of " bad debt '' under the old company name. This is a nationwide company I am speaking of. The company is Bridgecrest formerly XXXX. I received no correspondence from them regarding the charge off. No a letter, email, or phone call. So here were the terms of what they offered me. I could pay the past due amount and then make monthly payments and keep the car till it was paid off. Yet, on my credit report it would show as an account closed and a charge off. Which in turn no shows up as a repo and a past due balance of almost {$7000.00} which is not the case! I have made every payment on the vehicle and still have it in my possession. They also refused to provide me with any paperwork about the new agreement. They have refused to budge on the credit report issue and stated that even when the car is paid off they will not change it and it will still be listed as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax report is not showing and no scores or account is available. 
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit card

I went on my credit report found this on there and me as a authorize user which I never applied or had this card this is fraud please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so puzzled of what is happening with you ( CFPB ) and the bureau ( TRANSUNION ). I've submitted this complaint 3 times & you are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of XXXX XXXX XXXX XXXX  It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX
Product: Debt collection

BULLCITY FINANCIAL SOL at XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX has been sending me collection notices in the amount of ( {$320.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like this collection removed from my credit report with all 3 agencys XXXX, XXXX and XXXX immediatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 9 accounts on my credit report reporting on three bureaus that do not belong to me. These accounts were opened fraudulently and I have not signed nor applied for this. 
XXXX XXXX  XXXX - Acct # XXXX XXXX {$20000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX -Acct # XXXX Amt {$5200.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  Acct # XXXX Amt {$3500.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX Amt {$5700.00} OpenedXX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Acct # XXXX Amt {$5300.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Acct # XXXX Amt {$6000.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Amt {$20000.00} Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018 I have submitted multiple disputes regarding XXXX XXXX XXXX. I do not owe this account and it is consistently being reported as inaccurate which is a violation of my rights and the Fair Credit Reporting act.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

US  BKPT CT XXXX XXXX XXXX  Ref # XXXX ( Experian ) US BKPT CT AR XXXX  R Ref # XXXX ( Experian ) XXXX XXXX # XXXX ( XXXX ) XXXX XXXX # XXXX ( XXXX ) U.S. BANKRUPTCY COURT Ref # XXXX ( XXXX ) U.S. BANKRUPTCY COURT Ref # XXXX ( XXXX ) XXXX XXXX Ref # XXXX ( Experian ) XXXX XXXX Ref # XXXX ( XXXX ) XXXX XXXX Ref # XXXX ( XXXX ) XXXX XXXX # XXXX ( Experian ) 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( XXXX ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 

15 USC 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX 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 am looking for a refund on a fraudulent credit card payment with XXXX XXXX and money for my trouble. XXXX  XXXX does not seem to want to get back to me regarding the issue. 
What should I do? Please investigate the total amount I paid. I also requested XXXX for my trouble. 

Also, XXXX won't seem to take something off my credit report.
Product: Credit card or prepaid card

On XX/XX/2022 someone applied for a Ikea credit card in my name
Product: Credit reporting or other personal consumer reports

I am writing to report unauthorized inquiries that have recently appeared on my credit report. These inquiries were not initiated or authorized by me, and I am concerned about potential identity theft or misuse of my personal information. 
The inquiries in question are as follows : XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX  ( Bank ) - XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) - XXXX XXXX, XXXX XXXX XXXX  ( Auto ) - XX/XX/XXXX XXXX XXXX XXXX  ( Finance XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank XXXX XXXX XX/XX/XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX XXXX ( Bank )- XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Auto ) - XX/XX/XXXX XXXX XXXX XXXX ( Auto ) - XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) - XXXX XXXX, XXXX XXXX XXXX ( Finance ) - XXXX XXXX, XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX I have not applied for credit or authorized any inquiries from these entities. I am requesting your assistance in investigating these inquiries and in taking the necessary steps to remove them from my credit report. 
Please advise on what additional information or documentation you may need from me to assist in this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to resolve it.
Product: Payday loan, title loan, or personal loan

I took out a {$6000.00} personal loan with Avant on XXXX XXXX. Therefore it has been approximately 6 years and 8 months since the origination date. 

During the time, Ive encountered numerous financial difficulties. At times, payments were missed or I was set up on a payment plan. However I have been current on this loan now for many years despite these struggles. 

To date, I have paid {$9900.00} to Avant for this {$6000.00} loan. At this time, only {$840.00} has been paid towards principle., meaning I have over {$5100.00} in principle only to pay off on this loan according to them. 

While I understand at times I have been on a payment plan, or pushed payments to the end of the loan, I have still paid {$3900.00} in excess over and above what was lent out to me. Avant- has made a profit on my loan. 

With these extensions and payment plans, it is not clear at all how I can still owe this much remaining on the loan. There is nothing clearly spelled out saying so in my loan documents. At best it is confusing, at worst it is deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$130.00} Status Closed. 
XXXX XXXX XXXXXXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to apply for medical emergency loan for a close family member from my credit union however when they try to pull my Equifax report they are getting that there is a freeze on my report. However I've called Equifax numerous times and was told each time there is no freeze or extended fraud alert. I was even told by Equifax to fax a copy of my driver 's license and social security card to resolve the issue. This has been going on for approximately a month and I keep getting the run around. This is what is reporting on my Equifax Report : Review this summary for a quick view of key information contained in your Equifax Credit Report. 
Report Date XXXX XXXXXXXX XXXX Credit File Status : Fraud Victim ( associated with trade ) File Blocked For Promotional Purposes. 
No one at Equifax can give me an explanation of what this means. The representative at my credit union is stating that on her end is showing as a block/credit freeze.
Product: Money transfer, virtual currency, or money service

I have a tenant name is XXXX. He sent me {$2500.00} per month for the rents. On our contract, it always XXXX. XXXX he sent me additional {$700.00} which I tried to return to him through XXXX XXXX But accidentally I made the mistake on his phone number last 3 digit XXXX which should be XXXX. So I sent the wrong person {$700.00}. I called BANK OF AMERICA immediately. They knew I sent a wrong person for sure from my records of my checking account. I filed a complaint but they said they can do nothing. I dont feel I was secure enough from this service.
Product: Payday loan, title loan, or personal loan

I purchased a mattress through Acima credit. I was supposed to receive an early buy out in 3 months. The company never contacted me though mail, phone, or email. I called the company today to see what was going on. They said they had sent emails and they had all " bounced back '' even though the email on file was correct. I never received a copy of my contract or even an account number. My financed amount was {$350.00} and now my account is over {$400.00}! I have made every payment though the auto draft through my bank account but they will not offer me the original buy out even though I never received any information on it. They were clearly negligent. They even admitted that they never tried to reach out to me. This credit company seems like a scam to me! They told me their hands were tied and refused to make the original buy out deal with me even though there is clearly an issue on their end with correspondence.
Product: Debt collection

I was a loyal Macys customer since XXXX. Then around XXXX, I was out of work for several months due to my XXXX XXXX and was n't able to keep up with my credit card payments. When regained employment, I started making settlements with the various creditors I owed. Macys was my top priority, so I entered into a settlement agreement with them. Now, in XXXX, I am seeing that they are reporting that I still owe them {$1300.00} in credit card debt, which is not only inaccurate but devastating to my credit score.
Product: Credit reporting or other personal consumer reports

I'm am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with Online Information Services, they did not provide me with the original contract as I requested.
Product: Credit card

My credit card company, Bank of America, did not protect me from a merchant who made fraudulent misrepresentation inducing me to enter into a transaction with them.
Product: Checking or savings account

I was selling some speakers on XXXX XXXX  and someone messaged me saying they were interested in buying them and that he would XXXX me the money it turns out that guy was a scammer and did a fake XXXX account so that I could send him my money and not get my money refunded like he said. I called my bank and told them I wanted to file a dispute but they said they couldnt do anything about that because it was a XXXX transaction and that they couldnt return my money
Product: Credit reporting or other personal consumer reports

TransUnion is reporting an account on behalf of XXXX XXXX that does not belong to me. This fraudulent account was established in XXXX. I have never resided in XXXX.
Product: Debt collection

I am so furious that any company can have power to mess up your lifelyhood to that extent without one 's knowledge most of the time, and they walk away free like this???. Inaccuracies on credit reports costed a lot. I stumbled on my credit report found out that a company named CKS Prime Investment claimed I own them money which I had no clue about. I never entered any agreement nor made any transactions with them. I tried calling them, no info. I filed complaints to the credit bureaus to remove the information so far, no success. 
I can't believe it's that easy for companies to target your life without consequences and no one says anything about it. I have no real address for this company, no manager to speak to in order to formally have this information removed from my credit report. 
I am against these 3 bureaus which allow such practices without reaching out to costumers. I would have never known otherwise that such injustice was hanging on my head.
Product: Student loan

I questioned them about a 60 day lateness on my credit report from XX/XX/XXXXand explained that I have been on XXXX XXXX since XX/XX/XXXX. So I was either in an XXXX status or XXXX XXXX status. They stated they were not showing a lateness in their records. They asked me to send over a copy of my credit report so they can have it removed. My first call was XXXX XXXX, XXXX and email. My next email was XXXX XXXX, XXXX. On XXXX XXXX they responded and requested another copy of my credit report. On XXXX XXXX XXXX I sent another copy of the credit report. I have not heard anything and the items are still showing on all XXXX credit reports. I would like for them to remove the derogatory items from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not fumish a eccount without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Seclion States : no consumer reporting agency may make a consumer report containing any of the following items of information Any olher ad item of information, olher than records of convictions of crimes which antedales the report by more than seven years. 
1 I want the CFPB to publish this description on consumerfinance.gov Account # : XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the XXXX XXXX XXXX in regards to inaccurate inquiries reporting to my credit reports. I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Product: Consumer Loan

I opened a loan with Santander XX/XX/XXXX and was financed XXXX at 16.99 % interest rate on my loan for 72 months which should equate to {$26000.00} in finance charges equaling a monthly payment of {$370.00} and I have been paying {$370.00}. I made my payments accordingly over the next 4 years. I tried refinancing my loan in XX/XX/XXXX as well a trade in my vehicle around the same time. Come to find out I was severely upside down and no one would finance me a new loan with my vehicle as a trade or refinance because my debt owed was to high. At that time I allowed my vehicle to repossessed due to the amount owed. I feel I am a victim of a predatory lending from Santander and now my credit history is be slandered and portrayed worse than it actually is by Santander as well. I have disputed the reporting of my account as per my rights of FCRA due incorrect payment history reporting, first date of delinquency on my account repeatedly reported inaccurately, a charged off account reporting open 9 months after repossession, as well as being billed car payments after the repossession monthly adding further debt to my past due amount. I paid over {$15000.00} over the four years that I owned the vehicle and recently discovered that I have been charged unfairly resulting in a higher car payment and erroneous finance charges I have paid more than enough and I been subject to unfair damages. Per state law I am to receive a notice after repossession regarding the sale of my vehicle as well as a statement after the sale, I have did not receive any of the required notices that I am entitled. Due to the unfair predatory loan and false credit reporting action I am requesting full deletion of Santander accounts on are 3 major credit reporting agencies ( XXXX, XXXX, and XXXX ) I have enclosed some documents for your review take note of the federal truth in lending section in regards to my finance charges and monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

A charge off can not be reported late on my consumer report and a charge off can not have an amount to the alleged debt pursuant to Federal Law. It is already balanced in XXXX and I can not pay this alleged debt on a default note. 

Validate the debt and show me on and off ledger if information needs to be correct and addressed. Show me documentary evidence of alleged debt. Also we should run an forensic file audit to make sure alleged debt is accurate. 

Pursuant to 15 USC 1681 ( c ) ( 2 ) ( a ) this alleged charge off account needs to be removed off my report within four days.

This false and inaccurate information has hinder me from using my credit for personal, family and household purposes and I was not able to utilize my rights as a consumer due to false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an account with MACY'S/DSNB opened on XX/XX/2006. I contacted Macy's to see if I ever had an account with them or if they had any information regarding this debt with a reported balance of $XXXX. Macy's informed me that they did not have any information on file registered with my name or social security number. I then contacted the credit company, and I asked them to provide me with more information regarding this debt. I was told that there was no information on their side other than the principal and amount due. In XX/XX/2006, when this charge account was open, I was XXXX  years old. It would have been impossible for me to open a credit card. I explained this to the creditor, and I was told there was nothing they could do, other than try to collect the amount. This Macy's credit is one that appears on XXXX report.
Product: Money transfer, virtual currency, or money service

PayPal claiming a charge will appear on my statement as payment to PayPal. 
XXXX XXXX {$910.00} Payment sent to XXXX XXXX Credit Card {$910.00} USD email used : XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Report Act. The list accounts below has violate my federally protected consumer rights to privacy and confidentially under 15 USC 1681.XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violate my rights 15USC 1681 section 602 A states I have the right to privacy 15 USC 1681 604 states a consumer reporting agency can not furnish an account without written instructions 15 USC 1681c ( a ) ( 5 ) section : No consumer reporting agency may make any consumer reporting containing any of the following items of information any adverse item of information other than records of convictions and crimes which antedates the report by 7years 15 USC 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that its is inaccurate