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

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 
<br> 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

<br> 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5800.00} -This is not my account. 

<br> COLLECTIONS <br> 5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5600.00} -This is not my account. 
<br> 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8800.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report i noticed several inaccuracies regarding my student loans.On XX/XX/2016 closure of XXXX XXXX XXXX colleges where closed by the department of education due to reporting and lack of information they were mandated to keep XXXX College where i attended took out several loans without my knowledge.clearly fraud was committed at this school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ca n't get a free report. I first have to pay XXXX for a credit watch. No where does trans union have a link to go to free credit report.
Product: Checking or savings account

An wells fargo account was opened in California with stolen information. Account number XXXX was opened illegally. I called the bank and got transferred to a useless number then got hung up on and cant get in touch with any bank rep. I received a checking account statement in the mail and need to close this account and report this activity.
Product: Credit card

On XXXX XXXX I paid the amount of {$1200.00} from my electronic checking account, to Alphaeon credit XXXX. This amount was to be paid in full by XXXX XXXX, my XXXX payment was due by the XXXX. Alaphaeon told me on XXXX XXXX by phone that they didn't receive the payment until 12 days later, so now I owed {$1300.00} because payment was late. I have sent several correspondence from my bank showing I had made the payment, and also talked to several customer service reps. Alphaeon just keeps adding interest every month so on XXXX XXXX a representative told me that I should pay the amount of {$82.00} ( Minimum payment ) of the new balance of {$1200.00} and this would show good faith payment and would the satisfy account. Today I now owe {$1200.00}, XXXX XXXX. I feel this is unethical and I want my account to be credited for payment in full.
Product: Credit card

On XX/XX/2024, I received an email from Synchrony bank informing me that they would start charging my account {$1.00} for a paper statement beginning XX/XX/2024. 

The credit card company is giving consumers less than 2 weeks notice about a significant change to the credit card agreement.

This is a discriminatory practice, not all customers have access to online means to obtain and pay their bill. They should not be charged {$1.00} a month to receive their credit card statement.
Product: Credit reporting or other personal consumer reports

I am submitting my third request to have fraudulent items to be removed again from my credit report. I have already sent in a previous CFPB report to showcase my claims being an identity theft victim. During that event, I noticed that included 4 incorrect and erroneously added remarks for XXXX XXXX  ( XXXX cards ) XXXX ( XXXX card ) and XXXX XXXX  account ; all to be removed from my XXXX, Equifax, and XXXX accounts. 
This would also include any and all removal of inquires on these bureaus as well. 

This is a matter that was previously handled after sending in a full FTC report, Police Report, FTC Identity Theft Affidavit packet ( which was notarized ), my full-color copy of my license, social security card, and an official FTC statement along with a copy of 609B to properly explain my protection under the law for an obvious act of stolen identity for accounts I have no familiarity around. 

This was all completed in XXXX of 2024, and added back again in XXXX of 2024, I called back into each bureau by phone to re-verify that they received these items along with my CFPB report. Each bureau confirmed and took their time well over the 5 mandatory business days by law required to remove these remarks ( which ultimately worked again. However upon checking today [ XXXX XXXX, 2024 ] I have noticed that all these accounts were reinserted and should not have been after confirming that they were permanently removed by your group and the three bureaus after checking my credit report. 


I am extremely shocked and appalled that this will continue to happen. I request that these be removed immediately and compensated for the consistent and egregious reinsertion of these items from each credit bureau. This is negatively affecting my ability to refinance my home as rates continue to drop and making me spend unnecessary money on force-pulling my credit reports every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am lodging a complaint against TransUnion for inaccurately reporting unverifiable public record information, and other information on my consumer report and failing to conduct proper investigations and reinvestigations for years despite me launching several disputes with support. Please disregard CFPB complaint XXXX as it was missing a crucial document. Please see attached for more details.
Product: Mortgage

During the transfer of servicing the Insurance loss payee was not updated. I have had a loss and the check was issued to the previous servicer. Nationstar rep XXXX it was my responsibility to notify my insurance company.
Product: Payday loan, title loan, or personal loan

XXXX banking  took XXXX $ from my Chime account! I have XXXX XXXX on XXXX ; not Chime. I confused as too how they got my chime information they also have all my bank transactions, pay history, etc available for him to see on his XXXX account which is completely against the law! XXXX has already taken fees and the loan from my XXXX XXXX  account and now theyre just stealing! Ive tried reaching out, Its IMPOSSIBLE they will not answer nor respond! My bills are now past due because of it and Im at risk of losing my car because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX stated I opened an account with them on XXXX, 2017. I never opened an account with XXXX XXXX on XXXX, 2017. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity theft, and I want this fraudulent account remove from my credit file. I have also asked Equifax to remove and investigate this account, and they have refused to do so. Im not sure why Equifax is allowing a company to report fraudulent accounts to my consumer credit file. Please send me copies of where I signed credit card receipts since XXXX XXXX XXXX XXXX is saying I owe { {$1700.00} }. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax is not following The Fair Credit Reporting Act and I want something done about it!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company Liscense was REVOKED/VOIDED in XXXX, ( SEE ATTACHMENT ) which meant they had no right to attempt to collect a debt, call, harass or send a letter to me or anyone else. I have done more investigation and this ALLEGED debt suppose to have come from XXXX WHICH IS NOT MINE AND I HAVE NEVER HEARD ABOUT owing A Medical place/ hospital or doctor for this. They been harassing me EVEN WHILE THEIR LICENSE WAS REVOKED, Yet reporting this to my report in XXXX ONCE THEIR LICENSE WAS REISSUED. The last person to respon made it seem as if XXXX is the first time they reached out to me to try to cover their XXXX, THAT IS A LIE! This company has also been know to lie about willing to remove things then add them back months later. I will continue to investigate, and report this company anyway I can. AS i stated in my first complain I HAVE NEVER RECEIVD ANYTHING FROM A DOCTOR OFFICE, HOSPITAL OR ANYTHING SAYING I OWED THEM {$67.00} they are fraudulently reporting accounts that does not belong to people to collect money. The account does not belong to me. I called commonwealth and they advised me of the alleged company that reported this, I called that company and they informed me that they do not have any accounts past due or current, also even if an account was sent to collections it would still show in their system. WHICH PROVES THAT COMPANY NEVER SENT ME ANYTHING SAYING I OWE THEM! This should not be on my report, and should be removed! Commonwealth Financial DID not HAVE A LICENSE in the state of Florida IN XXXX TO COLLECT. Please look into this company their reviews by thousands of people they are committing fraud against. SEE ATTACHMENT!
Product: Student loan

My daughter lost her job ( and is still not working ) and was unable to pay her loan. I am the co-signer so Navient contacted me. My financial situation is not much better. We called Navient in XXXX and the representative was very helpful and said that she would need some materials but she would work to get our interest rate down XXXX It is currently at 12 %. ) and bring our payment down. She also said that we would not have to worry about the late payments because it would all be included in the program. My husband daughter and I submitted pay stubs and other documentation and waited to hear from Navient. After two weeks we did not hear anything so we called them. We were told that we were denied because my daughter showed that she was paying no bills. She was paying cash to her partner for living expenses at the time. Navient then asked for her apartment lease and copies of any bills that were paid by her. This was done immediately. Again, no word from Navient so we called them. This time the Navient representative was rude and condescending. He said that the deal was off the table because my daughter 's account did not work. She gave them all of the information so we did not understand what he was talking about. I told him about our situation and he said that we signed the loan and we had to pay it. I told him about how we were told that we qualified to get our interest and payment down and again he said the deal was off the table. I asked to get the monthly payments reduced and he said again that the deal was off the table. Currently we are paying {$430.00} a month. We were originally told that we would get a {$250.00} payment when they brought the interest down to a normal rate XXXX 4 % I believe ). It will be a struggle to pay the {$250.00} but it is a lot easier than {$430.00}. The explanation given to us by the rude Navient representative made no sense. Why would we be denied because of an account error? We were working with the representative to reduce our payments and then it is " off the table ''. I made the account current and have been paying the loan but I do n't know how long I can keep this up. Is there some way we can get the payments down in the {$250.00} range?
Product: Debt collection

We were notified via XXXX that equipment had not been returned and failure to do so would result in collection. We were informed after we had already moved. We quickly found all equipment and sent it back via XXXX as per request from XXXX. That is the last we heard from them. We were not notified of cancellations fees or any other fees associated with terminating due to moving. Had we known we would have corrected this issue before they sent it to collections. Now it is hurting are ability to close the mortgage on our home.
Product: Debt collection

I am not responsible or liable for this debt with JPMBC, I don't have a contract with them, they did not provide the original contract as I have requested
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX  XXXX XXXX, Account number : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX Account number : # XXXX XXXX  XXXX XXXX, Credit Report : # XXXX, Credit Report : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$230000.00} XXXX XXXX Balance : {$10000.00}
Product: Debt collection

Back in the early month of XXXX XXXX  I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. 

I
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report or I believe someone applied for something in my name. 
XXXX XXXX XXXX inquiry date:XX/XX/XXXX
XXXX XXXX XXXX inquiry date:XX/XX/XXXX
XXXX XXXX XXXX inquiry date:XX/XX/XXXX
XXXX XXXX XXXX XXXX inquiry date:XX/XX/XXXX XXXX XXXX XXXX inquiry date:XX/XX/XXXX
XXXX XXXX inquiry date:XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry date:XX/XX/XXXX
XXXX XXXX inquiry date:XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I log into Credit Karma its not showing me an updated score.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( BlockInc. ) Due to inadequate customer service and unfair practices. Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution was unfair and deceptive, as they did not comply with Error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XX/XX/XXXXXXXX XXXX : {$0.00} XXXXXX/XX/XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXX/XX/XXXXXXXX Balanced {$3500.00} XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXBalanced {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/1987 SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to formally dispute inaccurate and incomplete information on my credit report, which has had a significant negative impact on my life. I kindly request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Fair Credit Reporting Act ( FCRA ) Violations : Incorrect Personal Information ( Name - XXXX XXXX ) : Violation of 1681c. Requirements relating to information contained in consumer reports. 
Incorrect Personal Information ( Date of Birth - XXXX ) : Violation of 1681c. Requirements relating to information contained in consumer reports. 
Incorrect Reporting of Account Information ( XXXX XXXX  XXXX - Account Number : XXXX ) : Violations of 1681e, 1681i. Responsibilities of furnishers of information to consumer reporting agencies ; Responsibilities of users of consumer reports regarding investigative consumer reports. 
Incorrect Reporting of Account Information ( XXXX - Account Number : XXXX ) : Violations of 1681e, 1681i. Responsibilities of furnishers of information to consumer reporting agencies ; Responsibilities of users of consumer reports regarding investigative consumer reports. 
Incorrect Personal Information ( Employer - XXXX XXXX ) : Violation of 1681c. Requirements relating to information contained in consumer reports. 
Incorrect Personal Information ( Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ) : Violation of 1681c. Requirements relating to information contained in consumer reports. 
These violations have had a profound impact on my life. The inaccuracies and incomplete information have led to denials of credit applications, increased interest rates, and emotional distress. The stress caused by these issues has affected my sleep, health, and overall well-being. Imagine constantly feeling like your financial history is misrepresented, making it impossible to achieve the milestones you've worked so hard for. 

I am now at a point where I'm struggling to secure reasonable loan terms for important life events such as purchasing a home or obtaining reliable transportation. I am reaching out to you in my pursuit of justice and fairness, as I believe these violations have not only hurt my financial stability but have also affected my mental and emotional health. 

I kindly ask that the Consumer Financial Protection Bureau takes action to enforce the relevant laws and ensure that these violations are addressed promptly. Specifically, I request that the following unverified accounts be removed from my credit report : XXXX XXXX  XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) I appreciate your attention to this matter and the assistance you provide to consumers like me who strive for a fair and accurate representation of their financial history. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The total amount were rebills XXXX. These charges were for a cruise that i had cancelled in XXXX for the upcoming cruise in XXXX. The gave me back some of the monies i paid but held back XXXX claiming they could not in touch with the merchant and that would be my responsibility. Are they crazy?? Covid was in play at the time in fact they cancelled the first cruise that was due to sail in XXXX  and did not sail, so they rolled my account over to the following year for another cruise, which again covid was in play. At one time my credit score was XXXX they have cut me down to XXXX for non payment of services and or good i never received. They claim the chargeback amt was over the threshold. Capital one is the most unscrupulous person i have ever dealt with. They should return my monies and. All charges on top of what they should have refunded are interest and late fees. I have spent over 40 hours on the phone with them to no avail. They kept telling me it will probably come and it never did. I suspect they charges were refunded by the cruise line and capital one will not furnish me with any communication they had with the merchant
Product: Credit reporting or other personal consumer reports

Greetings! I am reiterating this complaint to follow up on my previous submission dated XX/XX/2023. Once again, I have re-attached my new FTC Report # XXXX. I anticipate receiving my monthly credit report within 15 days and expect deletion updates at that time. Kindly remove the reporting of the following items from my credit file, which are the consequences of the alleged identity theft : -- -- -- -- -- EXPERIAN : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 -- -- -- -- -- XXXX : XXXX XX/XX/2023 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 XXXX
Product: Debt collection

I do not know who this creditor is, However I believe fraud is being committed, this entity is reporting to collection accounts that I do not, nor have ever add. I feel they have just found someones information or traded information and posted it to my report with all three major bureaus. Both with balances above {$1.00}, XXXX dollars.
Product: Credit card or prepaid card

Goldman Sacs - Apple Card. 

Im going through a financial hardship and Ive repeatedly ask Goldman Sacs for a long term payment plan in order to pay back my balance. They offer the ability to skip a payment and other extremely short term options that are of absolutely NO help. Ive probably called them 20 times asking for help. I explained how other banks are closing the account and reducing the interest rate to XXXX and allowing a long term plan. They repeatedly tell me that I would have to wait until the system says Im eligible and then today Im told I had to wait until Im 180 days delinquent with my account in order to be eligible for such a plan. That is insane. They want to ruin your credit before you can even be eligible for a long term payment plan with them. This is completely unfair when I am doing everything I can to communicate and keep in touch with them and explain what is going on with my situation. All my other banks have offered so much help but they offer NONE!!! They should be shut down!