23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I checked my credit report last month for the first time, I discovered that a credit card account was opened fraudulently on XX/XX/XXXX using my name with a false address. I promptly submitted a dispute via two of the credit agencies XXXX and XXXX. However, in both cases, the lender verified that the information was correct, and as a result the delinquent account, which the lender has charged off as of XX/XX/XXXX, continues to adversely impact my credit rating. The lending company is listed below, and I have never done any business with them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and my information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these negative accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My driving record is compromised because the insurance company I filed a claim with is reporting the accident as an at fault when indeed it was not my fault. 

XXXX is reporting this information incorrectly XXXX XXXX is reporting this I correctly Lexis nexis risk solutions and all other driving record reporting agencies are reporting incorrectly. 

I keep getting high insurance quotes because of the misinformation
Product: Credit card or prepaid card

Fraudulent charges were made on my credit card ending in XXXX in XX/XX/2022, totaling nearly {$1000.00}. I reported this card as stolen and the fraudulent charges to Bank of America on XX/XX/2022. Case no. XXXX XXXX XXXX XXXX. I have contacted Bank of America several times since XX/XX/2022, to inquire about the status of their investigation and to get the charges removed from this now cancelled credit card. The Bank is not responsive and has turned me over to a collection agency. When I call to get an update on the investigation I am put on hold for over XXXX hours and I do not receive a call back. I have not received a notice from the Bank acknowledging my fraud claim regarding these charges. The Bank continues to charge me interest and fees on these charges. When I go into the Bank and ask for help they tell me to go to another Bank as they do not care. I am XXXX years old and I need immediate help with this issue.
Product: Vehicle loan or lease

American credit acceptance is charging me exorbitant late fees daily right now it is up to {$1400.00} with an interest rate of 25 %. This is unfair to consumers, especially minority consumers who need an auto loan. They are not willing to reduce my interest rate or remove any of the late fees. This company is hindering my chances of paying the loan in full because of adding extra fees.
Product: Checking or savings account

in XX/XX/2021, After I transferred {$5000.00} from my XXXX  XXXX savings account to my capital one checking account there was an extra deposit to the account that I reported to capital one. They then froze the account and conducted an investigation that concluded in late XXXX XXXX they are unwilling to release my XXXX back to XXXX  XXXX until they can return the fraudulent funds as well. This has been over 6 months of frustrating phone calls with no resolution. every time i call them now, they tell me that the team who is handling the case does not have a direct line, and my only option is to leave a voicemail. I have yet to receive any calls from that team after leaving many voicemails. I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, and USPS Tracking XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is now showing my payments to BMW Financial services as " late '' over 7 occurrences which is false causing a severe point score drop on my scores. I have never been late with this account payment. They should correct immediately.
Product: Credit card or prepaid card

I was purchasing airline tickets through the XXXX XXXX website. Upon checkout I had a total of XXXX. I was then offered a promotion to sign up for the XXXX XXXX XXXX XXXXXXXX XXXX to obtain XXXX statement credit, XXXX miles, and free checked bags for my reservation. I submitted my application was intstantly approved for a credit line of {$13000.00}. There was a message stating the card was ready for immediate use to complete my purchase. After entering the information the transaction was not authorized due to a {$3500.00} initial purchase limit. I called citbank to ask to have the intital limit raised to complete my purchase, they said there was nothing they could do, I even escalated to a manager. This promotion was predatory and misleading. At the point of purchase where the amount was clearly over XXXX it should have been clealry stated I would not be able to use the card for the purchase in which it was being promoted for. I had to give my socail security #, now this card is part of my credit profile, if I cancel it because it was misleading I will have a negative impact on my overall credit score which could imapct my ability to purchase countless products, services, and assets moving forward. I am a prisoner to this card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ADDRESS C/O XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX TOTAL {$2200.00} XXXX XXXX  ADDRESS XXXX XXXX XXXX XXXX, TX XXXX XXXX {$2200.00} XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX TOTAL {$2700.00} XXXX XXXX ADDRESS POB XXXX XXXX, SC XXXX XXXX {$2700.00} XXXX XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX XXXX {$5000.00} Reach out to each one of these companies and ask them numerous of times to remove these account off my credit because i have no knowledge of them but they refuse. I'm guessing all these was done online somehow i'm not sure, but i need these gone off my credit asap. I then tried to dispute but nothing. I'm getting really frustrated with it.
Product: Credit reporting or other personal consumer reports

I noticed certain accounts on my consumer reports which are fraudulent accounts and i never gave them consent to furnish any information on my consumer reports if i did show me our contract that i have signed with a wet signature that i gave you permission to furnish information on my consumer report please delete these inaccurate and fraudulent accounts from my reports. I have disputed 3 times before and why arent these errors addressed or fixed since you have failed multiple times i need all these accounts deleted i have included all XXXX different disputes sent and received by your agents all tracking numbers are going to be provided in the evidence as well. So did you not receive my letters dated XX/XX/XXXX? 

Also dated XX/XX/XXXX? 

Also sent another letter dated XX/XX/XXXX? Did you not receive my letter with all the errors circled in red? I also outlined all the errors and incomplete data that you dont have to furnish this account 100 % accurately so delete the below accounts or i will have to seek legal remedy and i am trying to resolve this outside of litigation / and or arbitration so delete and remove these accounts that are hurting my credit XXXX XXXX numbers 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 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 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 XXXX
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. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it states that a consumer reporting agency can not furnish my account without my written instructions.

15 U.S.C. 1681 c, ( a ) ( 5 ) 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 dates 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

This is my several 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. XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I believe this account was opened back in XXXX Im not to sure but this is identity theft and i want this removed i did not male these purchases and i do not owe this debt that is not mine.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYST Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX XXXX - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, XXXX, and XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

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

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted. company information XXXX {$990.00}, XXXX {$80.00} XXXX XXXX XXXX  {$560.00}, XXXX {$3700.00}, XXXX {$2300.00}, XXXX {$2300.00}, XXXX {$3700.00}, XXXX {$1800.00}, XXXX {$1100.00}, XXXX {$1000.00}, XXXX {$1200.00}, XXXX  {$620.00}, XXXX XXXX  {$1200.00}, XXXX {$15000.00}, XXXX XXXX {$9500.00}, XXXX XXXX {$810.00}, XXXX XXXX XXXX {$20000.00}, XXXX {$1500.00}
Product: Debt collection

Cavalry sent a letter regarding a debt which i have no knowledge of, i submitted a letter via certified mail letting Cavalry know this debt isn't mine. They have continued reporting this account on my credit reports for months and its affecting my credit.
Product: Debt collection

In XXXX  when I was applying for the Alaska permanent dividend fund, the website was hacked and my information was stolen. Shortly after many accounts starting being placed in my name using the information that was stolen.
Product: Checking or savings account

On XXXX I filed a fraud complaint with Bank of America on my business debit card. I had checked my account that day and realized there were many charges that were not made by me. I called the bank immediately. 

I was give a case # XXXX XXXX XXXX XXXX and told they would be doing a thorough investigation and be getting back to me. I was also told an immediate credit ( for not the full amount but some would be on my account ) and after the investigation was complete the total would be credited. I also requested my card canceled and a new one sent to me. 

Two and half weeks later I heard nothing and called bank of America on XXXX to get an update. I was told my fraud case was denied because I did not report in a timely manner and because the purchases were within my normal spending habits. 

I can affirm that I did not make these multiple XXXX charges that appear on my business debit card starting XX/XX/2022. 

I can affirm it is not in my normal purchasing behavior to spend $ XXXX {$850.00} at XXXX  day after day and sometimes multiple times in a day. 

I can affirm that any XXXX purchase I have ever made on my business debit card is from my XXXX account and goes to one address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, WA XXXX I can affirm these purchases were not made on my XXXX account and DID NOT go to any address I associate with or ever shipped items before. 

I can affirm I called B of A within minutes of seeing what was going on. 

I am asking thorough investigation to be done because Bank of America did not do one, at all! Their lack of regard for this situation is terrifying as the amount is {$8500.00} + charges that ARE NOT MINE! 

Bank of America is not willing to look into this and I have been tossed off to the side and told they arent going to do anything more. 

I will be filing a police report as well. Please help me with this situation. 

Here is the second claim # they gave me when I called on XXXX XXXX XXXX XXXX I also found they did not cancel my debit card as I requested and did not send me out a new card. I had to ask again on my call on XXXX. 

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

In accordance with The Fair Credit Reporting Act the listed accounts Below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Transunion is furnishing inaccurate information on my consumer report. There is a hard credit inquiry by XXXX XX/XX/XXXX on XX/XX/year>2024 that I did not initiate or give consent for. This inquiry is a result of identity theft and needs to be removed immediately. I did not authorize this credit inquiry. I have already contacted Transunion directly to resolve the matter yet they refuse to take any action or acknowledge my claim. Transunion is required by law to furnish 100 % accurate information on consumer reports and they are not doing so. This inaccurate information is causing severe harm to my personal life and Transunion needs to be held accountable. I asked the representative on the phone to provide verification that this information is correct and they refused to provide this information. If there is clear validation that this inquiry was in fact made by me the consumer, please provide me the method and process used for verification. If this can not be provided, the inquiry needs to be removed immediately.
Product: Debt collection

This company has been acting as a debt collector, and did not disclose to me that they in fact are a debt collector when calling. They have repeatedly texted and called from different numbers and never disclosed that they were a debt collector when calling. They assumed it was conveient for them to call me before " XXXX ''. When it is in fact not convenient at all to receive calls or texts throughout the day. This is their official notice to cease and desist all communication with me, otherwise by the CFPB website, or by mail.
Product: Vehicle loan or lease

I was listed as a buyer on a car loan Contract that I did not agree to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to send letters to Experian for the past 4 months to notify them of an account that is over XXXX XXXX XXXX that is only reporting on my Experian to be removed. It is outdated and this is against the law to be reporting this on my credit report with incorrect information like this. It is preventing me from getting pre-approval for a new home. Please delete this information Experian is reporting from XXXX XXXX XXXX, Account # XXXX
Product: Vehicle loan or lease

Hello I just received a letter from Penfed stating they sold my account to XXXX XXXX XXXX for a balance of {$41000.00}. I come to find out there a debt collection agency. So I look into my credit report and it states it was closed on XX/XX/XXXX as a bad debt write off. I haven't receive a statement from Penfed almost a year. Several months back I sent Penfed a letter with a payment asking what my current balance was and never received a response. I would like to request how Penfed came up with the balance that they sold to XXXX XXXX XXXX. In my request please include the payment history, fees and the actual copy of the Truth in Lending Disclosure I signed as this will let me know what fees they can and can't charge me. Here are copies of the last series of payments sent to them. Also I never authorized Penfed to do a hard inquiry on my credit in the following dates XX/XX/XXXX nor XX/XX/XXXX. Thank you for your help. 

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

I received a copy of my credit report and am writing & complaining to dispute the following information that appears on my transunion report. 
Please verify or remove immediately the following account : XXXX XXXX XXXX XXXXI dont recognize this lender and account.Please remove this inaccurate information from my credit report. 



By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX, XXXX. XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My identity was stolen. There were credit inquires I do not recognize on my Experian credit report. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received a XXXX XXXX monthly bill statement from XXXX XXXX with charges from their credit card. I knew there was a mistake, because, my account had a XXXX balance. I called the company, they gave me the runaround having me to call back several times to provide the same information. I called multiple times to open the fraudulent case. They would open the case and then close it stating the card was in my possession. I did not know the card was lost or missing. I do not carry my credit cards. The company verbally provided dates that charges went against the account. I sent documentation sharing I was not in town during one of the transactions. After that proof, the company wants to whole me liable for {$6000.00} plus of damages that are ruining my credit report. I asked them to review the cameras. They told me they would not and for me to call the local police. I filed a police report. I did not have an account balance and I did not make the charges. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. BBVA USA account is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( BBVA USA XXXX )