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

My daughter applied for a XXXX XXXX XXXX  from XXXX XXXX. She went to their site to see if she would prequalify for a card without any impact to her credit bureau score. The pre-qualify said she didn't qualify so she used me as a co-signer, again using the prequalify on-line application. We were both denied, end of story. Unfortunately XXXX XXXX  reported the denied application to all 3 credit bureaus as a declined loan, thus lowering my score between 3-9 points. This was supposed to be a prequalify, not an actual application.
Product: Credit card or prepaid card

Capital One Sent me a bill for interest after having paid off the balance of my credit card. They do not give an actual payoff balance when you call in. They give you a minimum due, a last statement balance, and a current balance as payment options. Apparently the current balance option is not actually the current balance because they are not including the interest for the previous billing cycle.
Product: Credit card or prepaid card

Around XX/XX/XXXX I attempted to access my Chime account via app and it said I was locked out. Then stated my account was frozen. I received multiple emails from bill I had paid stating it had been credited then reversed. I attempted to reset my information but was declined by Chime. I followed the steps as directed and sent in a copy of my ID, ss #, email address, date of birth, and all info requested to their support email. I called on XX/XX/XXXX and still no resolution. They have my ssi check. I can't buy food, or my bus fare to get around as needed. My phone is going to be turned off and my XXXX has already been cut off due to this error. More emails keep pouring in but no one will tell me anything. I contacted again today XX/XX/XXXX and they requested more info from me as I have emailed them again what was requested but no info given or when I can have my funds or access to my CHIME account.
Product: Debt collection

This debt isnt mine. I've never been to New York. Ive never had XXXX and never owned an ipad. 

Identity Theft AMSHER COLLECTION SERV Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 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 of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Product: Payday loan, title loan, or personal loan

The debt collectors have released information to a third party about a civil lawsuit against me. I have repeatedly asked them to stop calling any third partys & they continue to harass them
Product: Credit reporting or other personal consumer reports

Hello and good day, please read this complaint carefully as this is very concerning. There are credit inquiries on my report that I don't recognize which seems to have been done online as I don't ever remember applying to these companies, they have accessed my credit report without my knowledge and permission to do so. I did not authorized these and are fraudulent, this is causing me unnecessary XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX 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 AND XXXX. 

Account Name : XXXXXXXX XXXX XXXX  -DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXDATE OPENED XX/XX/XXXX Account Name : XXXX  ACCOUNT XXXX XXXX XXXXDATE OPENED XXXXXX/XX/XXXX
Product: Checking or savings account

USAA closed account sent memo that account would close the same day accepting a deposit and now it will take 60 days to release VA XXXX check that was deposited into account. Accepted deposit the same day of closure and will not release funds. There is no balance in checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 2. The inquiry was not authorized XXXX XXXX  XXXX XXXX XXXX of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX XXXX  XXXX XXXX XXXX of inquiry : XX/XX/XXXX Delete this account. 
9. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Delete this account. 
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
12. The inquiry was not authorized XXXX XXXX  XXXX XXXX XXXX of inquiry : XX/XX/XXXX Delete this account. 
13. The inquiry was not authorized XXXX XXXX SER Date of inquiry : XX/XX/XXXX Delete this account. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
15. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
17. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
18. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I requested XXXX to remove an account from Discover Credit Card from my credit report as it was fraudulently opened and under a name that was not my mine. They refused and claimed the information was verified. However, I have my ID and birth certificate to prove that this account is not under my name so it does not even belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX XXXX XXXX  and may have gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response Last ( XX/XX/2022 ) that you need my updated email address which is XXXX. When I investigated my credit report, I realized that some of the information was erroneous. Transunion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below and DELETE instantly from my file : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and I do not recognize nor did I authorize the following Inquiries listed below! 
XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX TX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion HMF - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Used XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXXXXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to have JPMCB CARD vaildate a debt they have listed on my credit report that they claim I owe. My first letter, sent on XX/XX/2021, was responded to with a letter asking me to provide more information about this so called debt. As you will see in the letter attached that I received, it contained XXXX validation information for this debt. No supporting documents to prove this is my debt, such as documentation bearing my original signature, has ever been provided to me as requested. I then sent a second letter on XX/XX/2021 requesting this information be removed from my credit report if they are not able to provide proper validation of this debt. I have given JPMCB CARD more than 60 days now to delete and resolve this issue and no response with valid proof has been given. According to the FCRA, JPMCB CARD has violated my rights as a consumer and I'm requesting this account be removed from my credit report immediately.
Product: Credit card

I received a payment card with the XXXX logo from Block Inc. ( Cash App ). I never requested this card, do not want this card, and do not actively use Cash App. Unless I'm mistaken, sending someone an unsolicited payment card is a violation of Regulation Z Truth in Lending Act.
Product: Debt collection

These account do not be long to me 15 usc 1692g 15 usc 1692c ( c ) XXXX XXXX XXXX XXXX XXXX AMOUNT : {$240.00} ( THIS ACCOUNT DOES NOT BELONG TO ME! )
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items 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, 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 confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : 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 an 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 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer 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

XXXX  months ago i added a fraud alert on my equifax credit report, i called to have it removed in XX/XX/year>, but its still on my credit report. i would like them to remove this fraud alert from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 card or prepaid card

I was instructed to pay my debts when utilizing a FHA home loan. I mailed a check to SELF Financial to pay the balance on the credit card as well as the credit builder loan balance. SELF mailed those back. Then I was instructed by the loan agent to pay via ACH from the account the checks were drawn from. SELF denied those payments then closed both of my accounts with no communication, no ability to dispute, nothing. 
That has been more than 30 days ago ( XXXX XXXX  ), I have contacted self multiple times and they have told me it is under review and that they can not discuss the timelines. They have negatively impacted my credit with no ability to dispute and are holding my money hostage with zero communication regarding when I will receive my refund.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The credit bureau has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. They have reported false addresses and names under my credit which is getting me confused with another person. 

My Name is XXXX XXXX - No other ways of spelling it should be deleted My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I have lived here for over 7 years and is my only address Please delete every other address. They are not associated with me. 

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 an 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: Payday loan, title loan, or personal loan

On XX/XX/2023 I made a small payment of {$50.00} due to saving money for my XXXX XXXX XXXX sons XXXX. Ive explained this to the company. The representative let me know that on XX/XX/XXXX I will receive a follow up call but instead a payment was taken out for the amount of {$270.00} without my consent. There was no payment schedule established and they used my card.
Product: Vehicle loan or lease

I filed an original complaint with CFPB on XX/XX/2019 regarding deceptive practice by the XXXX XXXX location from where I originally purchased the vehicle, complaint # XXXX. My wife and I made multiple trips to the XXXX XXXX location and spoke with the General Manager, XXXX. Multiple egregious errors were made on their part and their company continues to harass us and ruin our credit. The corporate office issued a letter in response that they were " investigating '' the situation and never responded after that until this week, via a collection agency that is claiming we now owe over $ XXXX. It looks like I need to hire a lawyer and sue XXXX for harassment. 

I will attach the entirety of the previous complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 has also states a consumer reporting agency can not furnish a acount without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$660.00}
Product: Debt collection

Subject : Cease and Desist Request Regarding Violation of 15 USC 1692c ( c ) Dear CFPB, I am writing to report an incident of unauthorized debt collection attempts made by CREDIT COLLECTION SERV. Despite the debt not being owed by me, CREDIT COLLECTION SERV persistently attempted to collect it, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ). 

The incident occurred over the past [ time period ], during which CREDIT COLLECTION SERV repeatedly contacted me, claiming that I owed a debt to CREDIT COLLECTION SERV. However, upon investigation, it was discovered that this debt was not mine and was, in fact, a result of identity theft. Despite providing evidence and documentation supporting this claim, CREDIT COLLECTION SERV continued their collection attempts. 

Furthermore, CREDIT COLLECTION SERV repeatedly contacting XXXX, XXXX, and XXXX on a monthly basis regarding this unauthorized debt. This violates my rights under the FDCPA, as it constitutes harassment and false representation of the debt, as outlined in 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ). 

Numerous attempts were made to communicate with CREDIT COLLECTION SERV to cease their collection efforts and rectify the situation. However, they persisted in their attempts to collect the debt, disregarding my rights as a consumer. 

As per the FDCPA, debt collectors are prohibited from attempting to collect debts that are not owed by the consumer and from engaging in harassing or deceptive practices. The fine for violating these provisions can range up to {$1000.00} per violation. 

I urge you to take appropriate action against CREDIT COLLECTION SERV to ensure that they cease all collection attempts related to this unauthorized debt, refrain from contacting the credit bureaus, and to impose the appropriate fines for their violation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Last month, I have opened up my first credit card from capital one. I have found out on my credit report that there has been another credit card ( capital one ) that someone else has been using for the past few years. I see someone else 's address and phone numbers on the credit, so I have just removed them now. I took a picture of it before I had deleted that person 's PO box address and phone numbers. The card that the other person has been using still has a balance of {$790.00}.
Product: Credit card or prepaid card

It has come to my attention that the financial department of Wells Fargo & Company, may not have the ability to loan its own money or money of its account holders. Notice the existing credit card agreement which am in question of the credit that was allegedly loaned. Please provide evidence of the money that was loaned to me for family and household purposes. Notice, repayment needs to be made only in equivalent kind. Notice, this be a matter of emergency. Notice, am demanding for the bill to be zeroed out each and every bill cycle upon lack of supportive documentary evidence.