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

i am a victim of XXXX XXXX someone has used my personal information to obtain services and goods using my identity, that being said i have contacted all XXXX credit reporting agencies and they have failed me many times in regaurds to this matter! .i am running out of options and i connot afford any attorneys at this point so this will be my last attempt to file this complaint. but i have been a victim of XXXX XXXX and someone took my personal information and decided to open many fraudulant accounts and fraudulant address as well.please remove and block all the fruadulant accounts and address off my 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 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

This is my 8th 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 an alleged fraud or extortion. 


XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance XXXX {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Experian are furnishing data from XXXX XXXX for a bankruptcy and the courts have stated they did not provide this information to any of these entities.
Product: Credit reporting or other personal consumer reports

I HAVE TURNED IN FTC, THIS ACCOUNT FROM XXXX XXXX XXXX IS A UNKNOWN ACCOUNT AND NOT MINES. THE BUREAUS ARE NOT BEING HELPFUL I HAVE CALLED FOLLOWED ALL STEPS AND THIS IS STILL REPORTING ON MY CREDIT.
Product: Credit card

In XXXX this year, I was on a business trip to XXXX XXXX , USA. Due to work reasons, I needed to extend my stay in the US. I searched for hotels on XXXX and was recommended XXXX to book my room. After booking and submitting my PayPal information, I received notifications from my credit card bank indicating charges. I received two text messages indicating identical charges, and my total credit card balance decreased, which made me suspect a double charge. I immediately reported this to PayPal. Without my consent, PayPal canceled my payment to the hotel booking platform. However, I was unaware that my booking was canceled until the day before I was supposed to check in, when I checked the hotel information and found my reservation had been canceled. Since my hotel booking was non-refundable, I immediately called the hotel platform. The platform advised me to contact PayPal. When I contacted PayPal, they did not resolve the issue. I received an email from the hotel platform and immediately replied, requesting that my reservation not be canceled. I explained that the cancellation was done by PayPal without my consent. Despite my attempts, I never received a response from the hotel platform, only repeated identical email messages from them, which ultimately led to my inability to check into the hotel.

I have made multiple attempts to contact PayPal and submitted my refund request, but to this day, the issue remains unresolved. PayPal has never seriously investigated or understood the problem, merely inquiring about my order with the hotel platform. The cancellation of the order was not initiated by me but was processed by PayPal without my consent, leading to my inability to stay at the hotel. I now demand that PayPal refund the hotel charges for the stay I was unable to complete and apologize for their negligence in handling this matter.
Product: Payday loan, title loan, personal loan, or advance loan

I have a loan with one main financial and they repeatedly overdraft my checking simultaneously for payments
Product: Credit reporting or other personal consumer reports

I was made aware of a huge decrease in my XXXX XXXX in XX/XX/XXXX, after looking into all three credit bureaus I noticed an account that was incorrectly reported as an adverse account on Transunion. I disputed it and was told it was updated and was a satisfactory account and has been reported as paid as agreed/never late. I also called the credit lender for the account and was told that there was never a late payment on the account, they had reported this to Transunion on the dispute I filed and told me to wait up to XXXX months for them to update the information. I also called Transunion for information and they told me I had XXXX accounts with late payments and every account was satisfactory. XXXX is also reporting that I have XXXX account that has a late payment of over 60 days, yet when I call them and look over my entire credit report, there is no account with a late payment and they tell me they can't help me because they don't see this delinquent account. I also called XXXX and requested my scores and information from each bureau, and XXXX shows XXXX late accounts, and XXXX and Transunion both show XXXX account with a late payment, but can not tell me what account as when they look in their records, there isn't XXXX. I paid for an account with XXXX and requested my credit reports from all three bureaus, which has shown that XXXX and Transunion are reporting a negative account, which is XXXX XXXX, but again when you look into this account it states account paid satisfactorily and never a late payment. I even called XXXX XXXX for this account and was told there was never a late or missed payment and they have no idea where this information came from. This account was closed in XX/XX/XXXX. This is severely hurting my XXXX XXXX and hurting me financially, and no one seems to know where this inaccurate information is coming from. The credit bureaus keep telling me there is nothing they can do and I have to call XXXX for them to fix it. When I call XXXX they tell me there is nothing they can do, they get their information from the credit bureaus and I need to call them to fix it. I was also told by XXXX to call a XXXX XXXX, which I did, and they did not have any advice on what to do either. I also contacted a lawyer who told me to file a complaint, and then possibly sue.
Product: Credit card

US Bank sent me a confirmed offer to apply for a Business credit card. When i applied, the application is rejected. Why in the world, US Bank sent this kind of unsolicited offers when they are going to reject the application?
Product: Credit reporting

I have an account with TransUnion that allows me to view mt credit report and credit score. The score that Transunion publishes is called a XXXX ( TM ). They listed my score as XXXX. I contacted a mortgage company for a Refinance, and they told me that based on their model, my score is XXXX. Even though I understand that there are different criteria and methods for calculating a score, one would not understand there could be such a large discrepancy. I was mislead by the high score calculated by Transunion criteria. Now I am at a great disadvantage having made plans to refinance at this time.What recourse do I have, since I am dissatisfied with the service I have paid for with TransUnion for XXXX years at {$17.00} per month? By the way- the lender called the scores entered by the credit bureau services " FAKE-O '' scores instead of FICOH scores. It seems very unfair, how can consumers play this game if we are not on a level playing field.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal information, credit card accounts, evictions, auto loans, false student loans opened and collections from, Innacurate and incomplete addresses on my credit report are, XXXX XXXX XXXX LA XXXX XXXX TX XXXX XXXX TX XXXX XXXX XXXX XXXX LA XXXX XXXX LA XXXX XXXX XXXX XXXX TX XXXX XXXX TX XXXX XXXX LA XXXX XXXX LA XXXX XXXX TX XXXX XXXX TX XXXX XXXX TX XXXX XXXX XXXX TX XXXX XXXX XXXX TX XXXX XXXX LA XXXX and the fruadelent innacurate accounts are, XXXX - XXXX, XXXX XXXX - XXXX opened between the years of XXXX THROUGH XXXX including credit card account XXXX - XXXX XX/XX/XXXX, collection accounts XXXX - XXXX, XX/XX/XXXX, and I C SYSTEM - XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, Some of them have multiple under the same name. Some also have missed information that isn't showing the same on all 3 credit bureaus. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/XXXX, I visited XXXX XXXX XXXX XXXX for an office visit with one of their surgeons. I provided them with my primary insurance card, and for my secondary insurance which was XXXX, I provided them with my Social Security number. I had not yet received my XXXX card, but was in their system. They were able to confirm that I had both insurances, and that I owed nothing upon checkout. 

In XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a bill for {$560.00}. Please note that XXXX XXXX XXXX XXXX is a XXXX provider, and I am a XXXX   beneficiary. It is ILLEGAL to bill a XXXX beneficiary. 

On XX/XX/XXXX, I sent a certified letter to the provider warning him that if he continues to bill me again, he will get in big trouble. His office received my certified letter and signed the signature card on XX/XX/XXXX. Instead of billing XXXX the difference of what was owed after my primary insurance didn't pay, they had the audacity to play with fire. They continued to bill me for another year and a half. 

I have complained to XXXX and they are still investigating XXXX XXXX  XXXX XXXX. Any day now, XXXX XXXX and XXXX XXXX XXXX XXXX will get arrested. I don't worry about that part. The issue is that XXXX XXXX XXXX XXXX had the audacity to send the bill to XXXX XXXX with an interest of {$73.00}, and threatened to ruin my credit. I received a bill just this month. 

XXXX XXXX XXXX XXXX needs a wake up call. This is not OK. This is not my debt. They should have billed XXXX, because that was their job. Not mine. 

Attached, please find the XXXX codes they have violated.
Product: Student loan

This is XXXX complaint on this same topic since the company will not respond and its been 7 weeks since original CFPB filing and 4 months since my lengthy conversation with the company direct and promise to transfer incorrectly applies payments was never fulfilled. 
I have XXXX accts on my daughters student loan, XXXX in my daughters name : XXXX XXXX acct XXXX XXXX and one parent plus Loan in my name : XXXX XXXX XXXX acct XXXX XXXX, which I paid in full in XXXX. 
The agent at Aidvantage gave me the wrong acct number and therefore all the {$140.00} per month payments I have sent since that time have been misapplied to the acct ending in XXXX intended to pay my daughters acct. I co tuned these payments the entire time during COVID forebearance. When the forebearance was lifted, we received a notice she was last due which was first sign that the payments had been misapplied. 

Again, this is second CFPB filing since I have been completely ignored for 7 weeks. 

Kindly look in to this and ensure my daughters credit is not being negatively impacted and transfer the credits to her account XXXX XXXX with a reversal of later and interest accumulated since. 

Kindly handle my complaint? 
Its a little scary that the CFPB is not moving to resolve this. Really. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed hard inquiries despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed inquiries, as Experian 's inaction violates federal law and my rights as a consumer. I did not authorize and/or give permission to these companies to run inquires, nor do I have any accounts with them.
Product: Student loan

I received a student loan from Discover. I was notified that my bill was due in mid-XXXX and I told them I would be unable to pay until the end of XXXX, at which time I would also cover XXXX 's bill. They seemed understanding until I started receiving multiple daily calls from them. I called back, reiterating my previous statement of being unable to pay for a month. The calls are relentless and at this point I have received over 100 phone calls in less than 30 days.
Product: Debt collection

Hello, XXXX XXXX This is a reference to a dispute for account XXXX XXXX with FAIR COLLECTIONS & O. The original Creditor is XXXX XXXX  BY XXXX, an apartment leasing company, Situation : Hello, I applied for an apartment with XXXX  paying a {$75.00} application fee. I was told that I did not meet the income requirements for approval and that no charges were due. So I continued my search. 

I later received an email stating I was approved for the apartment with a guarantor and that a {$1000.00} charge was due ( deposit, admin fees, locks ) or the account will go to collections. I had no guarantor. 

I called the company and advised I was told that my application was denied so I began to search elsewhere. 

During my phone conversation, the agent demanded that I pay the security deposit and associated fees for the approval with the guarantor. Again, I had no guarantor. 

I asked why was the denial reversed and why did I suddenly have a {$1000.00} charge. I was told my application was approved if I could find someone to co-sign. I advised I did not have a guarantor, nor was a third partyguarantor associated with the application. I am a single woman. This was denied because I did meet the income requirements. 
The leasing agent became predatory, stating I owed {$1000.00} for approval with a guarantor. I told the company there was no guarantor however they stated I owed them money. 

Dispute : The company denied the application because I did not meet the income requirements. This company later fraudulently approved an application in which I did not qualify to collect {$1000.00}. I have not signed a lease, moved in, or shown any interest in leasing with this company after I was told I was denied and told no charges will be due. 

The company claims I owe the money because this application was changed from denied to approved if I can find a co-signer, which I did not have. 

Resolution : I am seeking a resolution to have this removed from my credit report. This application was denied due to my income, which means no fees were due and that I am not obligated to pay for a deposit, admin fees etc. 

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

I had my credit report recently pulled, and there were multiple duplicates I've already reported, then there were 4 other companies on my credit report that ive never done any business with. 
XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX PORTFOLIO RECOVERY # XXXX I've never did any business with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA ( Experian ) is not in compliance with FCRA 609. This is reference to my recent complaint filed on XX/XX/XXXXXXXX. 

Yes they send me the credit report, but lacked the verified documentation on file as required. They violate the FCRA or other Federal consumer financial laws and regulations. 

The FCRA requires by law to provide the consumer with a copy of documentation that is verifiable i.e. verifiable documentation on file for the consumer. Make note that several court cases have ruled on idea of XXXX not providing accurate verification electronically. Thus in contrary to what the laws say what must be done. 

Now it would easy for Experian to provide the documentation in their files if a " verified '' the information as accurate, because as mention in the recent complaint they would have proof. Why not upload that documentation ( s ) as required by law and/or forward it to the consumer if the information reported was in fact accurate? 

Accounts in question : Account # : XXXXXXXX-XXXX-XXXX-XXXX-XXXX-XXXX-XXXX-XXXX-XXXX-XXXX  ( 11 ) Eleven Total Accounts The CFPB will continue to evaluate compliance with the requirement to review all relevant information by furnishers subject to its supervisory and enforcement authorities. In general, with respect to disputes received by furnishers from CRAs, the CFPB expects each furnisher to comply with the FCRA by : ( 1 ) Maintaining a system reasonably capable of receiving from CRAs information regarding disputes, including supporting documentation ; ( 2 ) Conducting an investigation of the disputed information including reviewing : a. all relevant information forwarded by the CRA and ; b. the furnishers own information with respect to the dispute ; ( 3 ) Reporting the results of the investigation to the CRA that sent the dispute ; ( 4 ) Providing corrected information to every nationwide CRA that received the information if the information is inaccurate or incomplete ; and ( 5 ) Modifying or deleting the disputed information, or permanently blocking the reporting of the information if the information is incomplete or inaccurate, or can not be verified. 

Lastly, as for validation of the debt in question in accordance with Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). Experian along with the data furnisher failed to provide the documentations requested by the consumer. This is so simple. I made the dispute but instead received a credit report indicating that it been update, but supporting documentations to their claim. When a cfpb rep review over my documents it clearly aligns with the account in question. Are their any real person reviewing it? cross referencing it. The CFPB Bulletin dated XX/XX/XXXX makes clear on the compliance of the law. 

Please review my uploaded documents and see where I asked for documentations using numbers and letters as bulletin to specifically asked for the documentations that I never received. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my old information removed to it being over the time limit to stay on my report. This is the only thing from holding me up on getting a home loan. I have tried on several occasions to have it removed with no success. The account number is XXXX
Product: Debt collection

I noticed several accounts on my latest credit report that appear to be added without my permission, and I believe they are inaccurate. I am requesting immediate removal of these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX  OPENED : XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX, XXXX. 
Account # XXXX Collection opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX Collection opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX Collections opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2, States that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2, States that a consumer r eporting a
gency can not furnish an account without my written instruction
s.