23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a Barclays Uber Mastercard. The card expired and I received a new card and did not activate it. I received a very rude call on XX/XX/XXXX that I owed {$700.00} + on the card for uber rides. I went into the system and indeed someone had stolen my card and gone on many trips. The card was expired and also I had the new one and had not activated it so I was not watching the charges. I spoke with Barclays and they assured me they would go through fraud with them. I made a {$71.00} payment to not go to collections as i was in the middle of getting a mortgage and needed to make sure my credit wasn't hurt but this. 
I received letters from Barclays showing that I was not responsible for these charges and they would credit my account. 
Today, I received an email that a payment was due. I went into my account and I still owe for all these charges. What is strange is every charge has a negative below it but they are not crediting me for this. I have wasted XXXX hours on the phone with Barclays, from time to time they disconnect from me and I have to call back. I believe they are not acting in good faith as I have said I want to cancel my card when this is all resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership and applied for a car they said that they were only going to submit my information to XXXX XXXX but they actually submitted my information to 10 different companies without my knownledge or consent. I have listed the following companies, XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX  XXXX XXXX XXXX  XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/2022 XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent this person money onXX/XX/XXXX apparently he picked it up on XX/XX/XXXX and now I suspect fraud because he is not returning any of my phone calls or text messages now I want to file a complaint to see if I can have my money refunded
Product: Debt collection

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : JEFFCAPSYS XXXX {$1000.00} XX/XX/year> 15 U.S.C , 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is listing a debt I previously disputed XX/XX/2022 CFPB complaint # XXXX for no correspondence. The claim was denied. Today I called to ask if I paid the account I dont think I am responsible for if itll be deleted from my credit report the agent said no. I then asked if XXXX XXXX XXXXXXXX would sue me in court for the {$810.00} they claim I owe. The agent said she doesnt know what XXXX will do. I asked if XXXXXXXX XXXX XXXXXXXX owned the account. The agent said no, XXXX owns the account, and we are a 3rd party collecting on their behalf. My credit report show XXXX as the original creditor, implying XXXXXXXX XXXX  XXXX is now the creditor. The agent began to say hello as if she couldnt hear me and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cap One appeared on my credit report on XX/XX/XXXX and on XX/XX/XXXX. I have never applied for an Capitol One card. I been an authorized user on my mother card the last past 3 years. 
XXXX XXXX appeared on my credit twice as an inquiry on XX/XX/XXXX. I reached out to them and I was told they could n't give me any information on the account because I could n't verify any information. 
XXXX appeared on my credit report as an inquiry on XX/XX/XXXX. I did not authorize this inquiry. 
XXXX XXXX XXXX appeared on my credit report as an inquiry twice on XX/XX/XXXX. I called several times regarding this matter I could not get in touch with anyone. 
XXXX appeared on my credit on XX/XX/XXXX and XX/XX/XXXX. I 've been an authorized user on XXXX XXXX XXXX account since XXXX XXXX. 
XXXX appeared on my credit as an inquiry on XX/XX/XXXX. I never had an account with this company. 
XXXX XXXX appeared on my credit report on XX/XX/XXXX. I do n't know where this company is located but I did not authorize this inquiry. 
XXXX appeared on my credit reportXX/XX/XXXX. I did not authorize this inquiry. I tried calling but I can never get through to who I suppose to talk to about this matter. 

If you need any documentation you can email me at XXXXXXXXXXXX. 
Thanks
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, my house was broken in. All my identity documents were stolen and later used by someone else to apply for loan and credit card. While I have reported the incidence to police, banks and other credit departments including XXXX, XXXX and Experian ( report # XXXX ), I thought it was settled. 
XXXX has closed the fraudulent account on my name. It disappeared from my Experian credit report. 
XXXX has closed the fraudulent account after investigating ; however, the XXXX loan is still reflecting the impact of my Experian credit score.

Also, on Experian report, one of address, XXXX XXXX XXXX XXXX, XXXX, IL XXXX and phone number XXXX is not mine, they should be one stated above. 
I've sent many time requests to Experian to explaining my issue and asked them to remove fraudulent XXXX loan account, wrong number and wrong address from my credit report, but it still on my credit report, it has bad impact to my score. Since the case was proven it was an actual identity theft incident, I request Experian restore my credit rating.
Product: Credit card or prepaid card

I have a PayPal Credit account where my FOUR payments are missing. Multiple attempts were made to resolve with PayPal Credit but no satisfactory reply despite I have a proof of payments via checking account bank statement.
Product: Credit card

I called to report a lost card. Spoke to an offshore help desk. They said they would replace the card and I would get a new XXXX in the mail within 2 weeks. XXXX4 weeks later I call again. They have no idea or zero record of me calling.l, and have mailed nothing. They asked for all my info again, said they would mail a new card. The next day I received the SAME card I had lost. I had to call again and get them to send a proper NEW card which would take another two days. Almost a month from my first call. Terrible customer service and zero comprehension.
Product: Credit reporting or other personal consumer reports

Equifax has two hard inquiries on my file that were fraudulent. When disputed, the Equifax response was that the inquiries were factual. This is untrue. A fraudster attempted to open at least 4 accounts in my name in XXXX, and appears to have accessed my XXXX account and added a fraudulent XXXX email address and phone number in my record. 

For the Equifax hard inquiries, the accounts were as follows : XX/XX/2025 XX/XX/XXXX XXXX XXXX XX/XX/ 2025XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 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. I am a victim of Identity Theft. I have NOT opened, benefitted, or authorized anyone to open any accounts in my name. 
XXXX XXXX XXXX {$630.00} XXXX XXXX XXXXXXXX {$700.00} XXXX XXXX XXXXXXXX {$760.00} XXXX XXXX XXXX XXXX {$310.00} I looked at my XXXX credit report on XX/XX/2024, and noticed some incomplete and inaccurate things. Also, the Credit Bureau is reporting fraudulent accounts on my profile. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to15 USC 1681 1i5 they are supposed to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2, they are supposed not to 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

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 Account # XXXX, XXXX XXXX account # XXXX, XXXX Account XXXX XXXX, and XXXX XXXX  Account # XXXX has violated my rights. 

156 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint ; Debt Validation Request and demand to remove false and derogatory information from my credit report I discovered that Equifax did not removed alleged delinquent account reported under XXXX XXXX XXXX XXXX XXXX name. 
While Credit Reporting Agencies typically not subject to Fair Debt Collection Practices Act, but then they act to create an appearance of legit debt they becoming a part of collection team, thus liable for reporting false information in violation of FCRA and FDCPA. 
I dispute and demand Equifax to perform investigation of account number ending XXXX which is falsely reported as delinquent and immediately remove this false and derogatory information from my credit report. 
I demand a respond from Equifaxs employee how and based on which material evidence Equfax determined that this account is delinquent and why Equifax decided that this account has any relationship to XXXX? 
I have sent many previous letters to you, all by filing complaints with CFPB, and requesting that you remove inaccurate information from my file and you have failed to do so. 
Accordingly, I prepared to file a massive legal action in Federal Court where can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous demands stated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 

Also, I noted numerous " soft inquiries '' on my credit report, including Equifax 's inquiries under XXXX abbreviation. Please state that this abbreviation stands for and who authorized to place these " soft inquiries '' on my report? 
I anticipate your response.
Product: Debt collection

Repeatedly have asked Portfolio Recovery to remove and send me information when account was opened, how it was opened, who opened and signed for card. They have no information.
Product: Credit reporting or other personal consumer reports

I'm " XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 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 not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THESE ADDRESSES XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX PLEASE DELETE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately.

PLEASE AND THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not mine : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have a car loan through CNAC. They have consistently called me multiple times in a day. On XX/XX/22 they called me XXXX times once at XXXX, XXXX and again at XXXX pm. They have called twice on XX/XX/22 once at XXXX am and again at XXXX am and it is currently only XXXX am. I have asked them to cease all calls and communicate only through letter or email, however I have still received calls.
Product: Debt collection

When I went to purchase the XXXX XXXX paying cash I was offered to finance the purchase. I had problems with the purchase. I did not receive all what was ordered. I was to return my current phone within 10 days to receive a {$300.00} discount. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The person failed to send it. It was to days late. I contacted XXXX Customer service, given ticket ref XXXX, XXXX XXXX XXXX XXXX. XXXX would contact me to resolve the issue. 

To date I have not received a response from XXXX even after multiple of attempts, each time they sent a follow up over three months. I received mail from XXXX a finance company. I contacted and informed XXXX failed to live up to the agreement. I was waiting an answered to my request to resolve the issue. I requested contract be canceled as I intended to pay cash as I had done in my two previous purchases if XXXX phones. A representative XXXX on XX/XX/XXXX at XXXX  who stated the account would be canceled at my request. She informed me that I would received a letter my account was canceled. I never received the letter. XXXX showed my credit closed. Only to have it appear again. 
On or about XX/XX/XXXX I received my first XXXX statement stating I needed to make two payments. I contacted XXXX XX/XX/XXXX. I was informed the account would not be closed until I resolved my disagreement with XXXX. I explained I had been trying for weeks. I plan on paying cash once the dispute is handled. I am not paying for items I did not receive. There reply was then pay for what you received. I informed the agent my mother did not raise any genius, but she did not raise any dummies either. My concern is the agreement with you will be delinquent sixty days on the XX/XX/XXXX. I did not want the contract, I agreed to XXXX XXXX, not to another company. They refuse my request. They continually harass me weekly for a month even after I requested no contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX  Reference # : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Im notifying you that the following account is reporting inaccurate information. Please conduct a reasonable investigation into this error and delete the account from my file as it is negatively impacting my name, credit standing and good character. 

Account Number : XXXX Please investigate and delete this account because it is reporting three different dates last active : XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX. XXXXwo different dates opened : XXXX : XX/XX/XXXX, Experian XXXX XXXX XX/XX/XXXX. XXXX XXXX last payment dates : Experian XX/XX/XXXX, XXXX XX/XX/XXXX. A PAST DUE AMOUNT OF {$0.00} across ALL bureaus. 
You are NOT following reasonable means to assure the maximum accuracy of information in my consumer file. Again, please carry out a reasonable investigation into this matter and delete this account from my file immediately or prepare to face legal action.
Product: Checking or savings account

I submitted a dispute with my bank Wells Fargo on XX/XX/XXXX for an amout of XXXX at XXXX under the number XXXX or XXXX ( I have both on my notes ), the claim was rejected because the card was present at the moment of the purchase, was face to face transaction. 
I called customer service to explain the situation, the shop doesnt have the stock there so they must sent the purchased goods by courier so I was requested to send the information in a letter and also the receipt showing that the goods must be sent to the address. 
I sent that information on XX/XX/XXXX by email. 
I called on XX/XX/XXXX to know the status of this claim and " XXXX '' from claims department told me that they cant reopen the case because the shop said that is a valid transaction but they couldnt proof that the merchandise was delivered, I requested those documents and they also denied that right. 
why I was requested to send the information if the bank will deny to reopen the case?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing three accounts on my credit file since XXXX of XXXX, I have requested that the credit bureaus Experian, XXXX, and XXXX to please verify these accounts and how they verified these items and who they spoke with or please remove them from my credit report. 

I have not received a response from XXXX regarding these complaints Each time I get responses from the credit that they verified them but don't provide details of the verification process, who they spoke with etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I fully paid off all of my credit card accounts and one personal loan account. At that time my TransUnion credit score was XXXX. Then today my credit score dropped to XXXX. Most of the information is incorrect such as oldest credit line went from 30 years to 4 years (??? ). My credit used shows 87 % which is incorrect. I do not owe anyone anything. My available credit decreased from approximately {$12000.00} down to {$660.00}. This does not make sense. I paid off 100 % all of my bills and my credit score goes down. What is wrong with our credit reporting agencies? I will be writing my US Congressman and US Senator about this unacceptable credit reporting misinformation issue. I paid off 100 % of my credit cards and personal loan and then my score goes down! This should not happen to anyone, especially persons who pay their bills. I hope these credit reporting agencies did get my name mixed up with someone else 's. I am a XXXX XXXX U.S. citizen and I don't have the time or physical energy to chase down these credit bureaus mistakes.
Product: Student loan

Company : NAVIENT Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Reported balance : {$8600.00} Opened : XX/XX/2012 ( XXXX yrs, XXXX mos ) Term : 108 months ( 9 years ) This loan acount is invalid, they charged off the amount without prior notice that they removed the cosigner and negotiated a settlement with the co-signer, but not me. I had no idea they were going to charge this loan off. They report as " late '' each month for several years, but it's not open, it's closed. They refuse to speak to me through customer service, and I have had no luck working out any progress with the company.