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

XX/XX/XXXX a background check was submitted by Checkr on behalf of XXXX, releasing inaccurate & misleading information regarding my consumer report. Stating I have a criminal history from XXXX, which is inaccurate reporting, negative, & outdated, over 7 years old, another charge of which isnt mine, a XXXX XXXX XXXX XXXX  which is not mine as well. I contacted multiple times regarding the issue, they said theyre not changing any information thats on file, based off the last investigation. Truthfully they never reinvestigated, nor contacted local & state police departments for up to date correct report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get into my Experian several to access my account, and the email address is completely different than I have. I have tried to get into the email address, and that is not a email address or phone # i have ever had before. 
I have talked to an agent at least 6 different times over the past 3 days. 
I was told yesterday, and today that I have started a new credit account!? ( how is that possible? ) I was not on part of the credit breach, but someone decided to use my identity for the Ohio Unemployment last year. 
I hope you understand why I am stressing out! 
Please help me.
Product: Vehicle loan or lease

Hi Ive been in the hospital I was paying on my loan monthly company didnt tell me about charge off nobody called me I told company I was saving up to make more payments.They charged off my loan without warning and didnt tell me I had to call them to be notified very very poor customer service I had enough for 3 pmts
Product: Credit reporting or other personal consumer reports

15 U.S. Code S 1681 a - Definitions ; rules of construction- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

On XX/XX/XXXX my Huntington bank account was force closed due to fraudulent activity. There were about 11 disputes filed against my Huntington bank account and 11 provisional credits, given all of which I did not do. They realized that the person that did it was XXXX. I am not XXXX. I am American. Also, the person could not pronounce my name correctly. So my question to the bank was when they couldn't pronounce my name correctly. Why didn't you flag it and send them to the branch? They did not have a response other than we don't say. No. As long as they can verify the account. I said well when you realize that they can't pronounce the name correctly. Then you should not have proceeded. So my question was, how could you let {$1300.00} walk out of your bank without questioning anything? I am out {$1300.00}. I am also out the {$750.00} that I got from payroll plus XXXX XXXX. Says that they charge back {$840.00} 2 Huntington and Huntington bank is saying that they do not have it.I 'm so frustrated with this whole mess.I just wanted to be over with
Product: Credit card or prepaid card

XX/XX/XXXX, XXXX date of letter XX/XX/22, I received a letter from Target indicating that my credit card application was denied because I had a credit freeze in effect ( I do. ) I DO NOT Have a Target credit card nor did I apply for one- someone DID APPLY in my name. 

XXXX XXXX  notified XX/XX/22 of data breach XXXX. of my name and social. Prior identity theft detected by XXXX XXXX XXXXXXXX XX/XX/22 and and was notified XX/XX/22. 

XX/XX/22 Requested credit freeze fraud alert to 3 bureaus and Fraud alert to FTC XX/XX/22. 

Called Target XX/XX/22 Application ID : XXXX. 
Target confirmed the identity theft has my name, address, home phone number, social security number. Fraud indicated on my driver 's license and an email account.

Target advised reporting to FTC which I tried to do and was directed to this site.
Product: Debt collection

I have never been to XXXX XXXX. I just received a debt collection from you guys for {$190.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX  XXXX, Account name : # XXXX XXXX, Account name : # XXXX Sequium Asset Solution, has violated my rights. 

I looked at my XXXX XXXX report on XX/XX/2025 and noticed some things are not complete and, And 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 whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 card

I had a credit card with MBNA for a number of years without issue. Somewhere along the way the card was taken over by Bank of America. At some point, I contacted them concerning my 1 % points since I heard about their 1.5 % ... after a lengthy discussion, there seemed no downside to update my card. After accumulating points for years, I requested a disbursement of the 1.5 % and was then informed that the actual amount was only .9 % ... in order to obtain the 1.5 %, I had to use toward a travel expenditure ( if I had originally known, I never would have signed up since I do n't use that card for such expenditures as well as use frequent flyer miles when I do my minimal travel ). I wasted my spouses time who dealt with my mother-in-law in order to purchase plane tickets for her in order to use the 1.5 % points and then hassled with the whole reimbursement process from my mother-in-law back through my spouse. I pay my credit card bill in full each month. So my only XXXX credit card charges on my monthly invoice were for that travel and used my 1.5 % points to timely payoff the balance of my account in full. Bank of America claimed that I did n't make a minimum cash payment so charged me a {$25.00} late payment fee ( i.e. due date was XXXX, made a {$25.00} cash payment on XXXX and statement closing date was XXXX ) ... their rationale was that I had made a charge on the following month. Be mindful, there was no balance due and then paid off my account in full for charges in that billing cycle. I believe that Bank of America not only was deceptive when claiming their card was 1.5 % points when actually was .9 % as well as unfairly charged me a {$25.00} late payment fee when I had paid-in-full with the travel credits. Apparently they no longer want my business, even though I believe I have been an upstanding customer for nine years, since when I discussed the matter with them, they had no willingness to waiving the unreasonable fee. Thank you very much for your efforts at the CFPB to assist consumers with credit card companies unscrupulous practices in the past. With Appreciation!
Product: Money transfer, virtual currency, or money service

commencing on or around XX/XX/XXXX, i fell victim to a multi-layered scam operation orchestrated by XXXX XXXX  ( the fraudsters or company ), with the design, development, manufacturing, promoting, marketing, distrubuting, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX which were transferred from my wallet utilizing your services
Product: Mortgage

Shellpoint, the servicer is rarely available to assist with my account. I emailed and called and left messages with little to no response from the " point of contact '' representative. I have waited on hold for over 3 hours plus to attempt to make payments. I spoke with a manager over 2 months ago to report the issues and was told he'd call me back but he never did. My account was transferred from XXXX  at the end of XXXX  in an approved status for a  modification and I just got the paperwork. They sent me documentation that was incorrect. This has been the most stressful and frustrating process I've ever experienced. The unreturned communications occurred countless times. I've complained to several representatives and management of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has continuously violated my federally protected consumer rights. Your company is violating me as the consumer by furnishing inaccurate, unfairness, and privacy information on my consumer report without my written permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ). I am a victim of identity theft from the XXXX  data breach, your company is furnishing and reporting FRAUDULENT accounts on my consumer reports. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so properly the past several months. I'm demanding you to block the information reporting no later than 4 business days pursuant to 15 USC 1681c-2 ( a ). 

" 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 receipt. '' 15 USC 1681c-2 ( a ) - XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX
Product: Checking or savings account

On Wednesday, XX/XX/XXXX, I emailed Chime to tell them that when I tried to transfer {$10000.00} ( the total balance ) out of my Chime checking account to a XXXX XXXX, I was unable to do so. I received an error that said I needed to activate my debit card to do so. I requested a debit card, received it, activated it, confirmed the activation, and was still unable to transfer money out. I emailed Chime a subsequent ten times asking why this was. I sent them screenshots of my app showing that the XXXX account I tried to transfer money to was successfully linked, but that it would not show as an option when I tried to transfer money. I believe this is Chime 's way of preventing customers from leaving their bank, as their email replies were full of unhelpful remarks such as " I know how important for you to know that information ''.
Product: Vehicle loan or lease

my credit report shows a late payment XX/XX/XXXX which is incorrect. We have made all of our payments and some were by phone but some were online. When we made the payment online, it did not give me any problems or errors but later I discovered it was still due and contacted Harley Davidson immediately to resolve it. I was told there would be no negative rating due to this mishap with the online system but obviously that was not honored. When I called recently they suggested that I do a dispute and perhaps that would work. That doesn't make sense to me but here I am doing what they requested. I sure hope you can help because I'm trying to buy a house and this is holding me back. It is the one and only negative item on my entire credit report. Please help soon, thank you!
Product: Debt collection

On XX/XX/XXXX the following complaint was submitted : I have attempted to dispute the claimed debt owed multiple times directly with the companies and with the credit reporting agencies to no avail. The companies continue to report unverified collection accounts even after I have asked for verification docs, account statements, original agreement copies, and proof of their legal right to even attempt to collect on the alleged debt - all requests have gone unanswered. I have requested this information in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response. According to the collection companies own websites/consumer portals - my information does not link to a record within their files yet they continue to claim and report thousands of dollars as owed to them to the credit reporting agencies. This fraud and their lack of being able to properly verify the debt should mean that the debt is uncollectible and therefore they should cease reporting the incorrect information and promptly remove the reported info linked to my personal info from all credit reporting agencies. 

Following this complaint, the collection company marked the account as closed with the credit agencies roughly 10 days after the complaint was made. The company stated they would mark the account as disputed. As of XX/XX/XXXX, the collection account has been reopened and shows an active balance due, the record does not state that I have disputed the account either. Further, the company stated they would send me info on the account and that never happened and it has been over 30 days since my original complaint. XXXX & XXXX XXXX XXXX continues to make false claims that a debt is owed when that debt has failed to have been verified. They are committing fraud at this point and the false claims have severely negatively impacted my credit- legally speaking, this is a damage and loss that I have full right to claim against them. Their actions are fraudulent and are construed to be harassment. 
They have failed multiple times to adequately respond to the dispute ( XXXX ) and they have failed to properly verify the alleged debt in the allotted time offered to them per FDCPA guidelines. Per FDCPA, FTC, FDIC and CFPB guidelines XXXX XXXX XXXX XXXX XXXX is in violation of Federal regulations and State regulations and must be ordered to close the account, remove all negative remarks from any/all credit reporting and end all collection efforts regarding this alleged debt. Prompt action must be taken to resolve this matter.
Product: Credit card or prepaid card

I had a BestBuy credit card through Citi, and had been making manual online payments directly from my bank account information that was setup in Citi. In XXXX I set it up to do auto-pay, and the first payment was to come out on my next payment date, XX/XX/2020. XX/XX/XXXX came and went as usual, I just assumed the payment went, it always did. I never got any kind of notification from them, but evidently they tried taking a payment ( the account shows a credit ) and then on the same day it showed a reversal in the same amount. I contacted my bank and they said there was no transaction attempted at all. Citi is claiming that it must have been incorrect banking information, but it was the same information I had used before, and it is the same information I used immediately after to pay off the account. It's bad enough they get you for a late fee after that and brush you aside, but then they reported it on my credit and now my score is roughly 60 points lower because of this. I have contacted them a few times, the first was essentially a brush off, the second time was when they blamed bad bank account ( which worked every other time but that one ). I'm not sure how my bank account information magically changed that one day for a payment not to work, but evidently it did.
Product: Credit card

My accounts are with Synchrony Bank and they are Care Credit Card and Amazon XXXX card. Both have been active and used for many years. I was abruptly notified that both accounts were closed due to returned payments. I may hve been late on a few payment but promptly paid the the day after they were due. After hundreds of timely payments I may have been late on one or several payments over the last five years or so. In addition when my payment is late they assess me with a forty dollar late fee which I pay. My balances are not excessive and I have paid them hundreds in finance charges. I find the egregious as my Care Credit Account has a line of {$8000.00} and had used about {$3000.00} of it.So now I still owe the balances and continue to make make payments on time. I need the Care Credit line to pay some uncovered dental work.Do I have any recourse. They so aggravated me that I am tempted to stop paying them anymore and let the pursue me which will be unsuccessful since my only income is my Social Security benefit which is more than enough to satisfy all my finacial obbligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
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 receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax , Inc. maintained a very poor standard of web security that has resulted in my report and personal information ( name, Social Security number, birth date, address, credit card number, and drivers license number ) being hacked from their website ( I am listed as being affected by this hack on their website : https : //www.equifaxsecurity2017.com/potential-impact/ ). I am among over 100 million people who have been affected by this hack, resulting from improper and outdated security measures. A company that holds this kind of information should be held to a much higher standard of security.
Product: Mortgage

This complaint is regarding my current Mortgage processing bank Flagstar Bank. The bank charged {$30.00} fees too many times to my account for Payoff statement requests. I called and asked them why so many and they are not able to provide any details except below fax numbers through which it was requested. Flagstar does not know who they sent it to and when I asked more details they are askimg me to XXXX the numbers and find out the details myself. When I tried some of the numbers came back as Unknown. So I checked with Flagstar again and mentioned that as my loan account has been charged {$30.00} for each request I am entitled to know who requested it but Flagstar is not providing me any details about who they sent my information to. Instead of helping me Flagstar is asking me to send a fax to each of the numbers below to indentify who this is. I really need to know who they sent my information to as the total charge for these requests summed up to {$150.00} ( 5 times {$30.00} ). Attached bank staement. 
Fax number XXXX date ordered XX/XX/XXXX Fax number XXXX date ordered XX/XX/XXXX Fax number XXXX date ordered XX/XX/XXXX Fax number XXXX date ordered XX/XX/XXXX Fax number XXXX date ordered XX/XX/XXXX
Product: Credit card

The identity theft stolen my Social Security Number and used it to apply for three different credit cards which I wasnt aware of it at all until one day I received a statements for these 3 companies. The THREE credit companies are XXXX XXXX, XXXX, and CAPITAL ONE. As soon as I found out that, I went to the police department to report it, but they said I have to have the credit card company statement that states it was fraud which I called the credit company they said they cant provided me any reports because I need to have the police report. Since in the situation nobody was willing to help me so I go ahead call each credit card company in order to dispute the charges. The XXXX XXXX and XXXX they went ahead do the investigation and successfully dispute the charges that I didnt make. BUT CAPITAL ONE, which I called multiple times, last time I was on the phone with the supervisor of the fraud department over 2 hours and still got no help from them. I told them about my situation and all they said is they will put me under collections and I have to PAY the charges that I DIDNT made. I also requested to reinvestigate but they refused to do that and I DO NOT UNDERSTAND why other two company will dispute the charges but not CAPITAL ONE. They also OFFERED me if I make a payment they will give me certain percentage off which I refused because I dont pay for somebody who stolen my identity and pay for them. Is it because the amount is under {$500.00} so they dont care about consumers, they also stated thats not only thing they refused to investigate. Due to Capital One, my credit score went down dramatically and impacted me financially.
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX XXXX XXXX XXXX having a lot of issues with my credit report because I do have a twin brother who does not have a social security number and all his account are been mixed with my credit report. I already called the companies involved and the XXXX credit bureaus to explain this and provide proper identification of both of us to them but the problem continues and new accounts for my brother keep showing on my report. I has been over 3 years with this issue. I need help, please. 

IDs, social security for my self have been send to all the buraus as well for my brother his IRS letter ( ITIN # ) and his driver license was enclosed for there review and we still having issues, this situation have become a big stressful issue since this has prevent me to obtain a mortgage because of this items not my showing on my report over and over again after disputes has been summited multiple times. 

This also affected me with my car insurance & IRS as well Also I have contacted XXXX company and all documentation re-send it to all parties involve and still not resolve as yet need this to be over.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX