23daVinci/CFPB_Complaints huggingface dataset:
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. I did not authorize them and they do not have a Permissible Purpose on my behalf.

15 U.S.C 1681 section 602A. 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 a 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 ) ( a ) 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. 

The accounts below have violated my rights. Please delete the accounts below : - Creditor name : XXXX XXXX XXXX. Date : XX/XX/year>.
Product: Credit card or prepaid card

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

1. XXXX  XXXX Account Number : XXXX 30 days late in XX/XX/2021 and XX/XX/2021. 

2. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

3. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

4. XXXX  XXXX Account Number : XXXX 30 days late in May XXXX, 60 days in XX/XX/2021. 90 days in XX/XX/2021 and 60 days in XX/XX/2021. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company continues to share incorrect and inaccurate information about me without my consent.
Product: Credit card

I have a closed account with Citi Visa  for XXXX XXXX. 
In XXXX and XXXX of XXXX, I made two payments for both months. I thought I would receive full credit of my payment for each month but both months they charged me a {$30.00} late fee. My XXXX payment I was informed I would receive a courtesy credit on the late fee. I reached out again to Citi on XX/XX/XXXX My XXXX payment I was informed that the payment I sent for both months were posted on the previous cycle and would not be credited for the months they were due. I spoke with XXXX who informed me that the payments are considered late, and I had to pay the late fee. XXXX told me there was nothing else she could do for me, but she decided to give me a credit for {$100.00} dollars. 
If XXXX could help me, why did I have to stay on the phone with her crying. I was not aware of the billing cycle period. 
I know it is in the small writing. I have never been late on the account in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank account # XXXX was Opened XX/XX/2007 with a Credit Limit of {$3000.00} this account is over 10 years old and Capital One still report to my credit. Please stop reporting this account to my credit report, account too old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... ONEMAIN XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

XXXX XXXX, I email Consumer Financial 3 Months ago disputing this twice about this XXXX XXXX account that card had not been use since XX/XX/XXXX AND HAD A BALANCE OF {$4300.00} they were charging me {$380.00} monthly EXTRA beside me paying {$150.00} to {$200.00} for min. PAYMENTS. I DISPUTED AND requested to Consumer FINANCIAL PROTECTION INVESTIGATE THIS CARD AND MY ACCOUNT. THE NEXT THING I KNOW THIS CARD XXXX XXXX HAD CLOSED MY CARD ONLINE ALL STATEMENT GONE WITH OUT NOTICE. 
I WAS MAKING PAYMENTS toward account there NO STATEMENT IN XXXX I QUESTION THIS WITH XXXX. I Have ANOTHER CARD BY XXXX WHEN I CALL XXXX XXXX XXXX THEY INFORM ME THAT THIS CARD IS NOT PART OF XXXX XXXX. is when I ask Consumer Financial protection to investigate this and now they have place collection on Credit which should not be done on XX/XX/XXXX and On XX/XX/XXXX Collection letter from Alltrans Financial in XXXX tx. which I will be disputing this. 

I will contact Reporting Debt Collectors That Violate the FDCPA for unknow telephone calls using different number about 30 calls week No notice that they was collecting they post to account XX/XX/XXXX credit bur. and on XX/XX/XXXX A letter from AllTrans. 

this card by XXXX XXXX was in dispute and they know this. wrong amount, card had no charges since XX/XX/XXXX was making payments up to XX/XX/XXXX monthly. 

THIS HAPPEN TWO -THREE MONTHS WHERE THIS CARD SHUT DOWN MY CREDIT INFORMATION ONLINE AND CANCELED MY CARD. NOW LAST WEEK THERE A NEW COLLECTION WHICH I WAS NOT INFORM
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX has Identity Theft Company or organization name is Arkansas Child Support XXXX the amount is XXXX date discover XX/XX/XXXX. Also Fraudulent information on Credit Report with Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

in XXXX I put in for a {$2000.00} loan from key bank online access on XX/XX/2024 I received a denial letter from key bank XXXX XXXX XXXXXXXX XXXX XXXX oh telling me why I was denied so since XX/XX/XXXX I've reached out to key bank I was handed over to case worker XXXX XXXX. of key bank at there executive office I asked her if she can send these ucc codes over to the under writer that they are in violation of this since XX/XX/XXXX no answer from her she is never at the desk I've been calling every day every time I called they would tell me that she is unavailable up until today XX/XX/XXXX I spoke with her twice she assured me she was handling my case and still nothing about this matter title 15 subsection 1611 states that false and misleading denial of my own credit is in violation of that bcc code and can result in legal action given the fact the entire consumer transaction is predicted on my own unlimited credit they used my social security number and created a security already once they asked for it XXXX use XXXX asking for my social because there is no lawful money and that's a crime I've called them everyday since denial letter and they keep telling me some one would reach out and never received a call back from any one how rude and unprofessional
Product: Debt collection

Originally the debt was claimed to be a school debt. No documentation was provided after repeated written requests. I sent a certified letter as well, asking for the correct information from the original claim to prove it was mine. Debt Recovery Solutions has not provided any documentation to show it was truly my debt and they would not disclose how much they bought the debt for. I found out that the original debt was written off from the original school. 
They did not respond within the 30 days as requested in the letters. I did attempt to settle the debt with the company. 
The debt then was CHANGED to a " medical '' debt on my credit report for the same exact amount. Currently, the debt shows up on my credit report as a student loan again ( as they changed it again ).

XXXX has removed the dispute on my credit score but it still shows up on the XXXX credit report. 

The Debt Recovery Solutions ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX, ( XXXX ) XXXX needs to be investigated. This has hindered my ability to purchase a home due to the dispute showing up and because of the amount of time they have waisted not responding to my letters. Thank you.
Product: Credit card or prepaid card

XX/XX/XXXX I worked with a Bank of America Rep to setup auto-pay on my credit card account.

XX/XX/XXXX I was told my auto-pay payment was active.

XX/XX/XXXX I received Billing Statement stating that the auto-pay was active.

XX/XX/XXXX I received credit alert that I had deliquent account.

XX/XX/XXXX Bank Of America Rep says auto-pay was pending, will be active next bill cycle.

XX/XX/XXXX & XX/XX/XXXX I am refunded for late payment and interest fees associated with the error from the auto-pay setup.

XX/XX/XXXX My account closes the year with no fees or interest charges. 

Bank of America removed the fees associated with the auto-payment error but has not removed the 30 days late from credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing this entry from   XXXX   XXXX   several times and the  3  bureaus keeping saying that after their investigation they show thin information is correct
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of XXXX I disputed with this credit reporting agency about the inaccurate reporting of collection items XXXX XXXX -- XXXX because this Account is transferred for recovery, but is reporting a balance of {$13000.00} in a past due amount of {$13000.00}. Also, XXXX XXXX -- XXXX XXXX -- - reporting three different dates of last activities. XX/XX/XXXX on TransUnion, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. Also, there are different high balances being reported. {$7500.00} on Transunion and XXXX, {$6000.00} dollars on XXXX. This is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue as of today. I have uploaded my proof. Thank you
Product: Checking or savings account

In XXXX of XXXX, I received a debit card and notification of new accounts created from JP Morgan and Chase Bank in the mail. It turned out that my identity had been stolen and a checking and saving account had been opened in my name. I immediately reported the issue to Chase customer service. They told me it would be taken care of and I did not have to do anything else. I did file a report with the FTC and requested a credit freeze. I did not file a local police report immediately though. 

A few weeks later, I got a call from dept collection department at Chase Bank. They claimed that I owed them {$1100.00} because of an overdraft on the fraudulent savings account. I told them again that it was a case of identity theft and they said they again said they would take care of it. I did not get any phone calls or emails or pieces of mail from Chase after that. 

Fast forward to XX/XX/XXXX, I needed to open a new bank account but I was immediately denied because apparently Chase bank never resolved the issue with the fraudulent accounts. The {$1100.00} was now a " charge-off '' and it had been reported to an acency called Early Warning which has me flagged and makes it impossible for me to open a new checking/savings account.

I went to a Chase branch and talked to a live person and while they tried to be helpful and even showed me the details of the fraudulent account where clearly the phone number, diver 's license number, and email do not match my information. They provided me with detailed statements where there are XXXX  XXXX names listed in some of the bank transfers. They tried to reopen the case with the claims department so that it could be resolved. I even created a police report to add to the case. 

However, the Chase claims department is a completely opaque system which now denied my claim of identity theft and that those fraudulent accounts were legitimate and that I " benefited '' from those accounts. They sent me letters to that effect. They refuse to take another look at the case, saying it will be forwarded to the dept collection team, and said that resolution would have to come from " outside Chase ''
Product: Debt collection

I contacted Hunter Warfield about at {$6100.00}. I was informed by Manager XXXX XXXX was due to an XXXX XXXX lived in XXXX XXXX in XXXX XXXX, Illinois. I do not know the accurate address. I informed him that the address was not on my credit report nor does an inquiry appear. I completed an identity theft form on identitytheft.gov. They could not validate the ownership of the debit but stated it would not be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with XXXX XXXX who was formerly XXXX in the XXXX XXXX XXXX. The conversion occurred in XXXX XXXX which is when my problem began. With XXXX, we paid {$77.00} monthly for cable and internet. Our payments were always on time, and we never had an issue with their billing practices. XXXX unbundled our services, and began charging us {$120.00} a month. We called every month when we received our statement, and attempted to have this resolved. We were told to not pay until this billing issue is resolved, and they never charged a past due fee. I also told them every month to cancel our service, but they never did. They refused to help us. We also knew we were not the only people having these issues due to the local news reporting that the attorney general of Florida were keeping record of the issues with the conversion. We stopped receiving statements from XXXX in XXXX of XXXX. We have not received any phone call, letter or statement from XXXX stating we owed any amount since we had long since returned the equipment. In XXXX of XXXX, I checked my credit report and they just reported this as a deliquency of 120 or more days in XXXX XXXX. This is unfair, deceptive and illegal to never notify us of a debt owed. Also the debt XXXX is stating we owe is completely incorrect. I demand this be removed from my credit report and to have to this updated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a debt in full for XXXX XXXX I disputed it twice, I tried to upload docs, satisfaction of judgement is in. My score went done twice due to the error in not removing it my score was a XXXX and now and because I disputed and they kept it on my score went down
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised in the process of relocation. And this has not only affected me emotionally but also has affected my credit worthiness. It seems as in today 's world its easier for someone to become another more than one as their natural self. However, it's good to know that agencies such as the FCRA and FTC protects consumers from things of this natural from the three ( 3 ) major credit bureaus reporting false or fraudulent credit data. I'm demanding that the following accounts inwhich I'm personally affected by be blocked immediately from my credit report. Accounts ( 1 ) XXXX XXXX {$3200.00}, ( 2 ) XXXX XXXX {$1700.00}., please remove these accounts or provide me with physical documentation, signed, sealed and certified inwhich substantiate XXXX, Transunion, and XXXX credit reporting.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that XXXX, XXXX and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : DISCOVER BANK account number XXXX. XXXX XXXX XXXX account number XXXX. The following hard inquiries are fraudulent and need to be removed from my credit report : XXXX XXXX  Date : XXXX XXXXXXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX  Date : XXXX XXXX, XXXX XXXXXXXX XXXX Date : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX  Date : XXXX XXXX, XXXX XXXX XXXX Date : XXXX XXXX and XXXXXXXX XXXX Date : XXXX XXXX. These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 my cashapp was closed because they claimed to find activity related to Gambling ( raffles, lotteries, casinos, bingo, betting of any kind among others along with other potential violations. I called them and spoke to someone and told them that I have never done such things and I only had XXXX transactions before my ashapp was closed and both were familiar members and under {$40.00} one someone owed me like {$20.00} and the other someone sent around {$30.00} so I could purchase an item in the store. I have never done anything fraudulent with my cashapp. I gave my Inormation to the man on the phone and afterwards I was sent. XX/XX/XXXX I was sent For reference, your case # is : XXXX that my case was closed XXXX cause they provided a response about what was said above. I tried again yo call and got the run around and have yet to be told what transactions they are talking about that was fraudulent or gambling. There is no one to talk to and when I do I am told to contact XXXX.
Product: Credit reporting or other personal consumer reports

I sent out the information to the credit companies 2 months letting them know that these account were never late and paid off, but the havent responded back to me yet
Product: Credit reporting or other personal consumer reports

There's a few accounts that aren't accurate and Im not getting my accurate credit score and I would for you to remove them asap! It's getting in the way of my young life. And I can't do things freely and sigh up for things!

It's not ok for you guys to disregard/ignore disputes.
Product: Credit card or prepaid card

I am a XXXX XXXX XXXX XXXX XXXX who had a business credit card through CITI. Three days ago, I had a {$10000.00} dollar limit with a balance of less than {$2000.00} which included a {$320.00} charge I was disputing at the time. I use the card sparingly with no issue and have no late payments. So, imagine my surprise when i get an email yesterday saying they've reduced my limit to {$1900.00}. Now instead of a XXXX limit with an approx. {$1800.00} balance I now have a {$1900.00} limit with an approx. {$1800.00} balance. This will tank my business credit, adversely affecting my opportunity to fund my business now and secure funding in the future. I feel like its racially and gender motivated because there was no other reason for this. They clearly don't support small business or maybe it's just XXXX XXXX XXXX XXXX. Even if this were a legit account review how do you go from {$10000.00} to {$1900.00}?
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX [ XXXX TX, XXXX [ XXXX [ XXXX [ XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Credit Report Information Dear TransUnion, I hope this letter finds you well. I am writing to formally dispute certain information that I believe is inaccurate on my credit report, which I recently obtained from your agency. 

The details of the disputed information are as follows : - Account Name : [ XXXX XXXX - Account Number : XXXX - Disputed Information : Account status is I owe XXXX, I have paid this account in full. And I would like it updated as closed and paid. 

I believe this information is inaccurate for the following reasons : Ive sold the car with XXXX and paid it off in XXXX, and now have a new car. My account is paid in full. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and provide me with written confirmation of the results of your investigation. I have included copies of any relevant documents that support my case. 

Please ensure that the investigation is completed within the required XXXX timeframe, and let me know if you require any further information from my side to assist with your investigation. 

Thank you for your attention to this matter. I look forward to hearing back from you soon. 

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

i reached out to all 3 bureaus on XX/XX/year> about inaccuracies and fraudulent information on my credit report that needed to be deleted immediately. it has been 48 days!!!!!! i am going to the police to see what i can do about the cfpb and the bureaus not taking the proper action in the amount of time. this is ridiculous. im going to contact national news and make this a headline mark my words. 48 days and counting is illegal. do not be surprised when i get a lawyer involved.