23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

A perpetrator falsified  XXXX  on or around  XXXX   XXXX ,  XXXX . I suspect spoofing crime which bribed authorities on  XXXX   XXXX ,  XXXX . The same pattern of hazing crime was committed on another reference number which helped criminals make advance by falsehood and unconstitutional response to  XXXX . If a government does not care to pay or waste   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , it would not be my concern or fear. After all, some of them took grants, contracts or scholarship by malpractice or identity fraud.
Product: Debt collection

This debt was originally owned by XXXX XXXX XXXX  I disputed it with XXXX, XXXX and consumer finance because it was not mine. It was removed because it was not mine. It has now been purchased by I.C System Inc. and once again added to my credit report. They have never sent proof in written form, telephone or email of proof of debt. I know the debt is not mine, yet it keeps ruining my credit report every time it is sold to another company. I request that this XXXX XXXX XXXX mobility debt be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / XXXX , I applied for a  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card limit increase, which was initially declined approximate ly ten  days later due to my credit report.  XXXX  pulled up my  XXXX  credit report. Both  XXXX   XXXX  and  XXXX   XXXX   XXXX  showed negative credit information even though the information was not derogatory :  XXXX    XXXX   has been closed since  XXXX  ;  XXXX   XXXX     XXXX    advisory  that account was previously in dispute-Now resolved-reported by subscriber.   I called the customer service representative for each bank to have either the  XXXX   XXXX  account removed from my credit report or the  XXXX   XXXX   XXXX  advisory removed. Each customer service representative said that I had to contact   XXXX    and that  XXXX  would contact the bank.   I work very hard to keep my credit report pristine and accurate. I even pay to have credit report freezes placed on them.   On  XXXX   XXXX ,  XXXX , I was eventually able to get the  XXXX  credit card limit increase. However, it should have happened a lot sooner and with no problem.     Please, remove the  XXXX   XXXX  account and the  XXXX   XXXX   XXXX  advisory.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX , there are multiple inquiries from  XXXX   XXXX  and  XXXX  on my Equifax Credit file that I did n't authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I purchased a car at XXXX XXXX dealer located in XXXX XXXX Maryland. At the time of my purchase, I came into the dealership with a pre-approved purchase from a bank that I have used in the past to purchase cars.The Finance officer had my credit evaluated as a hard inquiry more than 6 times. I never gave permission to run my report as a hard inquiry as I already had an approval letter. I feel that this action has created a negative impact on my credit profile.
Product: Credit card or prepaid card

After filing an initial complaint in XX/XX/XXXX regarding Capital One rebilling and scamming me by keeping money refunded from a dispute, they have finally admitted XX/XX/XXXX that they rebilled me. They committed fraud per the Truth and Lending Act by keeping my refund of {$580.00} from a return of a dispute. They initially called it a permanent credit, although no Attorney General, Governor, CFPB or anyone at Capital One could explain what a permanent credit is. Per the Federal Trade Commission, a consumer can request to hear recorded calls to prove a dispute. They refused me listening to the recorded calls which would prove the disputed amount was never released but would have been held until the dispute was over XX/XX/XXXX. They closed my secured card that had a low utilization, always paid in full, before rectifying the disputed amount and rebilled my account. I was advised to file a complaint with your office and have got nowhere for two years but to stay consistent because I know what is due to me. I have filed a complaint under my emails : XXXX : XXXX ( XX/XX/XXXX ), XXXX ( XXXX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) and XXXX : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). Capital One was sending me a refund check since XX/XX/XXXX in the amount of {$26.00} that I never cashed. I have updated my complaint that I have a recording of a Supervisor of Capital One admitting that I was rebilled. Capital One has since updated the check amount to {$71.00} that states for rebilled amount. Capital One sent a letter not apologizing but saying, Good news dated XX/XX/XXXX. The letter is stating that *MY ACCOUNT WAS REBILLED*, *NOW THEYRE REIMBURSING ME*, ETC, things that I already knew! This is illegal under the FTC! Capital One has tried to assassinate my character by saying my account was closed due to checks being returned. The checks were returned because I wanted my refund from the dispute in the amount of {$580.00} to be released. During that time there was NO premeditated money or money issued before anything cleared. Therefore, nothing was spent of the {$580.00} that was never released. Capital One thought that I would forget about it, but I have emails, voice recording, letters, and bank statement, I want justice!
Product: Credit reporting, credit repair services, or other personal consumer reports

one fradu account has been reporting under my equifax credit reporting agency and they are giving me a very hard time about this, i have disputed several times as fraudulent but they are not disputing correctly and are giving me a very hard time. 
i have been very upset and distressed and not been able to function properly, about this matter, i have also attached my police report and other docs, but yet not been able to have this taken care of. 
i will be attaching this FTC report and police report and identification.
Product: Credit reporting or other personal consumer reports

Dear Transunion, XX/XX/2024 In Accordance with the fair credit reporting everything has to be XXXX percent accurate on my consumer credit report. 
The Credit bureau stated my account was properly investigated but how is that possible if the open date and close date and last date active is inaccurate. This is ground for deletion.

Inaddition you violated my right according to congress.

15 U.S.C 1681 section 602. A state I have the right to privacy.

15 U.S.C1681 section 604A section 2. It also states a consumer reporting agency can not furnish information without my written consent. Please show me where I gave consent. 
Also the credit breau took longer than 30 days to complete my investigation. 
The information that is showing on my credit report in correctly is XXXX XXXX financial account number XXXX. 

Please reinvestigate this is incorrect. if not moved I will have to pursue legal actions because you are damaging my credit report. 


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

My information on my credit report. This began XXXX of XXXX to current.There is four aliases and a address i disputed and its back on my credit reportXXXX XXXX XXXXXXXX XXXX, ca. As well as inquires, making fraudulent consumer complaints. I have been disputing all this stuff since XXXX of XXXX under my XXXX XXXX, and equifax. There was a business credit alert on my experian account in XXXX. There are several fraudulent business credit lines under two of my business XXXX and XXXX XXXX. 
My name is XXXX XXXX XXXX. My order of protection XXXX including my original documents of rXXXX XXXX XXXX as well as a copy of case docket were exposed on dark web and public. I picked up a copy of my case docket in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified and disputed a incorrect information on various accounts I sent a court order and they refuse to acknowledge it
Product: Checking or savings account

Two unauthorized charges were posted today, XX/XX/2022 on my bank account -- one for {$5.00} and one for {$100.00}. I was first notified of the charges on Saturday, XX/XX/202. Ally texted my alternative phone number first before notifying me and then proceeding to notify me through my email and my primary phone that a fraudulent/suspicious charge was on my account. They were incorrect in the text messages saying that {$100.00} was charged, and it was actually {$100.00}. The text message notifying me also was vague and unclear as it stated " Reply YES or NO to authorize '' implying that if you texted yes or no, it would authorize the transactions. I replied with " No '' in the sense, that I did not want to authorize any transactions. Immediately after I sent that, another message sent stating that I'd receive a call from a fraud specialist. I received a call on Sunday, XX/XX/2022, however I never got in touch with a real person and was put on hold. After about 10 minutes, the automated call stated that there were no specialists available and hung up. 

I filed disputes and have not heard back. I am disappointed with the bank since I have been a customer of 8 years. Their dispute questions also seemed like leading questions to frame that maybe it was someone I knew or a company that I had paid before from my bank which is not true.
Product: Debt collection

I wrote Merchants Credit on XX/XX/2021 asking them to Validate some items on my credit report pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. They were unable to validate the debt, and only tried to send verification of debt on XX/XX/2021. 

I phoned them today to follow up on this letter i recieved and they told me that they don't have to " validate the debt '' and refused to remove these items from my credit report. 

I have both letters. I would like to have these items removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,  XXXX  CFPB : JPMChase denies me credit as retaliation for complaints that I have filed against JPMChase, and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the pa st five ( 5 ) years . JPMChase claims that I owe it over {$140.00} on my JPMCha se Visa Platinum Credit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee  on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX , JPMChase alleges that it performed more than {$140.00} of Maintenance on my Family Homestead,  XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance. JPMChase threatened to take away m y Family Homestead and  the personal property  of five ( 5 )  generations of my family, if I did not pay the Undeserved Maintenance Fee. JPMChase intimidated me into paying the Undeserved Maintenance Fee.   I demand that JPMChase remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my JPMChase  Visa Platinum Cre dit Card.   If CFPB can not get JPMChase to agree to this, then I request CFPB to get JPMChase to accept payment from my JPMChase Checking Account to Completely Pay Off the alleged Outstanding Balance on my JPMChase  XXXX   XXXX  Credit Card. And remove the negative information.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX
Product: Vehicle loan or lease

I recently reviewed a copy of my equifax credit report notice I have fraudulent and inaccurate balances on my account as well data breaches XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX this these fraudulent and accurate and false information consist of personal credit card auto loans and inquiries XXXX XXXX bank account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX the information listed on these accounts is not accurate please remove all fraudulent accounts immediately due to law case ( PURSANT TO F.R.C.A 605B 15 USC 1681C-2 )
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting

I reviewed my transunion credit report today and noticed that there have been XXXX hard inquiries put onto my report. Some of these are from XXXX ( which should not be on being it 's XXXX XXXX XXXX ). The other one 's are from XXXX. I immediately called transunion and was told they ca n't remove hard inquiries that I need to contact them directly. I tried to contact them directly but have no phone numbers. I have not applied for credit in a few months now as I am trying to increase my score and having any inquiries will affect my score. I am submitting this complaint because I did not apply for any credit with any of these companies plus as I mentioned earlier some of them are from XXXX that were just put on today. This is unheard of and transunion will not help me.
Product: Credit card

I have another complaint # XXXX filed as of XX/XX/year> and the complaint about filing today is relating to. 

I received the email sent by XXXX today. I checked it and found out that there is a bad credit. Please see XXXX XXXX of the attached documents : XXXX XXXX and Credit Report, hereto. 

I can indicate that their multiple withdrawals from my bank account : XXXX Bank and none-linked bank account : Capital XXXX are process of fraud made by CITIBANK , N.A . 

I want CITIBANK , N.A . to fix this bad credit and reimburse money now. 

CITIBANK , N.A . should reimburse me over-withdrawn-money to use wire transfer to my bank account immediately.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and other income deposits. capital one has cited technical issues which may violate the EFTA ( electronic funds transfer act ) as it requires timely access to funds. This situation rises concern about my consumer protection laws, and I request your assistance in investigating this matter ensure my rights are upheld. This has affected my personal life. I have been unable to provide for my children and my family and have no other source of income to lean on. Please help with this matter, Thank you.
Product: Student loan

Mohela has failed to communicate important and accurate information in a timely manner. Mohela student loans were put into forbearance due to the covid pandemic from XX/XX/XXXX- XX/XX/XXXX. I received communication stating that loans would go back into repayment starting XX/XX/XXXX. Therefore, I made a payment of {$21000.00} that went through on XX/XX/XXXX. In XXXX and XXXX I continued to get notifications and billing statements that stated that monthly student loan payments were due. I made multiple attempts to pay those bills. However, each time I would make a payment I would be notified that my financial institution returned my payment due to No account/ unable to locate. I continued to get notifications that my account was past due. On XX/XX/XXXX I received an email that stated Your account has been placed into an administrative forbearance ( meaning no payment is required ) for payments due between XX/XX/XXXX, through XX/XX/XXXX. You are not required to make a payment until XX/XX/XXXX This was the first time I was notified that my account was in forbearance. Which means I was notified after the forbearance period was over. 

Had I known that my account was in forbearance I would not have made the {$21000.00} payment. I also would have not attempted to make any further payments during that time. In addition, Mohela also shows inaccurate information when I try to view my PSLF qualifying payments online. I wouldnt have made the {$21000.00} payment if I knew that the number of PSLF eligible payments was inaccurate on my account when I view it online. 

Repayment has again restarted in XX/XX/XXXX. I attempted to make a payment on XX/XX/XXXX. The payment was again returned to me and I received the same message that my payment was returned for the same reason of No account/ unable to locate. I continue to receive notifications that my account is overdue despite multiple efforts to pay it. I spoke to an agent on the phone on XX/XX/XXXX and was told that a supervisor would call me back. I spoke to a supervisor on XX/XX/XXXX and she could not determine what the issue was. I was told they would investigate it further and call back within 7-10 business days. Meanwhile, my account is still accruing interest and Im unable to make any payments. I would like all payments made from XX/XX/XXXX - XX/XX/XXXX to be returned to me. I was given misleading and false information. These issues can never be resolved due to long call wait times, and processing errors and delays.
Product: Debt collection

They called me claiming that I owed an insane amount of money for a toll I supposedly took from two years ago. This is absolutely the first time I have heard of anything at all. They said it was my fault that I did not know I was being charged and that I never got a bill. Since this was the FIRST notice of any bill at all, I offered to pay the original bill which was {$3.00}, but they said I owed over {$77.00} because I was sent to collections without my knowledge. I will not be bullied into paying this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago a vehicle was incorrectly listed on my credit report. All 3 reporting agencies : Experian, XXXX  & XXXX, refused to report it accurately as the lender stated that it was correct. This has made it impossible for me to rent or get a mortgage for over 5 years. Recently, the lender reached out and sent a letter of apology and a cashiers check to make up for their error. I sent this letter to the credit reporting agencies, and they still refuse to remove it from my reports. This is not only scandalous, it should be illegal. I want XXXX XXXX account removed, in its entirety, from all of my reports. 

Thank you, XXXX XXXX XXXX XXXX
Product: Debt collection

I recently became aware of an eviction on my consumer report, which is the result of fraudulent activity. I have never been involved in any eviction proceedings, nor have I ever lived at this address. I have supporting documentation from relevant authorities that prove the discrepancy is in the process of being removed, which I can provide at your request. I want to clarify that this is an isolated incident and does not reflect my character or financial responsibility. The issue is currently being rectified, and I have taken all necessary steps to ensure its resolution. I am a victim of identity theft or fraud and have taken appropriate actions by reporting the incident to the authorities and providing supporting documentation. I kindly request your intervention in removing this fraudulent record. Your understanding and assistance in this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), if a credit bureau can not verify information with the original creditor, they are required to delete that information from the consumer 's credit report ; this principle is generally understood as part of Section XXXX ( a ) of the FCRA, which mandates that credit bureaus must remove inaccurate, incomplete, or unverifiable information upon dispute from a consumer. I have spoke with the bankruptcy courts and they confirmed that they have not or will never share information with credit bureaus or third parties. XXXX, Experian and XXXX need to delete this information off my credit report. It has been more then XXXX days since my last filed dispute. 
By XXXX FCRA Bankruptcy 15 us code 1681A2b By law 15 us code 1681A2b XXXX loans. 
I have disputed this information with all XXXX credit bureaus XXXX  times and they are refusing to follow the law of FCRA. I have no other choice but to file a civil lawsuit because of these bureaus violating my consumer rights. It has been more then XXXX  days for all companies to do whats right by consumers. They have failed to do this. I will be filing civil lawsuits against the companies. 
According to the Fair Credit Reporting Act ( FCRA ) Section XXXX. It is illegal to report information on my credit report without my permission. Please remove these negative items from my credit report.