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

For a few years now my mother and sisters have taken money that was in my name by forging my name and have even forced me to sign legal documents and today they continue to live off of my money. Over the years they have stolen and if I try to talk to them about money they deny all of it. They bank with Capital One Bank in XXXX, Louisiana and they have other bank accounts they have used as well. I spoke to Capital One in XXXX a few times over the years and they don't help. Can someone please investigate their bank records over the last 20-25 years? I know they all live outside of their means and have my money. my mother was fired from the local hospital about 17 years ago but says the money she has is from retirement but it's not. She lives comfortably. I asked the XXXX police for help but when I file a report they won't call me back or give me a copy of the report. This is a small town and lots of fraud happens here. 
My mother name is XXXX XXXX XXXX, my sister 's name 's are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE investigate this by looking into their accounts. I don't want them to know I reported it because I am now living with my mother and don't want them confronting me. 
Please call me or email me. 


Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hi, I opened an American Express Business Platinum credit card on XX/XX/XXXX. I used the card until XX/XX/XXXX and spend more than {$30000.00}. In addition to exceeding the minimum spend, I paid a {$450.00} annual membership fee on the first month.

I decided to proactively cancel the card in XX/XX/XXXX. I wasn't told that closing the account will clawback the points I earned. One week after I closed the account, I got a Point Adjustment of XXXX which is the original promotion.

So I ended up spending XXXX on membership fee and more than {$30000.00} in regular charges and didn't receive any benefit.

I think what is advertised is very different than what is realized. Customer service should have informed me about the clawback when I called to close the account.
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 : XXXXXXXX XXXX XXXX {$12000.00} XX/XX/2022 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.

XXXX has not provided validation requested several times trough the credit bureaus an directly. I don't know who is XXXX and why are they traying to collect and what and why.
Product: Credit reporting or other personal consumer reports

I do not recognize this address I do not live there please have address removed from my report thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, someone used my e-mail address to commit fraudulent loan stacking with XXXX XXXX XXXX online. One of these companies, D.B.A. " Balance Credit '', out of XXXX, TX still has not stopped trying to collect. I get e-mails almost every day from them even though all of the other loan agencies stopped immediately. None of the loans appeared on my credit report, so I did not file a police report. Balance Credit will not stop e-mailing me unless I provide a police report, so we have been in an annoying back-and-forth for weeks. They are not getting money from me because I owe them nothing, yet they continue to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of some accounts on my credit report that do not belong to me. The reason why I ever looked over my credit report is that my cousin asked me if I could co-sign for him to buy a car and when they ran my credit I was told that I didn't qualify to be his co-signer because of my " bad credit history ''. None of those accounts that they referred to as negative belong to me ; I did not open any of them and I did not give anyone else permission to open them in my name. I was not part of any payment or purchases that were made using these accounts nor did I benefit from them in any way. I have already filed an FTC identity theft report regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and this complaint can also be associated with case # XXXX. IF you look at that case the client clearly stated the following. 

" However, in an effort to resolve this matter, we have terminated collection efforts on the debt and requested the credit bureaus to delete our tradeline. '' I need this account updated asap and this trade removed from my file asap and an updated credit report sent out to me asap. 

Account name XXXX XXXX XXXX Account number XXXX Experian Report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I sent XXXXhree letters to XXXX XXXX  demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the account XXXX reported in my credit, they fail to positively verify the account and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. The company sent me an agreement without any signature, my signature is not on it. 
I demand the account be verified or removed immediately XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of fraud. I have sent multiple of letters to Equifax to resolve this problem ; but the problem still not fix after three ( 3 ) months. I have sent a copy a police report with notarize documents to support my claim. I also sent copies of my drivers license, a utility bill in my name and my social security card. Equifax is not working to resolve my problems. I want these fraudulent accounts remove off of my credit reports. By law according to the FCRA I have rights and I will exercise my rights to get a lawyer if this problem is not fix within the next 30 days. I have ask for physical verification from these companies three months ago and still haven't receive anything. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer contract- any of the accounts you post on my credit report. I demand to see proof. Also according to the FCRA it's against the law to report inaccurate information on a consumer credit report. I have notified Equifax on numerous occasions. I contacted Equifax on these specific dates XX/XX/2018 - XX/XX/2018 - XX/XX/2018. The fradulent accounts that's still showing up on my credit report is ( 1 ) XXXX-acct # XXXX ( 2 ) XXXX XXXX XXXX acct # XXXX ( 3 )  XXXX   XXXX.-acct # XXXX ( 3 ) XXXX-acct # XXXX ( 4 ) XXXX-account # XXXX ( 5 ) XXXX XXXX-acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of hard credit inquiries that were conducted without my authorization. As a responsible consumer, I monitor my credit report regularly and recently noticed several hard inquiries that I did not authorize or expect. 

I understand that hard inquiries can have a negative impact on my credit score, and it is concerning that these inquiries were conducted without my permission. I have reviewed my records and can confirm that I did not initiate or authorize any credit applications or requests that would warrant these inquiries. 

I kindly request that you investigate this matter and take the necessary steps to have these unauthorized hard inquiries removed from my credit report. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your assistance in this matter. 


XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

Hello I opened a Citi AAdvantage XXXX  card, which proeminently featured " no annual fee '' in multiple places ( on the website, marketing material and even the disclosures, evidence attached ) However, the credit card I received, while similar in color and in name, came with different conditions. The most glaring difference is the disclosure : the website said " Annual fee : None '' while the paper disclosure I received said " Annual fee : {$99.00}. However, the annual fee is waived for the first XXXX month ''. 

I never agreed to that. 

As the advertisement did not clearly and conspicuously state this membership or participation fee that could be imposed, I consider this a direct violation of 1026.16 ( b ) ( 1 ) ( iii )
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received the normal deflec lietter stating I MUST PROVIDE SPECIFIC IDENTIFCATION FOR THEM TO BE ABLE TO RESEARCH my complaint. Well sadly they have that information but evidently do not know it. Next the CFPB SOFTWARE does not allow the transmission of the last 4 of my SS on the complaint. An error that has gone unresolved by the CFPB for years! Sadly, because this company does not report real time their are balance issues on as number of current accounts THEY LIST! ( my wife 's and mine ) that do not reflect correctly.CREDIT CARDS XXXX BAL, LOANS XXXX, CAR PAID AND DISPUTES and negatives settled and paid. These lenders can hold off months posting correctly while negatives are posted IMMEDIATELY holding AMERICANS XXXX financially while they take their sweet time. Opinion evidently a good scam to keep ones fica score low to make more $ $ $ - fact! So please only the stupid so not know the game! And do not expect the CFPB to correct their errors because they never read the complaint just jail it or their employees may speak some XXXX but evidently do not comprehend it?
Product: Debt collection

I received a phone call on XX/XX/2022 at XXXX from XXXX XXXX XXXX Leviton Law . He claims I owe over {$6000.00} on an insurance policy from a company through which Ive never been insured. He stated I could call back to remit payment. I received another call on XX/XX/2022 at around XXXX claiming that if I do not pay the amount, he will begin litigating against me. I have never been notified through email or letter, and he has never stated my name in the voicemails hes left. Ive never heard of the insurance company he says I owe money to, and I can not find them on the internet anywhere. Hes never even stated the exact amount owed- just always says over {$6000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally believe I am being taking advantage of by charging me {$120.00} each month for removing negatives items from my credit report. My FICO Score with all three credit bureaus : XXXX FICO Score still remain at XXXX, XXXX FICO Score Still Remain at XXXX, and also XXXX FICO Score remain at XXXX. I have been client of LexingtonLaw sense XX/XX/XXXX through XXXX. They are not being honest with me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report by XXXX XXXX XXXX. This account ( Account XXXX XXXX ) does not belong to me and is only being reported by TransUnion XXXX not by XXXX or XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and privacy of information contained in consumer reports. The specific sections of the FCRA that are relevant in this case include : Section 609 ( 15 U.S. Code 1681g ) : This section entitles consumers to request all the information a consumer reporting agency has on file.

Section 611 ( 15 U.S. Code 1681i ) : This section requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information.

Section 623 ( 15 U.S. Code 1681s-2 ) : This section mandates that furnishers of information, such as XXXX  XXXX XXXX XXXX report accurate information and correct any previously reported inaccurate information. 
The presence of this erroneous account is not only a violation of my rights under the FCRA, but it is also causing significant harm to my creditworthiness. As a result, I am facing undue hardship, including difficulty obtaining new credit and increased financial stress.
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 right to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX Name : XXXX XXXX Account name : # XXXX Name : XXXX XXXX  Account name : # XXXX : XXXX XXXX XXXX Account XXXX : # XXXX : XXXX XXXX XXXX I XXXX XXXX XXXX Transunion report on XX/XX/2024 and noticed somethings are incomplete and not accurate. According to to 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 1681I 5 they are suppose to do this ( 5 ) Treatment of inaccurate or 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 the 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 supposed 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.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer credit report, I discovered that I am the victim of identity theft. My identity has been fraudulently used to obtain credit. I have attached the account name and partial account number for reference. This inaccurate reporting on my credit report is causing me to not be able to purchase a home. Please make this company verify my identity. They will have no signed documentation from myself or anything proving that I actually opened this account. Thank you for your prompt attention to this matter. 

XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I received a business loan from American Express Company. The loan amount was {$15000.00} and the proceeds were transferred to a credit card in my name. Unfortunately I provided an incorrect account as the transfer resulted in a large overpayment/credit balance. 

This then triggered a return of the funds or a partial return as some of the funds were in fact used to pay off the balance that did exist on the receiving credit card account. This electronic transfer of funds back to the Payer - American Express was executed on at about XX/XX/XXXX. While American Express has confirmed receipt of the monies on or about XX/XX/XXXX, they still have not applied the monies to my " outstanding balance ''. They have contacted me on at least two occasions to apologize and reassure me that they are trying to track down the returned funds. To date this has not happened and I remain with an outstanding loan balance which is inaccurate, an inability to request a new loan and a credit score that is adversely impacted by this AND I am unable to use the funds that were originally requested, approved and issued. 

Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with Experian Credit Reporting Agency Approximately 3 years ago,, I disputed a number of items on my credit report, especially those that were opened over 7 years ago. They refused to remove it and said it would n't be removed until XX/XX/XXXX ( 15yrs later ). 

I 've been the victim of identity theft and notified them of this also and therefore requested any old information and inaccurate information be removed. 

I 've worked hard to maintain an excellent credit rating and now it 's dropped over 100. This is n't a true reflection of who I am or my beliefs as a person and its ' worth fighting for in my opinion. 

For the record, I had no issues from XXXX XXXX when I made the request. 

My email : XXXX and you have my address please correspond accordingly. I 'd like to correspond by phone but I do n't trust it any more. 

Example : XXXX XXXX opened XX/XX/XXXX, closed and in good standing when closed over 3 years ago ( XX/XX/XXXX ). 

XXXX XXXX XXXX : Opened in XX/XX/XXXXClosed No XXXX XXXX XXXX has ever had a late payment. I made 2 payments in XX/XX/XXXXfor both XX/XX/XXXXand XX/XX/XXXX.  However a late payment is shown in XX/XX/XXXX Asked to be Corrected - No change Remove all Credit System International - Never received a bill. Paid once I saw on the Experian report. 

All Accts below are either over 7 yrs old or not mine ( fraud ) : XXXX Formerly XXXX - Not my acct. 
XXXX XXXX/XXXX XXXX
Product: Mortgage

Acquired 2 mortgages in XX/XX/XXXX with Aurora Loan Services , LLC and then they were bought by Nationstar Mortgage , LLC and later d/b/a Mr Cooper, The 1st mortgage was sold further to XXXXXXXX XXXX and later to XXXXXXXX XXXX XXXX XXXXXXXX None of them has my payment history from XXXX - XXXX, which they should have gotten with both loan details and necessary Information. Now, I asked for the payoff from the 1st mortgage and they sent me the payoff with an extra XXXX, exact explanation was " Non-Interest Bearing Principal Balance '' and some kind of Interest accumulated fee as well. 
I called Mr Cooper to get an explanation on these extra amounts added to my payoff and didn't get the information requested. It seems that the mortgage companies adding their fees pulled out from nobody knows where. I don't agree to all these, that's why we need to stop these nonsenses.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( LVNV FUNDING LLC ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( LVNV FUNDING LLC ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( LVNV FUNDING LLC ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( LVNV FUNDING LLC ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.