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

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} ; XXXX SELF-REPORTED XXXX Balance : {$150.00} ; XXXX SELF-REPORTED XXXX Balance : {$10.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, XXXX and trying to make things happen for my family back home, but I'm getting denied based on information from a company I have never heard of called XXXX XXXX. I've tried contacting them to get information and apply a freeze on my report, their phone automatically goes to a voicemail and they never call back. I've called 86 times and left 86 messages and they won't call back. As I've never heard of them, I refuse to send PII to them over the mail or by fax. They need a working phone number so that I can apply this credit freeze.
Product: Credit card

Clearly I did not make these 2 fraudulent purchases from a XXXX miles away from my home. 
XXXX {$270.00} XXXX {$180.00} Yet Citi chose to make me responsible for the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX credit card # : XXXX and my XXXX XXXX XXXX XXXX XXXX   credit card # : XXXX is lost/stolen, and all the transactions on my credit card accounts is fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX  names and primary names that are not correct and alot of unauthorized inquiries and one account marked late that I was not late on
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter in I share a joint account at Mavy Federal Credit Union. She applied for a personal loan on XX/XX/2023 however the application was ran under my credit report instead. When I received the alert on my credit report i immediately called Navy Federal. The company said they are unable to remove the inquiry on my report because the application was done on my NFCU application. I explained in detail that my daughter which is XXXX was applying for the loan on her own but the representative insisted it wasn't anything they could do. I advised the representative that I am currently in process of a refinance on my home and I can't have any non valid inquiries on my credit.
Product: Vehicle loan or lease

I leased a XXXX from a local dealer in XXXX, MA for a 42 month term. As the lease approached end date in XX/XX/XXXX, I was told by XXXX that an appraiser would visit and assess value of the vehicle. The appraiser came about 3 wks before end of the lease and took pictures of the car and looked all over it. He did not explain anything to me about the process. He explained that I would receive a closeout statement in a few weeks. 

I returned the vehicle to the XXXX dealer. The dealer had no idea how to receive the vehicle or what information to collect or share with me. The lease hold ( XXXX XXXX ) told me to return it to that XXXX dealer. Eventually the sales manager decided to give me a mileage statement and signed proof that he had taken the vehicle into his custody. I removed the license plates and left. 

A few weeks later, Chase contact me to tell me that damage ( scratches, ripped seat fabric, etc. ) had exceeded the {$1000.00} allowance and that I was obligated to pay for additional damage. More importantly, they told me that because I had returned with not-orginal tires on the vehicle I would being charged to restore the equivalent of the orginal tires. I explained that I put the tires on in winter ( the factory installed tires were useless in snow ), and that I left the summer tires ( original manufacturer installed ) in the back of the vehicle. Chase first told me they had no record of me leaving the tires in the vehicle. Later, they changed this story to say that the tires had insufficient tread. Either way, they want me to pay {$110.00} for each of the four tire. They said the vehicle has been sold and they have no record of what became of either set of tires. 

They keep telling me that the tires are listed in the lease agreement, but I do not believe that replacing the tires with BETTER tires AND returning the original tires ( dismounted ) should make me obligated to pay for new tires. As a side not, I drove the vehicle 10K less miles than my lease agreement ( a total of about 32K ), and since half of each of those years I have the original tires on the vehicle, they clearly would NOT have been worn down. 

I have indicated to Chase that I will pay the incidental charges for scratches in paint and upholstery damage ( totaling about {$240.00} ), but I refuse to pay them for the tires. They either have to release that charge OR return at least one set of the tires. Actually, they should return BOTH sets of tires if they want me to buy new ones. 

I am being taken advantage of and I wish that they would stop harassing me.
Product: Checking or savings account

I filed a dispute on XX/XX/2020 after signing up for alerts from Wells Fargo, and I started getting notifications that my card was being used repeatedly. I was given a provisional credit which was reversed and basically took all the money I had left in my account. 

I talked to a supervisor who informed me that ALL my money would be returned if the vendor doesnt respond by the XX/XX/2020, which wouldve been 30 days. The XXXX comes and go and I still dont have my money back. During the phone call with the Supervisor, which was recorded, he informed me not to worry, that merchants never respond because the fraud was done digitally online and that there isnt anything that the merchant can respond with that wil change the outcome, he said you will have you your money back because the MERCHANT WILL JOT RESPOND! 

Now, they are telling me I have to wait another 120 days for a response from the merchant, event though theyve said repeatedly that the merchant will not respond because theres no evidence that the merchant can provide since the fraudulent charges were done online. He said theres no sign contact or verbal agreement and no video or photo evidence. Once again they all reassured me the merchant wont respond. 

They are holding my money hostage and I have a family and bills they are past due, because of their lack of care for their customers. I told them last Monday was my last day at work and my family needs our money. I dont understand how these big companies has the power to take customers money. 

I just got off the phone with a rep at XXXX XXXX today that also informed me that she also already know the merchant wont respond. And MERCHANTS HAVE 30 days to respond to disputes, which the merchant didnt do by the XXXX of XXXX, therefore the merchant wont respond or challenge the dispute. Wells Fargo seems to be a predatory company. I have deposited almost $ 100k in my account since XXXX of this year, yet they take my hard earned money. If this complaint doesnt resolve my issue immediately, I will be taking legal action, I have recorded my last 4 phone calls with their agents, which proves what they told me. 

Thank you CFPB for being a voice for customers!!
Product: Credit card or prepaid card

I opened a bank account with navy federal and within 30 days a credit card was set up with a person I do not know as a authorized user. Navy federal doesnt car and wont tell me if my social or my daughters is at risk we both got accounts
Product: Credit card or prepaid card

I have had a credit card account with US Bank since 2014. I have never missed a payment. When the Pandemic struck last year, I paid off the balance of {$2600.00}. I have been very careful not to incur any extra expenses this last year. My interest rate was 16.99 %. Today I got a notice saying my interest was being raised to 21.49 % and they said it was because : 1. Ratio of Balances to Credit Limits on Revolving Accounts is too high. 
2. Proportion of Loan Balances to Loan Amounts is Too High. 
3. Amount Owed on Revolving Accounts is Too High.

4. Too Many Consumer Finance Company Accounts.

All of the above is false. 
I currently have {$100000.00} in available Credit I currently owe a total of XXXX in credit card across 4 Credit Cards. 22 % usage. 
I have a XXXX Balance on THIS US BANK CARD. 
I have one loan that is a Mortgage. 

I can not imagine what this action would have done to me if they did this to me and I had a balance due in the middle of a pandemic. 
My credit score with XXXX is XXXX With XXXX  it is XXXX With XXXX  it is XXXX. 
I believe this company is mad because I paid them off last year when the pandemic hit and they are not getting interest from me carrying a balance on their Credit Card. This is punitive action for me being a good customer and making all of my payments on time. This is punitive action in the middle of a pandemic because I am being extra thrifty and being careful not to spend. They have never raised my interest rate for the 7 years I have had this credit card. Likewise, they never reduced my interest rate during their " 6 month reviews '' when I was carrying a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian and XXXX credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of account that does not belong to me or was opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX Balance : {$610.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S.C 1681 section 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request a correction of inaccurate information on my Equifax credit report, which I initially brought to Equifax 's attention on XX/XX/XXXX. To date, Equifax has not responded or taken action regarding the following discrepancies : Account : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Reported Balance : {$800.00} I dispute the reported balance of {$800.00}, as I recall the amount to be lower. Furthermore, I request the removal of the Past Due amount, as this account is closed and charged-off. To prevent adverse effects on my credit score, I also request that Equifax mark this account as disputed. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$270.00} I dispute the accuracy of this account 's information, including the listed original creditor. I believe the reported balance of {$270.00} to be incorrect and request verification of the Date Opened and Date of First Delinquency. 

Account : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2100.00} I dispute the information presented for this account and assert that the original creditor is AT & T MOBILITY, not SUNRISECRED. The reported balance of {$2100.00} is inflated and inaccurate. I request the entire account be investigated, and I insist on verification of the Date Opened and Date of First Delinquency. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$760.00} XXXX dispute the information on this account and assert that the original creditor is XXXX XXXX BANK, not the collection agency you have reported. The reported balance of {$760.00} is inaccurate, and it exceeds the High Balance on the account. I request a full investigation of this account and verification of the Date Opened and Date of First Delinquency. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$290.00} I dispute the accuracy of this account, as I recognize the original creditor as XXXX XXXX, not XXXX XXXX. The reported balance of {$290.00} is higher than what I remember. I request a complete investigation of this account and verification of the Date Opened and Date of First Delinquency. 

Account : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$2200.00} I request the removal of this account ( NETW ) from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned today that Equifax was responsible for leaking my information to parties that were not given consent to have that information. This information includes my name, address, date of birth, social security number, and everything else needed to make charges on my accounts, open new accounts, or to steal my identity. When using their tool to find out whether my information could be compromised, they tried to make me sign away my ability sue them either individually or in a class action lawsuit in order to ascertain whether MY information was compromised. I view all of the above, and especially the latter, to be egregious in nature, especially since they knew my information was at risk for the last three months and only just released this information to the public recently, and made sure to cover themselves before their responsibility to those who they serve.
Product: Debt collection

In XX/XX/XXXX called to set up a payment plan with Pressler Felt and Warshaw ( PFW ) for a known owed debt. Received a payment agreement letter stating they will agree to accept {$3600.00} total which includes office fees. The plan agreed was {$400.00} due the XXXX each month starting XX/XX/XXXX. The credit card company suing requests {$3200.00}. In the agreement letter it states that the funds will be applied to my balance. After unable to financially keep up with payments, the agreement was terminated and continued to my wage being garnished with the award to the credit company being {$3200.00}. After reaching out several times to PFW, I have recorded conversations, they refuse to tell me if my ( XXXX ) payment of {$400.00} given XX/XX/XXXX was applied to the balance and was told to reach out to the court officer listed on my garnishment letter. Since then it has been more than difficult to get in contact via phone with them, but they still send me letters, most recent being XX/XX/XXXX stating that I owe over {$500.00} to them.
Product: Debt collection

Hi XXXX XXXX Sequium Asset Solutions/ XXXX XXXX / Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have reached out periodically to Experian. Yesterday, I made six calls and repeated the same information over and over. I was transferred to 2 supervisors and after a long hold they disconnected the phone call. 

Everywhere on my Experian report it says that all of my payment have been paid as agreed. Except for my score profile. This is an Experian error, therefore since this error is not attached to an account I can not electronically dispute it nor will they let me dispute this error by phone. 

Per Experian Report What's helping your score? 
No Missed Payments Low Revolving Credit Usage Recent Credit Card Usage Not Seeking Credit What's hurting your score? 
Few Accounts Paid On Time ( please notice Experian 's helping my score says no missed payment, which are correct ) You have few accounts that are in good standing. ( I have 3 open accounts and according to Experian 's report ALL of my account have been paid as agreed, which is correct. 

Number of your accounts currently being paid as agreed 2 accounts ( Your score Profile XXXX Scores are used in 90 % of credit decisions. In fact, XXXX  Scores are the global standard for lenders in the banking, mortgage, credit card, auto and retail industries. XXXX Score 8 ranges from XXXX to XXXX. Higher scores are better. 

What's helping your score? 
No Missed Payments Low Revolving Credit Usage Recent Credit Card Usage Not Seeking Credit What's hurting your score? 
Few Accounts Paid On Time You have few accounts that are in good standing. ( Please see Experian credit report ), simple incorrect information. 
Number of your accounts currently being paid as agreed 2 accounts -Experian 's report shows three active accounts that have all been paid on time. 

The XXXX  Score considers the number of accounts showing on time payments. Compared to other people with a similar age of credit history, the number of accounts you have that are currently paid as agreed is low.