23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. XXXX  XXXX Account Number : XXXX XXXX XXXX, 2024, XXXX XXXX XXXX Account Number : XXXX XX/XX/year>2024, XXXX  XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX2024 and XX/XX/year>2024, XXXX XXXX  XXXX Account Number : XXXX XX/XX/year>2024, XXXX XXXX XXXX XXXX,2024 XXXX XXXX  XXXX XXXX,2024, has violated my rights. I looked at my Experian credit report on XX/XX/year>2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are 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: Checking or savings account

The magnetic strip is falling off the back of the debit card and can no longer be read. It due to be replaced early next year anyway and is normal ware and tear. When requesting replacement card they insisted on charging me a {$5.00} fee. I should not have to pay for their card failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company keeps putting missed payments to keep putting on my report. Also company broke many laws I was never notified of a repo my ex wife was supposed to take over payment. Never was notified when it got repoed to have a chance to but it back up. Now was closed in 2017 but they keep trying to add different close dates to keep it on you can see two different dates on the report
Product: Debt collection

On XX/XX/year>, someone took a secured loan in my name in the amount of {$1600.00}. I disputed this information on my credit file, and XXXX XXXX  XXXX will not remove the account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan, not a title loan, exactly once. I informed the representative who contacted me that I never applied to use a vehicle as collateral and that I was not interested. Now, I see no less than XXXX XXXX XXXX hard inquiries on my Experian credit report alone. <P/>Frankly, I did n't even authorize the type of application they ran the first time, let alone XXXX more times. <P/>Experian claimed it was only able to remove XXXX of these inquiries and suggested I contact you.
Product: Debt collection

I have XXXX issues after viewing my credit report. XXXX XXXX cillection agency is reporting a collection that was paid to the original creditor XXXX tthey frauduletly missreoresenting my credit profile and damging my credit score that is truly disturbing me mentally. This account needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, and I noticed that unauthorized inquires have been made ( see below ) I request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed below. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

I also requested removal of multiple addresses found on my credit report 60 days ago. I would like them removed immediately, and have my current address updated on all credit reports. My Correct address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. 



PLEASE REMOVE THE FOLLOWING : FCRA VIOLATION XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX Below you will find inquires that need to be removed, see attached files as well. 




XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you for your help and assistance. 

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

On XX/XX/XXXX, I received a personal loan from the XXXX XXXX, XXXX branch of XXXX XXXX XXXX. On XX/XX/XXXX, my wife and I filed Chapter XXXX Bankruptcy which included that loan. The bankruptcy was completed on XX/XX/XXXX, and the loan is being properly listed on my credit report as Chapter XXXX Bankruptcy. 

However there is another loan listed on my credit report under Mariner Finance. It was also reportedly issued on XX/XX/XXXX, with a last payment made date of XX/XX/XXXX, the exact dates reported by XXXX XXXX XXXX. This loan is being reported as Unpaid Balance Charged Off. I have never applied for or received a loan from Mariner Finance, and certainly did not apply for or receive two entirely different loans on XX/XX/XXXX, as is currently claimed on my credit report. 

In XX/XX/XXXX, XXXX XXXX XXXX merged with Mariner Finance , LLC and on XX/XX/XXXX, the company became known as Mariner Finance. It appears that sometime between the merger and the final discharge of the debt, the account was transferred from XXXX XXXX XXXX to Mariner Finance, resulting in a new account number. That doesn't make it a new loan or change the fact it was XXXX, however. 

On XX/XX/XXXX, I submitted an online dispute with XXXX, identifying the duplication and noting this was likely the same loan reported twice. On XX/XX/XXXX, I received a reply claiming the accounts were verified as accurate. I'm not sure how it was verified, but someone, somewhere, is mistaken. 

I contacted the main office of Mariner Finance on XX/XX/XXXX, to correct this error. I spoke with XXXX and explained the problem, and was transferred to XXXX at the XXXX XXXX, XXXX branch. After I explained again, XXXX told me that her manager, XXXX, was out of the office but would return my call the following day. On the XXXX, my wife spoke with XXXX, and explained the situation yet again. He stated repeatedly there was nothing he could do and claimed if XXXX was saying it was verified, then it must be accurate. He suggested we contact an attorney if we had further questions. 

I am trying very hard to make sure my credit report is accurate and have hit a brick wall here. On XX/XX/XXXX, after my wife spoke with XXXX, I contacted XXXX by phone to dispute their results and still have not received any indication that they are doing anything to correct this problem.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report.They are hurting my ability to obtain credit.
Product: Debt collection

I recently obtain a copy of my credit report and noticed a historical change. I contacted the debt collector, they were very unhelpful. i was advise to send a request letter and file a report through the FTC And Police Report.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to formally dispute several accounts on my Experian credit report that I did not open, authorize, or recognize. These accounts have been opened fraudulently in my name, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
Upon reviewing my credit file, I identified the following accounts that I did not initiate : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor : XXXX  XXXX XXXX XXXX : {$58000.00} XXXX. Account Name : XXXX  XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$51000.00} XXXX. Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} I request that you conduct a thorough investigation into these accounts, as they are clearly the result of identity theft. According to the FCRA, specifically 15 U.S.C. 1681c-2, I have the right to request the removal of fraudulent accounts from my credit report. Additionally, under 15 U.S.C. 1681i, I am entitled to a prompt and fair investigation, and you are required to respond to my dispute within 30 days.
Product: Credit reporting or other personal consumer reports

Capital One has provided in accurate information on my credit report and which should be removed. on the month of XX/XX/2023 Theres no information process on the on my report which makes this report an accurate and needs to be removed report.
Product: Credit card

On XX/XX/year>, I was taking a taxi in XXXX from the location XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX to the location XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ( a XXXX XXXX XXXX ). When we arrived at the drop off location, the meter read XXXX euros. When I asked if I could pay with card, the taxi driver pulled out the card reader machine and asked for my card and did not provide me with a receipt. It wasn't until I looked at my Capital One account that I realized the taxi driver had charged me {$780.00} for this ride. I then reached out to Capital One ( venture X card ) to report this charge as fraud. They told me that they could not accept this as a fraudulent charge because my card was physically swiped even though it was not the amount that I agreed to pay. I then tried to dispute the charge as a scam and they proceeded to tell me that without a receipt they can not accept the charge as a scam. I then tried to take it upon myself to reach out to the Croatian taxi company to provide me with a receipt but they were unreachable. I am extremely frustrated because I've been going back and forth with Capital One for 2 months not trying to get this issue resolved. The reason that I pay the {$390.00} annual fee for the Venture X travel card is to help and protect me for fraud and scams when I'm traveling internationally. I've attached the last letter that I sent to Capital One when disputing this charge which provides a witness statement from my friend that was in the taxi with me. She was able to provide me with an uber receipt from the same XXXX points of location going the opposite direction ( I called the taxi there and she called the uber home ). She was only charged XXXX euros for the XXXX XXXX going opposite directions. I've also provided XXXX article links that show XXXX similar situations that happened to Capital One members that ended up having to report taxi fraud to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  ( Account # XXXX ), has violated my rights. 
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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

My son is not XXXX years old and is using a Paypal account registered in my name. 
Someone is taking funds out of his Paypal account. 

His XXXX XXXX gaming earnings from XXXX games are being stolen from Paypal and my credit cards and/or debit cards have been charged in the past instead. 

The latest of incidents is a XXXX purchase thru PayPal that was cancelled ( see e-mail confirmation ) but the transaction amount has not been refunded. 

It appears that some one is scamming customers out of their PayPal account balances and causing fraud to the financial accounts linked to the PayPal accounts during the initial setup. 

PayPal is being used to scam customers.
Product: Checking or savings account

This response is with regard to Complaint # XXXX My name is XXXX XXXX. I had thru XX/XX/2018 to provide a feedback to Compass Banks response. Unfortunately I messed it up and sent a feedback that was completely blank. I am sending this feedback via the attached file. I hope it is accepted and the case remains open. 

My email address is XXXX and I may be reached at ( XXXX ) XXXX. 

I would appreciate an acknowledgement. 

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

I disputed the account from XXXX XXXX  that is on my credit report with Experian because I was affected by the pandemic, I was hospitalized for XXXX XXXX and because of this I lost my job, an error that I found with the account being reported by Experian is that the name of the account is wrong, the account was opened with XXXX XXXX but theres no name for the account, no store name on the account, I want this account to be deleted because there is an error on it. Information on a credit report needs to be 100 % accurate by law, as errors can and will affect the ability of getting approved for other loans. I disputed this account because of the pandemic, I fell behind because of a job loss and the creditor never tried to help me. The account # is XXXX. XXXX XXXX is not the name that was on the credit card and that is what Experian is reporting on my credit report.
Product: Checking or savings account

Respected Sir/Ma'am, On XXXX XX/XX/year>2024, Bank said they issue a cheque of {$16000.00} to my home address in XXXX as a account closure .I got my account activated back immediately .Till now, I didn't get that check. I've been calling them multiple times but they're unable to provide any information. They don't even know if that cheque got uncashed by someone or not.

I requested them to credit my account by {$16000.00} but they're not doing that too. 
I'm really worried about that amount. Please help me to get that amount back. 
Thank you. 
Kind Regards, XXXX XXXX
Product: Checking or savings account

Wells Fargo has been overcharging me for overdrafts every months for the past 2 years everytime from both my pension checks and social security checks. They didn't allow me to stop recurring payments.
Product: Checking or savings account

I have a {$11.00} XXXX charge on my debit transactions dated for XX/XX/XXXX. I went to XXXX on XX/XX/XXXX and this transaction posted. But the transaction from the XXXX is not mine. I went to two different branches on the same day trying to dispute the charges. At the first location, I was told by the banker who was acting as a teller at the time, that she would not be able to assist me with my issue and I would need to wait at least hour or more to speak with someone ( if someone becomes available ). The second location, I was told by the teller ( who was extremely rude ) that she doesn't handle any kind of complaints and there wasn't a banker that could assist me. but I could wait in the lobby just in case someone happens to come available. I also called customer support but no matter what button I pressed I was still unable to get any assistance. Due to me not being able to get any assistance, I withdrew all my money out of both accounts, because this is not the first time, I've had unauthorized charges and was unable to get any assistance. I was even told that I would need to call customer support to have my accounts closed. I also work at a bank and was in disbelief at the type of treatment I received from a bank that I've been with since XXXX.
Product: Debt collection

All my debts were included in my bankruptcy Inalready sent all the information to stop collection.
Product: Checking or savings account

I purchased what I thought was a legitimate prescription online. Instead, what I received was an alternative fraudulent, counterfeit drug. The packaging, the brand name, and the actual pills were completely different. I later found out that in fact, this is a controlled substance and can not be purchased online. I promptly requested to return the merchandise ( the same day of receipt ) with the retailer but they refused to accept any returns. I disputed this with my bank ( Bank of America ) but the claim was denied. 
The retailer has since disappeared, the phone number is disconnected and its website is no longer active.
Product: Debt collection

As a result of mistaken balance billing from " medic one '', I was billed from XXXX of XXXX that which was a result of identity theft.Ive never gotten a notice of a bill of any time until it came upon my credit report in XX/XX/XXXX through an alert from the XXXX credit bureaus notifying me that I had something in collections.I then took note of it and called " professional credit management ( pcm ) '' and they said that I owed them a bill of {$1200.00} due to an ambulance ride.I told them that I've never got into their ambulance in the year of XXXX and requested an itemized breakdown of the bill with my signature signifying that particular bill also proving that it was me with a contractual agreement with my signature " in agreement '' on the itemized bill... and all I received back through my email was a bill with my name on it with a date of XX/XX/XXXX without still no signature of agreement nor anything proving any contractual agreement signifying that I was the actual person they had picked up and put into their ambulance. In result of this, my credit report is damaged and is beyond repair.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report, which I believe is negatively affecting my financial well-being and putting me at risk for identity theft. I understand my rights under the Fair Credit Reporting Act ( FCRA ) and am requesting a thorough investigation into these inaccuracies as required by federal law. 

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failing to properly investigate consumer disputes, alleging practices such as : Conducting inadequate investigations that fail to resolve consumer disputes properly. 
Reinstating previously disputed and inaccurate information without proper explanation. 
Failing to notify consumers of the results of investigations in a timely and clear manner. 
These allegations highlight systemic issues that undermine consumer protections and allow inaccurate information to remain on credit reports. I am concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

XXXX XXXX OF 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
Product: Student loan

In XXXX, I received an unsolicited, pre-formatted application for student loan forgiveness ( based on XXXX ), from my student loans third party servicer. The form requested that I affix my signature to it if I wanted to have my student loan forgiven. The pre-printed statement on the application stated that : they had received information from the Social Security Administration indicating that I was XXXX. The letter stated that I DID NOT NEED a doctors verification of my condition because my condition had already been verified. I signed the letter but, clearly, informed the loan servicer that I still had two more semesters to complete before I had no further need for requesting additional loan funds. After a week, I received an email stating that my application for student loan forgiveness had been denied because I had taken out additional student loans in violation of some undisclosed rule which was based on some undisclosed end-date after which XXXX applicants were not allowed to apply for any more student loans. On a follow-up inquiry, I found that the loan servicers had, somehow, obtained an outdated address and financial information on me ( over 25 years old ) even though the address on my actual student loan documentation is current. This makes me believe that the third-party servicers are data-mining XXXX student profiles to bait and then disqualify loan forgiveness applicants so that the servicer can then charge the Department of Education additional fees for servicing a second-tier application process for loan forgiveness based on XXXX. When I contacted the loan servicer, on 3 subsequent phone calls, the customer contact representatives could not provide an appeal form on the original application and did not understand the significance of an application date as being the true end date.