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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit card

Someone opened a Capital One credit card on my Capital One account where I already had a credit card in my name under their name like a child 's account attached to my card. I realized it and started contacting them with the charges made to my credit card in my name that were not mine and the entire card that was attached to my account in another name. The people barely spoke XXXX and obviously misunderstood what I was saying over and over and over every time I called. They did an investigation on the charges under my name and removed them but when I called back about the whole other card on my account, I spent XXXX hours on the phone with various representatives that would remove the charges and they would instantly get charged back to my account after we hung up. I kept calling back and they said things like " oh sorry we don't see any investigation opened up about that '' and " I am going to remove them now, it is going to be taken care of '' and " I had to add the card back and remove them and now it is fixed '' or " I am opening the investigation now and will let you know ''. None of these statements were true and it is as if they could not understand at all what happened. All of the charges were deducted from my account and added back several times almost instantly. I never received a notice of another investigation into the card opened on my account where every single charge was fraud. I have called until I have wasted so much time on the phone for them to assure me it is taken care of and the moment we hang up, it is either not done, or reversed. This is unbelievable.
Product: Credit card or prepaid card

In XXXX of this year I purchased a mattress and adjustable base from XXXX. After several requests for a delivery date XXXX XXXX XXXX ignored my requests so I cancelled the order.None the less the XXXX  deleivered the items several days after my cancellation. My son signed for the order, so I immediaetly emailed XXXX XXXX to come and get the items as the order was cancelled. I put the tiems in storage, never opened never touched. Of course my Discover card was charged for the items which I disputed. Long story short I got a refund from U.S.Mattress for the full amount however Discover Card people have not adjusted my account and it shows over {$2000.00} owing which is the items for XXXX. I have been trying to get this nightmare reconciled but the accounting people at XXXX must have been asleep during their classes in XXXX XXXX becasue they refuse to adjust the amount owed. I have sent letters to the corporate offices of XXXX and numerous emails to thier credit card / financial departments but they are incapable of reconciling this matter. I need your help to interced for me. 
Thank you.
Product: Credit reporting or other personal consumer reports

American Finance is stating that upon review of my investigation that they will not be removing the fraudulent account from my credit profile. The information they provided was incorrect. They provided an application for credit showing my address as XXXX XXXX XXXX XXXX XXXX, Il XXXX. In which I have not lived at that address in over 5 years. My current address is XXXX XXXX XXXX XXXX XXXX, Il XXXX where the correspondents were sent.This address on the application theyve provided is false. And as a result of the negative account associated with my credit it has mad a traumatic affect on my credit profile. I would like this account removed. Ive sent over several correspondence to American Finance they have yet to update this information on my credit profile or remove said account.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting a XXXX XXXX bankruptcy on my credit report they have put in the date of furnished as the US Bankruptcy Court of XXXX which is false. I have attached a letter from the XXXX US Bankruptcy Court verifying and state they in fact, do not report any information to the credit bureaus or any credit monitoring service to verify or validate. XXXX is falsely stating this information on my credit report and yet to remove it.
Product: Credit reporting or other personal consumer reports

My info was used to check my credit and open accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX are attempting to collect a debt from consumers and XXXX XXXX XXXX without a license to do so in the state of Tennessee. 


This subchapter does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this subchapter if the protection such law affords any consumer is greater than the protection provided by this subchapter. 
15 USC 1692o XXXX XXXX XXXX XXXX ID : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX Branches : XXXX XXXX XXXX
Product: Debt collection

This complaint is regarding the RGS financial account number XXXX, Original Creditor : XXXX XXXX XXXX, Current Balance {$10000.00}. 

Today, XX/XX/2022, at XXXXXXXX XXXX CT, I received a call with a caller ID XXXX XXXX XXXX 

Since I am a XXXX XXXX I thought it was from my school and answered. 

When I answered, the representative said she would like to speak with me. 
I thought something was very odd, and I asked, where is this call from? 
Then, the representative said, It is a debt collector, calling from RGS Financial. 
I was stunned. 

Also, when I asked why your caller ID showed that you appeared as XXXXXXXX XXXX XXXX, the lady told me, Because you are a graduate student, we wanted to work with you and help you. 
I was speechless. 

When I previously contacted via a chat through RGS Financial website regarding any settlement options available, I disclosed that I am a graduate student to the representative I had a conversation with, XXXX XXXX, who was very pleasant and kind to discuss available options for me. 

However, todays call and the conversation I had today, not only violated Fair Debt Collection Practices Act 807. False or misleading representations but also it is not acceptable. 

Lastly, I told the previous representative, XXXX XXXX, on XX/XX/2022, that I could pay the settlement payment all at once on XX/XX/XXXX or later. Then I was told that the system allows scheduling a payment only 30 days in advance. So, it was ended that I would call at the end of XXXX to schedule payment for the settlement offer available for me. However, again, I got a call from RGS Financial today even though I already talked and discussed it with the previous agentwhich violated Fair Debt Collection Practices Act 806. Harassment or abuse. 

I have attached the screenshots showing caller ID as XXXX XXXX XXXX and the chat I had with XXXX XXXX on XX/XX/XXXX, showing that we discussed the settlement, and I am the one supposed to call her to schedule the payment at the end of XX/XX/2022.
Product: Credit card or prepaid card

I filed a complaint already that the Optum Financial was falsely filing charges against my account. After they received your notice they fixed the problem. Then I closed the account and twice theyve told me they would send me the amount in my account. And twice they have refused.
Product: Checking or savings account

On XX/XX/2021 I had {$3900.00} spent on two companies ( XXXX and XXXX ). There was a total of 18 transactions ( most of them being over {$300.00} ) and my bank, Bank of America, failed to notify this suspicious activity up until the 18th transaction. I called Bank of America on the same day to open up a claim while the transaction was on Processing and they did, but on XX/XX/2021 I received a message that my claim was closed, with the result being me not getting my money back. I called again and was told to submit my previous transaction with both of the companies ( because Ive had previous purchases with both ) through FAX. Then on XX/XX/2021 I received the same message, my claim was closed and I wasnt going to see a single cent. It was obvious that I didnt spend a single dime to both XXXX or XXXX, but I assume that Bank of America didnt even bother looking deeply into the claim. I called XXXX on XX/XX/2021 and they told me they couldnt provide me with the details of where my money went because of customer security ( even though it was my personal debit card being used ), but they would be able to provide my bank with the details. I believe my claims were denied because I accidentally authorized an XXXX payment of {$29.00}, but I quickly reported this accident. The reason why I accidentally authorized the {$29.00} transaction is because I had been emailing XXXX about a different product I never received, so I thought they were doing what some companies do and take some money from my account, but then refund it right after. Never did I think the {$29.00} was going to be the XXXX transaction of the {$3900.00} total taken from me! I later received a refund from XXXX on the next day, XX/XX/2021 of {$840.00}. I thought it was my bank working to get my money back, but I guess that was a wrong assumption because Bank of America was also confused as to why I was getting refunded some money. The person I spoke to from Bank of America seemed to allude that I was in on all this ( maybe suspecting me of fraud ), which is something I was personally offended by. Something I forgot to mention is that XXXX gave me a total loan amount of {$1500.00}, therefore there would have been no way that I would been able to spend the approximate {$3500.00} that went directly to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, consumer XXXX XXXX instructed EXPERIAN to remove several accounts dating back to XX/XX/2020. EXPERIAN furnished my information without my permission and without my written consent. This is fraud and its against my consumer rights 15 USC 1681b ( a ) ( 2 ) Permissible Purposes only and no other. EXPERIAN shared my alleged credit history and factual information and its supposed to be excluded by my written instructions. My rights have been continued to be violated over and over and its causing me stressful problems and financial hardship.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card collections accounts opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX  on XX/XX/XXXX, under account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Please see attached documents Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was contacted to correct Student Loan Info ( XXXX XXXX ) and the XXXX XXXX XXXX XXXX " Reaffirmation of Debt '' which had dropped off since my XXXX XXXX is over XXXX XXXX XXXX going on XXXX. Equifax was provided documentation and refused to remove the re-aging of the re-affirmation on XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX XXXX and they state the flag was not added by them to contact the credit bureau, Equifax. I did and they refuse to correct this. This caused my credit to drop XXXX pts. The XXXX XXXX has been closed for almost 8 years and the 'Reaffirmation of Debt ' should not be appearing on my credit file. I am attaching their " Investigation '' which they did not even look at documentation sent and I am not able to re-dispute. This agency is known to have major issues correcting errors in violations of my rights under the FCRA. Although evidence was sent they refused to remove the " Reaffirmation '' they added in XX/XX/2022 that has caused other companies to reduce my credit limits and close my accounts and also lowered my overall score by XXXX pts. They should be banned from providing Credit Files to others given the breaches and wrong and erroneous credit reporting injuring the consumers.
Product: Credit card or prepaid card

Synchrony bank denied me a lowes credit card without valid reasons. 

Under the Equal Credit Opportunity Act, creditors have 60 days to provide you with a specific reason as to why you were denied a line of credit. This is known as an adverse action letter. You may be rejected for a variety of factors, such as having a low income, a short credit history or too much credit card debt. 

The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio XXXX XXXX XXXX administers compliance with this law Synchrony bank said their contracts are above all federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my XXXX, XXXX and Experian credit report : Account name : XXXX. XXXX Acct XXXX Date open : XX/XX/2018 charge off date:XXXX  ( Experian ), XX/XX/2018 ( XXXX ) XX/XX/2018. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 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 information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.
Product: Credit reporting or other personal consumer reports

Dispute filed on XX/XX/2023 about the XXXX fraud accounts on my name. One account was deleted but the other one is still on my name. It is affecting my credit score and it is showing very low.
Product: Bank account or service

I was advised by my book keeper on XXXX XXXX, 2016 that access and activity on our checking account was abruptly stopped. This was done without prior knowledge to me and without my consent. 
Efforts to restore service VIA telephone and directly at my bank were unsuccessful and refund of my money was denied. It is important to note that no indication, ( both written or verbally ) was even communicated to our office regarding imminent action nor do I find justification in doing so for ( what I later learned ) " my negligence in not confirming that I am the sole owner of my corporation '', A fact that they already know. 
This action by Citibank had triggered a domino effect of un-honored checks which we had issued, and has literally crippled our ability to conduct business, and which has consequently, created a negative credit reputation. 
I have worked very hard over the years to develop and maintain a positive financial image and must hold Citibank Corp. directly responsible for the consequences they have caused.
Product: Credit card or prepaid card

I make autopay payments on my American Express Delta card. I made an auto payment of {$500.00} on XX/XX/2023 for my XXXX monthly statement. After making my XXXX payment, American Express auto debited my entire remaining statement balance of {$11000.00}. When I called Amex to report this error since I had already paid {$500.00} for the month of XXXX, they issued a refund of {$9500.00}. Amex then issued another auto debit on my account for {$11000.00} on XX/XX/XXXX, and for the same amounts on XX/XX/XXXX and then again on XX/XX/XXXX. When I called Amex AGAIN, the rep told me that they had NO ability to STOP Autopayments!! They told me to call my bank and get a stop payment to stop the Autopay retry. My bank charged me {$30.00} to issue the stop payment on the Autopay amount. Amex then added the Autopay charge of {$11000.00} back to my credit card as if I had made a purchase in the amount of {$11000.00}. My original credit card balance at the beginning of XXXX was {$11000.00}. Since Amex issued a FRAUDULENT CHARGE OF {$11000.00} on XX/XX/2023, my balance DOUBLED to {$22000.00}! The FRAUDULENT CHARGE is NOT the result of any purchase, but solely due to Amex 's error. I have called Amex multiple times to correct this error and they have REFUSED to respond or return my calls.
Product: Checking or savings account

I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXXXXXX consumer report. 

The above bank closed my accounts without warning. This has grossly affected my business and personal life. As a business owner, sometimes I DBA in my personal name. This isnt in contradiction to any known law. 
Again, I would appreciate a proper investigation into my case.
Product: Credit card

I purchased airline tickets for a XXXX flight after agreeing on the price. After I paid XXXX XXXX  I never received my tickets. I was told numerous times that I would have my tickets then a month before my flight they told my they could not honor the price they charged and wanted more money. I filed a dispute with my Truist credit card company and was told because of there refund policy I could not get my money back I explained that I never recieved the tickets and escalated the complaint to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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
Product: Credit reporting

I contacted the company listed in this dispute about an unauthorized inquiries reflected on my credit reports. I advised that the credit inquiry by their company is damaging my credit rating. I requested full documentation and supporting information regarding the circumstances resulting in the review and placement of either a hard/soft inquiry on either my Equifax, XXXX, and/or XXXX credit file showing pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. Since I did not authorized the review of my credit file by this company, I kindly requested the inquiry be removed. However, the company has not granted my request nor provided any supporting information resulting in permission and/or granted permission by me, the consumer, to have my credit file reviewed. Please view the company 's response. 
Therefore, I am seeking your assistance in this matter.
Product: Checking or savings account

US Bank Keeps Locking my debit card wrongfully, and illegally a screenshot was sent to you guys showing I marked a transaction as valid via fraud text and your bank still kept my card locked and refused to monetarily compensate me for weeks of not having access to the monies in my card answer was sent on a cfpb complaimt about a prior issue with my account thats still not fixed! Your bank is ignorant. Us bank does not care for the customers doesn't like to fix the problems their bank creates and has horrible managing and or cooperate officers, and does show compassion for their customers. This problem was reported to the CFPB twice and you still failed to fix the issue! Your bank is a joke!
Product: Credit reporting or other personal consumer reports

Recently reviewing my credit report, I noticed inaccurate and incorrect information. Since I have never been late in any payment since I always have automatic payments. XXXX  with account number XXXX. Incorrect and inaccurate information has been reported in the file. Which is affecting my credit and my ability to obtain credit in the banking sector.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to get Equifax to correctly report my credit report they have refused. I have sent in verification letter documents and filled disputes both online and speaking to a representative. I have been trying to get Equifax to correct my name, inquiries ( which my file is frozen with them ) fictitious accounts they are reporting as verified. These accounts nor inquiries can not be verified because I gave no permission at all for these. XXXX and XXXX have corrected their incorrect information but not Equifax.