23daVinci/CFPB_Complaints huggingface dataset:
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 rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Credit card or prepaid card

My wife 's Mastercard credit card, issued by Capital One, had several unauthorized charges that were identified as fraudulent. That card was replaced by a new card. New unauthorized charges were posted to it on the day after the card was received but before my wife used it. I called the bank 's fraud line, and in the discussion with the bank 's representative I learned that the bank had an agreement with Mastercard to automatically update my wife 's card number. This enabled the fraudulent posting to continue. The bank 's representative stated that there was no way to stop such charges other than to " lock '' the card. This makes the card unusable. 

I see from an internet search that some banks give their customers the ability to opt-out of the Mastercard Auto Updater feature. If this is not required for nationally chartered banks that provide credit cards, I believe it should be. It would reduce the burden borne by customers from the apparent inability of Mastercard and its bank partners to prevent repeated attempts at fraud.
Product: Checking or savings account

On XX/XX/2021 at XXXX, I was called from the Citi bank representative ( male ) fraudulent department, phone number ( XXXX XXXX XXXX ) about our checking account suspicious activity. The amounts of {$500.00}, {$5000.00}, {$2500.00}. I was told that somebody was trying to use XXXX for these transactions. 
I was not aware of any of these transactions! I agreed that with the help of the Citi bank representative my debit card was canceled. I was instructed to login to my XXXX Citi bank app to use XXXX to reverse XXXX of these transactions that already was in transit for the amount of {$2500.00}. I followed the steps and I was told that within XXXX - XXXX hours the amount of {$2500.00} will be safely back in our checking account. The amount of {$2500.00} never came back. 
When the money did not appeared back into our checking account, we immediately stared to dispute this fraudulent act with the Citi Bank, we called many times, we send a certified letter. 
We received responds from the Citi Bank denying our claim. Citi Bank never ask to provide any of the information. 
I'm kindly asking this agency CFPB to help us to resolve this fraud and help us to get the amount of {$2500.00} back to our checking account. 
Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

We made a mistake by making a loan payment with a bank account that had been closed. We tried 3 times to make loan payment, yet neither loan co nor bank notified us that this was an old bank account. This is the 1st time this has happened to me. As a result, my credit score dropped over XXXX XXXXXXXX I get a credit increase on XXXX of my credit cards & you give me XXXX pt increase! But I make XXXX mistake after paying everything on time, & my credit score decreases over XXXX XXXX This is so unfair! I have worked like crazy to get my credit score over XXXX, yet you decrease it for XXXX mistake!! This is SO wrong!!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance Owed : {$59.00} XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX Balance Owed : {$7300.00}
Product: Credit reporting or other personal consumer reports

I will break this down from the overall issue first and then give my specifics points of proof afterwards. 

Basically, my credit score, for whatever reason is grossly understated. My credit score is a XXXX, and I have over 17 years of credit history, which the credit history in my report is marked excellent. As of XXXX I went to trade in a vehicle and could not even get approved without taking on the most ridiculous terms I have ever seen. So when they ran my credit, I at that time had the current car loan of {$19000.00} on my report, and two credit card bills. 
First, I have a XXXX XXXX credit card bill which gets paid off in full every month usually around the amount of {$2700.00}, and last month I actually overpaid the balance. So when the credit report was pulled my wells charge had been paid 14 days prior to running my credit, yet it was showing as an outstanding balance! I have talked to others who have paid off Accounts, and within a day or two that amount comes off their credit report. That said I have one other credit card balance in amount of & XXXX which I have had trouble paying but have made small payments. So fast forward two months and at this time the $ XXXX car loan was no longer on my report as it was paid off when I traded in car, which I needed a co-signor for. At this time it had said my credit score had gone down a point to XXXX!?! How does a $ XXXX outstanding loan get paid off and someones credit score go down? Doesnt make any sense. Now at this time my wells credit card bill was on this report as well but a different balance, but again had been paid off over 10 days at this point but still showing outstanding. I have had this bill for years, and never once missed a payment, That said the example that I am going off is my fianc, who happens to have no credit history, not like mine of 17 years, has outstanding student debt, has missed many payments, have had ex partners open lines of credit in her name, and yet she has a higher score then me!? Has never even had a credit card!! And her score is isomewhere near XXXX! That flat out doesnt make sense. I have had years and years of cable bills, utility bills, credit cards, car purchases, maybe one Collection years back, but years and years of credit history, all of which shows paid for all these accounts, and yet she has a higher score than me? I have one outstanding balance for this other card of {$3000.00}, but besides that there are people with {$50000.00} on outstanding balances and multiple open accounts, and they have higher scores than this. 
Basically something isnt right here, somewhere somehow an algorithm or something has calculated my score in correctly, and I really need this to be fixed. I am a father of XXXX and I know how important good credit is. I am afraid that I wont be able to get this fixed. I have all the supporting information to back up the above information. The report I have been looking at is thru my XXXX XXXX banking account. 
Please let me know what can be done about this, and how to proceed. 

Regards, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 a payment was made from Money Network Financial LLC., ( XXXX XXXX XXXX XXXX ) for the amount of {$590.00} sent to XXXX XXXX ( XXXX XXXX uses XXXX XXXX as a third party for on payments ). The amount for {$590.00} was never applied to my XXXX XXXX account. 

My attorney wrote to XXXX XXXX and response was that they never received the funds from XXXX XXXX. 

I wrote to CFPB via XXXX XXXX and response was they same I wrote to CFPB via XXXX XXXX and they pointed the finger towards Money Network Financial, as never receiving the funds. 

Please respond as this is very important as part of Discovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX DEPARTMENT STORE.. I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections ... .Its a bit confusing when an account is a charge off and showing a balance at the same time..Please remove this error and fix my accounts
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 XXXXXXXX Balance Owed : - ; XXXX  XXXX XXXX Balance Owed : - ; XXXX  XXXX Balance Owed : {$2.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2100.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX *** Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX : {$510.00} ; XXXX  XXXX XXXX Balance Owed : {$53.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; According to FCRA XXXX XXXX ( a ), the XXXX REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Due to the COVID-19 pandemic I was left in a financial crisis. The apartment complex I was living in started harassing me, doing routine checks of my place and unfairly fining me for things that were untrue. There were some fire hazards that were not taken care of the day I moved in and I was going to take them to court over it. The problem is that I was unable to pay rent for a couple of months and they were going to evict me and take me to court for the money. The place was rat infested with huge holes all over the apartment. It was literally uninhabitable, I ended up abandoning the apartment and leave my things behind to start a new life in XXXX. After a year I noticed a collection on my credit report with their information about the debt I owed to them. I never received a collection letter and I am at a loss now, since it's on my credit report. The exact date and amount reported on my credit file is XX/XX/2022 for the total amount of XXXX
Product: Debt collection

My XXXX account is reflecting inaccurate information based on the company not removing and deleting this account as paid in full. Originally this company known as Central Financial Control also known as Syndicated Office Systems issued a settled in full letter instead of a paid in full letter. This has affected my XXXX information in a negative manner. The Fair Credit Reporting Act has been violated. Statutes that have been legally compromise are as followed : 607- Compliance Procedures Title B- Accuracy of report. 611- Procedure in Case of Disputed Accuracy Title A-Reinvestigations of Disputed Information. 617- Civil Liability for negligent non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX back in XXXX of 2009, in the County of XXXX California. I recently noticed after all this time that XXXX   has it listed as if I filed the BK in another county out here in California. From my understanding if anything is incorrect on the listing you can request to have that item removed and that is exactly what I am doing since it is not correct and we are almost at the 10 year mark. At this point all they did was say was the information was validated by their outside reporting system and nothing would be changed or removed at this point. 

I would like to request since the credit reporting agencies are not even the ones that make sure that this information is even correct, and rely on outside sources, that this be removed from my credit report since again I am 5 months from this being removed from my report. 

Here is how they have it listed : You have 1 Public Record Record Type Filing Date Amount Reference Number Court Plaintiff Bankruptcy chapter XXXX XX/XX/2009 {$0.00} XXXX XXXX BKPT CT CA XXXX XXXX And here is the correct information for the court house : Address : United States Bankruptcy XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

Fraudulent accounts are listed on my report. Please act quickly to block and delete them.
Product: Checking or savings account

XXXX  this year Bank of America allowed a transaction to be completed whom they said was done by XXXX in the approx amount of {$120.00}. This was said to be a debit card purchase at XXXX using my card with the PIN number. This was not my charge and Bank of America refused to refund my money after two complaints filed with them denying the charges authenticity. They refused to refund my money and the FBI refused to press charges. This was not my charge and they had proof that I was at another location about the same time this charge was made but refused to refund my money.
Product: Credit reporting or other personal consumer reports

I disputed the incorrect payment status reporting of this account. I am showing all payment to be made on time during the term of this account. XXXX is showing current status, yet Equifax and XXXX is showing 30 day late will reporting the months detail as on time. Please update the payment status from Late 30 days to Current to reflect the correct status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, a collections account showed up on my credit report from XXXX XXXX. I have never done business of any kind with XXXX. I immediately disputed the account with the credit bureau XXXX. The results came back saying the account was " valid. '' I was unable to get a real person from XXXX on the phone to address this issue. After doing my own research, apparently this is a famous problem with XXXX that has happened to many people, and neither XXXX nor the credit bureaus care to help resolve the situation. In my situation, the account is clearly either erroneous or fraudulent. Around that time, I did have some fraud and identity theft issues with someone attempting to open lines of credit in my name. This account may be the result of that. I've attached the only information I have about the account, which was reported by XXXX. Right now, the collection amount balance says {$4600.00}. The creditor address reported by XXXX is : XXXX XXXX XXXX XXXX, TX XXXX The creditor phone number reported by XXXX is ( XXXX ) XXXX.
Product: Credit reporting

UNABLE TO CONTACT EXPERIAN THERE NO PHONE NUMBERAFTER VIEWING MY REPORT I HAVE SOME QUESTIONS I WANT ANSWEREDIF THEY CAN PUT IT IN MY REPORT THEY NEED TO BACK IT UP, IF THEY CAI N'T THEY ARE HURTING MY CREDIT
Product: Credit reporting or other personal consumer reports

XXXX XXXX has not acted in good faith and in course with the FCRA. Over XXXX  days ago I have disputed with Experian It has been over XXXX  days. The other credit agencies have removed this fraud trade line. 

I will file a lawsuit this week if this is not removed. 
I am aware of the CFPB suing Experian for not properly investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent documentation to have this address that is incorrect on my experian credit report removed along with accounts and a bankruptcy that is attached to the incorrect address showing on my experian credit file. The accounts linked to the incorrect address are XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and chapt XXXX bankruptcy. The incorrect address is : XXXX XXXX XXXX XXXX, XXXX, Ohio, XXXX. The address on my Experian credit is not my place of residence and this could lead to further identity theft as well as fraud. These accounts and bankruptcy could be sending information to this incorrect address. I have sent a certified Ftc affidavit, and the response I got from the bankruptcy courts. Experian stated the " VERIFIED '' the bankruptcy with the courts and that is false and a lie. The Bankruptcy and the accounts associated with this address need to be removed immediately! I have attached documentation that was sent certified USPS mail to experian.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX - Account Number : XXXX
Product: Vehicle loan or lease

I have decided to trade in my XXXX XXXXXXXX XXXX that is financed by Ally Auto due to personal reasons. Ally sent me a letter stating that I can not trade in my car ( exact wording-they are not agreeable to my trading in the car ). The trade in will satisfy the loan so Im unsure as to why they are trying to block the sale. I have called in numerous times and no one will help. I have a right to trade in the car if the trade in amount satisfies the loan. I want yo hear from Ally as yo why they feel they can stop my trade in.
Product: Credit reporting or other personal consumer reports

Experian failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXX BANK ( XXXX )
Product: Credit reporting

I challenged a public record for a civil claim that showed up on my credit report 3 years after this was filed and then withdrawn. It only showed up after having my credit report pulled for a mortgage. When I challenged the accounts with XXXX and Equifax , XXXX removed immediately because they could not verify the information. The XXXX XXXX county courts do not verify or validate information with the XXXX reporting agencies at all. Then I challenged the public record with Equifax and asked for validation of their source and the information required by the FCRA to put such information on my credit report knowing that their is no record of this anywhere. Again Equifax ignored the request and the account is still on my credit report. Equifax sent back responses however they did not list the Judgment that was challenged, they only listed other items on my report. .They are violating my credit reporting rights and causing me financial distress while Im trying to get a mortgage. Please help me. I have attached a credit report that was pulled in XXXX this year, XXXX response showing they deleted the item, Equifax 2 responses that ignored or even listed they were reporting the judgment at all but as you can see they are.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified discrepancies that are not in accordance with the Fair Credit Reporting Act the information related to late payment dates and payment history are not accurate on several of the credit reporting bureaus Experian is showing on time payment for XXXX and XX/XX/2019, but XXXX is showing missed payments for those months. All payments were made on time. 

i had submitted letters to the physical address and online complaint to Experian, XXXX and XXXX on website. 


which is violation of my consumer right
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXXXXXX 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, 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

A fake XXXX account was creating using my PayPal account information. XXXX transactions were initiated. PayPal was contacted immediately to inform of the fraudulent charges. PayPal did nothing. PayPal instructed me to contact XXXX. XXXX was contacted and informed of the fraudulent charges. XXXX did nothing. The transaction occurred on XX/XX/XXXX. The money was stolen from my account by PayPal/XXXX on XX/XX/XXXX. PayPal and XXXX were informed of the fraudulent transaction yet they drafted the money from my account. After multiple attempts requesting that PayPal and XXXX take responsibility for the fraud, no resolution has been reached.