23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My wife, who controlled all finances during our marriage, and I divorced in XXXX 2015. Since that date I have been working to rehab my credit score due credit card high limits. I had XXXX in credit card debt between XXXX companies, XXXX, XXXX XXXX, and Bank of America. Attempting to rehab my credit score I made large payments to pay off my XXXX ( {$1500.00} ) and XXXX XXXX ( {$1500.00} ) to alieviate my credit card debt to credit card limit ratio. Also, I made a {$2000.00} payment to my Bank of America card to decrease the balance from {$5000.00} to {$3000.00}. 

Upon receipt of the {$3000.00} payment Bank of America immediately decreased my credit limit to {$3400.00} leaving me with open credit of {$400.00} instead of what I thought would be {$2000.00}. How am I supposed to recover my credit score when I went from maxed out to maxed out while paying {$2000.00}? This can not happen to Americans who are doing everything they can to improve their credit scores. 

Also, Bank of America stated they would decline a credit increase back to {$5000.00} because of a {$19000.00} revolving line in use ( total ). This is not accurate due to my {$5000.00} pay down of revolving debt only to have the ratio increase with their credit line decrease. I feel victimized. Debt issues in America will not be fixed by sneaking credit decreases to middle-class citizens immediately after a large payment is made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 an unauthorized credit inquiry was made to Trans Union by XXXX, XXXX, TX, XXXX phone XXXX.
Product: Debt collection

SENT WRITTEN LETTERS TO COLLECTION AGENCY DEMANDING TO CEASE AND DESIST ALL ATTEMPT TO CONTACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review and investigate the fallowing errors, inconsistency inaccurate and omission I was able to find in my credit report According to the FCRA you must have maximum possible accuracy when reporting and sharing my personal credit history As shown below is clear and apparent that this not meet the standard required by the FCRA not your own industries and accepted standard The data of last delinquency is required to be showing on this report please delete this account as it is a violation of the FCRA The Docket Number Field is inconsistent as although this is just one account credit bureau are showing different numbers.XXXX shows the Docket number as XXXX Equifax shows XXXX and XXXX shows XXXX As I can not validate the Docket number and there are another discrepancies on this account I can not be sure that I looking at one or multiple accounts The fallowing fields are inconsistently between the 3 Credits Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently noticed I have been a victim of identity theft, someone has stolen my information and has used it unlawfully without my permission and knowledge. The following is my official statement. On XX/XX/XXXX My information was used to open an account with XXXX, I have not authorized this account nor did I know about this account. This account and XXXX other opened on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX are also results of my identity being stolen. These accounts where opened by the thief and used by the thief leaving me with the burden of paying them back however these are opened due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received recently my credit report and I am still seeing accounts in my report which should be deleted. Those accounts were authorized users accounts and I am no longer an authorized user of any of them. The following accounts should be deleted immediately : XXXX account : Creditor Name : XXXX XXXX Account Number : XXXX 2nd Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 3rd Account : Creditor Name : XXXX XXXX Account Number : XXXX 4th Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 5th Account : Creditor Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had student loan debt. My tax returns were offset and when I retired the payments were garnished from my retirement payments and sent to the treasury department for disbursement for loans. In late XXXX I received a payoff letter. currently I have delinquent loans on my credit report however as of today XX/XX/XXXX those loans are listed with XXXX as having {$0.00} balance. Navient is stating I owe for a loan that XXXX is reporting has {$0.00} balance. Talking to a representative of Navient I was told that the loan was probably transferred to XXXX. If so. why is Navient still reporting on the same loan for the same exact loan type and disbursement date that XXXX is reporting with no balance as of today. Im confused and my credit is bad. The loans are Group ID, XXXX XXXX and XXXX
Product: Student loan

I cosigned a loan for a family member back in XX/XX/2014, am XXXX and ca n't pay ( my income was noted on the original application. Said student dropped out of college, took the money and is now in hiding and is unreachable. Got original loan through XXXX ( predatory loan approval ) Now I am being harassed by auto-dialer through Sallie Mae, who the loan went to for the college attended. They call 3+ times per day, fill up my voicemail inbox with robot messages. I recently had to put an app on my cell phone so that when they call, it hangs up and does n't go to voicemail. I SORT OF got peace of mind back, but the app makes a call log so I still have proof they are still calling, even on Saturdays and Sundays! I feel they have no right to do this to me. They have also told me there are " other accounts '' open in my name ( which I found out they lied to me ) and also have been threatening to take things from me ( I have no car or house so not worried about that ), threatening me with jail time, and saying they will take me to court every 6 months to prove my XXXX/income exemptions. They are also letting me know that I will go into charge off at the end of the month. They REFUSE to let me off the phone until EVERY PENNY of exempt income is accounted for, even food stamps! I tried to let them know I was taken advantage of at every step, and that since they ca n't get a hold of the student, they come after me. Student is refusing to take responsibility and at least try to pay {$10.00} a month to show good faith, but is refusing any responsibility for the lies of being able to pay this all back and I have nothing to worry about. THE WORST HAPPENED that was promised not to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was included in my XXXX  XXXX bankruptcy, yet they are reporting an active account the account was included in XXXX XXXX filed XX/XX/2022, the vehicle was returned to XXXX XXXX XXXX giving to XXXX the sales manager took two sets of keys took pictures, he said he gave keys to sales rep, and he did noting car still sitting at XXXX XXXX dropped car at dealership XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have multiple fraudulent and inaccurate accounts such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that have been reported on my consumer credit file. These accounts are not mine, and I am not legally responsible for them. Despite my efforts to dispute the inaccuracies directly with the credit reporting agency, they failed to take the necessary steps to investigate or remove the information from my report. The presence of this fraudulent information has caused significant harm to my creditworthiness and financial situation. I request that this matter be investigated further and the inaccurate information be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ). These accounts are false and falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received i copy of credit reoport and found the following item to be " INACCURATE '' 1. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Credit XXXX I have already sent disputes on these accounts and nothing was resolved. You have violated the United states code law 15 U.S.C 1681 a.1.a. Code 15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX have submitted a CFPB complaint from XX/XX/XXXX to Transition and XXXX XXXX XXXX XXXX and still haven't heard back with today 's date being the XXXX of XXXX. I, XXXX XXXX have first started my complaints to Transunion dating back to XX/XX/XXXX regarding a XXXX XXXX XXXX XXXX that was fraudulently opened in my name as a result of identity theft. All the bureaus removed this issue expect Transunion even though I completed the necessary pre-requisites in which I obtained a police report and filled out an identity theft report. I had obtained my Police Report from XXXX Police Department in XXXX. It has been over 90 days since I heard from transition or the credit regarding the investigation of this case and this is every hurting my credit report where I can't even get a home. Also, this is extremely illegal what Transunion is doing they have failed to answer my demands, as well as illegally held information not pertaining to me or my record on my credit report even after receiving documentation that it does not belong to me which vastly breaks FCRA laws and regulations. I will pursue with legal counsel and this will be my last CFPB report if this can not get fixed. You can also see my previous complaint IDS under the # XXXX XXXX, XXXX, and XXXX. Pursuant to 15 U.S. Code 1692e ( XXXX ) ( A ) by giving also representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX Citibank issued and on XXXX XXXX XXXX charged me four billing charges that I never requested without no cards given to me. 

XXXX XXXX excludes all dates of transactions in all Citibank monthly Easy pay transaction Reports since XXXX through XXXX period eliminating contents of credit and payment history that I paid as a borrower causing potential loss on my side during that period. 

Citibank paid unauthorized charges for a period of more than five years under one bill service program though I had instructed Citibank to stop payment and discontinue the one bill service Citibank applied late fees and interest and other charges to my monthly billing statement for repayment for a period I filed a complaint for resolution to the above violation of law. 

Citibank on XXXX XXXX XXXX illegally withdrew my fund in my saving and investment account in Citibank from an electronic transaction for a reason that they claim I have late payment that is more than 30 days during the time I file a complaint.
Product: Credit reporting or other personal consumer reports

Someone applied for credit in my name I know this because I was notified thru credit monitoring and it shows credit inquiries. 
* XXXX XXXX XXXX XX/XX/2023 XXXX * XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  * XXXX XXXXXXXX XXXX  XXXX XX/XX/2023 TRANSUNION/XXXX * XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX and XXXX * XXXX XXXX  XX/XX/2023 XXXX/TRANSUNION XXXX XXXX  XX/XX/2023 TRANSUNION I have called and they said they couldn't give information out, I did not apply for credit or apartment, I am requesting that these be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are reporting date filed on XX/XX/2015, while Equifax is reporting the date filed as XX/XX/2015. Thus, making my consumer file inaccurate. The second inaccuracy in my consumer file would be the fact that the reference numbers do not match. XXXX reports the reference number as XXXX, XXXX reports XXXX, and Equifax reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well. 
Certified mail Tracking number XXXX mailed to US Bankruptcy XXXX New York XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some accounts that I do not recognize and I have not authorized. I have apparently been a victim of Identity Theft. There are several mistakes and inaccuracies of the spelling of my name. There has also been inaccuracies in the addresses reported on my file. I am demanding these accounts be immediately removed from my credit profile. The items include ; Reported Names : 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, NV, XXXX XXXX. XXXX XXXX XXXX XXXX, WA, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, CO, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX. XXXX XXXX XXXX, XXXX, CO, XXXX I also have attachments along with this complaint containing the correct information. 

28 USC 1746 Unsworn declarations under penalty of perjury
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience, XXXX and XXXX has allowed this fraudulent company XXXX XXXX XXXX to report that I owe XXXX {$400.00}. This not right this fraudulent did not send me anything in the mail and how can you just report something to someones credit report before verifying. I informed these people time after time that this account didnt belong to me I requested that this company send me copies of a contract I physically signed and drivers license and ssn number provided to them and used. This company has failed to do so but they reported this my credit report. This is a fraudulent account I never opened and I will contact an attorney if I have to if this account is not removed. This company can not provide anything about me because I never had an account with them and I want this account off all my three report immediately.
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 confidentially under 15 U.S.C 1681. 

Absolute Resolutions Inv - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. Sates 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 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 reporting, credit repair services, or other personal consumer reports

I settled on the sale of my home in XXXX XXXX, XXXX XXXX on XX/XX/XXXX. I received an email from the mortgage company, XXXX XXXX, on XX/XX/XXXX congratulating me on paying off my mortgage. I received a release of lien on the house dated XX/XX/XXXX. 
I sold my home to get out of debt and to move to XXXX  to be near family. I recently checked my credit score on my XXXX credit card and saw that the mortgage balance of {$96000.00} was still on my outstanding balances. I called XXXX and they gave me a phone number for Experian which I called to no avail. Today I checked my XXXX card and got the same result. I researched online and found that Experian makes it almost impossible to reach a human. I called every phone number for Experian I could find and got the same recording foreach one, leading nowhere. 
I am concerned that I have been on the waiting list for an apartment in XXXX  since XX/XX/XXXX. I prequalified but I will have to requalify when an apartment is available which should be in the next few months. I am XXXX  and worked part time until the end of XXXX. The rent is income related but Experian 's incorrect information is making my credit score worse, not better. These reporting companies should be held accountable.
Product: Debt collection

Lvnv/resurgent is trying to collect on a debt thats not owed. Original creditor charged off debt. IIRS defines charge off as 1099c cancellation of debt. 

I have no contract with this company yet they are trying to collect on a debt not owed. 

I am aware they purchased the debt however they can not purchase my non public and personal information. 
I have no obligation to this company I have no contract. They have not provided a contract They have been reporting a debt when XXXX XXXX XXXX  was paid They have not followed FCRA guideline 15 usc 1681 thats you need consent to furnish my information. I have had a cease and desist in place yet they still continue to furnish information. 15 Uac 1692c What does 15 USC 1692C mean ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. On any all mediums ( reporting ) Attached are ftc fraud compliants attorney general consumer fraud complaints 3949a investigation form two exhibits showing the reports of lvnv reporting on my credit report.
Product: Credit card

This is an issue related to a Citi Home Depot Credit Card XXXX. In XXXX of XXXX I was notified that another Citi Home Depot customer was using my social security number. I contacted Home Depot Customer Service to no avil. I submitted a complaint through CFPB see.. XXXX. You submitted the info to Citi. I provided Citi Bank with a copy of my Texas DL, my US passport, and a copy of my social security number. Citi initially denied my resolution and advised that I needed to get a letter from Social Security to prove that the social belonged to me. I scheduled an appointment with the XXXX social security office. They provided me with a statement that showed that the social security number belonged to me ( XXXX XXXX XXXX ) and not XXXX XXXX. Upon submitting the information, Citi reached out to me and advised that this was an internal mistake and they would remove XXXX XXXX from my social security number. They also credited my Home Depot account a {XXXX for my trouble. Fast forward - I was shopping at home depot on XX/XX/XXXX and XXXX/XXXX/XXXX. As I was checking out, using my home depot credit card - I notice that XXXX XXXX has been added back to the account using my social security number. How can Citi Bank get away with this practice? I'm more concerned now, since have given Citi more of my personal business such as additional credit cards and a savings account. I am concerned that they are allowing others to use my social security and is not taking this issue serious. I am also concerned that your company closed the account without having showing the final outcome from Citi Bank.
Product: Money transfer, virtual currency, or money service

i am wiring to formally express my concerns regarding Zelle handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately, They informed me that recovering lost funds was impossible and that tracking these transactions unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I tried to apply for a loan the loan went through when I gave the entity [ XXXX ] my bank account and routing number. {$1900.00} were deposited into my account with XXXX I withdrew the money for what I needed for and somehow I ended up with a negative on my account I was reported to check systems for fraud and I had done nothing I paid XXXX back their money but my name remained on chexsystems as fraudulent but I still do not understand how I ended up with a negative with XXXXXXXXXXXX XXXX  when the only thing that I should have was a XXXX account balance I had been with XXXX almost 15 years and I've never done any fraudulent activity with no one ever in my life. I've tried working with chexsystems and sending them information to try and have my information removed, but they refuse to even try to work with me. I've contacted council on this matter, because I did nothing wrong, and I even did the right thing and paid XXXXXXXX XXXX back the money that I still don't think that i owed them. They have record of me withdrawing the money, but it was impossible for me to withdraw it again, for you can't withdraw what's not there. I really need some help, because otherwise I'm taking this matter to court to sue both parties for defamation.
Product: Credit card or prepaid card

Trying to reach discover credit card services showing i was denied credit due to delinquent accounts not the case no delinquent accounts on any of my credit files all 3 .very upsetting to receive mis information saying for denial of credit.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Florida XXXX XXXX XXXX
Product: Mortgage

I co-signed with my mother on a loan for a trailer. It was only XXXX loan at XXXX per month we have only managed to pay XXXX toward paying off the mortgage in 19 years. This mortgage company Greentree has switched their name a number of times over the years by my estimate we have paid close to XXXX XXXX, I do not see a light for my mother at the end of the tunnel, I really feel that we have been done wrong here. I feel that its my duty to say something for my mother, Thanks XXXX XXXX XXXX