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

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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 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 XXXXXX/XX/XXXX.
Product: Credit card

XXXX XXXX reported a charged off an account in the amount of {$4200.00} effective XX/XX/year>XXXX  and as a consumer I should have received a 1099. According to 15 USC 1611, it is unlawful to mislead or deny an individual 's access to credit based on false Information. I believe my treatment of my application used to create a security bond and denial of one own credit may constitute a violation under this provision, potentially resulting in a denial and charge off on erroneous grounds. Also, according to 15 USC 1681 ( b ) Permissible purposes of a consumer report, did not have my written consent to report my Information.
Product: Credit card or prepaid card

I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Mortgage

I am a XXXX veteran and I used my VA loan to purchase a home at XXXX XXXX XXXX XXXX XXXX, XXXX. I used the services of Title Security Agency at XXXX to complete the transaction. They did not order an HOA inspection at the time I bought the home. I have just sold the same home approximately 1.5 years later due to being moved for my husbands work ( XXXX XXXX military ). We again used Title Security Agency for title and escrow work. This time they did request an HOA inspection ( did not for us when we bought the home ) and there were about XXXX dollars worth of repairs required. The Title Security Agency withheld about XXXX dollars from our closing to cover HOA repairs that they failed to have inspected for us when we purchased the house. I feel this was negligence on their part and that they did not use due diligence. We feel that they should cover the repair expenses because they failed to properly protect us when we used their service for the same home less than two years ago. 

I can be reached at XXXX or XXXX Should I report this somewhere else as well -- I don't want other people using VA loans to be taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has repeatedly violated my rights by reporting inquiries and closed accounts that show negative on my report. I have sent them a letter and a identity theft report that I filed before these accounts showed on my credit report that I was a victim of Identity theft and fraud. They refuse to remove these fraudulant claims from my report. it has been more then 30days and they are avoiding my request by sending stall letters saying i have the wrong company to dispute. I have clearly sent it to their dispute department otherwise they would not have sent a letter stating it was the wrong department. They have avoided my identity theft report that i have filed. I am very upset and hope that you can help me resolve this matter with them.
Product: Student loan

Someone use my identity to sign up for school and also filled out for students loan on Mohela
Product: Credit reporting or other personal consumer reports

I XXXXXXXX XXXX  have notice some unauthorized increase appearing on my credit reports. 


I did not authorize these inquiries XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX financial Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXin Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Navient as well as XXXX, XXXX and XXXX. XXXX has removed some of the accounts but there are still 5 posted on my credit report. XXXX and XXXX have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with Navient. I have nevwr had a loan with this company. I sent notices since XXXX of 2017 to no avail.
Product: Credit reporting or other personal consumer reports

I am not associated with these creditors and I did not initiate the inquiries with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Kindly proceed to remove it from my credit report without delay.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXX/XX/year>
Product: Debt collection

Hi my name is XXXX XXXX and a few months ago CFPB and the credit reporting agencies helped me when XXXX the phone company tried to collect a debit. that was fraud it was used in my name from the time I was Under age a kid. for over XXXX dollars. I sent my ID to prove I just turned XXXX so when I was doing my financial aid for school and looking for loans this is how I found out I had a fraud on my name from XXXX CFPB and XXXX helped me and it was removed and I was found to be the victim. XXXX  had opened a frud account for someone when I was under age like XXXX or XXXX. I was cleared. Well Enhanced Recovery put this same fraud account on my credit report. XXXX had deleted it and found me not guilty of this Identity theft. My school counselor and I called XXXX  and they informed us they did no Authorize for Enhanced recovery to put this debt on my credit report and the supervisor stated Enhanced recover purchased all fraud or identity debts and now trying to ruin people and there credit. I was shocked! I don't feel this is legal I just turned XXXX and even XXXX said it was fraud and I'm was well under age. that they also did not have any ID or any contracts signed on file. and that it should be removed again for the 2nd time look at my ID I just turned XXXX in XXXX XXXX said the fraud happened for years before I was XXXX that's why they deleted it
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 : XXXXXXXX XXXX Account Number : XXXX and 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 reporting or other personal consumer reports

Sent letter to credit bureas to validate debt, original dates, and enforced the states Code of Civil Procedure 3371.
Product: Checking or savings account

Im filing a complaint against Capital One regarding the deceptive practices related to their 360 High Yield interest savings account.

Capital One misrepresented the 360 savings account as having one of the nations highest interest rates, yet fail to notify account holders about the superior rate offered by 360 Performance Savings Accounts. This deliberate obscurity and lack of transparency violates consumer trust and resulted in significant financial losses for many breaching the Consumer Financial Protection Act and the Truth in Savings Act. I see redress for the misleading practices and failure to fulfill their advertised promises
Product: Credit reporting or other personal consumer reports

There are addresses on my credit Report that I no longer have access to or live at and some that I have never lived at, I have tried on several different occasions to get this resolved and the misreporting information is still on my credit report.
Product: Credit card

Repetitively charged a minor fee of {$2.00} on a balance of {$2.00} -- - that was a result of the last fee assigned. I owe nothing and I 've been repeatedly assessed fees even after I paid the balance to {$0.00} and closed the account XXXX months ago. Today I have a new balance on the closed account of {$4.00}, you guessed it -- -minimum interest charged on the {$2.00} late fee. If this is n't a scam I do n't know what is .... I closed the account and owe {$4.00}? How does this happen?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX
Product: Checking or savings account

On XX/XX/2020 I walked into my local Bank of America Branch in XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). I made a deposit totaling {$20000.00} including a single check from my mothers estate ( part of my inheritance ). I was given a receipt of this transaction which i still have today. I will include an image of the receipt for your reference. Upon reviewing my bank statements, the deposit was not recorded, and the funds are nowhere to be found. Shortly after noticing the missing funds, I visited the Bank of America Bank location and a representative ( XXXX XXXX ) assured me he would resolve the issue. A resolution has not been received and I still do not have the funds from the deposit. Upon further discussion with my CPA, I reached out to XXXX again in XXXX 2020 for an update and to request bank statements from the prior 12 months. I have not received any response nor statements. Please review this activity as I am suspecting potential fraud or elderly abuse.
Product: Debt collection

XXXX CALLED ME ON XXXX TO MY PHONE NUMBER XXXX. WHEN I ANSWERED THE CALL AN ADAD CAME ONLINE AND STARTED GIVING ME THEIR MESSAGE AND THEN A LIVE PERSON CAME ONLINE. I TOLD THE CALLER THEY CALLED THE WRONG PARTY. I ASKED ABOUT THE ADAD/ATDS THAT CALLED ME, THAT IS THE COMPUTERIZED VOICE, THE CALLER CONFIRMED IT WAS A COMPUTERIZED VOICE THAT MAKES THE CALLS. WHEN I TOLD HIM I WAS ON THE XXXX XXXX AND THE TEXAS NO CALL LIST. HE SHUT ME DOWN WHEN HE TOLD ME HE COULD NOT GIVE ME ANY OTHER INFORMATION. I DEMAND TO BE PAID {$500.00} FOR EACH VIOLATION OF TBCC SECTION 301 AND 305 AND FOR THE VIOLATIONS OF THE DEBT COLLECTION LAWS. THEIR CALL TO ME WAS AN ATTEMPT TO COLLECT A DEBT. I DISPUTE THIS DEBT AND WANT RESULTS OF THEIR INVESTIGATION SENT TO ME. DO NOT CALL ME ANYMORE.
Product: Checking or savings account

On XX/XX/19, my Ally Bank debit card was fraudulently used. The charge was for {$410.00} and it appears on my bank statement as " XXXX XXXX XXXX XXXX , CA , US ''. I reported it to Ally Bank XX/XX/19 as a fraudulent charge and they opened a dispute. They came back to me that the dispute was denied because my debit card was used on the website of a 3rd party payment processor and therefore I needed to file the complaint with XXXX. I called XXXX and they continue to tell me that they can not locate the charge without the full 10 digit debit card # that was used. Because the card was fraudulently used, and I subsequently cancelled said card, I no longer have the card in my possession. XXXX tells me they can not locate the charge to open a complaint without the full ten digit number.

I have worked with Ally Bank and after exhausting all resources, they said they have no way of finding the full 10 digit # of a debit card that is cancelled. I have spent hours on the phone with XXXX, and they said there is absolutely no way for them to locate the charge in their system without the full 10 digit debit card number. I am highly suspicious that XXXX has no other way of locating it, or that Ally Bank can't work with XXXX to locate the transaction, but neither company is being helpful and I am still owed {$410.00} that was stolen from my bank account.
Product: Credit card or prepaid card

I have a business gold card through American Express. On XXXX we paid the entire amount due of over {$26000.00}. No additional payment is due for another 4 weeks.

I just received notification today from American Express that they have blocked all new charges on all my other American Express cards, none of which are near their limit or have payments that are overdue.

The reason I was given was that until I pay down the remaining balance on the gold card, they will not allow any more charges on any of my accounts.
They are holding multiple accounts hostage and refusing to allow me to run my businesses when the remaining balance isn't due for several weeks.

We were also lied to by one of their representatives about two weeks ago. They called us because they didn't want us to wait until the due date to make the {$26000.00} payment and wanted us to make the payment early. They called several days in a row. When I questioned why it needs to be paid early, I was told it doesn't but they would like it to be. 

I was also told that once we made the payment, that would allow us to again be able to charge an additional {$30000.00} on that card. After making the payment of {$26000.00} they then informed us that they are only allowing us to charge {$5000.00} more. It was a total bait and switch situation. 

I realize that their gold card has no preset limit. However, when asked what is controlling how our account is handled I was told that it is based on how we make our payments, they acknowledged that we are always on time, it is our credit score, which they let us know it has gone up the last few months, and finally our length of accounts, which we have been working with them for over 5 years. 

So the only thing left to determine why we are being treated this way is that we are being discriminated against. We have been treated completely unfairly. 

Thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

This accounts are unauthorized and need to be deleted immediately. I have repeatedly requested for these accounts to be deleted. This company is in violation. I am in litigation and by law these accounts must be deleted. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I experienced hardship due to the XXXX shut down that had taken place. I called into XXXX XXXX and spoke with a Representative who advised he was not able to assist me. When logging in to make my monthly payment the option for a payment arrangement was offered. At NO point did it mention by signing up with this payment plan I would be reported late to the credit bureaus. I received Multiple 30 day lateness on my credit report. For the month of XXXX, XXXX and XXXX.
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 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 an 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: Debt collection

On XX/XX/2022 I paid the original debtor in full. The original debtor verified the amount owed and the cashier 's check was cashed. Also, the amount I paid was consistent with amount on the judgment.
Product: Credit card or prepaid card

Back in 2008 I purchased a bedroom set with financing for 18 months {$2800.00} through Home Design/ Synchrony Bank . I agreed to automatic billing from my bank account and charged me 18 payments that stated that would pay off my purchase within 18 months. They continued to bill me without me being aware until my account bounced because of these charges. So for almost ten years they have been billing me and Im sure I paid more than double {$2800.00}. They claimed that all I paid was the interest on this account at a rate of 27.99 % which is ridiculously high and I still owe {$1000.00}. I tried to dispute these charges and they would not allow me to. I
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FLAGSHIP CRE XX/XX/XXXX GLS XX/XX/XXXX FIRST XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX HAS OPENED AN ACCOUNT ILLEGALLY AND SOMEONE USED THIS Unauthorized account now is past due and charge off has been posted incorrectly in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Credit Bureaus : I am requesting four inquiries are removed from my credit report : # 1 XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 2 XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 3 XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 4 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX I am requesting my credit history with XXXX XXXX is updated on all bureaus. I am requesting a rapid rescore as my scores have been low for the past ten years.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have sent numerous of letters to XXXX because they have been reporting XXXX accounts that are a result of identity, theft and fraud. This company continues to report false information on my credit report despite being sent. They continue to violate my rights as a consumer by reporting in accurate information, despite being sent the proof. Rent recovery solutions is another account that is reporting false information to an address that I never lived at. They had also been sent a letter as well and they refuse to remove this account instead they keep removing this account and re-adding this fraud account to my credit report. 

Rent Recovry Solutions Accounts XXXXXXXX {$1100.00} XXXX {$580.00}