23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed in attachment which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft. 
I have disputed these accounts with you since XXXX of 2022, and NO action was taken. 
section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within FOUR BUSINESS DAYS and to promptly notify the furnisher ( s ) of that information. As consumer I am requesting these accounts to be deleted IMMEDIATELY Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security card was stolen along with other items and was use to try to get a XXXX XXXX credit card, XXXX XXXX credit card, & XXXX XXXX   credit card. I called numerous to resolve the issue with Comenity Bank but no resolution. I also called the credit bureaus. The inquiry remark from XX/XX/XXXX & XXXX is damaging to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is in regards to Equifax 's data leak from their web application reported by XXXX on XXXX XXXX 2017,  and that you were listed as a potential victim
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper, Unlawful use.
Product: Checking or savings account

In XXXX I received a coupon from Chase Bank through my account that stated if I was to open any account over {$200000.00} i would receive a bonus of {$2000.00}. I went to the branch and asked the assistant VP, XXXX XXXX, he then confirmed that the bonus was correct and stated that he would assist me in receivingmy {$2000.00} bonus. We then set up an appointment with the senior VP XXXX, and which he also assured me that I would receive my money with the help from them. I then proceeded to transfer {$210000.00} from XXXX XXXX and {$8000.00} from XXXX. I was told that I had to keep the money in that account for 3 months in order to receive the bonus. After the 3 months I called the branch to see the status of the bonus, in which they told me to givethem an additional 15 days. After the 15 days i called stating I should have received the money now in which he responded that I should have opened up a checkings account. However, during th process they assisted me and assured me that a XXXX was eligible to receive the bonus. I then told them that I already had a checkings account and they informed me that they would investigate this again. In a week he got back to me and said the amount to qualify for the bonus {$250000.00} instead of the previously stated {$200000.00}. I then told them that I would be filing a complaint. After calling Chase directly the assured me that I was correct and was eligible for the bonus with my XXXX account. When they opened back up they saw that my account had a requirment of {$250000.00} that was set by the branch. They then told me that they couldn't assist me any further and i had to deal with the branch. I feel violated, made a fool and completely taken advantage of. Why would I switch from a more established company such as XXXX to switch to Chase, in which I've had my money in for over 15 years. Can you please assist me in receiving my bonus or direct me to where i can go to continue my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXXXXXX {$430.00} XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$6500.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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

My name is XXXX XXXX. I have a problem with one of my Capitol One credit cards reporting 30 days late on my report. In XX/XX/XXXX I lost my credit card, I did not notice card was missing and never opened statment be cause I paid off ballance in XX/XX/XXXX. I found out when I applied for a loan that card was reporting 30 days late. I called capitol one and explained what had hapened. I filled a police report, I wrote a leter to capitol one explaining what happened. After a month or so they rufunded charges, but they never removed 30 day late from my credit report. I have tried to resolve this through phone calls and letters but have been unsucsseful, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I checked my credit report recently & find out multiple billing errors
Product: Credit reporting or other personal consumer reports

I HAVE REQUESTED AND DISPUTIED THE FOLLOWING ACCOUNTS SEVERAL TIMES, AND I HAVE NOT BEEN HEARD. 

XXXX FORMERLY XXXX XXXX {$14000.00} ( 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, credit repair services, or other personal consumer reports

I was victim of identity theft and there are unauthorized hard inquiries on my TransUnion Credit Report :XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX I was victim of identity theft and there are unauthorized hard inquiry on my XXXX Credit Report : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I purchased a mattress from XXXX directly on XX/XX/XXXX using the credit/installment loan payment option. During the online purchase I reviewed several different mattresses and decided on one that was on sale. The website clearly indicated that all mattresses had a 90- day free trial. Since this was the first time I was purchasing a mattress from this company, that trial period was integral to my decision to purchase a mattress from them. I tried out the mattress and on XX/XX/XXXX called the company to find out if I could exchange it. It was OK but not very comfortable. The agent told me that the specific model I purchased was a " closeout '' product and that all closeout products were not eligible for the 90 day free trial. I checked my email confirmation and there as no indication that I had purchased a " closeout '' item. But there was a very small disclaimer at the bottom of the email that closeout items were not eligible for the 90 day trial. I also checked the terms of the 90-day free trial online and there was NO indication of a limitation for closeout items. It ' s available here : XXXX : XXXX The company refused to honor the 90-day trial and I am now stuck with a mattress that I don't like that I will need to continue to pay off in installments to Wells Fargo . I am  very concerned that the company deceived me during the purchase of this item and did not clearly disclose that the item that I purchased was not eligible for the free trial. In addition, both the website and the email include multiple references to the free trial, and there is no caveat or exception called out. This is clearly a marketing technique used by this company and it was the differentiating factor that convinced me to purchase from this company. I feel deceived and cheated.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my authorization and I request their immediate removal.

The accounts in question are : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1500.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

From XX/XX/year> to date capitol one has refused to acknowledge the fraudulent activity continuously on my acct shortly after their data breach in 2023 ( XXXX ) and in XXXX XXXX I had to file identity theft because all of my cards were accessed through my Capital One accounts and I couldnt get them to stop being charged and I couldnt get Capitol One to document the identity theft and going back all the way till the middle of XX/XX/year> so I have been fighting them for XXXX months now and my credit is completely damaged due to them allowing access to my accounts when I asked to change my account get fraud and get escalations involved because they kept onhaving false charges that were not mine and they were allowing same companies that we already disputed to keep charging the account even though I did authorize it
Product: Checking or savings account

On XX/XX/2019 I closed 2 C.D. accounts with Bank of Hope. They were BOTH opened on the same day and matured on the same day and paid the same interest. When I open a new account I use a C.D. calculator independent of the bank 's calculator so that I know what I should get upon maturity. One account ( ending in # XXXX ) was very close, and as an XXXX, I know that was probably due to " rounding ''. I have no problem with this account. However the other account ( ending in # XXXX ) had a substantial underpayment of {$6.00}. 

On XX/XX/2019 I closed 1 account with Bank of Hope resulting in an underpayment to me of {$3.00}. In both circumstances I used a different C.D. calculator to make sure the numbers were correct compared to the 1st calculation I had done and the end result was exactly the same. 

On XX/XX/XXXX, when closing the 2 accounts I showed this difference to the Branch Manager, XXXX XXXX. She insisted the Bank of Hope calculation was correct in spite of the fact that 1 account ( ending in # XXXX ) agreed with the independent calculator and # XXXX was off. There is something wrong with this picture!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - ACCOUNT NUMBER XXXX is reporting inaccurate information to my credit report. This violates my consumer rights under the Fair Credit Reporting Act 15 U.S.C. 1681, by which credit reporting agencies must report complete, verified, and accurate information.

The above account is showing account closed on XX/XX/XXXX, Last Payment XX/XX/XXXX, and several payments, late payments, XXXX balance, etc... 
The information is inaccurate and should be deleted immediately. 

I have contacted creditor and credit bureau to delete the inaccurate information.
Product: Debt collection

Midland Credit Management Multiple calls before XXXX and after XXXX, calls from different numbers, calls on the weekends. Calls more than XXXX times a day.
Product: Debt collection

A party named : XXXX XXXX of Financial Asset Management Systems repeatedly calls my home phone number. And, now, he is telephoning my place of employment. I asked him to stop calling me, but he continues to call. During his call, he will not give any information about the debt that I supposedly owe. He asks me for my social security number and my date of birth. I do not give him the details that he seeks, but he continues to telephone me at home and at work.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX, XXXX XXXX  XXXX, and XXXX XXXX . 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: Credit reporting or other personal consumer reports

There were late payments reported on my auto loan account that were not accurate. I had submitted supporting documents from the auto lender and the late payments were then removed by XXXX. A week later the late payments were inaccurately reported again by XXXX. Experian also reported late payments that are not accurate on my auto loan account. There should be no late payments reported on these accounts.
Product: Credit reporting or other personal consumer reports

I have recently reached out to all XXXX major credit bureaus via certified mail that requires a signature, asking them to verify some accounts. I also requested a complete investigation on everything on my credit report, and they did, and stated everything was accurate. After I looked over my credit reports to do my own research, I still found some items that are reporting inaccurate on my consumer reports. There are several items reporting on different dates, different amounts, accounts opening, closing on different dates, or late payments.

After carefully reading my consumer laws and the Fair Credit Act, I've noticed that some of my consumer rights have been violated. According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Also after reading my consumer laws, I've noticed that if a consumer agency is reporting inaccurate information on my consumer report that is a violation of my rights.15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. Several of my consumer rights have been violated by the accounts listed below, therefore I demand these account to be removed from my credit report. 

XXXX. XXXX XXXX Account # XXXX Inaccurate items are as follows XX/XX/XXXX I was marked XXXX late by XXXX but marked paid on time by XXXX. XX/XX/XXXX I was marked paid on time by XXXX and XXXX, but XXXX  days late by Equifax. How is this the case if my consumer reports should be accurate? 

Please see attached files XXXX. XXXX XXXX  Account # XXXX This company has been reporting inaccurate information from XXXX XXXX XX/XX/XXXX and other dates. Please see the attach files for confirmation. 

I demand these accounts be deleted from my consumer reports immediately due to the fact that they violates my consumer rights.
Product: Credit card or prepaid card

see attatched XX/XX/2019 Why did USAA Begin these Fraud Investigations??? WITH TEMPORARY CREDITS of Adjustment Purchases XX/XX/2019 I DID NOT REPORT FRAUD IN XX/XX/2019??? What is USAA Beginning Investigations on for these transactions that total {$410.00}????? ** What is the New Purchase posted of {$190.00}?? on XX/XX/2019 I DID NOT PURCHASE OR AUTHORIZE????? Why is no notice of any understanding provided? WHY ARE USAA CREDITS HIDDEN FROM CONSUMERS?? WHY HIDE THEM?? THINGS KEPT IN SECRET CREATE ABUSE. USAA IS ABUSIVE. NO RESOLVE OF FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised that you all can help with these items on my credit and I dont know where they came from. I have called all of them on there several times and its just been a run around. Half of the time you just hang up after being on hold for two hours everytime and when you do get someone the line is never clear and they all say its because they are working from home. Please help me get this resolved and these accounts taken off my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and some account that dont even have a name but the account number is XXXX. I also see something called DPT EDXXXX and looked it up and they said its a student loans. I dont know how that happened because I have never been to college. I didnt even graduate from high school which is why I have to work hard to have a nice living and my credit is all I have. I also saw where I guess my credit was pulled and I have not applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. Im doing this by myself and really need some help.
Product: Debt collection

I am writing this due to non-compliance with the ( XXXX XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Mortgage

In  XXXX  I took out a second mortgage with HFC, a HSBC company and just recently it was transferred to a company I never heard of  XXXX ,  XXXX   XXXX   XXXX  ,  XXXX   .    I never looked closely before just made my monthly payments until recently and I noticed that my principal has hardly been reduced over these 10 years and I began to think that this is an abusive mortgage situation that I am involved in. I looked online and saw that in  XXXX  HSBC was sued over similar abusive mortgages. I would like to get relief and a fair situation for this mortgage from the companies now involved and previously.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian for failing to fully investigate disputes I have raised and for allowing inaccurate information to remain on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). I am deeply concerned that this failure is damaging my creditworthiness and hindering my ability to maintain financial stability. 

I have disputed certain entries on my Experian credit report that I believe are incorrect or outdated. Despite providing supporting documentation, Experian has not properly investigated my disputes and has allowed these inaccuracies to persist. In some instances, I have received no clear resolution, and the inaccurate information remains on my report without adequate explanation. 

Experians actions appear to be in violation of the Fair Credit Reporting Act, specifically Sections 1681i and 1681e ( b ), which require consumer reporting agencies to conduct a reasonable investigation into disputes and remove any inaccurate, incomplete, or unverifiable information. Additionally, as outlined by the Federal Trade Commission ( FTC ), these consumer protection laws are designed to ensure that credit reports are accurate, timely, and complete.

I am particularly concerned given that the Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against Experian for similar violations. In recent lawsuits, the CFPB has accused Experian of failing to properly investigate consumer disputes and allowing incorrect information to remain on credit reports, despite clear evidence of inaccuracy. The CFPB has highlighted that such failures are not only violations of the FCRA but also directly harm consumers ' creditworthiness and access to financial services.

The continued presence of inaccurate information on my credit report is severely affecting my ability to obtain credit, secure loans, and make important financial decisions. It is distressing to experience such harm despite my efforts to address the matter through the dispute process.

I respectfully request that the CFPB intervene and ensure that Experian conducts a full and proper investigation into my disputes, in line with the protections guaranteed under the FCRA. I also request that any inaccurate, outdated, or unverifiable information be promptly removed from my credit report, as per the law. 

Account # : XXXX XXXX XXXX XXXX
Product: Debt collection

I am extremely frustrated and concerned to see that there are several fraudulent accounts appearing on my credit profile. Despite my multiple attempts and providing several documents to correct these errors, they are still reporting on my credit report. This is a serious issue that needs to be addressed immediately. I kindly request that you correct my profile and take the necessary steps to remove these fraudulent accounts from my credit report. It is imperative that this matter is resolved promptly as it is negatively impacting my credit and financial well-being. I trust that you will handle this matter with urgency and professionalism. Thank you. 
remove accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

back in XX/XX/2014 XXXX XXXX XXXX did work for me at my t house. I contracted them WITHOUT a time frame. after I saw they were not doing the correct service I terminated them after a day. they billed me for 3 and wrote on top of contract a minimum term which is not initialed by me or them! they were being thieves and I paid them for the time which they did the job, that's all they deserved. I am a reasonable and fair and have ALWAYS paid my obligations. I have asked the collection company for a copy of the executed invoice and to note where they wrote in a term, they have NEVER complied!!! 
the collection agency is no better than the people they collect, zero integrity!!!! 
thanks for looking into the matter and I hope you can get the answers I could not.
Product: Credit reporting, credit repair services, or other personal consumer reports

An online loan was approved with my SS # on XX/XX/18, all the information used was not mine. Info used ... ph # XXXX, email XXXX, state TN. The amount of the loan was {$420.00} a {$75.00} was added for a total {$500.00} now. 

XXXX XXXX XXXX # : XXXX, I made a request to have this discrepancy removed seeing that it was fraudulent, but I was directed to XXXX and told to file a report. 

I have no documents because this account in collection is not mine, I did not apply for the online loan. 

The current collection agency is... 

CONSUMER ADJ CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Mortgage

XXXX dba Shellpoint Mortgage Servicing recently acquired my mortgage by Assignment of Mortgage Recorded in NXXXX Public Register Office on XX/XX/2021. Upon trying to call them several times they have advised that they do not have my loan.