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

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information appearing on my credit report includes : XXXX. XXXX  XXXX : - A personal credit card account opened in XX/XX/XXXX, under account number XXXX. 
- Fraudulent charges totaling {$1100.00}. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX A credit card account opened in XX/XX/XXXX, under account number XXXX. 
- Fraudulent charges totaling {$500.00}. 

XXXX. XXXX XXXX XXXX XXXX : - A credit card account opened in XX/XX/XXXX, under account number XXXX. 
- Fraudulent charges totaling {$620.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A personal loan account opened in XX/XX/XXXX. 
- Fraudulent charges totaling {$2500.00}. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX A fraudulent lease opened in XX/XX/XXXX, under account number XXXX. 
- Fraudulent charges totaling {$3800.00}. 

In addition to these accounts, these incidents of identity theft have led to multiple fraudulent hard inquiries and collections appearing on my consumer credit report. These accounts, inquiries, and collections were not opened, made, or initiated by me. They are all the result of identity theft and fraud. 

I have attached the following documents to support my claim : XXXX. A copy of my consumer credit report maintained by XXXX showing the fraudulent items. 
XXXX. A list of the fraudulent hard inquiries in question. 
XXXX. A copy of the FTC Identity Theft Criminal Complaint confirming that these accounts, collections, and hard inquiries are the result of identity theft and fraud. 

What would be a fair resolution to this issue? ( Demand for Relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this complaint from my consumer credit file within four business days of receiving said complaint. I also request that all collection activities related to these fraudulent items cease immediately. 

Please provide written confirmation regarding the resolution of this complaint.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my CAPITAL ONE - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting or other personal consumer reports

HARD INQUIRIES MADE IN ERROR OR PLACED ON MY CREDIT MORE THAN ONCE AS IT ONLY SHOULD BE ONE TIME OR NOT AT ALL AS SOME I DIDNT APPLY FOR IT AT ALL. PLEASE DELETEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX

NEVER APPLIED WITH THIS BANK OR COMPANY. PLESE DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX

THIS IS A DUPLICATE ONLY APPLIED ONCE NOT TWICE THIS IS ERROR PLEASE DELETE

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX

THIS IS DUPLICATE ONLY APPLIED ONCE NOT TWICE THIS IS ERROR PLEASE DELETE


THEIR IS MORE THAN ONCE ON MY CREDIT SAME COMPANY EITHER DIDNT APPLY AT ALL OR APPLIED ONLY DID IT ONCE ON MY CREDIT IT HAS BEEN PLACE MORE THAN ONCE TWO OR THREE TIMES NOT ACCURATE PLEASE DELETE AS I MADE SURE TO PUT DATES OF THEM ALL. THANK YOU
Product: Credit reporting or other personal consumer reports

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  Early Warning Services , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my Early Warning Services consumer report. I have NEVER opened or used the following account numbers : Bank : 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  I dont recognize the above accounts in question. Im an identity theft victim due to the XXXX and XXXX data breaches. I believe these unrecognized accounts on my Early Warning Services consumer report are a result of identity theft due the mentioned data breaches. Im requesting the above information be deleted from my Early Warning Services Consumer Report immediately. Ive attached to this request, a copy of my FTC identity theft report.

Thanks for your assistance resolving this matter. 

Best Regards, XXXX XXXX
Product: Student loan

I have reached out to my service provider MOHELA in XX/XX/XXXX to request a refund of {$25000.00} lump sum payment made during the pandemic. The funds were made under XXXX prior to closing. Since XXXX is no longer my servicer, I was assured that MOHELA would handle the refund process and payment would be received within XXXX business days. 

I have called MOHELA at least XXXX times for an update often waiting on hold for hours due to not receiving the funds. I have escalated the case and filed a complaint directly with MOHELA and the Department of Education in XXXX of XXXX. I was again informed the money would be received prior to XX/XX/XXXX by an advanced agent. 

As of XX/XX/XXXX, XXXX months after the initial request of the refund, I have not received an accurate update on the status of the refund of {$25000.00}. I have relied on the information given by MOHELA on when to expect the funds to be received. I have resorted to taking out a high-interest personal loan to make ends meet. The misinformation given by MOHELA has caused me financial hardships with no end in sight. MOHELA have not provided me with information to contact the Dept of Treasury and have not provided me with the long expected refund payment. Please let me know what legal steps I can move forward with to proceed with a refund as granted by the federal government. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

cfpb please look at the attachments i have uploaded XXXX out of many from my credit report. please look at the attachments and let me know if you can spot the BIG PROBLEM AND INACCURATE INFORMATION! 
how can transunion report those accounts was closed XX/XX/XXXX i was not born until XXXX so this whole time they are reporting these both was closed XXXX  years before i was born. i have Printed all the disputes times dates and still continue stating its accurate. i have contacted league action on this company any any other company aiding this behaver. 

I found many inaccuracies on my credit report from Transunion and XXXX. I have numerus times disputed these inaccuracies. the company comes back within just a couple hrs. and states they investigated and found it being accurate. Then I call and ask how they can state its accurate and verified when some inaccuracies are so outargues and violates my rights in the biggest way. I have repeatedly over and over disputed these inaccuracies with no resolution. I tried being nice and kind about it even though it's unfair and violates my rights... so, I am asking again please delete the accounts that are reporting to everyone this inaccurate information. at this point i printed out all the inaccuracies to show proof Transunion and XXXX has been for years and months according to all the credit reports from both have tarnished my good name.

Im about to sue u for statutory damages and actual damages for reporting incorrectly to my credit reports. filling with the IRS for fraud. 



I am writing to dispute the in accurate information that TransUnionXXXX XXXX is reporting on my credit report. according to the information provided, it appears that there is many inaccuracies found on my credit report. I am formally requesting that TransUnion/ XXXX provide proof As a responsible consumer, i take my credit report seriously and am concerned about the inaccurate information being reported. the false information listed is damaging my creditworthiness and may have serious implications for my facial well - being Should TransUnion/ XXXX fail to provide verifiable evidence. i am prepared to pursue legal action to rectify this error. i have outlined an itemized list below detailing the potential financial losses TransUnion/ XXXX XXXX incur if litigation becomes necessary. 

1. Legal Fees : {$5000.00} 2. Lost Wages : {$3500.00} 3. Emotional Distress : {$7000.00} 4. Statutory Damages : {$10000.00} Please note that the figures provided above are estimates and my bary based on the extent of the inaccuracies and the duration of legal proceedings i am hereby requesting thatTransUnionXXXX XXXX XXXX investigate this matter and provide me with a written response detailing the results of the investigation. I expect this dispute to be resolved within the timeframe mandated by the Fair Credit Reporting Act. 

thanks for your prompt attention to this matter. i look forward to receiving your response within 30 days as required by law.
Product: Credit card or prepaid card

Reported charges as fraudulent to credit card company they argued with me for months I finally reported them to consumer financial protection bureau they responded and removed the charges as fraudulent. But are refusing to reinstate my credit card. This card should have never been closed to begin with. If they would have listen to me in the first place this would not have happened. I always paid on time and was never late when the account was open till the refused to remove the fraud charges. Then I stopped paying. They have now removed those charges as fraud and need to send me a new card and reinstate this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In disdain of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable an unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer ( EFTA ) and regulation E. These actions have all significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of debt bondage and would like for all issued accounts to be blocked and deleted from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, credit collection. 
XXXX XXXX XXXX XX/XX/1969 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Credit Bureaus that this company was violating the Fair Credit Billing Act by illegally adding fees and yet you did nothing to correct the matter. Had your record-keeping been accurate, proof of the last statement would have revealed such horrendous behavior. You are condoning illegal behavior and credit bureau is willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.
Product: Debt collection

On XXXX XXXX, there was {$450.00} balance reported from XXXX XXXX. Called XXXX  XXXX and notified them this not my balance and someone opened this account using my name. No resolution. I need this balance taken off immediately because I have never used or notified of the collection by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am seeking your help to address the incorrect account on my credit report. This matter has negatively impacted my reputation, and I require your assistance.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 reporting, credit repair services, or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX filing on account. That l don't. Ow .l refuse to make I believe this account was. Written up filed incorrectly by the car lot. Due to. no proof shown of account. .Ownership records. Payments history. reason I failed fraud alert Police XXXX union supervisor. instructed to file.police report, fraud XXXX. Filed CFPBComplaint dispute. Is taken over XXXX ( .no decision ) spoke to customer rep chased Morgan, chase rep couldn't provide officer. Me anything regarding this account. Police. Wrote up complaint against. JMBCB. Chase Morgan th is criminal offensive to place account on person records no proof they are the ownership on the account. Cause she Advise us those records were old accounts happened 2015. So she. Couldn't provide us any proof records. .why consumers contact me advice me this account was failed under XXXX. FAIR report act. about. That account my informations shown don't match ssn other individuals. she advised XXXX this account 2015. TransUnion credit report a contstanly request me in writing to recover disputed this matter. Letters. Attached CFPB down below since XXXX XXXX REQUEST Not to file.Another dispute l been instructed to file legal action possibly attorney request punitive damage Due to me being veterans affairs Due to Fraud alert. not safe plac documents Social security numbers. postal mail .Buy me being veteran all federal governments institutions has Been Alerts. l request chase banks to stop reporting. Until they have enough XXXX request TransUnion XXXX XXXX XXXX bank name. Listed under interrevenue listed under fraud accounts government officials
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that i have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Money transfer, virtual currency, or money service

I was paying a fellow gamer to assist in a game on XXXX  XXXX. I was promised assistance but when I forwarded the money he immediately booted me from the game and ignored all messages. Person will also not acknowledge emails. 

I initially paid {$25.00} which he returned and stated he needed it to be 25GBP. 

I resent and was then booted, soon to realize I had been scammed. 

PayPal states that since it was a friends and family transaction that it doesn't matter if I was scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, Discover Bank # XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

On my Transunion report it shows an account from Current that is on my Transunion report that is not mine I have no knowledge of this account and I did not open a secured credit card with current I have no cards no account with that financial company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying over 5 years before I join the XXXX XXXX, am XXXX XXXX personal. I have ask the 3 credit bureaus to fix this issues and they have not been no help at all. On XX/XX/2018 I sent a request to the following creditors as while to ask hem to take off all these negative accounts on my credit reports. There are two main accounts that needs to be removed from my credit report. 

1. University XXXX XXXX XXXXXXXX- {$630.00} account no : XXXX 2. XXXX XXXX / XXXX  - {$320.00} account no : XXXX I just sent out another set of Validations letters to them, asking for an response
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing information regarding my credit report. 
Chapter XXXX Bankruptcy XXXX XXXX XXXX  and wrong addresses on my credit report. 
the credit bureau has not responded to my letter and i have since sent another asking them to comply and respond to my first letter which has been well over 45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a personal information update request to the credit bureaus, to make sure that the personal information was reported accurately. In response to my written response per my rights, they responded in a email and not in a written response as I requested. I would like to make a formal complaint that they did not honor my request per the law, and refuse to update the information that is reporting on my credit profile. I received the email back from Experian on XXXX and have not received any updates.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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
Product: Credit card

American Express charged me an annual fee of {$690.00} for a credit card account. The account was canceled through the mobile app by my husband, not me - the primary account holder. Amex canceled the account without verifying identity, and I had no opportunity to reverse this decision. I contacted them shortly after and the reply was that " I '' reached out just XXXX day outside of the XXXX refund window ( it was my husband, they never verified and I asked for chat where they use PIN/2factor authentication, I got only the answer that I have to review it myself ). So they refused to refund the annual fee or reopen the account. I received no value for the fee. I believe this was an unfair practice and want either the full refund or reinstatement of my account so I can use the offered services.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.