23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My part-time employer, with whom I do NOT share and office, and for whom I do NOT have a work phone, received a voicemail for ME SPECIFICALLY and PERSONALLY with personal information in the voicemail. I have the transcript of that voicemail. This was on her personal cellphone, not some office number - there is no office number. 

They used my NAME and left DETAILS. That is horrifying. I have a screenshot of the transcribed voicemail.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent out letters to the credit bureaus regarding inaccurate and false information that was being reported on my credit report. Its been well over at least 60 days now and I still haven't heard back from them. I think i'm being ignored as well as take advantage of when it comes to my disputes. But I know that section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 60 days so these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the damages caused to me by the inaccurate reporting of my credit report. My information was also impacted by the XXXX data breach and could've potentially been misused by someone else other than myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I filed a FTC report. On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, XXXX, and Transunion data breach, which adds to my worries about the safety of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so disgusted with XXXX XXXX.

I have paid them money and used their service as a tool to repair my credit.

They report today that my score is XXXX.

So I went to try and get a car. My score is XXXX pulled by XXXX XXXX XXXX.

Why are they so misleading? I am absolutely appalled. This is not best business practices and it is horrid for the consumer. How is there over a 100 point swing in the score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to the credit bureas XXXX and TransUnion disputing the validity of In accurate items on my credit report they sent me a credit report on XX/XX/XXXX stating " The company that reported the information has certified to Experian that the information is accurate ''. This information was not reported to XXXX nor Trans Union per attatched letter I sent from the Bankruptcy CourXXXX. 
According to the FCRA the credit agencies are to report accurate information being reported to them. According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure in Case of Disputed Accuracy ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at an agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit card or prepaid card

This is a complaint regarding Claim ID : XXXX I purchased what appeared to be tampered gift cards from a XXXX store. I tried resolving the issue with XXXX which is notorious for not having enough security to prevent gift card tampering. After iniitially taking my case, XXXX offered no resolution. At the same store I had in the past also received tampered XXXX XXXX XXXX, in that case XXXX recovered the cards and despite telling XXXX about the lapse, they did nothing to protect their inventory. By siding with the retailer here, BofA is saying there is no protection for buying tampered or fraudulent goods. 

In the final denial, Bank of America has given me 2 reasons for denial of the claim : 1. BofA claims I did not try to resolve the issue with the retailer, this is incorrect, I had attached my communication with XXXX on the claim as well as in the response to additional info. 

2. BofA claims that I had an opportunity to inspect the item hence the claim was ineligible. This is the most troubling reason. As per this clause, consumers have no purchase protection as soon as they step outside the store. This is obviously illegal and BofA knows this. I am willing to bet almost every claim resolved in favor of consumers due to faulty merchandise is a result of the claim being filed once the consumer has left the premises. 

An analogy would be you purchase cooking oil but when you reach home, the oil bottle only has shampoo in it and BofA will claim that since you didnt inspect it at the store, the merchant has no liability.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft, I provided the proof and paperwork TransUnion required and TransUnion make changes to my credit report based on their factual findings regarding this incident. 

Claim 1. ) There was a child support obligation claimed, which was removed because it was found by transunion not to be accurate or supported by the provided evidence. Some period later perhaps a year TransUnion placed the same child support obligation back on my credit report. Items on a credit report must be absolutely accurate, TransUnion made a factual finding that the same information was inaccurate and removed it they can not now place the same account back on my credit report. 

Claim 2. ) It is my information and belief that my credit report has been commingled with another credit report. The evidence I have to that fact is attached hereto. Essentially, I pay for report directly from TransUnion The product I purchased was " credit monitoring '' My username for this credit monitoring account is " XXXX '' I have attached screen prints from this account. It is painfully obvious that this is not my account it has a credit score of 4 when I pull up my account on myFICO My actual TransUnion report is provided screen prints will be included. It is very clear from all the evidence that they have commingled my file with someone else 's file. In an effort to get to the bottom of the situation I called TransUnion and the TransUnion rep asked me what my social security number was, and mentioned that it did not match with the social security number displayed on their screen. They have actually denied me directly access to my credit report, I had to go through another website in order to get a copy of my credit report thus having to pay twice. Therefore not only is this child support obligation not mine and should be removed from my credit report they have mixed in elements of some other person 's credit report with mine. 

Claim 3 ) I have a right to privacy but they are constantly and specifically abridging that right by commingling my information with that of someone else on another report entirely and ruining my credit and furthermore not providing me with the report that they are legally required to provide.
Product: Debt collection

I sent a letter to the company on XX/XX/XXXX and I did not receive a response from the company until XX/XX/XXXX via CFPB. Per FCRA, the company had 30 days from my written request date to verify information. The company also did not send a copy of a written contract bearing my signature, therefore they have also failed to verify this information. The statement they sent me shows an unknown address that is not associated with me which shows that it can be another person with the same name. The company has violated two important FCRA laws, if the company does not comply with CFPB I will also file a complaint to FTC and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account # XXXX was Open XX/XX/2018 is reporting inaccurate information on my credit. Per my agreement after closing and paying off the account all negative marks will be removed but its reporting different on my credit. The account is not a collection and hasn't been recently updated, Please update my report to show verification, if the account can not be verify remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I filed paperwork stating I was on Unemployment and I was approved for unemployment deferment all 3 credit bureaus are showing late payments not the approved deferment. This has critically and negatively tanked my credit score which went from XXXX to XXXX. I have been working to get my score in a credit worthy position. 

XXXX XXXX XXXX XXXX... 
{$16000.00} XX/XX/year>2025 Late XXXX  Account XXXX XXXX XXXX XXXX XXXX... 
{$13000.00} XX/XX/year>2025 Late XXXX  Account XXXX XXXX XXXX XXXX XXXX... XXXX {$11000.00} XX/XX/year>2025 Late XXXX  Account XXXX XXXX XXXX XXXX XXXX... XXXX {$8800.00} XX/XX/year>2025 Late XXXX XXXX XXXX XXXX... XXXX {$7400.00} XX/XX/year> Late XXXX  Account XXXX XXXX XXXX XXXX XXXX... XXXX {$4300.00} XX/XX/year>2025 Late XXXX  Account XXXX XXXX XXXX XXXX XXXX... 
{$4200.00} XX/XX/year>2025 - Late XXXX  Account XXXX XXXX XXXX XXXX XXXX... 
{$4200.00} XX/XX/year>2025- XXXX XXXX XXXX Services XXXX... 
{$4200.00} XXXX 2025 Late XXXX  Account XXXX XXXX XXXX XXXX XXXX... 
{$3300.00} XXXX 2025 Late XXXX XXXX XXXX XXXX XXXX XXXX{$2800.00} XX/XX/year>2025 Late
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 account number XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX not showing on credit report, LXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not XXXX XXXX XXXX on credit report, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 the information is inaccurate.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outsider of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, i certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable under perjury under 18 U.S.C. 1621. This collection found on my credit report are not related to any transactions that I made.I am alleging that a person or company- without my authorization used my personal identifying information to apply for goods, services, or money and was successful in cresting some accounts. All are being investigated by the FTC
Product: Checking or savings account

I applied for a chase checking account of XX/XX/XXXX and I noticed there was message on the banker computer and he didnt read it but it saids dont open this account for this customer but this banker in XXXX Texas open a chase checking account no questions ask and I set up future payments so I can have my bills paid and the next day on XX/XX/XXXX chase decided to end a relationship with me and wouldnt tell me why since I didnt do nothing wrong and I had there credit card for 11 months with no issues and never been late or I never made a minimum payments and Im trying to restore my relationship was XXXX and I do think they are a good bank but I was wrong I had few reps were rude to me and being a smart XXXX and they refused to release my funds and I told XXXX that I have a upcoming direct deposit coming up this Friday on the XX/XX/XXXX and they told me I wont get it and it will be a huge delay and I explain to chase that if they dont give me my money that I worked hard for I will have to hired a lawyer and I feel like this is abuse and discrimination based on my race and my XXXX .... I also look on the banker screen while he stepped away and I noticed there was a charge off account back in XXXX I never applied for XXXX in XXXX I want XXXX open up a Fraud investigation on it ... XXXX has let me down and ruined my day and closed my checking account and I had to move money over and called my other banks and cancel payments and I end up getting charged a return check fee from XXXX XXXX Because XXXX block my payments XXXX  XXXX is unable to collect them
Product: Credit reporting, credit repair services, or other personal consumer reports

I had about 7 medical bills all with the same company for testing. After disputing some of the charges they were sent to a company called Professional Credit Management which a debt collector out of XXXX, Arkansas. I contacted this creditor on numerous occasions. I was told by several representatives that my paid accounts would be removed from my credit report but they would not remove them until they were all paid in full. Well I have paid ever single account. When I noticed the accounts were not being removed from my credit reports I contacted PCM via phone and mail. I was told that by a female representative that they would not be removing my paid accounts. When I advised her that I was told they would be removed she said the person was new and did not understand how PCM does business. The representative refused to provide me her name or reference number. She then called me a " XXXX '' and told me to " pay my XXXX bills on time next time. '' When I tried to call back to speak with a manager, PCM blocked my phone number and will not accept a call from me. When I call from another number and I tell them who I am, they place me on hold without ever picking back up. I am asking for help. I am a consumer that has been taken advantage of and treated poorly. I can provide proof of payment on all accounts and also a copy of the letter that I received from PCM in reference to deleting paid accounts.
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding Missing Funds in Wise Account Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a transaction issue involving Wise ( formerly TransferWise ), which has caused significant financial distress. 

I loaned my father {$100000.00}, which he has been repaying in two installments of {$50000.00} each via Wise. While I successfully received the first {$50000.00}, I have not received the second {$50000.00}, despite my father initiating the transfer over two months ago.

During the transfer of the second installment, there was initially an account number error. However, my father corrected this mistake promptly, and his bank has since confirmed that the funds were sent to Wise. Unfortunately, Wise claims not to have received the funds.

I have tried multiple times to resolve this issue directly with Wise, but I am only able to communicate with them via email. They have been unhelpful and continue to deny receipt of the funds. Moreover, I have been unable to reach Wise by phone, and their lack of responsiveness is deeply frustrating. My father 's bank has also contacted Wise but has not received any acknowledgment or resolution from them.

This unresolved issue involves a substantial amount of money ( {$50000.00} ) and is causing significant stress and inconvenience. I would greatly appreciate your assistance in resolving this matter.

Please let me know if you require additional documentation or further details about the transactions.

Thank you for your attention to this matter. 

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

I have been denied credit based on unverified public records, I reviewed my credit report and noticed that US Bankruptcy Court, District Court of Maryland has a public record on my report. I have requested the XXXX XXXX and Transunion to provide how the information was verified. The US bankruptcy Court District Court of Maryland can not provide the procedures in which they verified this record with the credit bureaus. 
With this information not verified, I'm requesting it be removed from my credit report immediately. 
XXXX, XXXX nor Transunion can not verify how information was obtained.
Product: Vehicle loan or lease

I made a loan with SCS credit corporation. The account is open and showing I owe XXXX as of 7 years and 2 months ago. It was a XXXX XXXX XXXX. The car has been repossessed years ago. I am going through a financial crisis and can do longer make such large payment for something I no longer have. Its been such a long time since I had the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed incorrect information on my credit reports in XXXX and still have no completed results.
Product: Credit reporting or other personal consumer reports

Recently I looked a copy of my credit report and noticed erroneous, and inaccuracy information on my report. Those accounts are hurting my ability to obtain credit. It is my understanding that these items must be investigated to ensure accuracy. 1. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX  Acc. # XXXX XXXX XXXX XXXX. # XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I noticed that I had requested a change of address, and this report # XXXX Still shows inaccurate address. My actual address is XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX FL XXXX. Please update the address. I sent documents supporting the right address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian Subject : Dispute the inaccurate name and addresses appearing on my credit report issued by your agency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Erroneous/Inaccurate/fraudulent Account names and account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This letter is a formal dispute and request for investigation under the Fair Credit Report Act ( FCRA ), 15 U.S. Code 1681 et seq.

1.15 USC 1681e ( b ) Accuracy of information/ This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 USC 1681i- Duty to investigate. This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies.

3. 15 USC 1681C Disclosures of Consumer Reports. This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names, addresses, inquires and accounts do not contribute to the accurate representation of my creditworthiness and should be removed.

I kindly request that you investigate the accuracy of the names, addresses, inquires and fraudulent accounts associated with my credit report, remove the inaccurate accounts and provide me with a free copy of my updated credit report.

Failure to address this dispute may result in legal action as permitted by the FCRA. T Thank you for your prompt attention to this matter. 

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

This complaint to Experian result of their non-compliance to my request and for their refusal of getting the accounts and inquiries, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these accounts and inquiries or have Experian get back to me with regards to the issue. Here are the accounts and inquiries that concern me : XXXX XXXX XXXX XXXXXXXX Balance {$23000.00} XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$95.00} XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXXXXXX Balance {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance {$15000.00} XXXX XXXX XXXXXXXX Balance {$3900.00} XXXX XXXX Inquired on XXXXXX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX