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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Please review and reopen my original complaint filed : XXXX. That complaint should not have been closed. CASH APP did not provide any substantive evidence of their claims. It's offensive that they claim I authorized this transaction. I have stated repeatedly that I did not and I am the victim here and they continue to victimize me. 

Someone one named XXXX XXXX illegally connected their card to my cash app. That is a fact. I did not authorized this. That is another fact! 

Cash App is lying in their response. They did not investigate and they certainly have not provided any proof of their claim that I alegedly authorized someone to steal {$250.00} out of my account. How does CPFB justify closing this claim? Are there any humans looking at the details of this claim? 

Please reopen my claim and investigate further or make Cash App provide actual evidence. They need to refund my money immediately. 

I would like a phone call from a human on this matter. XXXX XXXX XXXX XXXX
Product: Bank account or service

I used to have an account with M and T. Over XXXX years I closed the account and cut up my bank card. XX/XX/XXXX or XX/XX/XXXX I cleared up all my debt which also verified that I had no open accounts or outstanding balance with them. Just today I received a call from them stating that my bank card was used and they wanted to verify that I was the one who used it. This means that the bank reopened my account and issued a new card under my name without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Transunion I only have one of the two XXXX entry because from some miracle I disputed them both 6 weeks ago and they took one off and not the other. I talked to XXXX and they said they sent an electronic message to Transunion stating the XXXX delinquency as XX/XX/XXXX. They said they sent this on XX/XX/XXXX. I sent a dispute attaching proof that the date of delinquency is XX/XX/XXXX therefore it should be off my credit report. Since then Transunion reported back to me they did there investigation even after I sent proof to them with what I attached from XXXX, they still have not fixed it and state that the date of delinquency is XX/XX/XXXX. I asked Transunion even having proof of the date of delinquency from XXXX you have not removed it from my credit report and they said XXXX says it is right XX/XX/XXXX date. I asked what is the point of sending proof they said to me even if your correct and you have proof from the creditor and the creditor still reports wrong we will always do what the creditor says. I said so proof doesn't matter right and he said in your case it does not matter. 

On XXXX I have two XXXX entry I talked to XXXX and they said they sent an electronic message to XXXX stating the XXXX delinquency as XX/XX/XXXX on both accounts. They said they sent this on XX/XX/XXXX. I sent a dispute attaching proof that the date of delinquency is XX/XX/XXXX therefore it should be off my credit report. Since then XXXX reported back to me they did there investigation even after I sent proof to them with what I attached from XXXX, they still have not fixed it and state that the date of delinquency is XX/XX/XXXX. I asked XXXX  even having proof of the date of delinquency from XXXX you have not removed it from my credit report and they said XXXX says it is right XX/XX/XXXX date. I asked what is the point of sending proof they said to me even if your correct and you have proof from the creditor and the creditor still reports wrong we will always do what the creditor says. I said so proof doesn't matter right and he said in your case it does not matter.
Product: Credit reporting or other personal consumer reports

I checked my credit profile and came across inquiries that do not belong to me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : Unknown # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against EQUIFAX XXXX XXXX XXXX, who has used my consumer profile without my consent or knowledge. They have engaged in defamation of character by providing incorrect and biased information to a third party company who used information supplied by EQUIFAX INXXXX XXXX XXXX, to deny me an extension of my own credit. As a consumer, this has severely harmed me and caused me to be unable to purchase essential consumer goods and services based on false, erroneous and biased information being supplied by them. EQUIFAX XXXX XXXX XXXX provided a credit score of : XXXX as well as other biased, erroneous information without my knowledge or consent. I applied for an extension of credit in good faith with the company : XXXX XXXX XXXX, XXXX ID # XXXX, and was denied. EQUIFAX XXXX XXXX XXXX and their practices has caused me serious harm and emotional distress as a consumer looking to obtain essential goods to provide for my family and well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX ( XXXX )
Product: Credit card or prepaid card

XX/XX/XXXX scheduled a payment for XXXX dollars to be taken from my account and applied to the balance XX/XX/XXXX. They didnt try and take the money from my account until the XXXX so the bill got marked as late and hit my credit score. 

XX/XX/XXXX i scheduled the payment for the XXXX. This time they credited my account the XXXX and let me spend it ( paying a medical bill ) without removing the funds from my bank account. Then on the XXXX tried to take the money from my account, which was not there because i had assumed that since the cards balance was restored the money had been removed. SO they tacked that XXXX on top of what the balance already was and pinged my credit score yet again. 

On XXXX first, i scheduled a payment for the minimum balance amount of XXXX, it was promptly taken the next morning from my bank account for the date i had scheduled the payment which was the second. 

I called them Wednesday the XXXX to try and figure anything out with them by talking to a supervisor about the situation, all he could do was blame me for it and say it was my fault, which technically it is. BUT when you schedule a payment you expect that payment to go through when it is scheduled, not almost a week later. Very shady practices to get their late fees, and over limit fees and everything else added on to screw me over and ruin my credit score at a crucial moment in my life when I am looking to buy a house for my family here in vermont. I have never had this issue with any other company i have ever paid bills with. The funds are at least put on hold immediately when the bill is scheduled for payment not just left there floating. 

Shady business practices if you ask me and now i have to work another 6 months to get the 80 or so points they knocked off of my credit score and i am EXTREMELY unhappy about it, and their customer service. The guy was basically yelling at me on the phone.
Product: Student loan

I faxed in several copies of my XXXX orders and a written statement to any/all fax numbers I could find, and sent letters to addresses listen on Navient 's website requesting that they retroactively apply the 6 % interest against my account according to the Service Members Civil Relief Act, which they along with XXXX XXXX ( the original lender ) stated that student loans do NOT fall under SCRA protection. I never got a response back in any form. There should have at least been a check issued because the accounts were paid in full at a higher interest rate than the SCRA limit. 

Also, after learning Navient was now servicing my accounts, XXXX XXXX never gave me notifcation of any new account information, just a simple webpage that stated they no longer service the account. Navient states that I do not have an account with them at all. XXXX XXXX was the servicing lender when the accounts were paid in full, now I no longer have a history that they were automatically keeping a history on.
Product: Credit reporting or other personal consumer reports

I financed a car and I was never late and it was totaled out and paid off I sent out letters from the company stating it was paid of bits its reflected late and its destroying my credit I request you update that the car was paid and never or delete it from my credit report thanks XXXX attaching the letter stating car was paid off
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies I have identified on my credit report. Upon thorough review, I found accounts listed that I do not recognize or believe to be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out in XXXX via USPS certified mail to let the company know how them publishing incorrect information on my consumer report had adversely affected my life and made requests for them to remove the incorrect information and also acknowledge the damage the incorrect information had caused my family and I
Product: Credit card

My Discover Card was used fraudulently. I reported the charge I did not recognize. Seven days later I received a message that my new card had been mailed, however the address was incorrect. I called Discover and they informed me that someone had changed the address within the seven days since the fraudulent charge. Why was someone allowed access to change an address during a fraud dispute? Why was the card mailed without my verification of the correct address? In addition, when I called Discover their Customer Service did n't seem to verify my identity and a Fraud Specialist by the name of XXXX offered to reset my online password. A human accepts my password?? I did n't reset it. It seems that Discover has serious flaws in their security procedures. As usual with large institutions, the public can not speak to an executive. I am not asking for any action specific to my issue. I just want someone from CFPB to inform Discover that their security procedures need a strong review.
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 or 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 or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records Please block/remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX,, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I will attach documents proving this dispute below. XXXX XXXX ran my credit without my permission. A service guy came to my house and asked if I wanted a quick approval for house work and asked me questions about what I needed done and my identity but never told me my credit would be ran or by which company. I have been trying to fight XXXX XXXX  ( inquiry XX/XX/XXXX ) for over a year now with letters to them as well as to the credit bureaus with recent dates of a last attempt on XX/XX/XXXX. My last & only letter from XXXX XXXX was on XX/XX/XXXX. The bureaus have taken no time to ask & gather evidence from this company no matter how many attempts Ive made with them in requesting their findings. XXXX XXXX XXXX XXXX ( inquiry XX/XX/XXXX ) has been the same issue. I wrote them and got no answer. I called and wrote the bureaus explaining this and they still have refused to remove them from my reports.
Product: Credit reporting or other personal consumer reports

I hope this message reaches you promptly. I am writing to express my continued concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite multiple attempts to address this matter, the fraudulent items persist, causing significant distress and financial hardship. 

Given the urgency of the situation, I urgently request the following actions be taken : Immediate and Thorough Review : Conduct an expedited and comprehensive review of the fraudulent activities associated with my account to facilitate the swift removal of all unauthorized items and transactions. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to resolve this issue. 

Preventive Measures Implementation : Implement additional preventive measures on my account immediately to mitigate the risk of future unauthorized access or activities. 

Compensation Consideration : Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in your services. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit card

I've had the Capital One XXXX card for a year and a half now, and it's been my go-to for daily purchases. However, I've been stuck with the initial {$500.00} credit limit. Ive had to pay off my balance multiple times each month just to reuse the same small credit line. Despite requesting a credit limit increase, Ive only been bumped up to {$1500.00} one day ago, which still isnt sufficient for my monthly spending needs. 

With a credit score of over XXXX, no late payments, and a strong relationship with Capital One, I believe my credit line should better reflect my spending habitsideally, something closer to {$8000.00}. If this can not be accommodated, I ask Capital One to close this account.
Product: Checking or savings account

My job direct deposited my check from working and I'm not able to take any money out. My job has deposited it on XXXX of XXXX and it's now the XXXX and still no money I have bills that are needed to be paid in a timely manner please help fix this problem
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX {$7500.00} XXXX. XXXX XXXX {$24000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my credit report and noticed there are numerous student loan accounts. I should only have XXXX is the only servicer of my student loans. I have XXXX student loans on my credit report that is reporting inaccurate information. They are saying that the account was delinquent back in XXXX but have no info on the report from when it was open. The accounts were open in XXXX but did not start reporting any info until mid XXXX. I have asked for this matter to be addressed. Transunion, XXXX nor XXXX has addressed this matter. I have disputed the info numerous times and only 1 account was removed from XXXX. All of the accounts associated with the Dept of XXXX should be removed immediately. It's showing late payments on my credit report and that the account has been transferred to now XXXX. The information on the report is inaccurate. The accounts were delinquent from XXXX to mid XXXX. The accounts are 7.5 years old and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX NEGATIVE MONTHS Account info Account number XXXX Date opened XX/XX/2018 Believe I was a victim of the XXXX data breach this information belongs to someone else I've made many attempts to try to resolve this issue and have this fraudulent account removed off my credit reports please assist me in removing this illegal item
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my wallet and identity were stolen. I immediately file claims with financial institutions affected and as well as all other accounts I have. I obtained a new driver 's license and filed an online police report. I continued and continue to have new inquiries on my credit report even though I have placed a lock on my credit. Somehow the thief continues to be able to have access to my credit. Unknown.
Product: Checking or savings account

I have been trying to get chime to close my account for over a month now. This started back at the end of XXXX first part of XXXX. I have sent all documents that they have asked for. My united states passport, my phone bill with my number on it, my proof of address, my social security card and even my picture, several times. I can not get them to close my account which has about XXXX dollars in it. I'm hoping you can help because the better business bureau hasn't been able to. They are the ones that told me I should file a complaint with you. It is not this hard with any bank I have ever dealt with. I know chime has had a ton of complaints against them. Please help.
Product: Mortgage

XXXX states Ocwen changed my last name. 

This is a flagrant and gross action by Ocwen. 

XXXX will correct the error but this must be made public record for other consumers.