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

I contacted XXXX XXXX, Mortgage Loan Officer ( XXXX XXXX XXXX ) at Truist Bank, to explore mortgage options. During our communications, I explicitly emphasizedboth verbally and in writingthat no hard inquiry should be performed on my credit report without my clear and direct consent. XXXX XXXX acknowledged this request in writing and agreed to proceed accordingly. 

However, despite this agreement, I discovered that XXXX XXXX performed a hard credit pull without my authorization. This unauthorized action has negatively impacted my credit score. 

After the unauthorized inquiry, XXXX XXXX became unresponsive. When I eventually reached him, he informed me that I could not proceed with a mortgage due to my visa status. He offered no apology or support and has ignored all further communication attempts. 

Desired resolution : Removal of the unauthorized hard inquiry from my credit report to restore my credit score. 

A formal apology from XXXX XXXX and/or Truist Bank for the unauthorized action and subsequent lack of communication. 

Review and enforcement of internal procedures at Truist Bank to ensure mortgage officers honor written agreements and obtain proper consent before accessing client credit reports. 

I appreciate the CFPB 's assistance in resolving this matter and ensuring that such unauthorized actions are addressed appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all I had a credit score in 2020 and at that time I was definitely not applying for credit or having any credit lines open or anything like that now all the sudden a year later I have no credit score whatsoever in any credit bureaus they tell me that I have two accounts opened under my social then they say they didnt I have sent my ID my social and letters verifying my identity and I made a report in the last report came back that they had no customer that matched that name like something about a third-party authorization I am making this complaint XXXX XXXX no one else is making this complaint for me this company is really affecting me during a pandemic every time I apply for something I cant get it and it always goes back to XXXX  yesterday I applied for a bad creditNo credit loan and it comes back I have no credit report that is crazy when I pay for credit monitoring every month for {$20.00} they send me all type of alerts that they dont know where they came from they said they never help me fix anything on my credit report they have fraudulent accounts open after Ive already sent them police reports and they also have inquiries with the wrong phone numbers beside the name of the business now INo theres not that many people going through all this kind of craziness this is absolutely harassment and I want it to stop they are affecting me and my children for no reason I want a credit score I want all the inquiries off of my credit report or not mine and I want them to stop telling things that I applied for the wrong information about me and then Im also hearing they have me reported dead so I have no clue whats going on but they need to get it together because I am going to call the state attorneys office next or something news channel I have no clue what to do but this is not fair when we have a fair Reportingcredit act Thank you for your time
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of specific accounts from my credit report, as I am a victim of a data breach in which my personal information was compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I respectfully request that these fraudulent accounts be permanently blocked and deleted from my credit file. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$710.00} XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$760.00} XXXX - XXXX XXXX XX/XX/XXXX - {$00.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the three major credit bureaus, Experian, XXXX, or XXXX, maintains a wrong record of my date of birth. 
The wrong data of my identification made me being rejected in many situations. 

As a real case happened in XXXX, I was unable to get Internet service from XXXX. 
I first applied via phone calls, all agents failed, and suggested me to go to a solid store in person. I did so, but failed again. My problem was escalated a couple levels in my 3 hours waiting there. Even the store manager keyed in his own privileged code trying to surpass the blockage, their system wouldn't let him overwrite the mismatch between birth year XXXX on driving license vs. birth year XXXX from credit report. I asked which one of the 3 major credit companies provided that wrong data? The store manager replied it was confidential, they were not allowed to reveal it. 

I understand that your organization advises us to first try contacting directly involved company for resolution. 
But in my case, I really dont know which company to file complaint with. 

I wish you would be willing to offer help to me. 
Any help from you shall be highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX Account # : XXXX
Product: Checking or savings account

I created a XXXX account and I am having trouble linking my PNC bank account to the XXXX XXXX ( on Mobile and on Desktop ). The message that keeps coming up is saying " PNC has made a change that prevents me from being able to link my accounts. ), but I called PNC bank and they said everything is good to go and that I should be able to link to XXXX XXXX. Also, I've been trying to link for over 10 days now. Please get back to me
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Subject : Concerns Regarding Investigation Practices Dear Experian/CFPB, I am writing to express my concern regarding the recent lawsuit filed by the Consumer Financial Protection Bureau XXXX CFPB ) against Experian on XX/XX/year>. The allegations presented in this lawsuit raise significant issues regarding how consumer disputes are handled by your agency. 

According to the CFPB, it is alleged that Experian failed to conduct proper investigations into consumer disputes and instead conducted what they describe as " sham investigations. '' It is particularly troubling that the lawsuit accuses Experian of re-inserting inaccurate information into consumer credit reports and relying excessively on furnishers ' XXXX XXXX Dispute XXXX ( XXXX ) responses, even when there was reason to doubt the reliability of those furnishers. 

As a consumer, I rely on accurate credit reporting and fair investigation processes. These practices raise serious concerns about the integrity of information that is reported and the measures taken to protect consumer rights. 

I kindly request that you provide clarification on how Experian intends to address these allegations and what steps are being taken to improve the investigation process for consumer disputes. Transparency in this matter is essential to restoring confidence in your practices and ensuring that consumers are treated fairly. Accounts that I have disputed several times with Experian, that were inaccurate and/or identity theft were never removed or reported correctly. I am requesting that the below listed accounts are removed from my credit report. 

XXXX. SYSTEM, XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account number XXXX Thank you for your attention to this important issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Western Union short changed me when sending money to XXXX. Their exchange rate is much less than the actual exchange rate. This hidden fee is dishonest and theft.
Product: Money transfer, virtual currency, or money service

Because my PayPal account, became permenantly limited, I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business. 
BUSINESS NAME : XXXX XXXX  DESCRIPTION : digital selling, or online lessons.
Product: Debt collection

Navient keeps calling me everyday. I had to look them up to find out what they were. I told the person I have no student loans. I confirmed my name. He insisted that I give them my social security number over the phone ... .I WILL NOT DO THAT! I even asked them to tell me my last four digits to confirm them ... .he refused. He will not take me off their list. I asked for a supervisor, he says he tried but they are all busy. I bet they are! 
He mentioned a university or college I have NEVER heard of ... that did not phase him. He mentioned an address supposedly for me that I have NEVER heard of ... that did not phase him either. 
If they are legitimate, why are they operating this way? I said send me a letter stating what you want because I am not giving out any information over the phone ... no response to that. 
I will say this also happened a few years ago, I asked them to stop and after a long while they finally did. But they have started up again. Any student loans I had were paid off long ago -- a fact that is verified on my credit report. 
I want this company to stop harassing me and all other innocent people!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair edit report act : XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX / XXXX account # XXXX has violated my rights. I don not know these companies. 

15 U.S.C 1681 SECTION 602A. 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

Dear Transunion, I checked my personal credit report, which I acquired from your company on XXXX of XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  XXXX XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. Very XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to XXXX XXXX XXXX incorrectly reporting my payment status for 8 months I had a higher credit score. After filing a complaint with CFPB I finally got the negative report corrected but my credit score never went back up. My score continues to be low despite the correction. I have called all three credit reporting agencies but to no avail.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third-party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it 23 was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. I Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent. Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account from  XXXX   XXXX  on my Equifax credit report was disputed and removed on  XXXX   XXXX ,   XXXX   and in checking my report today it has reappeared as  XXXX   XXXX   XXXX . Cancel, and reported again on  XXXX   XXXX ,   XXXX   and the amount is now higher than the original {$140.00} balance, the balance is now {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit card or prepaid card

The Chase Sapphire Rewards credit card is a premium product that charges a {$550.00} annual fee. One of the benefits it offers is a Collision Damage Waiver for rental cars. Chase manages claims under this benefit through a website, XXXX XXXX XXXX. Upon submitting documentation of a claim, customers receive an email from XXXX stating that " your examiner will review documentation within XXXX business days. '' My experience below suggests this timeframe is misleading. 

On XXXX XXXX, I returned a rental car with a small scratch and was charged approx. {$300.00} to my Chase Sapphire Rewards card. After confirming with Chase that the incident would be covered under the Collision Damage Waiver, I requested reimbursement via XXXX on XXXX XXXX On XXXX XXXX, XXXX requested more documentation ( such as a copy of my credit-card billing statement ), which I provided on XXXX XXXX. 

On XXXX XXXX, XXXX requested a document that I had already provided on XXXX XXXX ( an " itemized estimate of repair '' ). 

I re-uploaded this document on XXXX XXXX with the file name " XXXX, '' along with a written explanation of my claim. 

Since then, I have received no formal updates, and my claim has not been paid. It is now XX/XX/XXXX - XXXX weeks after the last documentation was submitted. I've had to pay the cost of the damage out of my own savings. XXXX 's customer-service representatives have confirmed by phone that they have all the documentation needed and have attributed the processing delay to a supposed surge in claims related to the pandemic.
Product: Debt collection

I did not know I owed XXXX XXXX XXXX ambulance service. I never got a bill. I discovered it on my insurance site ( XXXX ). I started getting calls from Data Max. I thought Data Max was a scam, never heard of it. Messages just said Debt Collector, not naming debtor. I agreed to make payments of {$50.00} Dollars for 5 months, and I made all payments, total {$250.00}. I have cancelled checks paid by bank. This agreement was made with the debtor. I have cancelled checks, and the actual bill of XXXX I can send you. I want it off my CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15. U.S.C 1681 section 602 A. states I have the right to privacy.

15. U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

P.s, To whom it may concern I was never once notified in writing by XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/2025 Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Acy and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently. The Consumer Financial Protection Bureau filed a lawsuit against Equifax for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. 
These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute maybe mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Paid off debt on XXXX {$4400.00} capital one and they are still have not update my payment this has credit a negative report on my credit
Product: Credit reporting or other personal consumer reports

XXXX and Experian are reporting inaccurate information on my personal credit reports to others. I have filed CFPB complaint and the FTC reports which I have provided to them more then twice. They still are reporting fraudulent XXXX accounts on my reports despite me giving all information contrary to their claims. 

I have called, mailed, uploaded all pertinent documents and requested information at twice over past 45 days. I have called multiple times to verify their receipt of request to delete block and remove all inaccurate information with regards to the XXXX XXXX XXXX XXXX accounts. 

I have had inquiries on my credit reports allowed even though I have credit freeze and locks on my credit reports.

I need to have them follow the rules and laws of procedures regarding my credit reports account accuracies. I need help with this as they keep telling me they do not have my FTC reports or CFPB reports supporting my disputes.