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

I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter the fourth attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX Balance : {$950.00} ; XXXX XXXXXX/XX/year> ; XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my credit information corrected because it is inaccurate, in accordance with the Fair Credit Reporting Act. The information listed below is incorrect, and is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX ( XXXX ), XXXX XXXX acct # XXXX. 602 A. States I have the right to privacy. 15 U.S. Code 1681, Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I gave no one written instructions to release my private information. 15 U.S.C. 1681c-2 ( A ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of these items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. All of this information reported on my credit report is inaccurate, and I can't believe that the credit bureaus are allowing this to be reported and damage my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : U S DEPT OF EDXXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

XXXX and Transunion has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed
Product: Checking or savings account

My father school gave him a check to deposit but he could not deposit it because he is XXXX I placed the check inside of my bank account The school cleared the check and now Citibank is blocking my account My father is XXXX and he can not move so he takes online classes They want him to come to the branch but he can not move I told Citibank to give me back the check and I will give it back to him But they have already cashed it The school can not issue out another check because Citibank has stole the money which is illegal I spoke with a representative named XXXX with ID number XXXX and XXXX from the risk management department in Maryland I said I just want my fathers check back and to close the account They refused to give it back so I had to file this complaint
Product: Payday loan, title loan, personal loan, or advance loan

My credit report shows that there was some kind of personal loan taken out in my name on XXXX, XXXX XXXX from a lender named XXXX XXXX XXXX for {$3900.00} I have tried to call this place several times to let them know I was a victim of identity theft just the year before ( XXXX ) that this loan was taken out in my name. And that it is not mine! And I have no idea why this is on my credit. But they have sent it to another agency of some sort that I assume is a third party collection agency called XXXX XXXX XXXX. Ive also tried speaking with this third party collection agency and they fail to remove this from my credit.
Product: Bank account or service

I must required XXXX filed XXXX charging complaint against Bank of America in worst unresolved of overdraft, checking, debit, and credit card into their discrimination issues as they made unresolved of my appearances and they do not like me, too escalated much! They do not welcome me remain with debit, checking, and other banking services until move out of state. At worst unresolved complaint - I am not happy with Bank of America people in XXXX, OR at XXXX in downtown, In addition, they do not interest in my appearances and others in their discrimination reasons are all unresolved problems. I escalated complained against Bank of America are all unresolved problem. They made their responsibility hatred against all my appearances must be recorded to U.S. Senators and Speaker XXXX XXXX in enforced cooperation addresses to XXXX for more excessive orders!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

Account Holder Very Concerned, the Union Bank Mal-Purposefully Tweaking, the Account Holder 's Credit Card Payment Schedule, to Wait Until the Account Balance Exhausted, Conducting the Bill Payment, and Incurring Un-Reasonable NSF Fees. 

( Mal-Intentionally NSF Fee Charging, the Account Holder. ) Problem Bank : Union Bank. 
www.unionbank.com -- Account Holder : XXXX.XXXX. ( SS # : XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit report, I noticed hard inquiries from companies that were not authorized to check my credit. Listed below are the dates and names of companies that checked my credit without authorization. 

XX/XX/2019 : XXXX XXXX XXXX XX/XX/2019 : XXXX XXXX XXXX XXXX XXXX XXXX  Capital One Auto Finances
Product: Credit reporting or other personal consumer reports

my rights have been violated 1666b timing of payments,
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX on this afternoon regarding the information on my credit report. I had a bad history with the financial institution but paid off a past due credit card in addition to a closed checking account as of recent. They allowed me to open not only a new checking account but also a business checking account. My credit score with XXXX is a over XXXX, with Equifax my score was nearly XXXX & my XXXX score is almost XXXX. On today, XXXX XXXX reported negative & inaccurate information which dropped my Equifax score nearly XXXX points, I was told by them to contact Equifax & they were no help either. I want this paid tradeline removed from my report altogether because its been showing derogatory on my report since the account was paid in full back in XXXX XXXX is also negatively reporting a hard inquiry on my credit for an auto loan pre approval that shouldnt have been a hard pull, I received an email back saying that they wouldnt update the information. If this keeps up then I may need to contact my attorney to get this information deleted from my reports
Product: Credit reporting or other personal consumer reports

After their investigation XXXX XXXX XXXX XXXX, the date they said it will be removed is XX/XX/year>. According to the Fair Credit Reporting Act 15 U.S.C. 1681c, negative information can stay on your credit report for seven years from the date of the event, missed payment or default. This been on my credit over eight years. Experian said date opened is XXXX XXXX. XXXX would be 15 years.
Product: Debt collection

On or about XX/XX/2018, I received a phone call from Credit Collections USA about a debt for XXXX. I requested information about the alleged debt and was told I needed to pay. I again requested information and their representative requested my social security number. I refused to provide that information. She stated they would mail me a statement, I never received one. Then I received an alert on my credit report and it was for Credit Collections USA. I called the telephone number listed and verbally requested information about the account, the representative again did not provide any information. I asked if I needed an attorney and she stated they could not talk to me since I had an attorney. On or about XX/XX/2018, I sent them a letter stating I had no attorney and would like information about this account. On or about XX/XX/2018, I sent them a letter requesting validation and did not receive anything. I again sent them a letter requesting validation and received a copy of a copy of a bill from company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. The credit bureau is refusing to remove two bankruptcies from my credit report that are not my accounts. I have never submitted nor filed for bankruptcy in my life. I am XXXX years old and I've been dealing with credit for a very long time. A recurring issue I've had to fight with the credit bureau about is that they will report other persons' accounts on my credit that are not mine. This has happened to me before and is the exact same situation that is happening with these two bankruptcy accounts. The first one has a filing date of XX/XX/XXXX with reference #XXXX The second one has a filing date ofXX/XX/XXXX with reference #XXXX
Product: Credit card

XX/XX/year>, ( last four # XXXX ) USAA has Charge me a balance transfer fee of {$64.00} & a Cash Advance free of {$69.00}, for the same transaction, double dipping. I didnot have Cash Advance. Also, the same charges XX/XX/year> were applied to my account. Fees of {$64.00} & {$70.00}, they are charging me twice for the transaction. I want action taken against USAA. This practice is DOUBLE DIPPING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by a store manager that if I wanted a Victoria Secret credit card that there would be no hard pull. I was told that there would only be a soft pull. The customer standing next to me at the next register was told the exact same thing - and it was a lie. 
This has hurt me a may be causal to a subsequent denial of credit a few days later. 
Had I not relied on what the store manager told me I would not have applied for the card. 
I was given no contract nor asked to sign any agreement. All I needed to do was prove my identity. 
Relying on the lie that the store 's agent told me resulted in a monetary injury to me. And I feel victimized and wonder who, in the future, I can trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX : {$720.00} ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

Was purchasing XXXX XXXX Tickets from a XXXX XXXX XXXX on XXXX we discussed for about 30 minutes. She was transferring the tickets to my XXXX, I sent her {$100.00}, {$100.00} after fees to her PayPal at XXXX. As soon as I sent, she blocked me on XXXX and messenger, and never sent the tickets. I am attempting to get my money back as I was scammed and did not get my tickets.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting XXXX separate conflicting accounts on my XXXX, Equifax, and XXXX credit reports. One of the accounts is showing as in " good standing '' and " Paid or paying as agreed. '' The other account is reporting as " Paid account/was delinquent 90 days past due date. '' On XX/XX/2023, at XXXX XXXX EST, I called XXXX  on the phone number listed on my credit reports for both XXXX accounts, ( XXXX ) XXXX. The customer service representative confirmed that XXXX is unable to verify that a second negative account exist under my SSN and name, and that the only account they have in their system for me is paid as agreed and in good standing with no missed payments. The customer service representative then tried to transfer me to their " charge off '' department whom was also unable to verify the existence of a negative account in my name using my SSN. I reiterated to the customer service representative that I have two accounts reporting on my credit reports with severely conflicting information. The customer service representative advised me to dispute the second negative account reported to my credit reports. I have disputed the negative XXXX  account in the past with XXXX, XXXX, and Equifax, but XXXX has verified the information with the credit bureaus as accurate. How can XXXX possibly verify an account that they claim to have no record of? XXXX, XXXX, Equifax, and XXXX are violating my FCRA rights by reporting inaccurate financial information on my credit report, not notifying me of a negative account in my name, and failing to provide information regarding the negative information on my credit reports when I requested this information directly from XXXX. I want this account removed from my XXXX, XXXX, and Equifax credit reports immediately. I have attached a copy of my credit reports with both XXXX  accounts listed.
Product: Debt collection

Convergent outsourcing reported collection supposedly from XXXX on my credit report for the amount of {$2200.00} ... I contacted the collector who stated they " just '' purchased this debt from XXXX with whom I never had service with .... but after requesting validation for debt from convergent purchase date stated on their statement from XXXX showed XX/XX/2016 I contacted XXXX who had NO information to provide and NO accounts under my social. Again, convergent harassed me with calls to my cell work and my parents where I just agreed to pay the settlemetn amount just to make them go away and they agreed to delete this erroneous collection from my report. Now 2 months after I paid what I didn't owe in first place and never received a collection letter from convergent they are STILL reporting this on my report and bureaus are stating they " validated '' this collection so they will not remove ... please help this is unlawful ...
Product: Checking or savings account

This complaint is also under my maiden at the bank. My maiden name XXXX XXXXXXXX On XX/XX/XXXX of 2020, I had made a purchase using my debit card that was through simple mobile banking who was taken over by BBVA then taken over by PNC. We had to postpone our stay multiple times due to covid. At the last minute our host cancelled. on XX/XX/XXXX, XXXX issued a refund to the original card/bank that was inactive. I informed XXXX immediately that the card was inactive and they continued to issue the refund and told me I need to contact the bank. I contacted PNC bank about this issue and they told me I would not receive the funds due to the multiple switch of banks accounts and could not research the transaction because it was originally purchased through simple mobile banking. They also stated that they could not provide written documents to XXXX. I have tried to resolve this issue with both XXXX  and PNC bank on MULTIPLE occasions. XXXX specialty team will/would only talk through a chat about this issue once I escalated it. The XXXX number that was provided from XXXX is XXXX. I provided that number to the bank and they stated they can not look it up.
Product: Checking or savings account

My wife and I recently opened a joint checking account at Ally Bank and we've both had fraudulent charges on our debit cards ( with different account numbers ) that we've only used for ATM transactions, and we've now also had fraudulent charges on the replacement debit cards that were sent. Ally claims these charges are due to a Mastercard cybersecurity breach that occurred approximately one year ago, but their claim makes no sense as our accounts and debit cards are recent. 

There are numerous recent reports across social media of fraudulent charges on Ally customer debit cards. See, XXXX XXXX XXXX XXXXAllyBank/. I hereby request that the CFPB investigate this matter to determine whether Ally 's cybersecurity is at fault, and, if so, direct Ally to remedy the situation as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please comply with my request to remove the information from my credit report.
Product: Credit reporting or other personal consumer reports

This is my several endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion credit services about unauthorized credit inquiries on my transunion report and they did nothing, told me I have to get a letter from the companies to remove it, the inquiries are fraudulent, it make no sense, there is no protection for consumers, these companies do as they want and get away with it, there is no oversite of these credit agencies. 

here are the fraudulent inquiries on my report with transunion XX/XX/2019 from XXXX XXXX XXXX XX/XX/2019 from XXXX  XX/XX/2019 from XXXX  XXXX XX/XX/2019 XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # 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 : it 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