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

My account was locked Some how its was open when I never opened it someone run my credit and put a hard inquiry on credit reports
Product: Debt collection

this company is destroying my credit with negative reports and the statue of limitation has run out, please remove from my report, company was paid over 7 years agao
Product: Credit reporting or other personal consumer reports

These questions have nothing to do with me and were not asked with my consent. I would like their removal to be immediately updated on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  is reporting late payments to a closed account, also they are reporting different amounts owed on all bureaus and late payments /amounts because of this incorrect reporting I was denied credit, and under the fair credit reporting acting, there must be accurate information..
Product: Debt collection

I was receiving daily calls during work hours. I finally had free time so I called them back. They stated I owed around {$1200.00} for a payday loan and that they already had a garnishment ready to be served. They said that the payday loan is from XXXX, but they had a bank and employer listed that I stopped working for before XXXX. They offered a settlement offer of {$1000.00}. I was unable to pay that amount. They offered 12 bi-weekly payments of {$170.00}. I asked for in writing, in an email. They denied my request and threatened to " just go ahead and have you and your employer served ''. I asked if the call is being recorded and she said yes. She also told me that if I didn't agree, then my debt would go up by {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  twice on incorrect credit reporting for my credit report. My mortgage statements are correct but are totally different than what is reported on my credit report monthly. I was given a {$14000.00} grant inwhich i am not responsible for paying and they are reporting to the credit bureaus as apart of my principal balance and giving me a monthly balance increase. I have attached what my authorized mortgage company reported, versus what XXXX is now reporting.
Product: Debt collection

Hello, how are you going to send me a medical bill if my son has XXXX and has XXXX what bill are you going to charge me, XXXX covers everything.
Product: Debt collection

I was robbed at gun point in XXXX. Ever since then, different student loans, credit cards, and car loans have been showing up on my credit. I have never applied for a fortiva credit card. I have called and tried to get this information off my credit but all I get is the account is mine and I DON'T UNDERSTAND HOW.
Product: Credit reporting or other personal consumer reports

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES XXXX ONEMAIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last XXXX  months or the last XXXX years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have XXXX  days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within XXXX  days of completion of your re-investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX once again, and I am submitting this CFPB complaint one more time to dispute specified remaining inquiries in my file resulting from the crime. Once more the inquiries I am disputing do not relate to any transactions procuring any possession of goods, services or money that I have made or authorized. I will repeat that these inquiries are unknown to me. Also, the information provided by the XXXX and Equifax Bureaus on these inquiries were already DELETED from my XXXX Credit Report and I have doubts in the reporting accuracy shown in my XXXX and Equifax Credit Reports, and the history on some inquiries are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I kindly request the XXXX and Equifax XXXX to fully remove these inquiries in my credit file, listed below : XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

My credit card companies are letting scammers keep my money due to it was past 60 days to report these issues. 

Capital One : dispute # XXXX {$1900.00} private deal flow original purchaseXXXX  dispute # XXXX {$7400.00} response.com real estate inv. training XX/XX/XXXX dispute # XXXX {$7400.00} double billing I didnt receive credit for XX/XX/XXXX dispute # XXXX {$1900.00} weekly cash clock, XXXX XXXX XX/XX/XXXX dispute # money map press {$2500.00} XXXX XXXX XX/XX/XXXX no dispute number dispute # XXXX {$8500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX dispute # XXXX {$1400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Bank : dispute # XXXX {$4000.00} XXXX XXXX  XX/XX/XXXX dispute # XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX dispute # XXXX {$1900.00} XXXX partners I dont remember the date but I think it was in XX/XX/XXXX?
Product: Checking or savings account

Hello, My name is XXXX XXXX. I am XXXX-year-old XXXX person. 
On XX/XX/2019 the XXXX XXXX  customers were transferred to the People 's United Bank. I had a free checking in the XXXX XXXX  and as an elderly person should have a free checking in the People 's United Bank too. On XX/XX/2019 I notices {$3.00} charge as service fee from my free checking. I wrote a message to the customer service of said bank and they said that every time when I use my debit card to pay bills online they will charge {$3.00} service fee for each transaction. Why should they charge any fees for debit card payments? Please see their answer to my email as following : Thank you for contacting us. In response to your inquiry, there is a {$3.00} fee for each Network Bill payment processed against your account. This appears in your account history as a NTWK BILL PYMT DB and was debited on XX/XX/2019 for {$38.00} from XXXX. 
Network Bill Payment is used by merchants when you have provided them with your XXXX card number for payments. 
You may wish to speak to the merchant directly in regard to how they process payments.

Although you are qualifying for free checking, ( this only waives the {$10.00} monthly maintenance fee on your Plus Checking account. It does not waive these types of fees. 
To avoid this fee, you may consider converting your account to an Advantage Plus Checking account. You would also avoid this fee if you make your payment via Peoples.com Online Banking. 
I am sorry, but because this fee is valid, I am unable to submit a refund. If you have any further questions, please let us know or contact us at XXXX. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Here are the accounts I would like removed : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Money transfer, virtual currency, or money service

Every time I try to add a new app to my bank account it blocks me saying td bank in blocking you from opening any accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I summited a complaint with the CFPB about TransUnion XXXX is the number for the referenced complaint. They have removed most items but there are some items on my consumer report identified by me as fraud that still remain and they need to remove them. XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXX, and XXXX are the items that have been identified as fraud on my report and need to be removed.
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 XXXX XXXX XXXX XXXX XXXX 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

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Card has not been updated since XX/XX/2019 this account has been paid off since XX/XX/2019 XXXX
Product: Debt collection

I am a victim of identity theft and fraud in credit card schemes ( unauthorized opening of credit cards ). I wrote the CFPB previously in XXXX and XXXX regarding my identity being stolen and credit cards opened in my name. I had also informed the original companies of the credit card issuers before they sold the account. The following debt collector companies ( who I do not know and have never had any financial agreements ) have also placed on my credit report that I opened recent accounts with them, as early as XXXX. This is not true. They have knowingly placed false information on report. I disputed these companies in XXXX and XXXX and they continue to illegally and unethically place new " open '' accounts on my credit report. I have asked Transunion, XXXX, and XXXX, in XXXX, XXXX, and in XXXX ( by electronic dispute and over the phone dispute ) to remove the accounts from my credit report and had informed them of my identity theft. I also told them that I had no knowledge of the companies. And no affiliations of the companies. I asked that they note this on my credit report. I had also previously signed up with all 3 credit reporting agencies in blocking future credit inquiries, however, the companies have now unblocked my accounts and have allowed unauthorized credit inquiries and statements on my report. I am requesting that Transunion, XXXX, and XXXX remove the following companies from my credit report due to identity theft and unethical practices of placing false information on my report. Please remove : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received letter dated XX/XX/XXXX regarding debt. 
XX/XX/XXXX - Mailed letter back asked for evidence the debt was already taken into consideration both medical insurances.XXXX - XXXX left someone else a message about the debt I owed. The message said " If your not XXXX hang up '' but no message should have been left about an attempt to collect a debt. 
XX/XX/XXXX - the person left a message for XXXX that it was not allowed for this type of message to be left. 
XX/XX/XXXX - XXXX called this person back. The person explained he can not contact them again and should never be leaving a message that he is attempting to collect someone else 's debt on voicemail. 
XX/XX/XXXX - Date on letter was XX/XX/XXXX ( this one marked confidential ) stating XXXX was unsure if insurance was used and to send additional details to research. 
XX/XX/XXXX - Date on letter was XX/XX/XXXX ( again marked confidential but first letter was not ) and provided evidence both insurance were used. The detail provided also indicates HIPPA information of " basic life support emergent and ground mileage '' XXXX - Debt was paid online with reference # XXXX
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 items 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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking 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
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion I'm writing you as I have been very ill with XXXX and still not doing so well I'm writing in regards to my info on your site as it shows two accounts from the same company XXXX XXXX, one shows for the amount of XXXX and one for XXXX both accounts shows open but closed at the same time, confusing, yet there is no info on either concerning the matter. 
FYI : I have no open accounts with who ever this is and more importantly according to the new rules and guide lines as I have read about from Washington no account is supposed to stay on a report longer than 4 years. 
I know you're busy and I too trying to stay alive. This needs to be corrected.+
Product: Checking or savings account

On XX/XX/22 I had withdrawn {$290.00} from my Middle Class Tax Refund debit card at XXXX so that I could deposit that money into my US Bank account for XXXX presents for my XXXX year old daughter and also pay my PG & E bill. I went to the ATM US Bank branch on XXXX XXXX in XXXX, Ca at XXXX. Once I deposited the {$290.00} I saw a please wait pop up on the screen which lasted for over a minute so naturally I wonder whats taking so long. Then the machine dispenses a receipt which states AID XXXX A machine error has occurred and we are unable to to credit your account or return some of the items you attempted to deposit. Please contact ( XXXX ) XXXX so we can assist in the return of these items. 

You will need to keep this receipt, as it contains valuable information needed to assist in the return of your deposited items. We apologize for the inconvenience. 

I immediately panicked and saw that there was no record on the receipt or my banking app on my phone of the deposit that I just made. I took my daughter and went into the branch to talk to the Teller and Manager and was crying because XXXX cant believe this just happened. The teller helped me do a claim over the phone so they can do an investigation and he told me there is nothing else that they can do to help. He also mentioned that it can take 10-45 business days before this issue is resolved. I said I need my money today, I cant just wait that long with XXXX coming up and bills needing to be paid. He said Well, have you thought of opening a credit card with us so that you dont have to go through something like this again and wait? I said are you kidding me?! This is the solution you have to the machine eating my money and not having any evidence besides camera footage, the receipt of the excuse and when they do end up counting the money in the ATM machine once a month. They are taking very little accountability for this error. The machine is obviously defected and in no way shape or form should be allowed to be open to the public. This has been one of the worst experiences Ive ever had due to the fact that my daughter was with me, its right before XXXX and they say there is nothing else they can do besides expedite the claim. No one should ever have to go through something like this. We trust banks to deposit and hold our money for us correctly. I have been let down by US Bank and this location XXXX XXXX in the XXXX XXXX XXXXr in XXXX, Ca. It does feel like XXXX at their mercy because of my financial state and I will be closing my account with US Bank once I get my money back and they are done with the investigation.
Product: Debt collection

Wages garnished without receiving anything until the time to file an exemption had expired they never notified me of the lawsuit no one thinks about a debt from XXXX
Product: Checking or savings account

I have a couple disputes with my account ending XXXX with wells fargo and they closed that account and they reverse the claim and added to my account XXXX I was told that if there are disputes on a account the account will not close also this has cause me alot of stress i would like for them to fix the issues and i believe that wells fargo old me money. 
I wish some one can audit they system to see the issue