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

The information that appears XXXX to XXXX and XXXX XXXX XXXX to my credit cards listed and all authorized user 's Experian, XXXX, XXXX credit reports, employment screening companies, tenant screening companies, check and bank account screening companies, supplementary reports, and business credit reporting agencies ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Experian XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX ) does not relate to any transaction ( s ) that I have made. It is the result of identity theft. A police report has been filed.

These item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.

Please block this information from my and all authorized user 's credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit card or prepaid card

my credit card company citi bank closed my account cause of 3 returned payments i never missed a payment and never signed up for autopay i asked them to review and they still didn't reopen my account. I've never missed a payment in my life with any account. I've submitted my 3 bureau credit report which you will see I've never missed a payment in the history of any account and I've included the pact 6 statements from citi where you will see I've made a payment and never missed anything
Product: Credit reporting, credit repair services, or other personal consumer reports

My perusal information was compromised in the XXXX Data Breach and I have notified TransUnion of this multiple times. I have let them know these fraudulent inquiries should be removed and blocked MULTIPLE TIMES. TransUnion has violated federal law 15 U.S.C. 1681 multiple times and have acted in a way that displays they are willfully and negligently choosing to not comply with federal law. 

They have not done an investigation into this matter and have told me on multiple occasions it is the consumer who has to complete an investigation which shows they have no intention to comply with the basic principle of the federal law. 

I have now included an identity theft report in this response.
Product: Credit reporting or other personal consumer reports

I am reaching out for your help regarding the incorrect account reflected on my credit report. The harm to my reputation has been immense, and I need your immediate action. Your failure in handling my credit report has left me in a dire situation, as the incorrect details have tarnished my reputation. This must be resolved so I can focus on my family 's well-being.
Product: Money transfer, virtual currency, or money service

Dear XXXX, At XXXX of XXXX we send the payment in XXXX dollars from our account at XXXX XXXX XXXX XXXX XXXX XXXX to our partner XXXX XXXX XXXX XXXX ) via the Bank of New York Mellon XXXX It was a payment for cartridges. 
Amount : {$29000.00} XXXX  : XXXX Senders Reference : XXXX This payment was not received by the payment receiver. 
XX/XX/2022 XXXX XXXX ( XXXX XXXX ) informed us that the payment is in the process of conducting. 
Due to the fact that this amount is essential for our company we ask you to finish your control procedures as soon as possible. From our side We are ready to provide all necessary documents. 
If it is impossible to send this payment to the receiver, please, inform us how we can get our money back. 
Thanks in advance. 
Best regards. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Student loan

Edfinancial is estimating over 6 months for people to receive their refunds from the CARES act. Not only that but they are claiming that they started the refund process but when being asked about it a few days later they claimed the refund request was never submitted.
Product: Credit reporting or other personal consumer reports

On the XXXX of XX/XX/2021 someone entered the XXXX XXXX Dealership and used identification that was used for me but wasnt me and purchased a vehicle in my name this is part of an ongoing identity theft issue
Product: Credit reporting

On XXXX XXXX, 2016 at XXXX a.m. I contacted The XXXX XXXX XXXX XXXX that is listed on my credit report about a civil judgement and I spoke with XXXX in the records department and he informed me that XXXX XXXX XXXX XXXX does not report to the XXXX credit reporting agencies and there was no way that they could have verified anything with them. On XXXX XXXX, 2016 I sent Equifax a letter stating that this account is not reporting accurately and for them to delete this account. On XXXX XXXX, 2016 I was able to look up the results of my dispute online and find out that the Judgments have been verified by the XXXX XXXX XXXX XXXX and was provided with their contact information and to contact them for any questions. The results of their investigation is completely untrue and a lie due to me contacting XXXX XXXX XXXX center myself and was told that they do not verify nor report anything to the XXXX credit reporting agencies. I then contacted Equifax on XXXX XXXX, 2016 at XXXX XXXX at XXXX XXXX XXXX XXXX and spoke with XXXX and asked about the results of my dispute and how was these XXXX judgments were verified when this company does not report to you all, he said that the company did in fact verify this information. I then requested to speak with a Supervisor and her name was XXXX supervisor of XXXX XXXX and she came on the phone and said something different then what XXXX provided me. She said that they send someone out to the courthouses to verify public records. I then informed her that on my credit report I was not provided with that information. I then asked her to provide me with the name of the individual that went to the court house to verify these XXXX judgments and she was not able to provide me with the information. This company are reporting inaccurate information to my credit report and also reporting fraudulent information to me about how they verified the XXXX judgments. 
I have upload the results of the investigation and the information that they provided me
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXX XX/XX/2024 : XXXX OF XXXX  XX/XX/2024 : XXXX XX/XX/2024 :
Product: Student loan

I never finished the program they had me audit the Program to get back into the class then told me there was a waiting list. I never had counseling. They gave me the loans I have not been able to pay them they have been on deferment over and over because they make my payment higher than half my salary. My loan is atleast 10 years old and constantly accruing interest. I do t have specific dates right now. To be honest I email Navient every few months no reply or help yet
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have never had credit with or an account with agency. illegal 3rd party reporting inaccurate financial information damaging / defamation of character with intents to harm credit score an decreasing chances of obtaining new creditor
Product: Credit reporting or other personal consumer reports

I rented from a property ( XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX MI ) in 2023, and I moved from the residence in XXXX of 2023 with my sister after being diagnosed with XXXX XXXX. In which the state of Michigan helped me pay them rent in the amount of {$8200.00} while I went through my treatment. The property continued to bill me staying there until XXXX of 2023 saying that I allegedly owed them {$6500.00}. Since being in XXXX  I've finally decided to move out on my own just to find out that this alleged {$6500.00} was reported to the National Credit Systems credit reporting agency with a XXXX XXXX XXXX XXXX XXXX. The lady named XXXX that I spoke to emailed me the rent ledger so that I could look over it as well as a letter that I never received that was mailed to the address that I moved from, which makes no sense considering I wasn't living there and had moved out.
Product: Credit reporting or other personal consumer reports

I received a copy of my TransUnion credit report and Transunion is reporting that I defaulted on my XXXX XXXX XXXX XXXX and it has never been in default I have enclosed a letter from XXXX XXXX  stating this loan has never been defaulted
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reaching out to report discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DONT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX PLACED WITH COLLECTIONS ON XX/XX/XXXXXXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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 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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 


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

XXXX accordance with the Fair Credit Reporting act Chapter XXXX Bankruptcy filing Reference # XXXX, Chapter XXXX Bankruptcy filing Reference # 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
Product: Credit reporting or other personal consumer reports

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : XXXX & Account Number : ending in XXXX Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX. XXXX ) & ( XXXX XXXX XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle loan with XXXX XXXX XXXX. I paid my loan off over 3 years ago and it is still reporting on mine and my husbands credit report as charged off {$2200.00}! This is not correct! We had the vehicle since 2008 and paid it all off in full. I really need this to be updated on our reports. I have tried to fix this in the past with no results.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  I submitted proof of identification, FTC ID THEFT REPORT, IDT 100 form, Division of Taxation notification. and a written statement. Between XXXX, the major credit reporting agencies ( CRAs ) responded. Equifax denied to block the information from being reported. Equifax wrongfully assumed misrepresentation, error or receiving goods for completing the transaction and requested document that was provided with the dispute ( FTC report or police report, specific account and identity ). 

( XX/XX/XXXX @ XXXX EST ) I visited XXXX Police Department XXXX XXXX precinct. Sergeant XXXX reviewed the aforementioned documents and stated that I needed to retrieve proof of XXXX XXXX transactions from statements in order for the investigation to proceed. So I Called XXXX XXXX ( XX/XX/XXXX @ XXXX EST ) credit bureau dispute resolution center and spoke with XXXX , who confirmed that there was identity theft note in my file. I requested the necessary documents to no avail, then I was transferred to XXXX. XXXX did not have the right address on file since before XXXX. So I updated my address on file first. Next, XXXX stated that XXXX XXXX does not have transaction records anymore ; records were sent to the Attorney. I called the attorneys office, XXXX & XXXX ( XX/XX/XXXX @ XXXX EST ) requesting documents from XXXX . I never received the documents. 

Equifax did not provide methods of investigation or thoroughly investigate the dispute. If so, Equifax would have known that my information was compromised in XXXX during the Equifax Data Breach ( Claim # attached ). 

I am a natural human being and I have autonomously created this complaint.
Product: Debt collection

In annual credit report a Pro Com Services of Illinois appears in XXXX XXXX XXXX XXXX entries and representing XXXX XXXX. The entries are small ( - {$100.00} ). After contacting my healthcare providers there are no outstanding balances and zero balance due. In communicating with the XXXX XXXX, they have no knowledge of Pro Com of Illinois representing them in the collection of outstanding debt. 
In addition, I have received no communication of any kind from Pro Com. It appears these entries are invalid, fraudulent attempts to collect monies not due them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX, GA XXXX
Product: Debt collection

I was looking over my credit report and I saw this negative collection item the is drastically affecting my credit score, for something I do not recognized from a company called PRO COLLECT INC the report shows the account was open XX/XX/2017 and the original creditor was XXXX XXXX XXXX XXXX I would like this to be permanently removed from my credit report thank you for your time
Product: Credit card

On numerous recent occasions ( conversations with Citibank Credit Card Customer Service between XX/XX/year> and XX/XX/year> ), I have spoken with representatives located in the XXXX. My conversations were intended to include Payment Card Industry ( PCI ) and Personal Identifiable Information ( PII ) which I do not want to be referenced outside of my Host Country ( United States ). When I requested my call to be transferred to a representative located in the United States, I was told that my request was impossible and could not be fulfilled and then my call was promptly terminated by the offshore Citibank representative. Several of these conversations involved a Citibank Supervisor. I am formally submitting a grievance and complaint for the refusal of Citibank Credit Card Customer Service to transfer my call to a representative located in the Unit States.