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

I had a fraudulent account on all 3 of my credit reports. I filed a dispute and both XXXX & XXXX  removed the derogatory account from my credit file. XXXX did nothing at first. I have submitted at least 5 to 7 XXXX online disputes and one through a phone call and they still refuse to remove the fraudulent account. I made contact with the company that is listed as the account that I supposedly owe and they checked and have NO history of me EVER having an account with them. I again submitted a dispute with XXXX with this information and after a " re-investigation '' the dispute was closed with the fraudulent account still on my credit report. 
XXXX refuses to remove this account and I can not get a loan to purchase a home because of this. The account that is listed as a delinquent account is GE Capital Retail Bank, the same bank the your agency has sued and held liable for {$34.00} XXXX for these same accounts that has been on my account since 2013. XXXX is not doing their due diligence in an appropriate investigation because if they did, they would get the same information that I did from Synchrony Bank ( formerly named GE Capital Retail Bank ) and that is ; that I never had an account with their bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple dispute letters and CFPB Complaints that I have been submiting to the Credit reporting Agencies, it appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. My information has been exposed in the Equifax data breach. The following inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Once again, please remove the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Also, I previously requested the Credit Reporting Agencies to send me copies of proof of verification and yet they have failed to do so. Under the Fair Credit Reporting Act section 605b, I am going to request to the Credit Bureaus to please remove the disputed items completely from my Credit File.
Product: Money transfer, virtual currency, or money service

I, have a complaint, about, my money, being taking out of cash ap, account, that wasn't, authorized, by me! upon checking, my balance! on XXXX! XXXX i had, {$950.00} in, my account upon me, checking, XXXX i seen, that my account, showed a XXXX balance because the, activity page showed that! XXXX, transactions! that I had nothing to do with, was the reason! the first, XXXX XXXX XXXX  XXXX, convenience store, located, in XXXX, mi. For the amount of {$96.00}, the other XXXX, was made by XXXX! {$49.00}, the next, XXXX, the amount {$240.00} the last one! for the amount of {$560.00}, all I believe made in, acording, to the statement! XXXX California! I contacted, cash ap, about this offence, by e-mail, and phone to XXXX different! reps '' they said they, couldn't investigate, while, the transactions was pending, and I would have to wait, 10 days! why is this when! they allowed some one! from XXXX different, locations! To get my, money $ then allowed, then to, back in my account! {$66.00} that, is not, mine, please, help me to get my {$950.00} dollars back! with warm! " regards
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed ( XXXX  XXXX ) are fraudulent someone used my photo id and social security number to open these fraudulent account in my name THESE ACCOUNTS DO NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & XXXX  XXXX ; XXXX On XX/XX/20, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX numerous letters stating that they have inaccurate addresses on my credit report and need to be removed immediately, however they have not responded to me or updated any information. on my credit report.
Product: Debt collection

On XX/XX/2020 a representative from Comenity Bank contacted my siblings mother regarding my credit card balance on a XXXX XXXX XXXX  XXXX XXXX. My siblings mother is in no way associated with my account and I did not provide her contact information to Comenity Bank. XXXX XXXX XXXX  XXXX and Comenity Bank has by address and should not reach out the other individuals regarding my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX. # XXXX and 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
Product: Debt collection

I have another complaint to make regarding Portfolio Recovery Associates. I have filed a prior complaint requesting the original consumer signed contract for account # ending in XXXX. Theyve failed to provide me anything with verifiable proof. I have attempted to settle with them on 3 occasions with no luck, my goal was to avoid missing work as it is imperative I be @ work. I missed a day of work Thursday XX/XX/XXXX only to find out they had rescheduled the court date. Why? I am at a loss @ what to do to get resolution. They havent provided me a copy of their state license, a copy of the signed agreement. I am attempting to resolve this matter and am having no luck! I couldnt afford to miss work on the XXXX and Im not looking forward to missing another day.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my concern and submit a complaint to TRANSUNION regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, TRANSUNION will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Credit reporting or other personal consumer reports

This company violates 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES, 15 U.S. Code 1692 - Congressional findings and declaration of purpose, 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 USC 1681b : Permissible purposes of consumer reports From Title 15-COMMERCE AND TRADE CHAPTER XXXXDEPARTMENT OF COMMERCE SUBCHAPTER XXXX-CREDIT REPORTING AGENCIES , 15 U.S.C . 1635 Right to Rescind. THESE COMPANIES HAVE MY PERSONAL INFO AGAINST MY WILL OR MY CONSENT, please provide my signature giving these companies consent to have my info.
Product: Credit reporting or other personal consumer reports

Guess there was a mix-up at my bank. I always pay in advance, until XX/XX/XXXX. I have been past due for the last XXXX  months, but only XXXX to XXXX  days ( thinking I was paying in advance ). I was never notified by the bank, text, email, phone call, or letter... nothing for XXXX months that my account was past due. I got an alert from my bank stating a new past due account was posted to my credit... What??? I still have not received any notice from XXXX XXXX XXXX about being past due. I called, explained the mix-up, and they refuse to remove the late payment from my credit. Mind you, this account has never been past due or even close. I should have been notified in XX/XX/year>, but there was nothing from XXXX XXXX XXXX. I should have been notified they were going to report me before they did!
Product: Credit reporting or other personal consumer reports

My credit report has been breached by data of mine from Equifax, XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my wife wire transferred {$45000.00} to my Coinbase account. On XX/XX/XXXX, Coinbase sent the following email to me to claim to send my money back : " You recently sent a wire to fund your Coinbase or XXXX account for {$45000.00} USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing. 

To prevent wire returns in the future, please ensure wire deposits are sent from a bank account that matches the legal name of your Coinbase or XXXX account. For more information, visit the Bank Wire Deposit section of our payment support page. 

If haven't received your funds after 7 business days, please email XXXX for assistance. '' However, the fund has not been back to my wife 's account after 21 days. I have sent multiple emails to Coinbase 's customer service but did not get any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been checking my credit and I found a public record and some inquiries that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Below are the companies who are reporting fraudulent information to the credit bureaus : XXXX XXXX XXXX - {$1500.00} XXXX XXXX - {$2800.00} XXXX XXXX - {$2900.00} XXXX XXXX XXXX - {$1000.00} I have written the credit bureaus and stated it was fraudulent and to no avail it is still being reported on my credit report.
Product: Student loan

While I have filed a previous complaint this is in no way shape or form a repeat complaint ; in the resolution letter from XXXX XXXX XXXX ( XXXX ) I was " In an effort to assist you, your request for the loan to return to our office was elevated for review. Information will be sent to your attention under separate cover once a determination has been made. '' However, no such information was sent and I called numerous times but customer service was unable to assist me due to " not being able to see anything pass XXXX when the loan was transferred to XXXX  XXXX  XXXX ( XXXX ). '' Additionally the Consumer Advocated at AES were unable to find any information related to the return of the loan and asked that I continue to call back and check which I did. I was also advised by the Consumer Advocate to talk to XXXX XXXX XXXX ( XXXX ) and let them know what is going on but not to pay them because once I pay them it would be more difficult to get the loan returned. Unfortunately, now XXXX has filed suit against me requesting nearly triple the balance ( XXXX and rising ) all because AES failed to provide me with any determination and informed me not to pay during this period of time. I am a totally and permanently XXXX veteran who had to use forbearance while I financially got back on solid ground ; never once did I refuse to pay my loan but due to oversight with AES in regard to eligibility for certain programs, in addition to failing to process a {$500.00} payment when I was financially able to pay again, and lastly failing to contact me with a determination to return to loan, I am now subject to a lawsuit.
Product: Debt collection

macy 's double-charged me for an item. i disputed the bill immediately. many calls and disturbingly long wait times, i was told it was now zero. i just got another bill -- they placed a five-dollar amount on my bill, with late charges of XXXX they dont answer and keep charging late fees -- it was up to XXXX before my latest call. i am elderly and feel taken advantage of. i 'm sure i 'm not the only XXXX being scammed by macy 's. can you help?
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX  account to report to ChexSystems. I do not recognize the address or account number associated with this report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. I have reviewed my credit file and identified multiple inquiries that I did not authorize. These inquiries constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which mandates that a credit bureau may only furnish a consumer report when permissible purpose exists. Since I did not initiate or authorize these inquiries, they must be removed immediately. 
The unauthorized inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C. 1681b ( f ), a party requesting my consumer report must have a permissible purpose. Since I did not apply for credit, loans, or any services that would justify these inquiries, these entities lacked a permissible purpose, and thus, the inquiries must be removed.

Additio

nally, 15 U.S.C. 1681i grants me the right to dispute inaccurate information in my credit report and requires TransUnion to investigate and correct any unauthorized or erroneous entries. I demand that TransUnion : Conduct
an immediate investigation into these fraudulent inquiries.

Remove the unauthorized inquiries from my credit report.

Provide a written response confirming the deletion of these inquiries.

Disclose the name and contact information of each entity that requested my credit file.

I have attached a copy of my drivers license, and a ftc affadavit for identity verification.

Thank you for your prompt attention to this matter. I look forward to your written confirmation of these removals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Need help getting this documents to XXXX, XXXX and Experian for my dispute.
Product: Credit reporting or other personal consumer reports

My information was exposed in the data breech. Accounts I do not own have been added to my credit. Such and XXXX XXXX XXXXXXXX XXXX XXXX, and Transworld systems llc.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I mailed a factual dispute to Equifax anticipating incorrect information on my report to be corrected or removed. I was received by Equifax on XX/XX/2019 via certified mail with USPS tracking number XXXX XXXX XXXX XXXX XXXX. Equifax exceeded the allowed time frame to investigate the matter and began to review the case on XX/XX/2019, a full month later. That investigation also exceeded the allowed time frame of 30 days. The confirmation for the case is # XXXX. According to Equifax, the investigation should have been concluded on about XX/XX/2019. However, by XX/XX/2019, still no conclusion or results to the investigation. I called in to speak with someone assuming there was a mailed out dispute result and I was told that no decision had yet been reached, and at that moment I made a complaint with the Equifax about my violations under the FCRA. Equifax has exceeded the allowed time to investigate the accounts and per the FCRA anything that can not be verified must be deleted permanently from the consumers file.
Product: Checking or savings account

Dear CFPB, I trust this message finds you well. I am writing to bring to your attention the matter regarding a claim made on XX/XX/. 

Upon thorough investigation by the bank, it has been determined that there was no error detected on their end. However, I would like to draw your attention to a discrepancy observed during the transaction in question, supported by an eyewitness account. 

The incident involves a payment to XXXX XXXX XXXX XXXX XXXX  movers, wherein the agreed-upon amount was {$780.00}. Regrettably, only {$480.00} was received by the movers. This occurrence was witnessed by the movers themselves at the automated teller machine ( ATM ). It has been acknowledged that there exists a deficit of {$300.00}, which we are committed to rectifying promptly. 

In the course of discussing this matter with a representative, a brief hold was experienced to review the claim thoroughly. Subsequently, the representative affirmed the validity of the claim. 

We appreciate your attention to this matter and kindly request your assistance in addressing and resolving this discrepancy at your earliest convenience. Your prompt attention to this matter is highly valued. 

Thank you for your cooperation. 

Sincerely,
Product: Credit card or prepaid card

There are several inquires that have hit my credit file which are AMEX XXXX, XXXX and XXXX I did not apply for credit with this company.
Product: Credit reporting

XXXX, XXXX and Experian are not honoring FCRA 605B requests to block entries by Identity Theft. Instead they are opening an " investigation '' with the furnishers ( a dispute ). FCRA 605B requires the CRA to block the entries within 4 business days. The CRA is not to open an investigation or dispute with the data furnishers. This is a block and the action is limited to blocking the entries. There are XXXX items required for the request : 1. Identification of consumer. 2. ID Theft affidavit. 3. Statement that these entries are the result of ID Theft. 
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So, they are refusing as a matter of policy - which they do not have legal authority to do. 

The CRA 's are also requiring a police report before taking action which is NOT required in the law.
Product: Checking or savings account

On XX/XX/year>, I came to Wells Fargo to upgrade my Everyday Checking account to Premier Checking witha {$2500.00} offer ( offer codeXXXX ). I received a summary of my visit afterwards confirmingthat the bonus code had been applied to my account, as well as a disclosureof the terms entitled " Bonus Offer DisclosureXXXX. '' By my first statement on XXXX had a linked account balance exceeding {$250000.00} and have kept this balance to this date, XXXX days after the initial account upgrade. Per the terms of the {$2500.00} offer, I should have alreadyreceived my {$2500.00} bonus, but I have not received it yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 18 USC 8 I owe no debt to this company is violating my consumer rights to privacy pursuant to 15 USC 168 1B2. company also no permission to report ANYTHING using my pursuant 15 USC 16814.

In accordance with the fair credit reporting act convergent account # 12345, 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't furnish a account without my written instrctions
Product: Checking or savings account

On XX/XX/XXXX, I deposited a little upwards of {$1000.00}, in order to prepare for our mortgage payment. I know this because my husband paid me his share of or monthly mortgage, and went to the bank with me to deposit his share of the money. We were given a statement showing we deposited only {$63.00} on the XXXX of XXXX, we do not have the deposit slip, but we both definitely remember making a deposit. Our mortgage payment was returned, as if we never made the deposit. there are cameras pointing at each teller, and we even know which teller it was, but that teller was not there today, when we went in to ask. We were told they could do nothing for us, unless we had a receipt deposit. I feel that a review of the camera footage could clear this up.
Product: Credit card or prepaid card

I closed my XXXX continentalfinance.net card about 13 months ago due to an extremely high yearly fee that I could not afford anymore to focus on paying down the balance. Since then I have been focused on paying the balance off at 30 % interest. I noticed unfortunately that they have been charging me a $ XXXX monthly maintenance fee ever since I closed the card even though the card is not being used. I asked that they remove the $ XXXX monthly fee because card is not active and they refused. I want the $ XXXX  monthly fee removed for the past 13 months. I spoke with two supervisors, one by the name of XXXX XXXX.
Product: Credit card or prepaid card

US BANK CORP knowing sold prepaid gift cards that easily can be compromised and fund stolen by criminals, then use delay tactics to solve the issue for customer. I bought a {$100.00} visa gift card issued by US BANK, then fund of {$99.00} stolen in XX/XX/XXXX, i reported to US BANK and faxed them and mailed them also the signed dispute from timely, and patiently allow them to solve the case, so far, Not only US BANK never replied to me nor updated me at all and no result as of XX/XX/XXXX, i attached details in the upload.
Product: Debt collection

I am writing in regards to the collection with XXXX XXXX. They are trying to collect {$940.00} for Comenity Bank / Boston Store. I spoke to them on XX/XX/22 and I requested an itemized bill. Also, Boston Store went out of business about 3 years ago. I spoke to a XXXX XXXX who said she would send verification. To this date, XX/XX/22, I have not received verification from them. I also called them again 2 weeks ago to request the verification. The representative argued with me and still has not sent proof that I owe this bill. I tried to dispute the item with XXXX and it came back saying that the case that the dispute investigation was done. I know I do not owe this bill. The collection agency has failed to provide me with proof. I want this to be removed from my credit record.