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

I called XXXX yesterday and requested that a hard copy of my TransUnion credit report be mailed to me via the postal service. This morning, I received an email from TransUnion with an attachment, presumably my credit report ; I did not open the email or attachment. I specifically requested a hard copy because I do not have access to a printer. I called the TransUnion customer service number four times today and tried to speak to a representative, and each time I was shunted to an automated system that sent me a link for texting. Please have TransUnion send me a hard copy of my credit report through the postal service as I requested. Thank you!
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate bankruptcy information that is still being reported on my credit reports by Experian, XXXX, and XXXX. The incorrect information is as follows : Bankruptcy Filing Date : XX/XX/year> Bankruptcy Case Number : XXXX I have documentation from XXXX confirming that the bankruptcy information has been removed from their records, and I have also received a letter from the bankruptcy court stating that they do not report bankruptcies to credit bureaus. Despite submitting this information to the credit bureaus, they have failed to remove the inaccurate bankruptcy from my credit reports. 

This inaccurate information is negatively impacting my credit score and causing ongoing financial harm. I request that the CFPB investigate this matter and help facilitate the removal of the inaccurate bankruptcy from my credit reports with all three major bureaus.
Product: Money transfer, virtual currency, or money service

I needed to pay for a service in XXXX  between XX/XX/XXXXor XX/XX/XXXX 
I sent {$1000.00} through Sendwave to XXXX XXXX XXXX XXXX  XXXX. 
They were meant to be quick transfer, but when it didn't happen between 24hrs, I requested a cancelation of the process. 3 days or more later they said it processed. The recipient didn't receive the funds because, Sendwave sent XXXX to their USD domiciliary account, so the money wasn't actually sent. 
I asked for a refund and Sendwave said their 3rd party company XXXX XXXX XXXX has to reply them first. 
I did not give my money to XXXX XXXX but to Sendwave that didn't do the job but now they also are not giving me my money back, they are also not taking my calls or calling me back when they say they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that my account was properly investigated but how is that possible if many things are inaccurate on the accounts such as the date last verified inaccurate, date of last activity inaccurate, date last reported inaccurate, date opened inaccurate, closed date inaccurate, last payment inaccurate, term length inaccurate, payment history inaccurate for accounts XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX. 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # 's 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 HAVE FILED A DISPUTE IN REGARDS THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEVIED ANY INVESTIGATIONS RESULTS. XXXX EXPERIAN
Product: Credit reporting or other personal consumer reports

This was my follow through complaint for the removal of these inquiries and incorrect personal information. Per FCRA section 605B, credit reporting agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the attached documents to assist in the removal of the erroneous personal information and inquiries posted to my report. Here is the list of items that were opened without my permission : 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 XXXXEQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX -- -- -- -- -- -- XXXXXXXX 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 According to FCRA Section 605B ( a ), the credit reporting agencies shall remove any items in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, no later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. 

As a conscientious consumer, I work very hard to to play within these unfavorable rules of credit reporting/scoring. I have NEVER missed/been late on a payment, CONSISTENTLY stay under 30 % utilization ( usually5-10 % ), but my score just blips upward month after month. XXXX, i use my credit in an event ( even staying well-below 30 % use ), my score goes down a significant ( unfair ) dive. 
If, the very next month, I PAY OFF the same amount used ( or more ), my score doesn't RECOVER by the same points. 

It is unfair, but ESPECIALLY in these HARD times of COVID that the " systems '' are so unfavorable to temporary usage. They should allow a XXXX period to see a pattern, before damaging our score. And ( at least ) should recover our scores with SAME aggressiveness by which it lowered it. 

It is very disheartening and oppressive to get kicked when down, but ignored when consistent ( trying ). Americans are suffering, and struggling. 
Who cares? ( seriously ).
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting

I filed for bankruptcy back in 2008 but it was never approved. It was denied. Therefore I was never in a bankrupt status. 

Please remove it from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors and are possibly a result of fraud or identity theft. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), XXXX must complete this reinvestigation within 30 days of receipt of this letter. 

Equifax has ignored my investigation as I demand response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my Experian Credit report XX/XX/XXXX. The report showed numerous inaccurate and false information. I have tried to contact Experian by writing them a letter via XXXX certified mail which they received and they responded with a letter stating that they believed I did not write the letter and that I had to call in. I called into Experian on XX/XX/ and spoke with a representative named XXXX. I advised her that the report showed a " Chapter XXXX bankruptcy dismissal filed with US Bankruptcy court in XXXX, LA. '' I told her that this was not my bankruptcy and I have researched the information. I contacted the US Bankruptcy Court and spoke with the clerk of the court. She mailed me a letter stating that the bankruptcy courts do not verify bankruptcies with third parties, third party reporting agencies or credit reporting agencies. She said that the US Bankruptcy court did not provide the information to Experian to place in on my credit file with Experian. I called XXXX XXXX and suppressed and frozed my file with them until they are able to correct this information as well. Per Experian, they are the ones who verified my bankruptcy and provided Experian with the information about the bankruptcy. I called Experian and told them that I was disputing the information and that the only way for them to verify the bankruptcy is to physically go to the US Bankruptcy court in XXXX, LA and verify. Since they are not able to verify my bankruptcy, they are required to remove it from their credit file but they are refusing to do so and continue to say they have verified the information. They have not verified the information and are violating my rights under the Fair Reporting Act by not removing unverified, false information from my credit file. I have a letter from the court showing they do not verify to third parties and I also have my letters from XXXX XXXX, XXXX XXXX, XXXX, and other smaller agencies whom Experian may verify through but all these companies I have frozen and suppressed my file with their companies which does not allow them to release my information to Credit reporting agencies. Also, I disputed previously on numerous inquiries which I did authorize on my credit file and Experian refused to remove them. I told them that I did not authorize them and they told me to contact each party who pulled my file. I called the companies and they said that Experian would have to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act gives me the right to dispute any information on my credit report that I believe is inaccurate. This law requires that all data be documented and validated before it is used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Date Updated : XX/XX/2021
Product: Student loan

Nelnet has violated my federally protected rights under the FDCPA and FTC Rule CFR 433. My student Loan was Transferred to XXXX XXXX then Nelnet without my permission or awareness violating XXXX. For both companies. 
Nelnet failed to provide documentation showing they are the Holder in Due Course which means they have no legal rights to collect. I was never obligated to pay you a third party debt collector for this alleged pursuant to 15 U.S.C. 1692a-3. You have used abusive. deceptive, misleading means to collect on an alleged debt violating 15 USC 1692e. Check attachment for more instructions.
Product: Money transfer, virtual currency, or money service

I sent {$100.00} to XXXX on XX/XX/2021. Because the person could not collect, Western Union told me to cancel the transaction for a refund. I cancelled but never got a refund. 
XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

1- XXXX XXXX XXXX XXXX Account # XXXX 2- XXXX XXXX XXXX Account XXXX XXXX Has violated my rights.

15 USC 1681 Section 602 A. 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to an error on my credit report that is negatively impacting my financial history. Recently, I discovered that there is a credit card account with charges and late payments that I do not recognize and never authorized. Despite the fact that this account has been closed, it continues to appear on my report, affecting my ability to obtain credit. 

Account Details : Creditor Name : XXXX XXXX XXXX BANK. Account XXXX : XXXX. Total fraudulent amount : {$120.00}. 

I have made multiple attempts to resolve this issue, but the incorrect information remains on my report.
Product: Debt collection

Transworld/XXXX  reported a derogatory collection account to all credit bureaus, causing economic hardship. No attempt was made to contact me regarding this supposed debt. The debt is not mine and is being reported without validation that I am the actual owner. It shows as a recently opened debt. The collection/reporting of this erroneous debt is a violation of the FCRA, 15 U.S.C.-1681 et seq. Transworld is in direct violation of this act as it pertains to the validity of the debt as it relates to my rights as a consumer/identity theft/data breach victim.
Product: Debt collection

I contacted Credit Control Corporation about a recent medical bill that is being handled by insurance. I also called regarding an old erroneous debt that a lender stated that I needed to pay even if the debt is disputed & not valid. After contacting the company, they read notes in the account to show that I contacted them in XXXX regarding this debt which validated what I told the representative which is that this should not be a debt on my credit report because a money order was mailed to pay for this debt even though I am not responsible for this debt. I was advised that this debt ( $ XXXX {$67.00} XXXX XXXX ) would not be reported because it was being disputed, etc. However, months later it was reported & I called back regarding the debt and no supervisor, etc followed up with me to remove the debt as it was stated would be done. Fast forward 4 years, I contacted them to get this resolved because it is still lingering on my credit report, and I have been hung up on, advised no one can assist me there, advised I can not dispute this debt, and advised that it would not be removed even though I was told twice in XXXX it would be & there are notes in this " account '' there to show this. Shortly after a conversation with an employee who stated that she was a supervisor turned negative, a debt from XXXX XXXX popped on my credit report. This was never reported prior to the conversation with this rude individual. In addition, I was never notified on this debt ; I was never advised that this can be disputed, and I have no knowledge of this debt. I became aware of it through a credit monitoring service in which I subscribe. Through the credit report from my credit monitoring service, I saw that the " original creditor '' is XXXX XXXX. I did not authorized the services or treatment of XXXX XXXX during the time it was stated that this debt was delinquent. In XXXX, all my medical appointments were provided through military-affiliated services XXXX This debt all of a sudden reports on my credit report due to retaliation by employee ( s ) at this company who hung up on me as well as stated that she can not help me. This is in violation of my rights, and reporting this invalid, erroneous, and inaccurate date is damaging to me which is what the individual ( s ) who did this was trying to accomplish. I am not responsible for this debt. This debt is not valid, has not be validated, and I have never been made aware of this XXXX debt so I can exercise my rights as an XXXX citizen to dispute it. The timing is impeccable - 2 years after it was stated that it was delinquent. A year in which I never utilized or authorized the services of this group. Please investigate XXXX erroneous medical collections with this company & assist me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : XXXX XXXX XXXX XXXX has fail to respond to an CFPB complaint about accounts ( AccountS # XXXX ; XXXX ) I'm disputing, for failure to respond under the time frame the law provide these accounts must be removed from my credit file immediately for violation to the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to urgently follow up on my previous disputes regarding the following inaccurate and unverified negative accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my report that is not mine, I have sent affidavit and police report stating that someone is getting medical bills in my name. Please delete the following XXXX XXXX XXXX XXXX Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I borrowed XXXX dollars. Website said click here, funds in account next day. It said click to continue. I did. Then i called and asked about how many payments i must make. I was told XXXX for 5 payments. I said ok and clicked on button to agree. I made 5 payments and called them. They said i must make 20 payments all together and only XXXX dollars from the XXXX went to my principal. This is almost 100 percent interest which is illegal in new jersey
Product: Checking or savings account

I wrote XXXX checks on XX/XX/XXXX for XXXX Estimated tax payments to the " United States Treasury '' for {$25000.00} and the " New York State Income Tax '' for {$15000.00}. The checks were mailed at my local XXXX XXXX XXXX but instead the XXXX checks were stolen and altered to read " Pay To The Order '' of two unknown individuals, XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. My estimated tax payment checks were never received by either the IRS or New York State Income Tax. After I filed my XXXX Individual Tax Returns on XX/XX/XXXX, I received a Notice from both the IRS dated XX/XX/XXXX and XXXX Department of Taxation and XXXX dated XX/XX/XXXX. The notices were to tell me that I had underpaid XXXX estimated taxes which I had filed on my XXXX XXXX returns as paid for. I had to pay for the unpaid estimated taxes + penalty + interest. I have attached the two notices for your review. 
As soon I received the first notice from the IRS dated XX/XX/XXXX, I went immediately to a branch of CapitalOne Bank in XXXX and reported that check XXXX was a check fraud. I also filed a police report at XXXX Police Precinct. CapitalOne Bank emailed me and told me that it will be some time before they can address my cases. Also attached are copies of the original CapitalOne Bank checks no. XXXX, payable to the " United States Treasury '' and no. XXXX, payable to XXXX  Estimated Income Tax, both dated XX/XX/XXXX. CapitalOne Bank requested that I get an Affidavit of Altered Check notarized and returned to the bank. 

Furthermore, I have become a victim of Identity Theft. When my CapitalOne Bank checks no. XXXX and no. XXXX were stolen, my Social Security number was written on the checks. h Please advise what else I should do before taking steps to find legal counsel. 

Thank you, XXXX XXXX XXXX