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

I checked my credit report cause I am a vitim of faurd and see that even though I know for a fact that this information is correct and isn't correct. The credit beaure stated that they verified the information with XXXX I was told via telephone that they get their information from a third party by the name of a pacer. I am well informed that the information has to come from original person such as the bankruptcy court. I went to the court and they assured me that even if I had filed bankruptcy or proceedings that they do not share or communicate with third parties or this business called XXXX I was informed by XXXX, XXXX, Equifax that it was a, informed that this information is verified, or has been provided by a third party information collector. with these findings I Also contacted the Bankruptcy Court of record again and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. These are not Corrcet
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TRANSUNION Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : 1- Accounts : XXXX 2- Unauthorized inquiries : XXXX XXXX XXXX on XX/XX/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  on XX/XX/XXXX 3- Inaccurate employment : XXXXXXXX XXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and CAPITAL ONE is Violating 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC 1681i ( 5 ) ( A ) of the FCRA. CAPITAL ONE, have NOT provided me a copy of ANY original documentation, and is required to Promptly Delete all information which can not be verified off of my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 when I started my repairing my credit journey I froze all the third party reporting agencies that have been selling information to the credit reporting agencies like ( XXXX, XXXX, and Trans Union ) for year 's on consumers without their knowledge. I just found out about these companies recently and it's sickening the information that companies are selling on consumers to these vultures. " Excuse My Tone '', however being that I thought i had gotten these false information spreaders frozen. Here comes all these lil post cards in the mail about fraud alerts and extended fraud alert 's being added to my consumer credit report. I wasn't sure what that ment until applying at XXXX XXXX XXXX XXXX and was denied credit on the basis of HIGH RISK OF FRAUD, the same information the agent on the phone stated to me that was associated with my consumer report. The agent " XXXX '' also told me that I could not get the fraud alert removed. She kept going on about since i filed a report of fraud that has to remain on their to let creditors know that fraud could happen if they open an account. This is just CRAZY, how in the XXXX will I ever be able to live the American Dream of being a Home owner if these people are literally pegging my consumer report as a report strictly looking to defraud. I have worked have to rebuild my Credit and these credit reporting agencies are doing all they can to fill their bank accounts and rob me of my Dream. ( XXXX, XXXX, and TRANSUNION ) are not following any laws when it comes to consumer 's and it's not just them breaking the law it's the companies that is selling them information without consumers knowledge and they all need to be held accountable. I never asked no Third part company to issue any fraud alert across multiple channels such as what's happened here. I never gave my permission to get have no fraud alerts put on my credit report 's and I never told them to put no extended fraud alert on my credit reports and i want them removed. I filed the FTC report because I was informed to do that by a Trans Union Representative and just as I was told to file another FTC report to have the Inquires removed from my credit report I didn't authorize by a TRANSUNION Rep. I'm not filling out no report 's because these people are selling information and wan na make me look like Im filing false reports to get things deleted. I just want to fix what's wrong on my credit and go on with my life. These credit reporting agencies are playing with my life and my future. XXXX XXXX isn't listing any open account 's with positive information on my credit report 's it's all stagnant. XXXX did take all the inquiries off that were showing up falsely obtained and I didn't get one point added to my score nor has my score dropped or moved since filing these disputes. It's clear when you file disputes with the CFPB ot the FTC these companies will play XXXX XXXX with your consumer credit report 's and this is just out right sickening.
Product: Checking or savings account

Citibank closed my account without warning and will not send my funds for 30-60 days. I can't wait that long for my funds to be sent.
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 XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, hello. 

There are 2 regular credit inquiries that have been incorrectly reported and are reflected on my TransUnion Credit Report ( File Number : XXXX | Date : XX/XX/XXXX ) that I DO NOT recognize : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have already previously contacted XXXX XXXX ( XXXX ) and spoke with at least 2 associates from both product departments ( XXXX XXXX XXXX ) on ( XX/XX/XXXX ) advising that I am not aware of these product inquiries, that the information is being incorrectly reported, and requested them both to be removed but they are still being falsely reported on my TransUnion Credit File. I recently contacted TransUnion, LLC 's Fraud Department ( XXXX ) again, today ( XX/XX/XXXX XXXX XXXX  CST ) spoke with a Fraud Department Specialist who advised this step needed to be completed in order for them to remove the incorrect inquiries being reported in their system. 

I would like assistance in getting this incorrect information deleted and removed from my TransUnion Credit Report, promptly to avoid inaccuracies being reported on my profile. Thank you, kindly, for your time and attention regarding this matter. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there are late payments listed for a collection account that I did not sign a payment agreement for. This collection agency claiming a history of late payments is a false representation to my relationship with them. Im constantly getting denied for homes, cars, and other things that are needed to take care of me and my son and its becoming a big inconvenience.
Product: Credit reporting or other personal consumer reports

I am trying to buy a house I have till the XXXX th of XXXX. They gave me a commitment letter but it's not going any further until the creditors say that I have paid off the item and it's closed. XXXX still has {$2700.00} on XXXX leasing. It's not fair this is ruining me and I'm about to lose my house. 
I don't owe that I didn't even have to pay the {$660.00} but they took it anyways it was closed since XXXX  ... XXXX  wont update it they sent a report back stating it's accurate and not closed and not paid off. 
XXXX XXXX XXXX XXXX  is the same I paid {$580.00} and they won't update anything XXXX is ruining me so is XXXX and XXXX XXXX. They need to send a XXXX bal. Letter over to the creditors/ and to me.
Product: Debt collection

I JUST NOTICED A COLLECTION ACCOUNT APPEAR ON MY CREDIT REPORT THAT WAS PAID THROUGH MY INSURANCE.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.

My accounts not investigated properly ; ending in XXXX, ending in XXXX, ending in XXXX, ending in XXXX, ending in XXXX.
Product: Mortgage

Since Nationstar changed to XXXX XXXX, they no longer send paper statements to me. They send an email that should allow me to gain access to see the monthly mortgage amount due and date due along with other mortgage info. However, everytime I try to access my account with the link, I get a message that the website is down. I have tried on 3 different days, multiple times. The site says that you can still access mortgage info if you call an 800 #, but when you call the 800 #, a recorded message just tries to sign me up for a medic alert system and " free '' cruise, then disconnects me. I can not connect with a rep nor am I able to access recorded account info.
Product: Prepaid card

I made a purchase on XXXX for {$48.00} originally on XX/XX/year>, and when I saw that one of the items wasn't going to arrive before XXXX XXXX I canceled that item right away. the amount was then adjusted to {$25.00}. I then called XXXX customer service, and they said the authorization hold would go away after 10 day, and the money would be put back but it wasn't. I then called customer service again after the 10 days, and they said that the authorization hold was up, and that the funds should have been put back by the XXXX of XXXX. I then called the number on the back of my dasher direct card to get help, and I got the run around saying the money was there, but it never appeared back in my acct after that hold was adjusted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Balance {$530.00} Balance updated XX/XX/year> XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX 
Balance {$700.00} Balance updated XX/XX/year> XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX Balance {$990.00} Balance updated XX/XX/year> I'm not liable for theses debts. I do not have a contract with the collection agency trying to collect. They did not provide me with the original contract as requested.
Product: Debt collection

You never provided Verification or Validation of this alleged debt I asked for the 1099 oid and also the opt out document that presented to me during the consumer credit transaction. I also asked for the document with my consent for your corporation to put anything on my consumer report. I never received those documents and yet you still furnish the inaccurate information on my XXXX report Violation. 
Then if you look at 15 usc 1666b a down payment was given for both consumer credit transactions that shouldve have. You can not mix cash with a credit transaction. Theres no statue of limitation On fraud and as you can see your corporation and your partner Car Mart are in default of both accounts due to the fact that they did not explain my contract conspicuously and due to the fact that you have no rights to the security interest in both transactions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has comeback with a reply to complaint ID XXXX. If XXXX were actually the servicer of the loan at that time and the info they supplied in their response is accurate, they admit that the account was retroactively made current for the months in 2011 that  are reported as late. If this is correct then XXXX needs to then retroact and retract the derogatory statements for that time period because they would in fact be erroneous if the account was in forebearance as XXXX stated in their response. XXXX 's own words attest to the fact the accounts were made current. I have supplied the portion of XXXX reply that substantiates this fact. I am asking that the historical data correctly reflects the proper period of forebearance on my credit reports. I am also asking that the derogatory statements be removed as they are in fact incorrect according to XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formerly express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform
Product: Payday loan, title loan, or personal loan

I originally borrowed around {$900.00} from Cash Store in XXXX on XXXX XXXX. 

I was XXXX and had a joint bank account which I had to close. They never got in touch with me, sent a letter that I received, etc. Later in XXXX of XXXX I got a call from an " attorney, who was not one.  She was nice but threatened that they were going to file bank fraud charges, she then said that it didn't make sense as I hadn't committed fraud, and that I could handle it with a payment plan. XXXX, scared, and trying to get better I agreed to it. 

Now, in late XXXX inhad been getting a spam message, so I called. They answered saying, " Oh, they're going to have your drivers license suspended and take you to court. They are also going to file 3 bank fraud charges. '' I then told him that no fraud was committed, I had already set up a plan, and he agreed and said he didnt understand how they were going for all that when I had responded and attempted to remedy the situation. I told him I know that I didnt commit fraud, that I want ALL THE PAPERWORK DETAILING HOW AND WHAT THEY WANTED TO " CHARGE '' ME WITH. 

The debt is handled. The problem is that they are making all these threats " bad cop '', then having no attorney persons negotiate payments, issue threats, and give legal advice that often contradicts what they originally said and or did. 

If I didnt have legal knowledge, like many, they could really manipulate and hurt people. My understanding is that threats and harrassment can't or shouldn't be done by these folks. I would like to know ways, remedies, and what their legal obligations and restrictions are, so that I can be better informed. I feel what they did was illegal at worst and extremely shady and deceitful at best ...
Product: Student loan

Throughout the life of the loan I've already used all my forbearance options ( Navient only gave me hardship options ) and only have the option to pay the full amount or try to refinance. I have tried on several occasions to talk to them about income based or any other options and I've been told " we dont have any other options, you must pay the full amount. '' I feel this is wrong as every other student loan servicer gives you the options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE RECENTLY PLACED A FREEZE ON MY CREDIT PROFILE DO TO SOMEONE ACCESSING MY PERSONAL INFORMATION WITHOUT MY PERMISSION. I WOULD LIKE TO REQUEST A SECURITY PIN ON MY FILE ASAP!! PLEASE UPDATE INCORRECT DOB XXXX AND SS XXXX. My correct name and spelling are XXXX XXXX XXXX. Please remove any variations of my name they are not correct XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit card or prepaid card

I received a Vanilla gift card for XXXX, I made a purchase at XXXX XXXX XXXX. I went to the Vanilla gift card website to check my remaining balance, only to find out that a charge to XXXX had been charged to my gift card. I contacted Vanilla Gift card customer service. I was told that a dispute would be emailed to me which it was and I completed and returned on XX/XX/2022. I received an email confirmation from Vanilla Gift card saying that they received my dispute packet and that the investigation will be launched and to call back in 90 days. I called back on XX/XX/2022 only to be told that they hadn't received my packet and that she would contact the dispute department and to give back in 48 hours. I called back on XX/XX/2022, only to be told that she hadn't heard anything back from the dispute department and to call back on XX/XX/2022. I called back on XX/XX/2022 to be transferred to the dispute department the lady said that she did not see a dispute packet for me, I read her what the email stated from Vanilla Gift card she told me that she will email the back office and that she is waiting for a response from them and to call back in 48-72 hours for a response. The emailed stated that investigations can take up to 90 days but most are resolved within the 90 days. Can anyone help me because I feel that I am being scammed.
Product: Debt collection

Hello, This medical bill was issued to me from my prior address in Pennsylvania. 
I recently relocated to XXXX Fl, for school. 
It was not till recently I made a legal address change after moving into my new apartment complex. 
The debt, I believe penn credit is attempting to collect was paid for. 
While I was a resident in Pennsylvania, I was covered under XXXX. XXXX covered completely the cost of my medical visit, and lab work. 
I had my own insurance company schedule me an appointment with a practitioner that is covered under my insurance. 

The medical bill is for the lab work my doctor requested. 
The amount owed is {$100.00} This debt is from XX/XX/XXXX However, If this bill was recently from my emergency visit, than it also should be covered under insurance. 

I am a XXXX  at the XXXX XXXX XXXX, and recently had a medical emergency for my condition XXXX. Any lab work, and visits that have been done are also covered by my insurance when it was active. Although XXXX does not cover me in the state of Florida, emergency visits are covered. My insurance was applied to my student account.My visits have been through student facilities, so my bill should be covered. 

I also attempted to sign into my XXXX XXXX and locate the Bill with the account number provided, and nothing could be found.
Product: Credit reporting

I have requested validity on a Chapter XXXX Bankruptcy on a couple occasions as the date of discharge is incorrect as well as the filing information. I have requested in both writing and email for this to either be updated or removed. I have tried to no avail, therefore, I am reaching out to you in hopes this will be either updated or deleted. 

The response I get from the CRA 's is that this info was validated through another system. 


Thanks in advance for your help! 
XXXX XXXX XXXX, TX XXXX XXXX XXXX