23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My phone was hacked. My Wells Fargo app was accessed, a XXXX acct opened from app. A transfer of {$1000.00} made. I was a victim. I have not answered any emails or calls from unknown numbers. I have not given my information to anyone. This happened at XXXX XXXX while I slept. I discovered when I woke up and opened emails. I had email after email regarding activity on my wells Fargo account. I contacted them immediately. XXXX. At XXXX I went to branch to open new accounts. They said my funds would be returned. Although, Wells Fargo has denied refund. They say no fraud occurred
Product: Credit reporting or other personal consumer reports

There are numerous fraudulent inquiries in my report that are really hurting my score. i wanted them to be removed as soon as possible. I have been trying to remove them since last year but i really don't know why it's s complicated to exercise my right to have an accurate reporting. Remove the following as soon as possible. Thank you. 

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: Debt collection

On XX/XX/XXXX I placed an order with an online retailer in the amount of {$100.00} via Pay Pal Credit. The order was cancelled with the vendor hours later however the charge went through anyway. I had been in contact with the vendor several times and was assured a credit would be put through. I eventually filed a claim with Pay Pal credit and they issued a credit to my Pay Pal Credit account on XX/XX/XXXX. On XX/XX/XXXX Pay Pal denied the claim with a stated reason that it did not qualify for a claim. On XX/XX/XXXX Pay Pal applied a debit of XXXX to my Pay Pal Account resulting in a negative balance and subsequent non use of the account. I reiterate, that this debit was applied to another account and not a reversal on my Pay Pal credit account ( which is what should have happened ). I have been in contract with Pay Pal daily and they are pretty incompetent and unable to understand the issue. They are trying to collect a debt on an account that was not involved in the original transaction. The denied dispute has subsequently been reopened and re-classified as an item not received. Apparently it was denied the first time because Pay Pal did not like the category of dispute I used and rather than fix that it was easier just to deny it and apply a debit to an account that was not involved. In speaking to various representatives this seems to be a Pay Pal internal systems issue. In short, I placed an order, I cancelled an order, I received nothing and Pay Pal debited another account in error while attempting to perform a credit reversal. At this time the dispute is still pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call today, purportedly by someone from the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, asking to confirm a purchase of a XXXX XXXX  and XXXX  to be sent to an address that I don't have on file. The employee gave me his name and badge number. He claims that I apparently have XXXX XXXX accounts to my name. I confirmed that I didn't make said purchase and that I only have XXXX XXXX account. 

The XXXX employee forwarded the call to the FTC, where I spoke to an XXXX XXXX XXXX, with the Crime and Investigating Department. She gave me her Badge number XXXX XXXX, XXXX XXXX ), her phone number ( XXXX ), a Case ID ( XXXX ) and a File XXXX XXXX XXXXXXXX XXXX She verified my identity by asking to confirm an old address, the last 4 of my SSN and then gave me a list of banks, to confirm whether or not I had ever had an account with any of them. 

According to XXXX XXXX, the department of the Treasury has at least 10 banks accounts that are attributed to me, totalling a combined amount of {$800000.00} in credit. Since this case involves multiple entities, she forwarded the call onto the DEA for possible investigation into foreign money laundering. 

The DEA person- XXXX XXXX- wanted me to set up a virtual account and liquid any funds over {$1000.00} in each of my bank accounts. Supposedly once I did that and my SSN was unblocked within 24-48 hours, I could get that money back. When I asked for an email confirming all this information, or a website I could go to to review the steps, he got combative with me and told me I didn't have to cooperate with him, but if I didn't, he would have a warrant made out for my arrest and I could expect a sheriff 's deputy and IRS agent at my door within 30 minutes to arrest me, and that I needed to get a good criminal lawyer.

I bought what the FTC agent said, because there was so much detail and believable language ( case #, badge #, etc. ) But when the DEA " agent '' wanted me to liquidate funds and wouldn't give me any confirming details, then I told him I wouldn't cooperate and he ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate account. Diversified Consultants is still not willing to delete this account even after XXXX has taken the account out of dispute status.
Product: Credit reporting

I paid this account off in full and yet they are still listing themselves on my account as unpaid. I want them completely removed as the credit reporting company agreed that this account has been paid to a {$0.00} balance and indeed, should not be still appearing on my credit report.
Product: Debt collection

Lvnv Funding LLC tried to collect on a debt that wasn't mine. I had to take them to civialm court. The debt was dismissed in court as not mine. They are still reporting on my credit reports.
Product: Debt collection

I have saved the screenshots to show this is happening. I installed the XXXX XXXX XXXX XXXX because Capital One is relentlessly calling my cell phone. 

When I say relentless- I mean Ive received 42 calls in the last two hours. 

The number is XXXX. 

The worst part is that Ive already explained to them that I didnt miss a payment, it was incorrectly attributed to my account. I pay my balance every month and have had cards with them for 16 years. This will be the last year.
Product: Checking or savings account

I filed a dispute for unauthorized transaction and the dispute was entered incorrectly and interpeted incorrectly as the company outsource their agents. the claim was filed incorrectly twice and the banks acknowledges this and the banks fail to correct the issue and issue credit which has caused my account to be over drawn and a hardship with operating my business. 
calls have been disconnected and I have been bullied during the calls
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, while looking over my credit report I noticed The following accounts, Addresses and inquires were opened/Listed fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I also want this investigated and solved. 

Addresses i have never been associated with : XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX, FL XXXX, FL Accounts that were opened fraudulently without my knowledge or permission : XXXX. XXXX XXXX Account number- XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX- original creditor- XXXX XXXX XXXX XXXX Account XXXX Open date- XXXX XXXX, XXXX Inquires that were created fraudulently on my credit report without my knowledge or permission : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX- inquiry XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX- inquiry XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX date- XX/XX/XXXX XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry date- XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX MO ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting

I have had a XXXX XXXX credit card for several years now, but unbeknownst to me they changed companies last year or " transferred lenders '' from XXXX XXXX to XXXX as it says on the report and my account was closed without my knowledge. So when I went to purchase goods from there this year rather than updating my account they started me a new one which subsequently hurt my credit score by bringing the age o my average account down significantly. I now have XXXX listings for XXXX XXXX cards with a less than XXXX year gap in between uses and a credit dip to boot. Help!
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( XXXX  ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting

I am requesting that you remove the negative reporting on my credit report from lender XXXX. It has been over 7 yrs and they also in correctly reported that I was 120 delinquent on my account when the account was placed on hold due to being in school full time. Please remove from my credit report should not have been reported in the first place. 
Thank you, XXXX
Product: Debt collection

This debt is a result of fraud. My identity was stolen and the man responsible was arrested. I had a fraud alert on my credit and I also have a FTC report as well. XXXX XXXX knew this was fraud and removed the account once I removed my fraud alert they put the account back on my credit. I recently filed a dispute with XXXX and I have been getting calls from an unknown number. Today XX/XX/23 I picked up and another company opened the call with XXXX XXXX the last 4 of your social and proceeded to call out my social without verifying it was the correct person. I repeated ask the name of the company and was told they couldnt share the name but they were calling on behalf of XXXX XXXX They hung up on me and I called back and finally got the name. They told me XXXX XXXX sold my debt to them in XXXX of this year because I refused to pay. I was confused because not only is the debt due to Fraud but I presently have XXXX XXXX and I know I dont owe anything. This company told me they dont care and if I didnt pay they will further damage my credit they didnt care that it was fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

My now ex called and talked to dealer fiance of ky his self he paid XXXX payment well we broke up 6 months later he calls them n request his money back they give it to him without taking to me nothing I'm the only one on my car n no one is to talk to them but me I didn't find out till months later qhen they refused to take my payment by phine like I always pay cuz they messed up
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit for my business, but it's showing on my personal credit report and Equifax refuse to remove this inquiry. I have sent 3 different letters to them certified mail in regard to this matter and received the same response each time. I Even called after each response I got back via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit agency has removed accounts on my credit report related to fraud and I have sent them proof on several occasions to correct and they still refuse to help me. It has been 8 months and they still will not this information from my credit report.
Product: Debt collection

On XX/XX/XXXX a debt of {$260.00} appeared on my credit report, the company name convergent outsourcing placed a debt that had already been disputed back in XXXX of 2017 and ultimately deleted on to my experian credit report with no notification or letters that would have given me an opportunity to dispute, deny or pay this debt if I knew anything about it. It is my belief that this collection agency and credit bureau are practicing unfair business practices and I plan to sue both companies if this is not deleted immediately.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Complaint to the CFPB Regarding Fair Credit Reporting Act ( FCRA ) Violations by TransUnion, XXXX, and XXXX Introduction I am writing to file a complaint against the credit reporting agencies ( CRAs ) TransUnion, XXXX, and XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( 5 ). 
Nature of Complaint On [ XX/XX/XXXX ], I submitted disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. These disputes included [ Brief description of disputed information ]. 
The FCRA mandates that CRAs investigate disputes within 30 days of receiving them and provide a response. Unfortunately, all three CRAs failed to respond within the legal timeframe.

Legal Basis 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA requires CRAs to conduct a reasonable reinvestigation upon receiving a dispute from a consumer. This includes promptly investigating the disputed information and notifying the consumer of the results within 30 days.

15 U.S.C. 1681i ( 5 ) further emphasizes the timeliness requirement by mandating CRAs to provide a written response to the consumer within 30 days of receiving the dispute. 
Case Law References In addition to the FCRA statutes, I would like to reference the following case law that supports my claims : Case 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ( Case emphasizes the importance of CRAs adhering to the 30-day investigation timeline ) Case 2-6 : These unnamed cases serve as additional examples highlighting successful legal challenges against CRAs for failing to meet the 30-day response deadline ( Please note you can replace these placeholders with the specific case names and citations you provided ) Request for Relief I request that the CFPB investigate these violations by TransUnion, XXXX, and XXXX and ensure they : Conduct a prompt and thorough investigation into the disputed information on my credit report. 
Provide a written response to my dispute within 30 days of receiving this complaint from the CFPB. 
Update my credit report with any necessary corrections based on the investigation 's findings. 
Supporting Documents I have attached copies of my dispute letters sent to each CRA and any correspondence received from them along with postal receipts Conclusion The failure of TransUnion, XXXX, and XXXX to comply with the FCRA has caused significant harm by potentially hindering my ability to access credit and obtain favorable interest rates. I urge the CFPB to take appropriate action to ensure these CRAs comply with the law and protect my rights as a consumer. 
Sincerely, [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Please note : ID and Proof of address.
Product: Student loan

I took out student loans through the XXXX XXXX XXXX XXXX  and XXXX  XXXX XXXX XXXX federal programs during XXXX  school in XXXX. To be eligible for the public service loan forgiveness program I consolidated my loans and enrolled in the income based repayment plan on XX/XX/XXXX. I enrolled in automatic payment deductions so that every payment would be removed on time from my bank account by the loan servicer. The loan servicer changed hands several times but ultimately was taken over by Fed Loans Servicing. I continuously was employed with a XXXX non-profit employer and have been XXXX XXXX in the XXXX XXXX throughout. I made >120 qualifying payments including those payments of {$0.00} that were initiated automatically through the COVID 19 Relief act. I applied for forgiveness under the PLSF program on XX/XX/XXXX with my new employer certification form so that the 111 verified payments could be updated to 125 verified qualifying payments and checked the box for initiating loan forgiveness. I uploaded the completed application form via the website for " rapid processing '' on XX/XX/XXXX. While I was waiting for the forms to be processed, I called Fed Loans Servicing three times and each time had my application form reviewed by the agent on the phone. Each time they said everything looked great and that I'd have my loans forgiven once the application was processed. On XX/XX/XXXX I received notice that my employer verification form was processed and my number of qualifying payments had been updated to reflect 125 qualifying payments and that I would qualify for PLSF forgiveness on XX/XX/XXXX! However, I did not see any notification of forgiveness and my loan balance did not change. I checked the website which says " You're eligible for forgiveness. Congratulations, you made 120 qualifying payments on 2 of your 2 loans '' but then the loan amount was still reflected in full on my account balance. When I click the link on the website that says " Track your loan forgiveness progress '' it takes me to the studentaid.gov website. On that website, when I fill out the XXXX help form it generates another employment verification form that is identical to the one I filled out in XXXX and shows only 111 qualifying payments. I have called Fed Loans Servicing on XX/XX/XXXX who made me wait on the phone for an hour. They then said the notes on the account show that the application for forgiveness was initially approved and then denied with no reason why listed. They then recommended I apply again and continue to make payments while it's being sorted out.
Product: Credit card or prepaid card

PART 1, ACCOUNT : 1 : They close my credit card account without my permission.

2 : When I ask how to reopen my credit card account. They basically told me that they can't. BUT, I can reapply for a new credit card.

3 : After waiting for while for them to contact me about my c. card app.. I checked online for my status on the app.. It could not find my app anywhere in there system.

I filled out another app.. Again, it could not find my app anywhere.

3-5 apps later. Same thing. Including 1 app I did at my local Best Buy.

( IT CONTINUES IN PART 2, not just yet! ) 4 : Was FINALLY able to finish or get an update on my apps when I called them. They littery asked me the same questions that was on the Credit Card apps!

4.5 : For some reason, even tho I have a " Excellent '' credit scores of " XXXX '', I could not " Qualified '' for the same Best Buy Credit Card I had that they closed without my permission. 
They CLOSED my account that has NO FEES, and want me to get a card that has a $ XXXX  yearly FEE with a HIGHER interest rates!

PART 2, ONLINE : I was unable to log into my account on the website anymore after I sent them a Secure Message.

On the website, it keeps on asking me Security Questions that I pick out years ago. 
There is big problem, I FORGOT the answers I did for the Security Questions I picked out years ago. 
The only way I get access to my account is threw the Best Buy app. When I tried to change/update the Security Questions/Answers, it wants to answer the Security Questions that I forgot the Answers to. 
My 1st secure message to them was about " Part 1 ''.

My 2nd secure message to them was mostley about " Part 2 '', THEY REFUSE ANSWER my 2nd message.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. Validate Account Account Number : XXXX Please remove it from my credit report. 
Validate Account Account Number : XXXX Please remove it from my credit report. 
Validate Account Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX there was inquiries on my credit report from XXXX  CA, XXXX, XXXX, FORD CREDIT, and XXXX  without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove the security freeze off of equifax for 30 days. I'm so tired of these foreign people. I've sent in passport, drivers license and utility bill and they keep giving me the run around. Talking about I have a mixed file. I have no issues with XXXX or XXXX. I just moved and updated my address with all 3 credit bureaus and sent in all documents. I will also attach documents along with this complaint. I keep getting hung up on when I call. So I want to file a complaint and if this doesnt get resolved. I will file a law suit against Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sick and tired of filing complaints on here to Equifax and they are lying to me and to the CFPB. This is the second time I file a complaint about fraudulent inquiries on my credit report and they respond that those inquiries have been removed from my credit and are still there, now because they are not fixing it they blocked my account online. I will include screenshots of everything. If this doesn't get fixed right away I will hire a lawyer to sue Equifax. The report was on XX/XX/XXXX and still shows the 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