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

Have filed multiple disputes with the company they dont issue temporary credit as required per Regulation E. They send generic autogenerated messages that dont address the customer concerns. I have received the same email now XXXX times with the same exact message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute a credit card put on my credit report that I do not own but experian reports that the information should remain.
Product: Debt collection

I am reaching out to request assistance with a debt appearing on my credit report that does not belong to me. I have previously contacted the credit reporting agency and the creditor to dispute this entry, but they have refused to remove it despite my providing evidence that the debt is not mine. This inaccurate information is negatively affecting my credit, and I am urgently seeking resolution. 

I am requesting that the CFPB investigate this matter and assist in ensuring that my credit report accurately reflects my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several calls to this collection agency regarding double reporting on my credit bureau report. Nobody has any desire to speak with me and just go back to the balance I owe. Date of first delinquency is  XXXX   XXXX ,  2014  and date assigned matches. They double reported on  XXXX .
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I graduated from college in XXXX. I have a FFEL loan and was awarded a Pell grant. I was waiting to consolidate my privately held loan since we had until XX/XX/XXXX. With the abrupt change I no longer qualify for cancellation. I have a PELL grant and qualify for the forgiveness but an abrupt change in policy took that from me. I made payments during COVID. I feel like this is unfair and students with PELL grants should qualify regardless of who hold the loan. Please amend the XX/XX/XXXX policy change!
Product: Payday loan

The amount that it says I borrowed, XXXX, was not the amount deposited to me. And I was not aware of the finance charge of {$5000.00}. Was not present when borrowing the money. Appeared after.
Product: Credit card or prepaid card

On XX/XX/2021, I received a call from Barclay 's Fraud Department regarding charges billed to me. I verified I did not make any of the charges and verified that I had both credit cards associated to my account. All transactions were credited and was to be investigated by their fraud department. One charge was rebilled to me on XX/XX/2021 in the amount of {$1200.00} because I used this vendor in the past and had to prove that it wasn't my charge. On XX/XX/2021, I faxed all information to XXXX. Fraud team was to review and call me back on XX/XX/2021 and so far no one has. Just recently received my credit card statement and the charge is still there. I constantly call the Investigation Unit at XXXX and no one picks up. Average time I spend waiting is 1 hour. I receive letters in the mail advising I am not responsible for charges I did not make, however, Barclays is holding me responsible for this charge. I called the regular JetBlue number and they found and emailed me a copy of the transaction and advised me transaction is consistent with fraud. My credit card was used to purchase roundtrip tickets and was canceled within one hour and instead of being refunded, it was refunded to a XXXX XXXX that it not associated with my account. Investigation unit continues to hold me responsible for the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a copy of my credit report twice to no avail.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with GM FINANCIAL on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but GM FINANCIAL took cash. The Finance charge is supposed to include insurance, but GM FINANCIAL made me purchase insurance separately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX  and  XXXX   XXXX   2017   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  texas  XXXX   XXXX  placed an inquiry on my credit report without my consent or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I discovered inaccuracies on my report and decided to send a dispute letter to address the issues. There is different open dates reported and multiple other inaccuracies. Hyundai Capital America has multiple complaints on XXXX  for credit reporting and has over 550 complaints on CFPB for credit reporting issues!
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, Transunion and XXXX have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Transunion and XXXX have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, Transunion and XXXX
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$220.00}
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices which violate the Consumer financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint. 
Subject : Complaint Regarding Failure to Remove Fraudulent Accounts from Credit Report To Whom It May Concern, I am filing this complaint against TransUnion for their failure to remove fraudulent information from my credit report in a timely manner, as required under 15 U.S.C. 1681c-2. On [ insert date of dispute submission ], I submitted a formal dispute to TransUnion, including all necessary documentation such as my Police Report and the Federal Trade Commission ( FTC ) Identity Theft Report ( FTC Report Number : XXXX ), which clearly supports my claim of identity theft. 

In accordance with 15 U.S.C. 1681c-2, TransUnion is required to block the fraudulent information within four business days of receiving my identity theft report. Despite complying with all submission requirements, the following fraudulent accounts remain on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have sent this dispute via certified mail and faxed all relevant documents. However, TransUnion has not taken the appropriate action within the legally mandated time frame, and the fraudulent accounts remain on my credit report, causing significant harm to my credit standing. 

I am requesting the CFPB to take immediate action to ensure that TransUnion complies with the law and removes the fraudulent accounts from my credit report as required. I also ask for an investigation into their failure to follow the provisions set forth by the Fair Credit Reporting Act ( FCRA ) regarding identity theft disputes. 

I trust that your office will ensure a prompt resolution to this matter and hold TransUnion accountable for any continued non-compliance. 

Thank you for your attention to this urgent issue. 

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

XXXX XXXX XXXX Account NumberXXXX XXXX XXXX  Account NumberXXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX ( XXXX ) XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint on XX/XX/24 with XXXX, XXXX, and TransUnion via the CFPB. I asked them to remove some inquiries from my credit report that did not belong to me, but they would not comply. These unauthorized inquiries are a result of identity theft. 15 U.S. Code 1681c2 states that ( a ) BlockExcept as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of theconsumer ; ( 2 ) a copy of anidentity theft report ; ( 3 ) the identification of such information by theconsumer ; and ( 4 ) a statement by theconsumerthat the information is not information relating to any transaction by theconsumer. I attached the a list of the unauthorized inquiries as well as my FTC report. THESE TRANSACTIONS WERE NOT MADE BY ME. I NEVER GAVE WRITTEN CONSENT TO PULL MY CREDIT. YOU HAVE 4 DAYS TO REMOVE THESE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT!
Product: Credit reporting or other personal consumer reports

This is the second time I make this request the following two accounts I do not recognize and I suspect they are the product of identity theft, I have already inquired directly with XXXX but they have not been able to furnish me with any proof, the accounts in question are : XXXX XXXX {$2500.00} XX/XX/XXXX  XXXX XXXX XXXX These items were once removed from XXXX and Equifax but they have put them back, I know theres a law that forbids credit bureus from doing this. I need accountability here, that is why I am filing this report. 

I am attaching a copy of a complaint I made last month.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my updated credit report, I have seen incorrect and misleading information that your company is currently reporting. According to my records, you have shared incorrect information about me which is a violation of my privacy rights. 

This information should not have been shared without my express permission. 

-- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX
Product: Mortgage

This is a short sale with CitiMortgage. Everything has been approved except for the purchase price. The licensed INTERIOR value by a local XXXX appraiser who went out to the property was XXXX. CitiMortgage 's employees in XXXX pulled computer comps and are demanding XXXX with no doubt the outstanding balance in mind ( not fair market ). Short Sale Lenders are to use the actually licensed Appraisal, but CitiMortgage is taking it upon themselves top use their own computer comps. They even told me..no one was supposed to tell you that bank ordered value.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your assistance in getting the following items removed from my credit file. These items are reporting as a result of identity theft. I have sent dispute letters on XX/XX/XXXX and again on XX/XX/XXXX to all 3 credit agencies with no results. The following items are reporting as a result of fraud : XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$330.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$5700.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$3800.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$320.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1500.00} ( XXXX, TU, XXXX ) XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1200.00} ( TU & XXXX ) XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$220.00} ( TU XXXX XXXX ) XXXX - Opened XX/XX/XXXX Bal : {$640.00} ( XXXX, TU, XXXX ) XXXX XXXX - Date Opened Bal : ( {$0.00} ) The following items are reporting inaccurate late payment for the following items : XXXX XXXX  - 30 days late in XX/XX/XXXX ( TU & XXXX ) XXXX XXXX - 30 days late in XX/XX/XXXX ( TU & XXXX ) XXXX XXXX - 30 days late in XX/XX/XXXX ( TU & XXXX ) XXXX XXXX - 30 days late XX/XX/XXXX - XX/XX/XXXX & XXXX - XX/XX/XXXX XXXX - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, TU & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, TU & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, TU & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, TU & XXXX ) The following inquiries was not authorized by me : XXXX XXXX  XXXX XXXX XXXX  - 9 Times XXXX  - 2 Times XXXX XXXX XXXX XXXX - 13 Times XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act+ ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent anc address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution proces. was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act1980 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and Repanciaolower and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Dispute of Fraudulent Accounts and Inquiries on My Credit Report Dear Sir/Madam, I am writing to formally dispute fraudulent accounts and inquiries that appear on my credit report. After reviewing my report, I have identified several unauthorized accounts and inquiries, which I believe are the result of identity theft. These items are negatively impacting my credit score and hindering my ability to obtain credit, including purchasing a home. Please investigate the following fraudulent accounts and inquiries and remove them from my credit report promptly. 

Fraudulent Account : XXXX XXXX XXXX 
Account Number : XXXX Amount : {$490.00} Account Status : Unknown Date Opened : [ Insert Date or " Unknown '' ] I did not open this account nor do I recognize the {$490.00} charge. Please investigate and remove this account from my credit file. 

Fraudulent Inquiries : The following inquiries were made without my consent or authorization. Please remove these fraudulent inquiries from my credit report : XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX. XXXX, XXXX These inquiries were not authorized by me, and I believe they are fraudulent. I request that you remove these inquiries from my credit report. 

Relevant Laws and Rights : Under the Fair Credit Reporting Act ( FCRA ), specifically : Section 609 ( 15 U.S.C. 1681g ) grants consumers the right to dispute any inaccurate or incomplete information on their credit report.

Section 605B ( 15 U.S.C. 1681c-2 ) allows consumers to request the removal of fraudulent accounts and inquiries if they were victims of identity theft.

Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to investigate disputes within 30 days of receiving a dispute notice, and to correct or remove any information that is found to be inaccurate or unverifiable.

Additionally, under the Fair Credit Billing Act ( FCBA ), you are entitled to dispute fraudulent transactions and request that they be removed from your credit report.

I am requesting that you investigate these fraudulent accounts and inquiries immediately and take corrective action as required by law. I also request that you provide me with an updated copy of my credit report once these items have been removed.

I have enclosed a copy of my identification and proof of address to verify my identity. I ask that you complete this investigation within the time frame prescribed by the FCRA and provide me with written confirmation of the results. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX the XXXX, XXXX, my PayPal account was permanently closed upon company 's decision over a limitation imposed under the account, stating that I was " a potential risk '' if I continued being a PayPal customer. PayPal established a deadline of six ( 6 ) months to withdraw the left money on my account ( {$700.00} ). Time passed and the principal requirement was met to withdraw the funds. In fact, on XXXX the XXXX, XXXX, I received an e-mail claiming that I was, at that time, able to begin processing the withdraw of the money left on the account ; however, despite all requirements were met by me, PayPal refused to add a bank account into the account and then pull out funds. Indeed, I got in contact at least ten times with the company and none of their employees helped me out as they " were not able to do anything about '' or " my case would be sent to a specialist, then a response would come after a few business days. '' Other employees would ask for additional information about the bank account 's owner that was supposed to receive the transfer of funds as I personally don't have an American  bank account ; although all evidence was submitted, nothing came out of that. Bank account wasn't added into my PayPal account and my money is still stuck on the account.
Product: Money transfer, virtual currency, or money service

Received email from Coinbase indicating that a transaction was attempted using my name and information. The email included an attachment and case ID number. I did not initiate the transaction nor have I ever heard of this company. I tried to contact Coinbase by going to their website, but there was no way to report fraud or identity theft without an ID number for an account, which I don't have. I did not open the email or attachment.
Product: Credit reporting or other personal consumer reports

The inaccuracies for XXXX : XXXX is missing the closed date, Experian is missing the closed date and the remain on the record until date is listed XXXX/XXXX. XXXX on the record date is listed XX/XX/XXXX. 

XXXX inaccuracies : XXXX list 's paid as agreed and closed date XX/XX/XXXX. Experian does not have a closed date and does not say paid as agreed, but only paid and closed. XXXX 's closed date is listed XX/XX/XXXX. 

XXXX inaccuracies : XXXX has no closed date, date updated or remain on the record info. Experian has no date closed, the update date XX/XX/XXXX and the on the record until date is XX/XX/XXXX. XXXX date closed is XX/XX/XXXX and on the record until date is XXXX
Product: Mortgage

we pay our taxes separate from our taxes my mortgage company paid them by mistake when i called them told them the mistake and said if they send a request the tax office will refund them they refuse they said my tax office sent a letter stating we were diligent which is not true the tax office said my mortgage company by law would need a tax code in order for them to pay my taxes this is fraud on there at first when we called they said they would request the refund now they say want us to send them a check we do not trust them someone made a terrible mistake and they want us to pay to cover it up
Product: Mortgage

In XXXX, XXXX and XXXX of XXXX my monthly mortgage payment increased from {$XXXX} to {$XXXX} as a result of property insurance that was added to my escrow account. 

In XXXX of XXXX, I made of a payment of {$XXXX} to be applied to my monthly payments ( principal and interest ) as follows : {$XXXX} + {$XXXX} late fee for the months of XXXX, XXXX, XXXX and XXXX. 

In XXXX of XXXX, after I learned that only {$XXXX} had been applied to my principal and interest and that {$XXXX had been used to pay for fees, I made a verbal request via the phone to have my payments applied as described above. I also learned that {$XXXX} was also charged in fees. 

In XXXX of XXXX, I learned that my request had not been granted and when I reached out to my mortgage servicer, they indicated that I was obligated to pay for the fees assessed and was offered the fax number for the customer research department. 
I also learned that despite my ongoing payments, my account was still underpaid by {$XXXX, that the bank was holding {$XXXX} of my funds in a hold ( suspense ) and that I was still carrying a balance of {$XXXX} in uncollected fees which breakdown into {$1900.00} attorney fees from XX/XX/XXXX, {$XXXX} fee from XX/XX/XXXX for property inspection and {$XXXX} late fee from XXXX.