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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any INQUIRIES which is found to be fraudulent. 
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 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 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
Product: Debt collection

I believe that this alleged debt us fraudulent, because according to the date in question I was insured through XXXX have been employed at XXXX for Aprox. 5 years. So as XXXX of these facts there is no way that I owe any hospital.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the unavailability of my XXXX XXXX from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. 

Please see and review the attached file for what I am complaining about. Initiate immediate actions for this. thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that has been re-reported by XXXX. XXXX, XXXX, located at XXXX XXXX XXXX, XXXX XXXX, MN XXXX, on my credit report. The details of this dispute are outlined below : Background Information : Previous Deletion : In 2023, the information provided by XXXX. XXXX, XXXX was deleted from my credit report after being found inaccurate. 

Re-reporting Without Notice : Despite the previous deletion, XXXX. XXXX, XXXX has re-reported this inaccurate information on my credit report without sending me the required 15-day notice, as mandated by the Fair Credit Reporting Act ( FCRA ). This is a clear violation of my rights.

Violation of Privacy and Lack of Consent : As a consumer, I have the right to privacy, and I did not give XXXX. XXXX, XXXX permission to obtain or report any information related to my credit or personal data. Under XXXX XXXX. XXXX, no third party, including XXXX. XXXX, XXXX, may access my credit report or report information to the credit bureaus without my express written consent.

The re-reporting of this information without my consent is not only a violation of my privacy rights, but it may also be considered identity theft under applicable consumer protection laws. 

Thank you for your attention to this matter. I look forward to your timely response and resolution of this dispute.
Product: Debt collection

I entered into a settlement agreement with XXXX XXXX XXXX XXXX XXXX to payoff an outstanding charge off with American Honda Financial Corporation. The settlement was paid in full as agreed on XX/XX/2020 and XXXX confirmed that the debt had been settled. American Honda Financial Corporation, on the other hand, refuses to accept the settlement and is still reporting an outstanding balance of {$670.00} to the XXXX  credit bureau. They have also reported this account as a charge off on 11 different occasions, lowering my credit score each time it is reported.

I have been unable to contact American Honda Financial Corp by phone ( I have been on hold for up to 50 minutes at times ), their phone system was also down for a full week ( first week of XXXX ), and they have not responded to written correspondence.
Product: Checking or savings account

I have a cashier 's check for the amount of {$16000.00} from Wells Fargo dated XX/XX/17 with no expiration date. 

I mobile deposited to my XXXX XXXX account which accepted the check. It was then denied payment and returned by Wells Fargo. When I call, they will not verify the status because they say that the account number isn't one that they know. 

This came from their NY branch. They told me I must go to their NY branch to verify, but we are in the middle of the COVID crisis and they have no branches open unless you are a customer. 

They are holding a significant amount of money that I need to pay for my families bills during this trying time, but they are doing nothing to help.
Product: Credit reporting or other personal consumer reports

i am disputing the accuracy of an entry of my credit report from XXXX. While my car loan was financed through XXXX, the loan service XXXX  has been reporting to the credit bureaus however bridgecrest is not authorized, as per loan agreement with XXXX, to report this information to the credit bureaus. 
Details XXXX. XXXX is reporting my loan payments to the credit bureaus but they are not listed in my contract with XXXX  as the authorized servicer. 
XXXX. I have contacted the credit bureaus previously but there has been no clear resolution regarding their reporting practices. 
XXXX. I believe XXXX  is reporting Inaccurately or without the appropriate legal authority.
Product: Vehicle loan or lease

I was less then 30 days late on payments. I have always paid it head, on time, or less then 30 days before next payment is do. I'm trying to keep my credit good and increase my score and show people I'm serious about rebuilding my credit after bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I filed a proper dispute of two unknown medical accounts being reported to Experian by XXXX XXXX XXXX ( account # XXXX and account # XXXX ). On XXXX I contacted XXXX XXXX XXXX with a dispute and request for validation on these medical accounts per instructions from Experian. I re-disputed to Experian with a copy of my dispute/validation letter to XXXX XXXX XXXX, along with proof of the collection agencies receipt of the dispute. Experian has refused to properly investigate or remove these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiries that were reported as follows XXXX XXXX  XXXX, XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Attempted to dispute inquiries with all 3 credit bureaus and were coming back as validated when clearly I have not attempted and had no awareness of attempt to open listed accounts above.
Product: Credit reporting, credit repair services, or other personal consumer reports

YESTERDAY XX/XX/2020 I WENT TO TRY TO PURCHASE A HOUSE WITH XXXX XXXX AND WAS DENIED FOR HAVE 5 NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I HAVE NEVER AUTHORIZED ANY OF THESE ACCOUNTS FROM BEING OPEN NOR HAVE I EVER LET XXXX XXXX OPEN THESE ACCOUNTS IN MY NAME. I HAVE NEVER BENEFITED FROM ANY OF THESE ACCOUNTS EVER BEING OPEN OR HAVE RECEIVED MONEY OR GOODS IN GOOD FAITH FROM THE ACCOUNTS. PLEASE REMOVE THEM FROM MY CREDIT REPORT. I HAVE FILED A POLICE REPORT REGARDING XXXX XXXX AND THE ACCOUNTS THAT HE OPENED. 


I HAVE REACHED OUT TO EVERY COMPANY THAT OPENED THESE FRAUDULENT ACCOUNTS. PLEASE SEE ATTACHED DOCUMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

I request a credit freeze/block/pin for XXXX, XXXX, XXXX and Lexis Nexis.
Product: Credit reporting or other personal consumer reports

Fraudulent unauthorized credit inquiries with no line item link to credit report caused by identity theft.
Product: Credit reporting or other personal consumer reports

There is a fraudulent account that Kohls is reporting to credit bureaus. This was not my account and I never had an account at Kohls. I have provided the police report to Kohls along with identity theft report, in addition to requesting how the verification was done. I also asked a call transcript that Kohls agent XXXX ID # XXXX told me that I would be able to request from the email XXXX after our call and when I requested, I was told I would have to get a subpoena. I informed them of what I was told and I am sure that they can hear it in the call. No one has responded
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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX- Account number XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX number XXXX, has violated my rights. 
XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX, has violated my rights. 
XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX, has violated my rights. 
XXXX  Original creditor : XXXX XXXX XXXX MD XXXX Account number XXXX, has violated my rights. 
XXXX  Original creditor : XXXX XXXX XXXX Account number The unique number assigned by a creditor to identify your account with them. We hide several digits of the account number to protect your information from identity theft. 104521XX, 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 furnished an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer agency may make any consumer reports containing of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) Section states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit profiles for months and there were fraudulent accounts that were on my profile and one was removed, but re-inserted and I was not notified in a timely manner. However, the XXXX account was reinserted damaging my credit profile. Also, XXXX, whom has told me to contact the credit bureaus in regards to this to get these accounts disputed or removed.
Product: Debt collection

I was notified my credit score was decreased by over XXXX points because Aargon Agency submitted a delinquent record. I have no dealings with a Aargon Agency and have been in dispute with the totals directly with XXXX XXXX. 

I received zero communication via phone nor written correspondence from Aargon before adversely impacting my credit. XXXX consumers have to work twice as hard to maintain good credit. I had a score well above XXXX for it to be demolished overnight. 

This is something that should never be permitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the company regarding my credit and they sent me this letter voluntarily. Sent it to all 3 credit bureaus and they sent back letter stating verified/updated when i want the account removed as per letter they stated they would dismiss. I called Credit bureau and was told they reached out to company and was told account was acurate and they werent removing account
Product: Checking or savings account

On XX/XX/XXXX, my husband 's hotel room was broken into and his wallet and cell phone were stolen. As a result of this theft, multiple fraudulent charges were made on the credit card associated with USAA and debits were made from our USAA account. In addition to this a XXXX transaction in the amount of {$1000.00} was made to someone named XXXX XXXX. USAA reimbursed us for the debit charges and reversed the credit card charges but they will not refund the money STOLEN from us. We have reopened the fraud case twice and they have denied it once and have not responded to it the second time. We do not know who that individual is, have never used XXXX to send him/her money before and have NEVER sent that much money by XXXX previously XXXX Also that transaction occurred on the same day as all the other fraud associated with my husband 's cards. USAA is in violation of Regulation E of the Electronic Transfer Act of the United States of America and needs to refund our checking account the {$1000.00} that was stolen from us.
Product: Credit card

I noticed my card limit decreased from XXXX to XXXX. called and inquired about it and they said i had a late payment reported to one of the credit bureaus. i had a copy of my credit file and there has been XXXX late payments reported on there. i asked him to double check and provide me the information he found. he said that he would be the same person looking into it and he would not do it only give the same conclusion. i filed a complaint with Wells Fargo on this and no action has been taken to date. apparently this happened in XXXXXXXX XXXX XXXX and they sent a letter to notify me, however i never received said letter and asked for a copy of what was sent. still have not recieved it.
Product: Checking or savings account

Hello Sir/Madam, I am complaining about the www.SBICAL.COM Bank. It is actually State Bank of INDIA ( California ) with head office at XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX Tel : XXXX. 

I have checking account ending with # XXXX. I have maintained my account from past 5 years. I have checking account and minimum balance is {$250.00} without any fee. I maintained {$250.00} as per requirement So, in XX/XX/XXXX they made my account dormant and applied dormant fee {$2.00} to my account because of no activity on my account from past 2 years. They said that they have sent me a letter in regards of dormant of account which I did not receive it. So, from there on since my minimum balance has fallen down, they have been deducting {$10.00} + {$2.00} every month & up till XX/XX/XXXX, they have deducted {$120.00} so far. 

Since there was no activity on my account, I never bothered to look at my bank statements where it has been constantly deducting {$12.00} every month. At least they should have called me or sent email about my account which they never bothered to do it. 

My question is when they made my account dormant, why r they charging me {$10.00} for minimum balance payment being not maintained? This is very unfair given Covid pandemic, I could not go to bank for more than a year given the health condition and risk factor. 

Bank was un-cooperative when I complained about this unfairness. There have been lot of other banks which gave concession in these Covid situations, but this bank is not helpful to me. They have been simply penalizing me every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine 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 FCRA Violation credit card not mine XXXX XXXX XXXX XXXX FCRA Violation public record not mine XXXX XXXX Bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union fa iled to correct wrong information on a public record, a N Y State in come tax lien causing me to lose a {$10000.00} a month contract and is now o  n Public Assistance and about to be evicted.
  XXXX   and  XXXX  corrected the information and removed the Lien on   their reports since  XXXX     2017  howeve r Trans Union r efused to do so.   The amount reported is incorrect, the address was incorrect, there was no Social security # identifying me.   This has ruined my family 's life.   I understand that as of  XXXX   XXXX ,  2017 , this information will no longer be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I am very surprised about the response that you sent me for my last complaint, with the identification number XXXX, from XX/XX/2023. 
Simply, and very easily, my American Express credit card that ends in XXXX does not appear on all three credit companies ' reports, that includes XXXX XXXX, XXXX, and XXXX. 
It only disappear in the last month, and I do not know by who this occurred, as it always appeared every other month since I had this card. 
I submitted a complaint against all three credit companies, XXXX XXXX, XXXX, and XXXX. 
All three of them told me to contact you. 
And it is very strange that you are telling me to contact them. 
Someone is making a joke from this entire ordeal. 
Please take care of this, and make sure that this American Express credit card, which I am using actively, and is active, and again I say, that ends in XXXX, appears in all three companies ' credit reports, and does not tell me history stories. 
I would like to mention that on your credit report too I checked, and it does not appear on your credit report either. I have three credit cards with you, and another personal loan on my account as well. 
Two of my credit cards, American Express XXXX XXXX, and American Express XXXX XXXX, as well as my American Express Personal Loan, all appear on my credit report, excluding my final third card, ending in XXXX. 
And it is strange that this card ending in XXXX is the only one that does not appear. 
And all of the three credit companies tell me to contact you.

And you send me to the three credit companies. 
So what is not correct, is all of you have an issue. 
I expect that this will be the last complaint that I will submit here and that you fix the issue. 

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

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card

XXXX XXXX XXXX received a payment of {$95.00} and the work was very terrible and incomplete. The charges and repair list provided from the business was provided to the bank and the bank failed to thoroughly complete the investigation.