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

There are inaccurate items on my report being bankruptcies that states a XXXX XXXX as Plantiff these are inaccurate I havent not filed Bankruptcy in Texas these are fraudulent and need to be removed I will be opening a fraud case with the U.S. government.
Product: Debt collection

Hard inquiry letter XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXXXXXX BOA XXXX XXXX To whom this may concern I am writing to request the removal of unauthorized credit inquiryon my XXXX, XXXX and/or XXXX ) credit report. My latest credit report shows aloan inquiry that I did not authorize. 
I writing to dispute the following inquiry and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I received a newsletter to my home address with incentives to open a Citizens Bank checking account. The incentivized newsletter offered up to $ XXXX for opening a new Citizens Bank XXXX account. My fiancee and I went to Citizens Bank XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX open an account. My fiancee advised this location was the closest to our home address. When we arrived at Citizens Bank we were told to come back as the only individual who can open our account, XXXX XXXX, was out. We arrived back hours later as requested to commence the opening of our new account in hopes to start a new banking relationship. When we arrived back we were met with many questions and felt extremely discriminated against. Although having two forms of identification and emailing over proof of address we were told we had to bring in our social security cards, by this time the bank was closing and we would have to come back the next day. We spoke with branch manager XXXX XXXX at the time and he advised he could not confirm our identities with our XXXX issues photo identifications, our XXXX XXXX XXXX XXXX XXXX and our billing statement from our joint XXXX XXXX  XXXX. This was alarming to me because no other financial institution has requested more documentation outside of two  forms of identification. Although we found this strange we obliged and the following day we brought in our physical social security cards. At this time XXXX XXXX moved forward with our application and branch manager XXXX XXXX followed through with opening our account. Comments were made that suggested/insinuated that we were not who we are and alleging that we were committing identity theft. My fiancee and I still decided to give Citizens Bank branch XXXX a chance. Most recently on XX/XX/year> I arrived at the above referenced location to deposit a check made out to me from XXXX XXXX XXXX for my vehicle. The check was in the amount of {$38000.00}, it was made out to my business in care of myself. The documentation is addressed to me and also I have proof of owner ship of the business as I am the sole owner. Due to the repayment being for my personal use I had no intentions of depositing it into a business account and decided to deposit it in my personal account that I have with Citizens Bank. I was denied the right to do so. It is not unlawful to deposit a check made out to me and my business to myself. I have done it before with other banking relationships. My fiancee and I requested to speak to management and we were met with branch manager XXXX XXXX once again. He advised that he will not be able to deposit my check. I requested literature in writing of said banking practice that he did not provide to me. My fiancee and I feel that from the very first day we have been targeted and discriminated against in regards to our account. We have not received the $ XXXX as promised for opening the accounts ( which would total to {$1200.00} as we opened two accounts ) and making the applicable deposits and we have not been treated fairly AT ALL. Please advise on how we can move forward to rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My card was sold to another company. The payment agreement I had with XXXX did not transfer to Barclays. The autopay continued to work until it suddenly stopped. This resulted in a pst due payment reported. Is this allowed? I certainly would have paid the proper company had I known.
Product: Credit reporting or other personal consumer reports

I received a debt notice, along with renewed judgment, on XX/XX/year> in re : transactions that were not made by me. I never gave written consent to XXXX XXXX XXXX, XXXX XXXX XXXX, nor XXXX XXXX XXXX ( XXXX ) to report or furnish my information on my consumer report or any other entity.
Product: Credit reporting

I had disputed the amount I owed to XXXX. The dispute was resolved in my favor. I asked Transunion to remove the " remark '' as it had a negative effect on my credit score. After contacting CFPB they finally did. Now the remark is back on my credit report, and my credit score has dropped again. So I need CFPB to AGAIN contact Transunion to have them remove the remark please. I hope that Transunion will get their act together. It is very frustrating and negatively affects how lenders may view me. Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which resulted in fraudulent accounts being opened in my name after my wallet, containing my ID and Social Security card, was stolen. Additionally, my personal information was compromised due to the XXXX and Equifax data breaches, which likely contributed to the fraudulent activity. As a result, the following fraudulent accounts were reported on my credit file : XXXX. ) XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. ) XXXX Account # XXXX I have provided an FTC Identity Theft Report and a police report verifying the fraud. Despite submitting a dispute to the credit bureaus under FCRA Section 605B ( 15 U.S. Code 1681c-2 ), these accounts have not been blocked from my credit file within the required four-day period.
Product: Debt collection

I have a car loan thru XXXX XXXX that is current and the next payment due is XX/XX/XXXX. The car was stolen and totaled in XX/XX/XXXX and was located confiscated by the XXXX XXXX XXXX. XXXX XXXX told me they would retrieve the vehicle from impound, auction it and put any remaining monies to the remaining amount of the loan. They advised this would be about a 90 day process. I advised XXXX XXXXl that I would continue to make my payments until the process was complete and I receive a final balance. I have paid as promised and only owed about {$500.00} total on the initial lease. I made a double payment on XX/XX/XXXX. I spoke with a representative when I made the payment and no update was given on what the final balance would be. 

I get an email on XX/XX/XXXX from WestLake Portfolio Management, a collection agency advising me the remaining amount of my lease has been sent to them for debt collection. They advise I owe {$1300.00} for a repossession. I called and verified this with them. 

I never received a letter, email or phone call from XXXX XXXX about the final amount owed. I also never missed a payment. My online account shows current as well as my credit report. 

WestLake Portfolio Management is trying to collect on a false debt and XXXX XXXX placed it there on false terms.
Product: Credit card

XX/XX/XXXX, received email solicitation from Discover Card Services described as " Earn up to {$60.00} extra cash back at Grocery Stores '' with details described as " earn an extra 6 % cashback bonus at grocery stores on up to {$1000.00} in new purchases through XX/XX/XXXX. '' The email included an 'Activate ' button for the offer. Same day, I activated the offer ( confirmed by screenshot of the web page AND by Discover customer service chat ). On XX/XX/XXXX, I used the Discover card to make a {$500.00} purchase at XXXX ( MCC coded 'Grocery Stores and Supermarkets ' per Discover ). This purchase posted to my account with only default 1 % bonus instead of the " extra 6 % advertised. '' On XX/XX/XXXX, I contacted Discover customer service via chat to address the issue. Chat representative 'XXXX ' confirmed I had enrolled in the bonus offer sent to me, and that the purchase would qualify, but to 'wait a while ' for the correct bonus to be posted. It's been 3 months. I indicated to the representative that I would like to know that the bonus will indeed be posted, as it would influence whether I used the card again for grocery purchases ( if they're not going to pay the advertised bonus, I would simply use XXXX or other ). Representative placated me, and simply told me to 'wait. ' On XX/XX/XXXX, I received a follow-up email from Discover marketing reminding me to take advantage of the offer they had previously solicited to me. On XX/XX/XXXX, based on that follow-up email and on the advice offered by the Discover chat representative, I used the Discover card again to make a grocery store purchase. This time, in the amount of {$500.00}, at XXXX ( also MCC coded as " Grocery Stores and Supermarkets '' per Discover ). That purchase posted, just like the previous one, with only the default 1 % rewards awarded, rather than the " extra 6 % '' advertised in the promotion. It's been a month. On XX/XX/XXXX, Discover sent another email reminding me that the promo had ended with subject line " Your extra cash back offer may have ended ... but don't forget about these exclusive features. '' On receiving that email, I contacted Discover by chat and provided the above details, at which point the representative disconnected the chat, which was reopened by another representative ( with all the lengthy details above deleted ). This is unacceptable customer service, and a failure to honor the offer Discover solicited me into. To date, I have received {$10.00} in the default 1 % cashback rewards baked into the card itself. I have received ZERO of the " extra 6 % '' from the offer ( which would be {$60.00} -- as limited by the {$1000.00} max purchase of the offer ). The {$60.00} due to me needs to be made available in my rewards balance promptly, and perhaps they can figure out a way to get me back the literal hours of work I've had to apply to resolving this issue. All facts stated above are documented in the attached PDF.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed a series of inquiries that I do not recognize, for which I have already disputed with the credit bureaus. However, they have not provided me with the information that could validate them, which has led me to file this complaint for their removal, as they are incurring in violations of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA. 

The disputed inquiries are as follows : XXXXXXXX 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/year> EXPERIAN XXXX XXXX  | XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examination of my records, I discovered these late payment notations. I sent correspondence about this issue more than 30 days ago but have not received any response, nor has adequate validation been provided. I request your help in addressing this matter swiftly and efficiently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed a new/old collection acct on my TransUnion credit report. Contacted TransUnion this acct was previously on my credit report with XXXX XXXX for XXXX in which I filed a police report due to Identity Theft. The collection was removed sometime in XX/XX/XXXX. I received notification that the XXXX acct is now using XXXX XXXX as the debt collector and that the collection would not be reported to any of the credit bureaus and they provided me with a letter on XX/XX/XXXX and notified all reporting agencies for all credit bureaus to delete this acct from my credit report. XX/XX/XXXX I was notified that the collection for XXXX XXXX for XXXX is reporting on my TransUnion. I contacted and spoke with XXXX in the Special Handling Department of this error and uploaded the letter from XXXX XXXX as well as the police report and provided the AUD ticket # to delete immediately. XXXX informed me that the only communication they use to remove a derogatory mark is via dispute and it could take up to 30 days and in the meantime, I have to suffer with a 75 point drop to my credit risking being denied approval for housing and credit for my business since PG is required. This is not fair that this collection acct keeps making its way back onto my credit report affecting my credit profile. I have asked for this to be removed and deleted from my report immediately. TransUnion is behind in time not able to assist with urgent life affecting matters as this.
Product: Checking or savings account

Hello. A few months ago I opened a savings account with Amex. Thought it was good account so I deposited my work check into my account. Not even a week later they close my account and tell me they will not release my money back to me in a check. Which is their legal obligation as a bank. They can not keep funds that dont belong to them. They tell me I need to have the issuer write me a new check but the issuer is unwilling because the check was already cashed and gone through. The money was in my available balance upon closure but is apparently unable to be returned to me. I have tried to work it out with the bank and the issuer and have not had any luck. Its a lot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that my student loan fell under the Cares Act law which went into effect XXXX XXXX and were scheduled to expire XX/XX/2020. Today is XX/XX/2020. The negative report for my student loan was put on my credit report with XXXX, XXXX and XXXX. This is illegal considering the cares act law.
Product: Credit reporting, credit repair services, or other personal consumer reports

With full faith and credit, I kindly request that the CFPB conduct an impartial review of this matter and engage in discussions with XXXX, Equifax, & XXXX to encourage a fair resolution. My objective is to have the inaccurate late payment entry removed from my credit report, thereby rectifying the unjust impact it has had on my creditworthiness. 

I appreciate the efforts of the CFPB in ensuring that consumers ' rights are protected and that credit reporting agencies uphold their responsibilities. I believe that with your intervention, this matter can be resolved in a manner that is fair, just, and compliant with the FCRA. 

Please provide me with confirmation of receipt of this statement and any updates on the progress of the mediation. I am available to provide additional information or answer any questions that may arise during the mediation process. 

Thank you for your attention to this matter. I look forward to a positive resolution with the assistance of the Consumer Financial Protection Bureau.
Product: Debt collection

I have received several calls from an UNKNOWN number. 3 times per day. My understanding is that they are not allowed to call from UNKNOWN numbers. Last called I answered and she identified herself as XXXX XXXX from Midland Credit Agency. Call received XX/XX/2019 @ XXXX ( MT ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the XXXX XXXX XXXX ( XXXX  ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately. 


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

I am filing a complaint against cash app ( block, inc. ) due to their inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Cash app has failed numerous times to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Also, their dispute resolution process was unfair and very 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

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. 


Account Name : XX/XX/XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XX/XX/XXXX# XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any 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 ) 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: Checking or savings account

My checking account with Wells Fargo Bank is negative {$1600.00} due to Wells Fargo withdrawing my money. There were three transactions of {$190.00}, {$500.00}, and {$880.00}. The bank has given zero real explanations as to why they have withdrawn that amount of money, all they said was that it was something global within the bank and they could not tell me more. The transactions have a description in my account of " Reversal of temporary credit provided for negative balance prior to stimulus payment ''. When I called the customer service line to ask what that meant and why they took that money the agent said that it was a credit I was given and then they take it out after 6 months of having given it and I was never given any alert or message as to the bank ever have given me any credits or that they were taking the money out of my account now. No one at the bank has been able to give me any explanations or reasons that make sense because they themselves do not understand what it means.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX XXXX In accordance with the fair Credit Reporting act XXXX  Account # XXXX, has violated my rights .15 U.S.C 1681 section 602. A States I have The right to privacy. 15 U.S.C 1681 SECTION 602 A. States a consumer reporting aenc can not famish an account with out my written instructions. These Items I am Disputing is from the XXXX XXXX XXXX  Website who no loner service my Account information, My Five negative Items from Experian Should be Removed because some on else Called XXXX XXXX XXXXXXXX Handel 's my loan Information and they never placed A negative Report on my Credit File.I did not Authorize nor Did I Give Them the Authority To Report this. Also my Reports are over the limit to stay on file because its been 8 years since the filing. Now if This situation does not Resolve in my Favor I will take every one to court. The Consumer Financial already helped me remove These negative XXXX XXXX Items off of XXXX XXXX XXXX. I don't understand why Experian keep Getting away with this when I Have proven The evidence Before.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a request to Equifax to lift my credit freeze from XX/XX/XXXX to XX/XX/XXXX. That letter ( which I have a copy of ) included my full name, my address ( which has been the same since XXXX ), my date of birth and social security number. As requested, I included a photo copy of both sides of my drivers license and a copy of a recent utility bill. On XX/XX/XXXX Equifax sent me a letter ( received XX/XX/XXXX ) indicating that what they have on file does not match what I sent. That is ridiculous unless they have incorrect inputs in their system which I can not account for. I no longer need to have my account unfrozen BUT I am very concerned that they could not match me to the information in my letter. That should be their job to correct.