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

This is my NUMEROUS request 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX Balance : {$9900.00} XXXX XXXX  Balance : {$910.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX CA Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, CFPB. I am writing because I am looking for the best way to solve this issue. 
Experian is reporting incorrect information, and this is hugely affecting me. I need them to investigate the following items : 1.  XXXX  XXXX XXXX XXXX. Opened date XX/XX/XXXX. Balance {$1600.00}. Limit {$1300.00}. 
2. XXXX  XXXX XXXX. Opened XX/XX/XXXX. 
Limit {$2200.00}. Closed. 
3. XXXX XXXX XXXX XXXX. Opened XX/XX/XXXX. Original balance {$26000.00}. Closed. 

I sent this company a letter on XX/XX/XXXX. They did not even investigate the account.This is a violation to the FCRA. They are being unfair and negligent. 

Please send the attache letter to Experian. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  , The firSt one is   XXXX   XXXX   {$400.00}, I have notifications from  XXXX  showing this was paid and removed. I 've disputed with   XXXX   XXXX   and experian.   XXXX   removed this debt and it showed paid. Then all the sudden. In remarks it showed I was disputing the paid account in remarks.. It was then re-inserted on all   XXXX    reports. I 've read case law where this is against consumer laws and bureaus could pay monetary damage. I was never notified of it being added back to reports. I myself found it. Next, Again is   XXXX   XXXX   XXXX  ,  XXXX .. This was a   XXXX   XXXX   account. Back in 2012 it was added to my reports but with inaccurate information the amount being  XXXX .. I disputed it was removed. SUDDENLY in  XXXX  out of no where this shows back up being reinstated on my reports under 2 different companies appearing as a different account. 5 years later. I had my debt cleaned up. I had 2 accounts left to clear up. It again is against consumer rights to have something removed and reinstated years later. They 've damaged my score and has made my credit to appear horrible and caused harm. Third and final ..   XXXX   XXXX  . I noticed a bill from a Gas company on my report. I did some investigation and it was in another state.. West Virginia and an address had been added to my credit report like I lived at said address. I sent  XXXX  proof, everything they requested to show I had not lived there. Utility bill, Id, tax returns.  XXXX  and   XXXX   XXXX   removed the account from my report. Experian has not.  XXXX  has not removed the address associated as they said they would.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased an XXXX kilowatt solar system and goodleap/XXXX  scammed me into taking a XXXX. Part of the deal was a new roof and it wasn't until after the new roof was installed that I was told by XXXX  " Your XXXX system is no longer approved you have to take a smaller system or you're not getting any panels '' when I asked " what about the new roof? '' I didn't get a straight answer out of them, they implied the contract was going to be in force regardless so under the economic duress of having to pay over {$40000.00} for a new roof alone I took the XXXX XXXX  XXXX. This was a bait-and switch scam that goodleap is profiting on.
Product: Credit reporting or other personal consumer reports

This letter is to inform CFPB that XXXX are not following the proper procedure for consumer dispute.CFPB is currently being sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. CFPB is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that CFPB investigate/ reinvestigate all previous disputes filed through XXXX and the outcome be removed today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown XXXX XXXX. Transunion alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Transunion including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Transunion to advise them of the results of my debt validation request. 

I believe that XXXX  has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX XXXX XXXX XXXX XXXX and need your urgent assistance to survive. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was 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. 


XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$5500.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX
Product: Credit reporting

This complaint is simple. A company by the name of XXXX XXXX XXXX has XXXX entries on my credit file. I have disputed them previously but they keep coming back verified. I disputed in writing to this company for validation of debt and never heard heard anything back, yet they continued with collection efforts. I found out this company is no longer is business per the XXXX website and recently entered into a consent agreement with CFPB to recoup monies illegally collected by consumers. So my question is how did the credit bureau verify a debt with a company that is no longer in business??? The phone number for the business is now a recording for a promotional offer.
Product: Credit reporting or other personal consumer reports

I am requesting a thorough review of an account on my credit report that has been repeatedly verified as accurate, despite clear evidence to the contrary. I have sent multiple disputes to correct or remove this inaccurate information, yet each response has resulted in the same inaccurate information remaining on my report.

This continued failure to address the inaccuracies violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires credit reporting agencies to ensure complete accuracy. I require 100 % accuracy on my credit report, and I urge you to reinvestigate this matter, taking into account the attached documentation, and either correct or remove this erroneous information immediately.
Product: Credit card or prepaid card

XXXX XXXX refunded XXXX tickets for {$10000.00} each on XX/XX/22. I currently have an account balance of - {$15000.00} on my US Bank credit card due to these refunds. US Bank will not refund the balance. I have contacted them via phone four ( 4 ) times and get the same answer. Due to the size of the refund, management approval is required, and will be done tomorrow. I have heard this three ( 3 ) consecutive times. Today, XX/XX/22, I heard the exact same answer. 
They received the credit of {$21000.00} from XXXX XXXX, immediately deducted my account balance, and froze my credit for {$15000.00}. Are they allowed to hold my money this way?
Product: Credit reporting or other personal consumer reports

I was completely shocked this morning to see inaccurate accounts on my credit report, and I have no clue why they're there. I check my credit report regularly, but this time, without warning, I found discrepancies. I refreshed my browser, hoping it was a mistake, but the incorrect accounts stayed there. Because of this, I'm requesting that the documents Ive sent be carefully reviewed so that I don't have to worry about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my XXXXnquires & I noticed the inaccurate inquires I am not aware of that I called & disputed 30 days ago is still on my report. I contacted the creditors & bureaus provided all documentation stating Im not aware of this. Yet this is still reporting. Please remove these inaccurate inquires from my report ASAP!. you are going against the law section 609 of the Fcra 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
Product: Debt collection

On Saturday XX/XX/2022 I was awakened by my phone at XXXX! Usually you get bad news at this time of the overnight/early morning. This was especially troubling to me as my sister just passed away XX/XX/2022 and I got the message in the early morning hour. So imagine my panic, nervousness, anxiety and stress as I reached for my phone. Once I saw the message my emotions went straight to anger, shock and disbelief! What debt collector has the nerve to contact someone at XXXXXXXX XXXX not to mention it was also XXXX XXXX XXXX weekend. I was and am beyond furious at this company 's bullying and harassment tactics! This is not acceptable on any level. The company even states on their website they can not contact you before XXXX or after XXXX. They are not following their own rules set forth by the Fair Debt Collection Law!
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX XXXX XXXX AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX
Product: Bank account or service

Pnc banks eliminated one of the few remaining customer service benefits. The machine that accepted your coins and provided you cash in exchange. Not only do they hold my money and pay no interest, now they have discontinued one of the few banking services I actually value. I guess they really do n't want bricks and mortar locations. Another consumer takeaway.
Product: Credit reporting or other personal consumer reports

As a holiday incentive, XXXX offered an additional discount for items purchased during the XXXX holiday season. I accepted the offer, provided all required personal information for the credit card request including phone and email, made a {$210.00} purchase in XX/XX/XXXX and paid the amount in full on XX/XX/XXXX. 

On XX/XX/XXXX, my wife and I moved to a new address and informed all creditors in advance or upon receipt of forwarded mail. We diligently and consistently visited our prior post office for several months after our move as recommended by our new post office as a preemptive action. We responded appropriately to any sender of our new address as necessary ( i.e. insurance companies, magazines and other appropriate companies ). After our payment of our XX/XX/XXXX purchase, we did not receive any credit card billing information or statements from XXXX. 

On XX/XX/XXXX, a {$49.00} purchase was made at our local XXXX store. While we continued to receive XXXX emails and other promotional mail after our move, we did not receive a monthly bill for the XX/XX/XXXX purchase. And, neither my wife nor I use department store cards as a regular payment means, but I did confirm today from XXXX, a XXXX credit card agent ( # XXXX ), that we apparently used our XXXX card for the {$49.00} purchase. 

On XX/XX/XXXX, we received a notice from XXXX XXXX that a charge-off amount of {$330.00} was reported to credit reporting agencies due to our failure to pay a debt. I immediately contacted the XXXX XXXX XXXX unit and was told that if it was my responsibility to contact XXXX for any information. 

I would expect that XXXX would have received notice of a change of address and the appropriate bill would have been received and paid for the {$49.00} purchase. The past due interest, late fees and compounding amounts that drove the balance to {$330.00} is very unfair and my XXXX XXXX has been reduced by over XXXX points ( from XXXX to XXXX per XXXX ) due to XXXX XXXX account servicing failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly updating my credit file a company that is now called XXXX XXXX XXXX XXXX is reported as being negative which was never the case
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. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to urgently request the Consumer Financial Protection Bureau 's intervention regarding an inaccurate debt collection entry on my credit report. This entry, reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is incorrect. XXXX XXXX XXXX  records confirm no outstanding fees. 

XXXX, TransUnion, and XXXX have failed to verify this account before placing it on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). This negligence is severely affecting my livelihood by damaging my credit standing.

I request immediate action to investigate this matter and ensure that this erroneous entry is removed from my credit report without delay. Enclosed are copies of my installation clearance records and previous correspondence with the involved parties. 

Thank you for your prompt attention to this critical issue. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I received a phone call from an Affirm account specialist regarding fraud on my account. They needed my verification code and a copy of my drivers license to verify my identity. As soon as the phone call was finished, I noticed 2 huge virtual card loans with XXXX XXXX  in an amount totaling nearly {$5000.00} with a 32 % APR taken out on my Affirm account, so the phone call was a scam. I immediately called the real Affirm and reported this and all they have said is that they will investigate it I woke up to find that they have allowed over {$1000.00} of the virtual card to be spent by the scammer so far despite them KNOWING this is fraud and despite the loan not having been processed or authorized yet! I called them again and spoke with a supervisor and they stated that until their investigation is complete that is all they can do. I reported this right away and they are STILL allowing the scammer to spend money on a virtual card on a loan under my name and refusing to do anything about it! I am absolutely horrified that they have not put a stop to this and are allowing this to go on. This company is not protecting me against this fraud and what they are doing is absolutely CRIMINAL. I need something to be done about this right away as they are not helping me at all and are completely unsympathetic and dont care about fraudulent activity happening to their users
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the FCRA, the following accounts listed below are in violation of my rights. 

XXXX Acct # XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX/XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX  XXXX  Acct # XXXX XXXX  Acct # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy and I'm invoking that right. 15 U.S.C 1681 section 604 A also states a consumer reporting agency can not furnish an account without my written instructions. Since I know instructions were not given then this is now considered fraud. I am requesting the deletion of all accounts listed above.
Product: Money transfer, virtual currency, or money service

Hello thanks for read this! 
Have a technical trouble to accss to my account on coinbase. 
Explains the reason. 
Recently I change my contry of Living, I am travelling in XXXX for couple of months and I will Come back to my home in XXXX. I was living in XXXX for 1 years and of course had a phone number XXXX. 
Because I close this account ( phone number ) I cant  have access to my account because they send my a code for change my password. I didnt want to XXXX this password but I wouldnt access to my account on my computer ( dont know why because on my phone this password was working ). 
I decide to change this password to have complet access to my wallet in both system. 
I dont receveit the code so I need to change of phone number on the website and my account but doing this i Need to verify my account. 
That there have trouble too because they cant verify my passport and a selfi of Me ( maybe because in my account its not XXXX for the contry of residence ) but I can change this of course because of the password I cant  have acces to my account. 
I try to call them few time nobody answers, I try to send some email for explain the situation but they send my a links for verify my account. 
I invest more than 1000 $ in and now I dont know what going on.

All this happening 2 last week ago. 
I open a request but nobody send me nothing. 
I have the felling to have lost this money!! 
I have my passport and all What I need to get access to my account its frustrating. 
I Hope you can give me a way to done something and get back this money. 
Thank you