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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, and XXXX credit reporting agencies, 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 personal credit card accounts opened at XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and a cell phone account opened at XXXX XXXX XXXX XX/XX/XXXX. 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 XXXX  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 # XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have 11 hard Inquiries that wasn't authorize by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit profile was compromised and these accounts I never gave permission to open up, It has destroyed my credit and need these accounts removed
Product: Money transfer, virtual currency, or money service

In XXXXXXXX XXXX XXXX  I found out that my CashApp was closed. I went into my account to support to ask why. I asked this question for several months until by XXXX I was angry. All I got was a repeat that I violated some policy. I continued to ask for explanation because I did not understand. I used my CashApp for my tithes and offerings and for my children and grandchildren if they needed anything. So I did not understand. I am XXXX XXXX XXXX so I thought that maybe I did something that I forgot. I got frustrated because I got a repeat for months. In XXXX I asked for a hearing, To this day I have not heard from CashApp. Am I supposed to still be waiting on someone to...... maybe finally look into this and give me an answer?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an outdated and inaccurately reported account that has surfaced on my credit report. This matter is of utmost gravity as it directly implicates violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), and may warrant further legal action. 

Upon thorough examination, I have identified an installment account, labeled as XXXX XXXX XXXX XXXX XXXX with a purported amount of {$2000.00}, which does not accurately reflect my current financial status. This discrepancy extends throughout my entire credit profile, encompassing inaccuracies in Account Numbers and the surreptitious concealment of pertinent account details. I have multiple pieces of evidence to substantiate my claim. Therefore, this shall be rectified immediately. I have a personal attorney ready and compliant for legal proceedings. 

**Disputed Account XXXX : ** - **Account Name : ** XXXX XXXX XXXX XXXX  - **Amount : ** {$3500.00} Furthermore, the reported last day of activity on this account does not align with the actual date of my last payment, presenting a clear distortion of my credit history. These disparities have been meticulously documented across all credit bureaus and shall serve as compelling evidence as I pursue corrective measures to rectify the inaccuracies within my credit report. 

It is imperative to underscore that the mislabeling of accounts, such as incorrectly designating an account as " paid as agreed '' when it was not, or inaccurately labeling another as " deferred, '' constitutes severe violations of consumer protection laws, particularly the FCRA. 

I hereby demand your immediate attention to this matter and expect a swift resolution in full accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As mandated by FCRA regulations, I insist on receiving a response within 10 days from the date of this correspondence. Failure to expeditiously address and rectify these egregious inaccuracies will compel me to pursue all necessary legal recourse against the credit bureau.
Product: Debt collection

Opened XX/XX/2016 for XXXX XXXX XXXX. 
National Credit Systems XXXX. XXXX XXXX XXXX GA XXXX for the amount of {$1400.00}. 
I wrote to them to verify this account back in XXXX and have not received anything. This account is not validated, and needs to be removed. As of XX/XX/XXXX any civil judgement not validated or proven has to be removed. I am asking that this eviction be removed from all 3 bureaus, and proof of validation. If this can not be furnished then deletion is requested.
Product: Debt collection

I have been harassed by an individual regarding a hit in run they were involved in on XX/XX/21. I have proven to my insurance agency ( XXXX ) and the local police ( XXXX, IL ) that I was two states away at the time. The police took me off the investigation because the car described by the person was not at all similar to mine. My insurance closed the complaint. 6 months later I am receiving a claim from the National Service Bureau ( XXXX ID XXXX ) that I owe {$1900.00}. I don't understand how this individual and this collection agency can ask for money when I've been cleared by the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$6700.00}
Product: Checking or savings account

I am having an issue with PNC Bank and BBVA bank formerly known as simple bank several months ago my debit card was stolen when my debit card was stolen the bank was transitioning from simple bank to BBVA upon learning my debit card was stolen and providing BBVA with the information BBVA refuse to assist me and continue to allow the debit card that was stolen to be used fraudulently causing thousands of dollars and unemployment deposits to be stolen from my account upon contacting BBVA they refused to file any transaction disputes in the beginning but later on filed some transaction disputes but refused to cancel my card stating they were unable to do to a shortage in cards and ability to get new cards during the transition from BBVA to PNC BBVA took money out of my account stating that they had improperly filed the disputes and therefore the money must be taken back now since BBVA is PNC PNC has not been working with me in a timely matter to resolve these issues I have adjusted these issues multiple times and try to contact the individuals who are supposed to help me one individual has specifically taken charge of this case but has been very difficult to reach and does not return calls or emails within a time we matter and when the individual does call back it's within the last hour of this individual being at work causing the call having to be ended and be resumed a different day as a result I have not been able to fully dispute the transactions on my account as well as PNC despite having a police report has denied multiple of my disputes giving different reasons for each time originally the first reason was because they stated that the chip was used in the card but did not pay attention to the fact that I reported my card was stolen the second reason was that there were other transactions that were undisputed at the time of the card being stolen completely disregarding the first reason and ignoring the fact that the police have arrested and are working on pursuing charges against the person that stole my card at this point I have lost thousands of dollars and have been unable to get any of it resolved due to the lack of communication and responsibility of simple bank BBVA bank and PNC Bank I am requesting that they return the money and assist me within a timely matter as they have not been able to do so such far
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover FIN SVCS LLC reporting under account # XXXX is a up to date current closed account that was paid in full that wasn't a charge-off. It has come to my attention that in 2017 for the months of XXXX, XXXX, XXXX and XXXX they have marked across all 3 bureaus XXXX, XXXX and XXXX 30 day, 60 day, 90 day and 30 day late payments respectively when this is inaccurate and incorrect. I have made all payments on these accounts on time and have never been late once. I am in the process of going for an apartment and due to these late payments they have severely impacted my credit where I can not qualify for an apartment because my credit is shot due to this. I need this account updated with the right correct payment history as current and up to date on payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 XXXXtransunion has me at a score around XXXX. 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 n 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 us 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Mortgage

XX/XX/XXXX received wiring instructions for payoff ( attached ). XXXX XXXX XXXX XXXX XXXX wired payoff amount which was due by XXXX XXXX. XXXX was {$100000.00}. XX/XX/XXXX and XX/XX/XXXXXXXX XXXX said XXXX was pending. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX informed us that the money was never received. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX was able to retrieve the money wired and resend the loan payoff again after calling XXXX and getting the correct wire information which was now {$100000.00} due to the fact that it was late from the original payoff quote. In addition to the {$110.00} in interest because the payment was late, we paid {$60.00} for incorrect wiring instructions the money was sent to financial instruction that does not do business with XXXX anymore. We wrote a letter to XXXX per their instructions requesting the extra {$140.00} interest and {$60.00} for incorrect wiring instructions be reimbursed ( attached ). XXXX XXXX received letter from XXXX that had nothing to do with our complaint referring to a phone conversation on XX/XX/XXXXXXXX XXXX XXXX  ( attached ). We didn't even own the house then.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section, Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the FRCA- you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as an agreement to defer XXXX or many payments or forbear any delinquent amounts.
Product: Debt collection

This company started contacting me on XX/XX/year> by email claiming I owe them a debt of {$72.00}. I have no knowledge of. I have disputes this account multiple times and it keeps reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion had 2 separate glitches that occurred that deleted two inquiries on my credit report and then was re-added to my report once the glitch was discovered. Transunion failed to notify me in writing 5 days prior to re-adding the inquiries to my report that they were intending to do so. I called Transunion on XX/XX/XXXX at XXXX XXXX and spoke with XXXX XXXX regarding Transunion unlawfully re-adding inquiries to my credit report without prior notification. XXXX, before gathering my information, immediately said that I was not affected. I then asked to speak to a supervisor who could be of better assistance. Ultimately, he refused to delete the inquiries that were unlawfully added to my credit report. The computer glitch was TransUnion 's problem - not mines- which caused my inquiries to be deleted. TransUnion later added the two inquiries back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These two inquiries are from XXXX XXXX dated on XX/XX/XXXX and from XXXX XXXX dated on XX/XX/XXXX. These inquiries add a hardship and my rights were violated by TransUnion. I ask you CFPB to help make TransUnion stop victimizing me. As a resolution, I ask that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Paypal is holding my money without giving me any reason. I have tried multiple times to make a withdrawal and each time it fails without giving me a reason, saying to try again later. Paypal agents told me that it would be fixed if I tried again 24 hours later. It has been over a week and still not fixed.

The total currently being held is {$7200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I apologize for the second complaint but I was unable to submit a response to provide documentation. 
I have a rental property and the mortgage was with XXXX. It was sold to XXXX XXXX on XX/XX/XXXX. ON XX/XX/XXXX I did not have a new account number with XXXX  to make my XXXX payment so I called XXXX and they told me to make a payment to XXXX and they would forward the payment over to the new company. XXXX never forwarded the payment and I was marked late with the new company, but i didn't know this until late XXXX ( the end of my 60 day grace period ). I began making payments to XXXX in XXXX and made intermittent payments throughout XXXX and XXXX to make up for the lost payment. But as of XX/XX/XXXX I was still {$220.00} dollars short of 3 months. They counted that as 60 days late for the XXXX payment and XXXX  reported me to the credit bureau with a 60 day mortgage payment. I have now sold my primary residence and can not get a loan for a new home with that on my credit report and XXXX will not take it off. I believe the problem began with an error by XXXX. I would like XXXX to talk with XXXX to say it was their error and not mine. 
Thank you XXXX XXXX
Product: Mortgage

You can't talk to these people, I call and explain my problem, and then I get transferred and the line goes dead, or I get an answering machine and never hear back. I'm so tired of wasting my time trying to solve these problems, I am no longer willing to waist my time trying to call them, this is the only way they take me seriously. 

XXXX XXXX XXXX # XXXX Made my mortgage payment on XX/XX/XXXX, CHFA maintains that I didn't pay it until the XXXX, one person I managed to talk to at CHFA explained it was due to different time zones (? ), included are a screen shot of my payment and a copy of the payment confirmation that CHFA sent to me after I made the payment, dated for the XXXX.
Product: Student loan

Based on Family Education Act of 1974, and Privacy Act of 1974, I did not give my permission for my personal and loan information to be shared with third parties and/or servicers. Additionally, my loans should have been forgiven and discharged based on guidelines under teacher forgiveness. Additionally, I would like to assert violations related to 16CR4331.1 through 16CR4331.3. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Credit reporting or other personal consumer reports

I sent in a deposit for my late payment and they came back as verified but never got any info on how it was verified and prof of it.
Product: Credit reporting or other personal consumer reports

I was a victim of the 2017 Equifax data breach after years of calling and stress and having Equifax to come back to say incomplete and saying theres nothing they can tell me. I have suffered through this struggle because of this data breach. Please see attached. I have sent them receipt 's and time spent because of this. I would like to request remedy ASAP of $ XXXX if not I would like to know what my next steps are because this is unfair and fraudulent information given out. Can someone provide me attorney name who did the classsction?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Debt collection

Bank of America and XXXX XXXX has been conspiring to coerce me to pay a debt that 's not mine. Initially, Bank of America advised the CFPB the debt was reinstated after their agent filed a Notice of Rescission. Now, Bank of America has stated the Notice of Rescission is invalid and ineffective. Therefore, XXXX has no debt to collect that Bank of America allegedly assigned. However, XXXX XXXX is still reporting this alleged debt on my credit reports adversely without any substantiation and refuse to remove it.
Product: Debt collection

CAPITAL ONE, XXXX, XXXX, XXXX, XXXX XXXX, I AM A VICTIM OF IDENTITY THEFT