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

This account has several inaccuracies. I have tried disputing these inaccuracies with the credit bureau multiple times in which the bureau comes back and states that account was verified and updated. I opened three disputes which I have listed below. I am wanting this account deleted under Section 609 of the FCRA. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. 
Late payments from XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX were all on time.
Product: Checking or savings account

In XXXX of XXXX, I noticed fraudulent unauthorized charges on my USAA checking account. I contact the bank immediately to notify them. I spent two hours on the phone identifying each of the charges and asked them to freeze my account. However, when I check back into my account activity, I noticed that although they did credit me for the charges that I had reported previously, they failed to freeze my account and had allowed many more fraudulent charges to go through. Upon this new contact, they " investigated '' these additional charges and concluded that the new charges were not fraud which I dispute. The bottom line is, I notified them of the fraudulent charges, and they failed to act to secure my account as I requested. My belief is that USAA had poor account authentication practices at that time and are ignoring my concerns now, hoping that I will go away. I did file a police report. Most if not all the fraudulent transactions to my checking account used apps like XXXX or XXXX which I had never even heard of before this.
Product: Credit reporting or other personal consumer reports

I have advised both Equifax and XXXX several times that they are furnishing information on my credit report that is unlawful which is the attorney general. as stated XXXX release this statement***Important Notice*** Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction
Product: Checking or savings account

The bank has been placing charges on my account and not listing the transactions. My account is negative because of their system error and each agent I spoke with DID NOT HAVE ANY HELPFUL INFORMATION, AND THE SUPERVISORS WERE EXTREMELY RUDE AND UNHELPFUL, one supervisor stated I hung up the phone which is not true, and the other supervisor hung up on me. CITIBANK needs to be looked at. They ARE STEALING FROM THEIR CUSTOMERS AND I BET THE ELDERLY. this IS THE WORST BANK I HAVE DEALT WITH. Also their automated SYSTEM IS ABSOLUTE GARBAGE, it purposely says the wrong thing to not get you over to the correct person. ALL OF THESE FOREIGN workers do not know anything!!!!!!!
Product: Student loan

When I originally approved to get these loans I was told that as long as I was in school I did not have to make any payments. Right now I am enrolled for summer of 2025 I am yet to receive any type of degree and they hit my credit score and dropped roughly XXXX points and put me in delinquent status. I have reached out to Mohela on numerous occasions. Every time I call I try to let them know that I can't make payments right now to see if the payments can get paused or I can get a smaller payment I never get any answers from them. The phone hold times are over XXXX hours long and when I get on the wait list for a call back my phone rings XXXX time and before I can answer they hang up. I have tried everything to get this account settled I have also emailed and no reply besides telling me I will be in delinquent status. Every time I try to login online it asks for my ID and password and SSN and DOB it always says I am not in their system. I am not sure what else to do for this to not affect my credit score as it is going to impact my livelihood when getting an apartment or any other big purchases.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized heart inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress, and it's negatively affecting my financial standing.

Tranunion is also the other credit Bureau with iquiries Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

-They make it impossible to reach a human being through their phone lines, stating everything can be handled over the phone. Indeed, not all issues can, and I should not have to spend chunks of an hour trying to accomplish simple things -Their website does not let me log in. Does not have my loan information in their system and will not let me log in to make my payment, which is due today -- despite working last month. However, their phone line is able to find my loan without issue, but will not take my payment nor let me speak to a representative in order to make a payment. Again, my payment is due today.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX AUTHORIZED REPRESENTATIVE ( POA ) HAVE ALL RIGHTS TO ADDRESS ANY ALL ACCOUNTS ON MY CREDIT REPORT. NOT NO CORPORATIONS ( DEAD ENTITY ) should never speak or report without my consent. I HAVE IRS TRANSCRIPT THAT SERVE AS MY AFFIDAVIT THAT IM THE POWER OF ATTORNEY OF MY ACCOUNTS, AFFAIRS, and ETC OF MY ESTATE. I DO HAVE XXXX XXXXXXXX XXXX TRANSCRIPT TO PROVE THAT THIS DEBT BEEN DISCHARGED AND SHOULD BE UPDATED ON MY CREDIT REPORT AS PAID IN FULL WITH A XXXX BALANCE ON ALL AGENCIES CREDIT REPORT : EQUIFAX, XXXX, XXXX. XXXX giving them 10 DAYS TO FIX THIS ISSUE IMMEDIATELY! This is defamation of Character which carry a heavy penalty on my credit report that will be handled in XXXX XXXX cause Im a living sovereign man.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX {$870.00} XXXX XXXXXXXX XXXX XXXX XXXX  {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX  ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), ( XXXX XXXX ), I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report on TransUnion credit repotting agency I noticed some inaccurate information reporting that I need removed immediately on my previous employment column on my credit report such as follows : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX -XXXX  Please remove inaccurate information immediately thank you for your prompt response!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Debt collection

Gurstel Law Firm has contacted the wrong person at the wrong address in an attempt to get money for a debt that was setup fraudulently. This company has made threats time and time again. If Gurstel was so credible, they would know the information they sent went to wrong person at the wrong address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Transunion Credit Bureau. I am a victim of identity theft and did not create the responsibility or the accounts. I request that the accounts be erased to accurate my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged accounts below showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}
Product: Checking or savings account

Bank of America, took {$2000.00} from my checking account on XX/XX/2022, to cover an overdraft in another Bank of America XXXX account that was caused by denied disputes. 

This money was taken with no warning or communication from Bank of America. I did not even know a payment plan was a possibility until I called Bank of America today and asked if I could pay the overdraft down over time and have the {$2000.00} returned to the proper account. 

Bank of America refused to return the funds and did not allow me to set up a payment plan, stating that it had been 30 days so they took the funds from my other account. Again, this 30 day timeline was never stated before. 

The money they took was for a large life expense that needed to be paid on XX/XX/2022. Their lack of flexibility, and communication is absolutely disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my attempts to reach out to Equifax in regards to handle this matter, it is to no avail, that I am forced to file this complaint and take all necessary actions by exercising my rights as a consumer. Pursuant to 15 USC 1692a ( 3 ), I, am, the consumer and natural person. Without my permission or authorization, Equifax assumed their role, as stated in the congressional findings in 15 USC 1681 ( a ) ( 3 ). Pursuant to 15 USC 1681 ( a ) ( 4 ), there is a need to insure that they exercise their grave responsibilities with fairness, impartiality, and respect for all consumers ' right to privacy. Equifax has been unfair, using unlawful adverse actions, violating and not respecting my consumer 's right to privacy, as well as, not adequately protecting my personal information, as a consumer. Equifax has continued unauthorized use of my credit report, allowing my personal information to be unlawfully accessed by and shared to unauthorized 3rd parties and unauthorized users. Pursuant to 15 USC 1681 ( b ) ( 2 ) the furnishing of a consumer report must be in accordance with the written instructions of the consumer to whom it relates. Therefore, I demand that Equifax immediately cease and desist all furnishings or reporting, and unauthorized use of my personal information. I also demand that they send me all files containing my personal information, as requested. Equifax has violated federal law and my consumer rights so, as a result of the damages and sufferings, I demand monetary relief ; violations are liable for up to {$1000.00} in damages, per violation, under 15 USC 1681n and 15 USC 1681o.
Product: Credit reporting or other personal consumer reports

I, have submitted multiple requests to opt out of information sharing with XXXX XXXX, and these requests have been denied and ignored, in violation of my legal rights. 
Timeline of Requests : * First Request to XXXX XXXX  : Submitted on XX/XX/year>, requesting to opt out of sharing my Credit Account, Transaction, and Non-Public Information. 
* CFPB Request : Submitted on XX/XX/year>, following XXXX XXXX  's failure to comply with my initial request. This request was also denied and ignored. 
Legal Rights and Violations : * Fair Credit Reporting Act ( FCRA ) : According to 15 USC 1681 section 602 ( a ), consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. I have the right to ensure my private information is not shared without my consent. 
* Privacy Obligations ( 15 USC 6801 ) : Financial institutions must respect the privacy of customers and protect their nonpublic personal information. XXXXXXXX XXXX  has failed to meet this obligation. 
* Consumer Consent ( 15 USC 1681 section 604 ( a ) ( 2 ) ) : Consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. XXXX XXXX does not have my written consent to share my information. 
* Nondisclosure Option ( XXXX XXXX XXXX ( b ) ( c ) ) : Financial institutions must inform consumers of their right to opt out of sharing nonpublic personal information. XXXX XXXX  did not inform me of this right. 
* Right to Opt Out ( 12 CFR 1016.7 ) : Consumers can exercise the right to opt out at any time. I have formally opted out of XXXXXXXX XXXX XXXX reporting services and sharing of my information. 
Conclusion : XXXX XXXX 's denial and ignoring of my opt-out requests and failure to comply with the FCRA and other privacy laws necessitate further action. I have the right to report these violations to the Consumer Financial Protection Bureau ( CFPB ) for a formal investigation. 
I am once again requesting XXXX XXXX  to honor my rights and process my opt-out request as mandated by law.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a follow up complaint regarding the ongoing issue of fraudulent items on my credit report. Despite multiple attempts to resolve this matter, these inaccuracies persist. This letter marks my multiple attempts to address this issue, and I am seeking immediate action to correct these fraudulent entries.Despite providing all necessary documentation and evidence to support my claim, these fraudulent items remain on my credit report, negatively impacting my credit score and financial standing. 
I am asking for your help to immediately remove the fraudulent items from my credit report and provide me with written confirmation of the removal. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I received a copy of my credit report and found the following items to be in error below. 

I had several inquiries that was not authorized from XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, These Companies 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 furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing a compiaint against Transunion for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I am filing this complaint because I was unable to resolve this issue with the bank ( Wells Fargo ). I tried to reach the customer service and the person who identified himself as XXXX XXXX started to talk very fast. I told him that I am an elderly woman with many health problems and I asked him politely if he could speak slowly. He simply hang up on me. I tried to reach Wells Fargo customer service again on that day but the automatic service did not let me do so. It was a terrible experience. The reason for my call was that I needed help to reverse my monthly fees for XXXX - XX/XX/2020. I am an elderly person and at the highest risk for contacting COVID-19 and I cant make 10 debit transactions to waive those fees. Please check CDC guidelines for more information regarding elderly and COVID-19. I am sorry that Wells Fargo customer service is so difficult.