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

I received my consumer reports and noticed that there were inaccurate accounts 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 Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. 

I contacted XXXX and asked them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a former employee of XXXX XXXX, out of XXXX XXXX XXXX, Fl. Right before I was laid off from XXXX XXXX, they merged with XXXX XXXX. I called XXXX 's today to request my exact start and end dates of employment that I need for a home loan. They referred me to Equifax ( XXXX ). After a drawn out process of the phone menu, leading me to wrong departments, I finally was able to speak to a representative. She verified some information, and asked me why I was requesting this information and I told her it was for a mortgage application. She then proceeded to tell me that she can not give it to me and that the mortgage company that needs the information, would have to contact XXXX. This is preposterous!!! I can not get my own information, but a third party most certainly can ( for a fee, I'm guessing )!?? I was able to pull up my own prior work history but lo and behold, this very one that I need, is NOT on it. All other employers were able to give me the information I asked for, after verifying it was me, over the phone and this is a bogus bad practice effort, either by XXXX 's, Equifax or BOTH. The mortgage company is not going to PAY for information, that I should be able to receive, that is my OWN PERSONAL information. If I sent this loan application through without this information, the mortgage company will STILL need the exact dates and will hinder the quick process of the application. This should not be allowed and I don't know how they are getting by with it!
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$7500.00}
Product: Checking or savings account

On XX/XX/XXXX I placed the order using XXXXXXXX XXXX XXXX My account was charged {$390.00}. Groceries were sent to Arizona instead of MA. I called and told them that order is going to wrong address/state. They canceled it and told me charge would fall off my account. Following day I got message they are reattempting delivery. I called and spoke with delivery driver and told him groceries are going to the wrong address. He told me that he would go back and have his manager issue refund. Today I called XXXX because I have no groceries or not money. They transferred me times. They would tell me no problem we will take care of it, then put me on hold, come back and say i have to transfer you over. It is XXXX in XXXX now. I have started today 's call at noon. This is totally unacceptable. I want my money back and they do not want to help. I have been getting run around for 4 days now and I have no time to be on phone hours at the time. Please help me with this matter. Thank you.
Product: Money transfer, virtual currency, or money service

Dear PayPal, My PayPal got hacked on XX/XX/year> at XXXX XXXX  PDT. I had to report the unauth suspicious activities on XX/XX/year> to one of your fraud department. 

On the same date XX/XX/year>, the dept concluded there investigation & approved the unauth access claim in my favor, confirming that the acitiviites and transaction ( s ) in question were unauthorised. 

Due to these unauth suspicious activities, PayPal 's automated system placed multiple restrictions on my account. I had tried my best of abilities to prove my identity by providing PHOTO ID but still, no positive resolution is yet to be seen. 

Do we have a possibility if my account restriction could be investigated in detail and find possible options so that I can access my funds? 

Please know that I am waiting here for your response!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX  ; XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX  ; XXXX XXXX inquired on XX/XX/XXXX  ; XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX  ; XXXX XXXX XXXX inquired on XX/XX/XXXX  ; XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX  ; XXXX XXXX XXXX XXXX  XXXX XXXX inquired on XX/XX/. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- - ALL NAMES are NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ( XXXX ) XXXX ( XXXX ) XXXX < -- -- ALL PHONE numbers are NOT MINE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX < -- - ALL ADDRESSES are NOT MINE. 

XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Potentially Negative Status Account charged off. {$21000.00} written off. {$21000.00} past due as of XX/XX/XXXX. 
Account Type Business Card Balance {$21000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX Potentially Negative Status Account charged off. {$17000.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
Account Type Credit Card Balance {$17000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$910.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$910.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor APP XXXX Dispute XXXX XXXX Potentially Negative Status Open. {$380.00} past due as of XX/XX/XXXX. 
Account Type Education Balance {$11000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute < -- -- -- ALL ACCOUNTS LISTED are NOT MINE. FCRA violation. 45 days to settle, FTC violation by law
Product: Credit reporting or other personal consumer reports

Please remove these inquiries. I'm unaware of them, and the company did them without my permission.
Product: Credit reporting or other personal consumer reports

I am writing as a protected consumer under federal law to report serious violations by the three major credit reporting agencies : XXXX, TransUnion, and XXXX. Despite providing proof of my address and identification, these agencies have unlawfully reported unauthorized accounts on my consumer report without my written consent, in violation of 15 USC 1681b. This unauthorized reporting amounts to identity theft and libel per se, constituting defamation of character. Additionally, these agencies have engaged in aggravated identity theft by contacting third parties with my private information, violating 18 USC 1028A and 15 USC 1681A ( 3 ).

Furthermore, they have failed to meet the requirement for maximum accuracy in reporting, violating 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). My previous disputes and complaints have been ignored or inadequately addressed, demonstrating noncompliance with FCRA obligations. I have submitted proof of certified mail receipt.I demand the immediate deletion of the inaccurate accounts and a free copy of my updated credit report.
Product: Credit reporting or other personal consumer reports

im a victim of identity theft, i have a unauthorized fraudulent inquiry listed on my report, i never gave anyone permission to run my credit.please help me to remove this fraudulent inquiry XXXX XX/XX/XXXX XXXXi have attached my ftc affadavit see encloed
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per XXXX XXXX, I ask that they be deleted within XXXX  days. Please find the enclosed documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  a for y experience the worst companies on earth. I was the founder and CEO of two companies myself and they will have been bankrupt if they were not in a XXXX  business blackmailing customers with wrong information. 
You wait HOURS on the phone to get someone and they provide no JUSTIFICATION..nothing ..
Product: Bank account or service

Bank will not give me my funds from my direct deposit. MANAGER IS THE RUDEST I HAVE EVER EXPERIENCED. I called into the Regions Bank XXXX XXXX branch to speak with XXXX, who by the way has not been any type of help at all. She seems to show no passion or concern for my situation. I opened the account online, and for whatever reason the account was closed. They said maybe because of chex system. I went into the branch the day after opening the account and they said it was ok for me to have my direct deposit from my job to be deposited in this account. Acct. The day of my deposit, XXXX/XXXX/15, I am not able to access my funds. They told me my account is being closed down. XXXX refused to try to make any calls to back office to see if there was something that could be done. The manager, XXXX i believe, at the XXXX location branch was very nice, but also said XXXX was rude with her on the phone. Are you guys really here to help the customer out. However, I have car note, mortgage, and funeral arrangements to pay for. I need my {$1200.00} out of this account. The 10 day rule is not going to work for me. Either you guys refund me my direct deposit or reject it so that my employer can write me a manual check. It 's that simple. I have been in tears today, because this is my first check and it was deposited with confidence that I would be able to access it. I have children to take care of. The fact that you want me to wait 2 weeks nearly to receive my funds in the form of a check is ridiculous. i would like my account assigned to the XXXX branch, where I work and deal with them. I DO NOT WANT TO DEAL WITH XXXX FROM THE XXXX XXXX BRANCH IN XXXX. XXXX basically sat on the phone and told me " Tough Luck! '' Never was she apologetic. She is not what I though Regions would be a representation of. I really hope she is replaced with someone who actually wants to do the work and find out what 's going on. Well Regions Bank, I need my funds. You guys have closed the account, give me my hard earned money that I have worked for. I have contacted XXXX at corporate as well. I told her to PLEASE DO NOT MAIL MY CHECK OUT IF YOU GUYS HAVE TO CUT ME A CHECK.SHE SAID IT WILL GET MAILED TO ADDRESS ON FILE. I WANT TO PICK MY FUNDS UP FROM THE BANK. SOMEONE NEEDS TO HANDLE THIS ASAP, OR I WILL BE ON EVERY BLOG AND SITE TELLING MY HORRENDOUS EXPERIENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$3500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I see that Equifax is still reporting transactions of my consumer report even though it is illegal to do so and specifically the XXXX XXXX reporting 's. I have already complained about these violations their committing in previous complaint they have received. They have added remarks to the XXXX XXXX reporting 's saying " Account previously in dispute-now resolved by furnisher ''. This problem has not been resolved and my federal consumer rights are knowingly being violated. I will proceed with further legal actions if I'm continued to be ignored because of the federals Acts/Laws being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a current balance of {$16000.00} on the XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle broke down and was covered under the factory/dealership warranty. The dealership would not honor the warranty and consequently would not fix the vehicle. I returned the vehicle back to the dealership. I was told that there was no outstanding balance due. I was not aware there was a negative item reporting until I obtained my most recent copy of my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I checked the balance of my credit card through wellsfargo.com on XX/XX/XXXX I thought I had a balance of credit available for {$1500.00} .... instead I find the balance on this account for available credit is just {$140.00}... 
I called wells fargo credit card department on XX/XX/XXXX and XX/XX/XXXX both customer service siad and verified that changes to my wells fargo credit card were made on XX/XX/XXXX ... .. both customer representatives said they had no other information on my account but the explanation on why changes information were going to be mailed to me in the mail ..... 

I can't believe that after paying this credit card for many years ; that all I have for credit is {$140.00}? 

please help, XXXX XXXX
Product: Credit card

My Chase XXXX XXXX XXXX credit card includes Trip Cancellation/Trip Interruption Insurance as a key benefit however when you make a valid claim for reimbursement, they routinely reject the claim. I filed a claim with Chase Card benefit services for reimbursement for forfeited airline tickets due to sudden illness when traveling overseas. I attached all required supporting documents including a signed physicians statement. Since then, I have repeatedly had to reach out to the company with no response. Finally, last week on XX/XX/2024, they rejected my claim for a completely false and invalid reason. After conducting some research online, I discovered they usually reject valid claims and request the same documents repeatedly to avoid paying out. See link below for another dissatisfied customer that experienced a similar issue and filed a claim with CFPB as well. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my consumer report and I noticed an account on my consumer report that should not be there. It was removed so why is it on my consumer report again? This isn't a joke that you corporations consistently allow other corporations to do and i've had enough. 



As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following account must be deleted from my consumer report immediately. 

XXXX XXXX XXXXThis agency is in violation of 15 USC Section 1681 i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

In addition to the Violation above pursuant 15 USC 1681 ia ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after aby reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Account # XXXX The above account is inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. 
Information on the consumer report must maintain Maximum Possible Accuracy. 
Accuracy means- correct in all details ; exact 15 USC e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The details of the account are inaccurate AND they are not exact in details and amounts. 


TRANSUNION you shall comply with the FCRA 15 USC 1681 YOU WERE SUPPOSED TO NOTIFY ME AND YOU FAILED TO DO SO!!!!!!!!! 
( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency, shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that, by other means available to the agency. 


DELETE THIS INACCURATE & INCOMPLETE!!!! ACCOUNT FROM MY CONSUMER FILE Yours Truly, XXXX XXXX
Product: Credit reporting

Hello my name is XXXX XXXX XXXX. I have a complaint against Equifax. I was a victim of identity theft 8 years ago. I went to view my credit report for the first time in XXXX 2016. I notice that I had items on my report that was n't mine. I began disputing them. When it came to the inquiries I was told by Equifax that I neede to contact and or write the creditors because they was not responsible for disputing inquiries. I really could n't understand that, considering they disputed the accounts. So I went to the information that the creditors had for the inquiries. Addresses and or phone numbers. Some did not even have phone numbers. However I wrote each and every company. Disputed that I did n't authorize for a inquiry to be ran and please delete from my credit report. I received letters from companies saying either it should n't been a hard inquiry or they have no records of me on there file. I also got several letters back from the post office with insufficient address and addresses that do n't exist. I sent copies to Equifax from the companies and Equifax said they was n't going to remove them. I told them that I did what y'all ask. I send proof and you still wo n't delete them. I trying to figure out how can I do he same thing twice. Some of the creditors do n't even have the correct info. Pleas help me resolve this matter. I did what was asked and they are still treating me bad.
Product: Student loan

I got a XXXX statement from Nelnet with XXXX amount due by the end of the month. I paid that amount due by the end of the month. On my next statement ( XXXX ) it shows my payment made, but it also shows a late fee applied. I do not understand how a late fee was applied when I paid at time. I have called supervisors and emailed them with this concern. I have received emails back explaining how to pay my loans ( Not what I asked for ) and also been told I owe more than what is on my statement. With my emails I have provided proof of statements so they can understand what I am seeing. I have even asked for new statement showing the correct amount if the wrong amount is on what I get. No one has provided any clarification or new statement. Overall, Nelnet is not being fair with my amount of due for loans. I just want to get my student loans paid, but I want to be able to pay them on time and pay correct amount like I have been.
Product: Debt collection

This company is reporting this debt to transunion with an opened date of XXXX. this account supposedly went delinquent in XX/XX/XXXX. Northeast credit collections was also reporting this debt to XXXX with a date of XXXX. they are reporting an old debt that should have been taken care of by insurance, and also reporting this as being opened XXXX which is totally incorrect. they are reporting this debt as it 's three years old when in fact it 's been 7 years as the debt was obtained in XX/XX/XXXX. they are reporting false information to the credit bureau in order to damage my credit and make it seem like a new debt.
Product: Vehicle loan or lease

flagship credit acceptance was paid off threw my insurance company after the vechile was declared totalled from hitting a deer on my way to work the general insurance company sent out a check it had the wrong address they sent out another check it had the wrong address XXXX months later the general sends out another check in the mean time flagship credit acceptance has reported my loan past due and messing up my credit report