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

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX XXXX XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry : XX/XX/2023, XXXX Date of inquiry XX/XX/2023, XXXX XXXX Date of inquiry XX/XX/2023, XXXX XXXX Date of inquiry XX/XX/2023, XXXX Date of inquiry XX/XX/2023 XXXX XXXX Date of inquiry XXXX.
Product: Credit card

On XX/XX/year> I purchased a flight from XXXX XXXX from XXXX XXXX XXXX to XXXX XXXX California. There was a layover in airport XXXX XXXX. I was told in XXXX XXXX that the flight was delayed but possible to reach the connection in XXXX. Unfortunately that was not true and I was delayed by the airline for over ( 24 ) hours. I was told by the staff at the airport i should contact customer service on my purchase receive. I called and tried to get a refund through the phone number but the ( English ) selection would not work and could not contact customer service due to this point.

THE DOT : The U.S. Department of Transportation ( DOT ) requires airlines to provide a full refund if a flight is delayed by six hours or more for an international flight Airlines must automatically issue a refund without the passenger having to request it.

I was not offered and refund at the of delayed and had no other choice but to take take the 24 hour later flight. I was placed in a " no win '' situation by XXXX XXXX. 
I contacted XXXX on XX/XX/year> asking for compensation for the ( 24 ) hour delayed that cost me to miss work. This alone cost me {$380.00} in pay. 

I believe that XXXX XXXX engaged in unlawful practices. The flight i purchased was a " dummy ticket " or " fake ticket ". They sell you a ticket at a cheaper price so you buy it. Than place you in a position where there's nothing you can to about it.
Product: Money transfer, virtual currency, or money service

I initiated a transfer through sendwave from the XXXX to XXXX for XXXXXXXX XXXX on XX/XX/year>. Transaction status states that the money was delivered. However, upon contacting the intended recipient, she confirms she never received the money in her XXXX bank account. I waited XXXX week before contacting sendwave customer service. I was informed that they would " begin an investigation to track the money and get back to me. '' Another week goes by and I still did not hear from any sendwave correspondence. It is XX/XX/year> and I have yet to receive a refund and the intended recipient has yet to receive the fund. Sendwave requested I send a copy of the recipient 's bank statement for that week the money was sent, which I did. Sendwave confirmed they received the copy of the bank statement, and confirmed the bank statement shows the recipient never received the funds. I have called numerous times after that and sendwave continues to tell me they would get back to me. They never do, and my money is still missing and never received by the recipient. My latest call to sendwave customer care yielded the same result, they stated " oh we sent you an email stating the case was resolved '' never received such email, case was never resolved as further inquiry on my end revealed the recipient never received the fund and it was never refunded into my bank account.
Product: Credit card or prepaid card

I returned items to the store in XX/XX/2022 and part of the refund ( {$31.00} ) was credited to the credit card balance and part was a mailed tender of ( {$62.00} ) to my home. This has never happened with this company before. When the bill came in XXXX, a check for {$27.00} was sent for a purchase I made in XXXX and also the mailed tender of {$62.00} to pay the total on the card balance. The mailed tender was not used and I am now being billed for the {$62.00} and interest and late fees every month. I have spoke to people on the phone, sent multiple e-messages online and sent 2 letters with copies of my receipts and explanation of the payment asking to rectify error. Now I am being threatened to be sent to collection for items that were returned to the store.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, XXXX XXXX XXXX regarding the inaccurate information on my credit report. Despite multiple attempts to address and rectify the inaccuracies, no action has been taken by the credit bureau ( s ) in question.

The disputed items on my credit report include the following : TransUnion : 1. The inquiry was not authorized. 
XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

2. The inquiry was not authorized. 
XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

3. The inquiry was not authorized. 
XXXX OF XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

4. Please verify account. 
XXXX XXXX  Date of inquiry : XX/XX/year> XXXX : XXXX. The inquiry was not authorized. 
XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX : XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
I have made XXXX attempts to request the credit bureau ( s ) to delete the inaccurate information through written disputes, providing supporting documentation to substantiate my claims. However, despite my efforts, there has been no resolution or corrective action taken by the credit bureau ( s ) to rectify these inaccuracies.

I am seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that the credit bureau ( s ) comply with the Fair Credit Reporting Act ( FCRA ). I request that the inaccurate information be promptly removed from my credit report to restore the accuracy and integrity of my credit history.

Attached with this complaint are copies of the relevant documentation, including my written disputes, supporting evidence, and any responses received from the credit bureau ( s ).

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting.
Product: Credit reporting or other personal consumer reports

I discovered that I was a victim of identity theft due to my phone being stolen, the thief hacked into all of my bank accounts, made payments and pretended to be me. All of my bank accounts and savings were wiped resulting in negative information on my credit reports, I was also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been disputing this for almost two years now, I have not been able to work full-time due to multiple XXXX XXXX XXXX XXXX XXXXXXXX XXXX due to this burden and I have struggled to get housing due to this issue on my credit reports and housing being full. I want this issue resolved ASAP and to have a normal life again.
Product: Checking or savings account

I am a small business owner & purchased these items for resale. I typically dont make purchases this big, so it was easy to identify once I did research. Initially, I was not aware of the transactions because the name of the company and where the payment was made are under different names, which prompted me to believe that this is/was not a legitimate company. The name of the company is XXXX XXXX XXXX XXXX, however thats not whats reflected on my statement. The items were set to arrive within XXXX business days via XXXX after XXXX paid in full on XX/XX/06, according to the merchant. If you look at the invoice provided, you will see what items were purchased. The list is lengthy. Its been reattached for your records. After the payment for the initial order was made on XX/XX/06, upon which XXXX systems and accessories were to ship, the merchant demanded more money for the items than what was agreed upon in the initial contract, which can be seen in the screenshot, and threatened that items would not be sent if payment was not received. XXXX, a representative of said company also added more items as an incentive to purchase more, which is what the screenshot is detailing. The initial order was only for XXXX systems with accessories in the amount of {$1300.00}. I ended up purchasing, or so I thought, XXXX systems, plus games, headsets, and controllers to alleviate the shipping cost of the original order under the guise that more items shipped means cheaper shipping for the company as they are a wholesale supplier and to also not lose my initial {$1300.00} payment. That brought the order to {$2600.00} as detailed in the invoice attached. I never received anything & was advised that my items would be ransomed if another {$1200.00} payment wasnt made within XXXX days to finalize shipment, which was supposed to be free based on the purchase of more items. I attempted to contact the merchant for a refund after the first payment of {$1300.00}, and was advised I wouldnt be refunded anything & would lose my money unless I completed the transaction totaling {$2600.00}, so I continued to send more money to complete the transaction totaling {$2600.00} in full for XXXX systems and accessories. Again, I never received the items. You can also see that the address & information on the invoice reflects what you all have on file and is correct. So there isnt a possibility that the items were delivered to the wrong address. Please help me. This company isnt a real company, yet is a scam promising amazing products for unbelievable prices to unsuspecting people. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS TWO LATE PAYMENTS ON MY XXXX XXXX AUTO LOAN ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Debt collection

Reporting wrong information to credit bureaus as far time of debt and last payment made is from XXXX when I lost my job account opened in XXXX. They are reporting account opened in XXXX XXXX so it will stay on my credit report and a recent payment made the last payment made XXXX XX/XX/XXXX.The debt is time- barred and harassing phone calls more than XXXX a day.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft.Equifax has added accounts to my credit report without a permissible purpose and without conducting a proper investigation to ensure that the information they were receiving was in fact accurate. Their failure to follow the rules created for them by congress under the fair credit reporting act has ruined my reputation, cost me actual damages and financial hardship! This is unfair!!! Equifax has failed to honor my right to privacy by allowing access to my credit report without a permissible purpose.
Product: Money transfers

On XXXX/XXXX/2016 I listed a {$300.00} XXXX gift card for sale at {$250.00}. A person with the account XXXX purchased the item through a Paypal payment. The person emailed me through the ebay messaging and insisted several times in a matter of 10 minutes that I send them the code on the back of the gift card so they could start using it immediately. I checked to make sure the money was there in my Paypal account and received the " Ready to ship '' confirmation on the account. Thinking it was OK to send the code, I did so through the Ebay email to the customer. About 4 hours later, I receive another message from XXXX stating that their account had been hacked and not to send the item. I informed them that I had already released the code to the person on their account. I called ebay when I received this information and was told it would be investigated. I also contacted Paypal to see if I would still receive payment. Ebay told me that there was nothing they could do, that I am not protected from being scammed on their website. I called back on XXXX/XXXX/2016 to see if this matter would be resolved and if I would finally receive payment. I was told by the customer service and Funds Availability Special XXXX that I should receive payment since I did provide the item to the customer and that I would receive a call back within 48 hours. That call has never come. 
I placed my trust in ebay to receive payment for the item I sold. It is not my fault that someone 's account was hacked. I provided an item and have not received payment. This is wrong. I should n't have to be punished and lose all my money on this transaction. Both of the times I called ebay, I was shuffled to XXXX different departments and was forced to stay on the phone for over an hour. Why would anyone ever sale anything on this website if they are n't going to protect their customers?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and noticed some inaccurate information that I did not authorize. I sent out letters to the company over 30 days ago and still haven't got a response. These accounts are hindering, it is keeping from getting an auto loan or a mortgage. Please verify and remove these items from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is giving credit bureaus different information about me defamation of character showing wrong information about me ... 

XXXX  and XXXX not letting me look at my credit BEEN a victim of ID Theft capital one not paying for their mistakes i have letters and asked for a fix
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation ( I did a deput XX/XX/2022, XX/XX/2022 ) As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies is in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 

Accounts Account XXXX : XXXX Account XXXX please remove it from my credit report. 
Account Name : XXXX XXXX XXXXXXXX v t Number : XXXX please remove it from my credit report. 
Account Name : XXXX XXXX XXXX  Account Number : XXXX remove it from my credit report. 
Account XXXX : XXXX Account XXXX : XXXX please remove it from my credit report. 
Account name XXXX XXXX  account XXXX remove it from my credit report. 
Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

It had been over a month since I previously filed a complaint regarding an unvalidated repossession on my credit report. Despite my initial dispute, the creditor/collection agency has failed to provide proper validation of this debt. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive documented proof that this debt is valid. 

Since they have not provided verification, I request that this account be removed from my credit file immediately. Please take further action to ensure compliance with federal regulations. 

I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX ) -DEPT OF EDUCATIONXXXX XXXX ( date open XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 


XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX  Balance {$74.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to you today to request that the following disputed accounts be completely deleted from my Credit report. Again, I was a victim of identity theft and this is my third CFPB Complaint to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. With accordance with the FCRA section 605b I am looking forward for the removal of the Following account from my Credit Report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6300.00}
Product: Debt collection

Complanit 1 ) USAA DISCRIMINATES AGAINST MY XXXX.XX/XX/XXXX Phoned ( unable to access on line ) Spoke to XXXX  usaa rep. .I explained to her my XXXX XXXX XXXX  & NO ON LINE ACCESS. XXXX  Released my Call Due to my NEED TO USE MY SPEAKER. I can not hold the phone, AGAIN DUE TO MY XXXX. ** USAA IS NOT ADA COMPLIANT WCAG.2.1 ON LINE OR ACCESSIBLE BY PHONE DUE TO MY XXXX ** see attatched FTC ID THEFT case XXXX NO ACCESS TO REPORT & RESOLVE FRAUD XX/XX/XXXX. Complaint 2 ) USAA FORCES ME TO ENDURE HARRASSING COLLECTION ATTEMPS DEMANDING IMMEADEATE PAYMENT {$650.00} ( ( ( DURING THIS VIRUS SITUATION ) ) ) ) ** NO ACCESS IS PROVIDED TO STOP THIS ** CRUEL ABUSE. STOP THE ILLEGAL ABUSE OF THE DISABLED. I MATTER TOO!!!
Product: Debt collection

We had problems with an upstairs neighbor in an apartment complex in XXXX, CA
who was an undesirable XXXX XXXX and stayed up all night with visitors.  We tried to communicate with management and were assured he was an upstanding tenant.  We knew otherwise, felt unsafe, and as older tenants, needed to move.  Management said we could not.  Met with 2 separate lawyers who said, MOVE.  We moved out after giving notice, and did not receive our security deposit nor pet deposit back.  They took us to collection.  We are not responsible for living in a unit where we were unsafe.  Continue to get notices in the mail phone calls from TransWorld Collections, XXXX and the
alleged debt was put on our credit files.  Filed disputes with all credit reporting agencies.
My husband is XXXX XXXX and I would like this to stop, and sue the companies that continually harass us.  PLEASE HELP!
Product: Credit card or prepaid card

I have an Apple Card through Goldman-Sachs . I keep trying to make a payment, but the system says nothing is due at this time. Ive messaged and called Customer Support several times and they say I have a credit on my account, nothing is due, and the system will update my balance when it resets. Ive also been promised several times my credit will not be affected. The system never resets and Im getting collection emails and reminders on my phone. Ive called ( and done online chat ) MULTIPLE times and nobody can fix the error that Goldman-Sachs reps tell me is their issue. 

Ive even asked the phone rep to make a payment on my behalf and they cant because of the Goldman-Sachs system . Its been escalated and still no resolution.