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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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
Product: Checking or savings account

I made a purchase on XXXX for {$43.00} on XX/XX/23, and the full payment was deducted from my bank account. However, a few days later, the same payment of {$43.00} appeared as pending in my bank account, affecting my available balance. Despite contacting XXXX, they couldn't see the pending payment without a screenshot, which I couldn't provide due to the Chase app 's restrictions allowing you to take screenshots on an Android phone ... After contacting Chase, they assured me the funds would be available the next day, but that didn't happen. Subsequent calls to Chase resulted in them acknowledging the issue but explaining that, since the payment was pending, I had to wait for it to post which could take XXXX to 5 days before they could address the refund. Despite being pending, the amount was still affecting my available balance for other purchases. Chase claimed their hands were tied due to the pending status. I never authorized the XXXX payment and find it unfair that even though it was only " pending " That this amount of {$43.00} was affecting my bank account balance and Chase was only able to takes actions days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to Equifax of how they've re-aged a collection account which is a clear violation of the Fair Credit Reporting Act. Equifax has not responded to my requests and refuses to remove the account. This illegal account is damaging my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 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, XXXX 's 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

XXXX XXXX XXXX XXXX did not inform me of any verification of debt in an attempt to collect it, neither did their credit servicer, Lloyd & McDaniel PLC.  There was no explanation, verification of debt, or request. I wholly dispute all debts owed to XXXX XXXX XXXXXXXX XXXX on the fact that they have never communicated with me regarding the debt, nor has their debt servicer. As of today, I have been notified by an independent law firm that there is a debt collection pending in XXXX Superior Court 1. Without having ever received notification of debt, it is a violation of the FDCPA because I've never been permitted to dispute any portion of said debt or its contents. The collection is illegal and should be deemed as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I had recently disputed inaccurate data points that have been incorrectly reported by Transunion. There were inquiries placed on my personal credit file through the Transunion reporting platform that I did not authorize. I had disputed this information with Transunion through the FCRA dispute process and had the documents delivered certified USPS mail to this specific credit reporting agency. I provided all documentation that was needed in order for the agency to investigate properly, and yet the agency never conducted any investigation into my dispute. As matter of fact, and adding insult to injury, Transunion never responded at all. This is a violation the FCRA as well as CFPB dispute guidelines that are clearly laid out on the CFPB website. Transunion is negligent, and also complicit in their enablement of identity fraud. Also and in addition, I reached by phone to Transunion on 3 separate occasions and requested that they remove 2 security freezes from my credit file. Their automated customer service menu options almost forces a security freeze on your file prior to attempting to reach a live person. The agency never removed the credit freeze. I then submitted a dispute to Transunion using the same FCRA certified mail dispute process, while yet and still Transuinon refuses to process this particular request as well. As of today, XX/XX/22, the security freeze is still placed on my file. After only making efforts to correct only 2 % of consumer disputes, Transunion not having clean hands are negatively effecting my credit report which have damaging impacts on myself and my children. What do we do now? Credit reporting agencies seem to have gone completely " off-the-rails '' so to speak. I have attached screenshots as documentary evidence showing all of the documents that the bureau received on my behalf.
Product: Credit reporting or other personal consumer reports

I am formally requesting an investigation into Trans Union for conducting unauthorized hard inquiries on my credit file without my consent. I have never signed any application or given authorization for these hard inquiries to be made. Despite multiple requests, Trans Union has failed to provide any proof of my authorization for these actions, such as a signed application or a contract along with my valid drivers license. These unauthorized hard inquiries have raised serious concerns regarding Trans Unions compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for accessing and reporting consumer credit information. These actions have negatively impacted my credit score and financial standing, causing significant hardship. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have not provided any entity with the authority to access or pull my credit, and Trans Unions failure to comply with FCRA regulations has caused undue harm to my credit standing. I respectfully request that the CFPB investigate Trans Union practices, hold them accountable for their failure to comply with the law, and take immediate action to remove these unauthorized hard inquiries from my credit report. Additionally, I have repeatedly communicated my concerns to Trans Union, including sending notarized documents via first-class mail, yet they continue to ignore my requests and subject me to psychological harassment through these unauthorized actions. I need verifiable proof of who initiated these hard inquiries, along with proof of identity, to confirm who authorized them. Please investigate this matter thoroughly and ensure that these illegitimate inquiries are removed from my credit file immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXXXXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Greetings : I would to like to report a wire fraud, and in connection to an internet scam. I am helping my mother who is XXXX years old. 

My mother XXXX XXXX met a purported XXXX XXXX on XXXX. After series of of conversations, they are into a virtual online romance. 

XXXX XXXX purportedly stated that he is detained or his luggages had been confiscated by XX/XX/XXXX authorities. 

XXXX was able to convince my mother to wire money in the amount of {$5000.00} ( and other amounts in the past ) through his lawyer or an intermediary in Chase Bank at XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX the name of XXXX XXXX. 
The money was originated from my mothers bank, the XXXX XXXX XXXX  in XXXX, XX/XX/XXXX Telephone Number is XXXX XXXX XXXX XXXX. 

We have already reported to our local XXXX Police Department ( Report No. XXXX ) this fraud. 

I will send by US mail the additional evidences. 

I am requesting any available and immediate redress, relief, and remedies provided by law in connection with the above issues. 

XXXX, Hawaii, XX/XX/2020. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, HI XXXX Email : XXXX Mobile Phone : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) -I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I refinanced my student loans. I did not want to refinance my subsidized student loans so I took out less than my total and told I would be able to decide which loans my XXXX check would pay off. However, when Nelnet got the check they decided which loans to pay off without any input from me ( Nelnet decided to put the money towards low interest subsidized loans and leave the remaining g balance in loans that had the highest interest rate ). I have now contacted Nelnet twice to attempt to get the money allocated towards the correct loans and Nelnet and their representatives have been unable to help or provide adequate assistance. All inquiries to speak with management is brushed aside. This is unacceptable and I need help resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX ; XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance Owed : {$6800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00}.
Product: Prepaid card

i was scammed by a company on XXXX. i provided the proof to cashapp to get my money back and they denied my claim without resolving it.
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 ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  CT XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Equifax has reported negative information on my credit file without my consent or authorization. I have never signed any application permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but neither Equifax nor the reporting agency has provided this documentation. This raises serious concerns about XXXX compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX The unauthorized reporting has negatively impacted my credit score and financial standing, causing significant hardship. I have not granted them the authority to access or report any information about me under the Fair Credit Reporting Act ( FCRA ). Their failure to comply with these legal requirements has caused undue harm to my credit standing. I respectfully request that the CFPB investigate this matter and take immediate action to have this derogatory information removed from my credit report. I have repeatedly communicated my concerns to Equifax, including sending notarized documents via first-class mail regarding these fraudulent credit card accounts, which were never authorized. Despite this, Equifax continues to badger, bully, and psychologically harass me. I need verifiable proof that these credit transactions were initiated by me, as well as proof of identity to confirm who applied for these frivolous debts.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, non-compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across several mistakes and inaccuracies that you are reporting. Please review and eradicate any of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, and fall under the regulation of consumer law, or elsewise compliant to every single one even each any of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one requires immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now, and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

I checked my consumer report, which I acquired from your organizationand I noticed that this unauthorized inquiry had been made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Going through my credit recently, I seen some addresses that does not belong to me.
Product: Prepaid card

I attempt to use the card online on XXXX and also tried to pay through phone, both transactions got declined twice ( see attached amex transaction history ). Same problem occurred on XXXX last year. Balance on card was {$500.00} and is plenty enough to pay for the charge of {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts 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 XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports and noticed fraudulent activity. Listed below are the accounts unauthorized as I have no knowledge of these accounts. 

Credit Card Account name : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Address identification number XXXX Account number XXXX 

Auto loan : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address identification number XXXX Account number XXXX XXXX
Product: Credit card

My apple credit card Goldman and Sachs ) I had a dispute for fans that I purchased from XXXX XXXX. I never received the fans and disputed the charges after attempts of contacting XXXX XXXX to resolve. The products were claimed to be delivered XX/XX/year> and the amount of the charge was for {$210.00}. The dispute keeps getting billed back after my credit card company claimed the packages were delivered and received. After XXXX years, it has not been resolved and Goldman and sachs ( apple card ) has decided to randomly close my account and provide me no access to my credit card account nor will the send a monthly bill. The want my monthly payment but without a bill or access to one, I am not paying a bill as I have no idea what is going on with this account and without the charges that where in dispute I shouldnt have a balance. I am ver frustrated because the are literally ruining my life and I dont know how to resolve but I am not paying for products that no one will show me proof that I have received which would be signature confirmation. Filing this complaint is my only option. I will gladly pay any amount I owe once this dispute is reversed including interest charges as well and once they reverse the negative ratings on my credit report as I had perfect credit before this and this has ruined my life. Please assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle for a XXXX, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I called XXXX ( Netspend ) to reverse a transaction that was made by using XXXX XXXX. When explaining to the representative from netspend that XXXX canceled the transaction id XXXX And I should be seeing the funds in my account the rep canceled my debit card along with not saying anything when I asked why would you cancel my card because it was not stolen or used fraudulent the rep put his speaker on mute and would not respond and eventually disconnected the call.