23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

These are the dates that the unauthorized transactions were reported. These are 2 different claims for different amounts. 

Initiation date : XX/XX/2020 Initiation date : XX/XX/2020 Since covid has started, I have had multiple issues with fraud. These fraud charges have been on all of my accounts. My checking, savings, and my credit accounts. The past two fraud claims I have done were denied for two reasons ; the time it took to place the claims ( which was done as soon as noticed ) and the fact that the chip and or pin were used. 
I have had to have multiple temporary cards while I have waited for new debit cards to arrive, as well as debit cards. The same goes for my credit cards. There were transactions that took place even when I did not have a card active on my account and only the digital card, however old temporary cards were used that were supposed to be deactivated once a new debit card was received. Those temporary cards have been shredded as soon as they were not in use. So this begs the questions ; how is a non physical card with no chip being used, and why were they not deactivated from my account as soon as I activated a new card. The same goes for the debit cards. 
I have changed the pin on my debit cards from my old one, however when i recieved my new debit card and went to use it, it still used my old pin. Even though it shows on the account side with the bank that the pin was changed. So transactions that i have reported should not have been denied in fraud. I lock and unlock my card for every purchase I make now, and some of the transactions happened when my account was supposed to be locked. 
In all of this why is it the fraud department has not noticed anything with my accounts. From the fact that i next to never touch my savings account and had not used my credit cards for so long. Why is it that the credit card fraud department has been so helpful and understanding with the fact that since covid has started fraud has gone up, and many people are being targeted, but not the bank. 
With the credit card fraud department i have had no issues with any of the claims i have filed, but i do with regular banking. Why is that? Why is it that the bank is making it seem that it is my fault for their lack of drive to fix these issues? Why is the fraud department lacking so far in their job that they can not help me catch these transactions that are happening? 
I report anything unusual as soon as i see it. it is not my fault that this keeps happening to me. With covid I hardly ever leave my house but yet I am being made into a criminal instead of what I really am. A victim. 
I want the denied fraud claims to be reopened and re-evaluated because the reasons given for their denial are null in void with the above information stated in this letter. I want justice for being treated like a criminal with things I had no power over and had no help in monitoring.
Product: Vehicle loan or lease

AMERICAN HONDA FINANCE Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$31000.00} Highest balance XXXX XXXX XXXX BALANCE IS WRONG AND INCORRECT, SHOULD BE UPDATED, REMOVED FROM CREDIT REPORT, HANDLED IN FULL
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute and Request for Deletion of XXXX XXXX XXXX XXXX  from My Credit Report Dear TransUnion, XXXX am writing to formally dispute the XXXX XXXX XXXX XXXX account listed on my credit report. I am requesting that TransUnion verify this debt and provide all original documentation, including any agreements or evidence proving this debt is valid and tied to me. 

I am challenging the accuracy of this account due to incorrect information. It is important to note that this account has already been disputed with the Consumer Financial Protection Bureau ( CFPB ) and subsequently deleted from both XXXX and XXXX. Furthermore, the CFPB has an ongoing lawsuit against XXXX for failing to properly investigate disputes, raising serious concerns about the validity of credit reporting across all bureaus. 

If you can not validate this debt as required under the Fair Credit Reporting Act ( FCRA ), I demand that the XXXX XXXX account be immediately deleted from my credit report. The continued reporting of unverifiable or inaccurate information is unacceptable and harmful to my credit profile.

I request written confirmation of the outcome of this dispute and any changes made to my credit report. Please respond within the 30-day timeframe mandated by the FCRA. If you have any questions or require further information from me, you may contact me at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote a dispute letter and I havent heard anything back from these companies. They put false information on my credit report from Experian an XXXX. I sent in all my documents an its still on my report. Causing hardenship for me an my kids. Ill send all my information i sent to them providing proof.
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX are all in violation of the Fair Credit Reporting Act and Privacy Act of 1974. Willful Non Compliance can easily be proven as I have made numerous amounts of complaints both with the company and the CFPB. Every corporation furnished on my consumer report owes me by law a Privacy Notice before they are allowed to furnish any information on my consumer report 12 CFR 1016.3, I dont hold any Privacy Notice for any of the corporations I am seeing furnished on my consumer report thats a violation and inaccurate furnishing, Also according to the fair credit Act USC 1681 section 602 a states there is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, Experian and XXXX are consumer reporting agencies an I am the Consumer. Its my right to make sure my private information isnt shared which is backed by 15 USC 6801 policy of the Congress.15 USC 604 a section 2 states that any consumer reporting agency may furnish a consumer report under the following circumstances and No other. In accordance with the written instructions of the consumer to whom it relates. The financial institution and the consumer reporting agencies XXXX Experian and XXXX do not have my consent to furnish information and they do not have my written consent. Any all consent to XXXX Experian and XXXX whether it be verbal, non verbal, written, implied or otherwise is Revoked. 15 USC 6802 ( b ) ( c ) Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the following letter into Transunion on XX/XX/2023 After reviewing my credit report, I have noticed that a collection account was added to my credit file. This account does not belong to me and I would like to request that it be removed from my credit report. 

The account in question is listed as XXXX XXXX XXXX  Account Number XXXX, which has been listed as a delinquent debt on my credit report. However, I have never opened an account with this company, nor have I received any correspondence from them regarding this debt. I believe this account has been erroneously added to my credit report, and I request that it be removed immediately. 

In accordance with the Fair Credit Reporting Act, I am entitled to dispute any inaccurate information on my credit report. I have attached copies of my drivers license for verification of identity. 

I would appreciate your prompt attention to this matter and a prompt resolution of the dispute. I understand that you have 30 days to investigate the dispute and provide me with a written response.
Product: Mortgage

I paid mortage for XX/XX/XXXX in 4 installments : XXXX XXXX XXXX XXXX which is a total of : {$3100.00}. The monthly payment is {$310000.00}. 

PNC still has Payment Due XXXX which has been fulfilled as of XX/XX/XXXX. On XX/XX/XXXX a late charge was assessed and the account was reported as delinquent. 

This is incorrect and I'm unsure why PNC has not corrected this error. My credit score has dropped XXXX points based on this error.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting acts. This creditor has violated my rights under 5 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnace an account without my written instructions. Under 15USC 166Ba creditor may not treat a payment under a credit card under a open consumer credit plan as late for any purpose.
Product: Credit reporting

I have XXXX account XXXX that was late 3 times in XXXX XXXX XXXX XXXX and XXXX XXXX. This account should be deleted but Trans Union has informed me that it will not be deleted until XXXX XXXX XXXX XXXX would have been 7 years and first delequeincy
Product: Credit reporting or other personal consumer reports

I have six hard inquiries on my credit report. the company did a hard credit pull with me knowing. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX Balance : {$1400.00} XXXX XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XXXX at XXXX I was depositing {$730.00} into a Bank of America ATM and ate my money ( it cancelled the transaction ). I checked if the money went to my account in the app, but nothing was deposited. I have called the bank and they told me options that werent needed for my problem.
Product: Money transfer, virtual currency, or money service

I'm a recent XXXX and I'm trying to save up some money to go to XXXX school so I could get a XXXX XXXX Degree. I found an apartment on XXXX that was fair in pricing. The " contact '' said that I can't view it, but I would need to hold it down using a deposit. I sent it over XXXX through my bank account with JP Morgan Chase. This happened on Saturday, XX/XX/XXXX. I went to see the apartment today and found out it doesn't exist and this person stopped responding to my e-mails. I called Chase to see if they could help out by reversing this payment. They said I need to take this up with XXXX. I called XXXX and got a robot response. I just want some help in this situation. Chase wouldn't provide any information on the recipient 's bank account, where it is located, etc. If that person is receiving money using XXXX, I believe this person has a bank account. If we can track it, then there's hope. 

I filed a police report with the Police Department ( details to follow if you need the case number ). I also filed a report with the FBI. Please help me get a courtesy refund. My family and I combined have been banking with Chase for close to 3 decades. If Chase could be supportive during this difficult time, that would mean a lot for loyal customers like us. I pray that Chase isn't a heartless bank giant like many others that don't care about how you're getting screwed. If Chase is that way, then our relationship has truly come to an end.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Experian removed an inaccurate account from my consumer report XXXX XXXX # XXXX. According to the FCRA 15 USC 1681i ( A ) ( 5 ) ( D ) consumer reporting agencies are supposed to report the results of a reinvestigation of inaccurate information to other reporting agencies. Ive disputed these accounts with XXXX and they have failed to provide me with a fair and accurate reinvestigation, if they did they would know those accounts are inaccurate and that they have caused grave damage to my reputation due to their unfair report methods. This accounts still remain on my consumer report as a direct violation of multiple laws within the FCRA.
Product: Payday loan, title loan, personal loan, or advance loan

I have requested multiple times to revoke authorization from my bank account and it has not been honored, attached are the emails as proof of my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING items 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 legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; US SM BUS ADMIN ODA - Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX  XXXX, LA XXXX ; XXXX - Inquiry Date : XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ; XXXX - Inquiry Date : XX/XX/2020
Product: Checking or savings account

I have had several XXXX from checking account with Navy Federal Credit Union. I wanted reimbursement from all the XXXX. I have had approximately {$12000.00} from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some items is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I filed a dispute with Equifax on XXXX regarding a collection account that is on my credit report. The Equifax dispute confirmation number s XXXX. The collection account was reported by a company called XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, MO XXXX for {$210.00}. I have no knowledge of this debt and have never received notice of the debt which I believe is a violation of the Fair Credit Reporting Act. The dispute I filed with Equifax stated as much. The dispute was required to be completed in 30 days on XX/XX/XXXX. As of today, XX/XX/XXXX, the dispute is still showing on myEquifax.com as under investigation and has exceed the 30 day limit. The collection account is severely impacting my Equifax FICO credit score. I've attached the email confirming my dispute and a screen capture taken today from myEquifax.com showing that the dispute is still active. I also filed disputes with XXXX  and XXXX  regarding this account and the account was removed from credit report within 48 hours. I have repeatedly called to try and communicate this information with Equifax and they still have not resolved the dispute. Furthermore, I received a notice from XXXX XXXX XXXX in the mail dated XX/XX/XXXX stating that I have 30 days notice to dispute the validity of the debt. This was received only after the account was posted on my credit report which is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Credco - Consumer Relations Dept XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below is information Ive identified on my credit report that needs to be deleted from your records immediately.

Attach you will see documents
Product: Student loan

I faxed my pslf information to Moehela in XX/XX/year> twice and overnighted my information by the XXXX deadline and Mohela states they dont have my paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off a settlement amount for a past due collection for {$360.00} on XX/XX/2018 to XXXX XXXX XXXX who is collecting on behalf of XXXX XXXX who was the original creditor. Credit Reporting Agencies need to delete this account now that it is paid and XXXX XXXX XXXX can confirm this to be true and they mentioned if they can they would delete my account off reports but that needs to be done by the Credit Reporting Agencies Immediately. 

THIS ACCOUNT IS NOW PAID AND NEEDS TO BE DELETED IMMEDIATELY off of ALL Credit Reports : XXXX, Equifax and XXXX
Product: Checking or savings account

I am a senior citizen and in XXXX of XXXX I opened an Affirm savings account to save money for XXXX XXXX. The account number is XXXX. I set up automatic withdrawals from my checking account to my savings account for {$50.00} a month. In XXXX I found I could no longer access my account through Affirm.com online with my computer. They apparently changed all their access to cell phones only. I could not access my account with my cell phone even after numerous calls to the company. I spent hours on the phone from XXXX to XXXX with no way to access my account to spend my funds for XXXX. I could not afford to use the money in my checking account so most of my XXXX shopping had to be canceled because of Affirm 's lack of response and efforts to resolve my situation. On XX/XX/XXXX I spent another hour on the phone with an Affirm representative, I canceled my account and asked that my savings be returned to me to the checking account they were withdrawing from, and to have all future automatic withdrawals canceled. On XX/XX/XXXX, I resent the copy of the requested bank statement for my checking account that I sent on the XXXX while I was on the phone with the rep. I have since found out there are over XXXX complaints online against Affirm and this very subject. I am appalled that a company would fail to respond while acting as a bank, to refund a consumer 's savings and I believe this is against the law and that laws have been broken. I believe the CFPB needs to investigate not just my case, but investigate this company for fraud.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Act, these three Credit Bureaus has violated my rights, XXXX  Credit Bureau. 
XXXX Credit Bureau. 
Transunion Credit Bureau. 

This is the correct information that only should be reporting on my credit reports Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Texas XXXX Date Of Birth : XXXX Social Security Number : XXXX PLEASE MAKE SURE ALL Personal Info Is Corrected To What I Have Placed Above Asap!
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 XXXX and Experian credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance : {$3000.00}
Product: Debt collection

On XX/XX/2018, XXXX from Diaz and associates contacted my job, work, mother, and fianc. I allowed my fianc to contact organization on my behalf due to them being closed when I get off work. She proceded to tell my fianc that it was not illegal to contact my work after I specifically stated that my job does not allow personal phone calls. In addition to this, she left voicemails that gave my personal reference and file numbers that could lead to my job gathering information.
Product: Credit reporting or other personal consumer reports

I sent a certified letter to Equifax to update incorrect information on my credit report. I sent two forms of identification, and a typed letter for readability, but received a response from Equifax that they can't locate my credit file. 

They also stated that my documents were illegible. While I sent the same documents to the other credit reporting agencies and they updated my personal information just fine. 

I am going to include the letter in question here.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.