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

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ( XXXX XXXX ) Credit giant XXXX sent lenders incorrect credit scores for millions of consumers this spring, in a technology snafu with major real-world impact. 

In certain cases the errors were significant enough the differential was at least XXXX points for around XXXX consumers that some would-be borrowers may have been wrongfully denied credit, the company said in a statement. 
XXXX ( XXXX ) fell about 2 % Tuesday on the report and were down nearly 5 % and shortly after the open Wednesday. 
The problem occurred because of a " coding issue '' when making a change to one of XXXX 's servers, according to the company, which said the issue " was in place over a period of a few weeks [ and ] resulted in the potential miscalculation '' of credit scores. 
While XXXX did not specify dates or figures, a XX/XX/XXXX alert from housing agency XXXX XXXX to its clients said XXXX told the agency that about 12 % of all credit scores released from XX/XX/XXXX to XX/XX/XXXX may be have been incorrect. 
XXXX wrote that " there was no shift in the vast majority of scores '' and that " credit reports were not affected. '' But the company declined to comment to XXXX XXXX about how people can learn whether they were among those whose credit scores were incorrectly reported and what recourse they may have if they were issued loans at a higher rate or denied a loan outright because of the snafu.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX and possible other credit reporting agencies to come have not displayed responsibilities with fairness, respect, or privacy in relation to consumers credit reports by admitting to these statements XX/XX/2022. I have a right to demand any unfamiliar, incorrect, or inaccurate information be removed from my credit report, immediately. As this mishandling of information has put my family in a state of suffering and need to be resolved immediately. XXXX needs to be held accountable even if that means paying individuals affected, especially myself.
Product: Credit reporting or other personal consumer reports

The following inquiries were unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.
Product: Checking or savings account

I filed a complain with CFPB XX/XX/XXXX CFPB XXXX. 
CHASE reference number XXXX Chase has once again denied my claim on XX/XX/XXXX. stating CFPB XXXX stating " customer advised PIN was written down in your wallet that you stated was lost '' I never said I had the pin written down anywhere, their representative " suggested '' and I said " Well no!, I have a code system that I can only decipher '' There is NO WAY people are able to know those specific codes because the ACTUAL PIN number WAS NOT written anywhere in my wallet. I had no problems with my other credit card companies and XXXX bank, they saw unauthorized transactions did in fact happened. clearly saw I was a victim of credit card fraud. 
If a reasonable instigation was conducted by Chase. They would have found, the fraudulent transaction doesnt match my purchasing pattern, such as types and amounts of purchases, with the consumers previous purchases. purchases/ withdrawals were not made relative to the my address and typical shopping venues Therefore, Id like to request a proper reasonable instigation, on said dispute said transaction, XXXX terribly dissatisfied with Chase handling my case. 

Briefly, Id like for Chase to please correct the error on my account promptly.
Product: Vehicle loan or lease

I just contacted XXXX XXXX XXXX to obtain a loan for a new ( used ) car. My credit score and situation is because of intentionally delayed unemployment spanning over the last 5 years that destroyed my credit. I was approved for the loan Reference # : XXXX through several banks under American Credit Acceptance . But I am being told I have to put down {$1000.00} in order to go ahead with the loan as a form of collateral. I don't have {$1000.00}! And I should not have to put down {$1000.00} in order to get the loan. To top it all off, they wanted to give me a XXXX XXXX interest rate, which is ridiculous. That interest rate is because of my governments negligence of processing anything in a timely manner. And I shouldn't have to sue them to get anything out of it. 

I'm a single female, making roughly {$66000.00} a year and they are requesting either a {$1000.00} down or a co-signer. I should not have to do that! 

That is discrimination! I have the means to pay the payments myself. I'm in this situation because of my government.
Product: Credit reporting

In XXXX, I lived in California. I had never paid CA state taxes, and in fact, every year I received a refund. When I married a XXXX XXXX man, the military moved us across country in XXXX ; he XXXX shortly thereafter. I had no idea that CA was in the process of incorrectly processing a tax return for me. Truthfully, I felt almost benevolent in that I had not yet bothered to apply for the monies I knew California would owe me. 

They assessed that I owed them {$1100.00}. Not only was their calculation incorrect, but they actually owed me {$350.00}. 

When we applied for a loan, I saw the lien on my account and immediately filed my XXXX taxes, requesting my refund and that the lien be removed from my credit report. The CA XXXX can not remove it from my credit report, because they do not report to the credit bureaus, rather it is made public knowledge, and the bureaus access the public knowledge. I did get a letter from the XXXX that stated the tax return I submitted on XXXX/XXXX/XXXX, 10 days after the lien was filed, showed a balance due of zero. 

It is frustrating to see that the lien shows " paid '' on my Transunion credit report, as I never paid a single dime to have it removed, because I owed them absolutely zero, and they owed me {$350.00}. 

Equifax shows no status at all, not paid or released, just ... nothing. 

I do not know what XXXX shows, but it likely is n't much better. 

This is an unfortunate error that is causing serious detrimental effects to my credit. I was never a tax dodging citizen as this blemish accuses, rather someone who was overwhelmed by the new responsibilities of being a XXXX wife, and thinking I had nothing to worry about, as I knew, rightfully so, that I owed no money. 

If there is anything at all that can be done to assist me in this matter, I am immensely grateful for your support and action. 
Sincerely, ( you wanted no personal identifiers, so I will say XXXX XXXX )
Product: Credit reporting or other personal consumer reports

These accounts are reporting erroneously on my credit. I have never contracted with these companies and suspect identity theft. 



XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX {$1800.00}
Product: Debt collection

The hospital made a mistake and did not tell the XXXX department that this was a charity case from date of service due to non billable health insurance. 
I was never contacted by the collection agency before information was reported to the collection agency. 
I contacted A/R Resources collection agency I told them I do not owe this bill and to contact the XXXX department and they did not use proper collection protocol before reporting to the credit bureau. I have faxed over proof that I do not owe this bill and they are refusing to remove from my credit report.
Product: Debt collection

Daily harassing phone calls. I did call to complain to Pioneer Credit Recovery an they wanted to verify personal information which I refused to give. I have no outstanding debts and do not know why this company continues to harass me.
Product: Debt collection

In 2017 someone used my either lost or stolen government ID to get an apartment on which they have an eviction, got medical bills in my name, utility accounts, and bank accounts. I've contacted several companies and most of their advice was to file an identity theft report first.I contacted the apartments and the debt collection agencies, and they weren't able to help me. Literally every single account open and in collections from 2017 was not me. I attached my credit report that has all of the information for more help and detail. I have filed a police report for the identity theft and have attached that as well. 

Company : NATIONAL CREDIT SYSTEM Balance : {$2500.00} Date Opened : XX/XX/2017 2017
Product: Money transfer, virtual currency, or money service

At this time Coinbase has blocked me from getting access to an account that I previously went through all of the trouble of reporting them for, only to now not be able to get back into the account. This matter was previously addressed in # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to Experian However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A : States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX / XXXX XXXX XXXX : XXXX / XXXX XXXX BUSINESS TYPE : AUTO DEALERS DATE OF XXXX : XX/XX/2021 XXXX / XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Payday loan, title loan, or personal loan

I informed  Quality Lenders  in writing that my checking account was negative and not attempt to withdraw money because it would send my account further into the negative and bounce the EFT attempt, on  XXXX   XXXX   Quality Lenders  sent through two {$80.00} checks, when my normal payment was {$80.00}, which of course both bounced and gave me returned check fees and sent my account even further into the negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and account reporting to all three of my credit bureaus inaccurately, per the FCRA whom reports to my credit bureaus needs to report accurate information. There are 5 discrepencies on all three of my credit bureaus. This account needs to be deleted asap.
Product: Credit card

On XX/XX/XXXX, I filed a claim through paypal for a total of {$300.00} for goods that had not been received. I could not file a claim for a separate order of {$68.00} with paypal due to the window of 180 days. The seller goes by XXXX XXXX and her website is XXXX XXXX XXXX Previously, I had contacted the seller to find a resolution on where my goods were. I should have received my goods by XX/XX/XXXX. I contacted the seller on XX/XX/XXXX & XX/XX/XXXX. Seller did not respond, so I filed a claim through paypal. On, XX/XX/XXXX paypal closed the claim in the seller 's favor. On, XX/XX/XXXX, I decided to contact SchoolsFirst FCU to file a dispute. Schoolsfirst FCU said the window to dispute had passed and they could not assist me in receiving a refund.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I froze my credit with all three reporting agencies. On XX/XX/XXXX all three agencies had lifted that freeze fraudulently. I did not request that. Experian sent me an email telling me it had been lifted. BUT XXXX XXXX did not. I did not know they had lifted it until I checked it. They allowed someone to removed the freeze over the phone. They allowed my account to be hacked, they allowed someone to steal my identity. They assisted bad actors in theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is not reporting correct information nor providing documentation of my payment history to the 3 major credit bureaus. I have never been late with payments. I have disputed several time with no results.
Product: Debt collection

I have received XXXX phone messages from this number, ATG credit, XXXX, threatening me with taking action against me for a debt that I do not owe. I think this is a scam and I am reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have enough confidence in LEXISNEXIS to fulfill my request for my file disclosure. Too many other consumers are having problems with them not listening to the consumers ' needs. So I am utilizing the CFPB in order for me to insure the accuracy of my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 20 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible XXXX XXXX XXXX {$53.00} XXXX  XXXX  XXXX {$440.00} XXXX   XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}
Product: Prepaid card

Good Day I XXXX XXXX XXXX old Single XXXX XXXX on a VERY LOW FIXED income XXXX. Please see attachment of my XXXX XXXX. 

I XXXX XXXX am Single XXXX XXXXXXXX XXXX  very low fixed income XXXX monthly am writing this via email in reference to my Dispute on Card XXXX for {$500.00} with XXXX XXXX XXXX. My Card Stolen from me and compromised. 
I was paid cash back XXXX time so I cancelled dispute. Happened again same person. I dispute charge wrote a letter. 

My Concern : WHY did ADP Associate PREMATURELY post XXXX to my Account in XXXX 2023 without COMPLETING the Investigation? I'm NOT liable!!! 

That's an ADP ERROR and Inconvenience to your XXXX Customer whom really like my XXXX services. 

I should not be Unfairly held Liable for XXXX which should NOT have been posted to my Account until Investigation was COMPLETED. 

I noticed the XXXX posted in my Account that meant to me the Decision was APPROVED AND COMPLETED. 

Now I'm put in a position by ADP Associate that Claim Denied 60 DAYS LATER. That's Unethical, Unacceptable and Unfair to the Customer. 

Now I'm in a FINANCIAL HARDSHIP!! 

ADP Associate POSTED PREMATURELY before completing said Investigation. Now Customer is being held Liable for ADP ERROR OF ACTIONS. Someone fix this please!!! 

When I Disputed XXXX XXXX ADP did NOT Prematurely post the {$1300.00} to my account BEFORE COMPLETING Investigation. 

Matter of fact ADP DENIED that claim. 

But! If view my Account XXXX XXXX themselves REFUNDED {$1300.00} although ADP DENIED ..... 
I HAD TO CONTACT XXXX, XXXX  AND XXXX I'm Rebutting last email promise to pay XXXX monthly and Disputing AGAIN XXXX Fraudulent action on my card which as been Compromised. 

I wrote a letter requesting ADP to Re-Investigate this Dispute incident. 

Im requesting ADP to make this situation right. 

XXXX should NOT have posted PREMATURELY until Investigation COMPLETED. 

If view my Account all this night mare started for me XX/XX/2023. Moving company 's FRAUDULENT over charging, they held and tried to steal my furniture which i did get back along with XXXX XXXX. 

Next thing my card stolen and compromised again unauthorize use for XXXX again XXXX XXXX. 

I'm Homeless due to this whole situation I endured with the moving company and card compromising. Lost my affordable housing fighting them 2 months to get my things per the XXXX XXXX. 

SEE ATTACHMENT : IM UNABLE TO PAY ADP 'S Associate Unethical Premature ERROR of this post of XXXX to my Account. I thought Dispute was Approved. 

Please help make this right!!! 

Humble Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below is not mines. Not sure where it came from or why it is on my report. I disputed this within 30 days of it being on my report. 

Also by law the company has to send me legal notifaction of this debt and give me the right to dispute and they have not. 



1. XXXX XXXX XXXX Last reported XX/XX/2020 {$1500.00} Reported balance
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ). I have attached the documents needed and a victim determination letter from an approved government group helping me due to XXXX XXXX debt bondage, which falls under XXXX. As defined by XXXX- debt final rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I request that you block this information from my credit report within ( 4 ) business days pursuant to section 605B of the Fair Credit Reporting Act. I am a victim of human XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted by Equifax delete all of the accounts listed on this FTC and the accompanying letter stating I am a verified victim of XXXX XXXX
Product: Debt collection

XXXX, This account XXXX is reporting different information on my credit reports. 
This account is unknown collection. 
Please furnish the following 1. The accounting history, detailing past due amounts, amounts owed etc. 

2. Personal information associated with this account for identity purposes. 

3. Contracts detailing legal authority to accept payments.
Product: Bank account or service

I had a bank account closed on XXXX XXXX 2015 and I was not notified. As to this day I have no idea why the account was closed or what the issue was. Due to this action by US bank my car, credit cards and utility bills have all not been made and have effected my credit score. The account in questions XXXX The account had no actions on it for a week and had no negative balance. This account that was closed was a direct deposit account for my paycheck. This amount was not taken into US bank and at this point I have not received my wages. US bank has also charged me overly for late and over draft fees for over six years. I have continued to ask for explanation on this and have received none. US bank can not just closed a account without notices to the customer a give them ample chance to change information so wages and bills are not unfairly effected. I have a family and each of my paycheck is needed for housing and food.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts XXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$9100.00} XXXX XXXX  XXXX Balance : {$4000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate