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

On XX/XX/2020, I submitted a request to Equifax about the information on my credit report about the information they received from the US Bankruptcy Court. I received a letter from the court stating that they do not report to the credit bureaus. I received a letter back from Equifax stating that they verified that the information was accurate. After reviewing their letter it was found out that Equifax received this information from a third party company named XXXX which is a for-profit company that sells consumers information. This a violation of the Fair Credit Reporting Act and may be considered false information on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX  VICTIMS LETTER TO CONSUMER REPORTING AGENCY Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX La XXXX XXXX RE : XXXX  Block Request Dear Mr.or Mrs . 
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXX # XXXX opened XXXX {$49000.00}, XXXX XXXX XXXX # XXXX opened XXXX {$120000.00}, XXXX XXXX  # XXXX opened XXXX {$3400.00}, XXXX XXXX XXXX XXXX # XXXX opened XXXX {$25000.00} XXXX XXXX  # XXXX opened XXXX {$20000.00} is the Identify items resulting from trafficking that should be blocked, Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please email me at XXXX XXXX
Product: Debt collection

I 'm not sure what this debt is I know it 's from XXXX XXXX XXXX I had a cellphone with them. I 'm not sure what this debit is for and why it is collections and the first place and it has been in collection for 3 years I do n't think the amount is correct or Accurate. I think I am being over charged for aw service I never used I want proof and how it is this amount. Where is my signature at? Did I agree to this where the terms and fees accepted and explained to me correctly because I do n't think they were and I think I 'm being over charged for a service I never used.
Product: Credit card or prepaid card

XXXX unexpectedly transferred my credit card from XXXX XXXX  to Baryclds Bank this Summer. I was initially locked out of the account because my XXXX  account was originally made with a college email XXXX ), which I no longer have access to, and I was, therefore, unable to get into the new portal. Moreover, my automatic payments were not transferred. As such, the new bank charged me two {$30.00} late fees, despite trying many times to access the account to make the payment on the phone and in writing with an extremely delayed response.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHE MY FTC REPORTING TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TransUnion.
Product: Debt collection

So Ive tried to dispute these accounts that show on my credit report and wasnt able to get this situation resolved. These accounts where opened with out my knowledge and i believe they should be taken off my credit! My identity was stolen when I lost or miss placed my wallet and my social security card was in it as well as debit cards and picture Drives license.
Product: Debt collection

I called CMRE Financial Services to understand more about a debt that needed to be paid. My understanding was that the debt amount was XXXX, but they were trying to collect on XXXX instead saying that the principal amount grew to a new amount because of interest. When I questioned what this interest rate was or how it was assessed on medical debt that did not have an interest rate, they could not tell me how or explain what it was. They said it's just what was in the system and the new amount was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters in the mail for a while now about me owing child support money. I'm not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$100.00} XXXX XXXX {$800.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX   XXXX  XXXX {$1600.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXXXXXX XXXX XXXX {$740.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX {$1500.00} XXXX XXXX {$3500.00} XXXX XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

I dont have an account or any business with XXXX XXXX. Never had. the inquiry showing on my Equifax report should be removed.
Product: Checking or savings account

My Bank of America account was closed in XXXXXXXX XXXX XXXX. After doing research to figure out why it was closed, I found that it was closed due to what was called a " fraudulent check ''. The bank closed the account after I received my approved XXXX loan payment because they deemed it to be fraud when it was not. This negative remark was listed on cXXXX and early warning system. 

After Bank of America closed my account so did XXXX  and XXXX XXXX. I am only assuming because of the same reason. As of today I am unable to open a checking or savings account with any financial institution. The loan was approved by XXXX XXXX and was not fraud. I have attached the approved documents to this complaint.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I saw a member of a watch forum listed a watch for sale at at online forum. 

I reached out to him through the email, and received instruction to pay him at an account also at Chase bank, so I wired him XXXX dollars. I did not notice that the account owner 's name was different at the time - his email name was XXXX XXXX and his bank account name was XXXX XXXX ( these are likely fake names, see below ). 

Later that day however, I researched more into the seller and realize he goes by a different name on XXXX. So I reached out to him through XXXX, and the real owner of the account confirmed that this was not him and his watchnet account was hacked. He never owned the email address in question, this was created by the scammer. 

I reached out to Chase, and they initiated a wire recall request. However, they say that they can not do anything without the other party 's communication, which is unlikely because they're scamming me and advised me to contact law enforcement. My banker also informed me that the scammer 's Chase bank account was very recently created, likely with fake credidentials. 

A week later, Chase closed the investigation since the other party did not respond. My banker advised me to reopen the case, which I did. However, it has been a month and I have not heard back from Chase. I tried calling the bank phone numbers I was given but could not reach anyone.
Product: Credit reporting or other personal consumer reports

There is an unauthorized hard enquiry on my equifax credit report with the name of XXXXXXXX XXXX on XX/XX/2024. It looks like someone is trying to apply for credit cards using my SSN and name without my consent or knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.
Product: Money transfer, virtual currency, or money service

I sent several payments through Western Union for products that I ordered through a company that claimed it had agents around the world, but I never received the products. i contacted Western Union Risk departent on three occasions but not once did they answer. I could provide the MTCN for all the money i sent and perhaps western union could block the accounts and return jy money and since the accounts are strictly used for defrauding other people close the acounts but western union is NOT compliant and I have sent over {$10000.00} to these scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Bank continues to lag behind in reporting updated and/or accurate information regarding my auto loan. Currently, the balance is listed as {$17000.00}, nearly {$7000.00} more than the actual balance. This lag is artificially lowering my credit score.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodi
c statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

After conducting a thorough review of my credit report, I found several items that are inaccurate and require immediate correction. As stated under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. Additionally, under 15 U.S. Code 1681i ( 5 ), inaccurate or unverifiable information must be promptly deleted or modified. 
I have identified multiple accounts and inquiries that are fraudulent and inaccurately reported on my credit file. Despite not authorizing or initiating these inquiries or accounts, they are appearing on my credit report and are negatively impacting my credit profile. Below is a detailed list of the accounts that require removal. 
Accounts to be Removed : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Removal date : XX/XX/XXXX Resolution Requested : Please investigate and promptly remove these fraudulent items from my credit report. These accounts are inaccurately reported, and their presence violates federal law as outlined in the Fair Credit Reporting Act ( FCRA ). Kindly provide written confirmation once these items have been removed, and ensure my file is updated accordingly. 
Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my XXXX XXXX. 
XXXX. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. 
- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers. 
- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
Product: Debt collection

Jefferson Capital Systems - XX/XX/year> - This company remains as a collections on all three of my credit reports. I recently received a letter in the mail attempting to collect a debt for this same account from XXXX. When I spoke with the agent this month from XXXX, she advised me that they recently received the account in XX/XX/year> and would submit a dispute to XXXX to verify debt. However, Jefferson Capital Systems still remains on my report for the same debt and reports monthly of no payment received when they do not have the account.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credict reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidenciallity

under 15 USC 1681. The accounts bellow have violated my rights. 15 USC 1681 section 602A, States I have the right to Privacy. 15 USC 1681 Section 604A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681C ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containning 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 USC 1681s-2 ( A ) ( a ) 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 be
lieve that the information is inaccurate XXXX XXXX XXXX XX/XX/year> Equifax
Product: Credit card

On XXXX XXXX or XXXX, I received a letter from Capital One that the XXXX dispute had been essentially resolved, though it had and the letter indicated it was final, my limit remained at XXXX and the funds that should have been available were not. I contacted them and asked why and no one could give me an explanation as to why, in fact when I call, I am advised that they're collecting a debt, which my account is not past due nor late. And when I called today, because I received another letter that it was final, again I got the run around. My available credit should be available and not held hostage due to capital ones ' slow movement, and in fact, it should have been available during this whole thing but they make their own rules and do what they like which is why I'll be canceling the card in a few weeks, after I look into others because I don't do business with any business that doesn't put their customer 's needs first nor respect their customers nor their money. And capital one is almost the worst bank. # XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was messaging with someone on XXXX who I thought was going to help me with my XXXX, but he talked me into sending him {$60.00} through Zelle from my bank. This turned out to be a scammer who just wanted full access to my bank account because as we were messaging each other, this gentleman was quite persistent and impatient with me giving him my bank login information. He also seems to use other people 's phone numbers to receive money from Zelle or XXXX. 

I had called my bank the very next day and the customer service told me that he definitely tried to access my bank several times that day, but luckily my bank knows which devices I use and my location and they blocked him from having access. 

However, they were unable to reverse the {$60.00} because my bank mentioned the process was instant.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account listed on my XXXX credit report. The details of the account are as follows : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$100.00} Status : Dispute resolved reported by grantor This account was opened when I was under the age of XXXX and, as such, I am not legally liable for this account. I did not authorize this account, nor did I have any involvement with XXXX XXXX at the time this account was allegedly opened. 

I request that the CFPB investigate this matter and ensure that this account is removed from my credit report. I have already attempted to resolve this directly with XXXX XXXX and XXXX without success. 

Enclosed are copies of my identification documents proving my age at the time the account was opened, as well as a copy of my credit report highlighting the disputed account. 

Thank you for your assistance in resolving this issue promptly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 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 instruction
Product: Prepaid card

Wells Fargo opened an account without any type of authorization from me. I do n't use any of their services ; I have no pre-existing relationship with them. I received a pre-paid debit card from them earlier in XXXX. It would appear that Wells Fargo needed to meet some type of quota and is fraudulently opening accounts in people 's names without authorization from them. It does n't appear that someone outside of Wells Fargo opened this up because it 's a pre-paid card and it was delivered to me and not somewhere else.
Product: Debt collection

Eastern account systems has continued to old medical bills, that have pass the statues of limitations and it should not appear on my credit report.
Product: Credit card or prepaid card

I've requested an increase in credit card and received a deny with unclear explanation. 
My credit score is over XXXX with excellent history of the past two years.