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

These are not my inquires and do not need to be on my credit report and are being reported by experian. I sent them a letter XX/XX/XXXX and still not response. 

XXXX XXXX XXXX- non specific Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX These are not my inquires and do not need to be on my credit report and are being reported by XXXX. I sent them a letter XX/XX/XXXX and still not response. 

XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX These are not my inquires and do not need to be on my credit report and are being reported by XXXX. I sent them a letter XX/XX/XXXX and still not response. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX
Product: Debt collection

They had been called at any time and any days including weekends. 
This bills should have been paid by my insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed 2 disputes to the 3 credit bureaus last year on XX/XX/XXXX and XX/XX/XXXX. This year, I mailed 2 more disputes on XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX I have yet to receive XXXX single response to the dispute letters I mailed out from XXXX, XXXX, or TransUnion, with 1 exception. TransUnion sent me a letter saying that they applaud me for working on my credit but, they don't believe that the dispute was sent from me... who else would it be sent from. I'm tired of these stall tactics, these companies are blatently violating the FCRA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm concerned that the freeze on my credit report ( or my credit itself ) has been compromised. When I attempted to access my credit report online and was asked about recent accounts ( which I didn't open ), I was told that the information I entered was wrong. I assume that means that there are loans/cards that someone else opened in my name. Can you help me? All three credit bureaus acted like I was a criminal for trying to understand what was going on. 

I finally got through to the FTC, but it was a series of " press this button '' and " I can not understand what you said. '' Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, GM notifies me of technical difficulties in not reporting to bureaus from XX/XX/XXXX. They also stated that " None of GM Financial 's customers credit was negatively impacted. '' This is not true. My bureaus had not had any payments listed since XXXX, XXXX. I contacted GM on XX/XX/XXXX for an update & request a credit letter because I received a letter from my credit card company ( which was paid off ) stating that they are closing my account " since I don't pay my bills. '' Since GM was the only account I had open but not reported, I can only assume it was them. I was told my account was scheduled to be updated by the end of XX/XX/XXXX and that they would fax the credit letter over -- it never came. I called again 3 more times, spoke to supervisors, all to get the same answer. On XX/XX/XXXX, a fax arrived but with someone else 's information. This has been ongoing since. Of all the Bureaus, 2 show my account as " closed '' and 1 is " open '' and GM blames the bureaus. My credit rating has been severely impacted and still is to this day. 

The issue is the comment GM has added to the account ; " Chapter XXXX Bankruptcy Dismissed ''. My car was not apart of the bankruptcy and if this information triggers the account to close. When it is removed the accounts is open again. This have been going on for almost a year and a half impacting my credit reports. I finally had to send an e-mail to the CEO of GM Financial with documentation showing that when the information was added to the comments the account became closed and once it was removed it opened again. This worked until they recently updated my bureaus and the remarks were added back in again. My scores look like a EKG reading.
Product: Credit reporting or other personal consumer reports

This account is said to be a charge off/ paid off. It is not mine
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries reporting to my credit and I want them removed immediately 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

PNC bought out my bank about a month ago and I have not been able to on-line banking since then. I have call customer service and several times and even went into a branch. I have yet to get a person on the phone even after waiting over 30 min. and they could not help me at the branch. I need access to my money and they are making it extremely difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 items XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX Balance : {$6000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting

Equifax has not investigated any of my accounts - Congress states that once I notify them that there is inaccurate information, they must initiate an investigation and the burden is on them to prove that their information is incorrect. They did not investigate, they did not attempt to investigate and this information has been sent to them 5 months in a row with no results whatsoever. I will be hiring an attorney to act on my behalf as I now have proof that they have violated many laws. Why are n't they helping me? I have clearly stated my disputes and I am sending you ALL of the letters that I have given them. 
Please see attached letters which substantiate my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax XXXX XXXX the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} FXXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

TransUnion File Number:XXXX. 
Please see attached Legit Source of Documentations from the U.S. Law Enforcement Agencies. Please STOP HARRASSING ME TO KEEP ASKING TO GO TO THE XXXX XXXX TO MAIL ALL OF THIS. This is the reason I upload everything in the CFPB Portal for you to receive them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found the account that was not mine. This account have never been opened by me or with my permission. I need your assistance to stop this account from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any account mentioned in an identity theft report. To aid with the blocking of the fraudulent account that was discovered on my report, I have included some documents. 
XXXX XXXX Balance Owed : {$0.00}
Product: Credit card

Citizen Bank has an account that is attached to my credit score that was opened in XX/XX/2023. The address and phone number are not mine, the account is not mine. The loan type is a credit card which I do not have an account with them. The amount on the credit card is {$15000.00}, where there are missing payment. I filed a dispute which Citizens denied which I do not understand since this is fraud and not my account. This account is attached to my maiden name not married last name. The person who opened this account lives in MA while I live in XXXX. I need to get this removed from credit report and name since this is drastically lowering my credit score.
Product: Debt collection

XXXX XXXX Account XXXX On XXXX, A company shown as CONVERGENT OUTSOURCING was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of them. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's mine. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.
Product: Credit reporting or other personal consumer reports

Experian clearly uses the 60 day response period to scam consumers by first lying saying they are still working on the issue and right at the end of XXXX the 60 days thy close the complaint JUST LIKE THIS ONE AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit card

I am filing this complaint regarding fraudulent charges on my Chase Credit Card account that Chase has incorrectly held me responsible for. Despite following the appropriate process to notify Chase of the fraudulent activity, the bank falsely informed the CFPB that I did not alert them about the unauthorized charges. I have documentation proving that I did, in fact, inform Chase about these fraudulent transactions in a timely manner. 

I have called Chase numerous times over the phone, which they denied in the previous complaint # XXXX by stating I did not contact them. 

I have contacted them in writing on XX/XX/year> at XXXX and Chase confirmed receipt of this message on XX/XX/year> at XXXX. 

Upon discovering these unauthorized charges, I immediately notified Chase and followed all the steps they outlined to dispute the transactions. Despite my diligence, Chase denied my claim and stated that I was responsible for the charges. Subsequently, Chase responded to the CFPB with a false assertion that I failed to report the fraudulent activity, which is completely untrue. 

I have evidence which confirm that I reported the unauthorized activity. Chases handling of this matter is unacceptable, and I believe it constitutes negligence and bad faith in handling my claim. 

Requested Resolution : I am seeking the following : 1. A full investigation into the fraudulent charges on my account.

2. A reversal of the disputed charges and reimbursement for any related fees.


3. An explanation for why Chase misrepresented the facts to the CFPB. 4. Assurance
that this situation will be properly addressed to prevent similar issues in the future.

I am attaching all relevant documents to support my claim, including proof of my initial report of the fraudulent charges and Chases responses. 

In addition, in complaint # XXXX Chase states they can add a merchant stop payment but when I spoke with them over the phone, they said that was not an option for me. 

I trust that the CFPB will take appropriate action to ensure this matter is resolved fairly and transparently. Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened a Dispute on XX/XX/XXXX for Case ID : XXXX XXXX track ( third party website ) is showing that USPS Delivered the item.

But when I go to USPS website they are not showing tracking information for this item I did not receive this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello On XX/XX/XXXX I contracted a individual secured auto loan for {$5800.00} with the XXXX, and monthly payments of {$120.00} were due on the XXXX of each month. The first part of XXXX I had lost half of my income and attempted to keep things a loft however things did fall behind, at the first part of XXXX I did fall behind on the loan however sporadic payments where made. On XX/XX/XXXX I received a call from USAA collections I spent over an hour on the phone when over this account and another one. I believed had made myself clear that I was wanting to pay this loan off in full during this call and the USAA rep never informed that the loan was about to be charged off I also had two pending payments one for XX/XX/XXXX & XX/XX/XXXX. It appears that the XX/XX/XXXX did not go thru, and they called and spoke with me again a couple of days later and also never updated me on the status of the account. My issue is USAA never informed me that the loan was in a charge off status for me to prevent it, USAA had several opportunities they should have provided this information either during the out bound calls or on my monthly statement, they hid what my account status from me. USAA stated they sent my account to XX/XX/XXXXXXXX never spoke with XXXX  they never contacted me, as I had already been in contact with USAA charge off area and made them aware that the loan was going to be paid in full and was paid to them on XX/XX/XXXX not to XXXX so another lie from USAA. Under the fair credit act USAA should be updating the account holder of the status of the account in this case it was about to be charged off, USAA should have never charged off the loan with out notifying me so I could attempt to correct the issue. 

Here is a short history what USAA has put me thru when i asked why they charged off the loan and pulled the phone records 1st. I was told I hung up the call and that is why the loan was charged off 2nd. XXXX XXXX said I had made a promise payment that was missed and the loan went into charge off, and it is USAA policy don't to discuses when a loan will be charged off with the account holder 3rd A combo between a missed payment and I told them not to call them, but the call on the XX/XX/XXXX & on a couple of days later was out bound call from USAA collections so another lie My most recent call with XXXX XXXX I believe went well, however the response I received in writing did not match what she said. USAA keeps changing their story trying to see what will fit to make them sound good in this issue, however this is bank error and needs to be corrected. The staff at USAA will just lie so I have no other option to seek help here, so everyone can see what USAA lending practices or lack of them.
Product: Debt collection

Midland Credit Management, Account number XXXX, Contacted me via mail regarding to attempt to collect debt. I agreed to pay XXXX XXXX Bank before they sold the debt to XXXX but there were miscommunication and misunderstanding with XXXX XXXX Bank. I do no agree to pay XXXX and debt owed to them as they will not remove the collection now placed on my credit report. Please help me remove this collection debt placed on my credit report.
Product: Debt collection

They are refusing to help in any way. I was good on my payments until XXXX XXXX happened. And I was unable to work. They didn't work with me and ended up repossessing the vehicle. I made an attempt to pay them some of the past due one I got a job. But they wanted all the missed payments before they'd help. So the repossed ll the vehicle.
Product: Checking or savings account

i opened an special account at wells fargo 2018 i was not able to use the account. I have filed treasury direct forms in which were signature guaranteed. Instead informing me of anything my account was closed. All accounts payable and all accounts receivable how do they get to use my credit and if im the principal how is it i can use my account under penalty of perjury. They have not given any information on my account since why it was even closed.
Product: Debt collection

Good Afternoon, I contacted XXXX XXXX after receiving an alert on my credit file of an inquiry. After contacting company I explained to company Ive been a victim of identity theft since 2007. 

Ive had numerous bank accounts, housing and credit opened on my name. XXXX XXXX provided me a credit file that had incorrect information listed - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  Ive disputed XXXX XXXX - debt collector for XXXX XXXX is XXXX XXXX XXXX. XXXX XXXX XXXX  sent documentation to be removed from credit file/ all other credit Bureaus have complied with removal however Experian and XXXX XXXX has not removed XXXX or XXXX XXXXXXXX XXXX which is the collection agency for XXXX. 

Attached is the letter from XXXX XXXX adjusters for removal. 

XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX are fraudulently opened accounts. To open account in my name company must ask identifying questions and contact me via phone. I never received a phone call from any of these companies. 

Attached are copies of police reports from XXXX now. Also attached is my -fraud Alert on my credit file. 
- report verification from XXXX XXXX. 
- letter sent of most recent attempt from XXXX XXXX. 

I have done my due diligence in contacting CFPB, FTC filing Police Reports, Registering on all major credit bureaus as an Identity Theft victim. This has been a nightmare. Please Help.
Product: Money transfer, virtual currency, or money service

i am filling a complaint against cash app ( block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The credit bureau are reporting information to my credit report that is not authorized to be on there and the information being reported is incorrect and should have been off of public records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this error now a few times and Experian is not addressing my dispute. This is inaccurate and false Public Record XXXX
Product: Debt collection

This company sent me written communication about an alleged debt that I have with another company. I called the company and requested validation of this debt and they were unable to provide that. They stated that the account left their office 30 min prior to me calling in regards to the debt.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights and privacy and confidentiality under 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 XXXXXXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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- ( 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.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX  XXXX XXXX and XXXX  XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.