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

I've been going back and forth on numerous occassions with XXXX, XXXX and TransUnion regarding Bankruptcies placed on my credit report. ref # XXXX and XXXX. Based on the letter I received from United States Bankruptcy Court XXXX District of XXXX  stating that it does not provide information to credit reporting agencies. Due to Bankruptcy cases information being available for any interested party to review. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They need my written consent to add anything to my consumer report. I didnt give any permission nor consent or authorization for this action to take place on my consumer report. This is a violation to the Fair Credit Reporting Act. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, No adverse items besides the conviction of crimes should be on your report, any items that is a derogatory mark is not allowed into consumer reports this is another violation. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX, TransUnion and XXXX are not maintaining reasonable procedures. 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 or other personal consumer reports

I am writing to bring to your attention concerning the recent distressing experience I encountered during an investigation of my credit report. Regrettably, this inquiry revealed a number of unverifiable, invalidated, inaccurate, and questionable items that your agency has failed to ensure are reported with 100 % accuracy. 

As per the provisions outlined in the Fair Credit Reporting Act, it is imperative that all information contained within my credit report meets the stringent requirement of being entirely accurate. However, upon closer examination, it is evident that several accounts are in violation of this mandate, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 

Given the gravity of this matter and its potential implications on my financial standing, I respectfully request your agency 's immediate attention and remedial action to address these discrepancies. Ensuring compliance with federal statutes governing credit reporting standards is paramount in upholding the integrity and fairness of the credit reporting system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter via certified on XX/XX/XXXX, to XXXX, Equifax and XXXX asking to investigate the reporting or validate the debt of these accounts I have listed. Its been over 30 days and I have not received a response. This is violating my FTC rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Zelle has not taking my concerns seriously I was told there is no way to refund the transactions. Zelle allowed repeat offenders to keep taking from people with no consequences at all. I have not been able to get straight answers
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, Im XXXX XXXX I have noticed my credit score has recently dropped to my surprise as Ive been making monthly payment online and havent been late in a while. I then dove deeper through XXXX XXXX   and found that I have 3 hard inquiries on my XXXX XXXX report. One of which I take full responsibility for which is for XXXX XXXX. The other 2 are for syncB and XXXX XXXX neither of which are from me and I would like to dispute these inquiries as they are tarnishing my reputation and credit history and wrongfully doing so
Product: Money transfer, virtual currency, or money service

I have been trying to transfer money from my XXXX citibank account to a XXXX based currency conversion company for the past week and at this point, I have no hope. 

On Wednesday, XXXX of XXXX, I used the Citibank website to transfer money for the first time. On Thursday, I received an email saying that the bank needed more information. I called up the customer service number. The first three times I tried to call, the line disconnected after waiting 10,15, and 30 minutes. I called back later in the evening ( XXXX time ) and spent 1 hour on the phone answering security questions. The line was extremely bad and I could barely hear the woman. At the end of the process, she said the transfer would go through. The next morning, I received an email telling me the transfer had been cancelled. 

I called back yesterday ( XXXX of XXXX ) and spent another hour on the phone with a women from the fraud team who advised me to place a new transfer and call the next day to answer security questions. I made the transfer and then I called up this afternoon ( XXXX of XXXX ), as instructed. I spent another hour on the phone answering security questions. At the end of this conversation, the woman said that the transfer would go out today. Five minutes after hanging up, I received an email telling me the transfer had been cancelled and the funds returned to my account. 

I then called back customer service and asked to speak to a supervisor. I was told the supervisor would call me back in twenty minutes. After forty minutes had passed, I called customer service and once asked for a supervisor. After spending another 10 minutes answering security questions, the woman said she was transferring me to an 'associate '. I have now been on hold for over forty five minutes.

I just want to make a wire transfer and I do not understand how a company can waste someone's time like this. Please fix your procedure and let me transfer my money. This is making me want to switch banks. Many thanks.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue I am having is with XXXX XXXX XXXX XXXX credit card department. The information that is on my credit report for all 3 credit bureaus is inaccurate and has made a major impact on my credit score. The account is closed on my credit report, however it is currently active. The amount I am in debt is also incorrect. 

I reached out to XXXX credit department sometime in the summer of XXXX about the issue and have still yet to get anything resolved. I did speak with XXXX XXXX and have sent request to the other XXXX XXXX in various occasions. 

I have spoke to the credit bureaus as well many times and still no progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive sent out several letters to the bureaus requesting an investigation into my disputes regaurding my credit report and the investigation has not been completed in the allotted amount of time. first letter was sent on XX/XX/2022 no response. i sent another letter demanding a reply on XX/XX/2022. still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 fraudulent cards where opened in my name. One is a XXXX business card  and the other is a fidelity credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I value you setting aside some margin to UPDATE a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureau to confirm this records ( 1 ). ( A ). I'm hoping that this disputed account get updated. 
CAPITAL ONE BANK USA XXXX Open Date XX/XX/2016 Balance : {$8500.00}
Product: Credit reporting or other personal consumer reports

My credit file was pulled and didnt receive a product and this is a violation and identity theft.
Product: Vehicle loan or lease

My lease end date was XX/XX/2022. 

In mid XX/XX/2022 my vehicle was involved in an accident. 

I was given instructions by my dealership to take the car to their certified repair shop, which I did on XX/XX/2022. 

I was instructed to extend my lease and continue making payments while the vehicle was being repaired. I have been continuing to make payments past my lease end date. 

I was informed by the dealership and the repair shop that parts to repair the vehicle are back ordered over one year.

Because of this, they are expecting me to continue paying for the vehicle even though it is not in my possession and my lease was over in XXXX. 

Chase has confirmed that they have " grounded '' the vehicle and that it has been out of my possession since XX/XX/2022. 

They have instructed me to stop making lease payments. 

The account, however, shows open and past due in my Chase account. 

Chase escalations told me today, on XX/XX/2022, that the account will remain open on my credit until the vehicle has been repaired and sold. 

This is clearly unacceptable. I have done everything I have been legally required to do according to my lease contract. 

I have faithfully paid all of my payments and the lease is over. The dealership 's repair shop has been paid all of the repair fees from my insurance company. 

This delay exists due to a lack of parts available to make the repairs. 

This should not be my concern and this account should be closed. 

I have spent over 20 hours on the phone the past three months dealing with this without any clarification on appropriate recourse.

I am being told different information every time I call : that my credit may or may not be impacted, that they closed the account and that the account can not be closed, that it's the dealer 's issue to deal with and then the dealer tells me it's the bank 's issue to deal with.

Please help me, I am being forced in circles and told that due to the complexity of the situation, I just have to wait and see if my credit will be negatively impacted.
Product: Credit reporting or other personal consumer reports

I am writing to you with immense frustration and concern regarding my repeated attempts to address the fraudulent items that persist on my credit report. Despite multiple efforts to dispute and rectify this issue, the fraudulent items continue to damage my financial reputation, and I insist on immediate resolution. 

I have initiated disputes for these fraudulent items on numerous occasions and yet they remain on my credit report, causing distress and limiting my access to loans, credit cards, and other financial services. I have provided comprehensive evidence to support my claims during each dispute, yet there has been little to no progress in resolving this matter. 

The presence of these fraudulent items has had a severe impact on my financial life. They have significantly lowered my credit score, making it difficult for me to access loans and credit on favorable terms. It is my right as a consumer to have an accurate and just representation of my credit history. 

I insist that you treat this matter with the utmost seriousness and urgency. I am enduring ongoing financial difficulties due to these inaccuracies, and it is essential that you take prompt action to correct the situation. I request the following : An immediate, thorough, and unbiased investigation of the fraudulent items in question.

Regular updates on the progress of the investigation.

Immediate removal of any inaccurate or unverifiable information from my credit report.

A formal, written explanation of the results of the investigation.

I trust that you will address this issue promptly and effectively. Failure to do so may lead to legal action to protect my rights as a consumer. 

Enclosed with this letter, you will find copies of the evidence I submitted during my previous dispute attempts for your reference. Please acknowledge receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am fiing 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: Vehicle loan or lease

Im disputing a property tax bill I received from Honda in the amount of {$630.00}. As shown in the attached DMV document the plates were cancelled on this vehicle effective XX/XX/2021. Honda is well aware that the return procedure for plates changed due to COVID-19 hence there was no option to walk into a local tax office to provide this notice. Further, I XXXX XXXX XXXX XXXX XXXX XXXX so the tax notice was sent to Honda and then billed to me making it even more difficult for me to dispute the tax bill since its not in my name ( due to the lease ). I have spent countless hours speaking to different representatives in an attempt to resolve this issue to no avail. 

I called XX/XX/XXXX and sent an email as evidence in the attached to request the refund Im entitled to but have not received a response or confirmation that the abatement process was initiated despite being told numerous times they would start the process. It has been approximately XXXX months of going back and forth and Im in the same place that I started. Honda can easily trace the calls by using my mobile number as listed on the account. As of today, a representative by the name of XXXX provided an abatement case # XXXX and stated it would take approximately XXXX months to reach resolution. 

This is completely unacceptable. I have replied to Honda Customer Survey concerning this matter, their contact center via chat support and phone and also by the email they provided. Today I was told there is no way to track the progress of this case and that they would not be sending any type of confirmation of this complaint and/or resolution. Please help get American Honda Corporation to do the right thing. Per my research they have multiple litigated cases for similar matters and unfortunately they are up to old habits.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

1. XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting 3. XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting 4. XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting 7. XXXX  - XX/XX/XXXXXXXX  The following inquiry was no and should not be reporting 8. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting 9. XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXXXXXX  The following inquiry was no and should not be reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently have an account with XXXXXXXX XXXX XXXX. This is a line of credit. Balance on credit report has not changed in 3 months after several payments.

All three reporting credit agencies report wrong balance.

This affects my credit score. 

I believe XXXXXXXX XXXX XXXX is not reporting correct balances to credit agencies. 

XXXX  contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX Phone Number : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This Debt went into collection without me having any knowledge of this debt, a bill was sent to address where I did not live, with my name attached to the address, I never received a bill so it went into collection and were put on my credit report. the bill were initiated by my daughter Mother, she put my name on the bill with her address, we have never lived together.