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

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed.

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Credit reporting or other personal consumer reports

I am filing a complain against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report despite my submissions. Equifax consistently responds within 48 hours stating the account is accurate without providing any evidence of a thorough investigation, This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681. Which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025- CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my transunion report. checking my file alot of information is invalid. this is hindering my file. please update the information listed to help fix my credit report.
Product: Checking or savings account

I have submitted all requested documents for my account freeze to be lifted but the company has not done so. I keep receiving more emails asking for the same documents and they will not respond to my inquiries.
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. 
I told Experian, XXXX, and XXXX to reinvestigate these INQUIRES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if non of these inquires were authorized, THIS AMOUNT OF INQUIRIES IS REDICULES and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

The FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained XXXX of 2020 about incorrect information of late payments on my credit report and did not hear back from Select Portfolio Services regarding the problem. I sent to them copies of my bank statements as proof that I had made my payments on time but got no reply. 

My name is XXXX XXXX. Account XXXX and XXXX. Select Portfolio Services assigned these numbers to my accounts ( Consumer Credit Report : # XXXX ) XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, I opened a Chase Total Checking account and Chase Saving account under a {$900.00} promotion offer.

The qualifications for the bonus are : Get {$300.00} for opening a Chase Total Checking account and set up direct deposit. 
Get {$200.00} for opening a Chase Saving account and deposit {$15000.00} or more and maintain it for 90 days. 
Get an extra {$400.00} bonus for opening BOTH Total Checking and Saving account. 

I do have screenshot of the bonus requirement and I am attaching it to the case file for reference. 

I have deposited $ XXXX into the saving account and have a direct deposit from my company on XX/XX/XXXX into the checking account. After 90 days, I have received only {$200.00} bonus ( on XX/XX/XXXX ) for the saving account and not the other {$300.00} ( checking bonus ) + {$400.00} bonus ( for opening both account ). 

I have made an inquiry regarding the missing bonus via chase secure message on XX/XX/XXXX and was asked to provide my paystub for the XX/XX/XXXX checking account direct deposit which I submitted on XX/XX/XXXX. I didn't hear back from XXXX after a week and I submitted another inquiry on XX/XX/XXXX and this time Chase replied saying that I am ineligible to receive the checking account bonus which I disagree as I have satisfied the bonus requirement and therefore I am filling a complaint here in the hope that Chase will correct the issue. Thanks for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account currently reports information illegally. Thoroughly investigate and update with lawful accuracy. Below is the account from my credit report : No Category XXXX XXXX XXXX XXXX
Product: Bank account or service

Someone used my personal information to open a checking account with Bank of America, and Bank of America is now holding me responsible for {$80.00} in bounced check fees. They have refused to resolve this with me, I have tried calling in to their fraud department various time, only to be told the only way to handle this is in person at a branch. I have gone to a branch only to be told that they are holding me responsible because they believe the charges are consistent. Consistent with what? This is not my account.
Product: Mortgage

I received a response to my Written Credit Dispute that was received on XX/XX/XXXX concerning my Account : XXXX. I wrote to further appeal the response and findings to request that Carrington Mortgage remove the 30-Day late payment that they had reported to  the creditors, based on the evidence I provide below and my second appeal was denied. 

In summary, I submitted a payment for my XXXX mortgage payment on XX/XX/XXXX, within the no late fee penalty timeframe. I submitted this payment from my mobile phone and accidentally entered the wrong routing number from XXXX XXXX XXXX  ( XXXX, which is indeed a routing number for Peoples, but not associated with my account ). Regardless, I received a message saying that my Submission was Successful. However, I DID NOT request that Carrington Mortgage save this information to my account on the webpage and I verified this with a manager who  spoke with technical services in a phone call on XX/XX/XXXX. FURTHERMORE, the technical department verified that when a payment is returned No Account/Unable to Locate that any saved information should be cleared by your system. This was not the case. 

When I learned that the payment was returned No Account/Unable to Locate, I logged into my account using my computer and paid using the Saved Account option on XX/XX/XXXX. I had used this saved account information to make all other on-time payments throughout the history of the mortgage. However, the incorrect information was erroneously saved from my previous attempt from when I entered the wrong routing number. In addition, the technical department also verified the incorrect payment information should have been cleared by your system. The technical department also verified that I indeed used the Saved Account Information on my second attempt on XX/XX/XXXX. 

I did not learn that this payment was returned until after the 30 day late timeframe on XX/XX/XXXX. I immediately paid the account when learning this information. I did not authorize this information to be saved from the prior attempt, and according to Carrington Mortgage technical department it should have been cleared, and thus this technical error caused my payment to be late. 

I am officially stating that this error was caused by the online software system saving my account information when it was not authorized and should have been cleared after the failed attempt and I made all reasonable attempts to pay my account prior to the 30-day late timeframe. I have clear records showing each attempt prior to the 30 days and have clear evidence that an internal system error caused this 30-day late payment. 

Carrington Mortgage is not taking any accountability for this error with their online payment system and has denied both appeals. This has significantly impacted my otherwise spotless credit rating.
Product: Credit reporting or other personal consumer reports

I did get a refund but not thy right amount, They charged me again after they cancelled my account? They gave me a Refund for {$260.00} but was suppose to be {$340.00}, & still charged me a extra {$29.00} on XX/XX/2024, They stold again, & my account is still cancelled? Please investigate TransUnion they keep taking extra money & hide the truth about their thieving, I can show payment records thru XXXX XXXX XXXX. for later documentation.
Product: Debt collection

XX/XX/XXXX Convergent sent letter stating a debt was owed to XXXX XXXX XXXX   for XXXX.

XXXX XXXX XXXX was bought out by XXXX XXXX. I contacted XXXX XXXX to verify debt. XXXX XXXX verified old debt was valid. Confirmed the amount owned of XXXX They advised I should come in and paid it directly.

XX/XX/18 Paid XXXX XXXX the amount of XXXX ( advised by teller ) Transaction number XXXXXX/XX/2018 XXXX  # XXXX  Called Convergent to inform them of payment and asked what the additional charges were for. They advised interest rates. I requested a break down to confirm and they agreed to email the breakdown.

XX/XX/18 Called Convergent to follow up on the status of email break down. They advised me they had not sent it, and transferred me to have it sent out " XXXX XXXX '' ( refused to provide ID number or reference ) XXXX XXXX advised that is was interest and fee they charged on top of the original debt. He offered to remove the additional charges and not report it to collections if I was able to make the original payment. I agreed that the Orginal payment could, in fact, be taken care of. I provided him with the payment date to XXXX XXXX  and offered to provide transaction number.

He then refused to hold his offer and said that was not proof. I advised him to contact the bank, ( for which he collects for ) he refused. I offered to provide a three-way call, which he refused to.

Debt has been paid, " XXXX XXXX '' is attempting to extort additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a formal complaint with and on the company TransUnion, from my understanding ( with what they have supplied to me in this letter XXXX that they are stating that the Virginia Bankruptcy Office in fact was the " data furnisher ( s ) who verified the information. This in fact is not true! Bankruptcy office by law do not furnish any form of information to the credit bureaus so they have lied. I have already verified that the bankruptcy court and I verified with other sources that this information isn't true.

Who is the data furnisher ( s )?????

What is the contact information????

Address/ Name/ the human person you reached and verified the information with???

Unverifiable information needs to be deleted ASAP. Which is enforced by FCRA.

I NEVER DISPUTED THE BANKRUPTCY. I submitted ONLY a request of MOV not a dispute. It was in bold and red letters! 

My rights have continuously been violated by TRANSUNION with these XXXX responses and disrespect for not respecting the fact that I DID NOT dispute but in fact requested information. Most importantly the fact that they lied about the source of " verification ''
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXXXXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. Under XXXX5 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

A debt collector is trying to collect a debt from me that is owed by my ex-wife for my daughter 's medical expenses. A hospital transferred the debt from my ex-wife 's account to mine after she would n't pay. I have a court order to pay half, which I paid, and now they want me to pay my ex-wife 's half. I sent the debit collector a letter disputing the debit, however, they still sent the debit to collection.
Product: Student loan

I need to speak to someone regarding why my monthly payment just increased by {$400.00} with this new payment due in two weeks without any reason as to why it increased. I have tried to call customer service numerous times but have been waiting hours in queue and unable to get in touch with anyone that can assist. 

As well, I applied for the XXXX repayment plan well over a month ago and have not received any update as to the status of that application.
Product: Credit reporting or other personal consumer reports

Several accounts were opened and I have no knowledge. Please delete and update my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), Privacy Act of 1974, and the Equal Credit Opportunity Act ( ECOA ). I have discovered an inaccurate, unverifiable, and unauthorized inquiry on my credit report, which is in direct violation of these federal protections. 
Specifically, this unauthorized inquiry violates the following statutes : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681c ( Requirements Relating to Information Contained in Consumer Reports ) 15 U.S.C. 1681c-2 ( Blocking of Information Resulting from Identity Theft ) The presence of this inquiry on my credit report is not only unauthorized but also unverifiable, as it lacks any legitimate basis for its appearance. This inaccurate information severely impacts my creditworthiness and reputation as a federally protected consumer. 
Efforts to Resolve I have reached out to all three major credit bureausXXXX XXXXXXXX, and TransUnion regarding this matter. Despite my efforts, which include providing detailed information and requesting the removal of this unauthorized inquiry, my concerns have been ignored. The lack of response from these credit bureaus is unacceptable and exacerbates the harm caused by this inaccurate reporting. 

Impact on Creditworthiness As a result of this violation, my creditworthiness has been unfairly and negatively impacted. The presence of unauthorized inquiries can lower my credit score, thereby affecting my ability to obtain credit on favorable terms. This is a direct infringement on my rights under federal law, and it must be rectified immediately. 

Request for Action I am requesting that the CFPB take immediate action to investigate this matter. The unauthorized and unverifiable inquiry must be removed from my credit report, and the responsible parties must be held accountable for this violation of my consumer rights. 

Additionally, I request that the CFPB ensures that the credit bureaus respond to my inquiries and correct my credit report to accurately reflect my credit history without the unauthorized inquiry. 
As a consumer, I rely on the protections afforded to me by federal law to ensure that my credit information is accurate and secure. The violations in this case are serious and have caused undue harm to my financial standing. I trust that the CFPB will take the necessary steps to address this issue and uphold my rights. 
Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

A fake Bank of America representative called me from Bank of America 's customer service number ( XXXX ) claiming to be in the fraud department to alert me to 2 fraudulent XXXX transactions. One for {$3000.00} and another for {$500.00}. He said since XXXX isn't part of Bank of America, they can't stop the transaction, but would credit my account in the amount that was pending. 

The impersonator walked me through opening the Bank of America app and going to the XXXX transfer screen. He said that since my name and phone number had been compromised, I should add myself to the contacts list using my middle name and last name. In the phone or email space he would give me a case number meant to flag the system. 

Once I did that, he had me send 2 transactions to myself for a total of {$3500.00}. He said that I would get a confirmation email shortly. Since I was at the park and my kid hurt herself, I said, I'd call back in a couple minutes if I didn't get it. When I checked, I realized I sent someone that money.

The impersonator knew the city I lived in and that I had a checking and savings account. They also gave me a case number. 

I filed a claim while funds were pending. The claim was denied and BOA refused to let me file an appeal. Still waiting on supporting documents for this case. 

BOA acknowledge that the funds went to an account at XXXX Bank and that this fraud had ramped up lately, but weren't able to give me back my money. They did acknowledge this was a fraudulent transaction.
Product: Vehicle loan or lease

I purchased on XX/XX/20 and returned on XX/XX/20. They dated my purchase papers for XX/XX/20, I picked up the check from my credit union on XX/XX/20 but ended up using their bank, but seen it was never nowhere for me to date the contract, I didnt really pay attention to. As stated, I returned the car the very next day and realized they ran my credit report XX/XX/20. They didn't have permission to do so for I came with a check. They dated my contract for XX/XX/20, three-das prior to me receiving the vehicle and then pushed the finance through XXXX XXXX on XX/XX/20 XXXX days after the vehicle was returned. 
My credit report reflects that my credit was pulled on XX/XX/20 XXXX now sending me invoices stating I have a payment due and as of today, I still don't have the vehicle in my possession. The car is still at XXXX XXXX in XXXX MD.
Product: Debt collection

In XX/XX/XXXX, I have received a letter in the Mail from XXXX, XXXX, and XXXX. 

On XX/XX/XXXX XXXX The letter was received by someone else ), I have sent them a copy of the original debt collection letter, along with what I have received from the original collector. This was sent by certified mail article number : XXXX XXXX XXXX XXXX XXXX In XXXX, I called requesting an update, and spoke with a Mr. XXXX XXXX. Advised that I sent them the letter, and still waiting for a response, and wanted to know why that item is showing on my credit report when i have it in a dispute status. I was told that they never received the items, and I told him what I'm requesting for validation ( signed applications, and at least three statements that one must show a charge ). 

I have received three statements, but nothing showed a charge on them ( How can I verify I actually had a charge, if all I see are fees )? How can I verify that I actually signed an application for what they are collecting for, along with the interest rates? 

On XX/XX/XXXX, I have sent a second letter to them certified mail article number : XXXX XXXX XXXX XXXX XXXX One reminding them that I'm still waiting for the verification documentation, along with an initial settlement offer since. 

Today XX/XX/XXXX, I pulled my credit report, and this item is still showing on it as a collection item. It has been in a dispute status XX/XX/XXXX.
Product: Debt collection

I was contacted by Plaza Services LLC. and XXXX XXXX XXXX XXXX XX/XX/XXXX regarding a debt taken out in my name on XXXX through a company called XXXX XXXX XXXX using my information on XX/XX/XXXX. I didn't take out a loan from this company. They sent a document to me via email telling me I must fill it out and include a police report. The police report was made but the officer was very concerned about the legitimacy of the document as it required a great deal of personal information. He told me only to send the company the police report number and nothing more. 

Police Report number XXXX with XXXX XXXX County Sheriff Office Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX, United States XXXX Plaza Services , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone Number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake says I made a late payment my account is frozen I cant log in to make my payment and my car was stolen. They dont listen, Im sick I have XXXX XXXX and I was scammed they sold me a lemon car theyre messing with my credit all my payments are on time they got all their money already.
Product: Debt collection

Hello, I am sorry to inform you that I dont recognize the debt of this business.
Product: Credit reporting or other personal consumer reports

Credit report shows as improper credit reporting error those allegations & hardships do not belong to me