23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue I am facing with TransUnion concerning inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information, and to date, they have not responded. I am seeking your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Details of the inaccurate information and required corrections are outlined below : The following account is not mine : Type : COLLECTION Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Original Creditor : COLLECTION Please remove it from my credit report. 

The following account is not mine : Type : COLLECTION Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} Original Creditor : COLLECTION Please remove it from my credit report. 

The following account is not mine : Type : COLLECTION Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Original Creditor : COLLECTION Please remove it from my credit report The following account is not mine : Type : COLLECTION Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} Original Creditor : COLLECTION Please remove it from my credit report. 

The following account is not mine : Type : COLLECTION Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} Original Creditor : COLLECTION Please remove it from my credit report. 

The following account is not mine : Type : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Please remove it from my credit report. 

The following account is not mine : Type : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Please remove it from my credit report. 

The following account was never late : Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$330000.00} Please remove the late payment. 

The following account was never late : Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Please correct/update this inaccurate information on my credit report.
Product: Checking or savings account

Wells Fargo Bank had forcibly closed my small business account for my business ( XXXX XXXX XXXX XXXX ) account number ending in XXXX. It had been giving me a run around for getting a check mailed to me for the balance for the last 3 months. 

I called their regular customer service, escalated and talked with customer escalation, and visited a branch where they made me spend XXXX hours while they try to figure out what could be done. It has been 3 months and I didn't receive my funds. Frustrated, I finally filed a complaint with XXXX. It has been more than 3 months and I haven't received my funds. 

I finally received a letter dated XX/XX/XXXX, from XXXX XXXX XXXX asking to call XXXX XXXX XXXX at XXXX, and provide them with a substitute mailing address for the check. 

when I called them earlier today and provided them with the new address, I was told I will need to sign an affidavit and get it notarized to get a check for my closing account balance!!! as far as I'm concerned, the check was never mailed in the first place so I do not understand why I need to file an affidavit and spent more time and money. 

it has already been XXXX months and doesn't look like bank has any intention of giving my money back. please help/
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT WAS FORWARDED TO YOU BY THE OCC BUT CFPB DID NOT RESPOND TO ME. 
XXXX XXXX card was in dispute because they did not apply a credit for returned merchandise. They reported my card as delinquent to credit bureau. On XX/XX/XXXX and XX/XX/XXXX, they credited my account properly and recredit interest accrued. However, they lowered my credit line because of the alleged delinquency and they did not forward me a copy of my corrected credit report. I disputed the line reduction and they did not respond to me except to ask me to complete a new application. 
By my count, there are at least three federal violations of the Truth in Lending Act and the Fair Credit Reporting Act and these are continuing offenses. They should be 1 ) fined for non-compliance 2 ) ordered to repair my credit report and 3 ) restore my 30 year old credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquires on my and Equifax credit report. 

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 have disputed a inaccurate information pertaining to a chapter XXXX bankruptcy that is showing on my Equifax Credit report on more than one occasion. Each time Equifax "investigates" the inaccurate information they respond back and say that the information has been verified through the 3rd party company "XXXX XXXX". There is a chapter XXXX bankruptcy with case XXXX  showing on my credit report with a filing date of XX/XX/XXXX. I have contacted XXXX XXXX as well as the IL Fed Bk Ct and they show no records of a bankruptcy being filed by me with case # XXXX on XX/XX/XXXX. But yet Equifax insist that the information is correct and has been verified. Further more XXXX XXXX states that they have never verified this information to Equifax nor any other credit bureau as this information does not exist. I have contacted Equifax on several occasions to have this inaccurate and unverified information removed from my credit report as required under the FCRA since the information is not accurate and can not be verified as accurate. Equifax continuously violates my rights under the FCRA and and deliberately lies in their responses to myself and the CFPB.
Product: Credit reporting or other personal consumer reports

I was completely taken aback this morning when I discovered inaccurate accounts on my credit report, and I can't understand how this happened. When I checked my report as I normally do, I was shocked to see discrepancies that seemed to appear out of nowhere. I even tried refreshing my browser, thinking it might just be a glitch, but the inaccuracies persisted. Given this situation, I urgently request that the documents Ive submitted be reviewed thoroughly so I can avoid ever facing this problem again.
Product: Consumer Loan

Delbert services.is an illegal loan in Michigan, yet it is on my credit report
Product: Debt collection

XX/XX/XXXX purchased laptop from " XXXX '' on account. I lost my job and XXXX. Who Knew ... When it rains it pours. It was a recession. I did not see it coming. I was unable to pay any bills including my mortgage and utilities. The account went into delinquency and later turned over to webbank to collect. XX/XX/XXXX the account was sold to attorney " Buchan and Hosto '' in XXXX Arkansas. Thats when all hell began. I returned to work and of course after being unemployed for over a year, and working now for less money, I still am in hardship. " Buchan and Hosto '' harrassed and threatened for over a year. They taxed and added on astronamical fees to the actual cost. They finally got a court order to garnish my salary. I forwarded a letter to the judge explaining my financial situation and hardship. I beg for mercy from the court. I explained the numerous medical bills I know have and the need to heal in order to work. My " little '' salary was garnished. For 4 months 30 % of my salary was taken and given to " Buchan & Hosto ''. A month after said amount was satisfied, my salary was AGAIN garnished from " Buchan & Hosto '' for additional accumulated interest fees. 7 years from XX/XX/XXXX, I am sure this account has been written off. " XXXX '' has received a credit from the government in taxes for debts annually. Where is the statue of limitations? Why do we as consumers must be punished over and over and over for the same purchase? We suffer the credit bureau as is. Then the attorneys go on a blood thirsty hunt to take your money. No matter what. If, I had not started to work and depended on the state or government to support me ; the govt would not pay any debts especially for a computer. I feel my medical bills are more important than a credit account. Double standards! The government has limits but the consumer " it 's open game ''. Garnishments from salary should not be a free for all debt collectors. I think the judge, never even read my letter or maybe they all work togeather. This is unfair. The consumer should have more protection. I only thank " XXXX '' I did not lose my home and was not put to the streets.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize compliance in this investigation. I have also mailed all respective CRAs with my notarized identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Dept. of Ed/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a used car through XXXX XXXX in XXXX of XXXX. They have an on-site loan company called XXXX. As is the cars are sold at triple book value. I made on-time bi-monthly payments of {$180.00} up until XXXX. If they were late it was never more than a couple days. I became XXXX and was granted full SS XXXX in XX/XX/XXXX and caught up on any late payments in full by XXXX XXXX. However I began to fall behind again as 5 of us live off my SS. I knew that I was now in the window of repossession but had not received a formal letter as of yet only some contacts by XXXX XXXX manager ( only employee ) stating I need to call her to prevent any escalation. On XXXX, XXXX XXXX I received my SS as direct deposit. The following evening my husband went to the bank and called me in a panic that there was only {$44.00} remaining in the account and XXXX had put through 7 consecutive payments of {$180.00} totaling {$1200.00}. I contacted the bank immediately to contest the charges and notified their fraud department because I never gave authorization for ANY deductions. I called my local PD who said they could only take a report. I called the main office, after hours number and texted messages to XXXX to please call me immediately to discuss. It's been 5 days and still no communication from XXXX. They were suppose to delete my debit info. after every payment due to an unauthorized charge about a year ago. Their suggestion was to remove my payment info ( debit card number etc. ) every time I made a payment to prevent it from happening again. They shouldn't of even had my card info. let alone charge my checking account 7 times. This has put me into severe financial hardship and I am now at risk of eviction, power shut off, no car gas, no food, etc. My SS XXXX is our families only income and they took it and I can't even reach them to discuss why! I left a message that said " you repo the car, you don't drain my checking account without permission! '' and still no response. I have called every given number and texted as well, and still nothing!
Product: Debt collection

I was late paying my timeshare maintenance fees, for the XXXX of 2015, and it was sent to collection in XXXX 2015. I paid the collection agency in full, and verified with them that I was paid in full, however they failed to return my account to the original creditor, and instead kept my account open so that the original creditor never knew to bill me for the XXXX of 2015. So neither the original creditor nor the collection agency have sent me anything in writing notifying me of the debt, but instead have made phone calls harassing my elderly parents on their home phone number thrice in the past week. Once by automated robot system, and twice by a live representative from the collection agency sharing my personal information on their answering machine. I just want to pay what I owe to the original creditor, as my account should have been generating bills from them, which they never sent to me, and not the extra erroneous charges by the collection agency, who is acting in an illegal manner.
Product: Credit reporting or other personal consumer reports

Credit card - XXXX XXXX ( inquiry ) - added as an authorized user ; XXXX XXXX XXXX XXXX denial letter ) ; XXXX  application XXXX denial letter ) Hard inquiries - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Regular inquiries - XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint against XXXX regarding numerous violations associated with my consumer auto loan. My experiences with XXXX have been marked by deceptive practices and factual inaccuracies that have significantly impacted my financial standing and overall confidence in their services. 

Background of the Complaint I had an auto loan with XXXX that was charged off several years ago. Since that time, I have received multiple refund checks from XXXX for payments made on my account. However, these checks were issued long after the loan was charged off, raising concerns about the handling and crediting of my payments during the life of the loan. 
Deceptive Practices and Unfactual Responses Lack of Access to Information : XXXX claims to have sent me documents regarding changes to my consumer loan ; however, they deceptively removed my online access. Despite my repeated requests, they failed to physically send me any documents, statements, or loan documents of any kind until after the loan was charged off. They only provided documents via XXXX, which I was barred from accessing. 

Contradictory Business Practices : XXXX has claimed that they refuse to conduct further business with me, yet I continue to receive requests to apply for new credit cards. This inconsistency raises serious doubts about their stated intentions and business practices. 

Refunds for Misapplied Payments : XXXX has sent me refunds related to my auto loan and credit cards, which they mishandled. They failed to properly apply payments, mishandled disputes, and did not honor the final results of their fraud investigations. The numerous refund checks I received years after closing my accounts indicate that XXXX was at fault, despite their accusations against me of improper actions. 

Request for Investigation Given the circumstances described above, I am requesting that the Consumer Financial Protection Bureau investigate XXXX 's practices in managing my auto loan account. I believe that their actions may violate consumer protection laws and regulations designed to ensure fair and transparent lending practices. 

Conclusion I appreciate your attention to this matter and hope that your investigation will help ensure that XXXX adheres to the legal and ethical standards expected of financial institutions. If you require any additional information or documentation to support my complaint, please do not hesitate to contact me. 

Thank you for your assistance in addressing this important issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated Account Name XXXX & Account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report either. 

Please see attached uploads, and highlighted areas= inaccuracies reported. 

Account Name : XXXX Account # : XXXX Account Name : XXXX Account # XXXX XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX  Account # XXXX XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : NOT REPORTED ( Maybe XXXX  XXXX ) Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report today and noticed an inquiry from BARCLAYS BANK DELAWARE that I never made. It was requested on XX/XX/2021. I called the company at ( XXXX ) XXXX to inquire. they checked their system and stated they had no information about that inquiry.
Product: Debt collection

Unity Asset Management LLC, ( XXXX ) XXXX, has been repeatedly calling family members that I never included on my loan agreement. They are giving out personal information about my debt and even read my whole social out on the phone.
Product: Checking or savings account

I wrote Moneygram in XXXX, MN. on XX/XX/2018. This concerned check No. XXXX, which was from a closed account at XXXX XXXX XXXX. In various e-mails with Moneygram, an e-mail from the Auditor, Resolution Assurance Dept. of Moneygram International on XX/XX/2018 advised they were working on obtaining a new check for me. However, I have e-mailed several times since, and have not had a reply or check delivered. 
This was their case # XXXX. 
Please see if you can have Moneygram issue me a new check. Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the costumer Financial Protection Act ( CFAPA ). 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, credit repair services, or other personal consumer reports

I applied for a XXXX  credit card today XX/XX/20 and I was not approved ; I was told that I did not get approved due to having many accounts in negative standing appearing on my credit. I had no idea there were negative accounts on my credit report so I looked through it and I saw about 9 accounts that do not belong to me. I did not open any of those accounts nor did I allow anyone to open those accounts on my behalf. I'm not sure why these accounts are on my credit report but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have never had any written/verbal contract with any of these companies and I did not give them permission to run or access my credit information.
Product: Checking or savings account

On XX/XX/XXXX, I attempted a {$50000.00} transfer to my Citibank savings account to open the account from XXXX Bank after verification of the linked accounts. Citibank continued to email requesting a transfer for the account so I contacted Citibank XX/XX/XXXX to understand why the funds and account were not showing. Citibank informed me that they closed the account due to fraud as the transfer came from a joint account and that they would hold my funds until the account was closed. Since that time, I've been told that 1 ) they can not release the funds to me because it was a joint account and fraudulent funds, 2 ) to contact ally to initiate a transfer back ( which they can not do from a closed account ), and 3 ) that protocol is being followed over and over despite no one being able to tell me where my funds are or how to retrieve them. I have been transferred no less than a dozen times to multiple departments, placed on hold repeatedly because no one I've spoken to actually has the knowledge to handle a matter like this and I have been told there are no supervisors to speak to. This is unconscionable behavior by Citibank and no one should have to experience this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently questioned an inquiry which is appearing on my experian credit report. The inquiry in question in XXXX XXXX / XXXX XXXX on XX/XX/2018. I contacted the creditor in writing and requested an investigation as to why my credit report was requested. 

I received a letter from the creditor on XX/XX/XXXX ( letter dated XX/XX/XXXX ) that they had concluded their investigation and have requested Experian remove the inquiry. 

However, Experian refuses to remove the inquiry. I have since wrote to experian and included all relative correspondence yet they continue to refuse to remove the innaccurate information as requested.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I am writing to refile my complaint to EXPERIAN regarding the unresolved fraudulent accounts still appearing on my credit report. Despite multiple dispute letters and the attached FTC Identity Theft Report ( Report XXXX : XXXX ), these inaccuracies remain uncorrected. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation and correct inaccurate or incomplete information within 30 days of receiving a dispute. To date, this obligation has not been fulfilled, and your inaction continues to harm my reputation and financial standing. 

I request the immediate removal of the fraudulent accounts listed in my prior disputes, as they violate my rights under the FCRA. Additionally, I ask that you provide a detailed explanation if you determine the items are accurate. Please note that failure to resolve this matter will compel me to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies. Thank you for your urgent attention to this issue.
Product: Debt collection

XXXX XXXXXXXX. XXXX has placed an account on my credit report with XXXX  for {$540.00}. This debt does not belong to me. I have asked multiple times for written verification and signature for this account. I have always held health insurance. I wouldnt have any medical bills. I have been dealing with this issue for a year without any feedback or validation.