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

My credit reports are reflecting an inaccurate bankruptcy and that it will be reflecting on my report until XXXX 2025. Beginning in XXXX of 2021 I began to contact XXXX, XXXX and Transunion via certified mail disputing this information. I was informed by all 3 companies in writing that this information was furnished to them by XXXX. I have even contacted each company by phone and told this information by representatives. When I contacted XXXX regarding this inaccurate information, they removed it from their database as it was found to not be correct and negatively impacting me. I have disputed this information on 4 separate occasions with all 3 bureaus through certified mail and on their websites only to be informed in writing that the bankruptcy is verified through XXXX and not being removed. I have even asked for them to take the time to contact XXXX on their own so that they can be advised that no bankruptcy is reflecting on my consumer file. I also took the liberty to contact XXXX again today on XX/XX/XXXX just to confirm yet again that they are not reporting a bankruptcy to these bureaus and was advised by XXXX ID # XXXX that again there is no bankruptcy on my consumer report and that they have not been contacted by either bureau to validate the information. This false reporting is damaging to my character and causing me to pay more in interest for accounts that I actually have. Also is preventing me from purchasing a home for myself and my family
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report i've seen a lot of hard inquiries, on my report which i did not make on my own. I think they may have been fraudulent, i want them to be removed as soon as possible. Thank you. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting

I requested a report from Early Warning because I was not able to open a bank account when I move to XXXX. I just gave up since I could not get any assistance from anyone. I moved back to XXXX and was told by another bank to call Early Warning and not to quit. Finally I receive help from someone from Early Warning months after receiving the report explaining what I needed to do concerning the information reported to them by XXXX XXXX XXXX. I discovered that XXXX of the incident reported by XXXX XXXX XXXX had been removed and I only needed to dispute the 1st complaint listed on the report by XXXX XXXX XXXX because the 2nd issue listed by them had been remove. The third issue from XXXX is being resolve now and will be remove. But my complaint is that I did call XXXX XXXX XXXX and unfortunately did not get the name of the individual I spoke with because that told me they did not have to send me anything or prove anything. So my next step was to dispute the information place on my file by XXXX XXXX XXXX with Early Warning. I finally called them to ask why I had not heard from them and they told me they had sent the reinvestigation results to XXXX even though I explain that I no longer live in XXXX and all information should be sent to my new address in XXXX. I finally received the letter from Early Warning stating that the information file by XXXX XXXX XXXX was accurate. If I did not agree with this that I had to write a rebuttal and they would then furnish a copy of my updated report and rebuttal to all parties who have received a copy of my file during the preceding two years for employment purposes or six months for all other purposes. Then they would also provide me with a copy of the reinvestigation procedures plus contact information to gather further information. When I tried to call the number provided they told me they were not allow to discuss over the phone. What I do not understand is I sent a dispute in writing explain why I did not agree with the information place on my file by XXXX XXXX XXXX? I requested that the information be investigated and proof be provided by XXXX XXXX XXXX. Why would you send a letter to me telling me the information is accurate and if I want further information I have to request it. I need the assistance from the Bureau of Consumer Financial Protection to assist me in getting the information file by XXXX XXXX XXXX off of my file with Early Warning or proof provided by XXXX XXXX XXXX and Early Warning be provided to me that what is on my file is accurate. It is hard to trust the procedures that are required of an individual to submit through Early Warning when you hear that this company was establish by XXXX XXXX XXXX and a few other banks. Your assistance is appreciated. Thank you!
Product: Credit reporting or other personal consumer reports

Inaccurate information Capital One Account : XXXX ( Remove inaccurate balance information account was closed ) XXXX XXXX XXXX Account : XXXX ( Remove inaccurate balance information account was closed ) According to the Fair Credit Report 15 U.S.C 1681
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple issues related to my credit report with the XXXX major credit bureaus : XXXX, XXXX, and TransUnion. Over the past several years, I have been impacted by multiple data breaches, and I am experiencing errors on my credit report, including unauthorized inquiries and addresses that I have never resided at. 
All three of the above credit bureaus are reporting a erroneous information erroneous addresses and have also allowed erroneous inquiries on my credit file. 
Below is a summary of the breaches that have compromised my personal information : XXXX. XXXX XXXX XXXX ( XXXX ) My Social Security number, birth date, and addresses were exposed. 

XXXX. XXXX XXXX XXXX XXXX ( XXXX ) Exposed my personal data from XXXX XXXX, including passport numbers, addresses, and payment information. 

XXXX. XXXX XXXX XXXX ( XXXX ) My account was part of the XXXX XXXX compromised, with personal details such as my phone number, email address, and more exposed. 

XXXX. XXXX XXXX XXXX XXXX ( XXXX ) My personal data, including credit scores, credit limits, and Social Security numbers, was compromised. 

XXXX. XXXX XXXX XXXX ( XXXX ) Exposed my personal information, including my phone number and Social Security number. 

XXXX. XXXX XXXX XXXX ( XXXX ) My data was scraped, revealing personal information including my name, job title, and other professional details. 




In addition to these breaches, I have noticed unauthorized inquiries on my credit report and addresses listed where I have never lived. These errors may be the result of identity theft or fraud. Despite my attempts to resolve these issues with XXXX, XXXX, and TransUnion, I continue to face difficulties and have seen no satisfactory resolution. 

I respectfully request that the Consumer Financial Protection Bureau investigate my complaints and provide assistance in addressing these ongoing issues. Specifically, I seek guidance on how to correct the unauthorized inquiries and incorrect addresses on my credit report, as well as steps I can take to further protect my identity and personal information. 
Here is a list of specific information that I want removed from my credit reports. The information is either incorrect or erroneous or both. 
Inquiry by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX Address not mine : XXXX XXXX XXXX XXXX California XXXX XXXX not mine : XXXX XXXX XXXX XXXX XXXX TransUnion ) XXXX XXXX ( TransUnion ) Inquiry XXXX XXXX XXXX  ( TransUnion XXXX Thank you for your attention to this matter. I look forward to your response and any assistance you can provide to help me resolve these issues. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX
Product: Debt collection

XXXX XXXX contacted me on XX/XX/2018 reguarding a insurance debt. He impersonated being a attorney and said that things were going to escalate if I did not pay. I demanded a letter in the mail showing proof of the debt and was told no, and to either pay with my check information over the phone or be sued. When i told him that I would only pay via paper check, he started threat inf me and demanding my checking information. He has since called again today and told me if I do not pay that they will sue me. He is not an attorney and is very unprofessional.
Product: Checking or savings account

Wells Fargo denied my claim for XXXX for XXXX it was fraud I didnt authorize these to go through. Wells Fargo support has not been helping at all I actually called around 32 times this week and out of that 5 times I was rudely just hunged up on. And I opened a report with the XXXX  cfpb and occ and they still dont want to help. They werent following any regulations and I want my money back asap. Or i will be getting a lawyer and telling this too all the news outlet and I will make a big deal out of this even if it cost me all my money! Another guy I spoke too was called XXXX XXXX he is the escalations representative. I called him more than 10 times and every time just went to voice mail! And I also talked to XXXX of the Senior escalation department this XXXX was the rudest of all idk why she act like she owns the world but she is the most XXXX  rudest person I have ever met in my life idk if she was XXXX XXXX XXXX or had a bad day but she was extremely rude! Wells Fargo also isnt following any of the regulation that is put on bank there extremely scummy and wont tell me why my claim was denied!
Product: Credit reporting or other personal consumer reports

I currently have 2 complaints XXXX and XXXX open. For XXXX XXXX has sent me alerts that XXXX  reported to TransUnion and XXXX that my loan balance is {$100000.00} which is completely impossible since this company does not offer loans in that amount. I went directly to to XXXX website and it is being reported correct on the XXXX website but yet XXXX XXXX has the amounts incorrect. This is the same for TransUnion. It seems XXXX is reporting technically not XXXX. I received an alert also from FICOXXXX stating the amount increased to XXXX which is weird since my original loan document is for {$11000.00} which is attached in the previous compliant. 

I'm not sure who or what is at fault but this needs to be corrected asap. Each time this entered incorreclty by score drops. I'm in the process of trying to get a car and this is hindering any chance basically for these inconsistencies.
Product: Debt collection

[ XXXX XXXX ] [ XXXX Sleepy XXXX XXXX [ XXXX, Texas XXXX [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ Experian ] [ XXXX Experian XXXX ] [ XXXX Texas, XXXX ] Subject : Dispute of Missing Information and Request for Debt Removal Dear [ Experian ], I am writing to formally dispute inaccurate and incomplete information on my credit report and request the removal of an invalid debt. Upon reviewing my credit report, I discovered that the following account contains missing or incorrect information, which has resulted in an inaccurate reporting of my financial status. 
Disputed Account Details : Creditor Lender Names : XXXX XXXX XXXX account:XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXXXXXX The reported debt is inaccurate due to [ inaccurate payment history, payments not reflected, account closed but still reporting a balance, fraudulent activity, or any other valid dispute reason ]. I have enclosed supporting documentation, such as account statements, payment records, and correspondence with the creditor, to substantiate my claim. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be thoroughly investigated and, if found to be incorrect or unverifiable, be removed from my credit report immediately. 
Additionally, I request a written confirmation once the correction has been made. 
Please consider this letter a formal request for resolution, and I expect a response within 30 days as required by law. I appreciate your prompt attention to this matter and look forward to hearing from you.
Product: Credit reporting or other personal consumer reports

XXXX- not my account my identity has been stolen National credit systems- the XXXX XXXX , not my account my identity has been stolen XXXX XXXX XXXX- XXXX XXXX not my account my identity has been stolen
Product: Credit reporting or other personal consumer reports

Data breach leaked my personal information and i have been trying ti clear all the fraudulent credit cards address names employer info
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching additional information/documentation that highlight that XXXX XXXX made a bank error in regards to my account and attempted to withdraw my payment from a bank account that was not mine and had never been present on my account. 

Attached is correspondence from XXXX XXXX on XX/XX/XXXX that there are no notes in the comments on the account that I made any change to the online account. 

In that same letter, XXXX XXXX indicated that there was research that I changed my account from XXXX to XXXX, which is contradictory to confirming that I never made any change to the account. 

XXXX XXXX stated that there was insufficient funds in this account from XXXX, and said that my account reverted by for subsequent payments to XXXX, for which every single one of my payments since this account has opened since XXXX of XXXX has been made from. 

Also attached is my payment history on this loan, as well as as a verification letter from my bank XXXX, that confirms that my 3 accounts with them opened in XXXX, which is around 3 years prior to me having an auto loan with XXXX XXXX. In this verification letter, there is not one account that I own that ends in XXXX. 

This connects to XXXX XXXX having an internal banking error, that attempted to withdraw from an account that I have never owned, which has been confirmed by my bank, and is supported by the history of the 30+ payments made to the account from the checking account ending in XXXX. 

This bank error caused my credit score to drop by more than 50 points, and the representative working on the account, and I would like the negative credit reporting as a result of this bank error reversed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax about an inaccurate XXXX collection on my credit report and they have not conducted a proper investigation. I wrote them on XX/XX/XXXX and they have not provided results and nothing on my report has changed. I have also sent a letter to the collector regarding this and nothing has been done.
Product: Checking or savings account

I had a checking and investing account with Sofi, and been using it for months with no problem and there was always positive balance abd on average XXXX balance on it. There was a check that was deposited by mistake and they placed the account on restriction and cut my access to the entire money on the account even after I contacted them and notify them that the check was deposited by mistake and they can hold the amount for the check but I need to access my funds since at the time was my only account and the only source of money. They cause severe damages and issues by placing a restriction on the account. I contacted them many times and kept asking them to give me access to the funds i have on the account. They kept telling me they are investigating and i have to wait. After one week I just call them and asked them if they can just close the account and just give me the money i have on the account because i was in financial hardship. They even refused to closer the account and also said they are not going to give me my funds because of a wrong check that actually never deposited into account and they refused to deposit it since the beginning and now for no reason they stealing my money. I have over $ XXXX total on both checking and investing account and need my money very urgently and I been facing a lot of issues because not having any other source of money and I need your help to get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED A CALL FROM A STUDENT loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX  XXXX {$270.00}
Product: Credit reporting or other personal consumer reports

I Started working full time in XXXX. So the last few months i decided i was gon na purchase a vehicle so I found something i like. So they ran my credit and i was denied. 
i was kind of surprised. So i tried a few other places i kept getting denied. So i started educating my self on how to get a full credit report. so i was able to obtain one from every credit agency. i was in shock to see all this stuff on my credit report. there aint words to describe how i felt. I went from maybe getting a car to looking at all this negative stuff on my credit report. And here I am trying to take the proper steps to fix this
Product: Credit card or prepaid card

Good afternoon, My Kohls 's credit account was closed in XXXX of 2022 even though I made the minimum payment of {$31.00} back on the due date of XX/XX/XXXX of 2022. I then receive an email stating that my new minimum payment would be {$60.00} even though it was submitted via Kohl 's website on XX/XX/2022. I then didn't make the payments for XXXX and XXXX as I tried to get this corrected with Kohls but never did. I then make the payment of {$200.00} to keep the account current on XX/XX/2022 which was due at the time, via debit card so the payment should've been processed right then. According to my bank XXXX XXXX XXXX, the payment was never processed or attempted to be processed by Kohls. Now I receive a letter stating the new minimum balance due is {$350.00} and my account has been closed. I feel cheated and taken advantage of.
Product: Credit reporting or other personal consumer reports

RE : Consumer notice to repository of suspected COMPLIANCE FAILURE reporting inquiry ( ies ) deficient of the mandatory physically verifiable proof of adequately acquired lawful Permissible Purpose and consumer DEMAND for repository to CHECK for COMPLIANCE OF REPORTING even to the required Metro 2 format reporting standards for alleged true, accurate, complete, timely, undoubtedly valid claim of inquiry. Consumer contests the report-ability due to deficiencies of or in proof of the requisite certified compliant reporting of only factually validated and verified claim ( s ), be it true or be it not!

To Whom it Concerns, Recently, I contacted your firm with a formal consumer complaint challenging reported claim ( s ) under the FCRA 611 ( a ) ( 7 ). Included as well in addition of that check for compliant reporting, I sent a formal written validation demand to the Creditor for the Inquiry that you are reporting. I received back a denial of process and an assertion that the records of the inquiry ( ies ) reported were in fact UNAVAILABLE, or so they claimed! No matter if you or a third party has collected this information, you must have an adequate record to legally substantiate the claim ( XXXX ), if not it ( they ) is/are UNVERIFIEABLE, invalid, or not factually certified compliantly reported ( even to the mandatory Metro 2 format standards ) or ANY OTHER DEFICIENCY OF FACTUAL REPORTING and or process of reporting then said allegations are unfit and therefore CAN NOT be LEGALLY reported. Tort law is quite clear in this matter! You have NO MORE THAN 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. If you choose not to, I will have no choice but commence the unpleasantness of a Section 1024.35 ( Notice of Error ) under Regulation X of the CFPB regulatory reform guidelines for Credit Reporting Agencies. Below listed are the questionable if not altogether erroneous inquiries you are reporting, each of which REQUIRES ERADICATION from reporting IMMEDIATELY and PERMANENTLY :
Product: Credit card

On XX/XX/2024, I received a letter from XXXX XXXX offering a voluntary repayment agreement of {$50.00} due to the fact that I owed a past due balance of {$1400.00} and that it must be signed and returned to the address on the agreement by XX/XX/2024. Due to the fact that it wasn't sent to the correct address, I received it at a later date and didn't have sufficient time to mail it off by the deadline. So, I called XXXXXXXX XXXX  customer service and was told that I could sign the agreement, take a picture of it, and email it to XXXX. I did exactly that, but did not receive any acknowledgement of them receiving it even though I have proof that I sent it. Since the email wasn't acknowledged, the agreement wasn't honored or mishandled, the account was placed in collections which is being reported inaccurately. This is a violation of the Fair Credit Reporting Act ( FCRA ) because of misreporting of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX and Account # 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.
Product: Payday loan

Received a phone call from XXXX stating that I was going to be charged for a civil and a criminal lawsuite from XXXX and Check Into Cash payday loan. I told them I have never had a payday loan from that company and they continued to harass me and I asked for the information date etc and that I would go to my attorney with this and they hung up. 
the Company is XXXX and the phone number was from Ohio. I went online to check into company and can not locate company I want to file a claim against them. If they can show me proof that I took out a loan with that company I am willing to make a settlement but not until.
Product: Checking or savings account

Called multiple times requesting citi checking account closed and account is STILL open.
Product: Credit card

received this card on and/or around XXXX attempted to activate the card and use in store. was unsuccessful to activate the card online, called and tried to activate the card. the employees kept harassing me about knowledge of transactions. I informed them I have no recollection, I have been focused on my health. they refused to activate the card. to my knowledge I haven't made any purchases on the card and the harassment received by the employees I do not desire to have this card as this affects my health. 
XXXX veteran protected class member as a result of the harassment and discrimination I do not feel safe to speak with their employees. 

I am still traumatized by this experiene. I tried to do this via dispute with XXXX. after applying for an apartment I see that this was not settled and may impact me as I am still a XXXX veteran homeless