23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a transaction that has been pending in my account for days the name of the pending transaction was for deerwood othordonics in the amount of XXXX that was not suppose to have been taking out. I contacted the merchant and they told me they reversed the transaction the same day which was XXXX XXXX. Prior to this transaction there was a transaction from this same merchant pending in XXXX for XXXX they did the wrong billing and the same day they reversed the transaction and I received my funds two days later. I contacted credit karma money multiple times and kept getting different answers. The first time they told me my funds will be available XX/XX/XXXX at midnight. I check my account and the funds wasnt there. I then called back they told me to wait until XXXX on this same day. Now they are telling me 3-5 business days. This have never took this long for a reversal to go thru. I did a XXXX recently and didnt get all my food and they reversed the funds I didnt get and it appeared in my account right away. This is a holiday and none of this is my fault and I feel like they are just holding the money for interest. I even have an authorization code from the merchant stating they reversed it. No one is trying to help me with this.
Product: Debt collection

XX/XX/2020. I entered XXXX XXXX I extended them via my SSN card, expecting a consumer credit transaction. ( You entered me in a empty and fraudulent alleged contract ) In turn my contract was filled with Truth In Lending Act Violations. 

See labeled violations 1. 15 USC 1602 wording like US and We isnt defined in Truth In Lending. The wording is intentionally deceitful and misleading in an attempt to confuse me as the original creditor. Also is an attempt to mislead me into thinking Im the debtor. 

2. 15 USC 1605 Determination of a Finance charge clearly states the finance charge does not include charges of a type payable in comparable transaction, meaning there is never to be cash need or accepted in a consumer credit transaction items # 2 # 5 # 6 show I put {$1500.00} in cash in the transaction. 
Also # 4 shows I make monthly payments on a loan from Credit Acceptance Title 15 Chapter 41 does not define a loan I have no idea what that is. Im came in for a consumer credit transaction there is to be no cash involved. 

3. 15 USC 1605 Determination of finance charge, also states the finance charge is the sum of all charges. So why wasnt my on insurance ( XXXX, XXXX XXXX etc ) including in my finance charge. Total payments # 3 show cash given out amount, but the finance show lower amount which is the sum of all charges right?. 

4. 15 USC 1635 Right of rescission as to certain transactions, say the creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, any obligor in a transaction subject to this section the rights of the obligor in under this section I was never given disclosed of my right see attachments
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off a loan from Advance Financial on XX/XX/XXXX. Attached is the receipt. For several months after the loan was paid off I would receive various emails saying that I still owed small amounts - ie under XXXX each time I would call to pay them and then receive an email the following month requesting XXXX again. I finally started ignoring the emails and decided it was a scam. Advance Financial ( af247.com ) likely owes ME money from the fraudulent post pay off fees that they sent me. 

Fast forward to today, XX/XX/XXXX, I receive a notification from the XXXX XXXX that a collection account has been added to my credit report from a collection agency called XXXX XXXX XXXX for {$6400.00}. XXXX XXXX XXXX  I called XXXX XXXX  and advised them that I did not owe Advance Financial anything. I shared the payoff receipt. In fact, I never paid them late. I requested that XXXX XXXX send me copies of what was provided to them and have not received.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX, has violated my rights. they have reported false information on my credit report and after multiple attempts to have it removed, they refuse to update it to current. 

15 U.S.C 1681 section 602 A. States that I have rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 2023
Product: Checking or savings account

In the middle of XX/XX/year> my checking account was hacked. The hackers charged 10 items or less using our name, address, account number, and IP address. They made it look like my wife and I made the purchases. We did not make the purchases and disputed the charges immediately. I get a letter in the mail dated XX/XX/XXXX saying that my claim was denied. As a result I will have to pay over {$200.00} for charges that I did not make. On XX/XX/XXXX the money was taken out of our account. I have called M and T Bank many times about this issue. I was not able to resolve it with them. We did not make these charges. M and T Bank says that we did make these charges. They said that I have to contact the merchant to dispute the matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint on my own free will. No one is coercing me or helping me. You can find my correspondence attached to this complaint.
Product: Credit card or prepaid card

I received an unsolicited credit card from US Bank in the mail on XX/XX/2020. I made several attempts to contact US Bank by phone to complain and cancel the card. But, the wait times are so long it is  extremely inconvenient. I resent the fact that US Bank can send a credit card to someone that has absolutely no contact with the bank. The potential for fraud if this card were to fall into the wrong hands is enormous. My potential liability through no fault of my own is unacceptable. I have worked hard all my life to maintain a spotless credit rating and the potential this unsolicited credit card represents to do harm to my credit rating is also unacceptable. 
I do not nor have I ever had any account with US Bank. I do not want this credit card. But most concerning is that this type of practice of sending an unsolicited credit card to an individual is legal. This practice should be illegal and US Bank should be held responsible for consumer fraud.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXXXXXX CAP XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a new car and a new home I realized I have damages on my credit report. According to 15USC 1681 law there should not be any damages on my consumer report thats a defamation to my character. 

Account for XXXX XXXX XXXX Account # : XXXX Account for XXXX XXXX Account # : XXXX Account for XXXX XXXX  Account # : XXXX Account for XXXX XXXX Account XXXX XXXX XXXX Account for XXXX  Account # : XXXX
Product: Debt collection

In XX/XX/2015, Financial Management Solutions, a collection agency, contacted me on my personal cellular about an outstanding debt they claimed I owed. Among other things, they failed to send me a 'Dunning Letter '' within 5 days of contact in regards to their attempt to collect the debt they insisted I owed which would have allowed me my right to dispute within 30 days, as well as violates my rights under FDCPA Section 809. Validation of debts [ 15 USC 1692g ]. In addition, Financial Management Solutions also violated the Fair Credit Reporting Act, by reporting this debt to the Credit Bureaus before allowing my 30 day right to dispute period.
Product: Credit reporting or other personal consumer reports

Upon the agreement of XX/XX/XXXX the company Mandarich Law Group in connection with XXXX XXXX agreed to remove the negative information on the credit report as it was inaccurate. When I contacted their office on XX/XX/XXXX to advise that when I reviewed my credit report that they had placed the item back on my credit as a new debt, I was told I needed to contact XXXX XXXX directly. However Mandarich Law Group is the Company to which I was working with directly. Mandarich Law Group has stated that they no longer has the ability to assist me as the matter was settled and that I would need to contact XXXX XXXX however there is no record of XXXX XXXX. When I spoke with Mandarich Law Group there claim is that they no longer have a relationship with XXXX XXXX and are unable to assist me. However because this is reporting on my report as a new debt it leads me to believe that there is fraud. Mandarich Law Group has failed to do as agreed and I have been informed that they do not have a valid number for the company XXXX XXXX to remove the item from my credit report as I do not owe this debt.
Product: Money transfer, virtual currency, or money service

XXXXHAD AD ON XXXX ALLOWING YOU TO TRANSFER USING MONEYGRAM FRAUD IN-DUCED WIRE TRANSFERS. 

VIOLATING THE DODD-FRANK REFERNCE NOXXXX TOALING {$1300.00} PLUS FEES.
Product: Debt collection

This debt does not belong to me. I've stated this more than once with Jefferson Capital Systems LLC. Now it seems that this new company is also trying to collect on something that's not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off my account with XXXX but they will not update my credit report to list a {$0.00} balance on this account. I tried to dispute the account with XXXX   XXXX  and Trans Union ; but they continue to verify a balance owed when there is not one owed.
Product: Debt collection

I called the company to make payment arrangements. The arrangements I made for 3 accounts was for a payment to come out once a month. They pulled the payments twice a month without permission. When I called, they said they would send me a " new '' agreement for the once-a-month payment. I switched to that, but now I need the money they pulled without my permission back.
Product: Credit reporting or other personal consumer reports

Equifax has a data breach and my identity was affected. My social security XXXX
Product: Credit reporting or other personal consumer reports

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 

Kindly check the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

writing to formally report fraudulent credit inquiries that have appeared on my XXXX credit report. These inquiries were made without my authorization and are the result of identity theft. I am requesting the CFPB assistance in having these inquiries removed immediately and in addressing this case of fraud. 

Fraudulent Inquiries : The following unauthorized inquiries were listed on my XXXX credit report, all dated XX/XX/2024 : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX via XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries, and they were not initiated by me. They are negatively affecting my credit score and overall financial stability.
Product: Credit card

Around XXXX of 2015, Citi Bank advertised a signing bonus of XXXX Thank You points. To receive such signing bonus, according to the linking page which I took a photo, no spending is required. I applied during the promotional period using the application link provided by Citi website and was approved. However, despite repeated inquiries, Citi has yet to post the signing bonus to my account.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with the DAVE app. I then requested that they stop debiting my bank account and debit card, as is provided for by federal law. They have refused to respond and have refused to stop debiting my account and card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a previous complaint I sent on XX/XX/XXXX I stated the following to EXPERIAN, " EXPERIAN IS IN VIOLATION OF THE FOLLOWING SECTIONS OF 15 USC 1681, I HAVE PROOF IN THE ATTACHED EXHIBITS. 
-15 USC 1681b ( 2 ) -15 USC 1681 ( b ) -15 USC 1681e ( b ) -15 USC 1681a ( 4 ) '' EXPERIAN response from their AUTOMATED system as I was told by an agent via phone automatically classified my complaint as not being made nor authorized by myself. 

How can an automated system determine who someone is or is not? Why are there no trained professionals handling these cases? As a victim of Identity theft who has submitted all of the proper documentation as dictated by FTC in relation to identity theft, I find it both disturbing and frustrating that no one in this department is taking my case seriously. I have been passed off by several different agents when I call, one agent even going as far to lie about what was submitted and when, with every other agent after stating they couldn't even see it yet. I am tired of EXPERIAN 's lack of professionalism, especially when handling serious matters such as these. This company assumes that we as federally protected consumers do not know our rights however, I DO! 

I know exactly what each of those sections state and exactly how EXPERIAN has VIOLATED my rights pertaining to each section that I listed. Please do not attempt to say this is not me again when I am sending you NOTARIZED Affidavits and my personal identification that verifies who I am. Also to note you have violated the FCRA again through your prolonging of this affair. 

- 15 USC 1681c-2 ( a ) It is passed the allowed time for you to remove and block the information I included on my Identity theft report that you received Via Mail AND this online portal! I have proof in Exhibit C. 

I DEMAND THAT YOU FOLLOW THE LAW EXPERIAN and teach your staff to do the same because everyone of your agents I have spoken to has NO CLUE what that section is and they are on your FRAUD department staff. How can they not know the basic rules when regarding what their department is designed to do?! 

You are Damaging my reputation and causing me tremendous emotional distress including financial harm preventing me from getting assistance I need due to your reporting of Inaccurate, fraudulent information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my credit report concerning a bankruptcy. The U.S. Bankruptcy Court does not report case information to credit reporting agencies per the attached letter from the Court. 

Specifically, XXXX XXXX is reporting account numbers that are different. The credit reporting agencies have all indicated that the information was verified by XXXX XXXX, not the U.S. Bankruptcy Court. XXXX XXXX has indicated that it used information from XXXX, not the Court. The information is different and inaccurate. Please see attached.

The credit reporting agencies are using information that XXXX XXXX purchased from a disinterested third party that is unreliable, incomplete and inaccurate. 

Since it did not get the information from the Bankruptcy Court and the court doesnt report case information to XXXX XXXX, it has verified inaccurate information and the credit reporting agencies have used this information willfully and negligently. A violation of the statute.
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXXXXXX XXXX  and XXXX XXXX. Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online dispute with Equifax on XX/XX/2019 disputing my name as reporting inaccurate a Bankruptcy listed in the public records section of my credit report. They continue to report this Bankruptcy on my credit report after I showed them proof of how my name was inaccurate based of a credit report that I received from a 3rd party company named XXXX XXXX whom which they verify information with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've put in a dispute concerning my family members adding me as an authorize users on to account 's on my credit report and it not reflecting in my credit report. I was told to call the company and they will fix it when they update but was told they sent the complete file to the bureau. I'm requesting that the credit bureau update my credit file to reflect the payment HISTORY OF THE CARD IMMEDITAILEY. Ive also complained about my credit file not updating correctly and I've been told to contact the special handling department but its not a number to contact but an internal number to it has to be transfered but no one never picks up. I'm requesting to remove all blocks and alerts from my credit report immediately so my credit report can updated correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all agencies with no responses starting XX/XX/XXXX. Please provide documentation of what actions were taken on all disputes online and in the mail. All claims made are still valid.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate and unauthorized inquiries reported on my TransUnion credit report. These inquiries are not associated with any accounts or credit applications initiated by me, and I have no knowledge of their origin. Despite my efforts to dispute these inquiries directly with TransUnion, they remain on my credit report, negatively impacting my credit score and overall creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are obligated to follow reasonable procedures to ensure the accuracy of the information they report. By failing to verify the legitimacy of these inquiries and continuing to report them, TransUnion has violated its legal responsibility to maintain accurate consumer credit information. 

Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus must conduct a reasonable investigation into such disputes. Despite my attempts to resolve this issue, TransUnion has failed to adequately investigate or remove the inaccurate inquiries. 

These unauthorized inquiries are causing undue harm to my credit profile and may result from identity theft or other unauthorized activity. TransUnions failure to address these inaccuracies undermines the integrity of the credit reporting system and unfairly penalizes me as a consumer. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Specifically, I seek the immediate removal of all unauthorized inquiries from my TransUnion credit report and assurance that TransUnion will take appropriate steps to prevent similar inaccuracies in the future. 

Thank you for your attention to this matter. I trust in your assistance to ensure compliance with federal consumer protection laws and to restore accuracy to my credit report. 


XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX Inquiry : XXXX XXXX, XXXX + Travel/Entertainment XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Automotive
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to Privacy and confidentiality under 15 Usc 1681 Account Name - XXXX  XXXX # XXXX, Account Name - XXXX  XXXX XXXX  # XXXX, Account Name - XXXX XXXX # XXXX, Account Name - XXXX XXXX XXXX  XXXX  # XXXX, Account Name - XXXX XXXX XXXX XXXXXXXX # XXXX, Account Name - 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. ( a5 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 an 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.