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

Recently I did an investigation on my credit report which caused an extreme XXXX  XXXX upon me I found unverifiable, invalidated, inaccurate, and questionable items that your company did't make sure it was reporting 100 % correct. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is in reference to inaccurate information that XXXX ( XXXX XXXX XXXX ) is providing to EQUIFAX and EQUIFAX is publishing to my consumer file.Thei inaccurate information is in regards to late payments which never occurred with following XXXX following dates. 
XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) And NO XXXX or 60 day late prior to XX/XX/XXXX which is totally unethical and blatant misuse of my credit file. Next in XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) Then XX/XX/XXXX ( XXXX ) but reportedal a payment XX/XX/XXXX then XX/XX/XXXX ( XXXX ) UNDER ( FCRA ) CREDIT REPORTING AGENCIES ARE REQUIRED TO MAINTAIN ACCURATE AND COMPLETE INFORMATION. 
FCRA 607 ( b ) ( 15 U. S. C 1681 e ( b )..

BE CLEAR IM NOT ASKING FOR VALIDATION BUT IT TO BE REMOVEDFROM MY EQUIFAX CREDIT FILE OR UPDATED TO POSITIVE PAYMENT HISTORY.
Product: Credit reporting or other personal consumer reports

My recent review of my credit report revealed some billing mistakes. These late payments do not reflect my typical payment behavior. Id appreciate it if you could fix these errors and update my account details.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Equifax Data Breach - This complaint requests that Equifax immediately renders all settlement services due to me as the result of the federal court agreement established on XX/XX/XXXX. I am a victim of the Equifax data breach, and as a result of this breach, I have suffered extensive damages to my credit, including fraud and identity theft. I confirmed my eligibility and filed an initial claim in XX/XX/XXXX and again in XX/XX/XXXX with no Equifax response. 

During the process of my claim, I selected the option to receive reimbursement for the Equifax subscription. I have not received any written acknowledgment of my claim or confirmation that I would be receiving such services. In XX/XX/XXXX, I subscribed to the XXXX credit monitoring services in light of Equifax 's lack of response. I submitted by mail to Equifax copies of my subscription fees ; however, I stopped such services in XX/XX/XXXX since Equifax has not responded to my reimbursement request. 

At this point, I seek CFPB 's assistance to enforce Equifax to immediately restitute my credit by rendering reimbursement of credit monitoring services in XXXX and providing me credit services for the next four years. Also, I seek reimbursement for all out-of-pocket losses for the costs incurred in hiring professional services to fix my credit. 

Equifax has failed to comply with the Federal Court Order. Regardless of the appeals that Equifax may be seeking, I kindly request CFPB to address Equifax 's failure to amend the damages I have suffered due to the breach of my information. 

Thank you,
Product: Payday loan, title loan, personal loan, or advance loan

Today, XX/XX/XXXX, I contacted the company that input the information from a third-party lender known as XXXX XXXX XXXX  The company assist that I requested a loan online through this company and that through their terms that they were forwarded My information that allows them to put a hard inquiry within my credit for a loan possibilities. This is a problem as I do not know the company aforementioned. I also requested information how to get this inquiry removed and who to contact unfortunately, Tower finance in correspondence made it clear that they are not willing to.
Product: Payday loan, title loan, or personal loan

I took out a payday loan from Advanced America for the amount of {$150.00} which added up to {$170.00} after taxes and fees XX/XX/XXXX from a XXXX XXXX XXXX account. 
On XX/XX/XXXX, I found out the Advanced America had stolen {$280.00} from my XXXX XXXX  account, an account that I did NOT give them account information for and did NOT give Advanced America legal authorization to access. 
Not only did Advanced America steal money from an entirely unrelated bank and fairly new account, but they also increased the debt by 65.88 % which is more than double the amount of the original loan. 
Then, via their website, Advanced America are STILL expecting a repayment of {$170.00} even after illegally removing {$280.00} from an account that they were never given information for or access to. 
I'm in the midst of finishing up repairs on my house, and this unexpected, unauthorized, and illegal money grab is putting me in more of a bind because I was blindside by said expense. 
Even according to their own website, I have NO bank accounts connected to my Advanced America account, and without prior consent for that particular account, Advanced America illegal accessed funds from a separate account.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPS lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial Institute and Zelle failed to investigate my claims adequately. The CFPS findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I called Venmo to close my personal and business account. As of XX/XX/2022 the problem remains unresolved. To speak with me they required I submit a copy of my Driver 's License to verify who my identify. To close my account they need a copy of my bank statement. I have submitted my bank statement 3 times. They tell me there is a problem with their system, engineers are working on it and for many business accounts they are unable to receive documents. Despite it being " escalated '' there is no target date for resolution. Additionally, they will not accept an email of the scanned bank statement to solve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX and transunion has some accounts on my credit that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 60 days late ( XXXX to XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Debt collection

Trident Asset Collection Agency placed returned checks into the wrong category. They were entered as if they were revolving accounts ; in which, payments were assigned/ made on a specific date or cycle.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App aka Block , Inc. for inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act or CFPA. In specific, Cash App failed to take timely and effective measures to address and prevent fraud on their platform with their clients/users, thus leaving my account vulnerable and unprotected. With that being said, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act or EFTA and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for said violations.
Product: Payday loan, title loan, or personal loan

Wells Fargo made me close out my Line of Credit on my checking account. I decided to close out of my checking and savings and pay off the line of credit. I paid XXXX cents too much and my line of credit account has a credit of XXXX. 

When I was at the branch bank in downtown XXXX XXXX Minnesota they told me I had to call a phone number to get them to send me a check for XXXX. I called XXXX twice to get through to a banker so I could close my line of credit and get my money. Both times they verified me through their verification system and then the automated voice said " Are you calling about a refund owed to you? '' I said " Yes '' and the automated voice said " this call is ending now '' and their phone system just hung up on me. 

It prompts me to ask what I am calling about and then hangs up on me. Wells Fargo is making everyone close their line of credit so they must be making it very difficult if not impossible to get any money owed to you from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes were submitted on XXXX/XXXX/XXXX - XXXX/XXXX/XXXX - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to XXXX, Trans Union and to XXXX. The lack of communication these agencies give is utterly ridiculous. As a consumer, it is my right to dispute inaccuracies on my credit files, in which I have. However, these agencies have violated the Fair Credit Act by not responding to my concerns.
Product: Checking or savings account

I opened up an account at pnc bank. I made it crystal clear at the time. Do Not gouge me with fees. The whole purpose of opening the account was to get away from another bank that was stealing from me. I sent after they stated gouging me to close my account and send me the balance. They close the account and kept the money. them a letter stating this and to close my account. They kept the money.
Product: Debt collection

Collection company is trying to add " accrued '' interest on my daughters account ( she is a XXXX ). This is not the first time they have try to add accrued interest on my accounts. I 'm sure I 'm not the only one that the company has done this too.
Product: Credit card or prepaid card

I have requested Discover several times to close my Discover Card but I have been getting a run around. 
After several unsuccessful phone attempts, I chatted with several online representative on XX/XX/2020 and requested to close my account but they transferred me to Customer Service department who referred me to a phone number to call. I called the number provided to me, verified myself for security and requested to close the account but I was transferred to another department. The other department did something and then said I needed to speak to a different department and got transferred. That new department verified me for security and then said she needed to transfer me to another department. She transferred me to another department, they verified my security and said they were going to close the account BUT she transferred me to another department. 
The 5th transfer told me that she couldn't close the account and apologized.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX I XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX I XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a cfpb complaint against Transunion on XX/XX/year> for unverifiable and inaccurate information on my consumer report. Here 's the complaint number XXXX. They did not remove this information and said it was verified however, I have reason to believe that an investigation was not conducted as these items were not deleted by Transunion but was deleted from XXXX. XXXX attached labeled " XXXX Chargeoff results ''. Additionally, upon inspecting the investigation results, I noticed that the date updated for two of the accounts did NOT change which means that they did NOT contact the furnisher to investigate this information. See attached " transunion charge off results ''. I am demanding that they comply with section 611 of the FCRA and promptly delete this inaccurate and unverifiable information from my reports.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The fraudulent, inaccurate, and false information consists of the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, Untitled XXXX Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. To support my claim I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's incorrect information on my credit report. Remove all old addresses and personal information. 

My legal name is XXXX XXXX XXXX. 

My date of birth is XX/XX/1989. 

My residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

My employer is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX -XX/XX/XXXX 2. XXXX XXXX XXXX XXXX -XX/XX/XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

TransUnion is reporting inaccurate information on my credit report. I disputed this account in XXXX of 2023 and instead of the account being deleted from my credit report it was placed under CLOSED ACCOUNT and as an unpaid balance. This is not my account and i have no knowledge of this account and I believe it to be a result of identity theft.
Product: Credit card or prepaid card

Ive tried on several occasions to let XXXX XXXX ( {$860.00} ) and Monroe and Main ( {$1300.00} ) know that 2 credit cards were open using my social ( NOT MY NAME ) was not me! Ive tried to dispute the items but they keep saying they are mine. The persons name is similar to mine but its not mine. I feel that I shouldnt have to pay someone elses debt. I made a complaint and sent out letters from the identity theft.com website on XX/XX/2021. They still feel as if these were my accounts. They are NOT! It is their job to do their due diligence before giving credit cards to people because things like this could happen.
Product: Credit reporting or other personal consumer reports

A few months ago i noticed that i had a bankruptcy reporting on my credit report. I did some investigation and found out that my mother had filed for bankruptcy. I disputed the bankruptcy with all 3 bureaus and only 1 bureau took it off. XXXX and XXXX did not remove it.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed {$310.00} XXXX XXXX  XXXX Balance Owed : {$4000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$380.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$850.00} XXXX XXXX XXXX  Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$760.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, Capital One ( my checking account ) did not deposit my funds due to technical issues. They state it will be deposited this morning but it still has not. 

I was supposed to get paid today but still has not been paid Also Capital One is not communicating how and when this will be resolved. 

I had things coming out and concerned about fees etc
Product: Debt collection

I don't know anything about this debt, I've never heard of the original creditor PLUSFOUR INC I've tried to dispute the item on my credit report and I haven't heard anything back from PLUSFOUR INC nor XXXX XXXX XXXX XXXX.
Product: Debt collection

Fraudulent collections account. 

i viewed an open apartment years ago they then called me about an existing balance I asked them how they couldnt give a direct answer. 

i have never done paperwork business with this company i only viewed an apartment here.
Product: Checking or savings account

I had an unauthorized transaction on my account XX/XX/XXXX when I realized this I called money network and asked to cancel my card and how to dispute. They told me I had to print and fill out a form then scan it and convert into a PDF and email their fraud department, which I did the very next day. After 2 months they denied my dispute and I asked why and they said that I authorized transaction from something j was disputed but what they described wasnt even on the form that I sent to them. So I asked to appeal and they told me the only way to do that was to fax them which I did and I have not heard anything from them since.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account need to be completely removed from my report due to inaccurate reporting and inability to verify debt
Product: Credit reporting or other personal consumer reports

To whom it may concern. Accounts spring oaks capital LLC {$1400.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX  {$2900.00} I have received a copy of my credit report. To my surprise you are reporting this accounts incorrectly. This collection accounts are reporting not only open but also show past due balances. According to FCRA I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey Transunion is reporting fraudulent inquiries and identity was compromised while out of the country. 

Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 

XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX
Product: Debt collection

MIDLAND CREDIT MANAGEMENT ccount info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$630.00} past due as of XX/XX/XXXX.