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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I discovered in XX/XX/2023 that XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IN XXXX pulled my XXXX credit report on XX/XX/2023 without my knowledge or consent in person by phone or email. I further discovered that on the same day XX/XX/2023 my personal credit information was submitted to 4 different auto lenders XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I contacted by phone on XX/XX/2023 XXXX XXXX XXXX and spoke with the manager XXXX looking for answers and steps that I can take to determine how this happened and how he was going to help me remove these hard inquiries of my credit reports. He flat out said " there was nothing he could do '' nor was he willing to assist me in resolving this. I offered to physically come into the dealership and prove to him my identity and he again said " there was nothing he could do ''. I found this to be so irresponsible and so dismissive regarding customers personal information and how this company handles FTC regulations and laws as it pertains to fraudulent applications. I told him I was going to file a complaint with the Indiana Attorney General and Indiana Secretary of State if he was not willing to help me in any way. He did not care. I also complained to this car dealership home office XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX or ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the deletion of these inquiries from my report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to this matter.
Product: Debt collection

I am filing a formal complaint regarding an inaccurate collection account that has been reported on my credit file. I recently reviewed my credit report and discovered that [ Collection Agency Name ] has placed a collection account under my name, which I do not recognize and did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries below are a result of Id theft and I notified Equifax and requested they block it under section 605b and they denied that and gave me a response that inquries are a factual record! There response is in violation of 605b.

1. XXXX  2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX   6. XXXX XXXX 7. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SHOWS OPEN, I PAID THIS ACCOUNT TO A COLLECTION COMPANY IN FULL. I HAVE A LETTER FROM XXXX XXXX XXXX. I HAVE BEEN REPORTING TO ALL 3 CREDIT BUREAUS THAT XXXX XXXX IS CLOSED AND SUMMITED THE LETTER STAYTING ITS PAID IN FULL. ALL BUREAU COMPANIES KEEP SAYING THAT THE COMPANY THAT REPORTED TO THEM SAYS ITS STILL OPEN. I HAVE CALLED XXXX XXXX SO MANY NUMBERS AND THEY SAY THEY DONT HAVE IT OPEN. I DONT KNOW WHERE THE CREDIT BUREAUS ARE CALLING, AND THEY KEEP LEAVING THIS OPEN AND ITS NOT OPEN IT WAS PAID IN FULL AND ITS HURTING MY CREDIT. I HAVE BEEN AT THIS FOR 1 1/2 YEAR AND NOTHING GETS RESOLVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already send complaints and letters to the bureaus and to the companies and they never response to my request to provide proof of validation, payment history and all the results of the investigation but they never provide any of the request I sent. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX
Product: Debt collection

I instructed to only contact me in written mail, but they keep calling me non-stop.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized and inaccurate credit inquiries appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 604, a permissible purpose is required for any inquiry. These inquiries were made without my authorization, violating my rights under the FCRA. 

I request that these inaccurate inquiries be investigated and removed promptly. Such unauthorized entries harm my creditworthiness and financial standing. Please ensure all necessary steps are taken to correct this matter and hold the responsible parties accountable for non-compliance. 

Thank you for your immediate attention to this issue. 

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

Dear CFPB, I am filing this complaint regarding the unpaid settlement funds I am owed as a result of the Equifax data breach. My personal information was compromised in the breach, leading to significant issues, including fraudulent charges and unauthorized withdrawals from my XXXX XXXX account. I have provided them all requested documentation, and I have proof from the Equifax settlement website confirming that I was directly impacted by the breach. 

Despite fulfilling all the necessary requirements and submitting the requested information, Equifax has not released the compensation owed to me for the damages I suffered. This delay has caused unnecessary hardship, and I believe it is unfair and unacceptable that Equifax has not yet paid out the settlement funds. 

I request the CFPBs assistance in ensuring that Equifax honors their commitment and promptly releases the compensation I am owed. Thank you for your kind attention to this matter! My claim Number is : # XXXX  Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX IS UNLAWFULLY REPORTING A XXXXXXXX XXXX XXXX ON MY CREDIT REPORT. THIS ACCOUNT AND BALANCE ARE NOT MINE AND ARE CLEARLY THE RESULT OF FRAUD AND IDENTITY THEFT. I HAVE ATTACHED AN ACCOUNT REMOVAL LETTER FOR YOUR REVIEW. I EXPECT IMMEDIATE COMPLIANCE, AS THEY ARE CONTINUING TO VIOLATE THE ESTABLISHED RULES AND REGULATIONS.
Product: Credit reporting or other personal consumer reports

I have a lot of hard inquiries and collections from accounts that are not mines and had never open
Product: Credit card or prepaid card

My credit score is XXXX Wells Fargo has denied me a credit card
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to inform you about an error I noticed on my XXXX credit report Lvnv funding LLCXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of item being XXXX I have disputed this accounts several times over the past few months. I never received any response from these companies. I have asked for validation and repeatedly stated these accounts are fraudulent. 
I am requesting that you remove this information from my credit report. 

Thank you for your help
Product: Debt collection

I received a letter from a collection company I saying I have to pay them. Someone used my name and I filed a police report. The item I believe there revering to is an item that is charged off on my credit which its not mine.
Product: Checking or savings account

i am writing to report that Chase has not resolved the many fraudulent monthly ACH withdrawals by  XXXX  that came out of our checking account ( started on  XX/XX/XXXX  -  XX/XX/XXXX  ). We have not authorized any ACH transactions to  XXXX  or any other vendor ( we are, however,  XXXX  customers but have enrolled in auto bill pay via credit card ).
On XX/XX/XXXX , We went to the Chase local bank in   XXXX   XXXX  , FL to file a complaint regarding these charges as shown below, but claimed that via FTC rules, are only required to reimburse only the first three of these transactions : XX/XX/XXXX  - {$60.00}  XX/XX/XXXX - {$49.00}  XX/XX/XXXX  - {$59.00} XX/XX/XXXX  - {$59.00}  XX/XX/XXXX  - {$70.00}  XX/XX/XXXX  - {$70.00}  XX/XX/XXXX  - {$70.00} On  XX/XX/XXXX , we went to   XXXX   XXXX     XXXX   store and gave them all this info to find out who was making these ACH transactions. The  XXXX  store rep sent an email to  XXXX  Security per   XXXX   XXXX   XXXX  , Local Branch Manager as noted below : " Cust came in today to our office saying that  XXXX  is taking monies out of their bank account every month  XX/XX/XXXX  // and last one as of date  XX/XX/XXXX .
The acct number above is their current acct with us and current have their credit card number on for automatic payments .. I checked acct no double payments. The bank gave them a print out of their acct actions and there is no acct number for me to look at or try to find where the issue is.
Cust wants to report this and get any help from us on this to find out where their money is going. ''   XXXX   and Chase both believe they have done all they are required to do.
Product: Checking or savings account

I opened this Capital One 360 Savings online savings account prior to XXXX because it had a competitive interest rate at the time. Unlike all of my other online savings accounts the interest rate did not go up with the market. In fact, it is very a low interest rate of 0.30 %. I am not sure when and why it got set at such a low rate. Capital One is offering new customers 4.35 % on their accounts. Why are existing customers being treated worse than new customers? 
The account does not have any statements available. I was only able to download two years of transactions. I withdrew most of my money out of the account ( {$3000.00} ) on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked this credit card company back in XX/XX/XXXX to investigate and to remove inaccurate information from my consumer reports. Account number ending in XXXX with a credit limit of {$500.00} bucks that shows up on my consumer reports. I sent them a second notice in XX/XX/XXXX to remove this Inaccurate fraud account that does not make any sence, but no answer from them..
Product: Debt collection

The original company who claims I owe money for an internet router failed to provide me with the necessary shipping information to return the product and then they charged me for not returning the item, however I could not return the item without them doing their part in providing the shipping label. This is a false debt that I do not owe and even the bank agrees with this as they returned my money back to me. Now this company is aggressively trying to collect money from me and destroy my credit for something im not obligated to pay. The amount of the debt is alos increasing at an unknown rate under the guise of " fees ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX and ACCT XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy. 

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished an account without my written instructions.
Product: Credit card

On XXXX I received a settlement offer from XXXX XXXX XXXX XXXX XXXX XXXX, that stated that I could pay {$270.00} of my balance to settle the account as long as it was paid by XX/XX/scrub>XXXX  That amount was paid on time and has cleared my bank account, and the company still has not honored their part of the agreement and has a balance showing of {$91.00}. The balance as of 10/10/2024 is now accruing interest and will be reported to my credit on XXXX showing an incorrect balance. I have reached out to the company, and they assured me that it would be taken care of, and to date it has not been. This is fraud, and in my opinion the government is allowing predatory companies such as XXXX XXXX to get away with too much.
Product: Credit card or prepaid card

On XX/XX/2022, sent a letter of rescission to DISCOVER FINANCIAL SERVICES rescinding the consumer credit transaction pursuant to Title 15 U.S. Code 1635. They received the rescission letter on XX/XX/2022. DISCOVER FINANCIAL SERVICES has not responded to this rescission.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX  -Balance {$20000.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX -Balance {$86.00} -Date Opened XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I submitted a payoff to XXXX XXXX XXXX XXXX XXXX. This payoff was evidenced by a filing via a UCC 1 Financing statement recording File no. XXXX. I submitted payoff via mail and sent copies of payoff via fax, email and certified mail. To this date XX/XX/2018 XXXX XXXX XXXX XXXX  XXXX has fail to credit my account and continuesbto bill me.
Product: Student loan

MOHELA 's and FSA 's website both show I owe XXXX balance on all the loans that were issued to me. I had ten loans in total. MOHELA issued " paid-in-full '' ( PIF ) letters shortly after the 7 loans were paid off. For the last remaining 3 loans paid off on XX/XX/2024, MOHELA has not issued a PIF letter, nor has it issued a {$770.00} refund for an overpayment. 

According to MOHELA 's website, PIF letters are issued 30-45 days after effective date of loan payoff ( in this case, that effective date is XX/XX/2024 ). When queried on two calls and via writing on MOHELA 's messaging portal, MOHELA refuses to provide the PIF, nor explain why it has not issued it. As of today 's date of XX/XX/2024, it is 106 days inclusive of the effective payoff date. MOHELA also refuses to issue the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX XXXX,2017 and XXXX XXXX,2017 Equifax removed XXXX XXXX XXXX collection  account and XXXX XXXX XXXX XXXX collection account. I was not notified that they would be re-adding these collections to my credit report and by them adding these collections back on, they are hindering my home buying process. They also removed all inquiries and has now readded them back on. They are in clear violation of the FCRA. They also deleted the correct spelling of my name which is XXXX XXXX, they deleted all my accounts that were reporting such as XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. They removed the XXXX XXXX inquiriy which almost resulted in my checking & savings account being closed and they removed my correct address XXXX XXXX XXXX XXXX Last but not least I have two new accounts open which are XXXX and XXXX XXXX and I need those to not be removed as they will result in XXXX XXXX closing my accounts. I recently submitted a complaint and Equifax was very deceiving stating nothing was ever removed from my credit file but I have proof that says other wise. Once again I am asking that everything that was previously removed be re-removed and not added back or I will seek legal action.
Product: Debt collection

I placed an order for a workout machine by a company named XXXX / TD Retail Card Services back in XX/XX/2020. It just so happened that covid-19 hit so shipping of the item was never made. I spoke to customer service at least 30 times with waiting times of an average of 2 hrs per call. Everytime they told me that they did not know where the item was. So I told them that I wanted to cancel the entire order. Months of fighting with this company, they were finally able to locate the device that never made it to my destination.

Months pass and looking at my credit report there was still a balance unpaid of {$490.00}. I again spent countless hours trying to get ahold of multiple departments each pointing the finger at one another without being able to get any resolution. They are stating that the {$490.00} remaining balance is due to a restocking fee. I  fought and spoke to supervisors on the matter that the machine never made it to my house so why would I have to pay for a restocking fee. They are now refusing to take this charge off and its hurting my credit. I refuse to pay this exaggerated fee of an item that i never received and I cancelled. 

I made attempts to make disputes for each of my credit bureaus and because XXXX / TD Card Services are stating that its a valid charge they can not remove it. This is hurting my credit and I am also getting phone calls. Can someone please help me get this resolved? 

Company : TD Retail Card Services / XXXX XXXX I have an account # and other information to help me fights this.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are consumer whom purchased three vehicles from XXXX XXXX XXXX and financed all three. XXXX wrongly accused us of not paying for the last vehicle. We took XXXX to XXXX  and State Court in XXXX XXXX Georgia. The XXXX XXXX XXXX found a pattern where XXXX received the payments and failed to post them along with not posted those XXXX Bank paid as they received them. The law firm of XXXX and XXXX in State Court decided to file a Voluntary Withdrawal admitting we were not responsible for the debt! We need your assistance with XXXX XXXX XXXX of XXXX. We are being held down with low credit score and fighting this since XX/XX/XXXX. We have a way to buy a home and new careers but XXXX doing this ruins our lives. WE MUST XXXX, being held hostage and using XXXX and Experian has proved to be very difficult and filing complaint after complaint with each bureau with our complaint going unresolved. Each time even though we have their Attorney 's Withdrawal XXXX XXXX of XXXX and XXXX nothing is being done, We sent correspondence to XXXX XXXX an XXXX Analyst whom refuse to give a last name or number. They even tried to hire XXXX XXXX until we sent the Withdrawal from their Counsel. We are needing our credit and our scores not a run around as we have experienced. XXXX is often rude and you get no where when asking for a Supervisor nothing gets resolved. Experian is evasive and tells you they are removing it and never does. We have the proof look it up XXXX filed XX/XX/XXXX by XXXX and XXXX. We really need your help we have work to resolve the biggest problem to get our scores where they need to be. We must work quickly as often time leads to more people such as ourselves. Homeless and needing resolution long over due our family.
Product: Money transfer, virtual currency, or money service

They scammed me out of XXXX dollars for XXXX XXXX on cashapp
Product: Credit reporting or other personal consumer reports

I would like to address issues regarding incorrect personal information that you are reporting on my credit report. These information are erreonous and misleading.
Product: Checking or savings account

{$2000.00} was cashed as a check against my account XXXX XXXX. I bank with chase bank. I called them the same day my the amount showed in my account. I live in XXXX Georgia, and the check was cashed in New York. I informed the bank, and they told me they will credit my account in 3 business days while they investigate the issue. Usually, they are supposed to just call the money back. I showed them proof and i sent them a copy of the check in my account. I didnt issue it. 3 business days passed and i have called and they given me different deadlines. It has been a month now and i have not received my money. I called today XXXX XXXX and they told me i need to wait 30 to 90 business days.