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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately : XXXXXXXX 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 XXXXXXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

My SSN was compromised and as a result someone hacked my Experian member account. I have sent all documentation to prove my identity 2 months ago and have not received and update nor am I able to access my credit report. This individual also opened an Experian smart money account. I have sent several follow up emails with no response and it is nearly impossible to reach someone by phone. If youre lucky enough to somehow get through, they are not helpful and can not provide any information.
Product: Credit reporting or other personal consumer reports

FCRA Section 605C Consumer Submission XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, TransUnion & XXXX URGENT MATTER ( XX/XX/XXXX ) Subject : Urgent Matter - Consumer Submission under FCRA Section 605C Dear Sir/Madam, I am writing to formally challenge fraudulent items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Social Security number is XXXX. I am also a victim of XXXX XXXX, which has further complicated my financial situation and led to the fraudulent accounts listed below. 
I dispute the following accounts as fraudulent and request their immediate removal from my credit report : Unauthorized Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  These accounts violate my federally protected consumer rights under XXXX XXXX. XXXX, including the right to privacy and the right to dispute inaccurate information. If these accounts can not be verified, they must be removed immediately as per FCRA Section 609 & 611. 
Please address this matter urgently. Failure to respond satisfactorily within 30 days may result in legal action. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple communications to Equifax about inaccurate to completely wrong information on my credit report. I have been waiting for several months with absolutely no response and trying to purchase a house. My XXXX score went up 110 points several months ago after the information was fixed but still nothing on Equifax so there is over 100 point difference between the two right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to get XXXX and Transunion to update the following accounts. 


XXXX XXXX XXXX - correct balance {$400.00} on report {$1500.00} XXXX XXXX  credit card - correct balance {$0.00} on report {$270.00} XXXX XXXX credit card -correct balance {$0.00} on report {$470.00} XXXX  XXXX -correct balance {$0.00} on report {$11.00} XXXX XXXX XXXXXXXXcorrect balance {$0.00} or report {$480.00}
Product: Credit reporting or other personal consumer reports

On the XXXX of XX/XX/2023 I sent all three major credit bureaus letters asking them to verify my debt on my report. XXXX and XXXX answered immediately and prompt, Transunion on the other hand actually sent a letter on XXXX of XX/XX/2023 stating that they had no file on me that I would have to send all this information to them so they could identify me. I called the next day and confirmed my identity to them and in fact they did have a file on me and they would send out the verification and credit report immediately. So now TransUnion XXXX and XXXX have sent back copies of my credit report and have also stated in writing that everything is verified correctly. 
As of right now my credit report id showing inaccuracies. 15 USC 1681 S-2 ( A ) ( 1 ) states that a person shall not furnish and information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX I returned an item to Amazon the item was received by Amazon  and per email from Amazon on XXXX of XXXX they issued a refund for {$330.00}. Problem is that this was never posted on my account. I disputed this charge expecting that this issue will be resolved and i would get my money back since the merchant got their item and issued refund my account should be credit for the amount. I sent in 16 pages of paperwork showing the tracking and Amazon saying they recieved item as asked by the company. They denied this dispute now I dont have my item or money. Complete horrible experience as I submitted proof but no one read it and just denied. Not sure what i need to do to get money maybe file a case.
Product: Debt collection

XXXX XXXX XXXX called my sister just now and left a message trying to collect my debt
Product: Credit reporting or other personal consumer reports

I discovered multiple hard inquiries on my credit report that were not made by me
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXXXXXX XXXX XXXX Balance : {$20.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX  ) XXXX Balance : {$1100.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXXXXXX  ; XXXX XXXX ; XXXX XXXX  ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX
Product: Credit card or prepaid card

I booked a hotel room at the XXXX XXXX XXXX XXXX XXXX for XX/XX/2021. I checked in and then left after being in there for a short amount of time ( 1 hour ). I was unhappy with the room and service, so I booked a hotel room at the XXXX XXXX for the same time frame ( see receipt for new hotel room ), and was very happy there. 
I tried calling XXXX support the same day I left, to which they said they would try to get in contact with the hotel. I never heard back, which is why I filed a complaint and chargeback. I saw the claim was rejected after a few months, so I spend money and faxed a letter, more receipts, an explanation and emails. After not hearing back for a month, I called and was told by Chase that because too much time has passed- the claim is no longer able to be reopened. 

As it stand, I feel like I was robbed of {$440.00} minus whatever the charge would be for checking into the hotel for less than two hours. I have since cancelled this specific cards but I still have products with Chase. I am requesting assistance getting reimbursed for the XXXX XXXX XXXX charge on XX/XX/2021 for {$440.00} Thank you for your time and help investigating this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and Experian Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX. XXXX XXXX XXXX Balance : {$79.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX. XXXX XXXX XXXX : {$3000.00} XXXX. XXXX XXXX  XXXX Balance : {$3200.00} XXXX. XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX. XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I was alarmed to see unauthorized accounts on my credit report this morning, with no explanation as to why. I routinely check my report, and this time, I was shocked to find discrepancies. I even refreshed my browser, thinking it might be a technical issue, but the inquiries stayed. Im asking for a careful review of the documents I've sent so I can stop worrying about this.
Product: Mortgage

I was lead here to file a complaint against Caliber home loans. I was approved for {$45000.00} to assist during the pandemic for the XXXXXXXX XXXX  Caliber agent advised me to do a loan modification so that I wouldnt loose my property. They said that even though I was approved for XXXX that all checks were back logged. They stated that even if my account becomes current that they would still apply the {$45000.00} to the principal and that they would not send the check back. Well turns out they lied to me. The check was received in XXXXXXXX XXXX XXXX and XXXX sent it back. They told me I would have to contact the state in order for them to change the instructions in the letter to specifically read, Funds must be applied to principal due to our account being current after the loan modification. You can only get approval once in your lifetime. We were approved but XXXX is refusing to help us during a time we need it most. They refused to give us the necessary number to the state in order to request the letter be changed. I need your help please.
Product: Debt collection

I received a call at approximately XXXX XXXX on XX/XX/2017 from XXXX, company is XXXX XXXX. The person left a voicemail message stated that they needed a statement from me or my legal counsel which was an intimidation message. I called back at approximetly XXXX XXXX and was told that I have a credit card with Old Navy, told me that I owed the balance plus judgement fees. I have never been sued for this card, so I do NOT owe judgment fees. The debt is a time barred debt, over 4 years since last payment in the state of Pennsylvania. so they can not even sue me but the debt collector continued to threaten legal action. I told her that she is in violation of FDCPA laws by continuing with this empty threat. She informed me again of my balance with judgement fees ( with no judgment received????? ) and that she did not know about my state 's laws. I called the following day to ask for something in writing about this debt which I never received ( I have not moved in 10 years ) - I still have not gotten anything. I also asked for their physical address to send a cease and desist and was hung up on 2 times.
Product: Student loan

In XXXX when I entered repayment on my loans with FedLoan Servicing, I filed one application to be placed on income dependent payments. In XXXX I filed my annual recertification, and I was notified that I was approved until XXXX of XXXX. In XXXX of XXXX I was notified that because I had not filed my application for recertification, FedLoan has jumped my payment to the standard repayment amount. The previous and last communication was that I was good until XXXX of XXXX. Now I must to file two identical applications within five months of each other? I do n't understand. Why ca n't FedLoan use the same application? Why was n't I given clear information? Who over-sees FedLoan?
Product: Credit reporting

Dear Credit Reporting Agencies : XXXX has not removed their data from my credit reports yet ... They inserted a false debt that they could not validate and then quickly removed it COMPLETELY so that it was no longer recorded, along with an apology for placing it there. 
Then, ten months later, they reinserted the debt again. When I disputed through the Consumer Financial Protection Bureau, they said that it was 'accidentally ' placed back on and that they will quickly remove it, if I can give them the account number. 
I have provided this debt collector with everything needed in order to remove it completely from my credit reports ... it should n't even be listed under ANY status, as it was never mine. 
I was assured by this debt collector that it would be remove ; however, they are now saying that they will no longer update the credit reporting agencies or contact me any further. This is NOT what needs to be done. This was never my debt and they know that. I was given another alert from my credit monitoring service that it is still on there. It should be completely removed ... not listed as 'closed ' or 'no longer active. ' Please remove XXXX from my credit report, as if it never existed - it was never mind. 
I am attaching a closure letter from this debt collector in hopes that you will completely remove it. I would be very grateful if you could take care of this once and for all. I have a very long history of corresponding with this company, as it seems they keep trying to change the status, after already admitting that it was never mine and completely removing it. 
Please help me put this to rest. This is not my bill and never was. Please completely remove it. 
Thank you, XXXX
Product: Bank account or service

XXXX Re your inquiry for more information, i have been unable to contact you by telephone as i get a constant engaged tone! i have been trying since XXXX GMT i believe the time there will be around XXXX, if there is any thing you wish to know about my problem with the Bank of America i have email correspondence, if you can please tell what information you need by email my email address is the same as i have on the complaint if you would rather speak to me direct send me a contact number so i can call you back XXXX the last complaint about paying the reboot costs has a date for completion this is the XX/XX/2017 it is then if i can not find the final amount {$300.00} my funds will be confiscated the funds are at a rough guess about XXXX, i have no problem paying the reboot costs as there is plenty of money held in my account in the Bank of America on its not here in the XXXX, as i am in deep debt trying to pay all the costs needed all these are completed but i still can not transfer any funds my account manager XXXX has pleaded with the directors about my hardship yet they are holding on to my funds, this would not happen in the XXXX we have laws and rules that apply to all banks with in the XXXX, the treatment of bank customers are in front of any needs of the bank, yet to me the Bank of America have their own agenda to upset and take money that is not theirs to take and the treatment given to some one like me is in my case terrible and that telling you with out swearing!! so like i have said any thing you wish to know i will reply tho i hope its be email by the persons dealing with my complaint,, thank you for contacting me XXXX
Product: Credit card

My Payment Due date for my Capital One Credit Card is on the XXXX of the month. I'm never late and always pay my bill on time each month. I pay be telephone this month at XXXX XXXX XXXX XXXX XXXX I always contact Capital One the next day and they remove the Late Charge fee that the computer puts on. I talked with XXXX different people in XXXX countries until finally getting an XXXX Supervisor in which she informed me that payment are due by XXXX XXXX XXXX XXXX XXXX I told her that I paid at XXXX XXXX XXXX XXXX and she was unapologetic about the Late Fee and that they couldn't remove the Late Fee of {$40.00}. I'm a senior on a fixed income and never miss a payment I would like the Late Fee Removed ASAP. 
Thank you.
Product: Credit reporting

I have XXXX accounts that are reporting on my trans union report that are not mine XXXX XXXX infinity XXXX XXXX accounts are not mine have them removed from my report
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX XXXX and I am writing to dispute inaccurate and unauthorized information on my credit report, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I did not authorize XXXX, TransUnion, or XXXX to include the following accounts on my report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The open dates XXXX dates of last activity, and other details for these accounts are incorrect. Under 15 USC 1681i ( 5 ), credit reporting agencies must modify any inaccurate or unverifiable information on a consumer 's report. 
Furthermore, including these accounts without my consent violates : - 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization - 15 USC 1681c ( a ) ( 5 ), which limits reporting adverse information over 7 years old - 15 USC 1681s-2 ( a ) ( 1 ), which prohibits furnishing known inaccurate information Additionally, repeatedly contacting me about these alleged debts at my place of employment violates 15 USC 1692c , which prohibits communication at an inconvenient time or place. Contacting my family members about these debts violates 15 USC 805 ( b ), which prohibits communication with third parties.

I request that you immediately delete these unauthorized accounts from my credit report to ensure accuracy and compliance with the FCRA. Please provide me with an updated report reflecting this correction. Accurate credit information is essential for me to obtain credit and employment, and I appreciate your prompt assistance in resolving this dispute.
Product: Credit card or prepaid card

This is an ongoing dispute with Capital One. I know my rights and you are trying to over charge a payment plan. What I would like for Capital one to do is to honor what was stated over the phone or lower the payment to a reasonable payment plan.. Their employee said XXXX dollar payment, I asked for a clarification that this was a XXXX dollar monthly payment and I was told yes, then she took the payment, then I asked again and was told no this was just a payment towards the bill. If I am correct if a bill is XXXX, XXXX  dollars you can not charge more than XXXX dollar payment. This is a law and Capital one is breaking that law by making a charge for XXXX dollars. if my bill was XXXX to XXXX dollars I can see a XXXX dollar payment. Calling you customer service to discuss a payment plan has not worked, if you were willing to work with me, then you would have done that the first time I called in. Now that I have involved the CFPB, now you want to discuss a payment if I call capital one. What I want is your capital one to lower my payment from XXXX dollars to a manageable. On my other card I have from you, my payment is XXXX dollars, so you can lower the payment, you are just refusing to do so. I will keep filing my complaint until you agree to a reasonable payment plan. 

Thank You
Product: Credit reporting or other personal consumer reports

I've asked TransUnion to please provide me with evidence of the investigation that they so called did. It's been months & month & months. All I'm asking is for these inquiries be removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a wire transfer was made from my checking account in the amount of {$1000.00} the transfer reference # XXXX plus XXXX charge fee using XXXX XXXX  XXXX to Wells Fargo Bank account holder the wire transfer at my request I had a swift recall by my bank the same day it was sent that charged me another additonal XXXX to cancell the entire money transfer transaction. On XXXX XXXX I still had not received my money back. I inquired with the XXXX XXXX XXXXXXXX to see why my money was not returned So an agent from XXXX called the wire department and said that Wells Fargo told Him that the XXXX refused to refund my money, I ask XXXX rep who is the XXXX they said they did not know even though they had all the necessary information to find out who it was. I went back to the bank again the following day to request my refund this was my XXXX attempt, the same procedure they called the wire department and Wells Fargo replied the same thing that the XXXX refused to return or reimburse the funds, at this point I was very upset with my Bank XXXX for not being able to get my money back and Wells Fargo for denying the XXXX XXXX that was conducted originally on/or XX/XX/XXXX. I did research of my own and found out that XXXX XXXX XXXX of the XXXX had my money so I called them for a total refund they agreed to send back the money. so on XX/XX/XXXX I received a wire transfer and the amount deposited in my account was only {$980.00} a XXXX shortage unlawfully taken, Where by I am requesting the full amount owed, I have spent multiple hours of my time to get a refund I should have received without any form of complication but because Wells Fargo was involved unecessary complications and intentional negligence came into existence, THIS IS A FORM OF FRAUD AND SHOULD BE CONFRONTED AND RESOLVED. It is unfortunate that Banks can not be trusted with your money
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not delete the inaccurate address from my credit report. On XX/XX/2021, I disputed an inaccurate address on my credit report, they updated the inaccurate address with another inaccurate address.