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

On XX/XX/2022 there are XXXX inquiries from XXXX seperate companies on the same day XXXX XXXX  XXXX XXXX XXXX XXXX I reached out to the dishonest company transunion where the info only posted and they are giving me the run around and claimed they did a investigation but gave me no proof. There still dishonest after the government says that they will be help responsible for targeting certain group of people
Product: Credit reporting or other personal consumer reports

Hello Sir/Madam, I recently viewed my credit report and noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXX XXXX XXXX in XX/XX/XXXX XXXX I have contacted XXXXXXXX XXXX XXXX by phone, and they told me to dispute this with all 3 credit bureau reporting agencies. This account has always been paid on time and has never been late since XX/XX/XXXX, and have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. Therefore, I am now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully I look forward to your immediate action.
Product: Credit reporting or other personal consumer reports

For the last 90 days I have been repeatedly disputing these illegal/fraudulent accounts that was obtained without my knowledge and consent via TransUnion, XXXX, and XXXX. I have always lived at XXXX XXXX XXXX XXXX XXXX  Someone illegally obtained my information and opened fraudulent accounts and used apartment number XXXX XXXXXXXX which I have NEVER lived in that apartment unit. 

With the help of a friend I was able to identify what accounts were illegal in my name. Currently I Have 1 inquiry on XXXX, and I have 0 inquiries on TransUnion and XXXX as I am able to lock/freeze my report now. 

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 Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 


XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX The three following accounts is totally illegal/fraudulent! It should have never been opened in my name. Please remove the three following accounts from my credit report. It's hampering and messing with funding for my new business that I just launched as well as a future mortagage. These Accounts are illegal! I've been fighting this for the last 90 days please help. These accounts are not mine and I am going to continue repeatedly to dispute until these negative/fraudulent/illegal items are removed off my credit report ( transunion, XXXX, XXXX ) XXXXILLEGAL/FRAUDULENT CREDIT CARDSXXXX XXXXTransunion, XXXX, XXXX XXXX XXXX XXXX  Balance {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXX XXXX  XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX All three of these illegal accounts were opened within a 30 day time period which I had NO KNOWLEDGE! ABSOLUTELY NOTHING! I have done my homework these accounts are illegal and holding me. Please remove these 3 items off all 3 bureaus as soon as possible. Thank you! Its not fair these are not my accounts!! Its already hard enough in XXXX  as it is but for someone to illegally obtain stuff in your name without a consent is beyond ridiculous. I am not responsible for anything thats fraudulent XXXXILLEGAL/FRAUDULENT CREDIT CARDSXXXX XXXXTransunion, XXXX, XXXX** Please this has been a very tedious process! I have a new company opened I am very VERY responsible. I am being held back with these illegal accounts!!!!!!! 

XXXX Assigned : XXXX Legal Name : XXXX XXXX XXXX XXXX My company above which is in my name is behind held up for funding because of illegal items on my report. Please help! 

XX/XX/XXXX
Product: Debt collection

I received a letter dated XX/XX/XXXX  from The Receivable Management Services Corporation indicating that   XXXX   XXXX   XXXX   had placed a request for payment of {$200.00}. They asked that I submit payment to Receivable Management Services Corporation at   XXXX   XXXX   XXXX  ,  XXXX , OH  XXXX . The letter stated that " When you provide a check as payment, you authorize us to either use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. For inquiries, please call the number at the top of this notice. '' The number listed was   XXXX  . They also indicated that I could pay by phone at   XXXX   or go to http : //www.rmsna.com/payrms : user id =  XXXX  & password =  XXXX . The letter indicated that the claim number was  XXXX  and the reference number was  XXXX . An attachment to the letter indicated that the detail number was  XXXX - and the service date was  XX/XX/XXXX . the letter is attached.
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In the summer of  XXXX , I booked a flight to   XXXX   XXXX    through  XXXX . I purchased travel insurance in case I was not able to go on the flight. I was not able to go. I understood from   XXXX   that the ticket could be reused within the year for a domestic flight provided the differential was paid between the two flights. Later that year, I went to   XXXX   XXXX  . The difference in cost was {$37.00} which was paid. I have received three phone calls from people who identify themselves alternately as  XXXX  or Receivable Management Services Corporation (  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX  ; all in  XXXX  ). Twice the call came from   XXXX   XXXX   XXXX   XXXX   ; once the call came from   XXXX   XXXX   XXXX   XXXX  . The speaker on all of the calls sounded like he was   XXXX   or  XXXX . I eventually hung up on the calls.
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I did not believe that I owed  XXXX  {$200.00}, but I called them to confirm. They sent me an email confirming that I do not owe {$200.00}. The people with whom I spoke sounded like they were at a call center, but I was supposedly speaking with a supervisor. The email is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company in regards to the unauthorized inquiries. 
I have filed a police report and submitted a dispute with no results I would like these inquiries removed immediately because they are unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that all accounts associated with my information be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The accounts in question are as follows : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$70.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$100.00} XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$790.00} Inquiries : XXXX XXXX TO Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX
Product: Credit card or prepaid card

We've had our First Hawaiian Bank credit card for at least 3 years now and their system has always processed the online payments the same way. For example, the due date is on the XXXX of every month and when I go online to make the payment on that day, they don't reflect the payment being made on time but instead, the payment is applied when they receive the funds. As a result, their system would charge me a late fee and an interest on the purchases but they would also AUTOMATICALLY REVERSE these charges. They've done this for the past 3 years and I always thought that it was a glitch in their system as they're the only bank I know that doesn't reflect the date the online payment was made. 

The problem started about 2 months ago when they stopped reversing these charges. Again, my payment was always made or scheduled on time - by the XXXX or XXXX of each month. Once I saw that these fees were not reversed, I contacted them and asked that they do the same thing. I was told that they would as a one-time courtesy but future payments would reflect a late fee unless they receive the funds by the XXXX. In essence, XXXX states that the due date is on the XXXX but in reality, the consumer has to make the payment XXXX business days in advance to avoid the late fees and interests. 

I pointed out that they're the only bank that does this as every financial institution that I deal with - XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, even the XXXX and XXXX XXXX XXXX cards, show the date that the payment was made online. 

I received a standard " thank you for your email ... payments are reflected when the funds are received ... '' reply. I asked why but they kept repeating the same answer. 

I asked my friends and family around and they have the same experience. A few of them just paid the fees without question and I feel that that's a deceptive way of doing business. 

This needs to be changed as soon as possible.
Product: Credit reporting or other personal consumer reports

I would to file a complaint against Equifax Credit Reporting Agency. I have previously file a complaint with CFPB because Equifax fails to properly conduct an investigation. I requested a proper investigation due to inaccurate and incomplete error on my credit report. Last complaint with the CFPB # XXXX regarding the same account XXXX XXXX XXXX .

I asked that Equifax remove the XXXX XXXX XXXX  account from my credit report due to inaccuracies but instead they have verified it as accurate and modified such as : closed date, date of first delinquency, and date of last payment which is historical account information. This is a violation and I would like to initiate arbitration at this point.

On the credit report from XX/XX/XXXX Equifax has reported that the XXXX XXXX XXXX  account was reporting this information : XXXX XXXX XXXX No Data Available XX/XX/XXXX Paid On Time XX/XX/XXXX No Data Available XXXX XXXX 60 Days Lates These are the inaccuracies that I had disputed and therefore requested that this account be removed but instead Equifax has verified this as accurate and modified this account information. 

On the credit report from XX/XX/XXXX Equifax reported that the XXXX XXXX XXXX Account was reporting this information : XX/XX/XXXX Thirty Days Late XX/XX/XXXX Sixty Days Late XX/XX/XXXX Ninety Days Late XX/XX/XXXX. One Hundred Twenty days late. Also modified historical account information such as Closed Date, Date of 1st Delinquency, and Date Of Last Payment.

Equifax has violated the FCRA, by failing to properly conduct investigations. I have disputed this account for multiple inaccuracies, I have asked for this account to be removed. Equifax is continues to display willful noncompliance and because of this I would like to file a civil lawsuit for failing to properly investigate consumer disputes. I would like to have this removed from my credit profile and possibly settle this civil liability outside of the courts as this has caused tremendous damage and harm to me.

Please I need CFPB I need you to hold Equifax accountable for their part in my inaccurate credit report. I will upload supporting documentation to this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, i am just learning how to review my credit report AND upon checking it i see 2 unauthorized accounts that I need deleted immediately. i lost my wallet a while back and now i check my credit report and i see this. 

the accounts are as stated below. 

XXXX ACCOUNT # XXXX BANK XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Florida XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Money transfer, virtual currency, or money service

I have a trust fund account that the government has been using it to create abbrtrations that I have not authorized my name has been used to create business accounts without my validation I have been denied access to these accounts to provide stability in my life I have been harassed electronically physically and mentally they have created unverified accounts using XXXX XXXX hacking my emails and using my name credit info to create LLC to gain access to these funds
Product: Credit reporting or other personal consumer reports

These inquires showed up on my credit report that i do not recognize. 
XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, 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 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 XXXXXXXX. NONE OF THESE ARE SUPPOSED TO BE ON MY REPORT NORE DID THEY HAVE MY WRITTEN PREMISSION
Product: Checking or savings account

I attempted to close a Citibank checking account it had high fees, I never received a debit card despite my request, and their website 's interface to request a new debit card doesn't work. 

Upon requesting to close my account, I was told I needed a debit card to close it, which I never received. However, my request to a customer service agent to get a new debit card was declined. I was told I need to go to a Citibank branch, which does not exist in my state. 

As such, Citi is requiring me to keep my account open without a debit card, presumably racking up fees in the process. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, Trans Union, and XXXX is governed by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. 

Accounts are listed below XXXX XXXXXXXX acct # XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX  acct # XXXX XXXX acc # XXXX XXXXXXXX XXXX  acc # XXXX
Product: Student loan

A supervisor is never available and when you request a call back, your call is not returned. They still owe me a refund from PSLF. They have not updated credit reporting and my loans were forgiven XXXX XXXX XXXX
Product: Prepaid card

I was gifted a {$100.00} gift card, from Amexgiftcard.com Ive tried using the gift card at numerous retailers, such as XXXX, XXXX, XXXX and even tried to add it to my XXXX account to send money. None of these worked and the payment is declined. 

I attempted to load {$50.00} on my XXXX account on XX/XX/XXXX - payment was declined. 
I attempted to load it in my XXXX on XX/XX/XXXX - the transaction was {$97.00} and change ( was trying to account for 3 % transaction fee ) - didnt work. 
The XXXX transaction I attempted was {$55.00} on XX/XX/XXXX. 
After that didnt work, I attempted a XXXX XXXX for {$59.00} on XX/XX/XXXX. 

The Amex website has a Help section with only a bunch of FAQs and a phone number. Ive called the number and request to be connected with a customer service agent and am put on hold indefinitely, never able to connect with anyone. 

This seems like a complete scam. I can see that the website tracks the transactions Ive tried to make because Ive seen the balance go down by about {$0.00} to account for the transaction fee from, say, XXXX. After several business days the balance returns to the full {$100.00} because the retailer rejected the payment method.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Guarantee Rate : Regarding Loan # XXXX I called your customer service department on XX/XX/XXXX and spoke with customer service rep XXXX, who recommend me sending a e-mail response. She also put in a request to review this matter. 

I am writing to ask you to removed the credit delinquency hit on my credit score for the month of XX/XX/XXXX. 

In XX/XX/XXXX, I was no longer safe in my home on XXXX XXXX XXXX XXXX XXXX MN XXXX because of my husband XXXX  use disorder. I contacted law enforcement to have him removed from the home, but since we were married they could not assist me. He refused to leave the home and refused to pay the mortgage. I immediately filed for a divorce, and I had no other choice but to leave the property and move into a rental because I had no family to stay with. I am XXXX generation only child and all of my immediate family is deceased. 

I kept you informed of this situation as much as possible. I was granted a divorce by XXXX XXXX Courts on XX/XX/XXXX and quickly put house for sale. 

The house was sold on XX/XX/XXXX where you received full loan payment, and we avoided a foreclosure proceedings. Because of this situation my credit score has take significant hit, making it impossible for me to be pre-approved for another mortgage and forcing me to live in a sub-standard apartment. 

I am asking sincerely for you to remove the credit delinquency hit on my credit score for the month of XX/XX/XXXX, since you received complete payoff of the loan on XX/XX/XXXX. 

I have attached for your records a copy of the satisfaction of pay off of loan you sent me for your reference. 

These XXXX missed mortgage payment is the only thing on my credit report preventing me from being able to buy another home, and prior to this situation I had excellent credit history. 

Please let me know if you would like to see any additional information regarding my divorce proceeding and the timing of this situation. 

I am hoping we can work out a solution quickly that can improve my credit score immediately. 

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

To Whom It May Concern : The following list of accounts has infringed upon my federally protected consumer rights to privacy and confidentiality, as stated in accordance with 15 USC 1681. These accounts, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. On XX/XX/year>, I reviewed my XXXX credit report and discovered various instances of incomplete and inaccurate information. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it is obligated to employ appropriate measures in ensuring the highest possible level of accuracy regarding the individual in question, as outlined within 15 USC 1681 ( e ) ( b ). Accordance with 15 USC 1681 ( 5 ), the treatment of inaccurate or unverifiable information is encompassed as follows : ( A ) Following any reinvestigation under paragraph ( 1 ) pertaining to any information disputed by a consumer, should it be determined that an item of information is inaccurate, incomplete, or can not be verified, the consumer reporting agency shall take prompt action, either by deleting said information from the consumer 's file or modifying it as deemed appropriate based on the outcome of the reinvestigation. In addition, the consumer reporting agency shall notify the furnisher of said information in a timely manner, informing them of any modifications or deletions made from the consumer 's file. Furthermore, in accordance with 15 USC 1681s-2, it is the responsibility of the consumer reporting agency to stop from furnishing any information related to a consumer to any consumer reporting agency if the person possesses knowledge or reasonable cause to believe that said information is inaccurate. '' XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was checking my consumer report and I saw a bunch of credit inquires that I did not recognize. 
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