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

XXXX account # XXXX {$12000.00} the creditor said they would not report any negative payment to the bureaus for 6 months because I called prior to advise them my income had changed significantly due to covid. I  even asked the representative if there was anything I needed to sign and she said no that she would enter all information into the system. 


When Federal Law Prohibits Negative Credit Reporting The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances.

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered account that does not belong to me and is a result of identity theft. These fraudulent account has already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and has been removed it from their records. Despite this, the account remain on my credit report with your bureau. The presence of these fraudulent account negatively impacts my credit history and could have serious consequences for my financial future. I request that you promptly investigate this matter and remove the fraudulent account from my credit report. 

XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On [ dates of transactions ], I initiated a series of transactions totaling {$2400.00} with a merchant named XXXX or XXXX, believing I was making legitimate investments. The merchant misrepresented their services, promising returns and investment opportunities that were never delivered. After realizing I had been deceived, I contacted First Tech Federal Credit Union on [ date you filed your dispute ] to dispute the charges and report the fraud. 

The specific disputed transactions are as follows : XX/XX/year> {$550.00} XX/XX/year> {$110.00} XX/XX/year> {$110.00} and {$760.00} XX/XX/year> {$750.00} XX/XX/year> {$120.00} XX/XX/year> {$20.00} First Tech initially issued me a provisional credit but later reversed it, claiming these were authorized transactions and not fraudulent. While I did authorize the transactions, they were initiated under fraudulent misrepresentation. The merchant failed to provide the promised services, and I received nothing in return for my payments, which constitutes fraud under the Electronic Fund Transfer Act ( EFTA ).

I have taken the following actions : 1. Filed a police report documenting the fraudulent activity.

2. Reported the merchant to the FTC for deceptive practices.

3. Provided evidence to First Tech, including screenshots and communications demonstrating the merchants misrepresentation.

Despite this, First Tech has closed my dispute, classifying it as a merchant issue rather than fraud, and is now requesting I repay the provisional credit. I believe this violates my consumer protections under Regulation E of the EFTA, which holds banks responsible for protecting customers from fraudulent transactions, even if technically authorized, when they were induced through misrepresentation.

What I Request : I am requesting that First Tech Federal Credit Union : 1. Reopen my dispute and classify these transactions as fraud based on the merchants deception.

2. Provide a clear investigation report, including communications with the merchant.

3. Restore the provisional credit for these fraudulent charges.

This situation has caused significant financial hardship, and I am seeking the CFPBs assistance in ensuring that my consumer rights are upheld.
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. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Mortgage

Failure to protect my personal information, putting me at risk of credit and identity theft for the rest of my life. I have been very careful with my personal information otherwise and shouldn't be punished with the looming threat of identity/credit theft for their lack of security.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and misleading information on my TransUnion credit report as provided under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623, which require consumer reporting agencies to ensure the accuracy and verifiability of the information they provide. 

The specific item I am disputing is : [ Account Name/Number or Public Record Information ] : [ Describe the error, e.g., This bankruptcy filing is inaccurately reported or unverifiable. ] Upon investigation, I have confirmed that XXXX XXXX XXXX XXXX, a consumer data aggregator, does not report bankruptcy filings directly to any credit bureaus. This fact is widely established and demonstrates that any public record information purportedly originating from XXXX must be independently verified by TransUnion for compliance with FCRA requirements. 

Your reliance on XXXX or any similar data aggregator as the sole source of bankruptcy information is insufficient under FCRA Section 607 ( b ), which mandates that credit reporting agencies maintain " maximum possible accuracy '' in the data they report. It is your legal responsibility to verify the accuracy of this information directly with the original public record source ( e.g., the court where the bankruptcy was filed ) before including it in my credit file.
Product: Debt collection

I did not have a signed contract or any contract with Enhanced Recovery Company , LLC. I have never done business with this company. I am not responsible for this debt from Enhanced a Recovery Company, LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Debt collection

This phone number calls my work phone several times a day, early in the morning and late at night. If I pick up no body talks, it is suppose to be a debt collecting agency and I do n't understand how they can be calling to collect a debt if the phone number is associated with a corporate account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX, Reported : XXXX XXXX, XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/XXXX SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Product: Payday loan, title loan, or personal loan

DURING COVID MY XXXX XXXX BUSINESS TOOK A SLIGHT HIT. SO I APPLIED FOR A PPP LOAN THRU BBVA BANK. ALL WENT SMOOTH AND APPROVED AND FUNDED. THAT BEING SAID BBVA BANK GOT BOUGHT OUT BY PNC BANK DURING THAT TIME FRAME. WHILE HAVING MY PPP LOAN AT BBVA BANK THE LOAN OFFICER TOOK MY FORGIVENESS LOAN APP AND SAID NO WORRIES ALL TAKEN CARED. NOW WITH PNC BANK TOOK OWNERSHIP NOW THEY ARE TRYING TO COLLECT THE PPP LOAN THAT WAS FORGIVING WHEN IT WAS BBVA BANK. PNC BANK IS SAYING THE LOAN OFFICER IS NO LONGER HERE WHO TOOK THE LOAN FORGIVENESS AND SUPPOSEDLY HE DROP THE BALL AND NEVER SUBMITTED THE PAPERWORK. HOW IS THAT MY FAULT? 

I HAVE ATTACHED ALL THE DOCS I HAVE GOTTEN FROM BBVA AND PNC BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was dispute due to inaccurate information provided by a representative and a failure to apply a forbearance in XX/XX/2023. It was forward to their consumer advocate depart and determined it was an error on XXXX. The error was corrected on my credit report and I was sent a letter advising the investigation and reporting correction. It was updated as of XX/XX/2023 and reported 90 days past due again on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a second complaint against the credit bureaus. They said in the first complaint my disputes were not specific and they were not going to investigate anything. 

I just uploaded the letters of dispute I sent them months ago. Is that specific enough for them? Furthermore, that response of theirs does not address the fact that they have failed to do their job for over three months. At this point I am fed up. Starting an investigation at this point does not suffice. If they do not delete the accounts I disputed from my credit report or correct them, I will be forced to sue them. What kind of hoops are they having me jump through just to get them to do something they are supposed to be doing already. This is costing me in terms of time, money, credit denials, missed opportunities, frustration, and much more. This will be the last time XXXX attempt tp have the credit bureaus do their job before I go to court with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I contacted XXXX and started a dispute to correct my personal information. I also started a dispute regarding incorrect information being reported on my consumer file. It is now XXXX and none of the request to remove the incorrect information has been corrected. In fact after speaking to a representative I was told that the information I disputed was certified as correct. I will attach copies of my report prior to the dispute, an updated report according to XXXX and my current report I just pulled a few days ago. You will see that the report came back as updated and certified however the information remains the same with no updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found several address and numbers that do not belong to me on my credit file. I am looking to start my own company soon and I need my personal information to reflect the correct and accurate data. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX please delete the following cellphone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting

I am protesting credit scoring in our financial system. I choose not to have a current credit card, but I have had several mortgages and other types of loans. I have always made payments on time, and I have paid all of my loans in full. I have never declared bankruptcy or had any type of collections or delinquencies. Inquiries about my credit score have only been done when I was securing a loan or a mortgage. I have worked for the same company for 29 years. Even with this perfect credit history, my scores are XXXX, XXXX, & XXXX. The mortgage companies are now requiring a score of XXXX to obtain the best rates. I barely qualify. This practice is unjust. The factors used actually encourage indebtedness. 

My wife has higher credit scores, but she has never worked full-time. Her scores are based on mortgages and loans which her ex-husband paid. She has a credit card, but I pay the balance every month. Fortunately, her credit score helps me, but the whole system is a sham. It needs to be revised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XXXX XXXX XXXX After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was COLLECTION account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Every one of these accounts and transactions Im disputing were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. After getting out of the XXXX from a XXXX  XXXX scare then seeing all these fraudulent accounts on my credit has increased my XXXX level tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Experian report and discovered there are inquiries reports with companies that I do not have an open account with, nor have I initiated any transaction with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX, DPT EDXXXX, XXXX XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX my payoff amount on a {$500.00} loan was {$260.00}, I was paying {$48.00} a month. I was told if I paid off the loan with my debit card I could re-loan. I asked if I would be able to barrow more once the loan was paid off and I was told I would find out when I paid it off. OnXX/XX/XXXX I  paid off the loan with my debit card and when I went to re-loan I was told I could get up to {$900.00} and I could pay it off in 12 months at {$88.00} a month. After answering some questions about income which were the same questions I had answered in the past to get the {$500.00} loan I was denied the loan and was told I could ask for a loan on XX/XX/XXXX. At no time was I given the option to barrow a lesser amount. I called XXXX and spoke to a XXXX  and explained what had happened and I was basically told there was nothing they could do to over ride my payment to get a refund or barrow a lesser amount. Both my wife and I are both XXXX, my wife gets paid on the XXXX  of the month and I get paid on the XXXX Wed of the month. This has caused a financial hardship and cause us to lose close to {$400.00} in over draft fees which has caused us to not pay bills or buy my medication. Had I known I was not going to get the loan I would have never paid it off. I filed a complaint with my bank and as of today XX/XX/XXXX there has been no resolution.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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

I disputed this account and asked for it to be verified and validated. I never received any proof of anything from credit bureau nor finance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I sent a letter to TransUnion, LLC and to XXXX XXXX XXXX demanding the following information from both companies : 1. Original, signed contract and/or promissory note with my signature ; 2. Copies of documented proof that XXXX XXXX XXXX is lawfully entitled to conduct the business of debt collection in the State of Alabama fromXX/XX/XXXXXX/XX/XXXX to present ; 3. The entire account number of the alleged delinquent account ; 4. Proof of documentation used to support the statement " meets FCRA requirements '' as stated on my credit report ; 5. The name ( s ) of the person ( s ) who authorized to place " meets FCRA requirements '' on my credit report ; 6. Documentation used to support their validation and verification of the alleged account ; 7. Name ( s ) and telephone number ( s ) of the person ( s ) in their company who had 1st hand personal knowledge who was to verify and validate the alleged account.

The only response I have received as of XX/XX/XXXX was from XXXX XXXX XXXX with an attached copy of an invoice/bill which lacked any signatures of whatsoever nature. No signed contract and/or promissory note was included nor any other demands from the aforementioned list. The alleged delinquent account still remains on my credit report. This is in clear violation of the Federal Credit Reporting Act.

I have documention letters but I am unable to attach it. I can forward to an email if you should provide one.
Product: Checking or savings account

On XX/XX/2023 I received a text notification that my account was below the limit I had set. I immediately went online to check my account and became aware that there had been an unauthorized withdrawal of {$2000.00} from my checking and {$900.00} from my savings account. I immediately contacted the fraud department of Wells Fargo and they told me they would freeze the account. On XXXX XXXX XXXX  I went to a Wells Fargo agency and filed a written complaint as per instructions of the person I had spoken with the night before. A few days later, the {$900.00} that had been withdrawn from my savings account were redeposited to my new savings account. Since on my visit to the Wells Fargo branch they close my existing account and open both a new checking and a savings account. But about two weeks later, they declined my claim of the {$2000.00} on the checking account.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as such, I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The following accounts have been fraudulently added to my credit file : ACCOUNTS : XX/XX/XXXX - XXXX - XX/XX/XXXX - {$13000.00} XX/XX/XXXXXXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX XX/XX/XXXXXXXX - XXXX - XX/XX/XXXX - {$4100.00} XX/XX/XXXX - XXXX - XX/XX/XXXX - {$1600.00} Additionally, the following inquiry appears on my credit file, which I did not authorize : INQUIRIES :XX/XX/XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

I had received an in mail preapproved offer to apply for Citizens credit card. Offer was to spend {$500.00} after the approval and I would receive {$200.00} back. 

As directed in the offer, I used the invitation code to apply for the credit card and was approved in XX/XX/2023. I also satisfied the offer terms to spend {$500.00} within a month or so. It is XXXX now and I still haven't received my bonus of {$200.00}. 

Upon contacting the bank in regards to this issue, the representative told me that " They are able to see my application approved in XXXX and cross referencing they only had active offer which offers {$150.00} bonus. 

They confirmed that {$150.00} bonus will be applied to my account now and it may take from XXXX weeks to up to XXXX weeks for it to reflect on my account. 

This whole offer is like a fishing scheme as if I didn't contact the bank then they wouldn't be taking any proactive action to apply bonus to my account. In addition, now I am offered {$50.00} less than what was communicated to me during the in mail promotion.