23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2021 I loaded {$300.00} onto my card. I went to the gas station and used {$40.00} for gas. I went to pick up my son and get something to eat. As I tried to purchase food my card was declined. I called the bank and they told me I would have to wait until after the holidays so they can see what was posted. Three separate transactions ranging from {$30.00}, {$150.00}, and {$200.00} were charged and overdrawn my account. All start with XXXX XXXX XXXX. The bank told me it was sporting event tickets. I dont go anywhere. I didn't make these purchases and I want my money back. I can't pay some of my bills because some XXXX decided to mess with my money. I have screenshots of said withdrawals.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor ha
ve I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX  XXXX
Product: Debt collection

on XX/XX/2014 purchased car with spouse car was returned volunarly. which still was a repossession.reported as of XX/XX/XXXX as closed at a XXXX balane activity transfer or sold.i contacted the dealer, was told the car was sold.no information was given.this account is closed,
Product: Checking or savings account

On XX/XX/year>, I was in XXXX and paid someone with a credit card machine at the beach to rent a car in XXXX ( across the water ). I paid {$110.00} and never received these goods and services. When I went over to the car rental place, I had a voucher which upon presenting to the car rental place was told it was not good. I called the phone number on the back and spoke to the owner who told me her book was stolen and that her company does not rent cars, only does tours. 

I did not receive goods or services, and Paypal has denied my dispute where I used my card, which is governed under XXXX rules and LAWS that entitle me to these funds back. Please deposit these funds back into my account without any further delay or hindrance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue with opening my account with XXXX. Created a CFPB complaint and come to know that it was due to Chase. As per XXXX XXXX XXXX response : When an account is opened online, a third party vendor is used to authenticate applicants. I found at the time you applied, your profile with the vendor had been suspended, which caused an automatic decline. 
The suspension was placed in 2008 by Chase Bank, however, weve reviewed and were able to unsuspended the profile. You can now apply online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a secured Discover Card in XXXX that became overdue, then was closed due to personal and financial problems I was having a few months after obtaining the card. The account was sold to a collection agency. 

Now, some 3 years later I have paid off every dollar and cent related to the account to the collection agency listed below. The problem is the account still shows on my credit reports as closed/derogatory, even though I paid it in full. 

I have written debt forgiveness letters to Discover and mailed them by USPS delivery confirmation mail to Discover, never to hear a word/response. I simply want the account TOTALLY DELETED from all my credit, or instead of showing as derogatory/ closed, they can show it as paid in full, because it has been. 

Again the card issuer was Discover however the Collection Agency was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX at Phone number XXXX They sent me a letter saying the Discover account was paid in full as of XX/XX/XXXX with their reference number XXXX. 

I desperately ask this negative be completely deleted-removed, or reworded to show paid in full. I am trying very hard to obtain my first ever Federal Rural Housing Loan and my XXXX  scores are close, but due to this negative, they are not close enough. This one negative from Discover is killing my chances of getting the loan. If I still owed Discover money I could understand the bad wording on my credit report, but I do not owe Discover a cent so they should delete this for me at the least, or change the wording to PAID AS AGREED. 

Sincerely, XXXX XXXX XXXX I anxiously await your influence,
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 correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX  Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$150.00}
Product: Checking or savings account

I wired all my money on XX/XX/23 to another bank in order to close my account and wire is still pending more than 48 hours later. I called citibank multiple times trying to resolve the issue and didn't get anywhere with them, they keep saying I have to wait, is this legal to hold my money this long?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I have a utility balance of {$1500.00}. on my report from Bull City Financial. My request is to please remove/delete the balance because its paid according to the company XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment history should not have any payments showing late which was not late .Deferred payments should not be affecting my scores. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately.I had XXXX late payments on an account that was in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.This acct has not been late on payments.I 've attached a copy of my report to this complaint on the following dates ( XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Bank refuses to submit confirmation of loan payoff to the Credit Reporting Agency. On XX/XX/XXXX my loan was paid off in full. On XX/XX/XXXX, I received a letter from Wells Fargo declining my request for a secured credit card with Wells Fargo. The decision was based on " accounts with Wells Fargo were not paid as agreed ( we look for a history of on-time payments ) ''. After contacting the call center bankers, no one was able to explain what accounts are in reference, what needs to be submitted to correct the information, and who can provide an assistance. The only loan account I had with Wells Fargo was paid in full. Wells Fargo bank refused to submit the confirmation of account payoff to Credit Reporting Agencies which damaged my credit history and my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACCOUNT FROM  XXXX   XXXX   XXXX   XXXX  SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT. I HAVE CONTACTED EXPERIAN IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT.
Product: Debt collection

I have attached a copy of the Consumer Financial Protection Bureau order of XX/XX/2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the XX/XX/2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX  and XXXX XXXX respectfully. Since the XX/XX/2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXXXXXX Balance : {$4800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021
Product: Money transfer, virtual currency, or money service

I sent a wire transfer over on XX/XX/XXXX to Chicago title  to purchase a house. XXXX XXXX the real estate agent and she works for XXXX XXXX. XX/XX/XXXX ( day before ) I ( Me ) purchase a cashier 's check & XX/XX/XXXX XXXX said the title company was in XXXX. Everywhere in XXXX aren't they the same company. Yes but Chicago title XXXX is different. XXXX would have to mail it like she did the {$10000.00} down payment I gave her in a cashier 's check for the deposit. If I would have been given more notice I could have hand delivered it myself to XXXX by just taking a 30-minute flight. From XXXX XXXX XXXX round trip XXXX XXXX. Cashier 's check was for {$410000.00} I can't afford to lose that so I went back to my bank ( XXXX XXXX ) deposited the money and then wire transferred the money directly to Chicago title for {$410000.00} in the midst of all this confusion I was at the bank. I met up with XXXX at house XXXX XXXX XXXX ( I found out later onshe 's not a broker she lied. ) I've been swindled out of everything.To make a long short the house was sold on XX/XX/XXXX of XXXX for {$350000.00}. I called the police I try to reach out I don't know what else I could have done XXXX has financially drained my bank account I don't even have the finances to provide for my family with on top of it moving I've tried to question I've tried calling XXXX XXXX but the house in someone's name XXXX XXXX XXXX XXXX. I filed a police report XXXX with XXXX XXXX ( wire fraud ) XXXX XXXX won't let me dispute a charge. Or let me have access to that account. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED YOU TO ATTEND THE FOLLOWING SHOWING ITEMS IN MY LETTER WHICH CONTAINS DATA TAKEN DIRECTLY FROM MY CREDIT REPORT WHICH YOU HAVE PROVIDED PLEASE DELETE THE BELOW LATE PAYMENT YOU ARE SHOWING ON MY REPORT ACCORDING TO THE CONSUMER RIGHTS YOUR ARE VIOLATING MY RIGHTS. 15.U.S CODE 1666 - CORRECTION OF BILLING ERRORS RIGHTS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORT. 


ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On Tuesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Biden 's Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid over $ XXXX in payments. It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXXXXXX XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. What's worrying to me is that the application for forgiveness starts in XXXX and edfinancial won't be processing any of these in time for us to receive forgiveness. They stated that our loan balances won't be reinstated until the refund is processed which won't be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but it's very concerning to me that they're saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other people 's loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am disputing inaccurate information on my credit report regarding accounts with Affirm Inc. ( XXXX and XXXX  ). Despite my efforts, errors persist, leading to a drop in my credit score, resulting in the rejection of my apartment application. This has caused significant hardship, leaving me and my daughter homeless.

As per 15 U.S.C. 1681a ( i ), I request your investigation and removal of this information.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries, and I've asked them to be removed, but the bureaus did not do anything. Please remove the credit inquiries because they are inaccurate and not mine. Thank you. 
These were not authorized. 
XXXX XXXX XXXX - Dated : XXXX XXXX XXXX - Dated : XXXX XXXX - Dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX via XXXX XXXX - Dated : XXXX XXXX XXXX XXXX via XXXX Dated XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Dated : XXXX XXXX CREDIT BUREAU XXXX XXXX Dated : XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

I have reached out to XXXX since XX/XX/2020 in regards to an account on my credit report. When I call they inform me my account has been placed with TrueAccord and their webpage says this as well. I called TrueAccord and emailed and was told they do not have the account that it was sent back to XXXX and directed to contact XXXX. XXXX still shows it is with TrueAccord and gives me their number to call. I can not verify this debt and if I was to verify and confirm ownership I am not able to pay it as no one has the account and keeps referring me back and forth. This is causing a hardship on my family and my credit and neither company will give me the opportunity to resolve and gain information requested. 
I emailed and Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do not know where else to turn and will start emailing the support line at TrueAccord daily until I can receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was banking with boa and sombody forged a check in my name in my account I was charged with forgery for something I never did and went to court and I won the case was dismissed but Im now not able to get a checking or bank account ever since
Product: Mortgage

My EDD unemployment XXXX. Stimulus.XXXX, XXXXMy Taxes.Everything of mine.HELP, Mortgage, Auto loans I don't have the names.
Product: Checking or savings account

On XX/XX/year> i called my bank to question why is my balance changing when I didn't purchase anything. My transactions were pending for a few days and the balance kept changing without me purchasing anything. They sent me an email of a purchase and what my balance was after that purchase but in the mobile app account the same purchase hade almost {$200.00} less for the balance. I have been dealing this for years now. My pending transactions would last for days. The available balance would constantly change even after the initial buy on a debit card.