23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have listed on my credit report a bankruptcy XXXX XXXX that was filed XX/XX/2024. I have reached out to XXXX who reports to Experian their information and Experian reports it on my credit report. However, XXXX sent me a letter stating that they DO NOT have a bankruptcy in their records for me. I also disputed it with Experian multiple times and returned VERIFIED NO CHANGE. When XXXX reports to XXXX XXXX and these two companies have NO BANKRUPTCY for me. XXXX filed a dispute against Experian for reporting this in XX/XX/2024. A guy from Experian named XXXX called me and said he was helping out a fellow colleague named, XXXX XXXX who was on my complaint. But NOTHING has been done. 

I am asking that the bankruptcy be deleted from my report. XXXX and XXXX has deleted this from my report and I do not understand why Experian is giving me a grievance over deleting this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020. I received a letter in the mail from XXXX XXXX. It stated that they were notifying me of an incomplete application. XXXX XXXX specifically stated that they could not validate information provided in a credit application. The letter also stated that if they did not hear from me within 21 calendar days from the date of the application, XX/XX/2020, the application would be cancelled. I would like it to be noted that I did not try to get an account, service or any affiliation with this company. I also have a security freeze on my account to avoid any fraud or identity theft. 
With regards to this, however, I noticed that XXXX placed a hard inquiry on my Experian credit report. I did not authorize nor give permission for XXXX to access my credit profile. I did not try to obtain credit from them. I did not consent to, authorize nor benefit from this account, yet, their ILLEGAL hard inquiry on my credit report has caused me financial injury, invaded my right to privacy, defamation of my character and caused unfair practices on my credit report to occur. I am a Federally protected consumer and, as such, the ILLEGAL hard inquiry has been removed from my report but I have had to spend money and time that I can not regain to get this inquiry removed from my account. My rights under the FDCPA and FCRA has been violated. If I can not get compensated for this illegal practice, I will not hesitate to send out an intent to sue letter and I will take further actions as stipulated under the FDCPA and FCRA laws. This is my first step in giving the companies involved an opportunity to try to make amends to this unfair, illegal practice that they have sustained upon me.
Product: Money transfer, virtual currency, or money service

XXXX BRL were contracted to be sent. But according to the result of Western Union 's investigation, only XXXX BRL were dispersed by Western Union. Leaving a difference of XXXX BRL that had failed to be sent, per the contract. 

The rate at the point of contract was XXXX BRL per dollar. The following day, the day of payout, the rate was XXXX BRL per dollar for direct bank deposit. There was a lower rate, XXXX BRL per dollar, for a cash pickup, but I did not contract for cash pickup. I would not have agreed to that rate or option, as it was a terrible rate in comparison to other money transfer services. I contracted for a direct bank deposit at the aforementioned direct bank deposit rate, which was XXXX  at the time I paid and XXXX  the following day when Western Union paid my recipient.

Western Union made an error dispersing at the lower cash pickup rate, when what I contracted was for a direct bank deposit transaction.

Western Union acknowledges that the amount paid out was at a rate of XXXX BRL per dollar. This rate corresponds with that day 's cash payout rate, but that was not the type of transaction in our contract. Our contract was for a direct bank deposit. The direct bank deposit rate at time of payout was XXXX. Western Union made an error. But they refuse to rectify their error. They maintain that the clause in their terms stipulating that rates may fluctuate from day-to-day means they can mistakenly use a different advertised rate for a different type of transaction that was not made or agreed to.

Does Western Union believe that it is entitled to make a contract, but then can go forward after execution of the contract and change the terms? Why even pay out any transaction then? Why not change the transaction rate after execution of contract to XXXX, and pay nothing? 

We made a contract. It was understood that fluctuations can occur. But there was an error by Western Union in this transaction. The cash pickup rate was applied to a direct bank deposit transaction erroneously. Why does it take so much back-and-forth to get Western Union to realize and correct it's error? Does Western Union think it can just make grand errors in its own favor, break contracts, and customers will just walk away? Why can't the error just be rectified?
Product: Credit reporting, credit repair services, or other personal consumer reports

[ It appears that my previous complaint to Transunion failed. Claim # XXXX. If it did process, please do not mark this as a duplicate, as the complaint does not appear in my portal. Thanks. ] I would like to dispute some information that I do not recognize or find to be accurate : XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING TWICE! **WHY?? ] ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX [ REPORTING TWICE! **WHY?? ]. I have reached out to Transunion via certified mail on multiple occasions regarding this matter, which they have not responded to me, although my letters were left with an Agent. I consider this to be extremely unfair! That is the first reason I am requesting deletion of the disputed data. The second reason I am requesting deletion of the disputed data is because there are multiple discrepancies between the information that Transunion, XXXX, and XXXX are reporting. I compare the information and find it to be severely inconsistent and contradictory. Why does it not match? From my understanding, it is your duty to ensure that my report is 100 % accurate and truthful. This means you have been reporting the incorrect information this entire time, which as been hurting me severely! My third reason requesting deletion of the disputed data is due to the fact that I did not provide any these companies with my social security number, nor did I consent to have my private, nonpublic information shared. How did they obtain my private information?? Who gave it to them?? It is safe to say that my right to privacy is being violated. I am truly concerned. Please investigate this matter as well. Lastly, please have all of the companies above, whom I believe to be furnishing inaccurate data, to provide me with any documents they have on file baring my unique signature, -such as any original signed contracts, or any disclosure forms which are required by law to be clear and conspicuous, acknowledging that I opted into credit reporting. If they fail to provide such physical and legal proof of these accounts, please have them cease furnishing, and delete the information from my report immediately. Upon completion of your investigation, please mail me the results within 30 days. I truly appreciate your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The The list of documented accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 605 A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s -2 section ( A ) ( 1 ) s person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax Information Services LLC on several occasions, after reviewing my credit report to have the inaccurate information they are reporting within my credit file thoroughly investigated. I asked them to provide proof of the investigation from the furnishing Company of these accounts, such as account statements demonstrating the payment history, as a means to remedy these discrepancies and to delete said items if they were unable to oblige my request. Unfortunately, they have failed to honor my request and provide me with evidence of a thorough investigation, and they continue to report this inaccurate information. The XXXX XXXX XXXX XXXX accounts that are closed and reporting " late payment '' history are incorrect and inconsistent. Ex. if the payment history for XXXX and XXXX were paid on time, there is NO WAY that the account should be listed as XXXX  days " late '' in XXXX. Yet this is the information that Equifax is reporting within my file.
Product: Credit card

Date of transaction is XX/XX/XXXX by the company XXXX  ' and appears on my bank statement for 'Ally Bank ' . The company XXXX XXXX XXXX should have charged {$5.00} for the purchase of the phone each month and did authorize a cancellation, and sent me a XXXX label to return the product purchase. The company confirmed the product was returned within 14 days. The company website states a {$50.00} restocking fee for the return of a product. The company issued no bill and no receipts for the charges of {$190.00} exist. Requested statement and receipt on XX/XX/XXXX and was denied. The credit card company, 'Ally Bank ' received my dispute for statemen charges and sent a letter to confirm this on XX/XX/XXXX and again confirmed a second dispute received on XX/XX/XXXX and denied my statement dispute. Ally Bank refuted my claim and denied me protection from all parts of the unauthorized charge. XXXX refused to provide a statement and denied my request for a receipt for payments on XX/XX/XXXX via telephone. XXXX does not provide statements and receipts for these charges. Disputed Charges policy for the company were followed, as stated : " To the extent permitted under applicable law, if you disagree with a charge on your billing statement, you must contact XXXX at XXXX no later than 60 days after the due date on your billing statement or you waive any such dispute. '' Both the company and Ally advertise on their website the protections they provide. The bank, 'Ally Bank ( Member FDIC ) 'states : " Ally Bank ( Member FDIC ) guarantees that you will not be liable for any unauthorized Online or Mobile Banking transaction as long as you report the unauthorized transaction by calling us at XXXX within 60 days from when your statement is made available. '' I have used the correct dispute process with the company and the bank and was denied protection for charges not shown on any company bill, no receipts exist. The bank confirmed two disputes, XX/XX/XXXX and XX/XX/XXXX, and still has not reversed the charges and I was denied on XX/XX/XXXX. No letters exist from Ally Bank to confirm the denial. No statement or receipt from the company XXXX ' exist.
Product: Student loan

I submitted for PSLF XX/XX/22. MOHELA has sent 3 separate letters saying my loan does not meet criteria. Each time, I have to call and hold for literal hours before I can speak to an employee incapable of helping. Each time, there is literally nothing they can do. However, I have worked for the XXXX for 12 years and made far more than the 120 payments required to have my loans forgiven. They have once again reset the clock of 90 business days. Being a XXXX XXXX during COVID for the last three years has been enough of a stressor alone. Adding in the atrocious customer service and horrible communication from this company adds insult to injury. I just want my information to be evaluated fairly so I never have to deal with this greedy shady corporation ever again. 
My XXXX administration faxed my employment information in XXXX and I have been denied yet again as saying I have only paid 2 payments. Over 6 months for them to evaluate employment and send 3 separate letters saying that I don't meet loan forgiveness criteria. Which is incredibly weird when each time they say it hasn't been evaluated yet.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of the following accounts : Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : ORIGINAL CREDITOR Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : XXXX  Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : XXXX  Account Number : XXXX Company or Organization : XXXX  XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. None of these accounts were opened, made, or initiated by me. All of the aforementioned items are the result of identity theft and fraud. 

I have attached any relevant documentation, including proof of my identity and any evidence supporting my claims regarding the fraudulent accounts. 

Plaintiff Signature : XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX XXXX
Product: Debt collection

After reviewing my recent credit report, I show XXXX collection accounts from Synerprise Consulting showing past due amounts of {$1900.00}, and {$1700.00}, when collection accounts arent allowed to show past due balance per the FTC/FCRA. I have never spoken to this agency, nor agreed to any payment arrangement that would allow such reporting.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00}
Product: Checking or savings account

Im trying to link my account to my job online to setup direct deposit and if keeps sending me an error message. I've experienced this several times and I don't want to recieved a paper check. I need this matter handled quickly as possible
Product: Money transfer, virtual currency, or money service

This is going to far. It is going on week 3 now. My account is still in suspension and no one seems to be able to answer any questions. XXXX XXXX called me and left a message letting me know that I needed to call her and I did several times and she never returned my call. I have been speaking to a XXXX XXXX who is a case manager who has absolutely did nothing. She called me to tell me that she received and email from XXXX on last Friday XX/XX/XXXX and that she believed it would be have an answer by this Monday which was yesterday XX/XX/. As of right not all my bills can not be paid because they have my funds on lockdown. Checks have bounced and my business is put on hold because they cant handle a large amount of money or their holding my funds for no reason. I have the release showing that the IRS released the money transfer to me and the bank " XXXX XXXX tax accountants at the bank told me when I called that they released the check two weeks ago and that PNC never called them for clearance. I want them release my funds or give me an explanation as to why they haven't. This is insane.
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 XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX XXXX XXXX : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2018 after 4 rounds of credit repair, I received updated credit reports from Trans Union, XXXX  and XXXX   stating that the accounts on my report have been updated and for me to personally contact the collectors for any information. My rights have been violated per the FCRA and the FCPDA. These Collection accounts have not been properly verified by the 3 credit bureaus per the FCRA nor have they been validated by the collectors per the FCDPA. There has been no original instrument of the debt such as a signed contract presented to me by either of the parties. I have personally reached out to the collectors over the past 2 months asking for validation of this debt and what I received was the copy of a bill. Anyone can create a bill and place my information on it. This is not 100 % Verification nor is it validation. My credit is being held hostage by this. Laws have been violated. I have certified receipts from the correspondence that I sent to Trans Union, XXXX, and XXXX  as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX that I'm attaching. These accounts are hurting my credit, im trying to buld a future for my children by purchasing a home and this has stagnated that process. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I submitted a verification request disputing unauthorized inquiries on or around XX/XX/year>. I also requested that reporting companies delete unauthorized inquires per FCRA sec. 604f 15 usc 1681 as they are not authorized and holds no permissible purpose or other reason. Within. XXXX hours I got an email claiming that items have been verified and will continue to stay on my report for XXXX  years even after I the consumer, natural person verified that they were not authorized.
Product: Money transfer, virtual currency, or money service

I opened account with Gemini Crypto Exchange located in New York. I deposited money using Gemini ACH direct deposit. As soon they collected funds from my XXXX bank they frozen ability for me to use my funds. I can not even withdraw them back to my XXXX bank account. 

I tried to submit numerous tickets. I tried to call them. No response at all. 

Please let me know if you can help. 

Thank you,
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries were added to my credit report. Correct this promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$250.00} XXXX XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX Balance : {$950.00} XXXX  Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA sold this account to XXXX XXXX. XXXX XXXX hired XXXX, XXXX and XXXX XXXX XXXX XXXX to garnish {$8000.00} from my income. Approximately {$1600.00} was collected through XXXX XXXX XXXX in XXXX, Virginia through this garnishment. A payment plan was installed with XXXX XXXX and XXXX XXXX XXXX XXXX for the remaining amount to be paid in the amount of {$130.00} due on the XXXX of each month beginning XX/XX/2022. Payment plan is active and current as of XX/XX/2022.