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

Please see Complaint # XXXX-XXXX  On XX/XX/XXXX, XXXX XXXX XXXX installed a non-OEM windshield in my car. I gave them a check for {$100.00} for the deductible. In resolving the issue with XXXX to get the correct windshield replaced at the auto dealer, the XXXX representative recommended I cancel this check. However, this was not adequately communicated within XXXX and they accidentally sent it to a collections agency, Recovery One debt collection. When I returned a voicemail from Recovery One, the representative was extremely rude and belligerent. She gave me no opportunity to explain why there was no debt owed and instead she interrupted, berated me and threatened me that since it was past 30 days, it was going on my credit report. I submitted the above Complaint # XXXX-XXXX because 1 ) I wanted to be sure there was no entry on my credit report since this entire situation was an error and 2 ) I wanted to be sure that the law is followed and debtors are treated by collection agencies with respect and they are provided the opportunity to discuss a debt they are accused of owing. I understand this is stipulated in the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 ( Dodd-Frank Act ) which established the CFPB for the purpose of protecting consumers from abusive financial services practices. Recovery One 's response to my complaint # XXXX-XXXX on XX/XX/XXXX was " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' On XX/XX/XXXX I submitted additional feedback via the CFPB to clarify that Recovery One responded to the first part of my complaint ( ensure there is no entry on my credit report ) but not the second ( ensure consumers are treated with respect as mandated by the Dodd Frank Act ). Suddenly, today, XX/XX/XXXX, there is a new entry on my credit report ... a " New Collection '' entered today. I am left to believe this brand new submission is most likely a retaliation from my XX/XX/XXXX feedback. This is clearly an improper use of my credit report, utilized to further damage me in response to my exercising my rights with the CFPB.
Product: Mortgage

Round Point Mortgage self-placed flood insurance on my property without proper notification. I received notice that my property is now in a flood zone. I received this notice on XX/XX/XXXX that XXXX rezoned I think from the city. I immediately got the flood coverage on XX/XX/XXXX. I received notice from lender XX/XX/XXXX with the 45 day notice to get flood or they will self-place flood. I emailed proof of flood to Round Point XX/XX/XXXX day of their notice and to my surprise they placed flood insurance on XX/XX/XXXX. Round point refuses to waive the XXXX flood insurance charge for XXXX and XX/XX/XXXX. After talking to XXXX insurance reps the supervisor called me back. She refused to waive the fee. She said notice was mailed to me on XXXX was after they already placed. She claims letter notice was not grace period and I owe the fee. I asked for backup/documentation of where they paid and placed, and she said can't as I will receive an additional XXXX letters with info but can't send sooner or anything else. I believe even though only 2 days of insurance fees I believe this is wrong and unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an Attorney and or a Third party rep. I have a legal right to dispute anything on my credit report. Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CREDIT COLLECTION SVCS # XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than to CREDIT COLLECTION SVCS # XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
Product: Checking or savings account

XXXX banking services. I received a card when it was newly established as I am to have controlling shares and investments. The account was received and I did not set it up. It was then closed as soon as I finally got access to account. I have been still fighting identity theft for the past few years. There are several other banking institutions that I am still having issues with and have ruined my excellent credit that was in low XXXX and now in low XXXX.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX someone took out a fraudulent loan in my name using my information. {$1000.00} was sent to a bank account at XXXX XXXX, which is not my account. The time has passed and Credit Ninja was trying to collect the amount. They sent it to a credit collection company and it showed up on my credit report last month as a collection. 
The amount to repay is {$2500.00} and that is what is on my credit report.
Product: Credit reporting or other personal consumer reports

Paid and old debt to conserva debt collection for a debt they held for ENT credit union the check cleared XXXX XXXX  I initiated a dispute to have them change the debt status to closed paid and they did not change the status after the dispute was finished
Product: Credit reporting or other personal consumer reports

My XXXX XXXX  account shows a XXXX balance on a target card as of XXXX  days ago. I have not used this card in years, may not have used it at all. I tried to view transaction/balance on target website and was unable to log on. I called target and they were unable to locate anything under my name or card number. I can not even view card or info on my XXXX XXXX XXXX. What do I need to do next.
Product: Credit reporting or other personal consumer reports

Please check the documents I've sent regarding this matter. I always my check my credit report during mornings and I noticed that there are inaccurate accounts appearing. I don't know why they're appearing but please do remove and block them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NM XXXX Experian Dispute Division po box XXXX XXXX, TX XXXX FTC Case # : XXXX CFPB Complaint # : [ Insert if applicable ] Subject : Dispute of Fraudulent Accounts and Request to Update Address Dear Experian Credit Bureau, I am writing to formally dispute fraudulent accounts on my credit report and urge the immediate correction of my address on file. Despite prior efforts, these inaccuracies persist and have significantly impacted my credit score and financial standing, including a recent denial for a home loan due to a lowered score in the XXXX. 

I am a documented victim of identity theft, as verified by the attached notarized Affidavit completed in the presence of law enforcement. I have also filed a complaint with the FTC and CFPB to document this fraudulent activity. 

Fraudulent Accounts and Inquiries to Be Removed Fraudulent Accounts : XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7800.00} Account # : XXXX XXXX. XXXX XXXX # XXXX, Opened : XX/XX/XXXX Balance : XXXX {$200.00} Fraudulent Inquiries & Dates : XXXX  XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to investigate and remove inaccurate or unverifiable information within 30 days. The accounts and inquiries listed above are unequivocally fraudulent and must be corrected immediately. 

Failure to resolve disputes regarding fraudulent activity has previously subjected Experian to legal judgments. Three examples include : XXXX. XXXX  v. Experian Information Solutions , Inc . 

Outcome : Plaintiff awarded damages for failure to remove fraudulent accounts, which caused severe emotional distress and financial harm. 



XXXX. XXXX v. Experian Information Solutions , Inc . 

Outcome : Experian held liable for failing to adequately investigate and remove inaccuracies, leading to financial damages. 



XXXX. XXXX v. Experian Information Solutions , Inc . 

Outcome : Experian ordered to pay punitive damages for negligently allowing erroneous information to remain on the plaintiffs credit report. 




I request that Experian : 1. Immediately delete the fraudulent accounts and inquiries listed above.

2. Provide a corrected credit report free of charge to reflect these changes. 



If Experian fails to comply, I will be compelled to seek all available legal remedies, including filing a lawsuit for actual, statutory, and punitive damages as permitted by law. 

Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and provide updates on your investigation. 

Sincerely, XXXX XXXX Enclosures : Notarized Affidavit of Identity Theft FTC Complaint Documentation Copy of ID
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that my payments were delinquent in the past and some of my twin sister 's student loans are reporting on my credit report. I have contacted my student loan servicing company several times to report this and I have requested signed copies of the promissory notes to validate the loans. This information has not been updated and/or provided. It has an adverse effect on my ability to repay my loans and to be approved for a home.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against TransUnion Bureau for their failure to properly investigate and correct inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 
On XXXXI submitted a dispute to TransUnion Bureau regarding a late payment reported on my XXXXXXXX XXXX, account number ending in XXXX. I have never missed a payment for this account and requested that the credit bureau either provide proof of the alleged late payment or correct the error to reflect on-time payments. 
TransUnion Bureau responded, stating that the late payment had been " verified. '' However, they failed to provide any documentation or proof of the alleged late payment, nor did they explain the steps they took to verify the information. This indicates a failure on their part to conduct a thorough and reasonable investigation as required by the FCRA. 
After receiving this unsatisfactory response, I contacted the credit bureau again to demand proper proof or the removal of the inaccurate late payment. To date, TransUnion Bureau has not provided any sufficient evidence to support the claim of a late payment, nor have they corrected the error on my credit report.

As this inaccurate information is negatively affecting my credit score, I am requesting the CFPB 's assistance in resolving this issue. Specifically, I am asking for : XXXX. A thorough re-investigation by TransUnion Bureau with clear documentation or proof of the alleged late payment, if such exists. 
XXXX. The immediate correction of my credit report if no evidence of a late payment can be provided. 
XXXX. Confirmation that TransUnion Bureau is following proper procedures for handling disputes in compliance with the FCRA. 
Please find attached copies of my previous correspondence with TransUnion Bureau, including the original dispute letter and their response. I would appreciate your help in ensuring that this matter is resolved fairly and that TransUnion Bureau is held accountable for their failure to follow federal guidelines. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX , MS XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX , MS XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, transunion, and XXXX  have neither reviewed nor investigated the information in the past disputes. I have disputed the bankruptcy on my file several times with supporting documents from XXXX and The US Bankruptcy court. I have sent each agency certified copies of these documents- ( XXXX ) I have also attached the supporting documents to this complaint. The misinformation on my credit file is hindering my financial growth and causing me XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled bankruptcy and the judge declaired my student loans be discharged. XXXX keeps adding back to my report after disputing and removing it. They are also changing to college assist to report. I have a full discharge on both companies. Please make them stop placing themselves on my reports. I am working hard to repair my credit and this is becoming a negative experience.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am reaching out once again regarding the inaccurate address and charge off account that persist on my credit file despite previous attempts to rectify the situation. 

It has come to my attention that the fraudulent entries have not yet been removed from my credit report, despite numerous requests. This continued presence of unauthorized charges is deeply concerning and detrimental to my financial well-being. 

I can not stress enough the urgency of this matter. These fraudulent items not only tarnish my credit history but also pose a significant threat to my financial stability and reputation. 

Therefore, I urgently request that you take immediate action to remove these fraudulent items from my credit file. I expect prompt confirmation once this has been successfully completed. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00}.
Product: Checking or savings account

I have an unresolved problem with my bill pay. It involves a payment that was sent twice, an overdraft, and a couple of letters from a company called XXXX. Here are the events in date order : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Credit-Returned XXXX # XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Credit-Returned XXXX # XXXX XXXX XX/XX/XXXX Letter from XXXX stating I owe them XXXX - Received XX/XX/XXXX XX/XX/XXXX Letter from XXXX stating my person pay service has been suspended -Received XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( this was never done- see comments below ) XX/XX/XXXX Received call from XXXX, they received a XXXX  check ( dated XX/XX/XXXX ) from my bank. My bill was already paid. XXXX mailed me back the XXXX  check. 
XX/XX/XXXX Called customer service multiple times and was told I owe nothing. No one will provide a letter state my balance with XXXX is XXXX. 
XX/XX/XXXX Went to branch and made formal complaint. Stopped payment on XXXX  check # XXXX XX/XX/XXXX Received letter from XXXX XXXX once again trying to explain what happened but not stating I owe nothing. 
XX/XX/XXXX Called XXXX XXXX who AGAIN wanted to tell me what happened, but I just need evidence that I owe XXXX nothing. I finally agreed to call XXXX with her and as I suspected it was a disastrous call. The person we reached could not help us at all. 

I need to be clear here, I do NOT care what happened. I do NOT do business with XXXX, I do business with Region 's bank. In fact, the letters I received from XXXX do not even mention Regions bank. This acutally could have been a scam. 

After all this, I have a letter stating that I owe XXXX {$400.00}, and someone did, IN FACT, mail XXXX checks to XXXX while only debiting my account once. It appears that SOMEONE owes XXXX {$400.00} and it is NOT me. So, I MUST have a letter or statement showing in no uncertain terms that I owe XXXX and Regions Bank Nothing for this payment to XXXX!
Product: Credit reporting or other personal consumer reports

unauthorized inquiry on my report XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX, I recently started working with a XXXX XXXX XXXX in XXXX Texas, and last night I reached out to my boss to see if there was anything that needed done today. This morning ( XX/XX/2024 around XXXX ) I received a text message from someone impersonating my bosses son ( another member of our team ) asking to pick up XXXX gift cards for a client, the amount totaling {$2000.00}. After being asked to do this again I became suspicious and realized this was probably a scam. I quickly got in touch with XXXX, and they were able to verify the cards had been redeemed. I then reached out to Wells Fargo. Just got off the phone with the second individual at Wells Fargo who told me something completely different than what the gentleman that initially filed my claim told me. She told me there are no " dispute rights '' associated with the case, and to call the police. She then said the claim had been denied ( roughly 30 minutes after submission ), but the charges to my card were still pending. She advised I call back once the amount had been officially charged to my account and was no longer pending to see if they could help further, but implied there was nothing they could do. None of this makes any sense to me. I have never been scammed before, and am extremely concerned over this matter. Given the fact this was a fraudulent charge brought on by a scammer ; I had hoped my bank of 20 years would be able to help. Any assistance here would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Regarding Closed Accounts with Late Payments Dear Transunion, I am writing to formally dispute certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Specifically, the accounts listed under : XXXX XXXX - XXXX XXXX  - XXXX - This is not mine - please remove this inaccuracy from my report! 

XXXX  XXXX XXXX - XXXX - This is not mine - please remove this inaccuracy from my report! 

are closed and these reports are unjust and create significant obstacles to accessing credit and financial opportunities.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I made a purchase from a company on XXXX by the name @ XXXX. I only get comfortable purchasing from this business because it was promoted by a very famous person on XXXX named @ XXXX. Under the impression that I would be protected from any scam by using XXXX through my Chase app, I went ahead and made the payment. Afterward, the business confirmed receipt of the payment and asked for my address to ship the item. Since then, the business has blocked me on XXXX. Ive checked through other accounts and saw that this business is still on XXXX and is still out there scamming people for their hard earned money. I sent them {$250.00}, which is the amount I requested back from Chase. I asked them about buyer protection. They refused to refund the money. Chase advised to make a police report and thats it. This is very unfair as the seller is also using XXXX which is Im assuming is linked to a bank account. I need help getting my money back and stopping this @ XXXX  from ever taking anyone elses money.
Product: Credit reporting or other personal consumer reports

Down below is a list of inquiries that should not be in my credit report, please remove them. Thank you! 

XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Debt collection

Repeated phone calls after I have asked them to make a note I will call at the end of the month to resolve the account and bring it current. Calls are every few minutes ALL DAY LONG.
Product: Credit card

I opened a new Skymiles American Express card a few months ago pursuant to a promotional offer. The offer stated that I would be awarded XXXX bonus miles and a {$50.00} statement credit after my first Delta flight purchase. Nowhere in the offer did it state that I would not be eligible for the promotion if I had a Skymiles American Express card in the past. I held a Skymiles American Express card that I canceled about two years ago. 

After spending about {$2000.00} on my American Express card, I called American Express because I was not awarded the bonus miles. The representative first claimed that the statement, that previous card holders are not eligible for the promotion, was in the acceptance letter sent by American Express. When I told her it needs to be in the offer because after I applied and accepted to the offer, I had already put in the time to apply for the card, and taken a hit to my credit. The representative then claimed that this information was in in the offer itself. The representative would not offer any sort of compensation. 

I am certain this information was not in the offer. Delta and/or American Express send multiple offers per year, and none of these offers contained the limitation that, in order to be eligible for the promotion, you can not have previously had a Skymiles American Express card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to CFPB VS TRANSUNION in hopes to gain removal from reporting any negative claims asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity. My complaints primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report file in fact has been done and currently reports appropriately and ONLY so undeniably ethical, Fair, truthful, within federally-defined timeliness, with physical verifiableness and elsewhere certifiably validated to be compliant to established mandatory utilized XXXX XXXX Data-filled FIeld Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimum criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser that that of a MAXIMUX POSSIBLE ACCURANCY AND MAXIMUM POSSIBILITY OF COMPLETENESS! The company 's indicated either fails to report fairly and to their own industry 's established mandatorily utilized XXXX XXXX COMPLAINT standards thereby giving me legitimate concerns the negative information portrayed by the complaint is either not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards. Attached are letters I sent out on XXXX XXXX.