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

I wrote TransUnion on XX/XX/XXXX about accounts that are reporting inaccurate on my credit profile, TransUnion has failed to reply in 30 days or update the information correctly on my credit report.
Product: Checking or savings account

At the end of XXXX, Chase Bank allowed for the first of two fraudulent {$1200.00} checks to be cashed against my account. I have had 4 previous issues with this account and fraud occurring. On XX/XX/2021 I had a meeting with Chase asking them to add security measures to my account, including photo verification on any withdrawals, yet these instances of fraud continue to happen. Now Chase has told me that I'm going to be responsible for these two most recent fraud transactions which I can not afford and I should not be responsible for per my understanding of FDIC rules. Please help!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my verdict report. Despite my submissions, Equifax consistently responds 24 hours stating the account is accurate, without proving any evidence of a thorough investigation. This practice violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes,. Furthermore, Equifax 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-002 ) against them for similar violations to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am writing regarding inaccurate late payment entries on my credit report. I submitted a formal dispute of these items over 30 days ago and have not received any response or validation of these reported late payments. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to : 1. Investigate disputed items within 30 days 2. Provide validation of reported information 3. Correct or remove any inaccurate entries
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 usc 1681 ( a ) XXXX is in violation of my right to privacy and information Id like private that is posted on my consumers report. 

Account : XXXX XXXX
Product: Mortgage

I submitted a detailed complaint in XXXX ; I have not heard one word!!!!!! This involves WELLS FARGO ... .and I find it ironic that they are now under Federal investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$1500.00} XXXX XXXX {$580.00} I have disputed these items on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX After several attempts to verify and validate the debt I have been unsuccessful. I notified all three bureaus by certified mail the accounts where fraudulent. I have requested verification of my signature authorizing the reference accounts. The information is being erroneously reported on my credit report which is having adverse effects on my mortgage loan applications.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE LOOK AT MY CREDIT REPORT. I HAVE HAD A FREEZE ON ALL 3 CREDIT BUREAUS AND HARD INQUIRIES ARE STILL HAPPENING. IF THE CREDIT COMPANIES DON'T FIX AND CFPB DON'T FIX, WHAT IS MY NEXT STEP. THE HARD INQUIRIES ARE KILLING ME. I RECENTLY ( 1 WEEK AGO ) TOOK THE FREEZES OFF ALL THREE. I RECENTLY HAVER TRIED TO GET A 0 % ON BALANCE TRANSFERS BUT DENIED DUE TO HARD INQUIRIES. INITIALLY I HAD THE SAME PROBLEM WITH XXXX, EXPIERIAN, AND XXXX. ALL THREE REPORTS HAVE SHOWED I HAVE A SIGNIFICANT AMOUNT OF INQUIRIES. I DISPUTED ALL THREE COMPANIES VIA EMAIL AND PHONE BOTH. WHEN I DISPUTED VIA EMAIL, IT TOOK THEM ONLY 1-3 DAYS TO COMPLETE. PROBLEM WAS, NOTHING WAS FIXED. SO THEN I CALLED TO FIX THE ISSUE ON ALL 3 REPORTS. MY HOLD TIMES WERE UNBELIEVABLE. ANYWHERE FROM 90 MIN TO 3 HOUR HOLD TIMES. NEEDLESS TO SAY, AFTER FINALLY GETTING A HOLD OF SOMEONE, THEY STATED TO PUT A FREEZE ON MY REPORTS. I DID WHAT THEY REQUESTED. AGAIN, THE INQUIRIES ARE STILL ON THERE. I COMPLETED A FRAUD INVESTIGATION WITH ALL 3 COMPANIES AND I STILL HAVE A FREEZE ON ALL THREE COMPANIES AS THEY REQUESTED. THE OVERALL PROBLEM STILL REMAINS WHICH IS I STILL HAVE A UNBELIVABLE AMOUNT OF HARD CREDIT INQUIRIES CAUSING MY SCORE TO BE BELOW XXXX. MY SCORE WILL BE XXXX OR ABOVE IF THE WOULD FIX MY REPORT. THANK YOU FOR YOUR TIME
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN : XXXX XXXX : XX/XX/XXXX Experian 's National Consumer Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Experian XXXX XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Delete or fix the information on the account detail section. 
I am writing to formally dispute certain information reported by your company to the credit reporting agencies, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 5 U.S. Code 1681s-2.

I recently obtained a copy of my credit report and noticed that the following information appears to be inaccurate : I believe the information reported is incorrect because [ briefly explain why you believe the information is inaccurate, e.g., " I have consistently made my payments on time '' or " This account does not belong to me '' ].

In accordance with 1681s-2, I request that you investigate this matter and correct any inaccuracies. I
have attached supporting documentation, including [ list any documents you are including, such as payment records, correspondence, etc. ], to substantiate my claims.

Please provide me with a written response to my dispute within 30 days and inform me of the results of your investigation. If the information is found to be
Product: Credit reporting, credit repair services, or other personal consumer reports

Back In XX/XX/XXXX XXXX I had a late fee the following month I paid my bill in XXXX and had told them I had a death in the family they agreed to remove late fee. I was recently on cXXXX XXXX and noticed the late fee had never came off. 

I had called discover and am still waiting for late fee to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to reduce the rate of interest to six percent ( 6.0 % ) for the above referenced account. 
I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time I incurred the above referenced debt. The SCRA establishes a six percent ( 6.0 % ) per annum ceiling on interest during the period of a servicemembers military service. This reduced rate became effective upon my entry to XXXX XXXX on Date, and shall be applied retroactively to date of entry to XXXX XXXX. 
Under the SCRA, any interest in excess of 6.0 % per year shall be forgiven. Additionally, any payments shall be reduced by the amount of interest forgiven which is allocable to the period of such payment. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Product: Debt collection

On XXXX/XXXX/2016 I ordered a Sears Craftsman garage door opener remote on the telephone through Sears PartsDirect. My order # XXXX and model # XXXX ( Garage Door Opener XXXX-Function Visor Remote ) was charged through my Citi Visa credit for the amount of {$50.00}. I spoke with agent XXXX about the order. She sent me the picture of the model through my email. After reviewing the model of the remote, I did not think it was the right garage door opener remote that I wanted. I told XXXX to cancel the order and refund me the amount of {$50.00} immediately. XXXX told me she already canceled the order. However I NEVER received an email to confirm the order was canceled. 

On XXXX/XXXX/2016 at approximately XXXX, I called Sears Parts Direct to confirm the order was canceled since I NEVER received an email or refund of {$50.00} through my credit card. I spoke with XXXX on the phone. I tried to explain to XXXX about my situation and concern but she was rude to me by constantly interrupting me when I speak. XXXX did not show any concern towards her customer at all. She kept saying that I am threatening to write her up and file a complaint. I told XXXX that I would not file a complaint as long as she takes care of her customer by helping customer 's needs instead of being condescending. XXXX refused to assist me in a professional manner. I kept asking her where is my refund? I NEVER received an email to confirm a refund or cancelation. 

Today is XXXX/XXXX/2016 and I checked my Citi Visa credit card account. Sears Parts Direct still charged me {$50.00} and refused to give me a refund. XXXX and XXXX promised me that it will take 2-3 days to receive a refund. Today is a third day since I ordered and canceled the order of the garage door opener remote. NO refund yet appeared on my credit card statement.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the failure of the XXXX major credit bureaus ( XXXX, XXXX, and Equifax ) to update and correct my personal information on my credit report, despite my numerous requests. 
Recently, I reviewed my credit report and discovered several discrepancies, including incorrect spellings of my name and multiple addresses listed, while I only have one current address. In order to ensure the accuracy of my credit profile, I submitted formal requests for correction and updates to all three credit bureaus, in accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX ). 
Specifically, I requested the following updates to my credit profile : * Correct spelling of my name * Correct address * Removal of any other addresses listed on my credit report, as they are inaccurate, misleading & non-mailable address. 
To verify my identity and address, I included copies of my driver 's license to verify my address. 
Despite my thorough and compliant submissions, none of the credit bureaus have updated my information as requested. The discrepancies remain on my credit reports, which continue to reflect multiple incorrect addresses and the incorrect spelling of my name. This negligence on the part of the credit bureaus is not only a violation of my rights under 15 USC 1681, FCRA, GLBA, ECOA, PRIVACY ACT OF 1974 but it also jeopardizes the accuracy of my credit profile and impacts my creditworthiness. 
I am seeking your assistance to ensure that the credit bureaus take immediate action to rectify these inaccuracies. It is imperative that my credit reports reflect accurate and up-to-date information to maintain the integrity of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to experian about my personal information on my credit file, the bureau refuses to do a proper investigation and I have sent the bureau experian I current license and my most recent internet bill statement they do not want to remove addresses and names that are mine.
Product: Debt collection

I am disputing a debt on my XXXX XXXX XXXX account with NCS. I had asked for proof that the debt was mine and they gave me a contract signed and fulfilled in XX/XX/XXXX and one that I did not sign, also attached with a list of payments that I did not make. However, I was not living in those apartments at the time and had already moved out on XX/XX/XXXX. 

I have repeatedly provided them with my lease from that time, which clearly shows that I moved in on XX/XX/XXXX. I don't know who was making the payments on those apartments if I didn't live in them and why NCS. I was only informed 4 months later that it was in default. I have attached my new lease contract for the place where I moved, which has the information of the owner of the house, in case you want to contact her to verify that I lived in that house for one year, starting XX/XX/XXXX, to the XXXX XX/XX/XXXX.
Product: Debt collection

I have no knowledge of this debt. I receive letters and calls for the past month and year about the collections. They is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX filing this complaint on my behalf and certify this information to be true to my knowledge. The consumer reporting agencies are not complying with federal procedures to fix errors on my consumer report. Information that is reporting is not accurate and has not been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had credit card with Barclay (Juniper) Bank.  Fell behind on payments in XX/XX/XXXX.  My account was sent to attorney for collection.  In XX/XX/XXXX, a payment arrangement was made for XXXX per month.  I have made 23 monthly payments on time, every month.  However, Barclay is reporting to XXXX that my account was charged off and every month they are reporting "Failed to Pay".  In XX/XX/XXXX, I filed a dispute with XXXX in which Barclay's declared their reporting was correct.On XX/XX/XXXX, I contacted attorney's office and confirmed that all 23 payments have been received and forwarded to Barclay's.  I was told to contact Barclay directly to fix credit reporting error. I spoke with XXXX from Barclay and was told they would not remove the Failed to Pay because that was the standing my account was in before it went to the attorney.
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 human trafficking of Debt Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ 2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

My company purchased a {$150.00} American Express gift card and provided it to me as a gift. However, when I went to use the card I discovered that someone had already used the card fraudulently to purchase {$120.00} worth of items from XXXX this past Saturday. When I contacted American Express, they said there was nothing they could do about it because their Card Member Agreement states they won't reimburse fraudulent charges because the card is treated as cash and that my only recourse is to file a complaint with XXXX ( where the card was fraudulently used ). I could understand this if the card had been stolen from my possession or opened before I received it. But, I received the card in it's original unopened cardboard packaging which covered up the card number, expiration date, and security code. None of that information was visible until I personally opened the packaging which means that information could NOT have been stolen by someone at the store that sold the card. The card also never left my possession or even my house. Therefore, the card number and related information could have only been stolen when the card was printed or packaged, which makes it an inside job. I did contact XXXX where the card was used fraudulently, but they insist that they can not issue a refund unless American Express registers a dispute over the charges. They claim that if American Express would do that, they will refund the charges to the card. However, American Express refuses to do that claiming they have no way to register a dispute because it's a gift card and not a credit card. I call XXXX. If they can issue a fraud dispute for credit card charges then they can issue them for gift cards because they both use the same XXXX  system.
Product: Credit reporting or other personal consumer reports

I recently found that there are fraudulent accounts and errors my credit report
Product: Credit card or prepaid card

I received a prepaid XXXX from a company called XXXX on XXXX XXXX, 2018. It already had my babe embossed on it. I couldn't get through to a live representative because the voice machine wanted me to provide a card number or my social security. I gave the card number but it tried to get me to activate it using my social which I was not going to do. I was worried that someone has fraudulently applied for this card in my name. If not and the company just sent me a card like this without any request then I feel that is a security risk. What if I hadn't lived at the address or someone else managed to activate this card they sent me?
Product: Debt collection

I was attempted to be contacted by a person posing as a process server from a spoofed local area number ( not a working number when called back ) stating that they couldnt contact me so they were going to call my place of employment and supervisor as means to get ahold of me stating there was a location order out for me. They also contacted a friend and family member of mine stating that they were looking for me to serve a subpoena. The RECORDED message on my phone stated that I could stop any legal action by contacting your office at XXXX. 
There is no subpoena on record with the local court in XXXX County and no order of location out for me either ( last I checked those are issued in family court on child custody cases ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I do n't understand why I keep having problem with this company and my credit report. On XXXX/XXXX/XXXX Chase bank did another inquiry on my account. I have a new inquiry now on XXXX and XXXX. I really with this company leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am mad at XXXX XXXX  because i had lost my job due to covid-19. I called XXXX to get on their forbearance program but I did not call in time before I was mark on my credit reporting with a 30 days past due. I would like XXXX to fix my credit reporting due to this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

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 I NEVER APPLIED FOR ANY OF THESE ITEMS I CALLED TRANSUNION AND TOLD THEM I SENT THEM A DISPUTE ALONG WITH A POLICE REPORT AND THEY SAID THEY COULDNT DO ANYTHING THESE FRAUDULENT INQUIRIES IS STOPPING ME FROM OBTAINING THINGS I NEED TO PROGRESS IN LIFE FOR MY FAMILY
Product: Credit reporting or other personal consumer reports

KICKOFF INC placed delinquency on my account.