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

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. 
( XXXX ) A computation error or similar accounting error made by the creditor on a statement. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore. 
I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' : for account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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 convictions of crimes which antedates the report by more than seven years.

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

To Whom It May Concern, I was monitoring my credit report and seen that there are hard inquiries on my credit report that dont have permissible purpose on them. According to the fair credit act. Anything furnished on my credit report should reflect Permissible Purpose according to 15 USC 1681 B. 

Please see the items below : 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 XXXXXX/XX/XXXX These items need to be deleted off my personal credit file.
Product: Credit reporting or other personal consumer reports

My legal name is inaccurate across my XXXX, Equifax, and XXXX credit reports. There are variations of similar names without my generation identifier. This has lead to inaccuracies across creditor reports validating inaccurate information as XXXXThere multiple inaccurate addresses I have never been associated with but my father has lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : OneMain Holdings, Inc. XXXX XXXX. XXXX XXXX XXXX, IN XXXX XX/XX/2022 RE : OneMain Financial Impermissible Credit Report Use To whom it may concern : a Hard Pull against my credit by OneMain Holdings XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX occurred on XX/XX/2022. It was unauthorized. I have attached the disclaimer from XXXX XXXX that states that checking for loans will not hurt my score. 
I am requesting that the unauthorized credit check be corrected, immediately, and reported to XXXX, XXXX XXXX, and XXXX as such. 



XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX Copy : XXXX XXXX
Product: Credit reporting or other personal consumer reports

You allowed squatter XXXX XXXX fake XXXX to cash two checks in my name that you your told me and decided to just now tell me about the one he cashed XX/XX/year> and chase still acting like 2 year olds unprofessional. Why did I received today on my credit report XXXX XXXX as an inquiry? Also, discovered your client fake doctor XXXX XXXX in an complaint with the CFPB ending XXXX to Early Warning the he has in addition to four credit cards two more additional credit cards in my name XXXX. Ending XXXX XXXX. Ending XXXX. 

Then XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

My husband and I bank at Truist and my husband was convinced by a criminal that he owed money to a company after they convinced my husband he received a refund of {$6000.00}. My husband suffers from a XXXX. The account is a joint account. 

After withdrawing {$6000.00} in cash from our accounts and sending some {$2000.00} in 'gift cards ' to the criminal, my husband returned to our bank with {$4000.00} in cash and wanted to send that {$4000.00} in a wire transfer. XXXX, the cashier at the bank, recognized the signs of a potential crime being committed against us, and questioned my husband about this wire transfer request. Instead of checking with the joint account holder ( me ) after suspecting a crime being committed against us, XXXX took the {$4000.00} cash and sent the wire transfer anyway. 

When I returned with my husband after finding out about the missing funds, the branch representative shared many tales of similar situations of customers of their branch that had been defrauded- so they are aware that this is a major problem, but took zero action to prevent it in our case, and likely continue to allow this to happen.
Product: Debt collection

XX/XX/2021 Money was taking from my account through the drive through teller without my consent after it was a conversion that I owed a balance before I could make a withdrawal, I was called the police and and humiliated in front of my mother. 
The company did give my money back but I suffer physical mental and economic deterioration from what happened and the slander and libel comments of negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to report an issue with a financial institution that has caused harm to my credit score. My bank, Ally Bank, has been reporting incorrect information to the credit agencies, despite my attempts to rectify the situation. This misinformation has significantly impacted my ability to obtain credit and secure loans. 

I believe that Ally Bank 's practices violate regulations set forth by the CFPB and my rights as a consumer. I urge you to investigate this matter and ensure that consumers are protected from these unfair practices. Please take action to hold Ally Bank accountable for their actions and correct any erroneous information reported to the credit agencies. 



Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Ally Bank for their egregious and unlawful practices that have caused significant harm to my credit score and financial standing. Despite fulfilling all my obligations and making all payments on time, Ally Bank has been falsely reporting that I have an open account and have been making payments until XXXX of XXXX, well after I returned the vehicle on XX/XX/XXXX. 

In addition to these fraudulent reports, Ally Bank has also been reporting that I am not making timely payments and that I am making late payments of {$120.00}, which is wholly incorrect. These deliberate and intentional actions have caused me severe financial harm, and Ally Bank has even sent my account to collections, despite my full compliance with the lease agreement. 

I believe that Ally Bank 's actions violate not only the regulations set forth by the CFPB but also the fundamental principles of fairness and integrity. As a consumer, I should not have to suffer due to Ally Bank 's fraudulent reporting and unlawful collections efforts. I urge you to investigate this matter thoroughly, hold Ally Bank accountable for their actions, and ensure that they take corrective measures immediately. 


Thank you for your prompt attention to this matter. 

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

I been battling to dispute these accounts for about 5 years. It doesn't make any sense to even continue when the companies. XXXX XXXX are some of the means people in the world right beside XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. You can talk nice to them all day still don't mean anything. They will cuss you out with out a doubt or just be rude to you. All customers must get treated with respect. 

These are not my accounts and I want all 7 of these accounts deleted immediately and permanently : XXXX XXXX XXXX, - Charge offs - Closed Account - Please Delete Permanently. 

XXXX/XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX, Charge offs - Closed Account Please Delete Permanently. 

XXXX XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX, Charge offs - Closed Account - Please Delete Permanently. 

XXXX XXXX XXXX, Charge offs - Closed Account Please Delete Permanently.
Product: Credit reporting or other personal consumer reports

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

There is an error on the accounts that your company is reporting on my credit report. I am upset that this is happening on my credit report. I want the company to remove this accounts as quickly as possible because of these inaccurate informations being reported by your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a TransUnion credit score drop of XXXX points with no reason why. I XXXX score is over 800. I paid off my home and the account was closed but I have less debt not more. There is NO reason given for an oer 60 point drop by TransUnion. This is not the first time I have had a problem with Trasnunion. I can not get an explanation with XXXX  or TransUnion. What is the problem with them?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : XXXX, Account name : XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) A 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

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Reference # XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year>
Product: Credit card

I had a credit card with American Express I am going to return and give up because they billed me for a XXXX Bill of {$140.00} and have refused to take it off my credit card and I will not pay for it as I never used the ticket. I called them and XXXX refused to give me credit towards another trip. According to the law one can not be charged on a credit card for something they did not purchase. I received no trip on the XXXX trip and will not pay for it to American Express. My card number is XXXX and I would like American Express to take my card back for fraudulent billing for a purchase I did not use the XXXX Bus Ticket.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found recent inquiries not done by me. This situation has caused my score to decrease. Please remove it from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX Oliphant XXXX account # : XXXX I have noticed that a collection account, which was paid in full, still shows inaccurate information on my credit report. Despite reaching out to the company responsible for the debt collection, unfortunately, the error has not yet been corrected. 

As a responsible consumer, it is crucial to me that my credit history accurately and fairly reflects my current financial situation. However, the persistence of this incorrect information is having a negative impact on my ability to access financial services and credit products. 

Therefore, I kindly request your assistance in resolving this issue. I would appreciate any help you can provide to rectify this situation as soon as possible. 

I appreciate your attention and cooperation in this regard. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I had unauthorized transactions and contacted paypal at XXXX as I obtained that number from the internet. I was given the employee name of XXXX XXXX at XXXX XXXX and a paypal employer ID XXXX. My case was NOT resolved, in fact they were obviusly fradulant. Yesterday I contacted another PayPal customer service and spoke to someone that told me they never give out employee ID #. This was phone # XXXX. Unauthorized charges include {$250.00} to XXXX XXXX, {$260.00} to XXXX XXXX, XXXX XXXX  {$85.00}. Are you able to provide me with any assistance? My email is XXXX and my phone is XXXX. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union I was just sitting here wondering if you could except a drivers license number from my state to identify who I am I mean I have proof that Ive sent you and certified mail and you still seem to cant verify me because this is beginning to be a hassle with the errors on my credit report or do I need to take legal action on the court date the attorney that you chose to represent you can identify and verify who I am! You are causing major destruction of my good name! Legally there are ways that you could verify me if you really wanted to but I really think that you choose not to but my next step will be going to the courthouse in which I have to show my ID to get a summons please respond so I know which proper route to take because this is very willful reckless on your behalf of me having negative information on my credit report and youre not taking any courtesy to try and identify me I know a lot of companies now I asked for a drivers license number and it certainly can identify it so you let me know Or otherwise Im gon na have to take legal action to get your response
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX  XXXX Balance : {$740.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$620.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$270.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

TO EXPERIAN, I recently went through my credit report and I observed a lot of inaccuracies and unauthorized reports on my profile. In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A 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. 
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 THE ACCOUNTS LISTED HERE HAVE VIOLATED MY CONSUMER RIGHTS AND I NEED IT OFF MY REPORT EFFECTIVELY. 
Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX By law, consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a " respect for the consumers right to privacy ''. 
PLEASE SEND ME A COPY OF MY UPDATED REPORT TO VERIFY AND CONCLUDE THAT MY CONSUMER RIGHT TO PRIVACY IS RESPECTED AND CONTINUES TO BE PROTECTED.
Product: Debt collection

I want to dispute this account. Its never belong to me You re the only XXXX bureau who reporting this negative information. Another XXXX bureaus are clean ant positive! This is illegall!!! 


XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX we deposited a check from XXXX XXXX XXXX for {$32000.00} into our son 's Chase account to pay for his vet school tuition. Chase, on the deposit slip, said that the funds would be available on XX/XX/XXXX. The funds were transferred from our XXXX XXXX account on XX/XX/XXXX. On XX/XX/XXXX the funds were still not available and the Internet Chase site stated that it would not be available until XX/XX/XXXX. I went to my local Chase Bank and the banker stated that sometimes Chase does this and that he would call them on Monday and make sure that the funds were freed.
Product: Credit reporting

I filed an official dispute with Transunion on XXXX. I stated that XXXX XXXX XXXX, a creditor on my file, as misstated my current account status. I supplied a current statement that verify the account status as " current ''. My previous account status was " Charged Off ''. XXXX has allowed me to bring my account back to a " current '' status. I want my credit file to reflect as such. On XXXX XXXX, 2016 Transunion return my dispute and stated that the Charge off Status will remain. I am not asking for anything more that my credit file reflect my current standing with XXXX. Transunion has not provided any further information to explain why they have decided not to update their files. I simply request that the account status be updated or the account be deleted.
Product: Debt collection

I was notified in 2016 by XXXX XXXX  via mail correspondence that I had a Personal Line of Credit that was significantly past due. At one time I had a checking and savings account with XXXX XXXX, but I had closed those accounts. I was not aware that there was a line of credit opened in my name. I attempted to resolve this issue at the branch closest to my home and no one seemed able to help me. They filed a fraud claim for me and they showed me the signature on file for the Line of Credit that the bank employee agreed, did not match my signature. The fraud department refused to help me resolve the issue. I asked how I owed money on a line of credit that I didn't know I had and have never used and they said it was from overdraft transfers from monthly service fees in accounts that had never been closed. So now I am in collections and have a bad credit rating because a line of credit was established for me without my permission and transferred money to cover overdrafts solely due to monthly service fees and not any purchases/charges that I made. The banker apparently sign me up for a line of credit to hit some sort of sales quota and I am left owing over {$700.00} to a collection agency for fees b/c of fees.
Product: Credit reporting or other personal consumer reports

Hello! I hope this message finds you well. I am writing in regard to an account that appears erroneously on my credit report with Transunion, XXXX and XXXX. The account is labeled XXXX account number XXXX. The account is listed with XXXX XXXX XXXX as a charge off. When I spoke with them, they did confirm the account was paid in full at that they requested it be deleted with all three credit bureaus XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX. I am not a 3rd party. I am who I say I am. This is my second time submitting a CFPB complaint and I am bothered that my complaints are being dismissed. I have been filing disputes with XXXX, XXXX  and Transunion since XX/XX/2021 and have not received information regarding their investigations. I have also filed an FTC report in regards to the inaccuracies being displayed on my credit report.