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

This pertains to all 3 credit report agencies XXXX Trans union and XXXX. I have extremely important questions about the credit reports that they have sent to me as requested im yet and still waiting on Trans union after multiple weeks. I absolutely can not get anyone to help assist me on the matters. Either my phone will ring and immediately hang up or I will get someone for 3/4 mins and the call drops., or I can never get through to get anyone! This is constant and my results every single time! Either my phone and line is compromised or this. No help! I have incorrect information on my account unknown countless insurance companies and utility providers all around the world auto loans loan notes dhs on my report, home loans, mortgage loans, financial counseling services, installment loans, sociL service agencies credit grantor credit card services and credit insurance.all unknown and does not pertain to me! Misspelled name on account, business and numbers fraudulent activity improper use of my account and sharing of informative delinquent and paid full unknown accounts. Missing basically my entire report of information that should be listed 6 different name id 's.
Product: Debt collection

this account was result of fraud and i never authorized this account and has been disputed numerous times with wells fargo to remove this account from my credit bureau ref Dillards account number XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, External Finance account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I contacted Experian about a ( closed paid in full ) charge off account I had with XXXX XXXX XXXX. Two weeks prior I filed a dispute with Experian about inaccurate information on my credit report. Experian did an investigation, which resulted in an update on my report about said account ( the update Impacted my credit negatively and was inaccurate ). I have been in close contact with XXXX XXXX XXXX XXXX original creditor ) about this issue and they informed me via phone and a professional email that they provided Experian with the correct information regarding my dispute. Experian is inaccurately reporting, negative charge off/derogatory monthly non-payments for ( XX/XX/2020 and XX/XX/2020 ) This is impossible, since the account has already been paid in full as agreed on XX/XX/2020. I have exhausted every option trying to rectify this situation with Experian. They have yet to fix this issue. The FCRA states that all information on an individuals report must be accurate and true, void of any inaccuracies. I have sent Experian documentation of my correspondence with XXXX XXXX XXXX and informed Experian several times that they are reporting inaccurate information on my report. They have done nothing. I pay for an Experian membership, and I yield to the laws governing fair and accurate credit reporting. This has affected my livelihood and my children, as I depend on my credit to sustain us through this pandemic. I cant now because Experian is deliberately avoiding and following the laws of the Fair Credit Reporting Act and its laws, and not fixing or removing the incorrect/inaccurate information on my credit report, after several attempts at making this issues known to them.
Product: Debt collection

I contacted these persons and requested an original consent form to share my information which was not provided and is a direct violation per 15 u.s.c 6801. 

Company names : Midland credit management XXXX credit bank Derogatory mark XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to dispute the accounts on my credit report that I believe are inaccurate, incomplete, or unverifiable. I demand that these accounts be removed immediately. Upon reviewing my credit report, I noticed that the bureau reported the following accounts : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, and XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}. I want to remind you that under the Fair Credit Reporting Act ( FCRA ), you must provide enough information to verify these debts. However, I noticed that you did not provide enough information to do so. Therefore, I demand that you remove these accounts from my credit report. I already submitted a dispute to XXXX regarding this issue, and they have already removed these accounts from their records. They found that the information provided by the creditor was not enough to verify these debts.
Product: Credit reporting or other personal consumer reports

I was out of the country almost 3 years. I just returned back receive a email a couple months ago but did not realize what was going on until XX/XX/2024 when I started to read what the email I got from XXXX XXXX XXXX  on XX/XX/2024 stated some of my information gotten out so I started to investigate what was going on and see, XXXX accounts was open in my name an i see XXXX hard inquiries in my name an I start to contact the credit bureaus to dispute. fraudulent item XXXX XXXX was not helpful to resolve. This matter XXXX and XXXX is investigated in it. I do not know what going to be the outcomes of it my next option is to file a civil lawsuit against these three credit bureaus because they are responsible to protect my identity. I put a freeze on my account and alert any inquiries that come in they must contact me none of these company never contacted me and XXXX XXXX XXXX, and XXXX, help these fraudulent people to create an account they must be hold accountable for their actions
Product: Checking or savings account

On Saturday, XX/XX/2021 my husband and I received a letter in the mail from our bank, PNC, located at XXXX XXXX XXXX XXXX XXXX in XXXX, PA XXXX. In the letter, it stated that my husband via email disputed XXXX payments. The three payments were to XXXX XXXX for our rent in the amount of {$790.00}, XXXX XXXX for our insurance in the amount of {$170.00} and XXXX  XXXX for our phone bill in the amount of {$190.00}. We did not put a dispute in. Not only did we not, but the bank never verified the dispute with us verbally or otherwise to check its authenticity. 
We called the bank and made an appointment to see XXXX XXXX on XX/XX/2021. Now please keep in mind, according to our statements, there was not a dispute showing nor credits given to us by the bank. While speaking with XXXX, I saw a discrepancy in their system regarding the three disputes. In each dispute, all three amounts had the decimal point moved three times to the left. Then it was corrected. Also in their system but not on our statement, it showed a purchase at XXXX  for {$1000.00} that we did not make. It was not until we arrived at the bank that the dispute and other strange activities showed up in their system and their system only. 

We then spoke to the assistant bank manager, XXXX XXXX. Like XXXX, he had stated that he too has never experienced anything like this before. He also said since we were credited the money that was disputed they were taking it back. We tried to explain, we were not credited any money, our books balanced and we did not put a dispute in. He said before any money would be taken from our account he would call us first. 

On XX/XX/2021 The bank took the money out of our account and locked it so we could no longer access it. XXXX XXXX did not call or would he respond to our calls. 

On XX/XX/2021 my husband went to the bank and met with XXXX. She said since we signed a contract stating we would not give out our information, theres nothing they can do. My husband filed a report with the FBI as instructed, as the bank felt the breach came from a loan attempt my husband tried to get for XXXX through XXXX XXXX. He did check them out prior through the XXXX  etc and no red flags popped up per say. 
I am in respiratory failure and am terminal. Both my husband and I are on permanent XXXX. How can they do this legally? I truly feel this was a breech on their end since our books balanced. Enclosed I have provided everything I could to help assist you. Statements from our end and what documents I could obtain from the bank and their system. 

Please, please, if you can help get our money back we would be so grateful. I know it may not seem like a lot. But its all we have. 

Thank you for your time. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix this problem with XXXX XXXX XXXX XXXX XXXX and Equifax I disputed this for paid in full or off of my credit report for fraud XXXX XXXX XXXX agreed to all the credit bureaus that the information was correct about me being a cosigner and on credit acceptance buyer declaration the terms and agreements were suppose to be on point but it's not the reason why saying this is if I told you I was the cosigner and all the three credit bureaus said it's correct about me being the cosigner why is my signature under the buyer and not under cosigner that seems fraudulent to me and needs to be on my account as paid or remove it off for fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a file below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the corona virus I was not able to make my monthly payment on my credit card. Discover Card put a negative mark on my credit report. I made a hardship agreement with them and they told me no negative marks would go on my credit. Well it did. Want it removed due to the sisuaction going on in the world at this time. And I set up a withdrawal every XXXX of the month.
Product: Money transfer, virtual currency, or money service

In late XXXX I used my CashApp card to complete a transaction on XXXX XXXX XXXX website. The transaction was completed and CashApp deducted the funds for said transaction. However, they experience a technical error and they return the funds back to my account. I did not receive any notifications saying that any money was added into my account. Furthermore, I did not receive any notifications saying that the technical error happened or that the balance needed to be settled. 

Over 30 days later CashApp decided to now take the funds back out of my account to settle the balance. When Cashapp decided to deduct funds from my account to settle a technical error that they had it put me in a financial hardship. When I initially purchased the chairs, I had more than enough money to cover said chairs. Unfortunately, at this time I do not. 

It is to my understanding that the transaction was complete, and no further action needed to take place. The money was taken out, put back in, and then taken out again. I have made several calls to cash apps customer service where i was hung up on i had their scripted rebuttals recited back to me, and there was no regard for the financial hardship they created or the emotional distress that occurred. I also went as far as to request to speak with a supervisor, and i was told that they do not have any supervisors that are available to speak over the phone they can only communicate via e-mail. I was then contacted by a supervisor close to their closing time. Furthermore the communications that I did have with their supervisor just reiterated a timeline that I was already made aware of. No concessions were made, I had even gone as far as to request a partial reimbursement because the technical error did not occur on my account. 

Specifically speaking, an authorization charge that took place XX/XX/XXXX at the cost of {$640.00}. As of XX/XX/XXXX or XX/XX/XXXX the authorization charge was dropped and there was an update oh a XXXX XXXX charge for {$620.00}. After the charges were updated I am assuming that that is when the additional funds were added into my account, which again i was not privy to know where or when any type of funds were added because there was no notifications, there were no communications about such activity. now as of XX/XX/XXXX, cash app has decided to deduct money for a transaction that occurred over a month ago. I am frustrated because i do not have extra funding to cover their technical error. Furthermore that money was intended for my special needs son child care
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove a fraud alert from my credit report. They have been denying and holding off the removal of the fraud alert from my credit report. The website has not been working for me for the past week. I DEMAND THE REMOVAL OF THIS FRAUD ALERT FROM MY TRANSUNION CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX for XXXX year and my automatic withdrawals were still processing- the bank knew i was in XXXX knew i was in hospital and knew that i had no way to respond, or any way to stop the situation and yet charged me horrendous fees, and then closed my account as a charge off due to the fees. I WAS SEVERELY AFFECTED BY PANDEMIC AND INSTEAD OF BANK PROTECTING MY ACCOUNT AND MY CREDIT THEY WERE ONLY CONCERNED OF THEIR OWN MONEY MAKING SCHEMES AND RUINED MY CREDIT. NO ONE CAN PUNISH ME NOR MY CREDIT FOR BEING XXXX XXXX XXXX XXXXXXXX AND AFFECTED BY A GLOBAL PANDEMIC. IN ADDITON - HOW COULD I HAVE POSSIBLY FIXED THIS ISSUE IF I WAS BASICALLY XXXX  IN XXXX AND CONTAGIOUS WITH XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX.. SOMEONE EXPLAIN? THE MERE FACT THAT I SPOKE TO THE MANAGER AT THIS BANK AND INSTEAD OF HIM RESOLVING IT AND EXCUSING ALL THE CHARGES HE ARGUED THEY WERE LEGITIMATE AND MY PERSONAL SITUATION HAD NO BEARING ON THEIR BUSINESS. THE CARE ACT FOR PANDEMIC STATES THIS CAN NOT BE DONE, I WANT IT IMMEDIATELY REMOVED FROM CHEX SYSTEMS, IN ADDITION THE FEES ARE WRONG I WANT THEM DISPUTED AND REMOVED AND I DEMAND MY DEBT CLEARED AS THEY TOOK THOUSANDS AND THOUSANDS OF DOLLARS WHILE I WAS XXXX XXXX XXXX XXXX. THIS BANK IS ALSO XXXX TO ANY ONE WHO IS NOT OF XXXX  ORIGIN AND TREATED ME LIKE TRASH EVERY TIME I WENT IN THERE. I DEMAND THIS RESOLVED - FEES CANCELED AND REMOVED OR I WILLL SUE AND GO PUBLIC.
Product: Credit card or prepaid card

I went to kohls. I spent XXXX dollars. The lady working asked me if I wanted to open a credit card. She said I would save 35 % on my total purchase. I told her for 35 % on XXXX bucks. It is worth it. So I agreed. She then ran my information and after I was approved she scanned her coupon for opening the account. I saw XXXX dollars taken off my total. I said to her, 35 % of XXXX is not XXXX bucks and she said I dont know what happened. She asked another cashier and the other cashier said most the items I was purchasing does not qualify for the 35 %. Well, the lady who opened my account said. Sorry I didn't know about the exclusions because I'm only seasonal help. I did not have my credit ran to save XXXX dollars. I was livid about it and especially not being disclosed all the information about opening the card. I asked to speak to a manager and they said there is nothing they can do. I also called corporate and they said there is nothing they can do about me getting the 35 % percent off as promised. I should not be liable for the whole amount charged to the card. I have been scammed for opening a credit card and they are acting like it is no big deal.
Product: Credit reporting or other personal consumer reports

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

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
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed on XXXX a few unauthorized credit inquiries. I did not authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

Premium Credit Bureau- XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX
Product: Credit card or prepaid card

On or around XX/XX/2021 I disputed a transaction with Navy Federal Credit Union regarding this alleged debt. Navy federal Credit Union has yet to handling my disputed accordingly to federal law. On XX/XX/2021 I received a bill statement by medium of mail requesting an minimum payment of {$20.00} with a balance of {$7200.00}. I deny this allegation. Pursuant to 15 USC 1692g I never received validation for this alleged debt, and pursuant to 15 USC 1692c. ( c ) I refuse to pay this debt.
Product: Credit reporting or other personal consumer reports

A late payment shows on my report for XX/XX/2024. I've tried to have this removed by the creditor who reported this to the bureaus. This late payment is not accurately reporting and was not applied to the report under legal jurisdiction. It has affected my report and also affects me from receiving future loans, and getting the best interest rates available. I've never had a late payment with XXXX XXXX  or any other company in all of my 26 years of having credit. For 26 yrs payments have been made on time, and this is disheartening to see me being taken advantage of after doing the correct thing for so many years. The balance of this account is {$1900.00}. Monthly payment is {$61.00}. This mistake is costing me thousands right now because I am unable to receive a school loan for my daughters college tuition from lenders. I have currently been denied by 2 of the top lenders already. Only utilizing 52 % of my total credit limit. There's also unauthorized inquiries from XXXX  XXXX XXXX and JPCMB. This needs to be fixed immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing regarding your failure to properly investigate my recent dispute concerning inaccurate, incomplete, and outdated negative items on my credit report. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure the accuracy, completeness, and fairness of information contained in consumer reports. 

Despite my previous dispute, these inaccuracies remain unresolved, and the negative information continues to be reported on my credit file. Specifically, I have reviewed my report and found that the items in question remain, demonstrating that your investigation was not thorough and in violation of my rights under Section 611 of the FCRA. 

This failure has caused significant harm to my creditworthiness, financial opportunities, and personal character. Your negligence in correcting these errors is not only damaging but also illegal. Under the FCRA, I am entitled to seek damages of up to {$1000.00} per violation. Please be advised that I will be invoicing you for each instance of non-compliance and the damages caused as a result of your failure to comply with federal law. 

If you do not address these inaccuracies and provide confirmation of their removal from my credit file within 15 days of receiving this letter, I will have no choice but to pursue legal action against your agency for your repeated violations. 

To avoid further escalation, I request that you : 1. Conduct a proper reinvestigation of the disputed items. 
2. Remove any inaccurate, incomplete, or outdated negative information from my credit report.

3. Provide me with a written confirmation of these corrections.

Failure to respond or comply within the specified timeframe will result in legal proceedings against your agency. I look forward to resolving this matter promptly.