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

Equifax reported 11 unauthorized inquiries on my credit file without my written consent dates XXXX irresponsibly and it damaged my credit worthiness reputation. After I disputed the inquiries, they were eventually deleted between dates XXXX but as a consumer my right to privacy was violated and I gave no consent to those 11 unauthorized inquiries. I am aware that equifax is civilly liable for damages to me by misuse of my consumer file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting {$2800.00} for job not authorized. I no longer live at the house which was sold during XXXX. ( XXXX ), A saleswoman came to the house in XXXX to sell windows. XXXX advice her that I was moving and did not need it. She pursued me to fill an application out and went over packages. After weeks she told me someone will get a hold of me to go over products and pricing. 
I called XXXX XXXX and they advised that due to XXXX there will be a delay in getting materials. I told them to disregard as I was selling the house. I was sent a XXXX XXXX credit card which I destroyed. Next thing I know 3 years later they are billing me and put it on my report. This is erroneous!! 

Due to identity theft credit cards were taken out in my name without permission : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reporting on my XXXX and my experian credit reports. It shoud not be on my report.
Product: Credit card

Chase bank sent me a statement for the month of XXXX, I have an auto draft of XXXX paying to them on the XXXX of each month. On the XXXX XXXX I wrote a check in the amount of XXXX to pay the entire bal which was shown owed. Chase recvd the check and processed on XXXX XXXX. On XXXX XXXX my account had a zero bal. On XXXX XXXX Chase charges my acct XXXX for intrest, which I was told by one of their Manager tonite that they charge intrest a month in advance. How can a person pay off a credit acct and then 3 days later the company charges intrest on a XXXX bal acct? If you recv a statement and there is a balance shown and you write a check for that amount ... How can Chase charge intrest on a paid off acct? I was lucky I went and looked at the acct, if I had n't they would 've changed me intrest then a late fee then it would 've made it to my Credit Beaurea shown that I was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am a victim of Identity theft. There are some fraudulent accounts on my report and they need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

This account is not accurately showing on my report. It should be closed and satisfied, yet its showing open and late. Additionally, since disputing they have updated the last date of activity when that is incorrect. This account is over 7yrs old, and I have not reached out, nor conducted any type of business with them since this account was charged off over 7yrs ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Amount is {$5900.00}, this account does not belong to me. This was opened, XX/XX/2019 2019
Product: Debt collection

Kingston Data and Credit opened a collection notice on me from XXXX XXXX for {$520.00}, from XXXX XXXX ; however, I never received notice from a debt collector concerning this matter, and I was recalled back to active duty ; therefore, I had called XXXX XXXX to cancel my gym membership during recall.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Product: Credit reporting or other personal consumer reports

( to drop into the comment section of a new claim HERE ) Greetings XXXX, I am requesting immediate XXXX action to remove all of the following hard inquiries from my credit report. 
In XXXX to code 15 USC 1666a : Regulation of credit reports, all hard inquiries made without my approval must be removed within XXXX hours to prevent any further damage against my personal credit history and active business endeavors on behalf of my company. 

PRIMARY DISPUTE : The following inquiries were not authorized by me and must be removed : XXXX XXXX of 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  By way of code 15 USC 1666a : Regulation of credit reports, I standby my rights to a fair & accurate credit report. I would like to express my advance gratitude to the CFPB for protecting my rights. Should this not be removed in XXXX i will follow up with a fee schedule that establishes the amount due per damage to myself, my company, and all other corporate personnel. 
Thank you in advance for your assistance. I am on standby for a confirmation number as indicative of the XXXX notice & implementation. 
Please contact me here for any further clarity or assistance. 
CFPB XXXX XXXX Sincerely, By Direction of XXXX XXXX XXXX
Product: Vehicle loan or lease

The Auto loan from the BofA was secured via the XXXX. I changed the loan within BofA for a better rate. I also requested for an auto-pay and it was acknowledged over the phone or customer care. Later I was reported as non-payment, i wasn't notified over letter and this has impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, its confusing to find out why do this account have to be reported twice on my credit report, same account same account number.. Second the account is always paid on time..You have to fix this account, verify and delete it, its always paid on time..I sent numerous letters to credit bureaus but they did not fix it..CFPB step up and fix the account XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelle was not allowing me to stop transaction sent to the wrong account
Product: Credit card or prepaid card

I made a purchase on a Sunday with XXXX. Hour 's later i canceled the order and never received the order. Here is a copy of the transaction XXXX XXXX, XXXX Pending* XXXX XXXX. XXXX WA XXXX XXXX {$150.00} I have called both XXXX and Citibank. XXXX stated over a week ago they refunded the charge as i canceled the order on the same day and gave me a refund confirmation number of XXXX. This charge was cancelled and i am still being charged for an item i never received. 

Citibank bank lied to me and stated they would do a three way call and then transferred me to another department that said that was not true and they do n't do three way confirmation call 's. 
I then was forced to cancel all my accounts with Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file the are a few student loan entries that does not belong to me, these student loans are a result of identity theft, which resulted with me filing a previous police report back in  XXXX , with the   XXXX   XXXX   XXXX   .  These student loans were opened up unbeknownst to me which I was  XXXX  ( date of  XXXX   Date t he fraud occured :  XXXX / XXXX / XXXX  ; amount  ( s ) :   {$1700.00} ; {$3000.00} These students loans are old and have been sold, repackaged, or transferred to another agency/ or department. The student loan issue was litigated back in  XXXX , and have since been removed from my repo rt (     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    and    XXXX   ).     Now, I Have "   XXXX   XXXX   XXXX    ; Dept.  of Education/NEL N ; US Dept.  of Education/GSL/ATL, posted on my report from the same time period the prior students loan information post posted previously, dating :  XXXX / XXXX / XXXX .     This same issue with the fraudulent student loans has come back and repackaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and the following accounts are fraudulent and I'm demanding that they be removed and blocked from my credit file. 
1 ) XXXX XXXX XXXX XXXX {$340.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX {$60.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Report Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i ( a ) ( 2 ) ( A ), 15 U.S.C. 1681i ( a ) ( 5 ), and 15 U.S.C. 1681s-2 ( b ) being the CFPB has filed a lawsuit against Transunion, alleging that the company failed to properly investigate consumer disputes, in violation of the Fair Credit Reporting Act. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. I have also included the accounts. 

These are the accounts I have marked as inaccurate. XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX  Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I was looking through my consumer reports and noticed 3 hard inquires on my TransUnion account and XXXX account. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy according to the Fair Credit Reporting Act. I did not provide written consent to report the following inquires on TransUnion : XXXX Card on XX/XX/XXXX, XXXX Card on XX/XX/XXXX, and XXXX  XX/XX/XXXX XXXX Please investigate and provide proof that I authorized the reporting of this information. IF proof can not be provided, I demand these hard inquires to be removed from my TransUnion and XXXX account.
Product: Credit card or prepaid card

Hello, I paid off everything on my credit card bill. Even though I did so, they charged me the usual interest fee I owed, when in debt. On my new bill, they still want to charge me interest. Even though I do not owe them anything except for my few new charges. I have contacted them about this via secure message through their website. It seems that I can not contact them anymore. I also asked to cancel my card. No response. I need help. 
Thank you
Product: Credit reporting or other personal consumer reports

XX/XX/2024 [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX NC, XXXX ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX  Block Request [ Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX s ) resulting from XXXX  that should be blocked and/or removed. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX NC, XXXX ]
Product: Money transfer, virtual currency, or money service

I attempted to make a payment to my landlord using PayPal on XXXX XXXX XXXX for {$2500.00}, and accidentally entered the wrong email ( it was a non-functional address ). I immediately cancelled the payment, within 3 minutes of initiating it, but the funds were subsequently removed from my bank account anyways on XXXX XXXX, XXXX. It took until XXXX XXXX, XXXX for the funds to be returned ( during which time my bank account was overdrawn, as I had to write a paper check to my landlord that was immediately deposited ). I attempted to call PayPal during those three days ( between the cancelled transaction and the return of funds ) to ensure the transaction was indeed cancelled and inquire about the status of my funds. I was unable to reach anyone when calling the Help Center, and when attempting to use their Resolution Center, received a message " Let 's try that again. Looks like something went wrong on our end. '' repeatedly, from different computers at different times. Eventually the funds were returned to my bank account, having caused an overdraft fee and damage to my credit score. On XXXX XXXX, XXXX, the same transaction was attempted again ( for {$2500.00} to an incorrect email address ) for some reason even though it was cancelled originally, and my bank was again overdrawn with the now completely unauthorized transaction to a nonsense email that had been cancelled. I was able to speak to a representative on the phone, but when I requested the ability to file a complaint and request coverage of my bank fees I was put on hold for an hour with no response. And I am still unable to file a complaint using the online Resolution Center. 

The result of this issue, the harm caused to me as a consumer, is three fold. First, I now twice have had my entire bank account cleared which leaves me without money, for emergencies or needs or anything. Second, I am incurring overdraft fees through my bank for a transaction I did not want to go through, twice. Third, my credit score will be affected, which has serious and long-term implications. The problem at the core is that I was unable to resolve the issue with PayPal via any of their supposed methods to resolve issues.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Department of Revenue Case Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XXXX XXXX However, to date, I have not received the requested validation. 

Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as XXXX, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, XXXX is not meeting this requirement. 

Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. 

Proof of your authority to collect this debt. 
A complete payment history, including the original balance, any interest or fees added, and all payments made. 
A copy of the original signed contract or agreement related to this debt. 
I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA.
Product: Debt collection

I switched from XXXX to XXXX on XXXX XXXX, XXXX. I called XXXX the same day to cut off services and asked for a final bill. I was told I owed {$33.00} and received and paid this amount ( see Final Account Invoice attached from XXXX  ). In late XX/XX/XXXX, I started to receive invoices from XXXX. I noticed recently that the account number had different last four digits. I made XXXX billing agent ( XXXX ) aware of this yesterday ( XXXX XXXX, XXXX ). 

In XX/XX/XXXX, I spoke with an XXXX  agent ( can not recall name ) and was told I do not have a balance, that the bills get generated before my account was updated. In XX/XX/XXXX, I received another invoice from XXXX with a different amount that noted {$13.00} credit. I called XXXX billing on the XXXX XXXX and the agent was unprofessional and rude, and told me I needed to pay as my service was through the XXXX XXXX, XXXX, although she confirmed that I cut off my service on the XXXX XXXX, XXXX. 

I called again on the XXXX XXXX and XXXX billing agent ( XXXX ) reviewed my account, told me that everything was in order, my final payment of {$33.00} was received and that I owed XXXX nothing. On the XXXX XXXX, XXXX, I received a call and caller said she was from a collection agent and I owed a debt. I explained to her that I did not owe any monies to XXXX, and told her it seemed like fraud and an insider in XXXX. She hung up the phone on me. A few days later, I received a letter from Collection Bureau of the Hudson Valley , Inc . I did not call the phone numbers listed. The Account number listed for XXXX is not the account number on my prior XXXX invoices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Office Of The Atty Gener : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX : Account # XXXX XXXXXXXXXXXX XXXX XXXX XXXX : Account # XXXX 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 then 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

I have submitted multiple disputes for incorrect information on my credit report to Equifax. Twice they have sent me a letter stating that they require additional identifying information because they are unable to locate my credit report. First of all, I am a subscriber to their company 's services, so the fact that they can not locate my credit report is baffling to me Second, I have submitted a copy of my Social Security card and driver license with each dispute. Furthermore, I have re-submitted the requested documentation to Equifax TWICE through both of the addresses they list on the letter ; they still can not seem to receive them even though I sent them via certified mail, return receipt requested, and have the signed receipts. This seems like an attempt by Equifax to avoid initiating or completing investigations within the 30-day time allotment.
Product: Credit card or prepaid card

NOTE : I previously submitted CFPB complaint # XXXX on XX/XX/2021. The Company, apparently in error, has responded to that complaint on XX/XX/2021 with the *exact* same response letter that they used to close a different case ( # XXXX ) on XX/XX/2021, even though the issues I raised on XX/XX/XXXX are completely different, and that letter is therefore in no way responsive to them. In fact, the very name of the document used to close both cases is the same, XXXX, XXXX XXXX XXXX XXXX. 

I must assume this was in error by Chase and not an intentional attempt to avoid responding to the CFPB complaint, and am therefore re-submitting the original detailed complaint below. 

I have concerns that Chase is not adhering to the Fair Credit Billing Act, as it relates to my rights to an equitable, timely, accurate, and fair dispute process. The Company is also failing to acknowledge and directly reply to my many inquiries, correspondence, and requests for information on this matter. 

Additionally, no one in the relevant departments has been made available to me to discuss my case in detail, to achieve a mutually satisfactory resolution, despite multiple requests and unreturned messages. Lastly, I have been refused in my requests to pursue arbitration on this matter, which I believe is my right. 

Also, subsequent to my prior complaint ( CFPB complaint # XXXX ), several actions have been taken that greatly reduce my confidence in Chases process, procedures, and oversight in this matter. To be clear, this complaint pertains to entirely new issues, as Chase, in its recent interactions with me, has made a number of new omissions, misrepresentations, and/or mistruths, apparently in an attempt to uphold its original improper judgment.