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

I'm sending this dispute regarding to hard inquires on my Transunion report, I pulled up my report from XXXX XXXX and noticed there a several hard inquiries that I have never authorized : 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  I have filed FTC report and included with this package. 
I became a victim of Identity Theft and these hard inquires are result of fraudulent activity. 
They must be removed from my report immediately. 
Please note : I'm not using any third party for this matter.
Product: Debt collection

XXXX XXXX continue to placed a repossession on my credit file against FCRA guidelines. ection 623 ( 5 ) ( A ) says : In general. XXXX XXXX furnishes information to XXXX, Experian and XXXX regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, I've made several attempts to notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
According to guidelines, This means that if a debt collector reports a date of first delinquency to the credit bureaus and the original creditor previously reported it, the dates must be the same date of first delinquency. Any different date constitutes illegal re-aging. 
A debt collector re-aging an account can cause serious damage to your credit files. Re-aging would allow a collection account to remain on your credit reports in-perpetuity. XXXX XXXX have re-aged my account. According to the credit bureaus, my first ( DOFD ) date of d first delinquency was XX/XX/2018 which is incorrect according to Experian.
Product: Money transfer, virtual currency, or money service

A couple sold us two kittens. XXXX XXXX XXXX company was supposed to deliver them. The whole operation is fraudulent. They gave confirmation of order, documents, tracking number and way to check on their site, XXXX https : XXXX Chase has now informed me the accounts have security and fraud flags - but still allow people to send money. Why? If you've been caught or under review why aren't XXXX services paused for those accounts and any money that's pending held? I don't get why they'd continue to allow fraudulent accounts to remain on their platform and use their services if they've known that there's an issue. 

Kittens : {$400.00} ( 2 payments of {$200.00} ) Shipping ( additional cost ) : {$300.00} ( they demanded {$850.00} to rent a specific carrier for the kittens to be sent in- which they promised to refund- have not delivered kittens and they have not refunded ) Other contacts they provided that are part of the operation were : They referred to themselves as " XXXX  XXXX 's '' and on the documentation for transport it says " signed by XXXX XXXX '' but these are the names they had in email and requested XXXX sent to : XXXX XXXX XXXX XXXX XXXX XXXX ( also XXXX account ) XXXX : Name : XXXX XXXX email : XXXX Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX email : XXXX ( XXXX for XXXX XXXX  ) XXXX  : Name : XXXX XXXX XXXX XXXX XXXX  XXXX Tracking code : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Disputed a public record on Experian the judgment is paid in full. Experian refuses to mark it as paid. I have sent them the paperwork online showing that the judgment is paid. Just received the copy of my credit report from Experian, and the judgment is still not marked as paid. I am a resident of New York State, and the judgment will be 5 years old in XXXX, this judgment needs to be off my report in XXXX 2016 according to the New York State 5 year rule. Below is the satisfaction of judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last complaint you responded and said you assume it wasn't me who filed the complaint. I don't see why you think it is someone else. No one is serious about my credit but ME! So please do not try to use more stall tactics to not remove this account. On XX/XX/2020 Is sent a letter regarding inaccurate fraudulent things on my credit report it has been over 60 days and to this day I haven't received any results. I feel like I am being taking advantage and ignored by the credit bureaus. Section611 ( a ) plainly states that failure to investigate this item within 30 days gives a reason to immediately remove this account from my credit report. Clearly it has been way longer than that. I demand this account be removed immediately or I will file litigation due to the stress you have caused me. My information has been impacted by the XXXX  security breach and may have gotten in the hands of the wrong person. Included is also the FTC report that I filed, sent to each bureau and they haven't conducted an investigation for that either.
Product: Credit reporting or other personal consumer reports

I noticed there were hard inquiries on my credit report that are not mine
Product: Credit reporting

I received a written letter from XXXX XXXX XXXX regarding an account with XXXX CO. The written letter offered the option to log into XXXX XXXX XXXX which would allow me to pay my account in full. I made the payment in full of {$840.00} which was withdrawn from my bank account on XXXX XXXX, 2016 ( please see attached payment receipt and bank statement ) and as of XXXX XXXX, 2016 XXXX XXXX XXXX is still reporting my account as OPEN and " Placed for Collection '' ( please see attached Credit Report excerpt ).
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Vehicle loan or lease

GM financial refuses to release our lien. On XX/XX/XXXX, I sent proof of the cleared check and copies of my bank statement to GM. I was assured our lien would be electronically released XX/XX/XXXX. My husband went to the DMV XX/XX/XXXX, they stated the lien had not been released. My husband 's contacted GM and they stated our payoff was reversed. We supplied for the second time, that the check had cleared our bank and provided statements for a second time. They stated that they received notification from my bank saying the check was not good. I work at the bank. I have proof the check was endorsed by thier institution, processed through thier bank and cleared my financial as PAID on the XX/XX/XXXX. We contacted GM again on XX/XX/XXXX and they refuse to provide answers because they don't make the decisions in " this department '' we have talked to a dozen people since Thursday XX/XX/XXXX trying to figure everything out. The automated system says our loan is paid in full and the title was released on XX/XX/XXXX however they will not tell us why they are refusing to release the lien. We have provided PROOF 3 days in a row that the check is paid. We have contacted the company, and are just short of filing legal action against the company if this does not get resolved. Attached is proof for the 4th time that the check had cleared and my bank statement showing the transaction for the withdrawal of said check.
Product: Debt collection

Flagship Credit Acceptance reported to the three major reporting agencies without consent. There's no signature or any contract in place that authorized them to report to the reporting agencies. It's not mentioned in anywhere in the contract, and I did not authorize them to report anything on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX. 
In XXXX of 2017 I was hospitalized and asked my spouse to make my Toyota Motor Credit payment for me. My wife 's English is not so good and we do not have children or other people that help us. So she called Toyota Motor and made a payment for the XXXX account which is less than our Toyota Motor account payment. The payment was received by Toyota Motor Credit for less and I was reported late on the payment for that month.

I wrote a letter to Toyota Motor Credit with explanation as what had happened but they refused to correct it as they complied with Fair Credit Reporting Act. 
My point is why they should agree to a partial payment when that is not the amount due. Had the system rejected the payment we would have known that there was a problem with the payment. But they gladly took a {$100.00} less payment and reported me late on the XXXX payment. I think that is not fair as they collected the payment, a partial payment must not be accepted and their system should somehow say that payment was not satisfied or a letter should have followed that only a partial payment was received and that the payment made did not cover that month 's payment due.
Product: Debt collection

I received a message from a family member that XXXX associates were trying to get a hold of me. I called the company with the correct case # and the gentlemen ( who did not provide his name ) asked if I was me by name and I said yes. I asked for the company name and he provided then started to go into details of a debt that I am unsure of without letting me know it was a debt collection call. I asked for info to be mailed to me at my address on file. He started to get hostile and claimed I have already received notices and kept trying to verify personal information. I claimed I have not received any notices and he asked why have n't I been paying my bills then. I told him I do n't have an account from the company they claim is the original creditor and to send me proof by mail. He kept trying to get me to verify personal information and I told him I am not verifying any personal information on the phone and he hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 or other personal consumer reports

In XX/XX/XXXX, I notice that someone changed my email address and phone number, and I reached out to Experian for help and to change it back in XX/XX/XXXX. Experian told me to verify my information by upload my ID and SS card and copy of Bill, which I did in XX/XX/XXXX, and I did it again on XX/XX/XXXX. 

I called XX/XX/XXXX, to see the status on my account and was told my case ( XXXX ) was closed ( not sure why ) and Experian could not give me a reason why. Now, today, XX/XX/XXXX, I was giving a new case number ( XXXX ) and to upload my information again. 

This situation is very frustrated. I need to fix my account. Any help with this would be appreciated it. 

Thank you.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account # 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

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I submitted my payment electronically through the CitiBanks application. They failed to post the payment. 

To inquire about the problem I spent 30 minutes on the phone talking to 4 different people, with long wait times in between, every time the operators came back from hold they acted surprise that I was still there. 

Not only were they unwilling to resolve their error, they hung up on me. 

The worst part is that this rewards card is the only option for reward through Costco. Absolutely terrible service.

In addition to this. Past experience, they reduced my approved credit line with no notice and they have reported a late payment on my credit that was their fault for failing to process the automated payment I signed up for and have been completely unwilling to fix their error. 

All in all a terrible bank that has no care or concern for their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law dated XX/XX/XXXX any public record must include name and address as well as dob or SSN I 'm order for it to be included in your credit file. The credit bureau has not updated this information and per the new law true bankruptcy tax liens listed does not include this information thus the bankruptcy and tax lien should be taken off my credit report.
Product: Checking or savings account

Dear All : On Monday, XX/XX/2021 in the afternoon, someone usurped my identity entered my online account, and affiliate in my account a beneficiary totally unknown to me and not recognized, and I make two online bank transfers : XXXX USD and XXXX USD Previously altering all the security parameters of both my account for example add a telephone number that no mine : XXXX XXXX XXXX and those of the bank, since my account did not have approval to make transfers for amounts greater than XXXX USD. 

I have been trying to formalize the complain in the bank and they do not take it from me because I am in XXXX despite having confirmed all my information by phone. 

According to the information indicated in the registry of my operations, the beneficiary of this fraud is named XXXX XXXX on behalf of XXXX, XXXX XXXX, registered in XXXX Principal AddressXXXX XXXX XXXX XXXX  XXXX, FL XXXX Please, help me to solve this fraud, this money are my savings and that of my family, I dont know what more to do! 

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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX : {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 a catalog account from XXXX was used by someone other than me without my knowledge or permission. I notified XXXX immediately that this was not my account-someone used the catalog that was in my name. They continued ho report delinquency to the credit bureaus so I notified them this was not my acccount. It was corrected for a short time but XXXX continues to report delinquencies knowing full well the account is not my responsibility.
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 credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also 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 the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also 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-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX, XXXX Floor, XXXX XXXX NEW YORK XXXX NY XXXX XXXX XXXX ) XXXX Amount : XXXX Account : closed Date : XX/XX/year>XXXX XXXX
Product: Checking or savings account

I have tried 3 times now to file a dispute on fraudulent transactions made on my bank account ( Chime ) due to hackling and compromising account information, and getting scammed by the same people who hacked my account. They have denied all 3 disputes, despite the supporting documentation I've sent them. I also had to file a police report and sent it to them. The hackers also closed my savings account and I had to call Chime to reopen it. Below is the statement I also sent them : I received a text message asking if my card was being used at a XXXX XXXX in Texas. Immediately after I replied no, I got a call from a man claiming his name was XXXX XXXX from Chime support, and asked me if k tried using my card at this hotel. I said no, he said he would help me replace my cards. Then he said he would need to close my account and make a new one for extra security. He proceeded to tell me that I needed to send the money I had in my current account to go to Pay Anyone and send the money in my current account the new account and provided me a number for the new account he said he was creating for me, I said it looked like a phone number and he said dont worry, it will come out looking like a phone number. At this point I was reluctant but he seemed believable, even thought I should have believed him. I thought maybe this was a new Chime protocol. Somehow he got some of my account information and then proceeded to ask me to confirm more of my information, so I did because I thought it was Chime support. He said I would get an email with access to my new account after I sent the money. I eventually figured out that my account was hacked because he was able to close my savings account. And kept asking me for my card information. After an hour and a half on the phone with him, I realized that this wasnt chime support and that I had been scammed. I dont know how much of my information he save, but please be aware that I only have ONE Chime account. I have changed my passwords, virtual cards, and my email. I immediately called the actual chime dispute center to report it and file a dispute. The number I was tricked into sending my money to is XXXX I DO NOT know this person or this phone number, I am not affiliated with this phone number in any way, or the account my funds were mistakenly sent to. There is someone sending out false text messages and pretending to be Chime Support
Product: Credit reporting or other personal consumer reports

I was dating this person for 6 years and without my permission my information was being used. I contacted all parties who was involved and ask them all to provide me with copy of any agreements and contracts. No one has done so and I been fighting none stop with the credit bureaus to do a thoroughly investigation and not accept just words of mouth. This has really Damage me my life and my credit. I need someone help because I'm afraid that nothing going to happen and I'm going to continue to suffer.
Product: Checking or savings account

This is my third complaint to the CFPB on the same issue. 

I have been trying to close a checking account with Chase and retrieve my money since XX/XX/XXXX. I submitted a second complaint on XX/XX/XXXX. Today is XX/XX/XXXX and I have still not received the check, which is in the amount of nearly {$2000.00}. 

Chase claimed to have sent me a check in XXXX. I never received it, and am increasingly certain that they didn't send it. I've spent hours upon hours on the phone and in bank branches trying to solve this problem. They told me that federal law required that I have a form notarized at a Chase bank. On XX/XX/XXXX, I visited the Chase branch at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The form was notarized and faxed BY THE BANK BRANCH to Chase corporate. They responded to my last CFPB complaint saying they did not receive it, and they closed the complaint without action. I emailed the form to them again directly, per their request. They have not confirmed receipt. I'm going to upload a picture with this complaint for a document trail.

If one of the biggest banks in the world, in partnership with the CFPB, won't give me my money back, what recourse do I have? The press? Another banking regulator? I am utterly shocked that this level of corporate bullying would be permitted in XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I was taken aback by the numerous mistakes in reporting. The inaccuracies I discovered were truly surprising. 


I don't know why these companies are putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

Please investigate and take a look at this accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX regarding the inaccurate reporting of bankruptcy information on my credit file. The bankruptcy, filed on [ Insert Filing Date ], has been reported to the credit bureaus, despite the bankruptcy courts confirmation that they do not report any information to the credit bureaus. I am requesting that XXXX XXXX XXXX provide evidence of their permissible purpose and proof of consent for sharing this information with the credit bureaus. 

Issues with Bankruptcy Reporting : Courts Statement : The bankruptcy court has explicitly stated that they do not report information to the credit bureaus. This raises questions about the source of this bankruptcy reporting.

No Proof of Consent : I have not been provided with proof that I consented to the reporting of my bankruptcy to the credit bureaus, nor has it been validated whether XXXX or any other third-party vendor had permission to share this information with the bureaus. 

Unlawful Reporting : As XXXX, XXXX or other data furnishers may be involved, I dispute the lawfulness of the reporting process under 15 U.S.C. 1681e ( b ), as this data may have been shared without legal consent or permissible purpose.