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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  opened in XXXX of XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, or hard inquiries as reported. The aforementioned account, collection, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. Identity Theft XXXX XXXX XXXX Case Number : XXXX As A Consumer By Law This bankruptcy Must Be Removed Immediately. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 3. Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 4. Identity Theft XXXX  XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 5. Identity Theft XXXX Account XXXX : XXXX As A Consumer By Law This account Must Be Removed Immediately. 6. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 7. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This account Must Be Removed Immediately. 8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Mortgage

CMG is cheating me out of the opportunity to remove PMI. I submitted my written request on XX/XX/2022. CMG requested 30 days to review. Fair enough... 

Their response didn't come until XX/XX/XXXX- a full 60 days later. At this point, they simply sent a canned denial letter with further instructions on how to remove PMI ( if you qualify ). I did full bathroom remodels, down to the studs. I am a candidate for an appraisal, based on their rules. I submitted this all in writing on XX/XX/XXXX. 

I called XX/XX/XXXX to check the status of my PMI removal claim. Nobody from the " Pmi department '' takes phone calls at CMG. I'm forced to wait on their proven late responses. 

This appears to be a stall tactic, as the market declines- all the while hurting my chances to remove PMI based on current XXXX ratios. 

All I'm asking for is what's fair - a market appraisal to see if I qualify to remove PMI. CMG is very difficult to work with, and I see many similar complains on the CFPB website.
Product: Checking or savings account

On XX/XX/XXXX I paid a individual two separate amounts of {$1100.00} and {$230.00}, on XX/XX/XXXX {$280.00}, XX/XX/XXXX {$140.00}, XX/XX/XXXX {$300.00}, and XX/XX/XXXX {$900.00} for consultation, aid for housing and student loan deferment. The individual never showed up to the meeting after I paid him. I asked for a refund. I filed a police report and I reported problem to my bank. I have proof through text messages and phone calls that the individual never responded or showed up or provided any service guaranteed to me and that I requested a full refund. XXXX from Chase bank stated that I needed to contact XXXX XXXX for a refund and when contacting XXXX they stated Chase is the main card holder and I would need to contact the bank. This request is for services not rendered that I paid for. I had no knowledge of any potential scam and filed a report with police per Chase complaint department. Thiss not a duplicate request. Its a second separate request. 

Claim # XXXX Police report # XXXX Thank You. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found an unauthorized inquiry on my credit report today, and Im completely confused about how it got there. When I checked my report, I noticed unusual discrepancies that werent there before. Refreshing the browser didnt help, and the issue remains. This is very upsetting, and I urgently need the documents I sent to be carefully examined to resolve this once and for all.
Product: Credit reporting or other personal consumer reports

THe account is not mine, My name isn't even on the paprework.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that my account was properly investigated but how is that possible if the balance is in accurate, open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate ( please see attached credit report ). This is ground for removal they also violated my rights under. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A section XXXX states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the credit bureaus took more than 30 days to complete my investigations here is my certified mail tracking number. XXXX XXXX ; TransUnion XXXX ; XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian is in violation of FCRA 611, 616, 617, 621 et al. Experian continue to report inaccurate information deliberately despite numerous request by mail and online to make the necessary corrections.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 card

On XX/XX/XXXX I booked a rental vehicle from XXXX and prepaid a total of {$2300.00} via Chase Travel using Chase card ending XXXX ; I used a combination of credit and points. Upon returning above vehicle to merchant on XX/XX/XXXX I was once again charged {$2400.00} on Chase card ending in XXXX. 
I've disputed these charges twice ( XX/XX/XXXX and XX/XX/XXXX ) via Chase requesting a refund to one of my cards as I only rented 1 vehicle with the same confirmation # XXXX. I've reached out to the merchant via phone on 3 occasions ( XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ), representatives have verbally acknowledged the XXXX distinct charges and have elevated the matter for said reservation, however an adjustment has not been made after approximately 2 months of me seeking to resolve. I have receipts and account transaction records that I am able to pull via chase.com and XXXX. I have requested on XX/XX/XXXX and XX/XX/XXXX to XXXX via representative on the phone to provide me with itemized receipt and payments received by me including third parties- they stated they sent me an email but I have yet to receive any correspondence. Chase claims representatives were also contacted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, Chase representatives opened claims and I uploaded all supporting documents. Chase representative on XX/XX/XXXX stated that XXXX makes the decision to decline or approve disputes, so I would need to contact them. On XX/XX/XXXX I filed an online inquiry on the XXXX site and I immediately received a response stating that the financial institution is responsible for addressing disputes with the cardholder. 

The XXXX receipt issued on XX/XX/XXXX demonstrates that I did not incur additional fees that would equal over {$2000.00} and does not acknowledge the previous XX/XX/XXXX booking made through Chase Travel. I did not authorize additional services nor coverage, and I returned said vehicle with a full tank of gas, all of which XXXX can verify with their issued receipt. Chase is now acknowledging the charges that were made by the merchant and are deeming my third party booking through Chase Travel as non-refundable in credit and points I earned along the years.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within XXXX 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. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion '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 proceedings ( FILE No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. The accounts reporting inaccurately are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX, I was a victim of identity theft and filed an FTC report and a police report in XXXX. I notified XXXXPacific Royal Funding of my hardship and my ability not to pay because of me being a victim of identity theft and money being stolen from my bank account I have since then sent them numerous requests asking them to remove this late payment from my credit report which in return they failed to do so on every occasion the negative remarks on my credit report are affecting tremendously by law any inaccuracies accrue to me must remove due to me being a victim of identity theft. i just want this matter to be took seriously.
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 XXXX  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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting or other personal consumer reports

According to the consumer reporting agencies, my information was breached through the following credit bureaus ( XXXX, XXXX, trans union ) I received a check from XXXX because of the breach. Enclosed is a copy the check
Product: Credit reporting or other personal consumer reports

There is a account on my credit report from XXXX XXXX with the account number : XXXX. 
I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information. For example, my name, social security number, and date of birth. Only a signed contract between I the consumer and XXXX XXXX would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 

I have not received any Debt Validation Notice from XXXX XXXXas they were lawfully required to per FDCPA laws. 
Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery or receipt that XXXX has sent a Debt Validation Notice to I the consumer. Written and verbal communication directed via FDCPA was not provided to I the consumer ; allowing me to properly dispute this invalidated debt. 

Enclosed is an invoice requesting {$1000.00} per account that is unlawfully reported on my consumer report. If no proof of delivery to the address below prior to XX/XX/XXXX, I am entitled to compensation of {$1000.00} per violation. Only verified documentation will be accepted for proof that your company followed fdcpa laws. 

Address : XXXX XXXX XXXX, XXXX XXXX XXXX This is a demand to CEASE AND DESIST as well as a notice of unlawful conduct and failure to distribute proper notice. Please remove this account off all my consumer reports immediately. 

Failure to remove this account off of all my consumer reports and failure to pay the invoice due to I the consumer will result in further legal action as well as the filing of a FTC report for Identity Theft per The Privacy Act of 1974
Product: Credit reporting or other personal consumer reports

The XXXX account in question was paid in full and discharged with a 1099A that was accepted by the IRS and a copy B was sent to their CFO and indentured trustee. This paid in full account is still visible on all Four of the credit reporting agencies after I sent a written affidavit enforcing my right to opt out. They are still in violation of unlawful reporting to the four consumer credit agencies XXXX, XXXX, Experian and XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution as part of the Electronic Fund Transfer Act and Regulation E. These actions have caused significant financial loss and inconvenience, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This private student loan was opened in XXXX and I renewed an in-school, XXXX XXXX deferment/forbearance form every year as required by XXXX XXXX, signed and certified by my school 's official. I called every time to request the form to be emailed to me, then sent the form back and followed up in a week or so to ensure it was received. My forbearance form in XXXX was no different ; I called to ensure it was received, and the female representative stated it had been applied as requested and would be good for another academic year. I thanked them. A few months later, I noticed on my credit report 2 late payments, significantly dropping my credit score. I was shocked and called XXXX XXXX. They stated they would apply the in-school deferment and did so starting XX/XX/XXXX, but never removed the incorrectly reported late payments from XXXX and XX/XX/XXXX. I also never received mail, e-mail, or phone calls telling me I had a payment due. I have repeatedly attempted to contact XXXX XXXX to no avail ; calls were escalated, I would wait on hold for hours, and eventually be told that it was a specialized department and someone would have to call me back. I never received a call back. In XX/XX/XXXX, the loan was sold to another servicer and there is apparently no one at XXXX XXXX I can speak to any longer. This is extremely frustrating and simply wrong.
Product: Credit reporting or other personal consumer reports

I mailed a dispute to Equifax, which they received XX/XX/year>, showing that my credit report was incorrect. Since XX/XX/year>, Equifax has been showing I have no credit history, this is impossible as even their XX/XX/year> report showed I had 2 credit lines. The lines are still open, and other credit reporting agencies such as XXXX and XXXX correctly show that. Equifax doesn't even report the lines were closed, they've simply vanished. 

I provided proof of the credit lines, as well as Equifax 's own XX/XX/year> report showing the credit lines existing, and still just two days later, XX/XX/year>, Equifax marked the dispute as completed even though they never put the two credit lines back in my report. My report still shows no credit history, even though I provided Equifax 's own documentation showing that to be impossible. 

It is ridiculous that Equifax provided credit reports showing the lines existing prior to XX/XX/year>, yet does not acknowledge their own documentation. They stubbornly continue to report, falsely, that I have no credit history. This has made obtaining loans a nightmare as on can imagine. This is the 4th time I've informed Equifax of this massive error, 3 times including the one I talk about here by mail, and once by CFPB. They have not made right and fixed their error. 

It should not be the responsibility of the individual to make sure a credit bureau acknowledges it's own previous reporting, this whole ordeal has shown me how incompetent, and downright dangerous Equifax is. The fact that the other two agencies have never abruptly disappeared information from reports shows just how broken Equifax must be behind the scenes. The amount of hoops I've had to jump through, from the automated phone tree not allowing me to speak with customer service, because it uses questions from your credit report ( according to Equifax now I don't have one ), and if you don't have one, shocker the bot breaks and refuses to let you talk to an agent, to providing an abundance of information to Equifax, even their own credit reports, all for them to do nothing, it's just insanity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My full legal name is XXXX XXXX XXXX. Equifax, XXXX and XXXX incorrectly list my name as XXXX XXXX XXXX. Please help me to correct and restore the accurate spelling of my name on my credit reports generated by Equifax, XXXX and XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

As of XX/XX/year>, I should have received a refunded amount of {$120.00} from Affirm, through XXXX refunding me money back from my order in full. It has been confirmed through XXXX and Affirm that the amount has been refunded in full to put back into my account. However, Affirm refuses to give me the refunded amount that I was given back. I've worked with XXXX to try to receive it back, as they have confirmed that they refunded me the amount in full because my packages never came. On XX/XX/year>, XXXX refunded me the amounts of {$82.00}, {$34.00}, and {$5.00} for my purchases that never came. I have photo evidence of the conversation being had, as well as Affirm confirming that XXXX did in fact refund me in full. However, I tried to speak with Affirm and they said the only amount they would refund me is the {$5.00}, which is highly unacceptable, as XXXX has said they refunded me the full amount and that it should be returned to my bank account and card on file. Which, Affirm also has the appropriate card on file. I filed a dispute, but Affirm wants to deny me the money that is to be refunded to my account, even though XXXX confirmed the money should be refunded to me.
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and noticed that this account was not reporting accurately. i had no late payment and it shows as a charge account which is simply untrue. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. the account is - XXXX. with highest balance of XXXX XXXX and it was opened on XXXX. XXXX. XXXX this account is showing false information so i ask for an investigation on this account across all XXXX  XXXX  credit bureaus.my social security number is XXXX.
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies experian, XXXX, and XXXX has lower my credit score because of late payments and utilizatio

n rate and unauthorized remarks which i never gave a written consent to be On my report and they are not authorized to move or jmpact my credit without my witten consent and is acting on behalf of a principal and is not the principal or fiduciary of My estate or trust and can now show proof in law where they can impact my score because of utilization or late payments where it is not mention in law it is not my job to teach workers about the law it is their duty to fulfill their oath. I RESERVE ALL RIGHTS WITHOUT PREJUDICE PURSUIT TO 15 USC1-308
Product: Mortgage

I sustained major damage to my property as a result of a tropical storm in 2017. I had to restore the roof on the commercial property and Wells Fargo was fully aware of the property damage. I have a letter in which they clearly state that they would grant me a 3 month grace period to allow me time to repair the property after the storm. They now claim they have no proof of allowing me the opportunity to do so by way of the grace period. As a result, they foreclosed on the property based on falsehoods. They should be investigated as I can produce the document which counters their claim of not being aware a request for grace period when the action was actually voluntary of their behalf. 
I also think that Wells Fargo falsely charged my account for insurance that I have always carried.
Product: Debt collection

am not liable for this debt with XXXX XXXX  I do not have a contract with XXXX XXXX XXXX, XXXX, they did not provide me with the original contract as i requested