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

I was taking advantage while several laws were being broken under the FCRA by your company. This has cause my financial injury, Defamation of character, i couldnt get a job, apply for credit. You have hurt my ability to obtain credit. Below are the list of inquiries i request to be removed. 

XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Financial )
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that credit agencies shouldn't be allowed to put an inquiry on my file unless I have authorized it. Transunion refuse to have these inquiries removed from my credit file and it is making it very difficult for me to acquire credit. Transunion have not provided me with any information on how they verified these items. 

If they do not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

The FCRA states that the only permissible purpose for pulling someones credit is for : Firm Offer of Credit Insurance Employment Court Order The following credit inquiries are related to none of the aforementioned permissible. 

If these inquires are not removed i will be forced to file a XXXX Complaint, and pursue litigation against Transunion for violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my information on the Experian website after identity theft, their website prompted me to call them. I called and the amount of prompts to get to the person they told me to contact was more than 5. Theyve made it extremely difficult to dispute due to identity theft. XXXX in disputes transferred me to XXXX XXXX. XXXX was insensitive and rude. Experian not only made the process of disputing items on my credit report difficult, they have determined that the will leave the inaccurate information as they research it. I find it highly unacceptable. Also, they promote their premier membership as Im going through identity theft and may provide subpar service in an effort to force me to upgrade. This is all unethical.
Product: Credit card

recently received a copy of my credit and noticed I have fraudulent accounts on my report and hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b - 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 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 TransUnion XXXX XXXX XXXX XXXX  TransUnion 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 XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion 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  TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion
Product: Debt collection

I have never heard of this company nor have I ever had any business dealings with them. They have placed negative reporting on my credit report causing my credit report to go down tremendously.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquires that I did not authorize and I'm requesting that they be deleted immediately.
Product: Credit card or prepaid card

All of it began on or about XX/XX/2021. On this date, I received a total of {$760.00} for XXXX transaction disputes I made - and these XXXX  transactions were provisional credits, as per Regulation E. Immediately, I attempted to use my Revolut ATM pre-paid debit card at an ATM to withdraw my funds and I was declined. I made numerous attempts to use my funds, as I received an email that the funds were mine to freely use, as per Regulation E. I Immediately contacted the company, Revolut via XXXX App to complain I was unable to use my funds. The agents refused to tell me anything except they would pass my complaint to the relevant Department. I asked what Department the agents were referring to, and they said they weren't allowed to tell me. I followed up daily and was told the same thing, until I was finally advised my account was being closed. I was also informed no credits credits any nature would be credited as my account was closing. It was then, on XX/XX/2021 I was allowed to transfer these funds via ACH to my XXXX Bank Account by XXXXXXXX XXXX During this time, and I'm not telling about a completely different matter, I also had a credit of {$200.00} being returned to me. Nearly everytime I contacted this Company, Revolut, their agents kept referring to 'the relevant department ' and I was unable to acquire the name of or communicate to this Department and the agents routinely engaged in unproductive communications or purposefully, they would keep stating my account was closing and " we are sorry you are upset about it ''. Finally, after filing a formal complaint with this Company, the {$200.00} was credited towards a now negative account balance. I had requested this credit be sent to me in check form or via ACH to my XXXX Bank Account and I never received a response to my request. I immediately wrote customer service who would not address my concerns. Further, I received an in-app notification my {$740.00} ACH Transfer was experiencing problems and it was delayed. To this date, I have never received this ACH Transfer and the company has since stated the Dispute I filed was improper and that Iost and has since debited my account the same and which is why it is now negative. I feel Revolut had improperly serviced my account. I feel Revolut has engaged in improper and illegal behavior as I feel they have retaliated against me for my numerous complaints and subsequently and routinely refused to acknowledge or discuss my many complaints. This Company has violated my Rights in relation to Regulation E and I never was able to use these funds 'freely ' as their email states.
Product: Student loan

Allied Interstate is continuing to call my job and work, after I asked them 3 different times to stop calling my work. Collecting for XXXX. They 've had a HIGH turn over rate since I 've been dealing with them so I never get the same person for long. Every time I call to make a payment and my contact information is reviewed, and again yesterday XX/XX/XXXX and today XX/XX/XXXX they 're calling my job asking for me. 
Name of the school at the time of loan was XXXX University, at the time I did n't realize I was taking a private student loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Transunion XXXX XX/XX/XXXX I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Inquiry from XXXX XXXX on XX/XX/XXXX. 
I contacted I contacted XXXX XXXX who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested Equifax remove any and all fraud alerts from my credit report several months ago. I was told it could take up to 30 days but has been more than 90 days and is still showing on my latest report
Product: Vehicle loan or lease

After I was made aware that they were investigating my first complaint via this agency, they update my credit report by only removing the settlement amount from my insurance company not the complete removal allocating the difference between payments of settlement and amount owed. I have continually supplied Mercedes Benz financial with the gap insurance documents concerning said vehicle and policy that was purchased straight through their company. When looking through my online account with Mercedes Benz financial they currently state that I owe XXXX dollars in XXXX of XXXX. They continue to falsely report on my credit report, honor the gap insurance purchased via Mercedes Benz financial themselves and now are holding up millions of dollars in EIDL funding due to their misreporting that a balance of approximately XXXX dollars is actively owed on the account. This account is closed and paid in full yet they refuse to close it out in a timely manner and in concerns to all insurance and/or financial institutions which operate in this great country the USA they must act in good faith and if not they risk civil penalties concerning damages suffered by such bad faith actions including but not limited to monetary damages suffered. The employee investigating the first report does not return calls or questions and Mercedes Benz Financial continues fraudulent reporting to the credit bureaus forcing me to make payments continually in order to secure more payments while they delay in their first investigation of the primary complaint. They have collected over XXXX dollars from me in addition to the settlement received from XXXX. Customer support was contacted this day of XX/XX/XXXX as representative XXXX, refused to release last name, assisted confirming no payment due until XXXX for some odd reason as the reasoning was unknown to even him. He advised that they will continue to report payments and active status until finished in processing which now has been over 4 months. Settlement negotiated that of XX/XX/XXXX as advised of total loss settlement by XXXX customer service. Mercedes Benz financial agreed to release the additional payments made to account through their blackmailed activities forcing me to pay for this entire period. Now today this customer service agent states no such notes are on the account. The lies and deceptive nature of this institution will be evident through my pursuit of reasoning of such activities must be addressed and damages paid in full.
Product: Credit card

Care Credit by Sychrony Bank closed my account. Their reason is because I have other cards with balances and my credit score is a bit low. First, they greatly reduced my credit limit, and now they closed it. 

This is an unfair business practice. I was never late with any of my payments. All of my accounts are in good standing, and so was Care Credit. Now I do not have a card for medical emergencies, including pet care. I contacted them and they were not understanding and said once a decision is made, they can not reverse it. 

I do not think they have the right to do this.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXXXXXX XXXX XXXXXXXX Balance Owed : {$16000.00}.
Product: Mortgage

i've been out of work since XX/XX/XXXX due to laid off from XXXX i've had it 3xs and been struggling with health issues. i've been trying my best as a single mom of XXXX and trying to keep up with my bills but its been so hard for me i don't want to lose my home its all i have for little family i've been doing part time jobs and they dont last long or do i make enough im behind all my bills about to also lose my only vehicle i take my children to school and doctors when needed. i see my medical provider for my XXXX when its really high he puts me on medication to help me control it. my last job only was 5 months and now im laid off since XX/XX/XXXX im scared to lose everything when ive tired every single day to keep on going and look for work please help me i need really bad debt no matter how sick i fill every morning from stressing myself in pushing not to give up i push my self to try to have a better day. ive gone to community in action 2xs for help and all they tell me is that they dont have funds at the moment for me to try other agencies. so far im crossing my fingers and praying someone can help me i appreciate the time given. 
thank you and god bless you all XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on the account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$850.00}
Product: Checking or savings account

Subject : Complaint Against XXXX and U.S. Bank Account Opening Declined Due to XXXX Validation Issue Dear Consumer Financial Protection Bureau, I am experiencing an ongoing issue with opening a savings account at U.S. Bank. Despite having an excellent credit score and strong consumer behavior, I have repeatedly been declined from opening an account and applying for credit. 

The reason cited for these denials is that XXXX can not validate my credit file, which prevents U.S. Bank from proceeding with my account opening. I have previously contacted XXXX to resolve this issue, and they assured me that it was resolved within seven days. However, upon reapplying, I was met with the same denial for the same reason.

I am submitting evidence of both instances where I attempted to open an account and was declined. This ongoing issue is causing significant harm to me as a consumer, as I am unable to access the credit I need for both personal and business endeavors. 

I kindly request that the CFPB hold XXXX and U.S. Bank accountable for this matter and assist in resolving it promptly. 

The inability to open a savings account and apply for credit due to Experians failure to validate my file constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ), as it unjustly hinders my access to financial services with a public institution. 

Thank you for your attention and assistance. 

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

Privacy and confidentiality under the 15 USC 1681 Account XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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.

15 U.C.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 or other personal consumer reports

On Friday XXXX XXXX I received a credit alert from my credit monitoring service that a collection account had been added to my credit report. I immediately logged in and saw that XXXX XXXX had added a collection account in the amount pf {$4300.00} to my credit Equifax and XXXX credit reports. I contacted the company and informed them that the account was not mine. The representative told me to contact XXXX. Upon contacting XXXX I was told that I had to submit an identity theft report to have the accounts removed. According to their files the account was opened in XXXX, Tennessee in XXXX. During that time I was still on XXXX XXXX in the XXXX XXXX XXXX and was living in XXXX, XXXX  and could not have obtained this account. Im attaching to this dispute a copy of my military retirement orders as well as my XXXX showing that my actual retirement date was XX/XX/XXXX and that I retired to XXXX, XXXX XXXX I resided in XXXX, XXXX until I moved to XXXX  in XXXX XXXXThis fraudulent information is causing irreparable damage to my credit file and will affect my ability to obtain credit in the future. Im asking that these accounts be blocked from my credit file until a proper investigation is done to prove the validity of this account in accordance with FCRA 605B ( 15U.S.C. 1681c-2 ). Failure to do so will leave me with no other choice than to report your agency to the state attorney general and seek civil penalties for not being in compliance with consumer protection laws. I have also uploaded a copy of my FTC identity theft report. I sincerely thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXXXXXX Balance {$12000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$5600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report agencies refuse to delete unverified bankruptcy on my credit file. I have sent several letters in the past two years asking for proof by providing me with documentation with my signature on it. Instead they sent me a bogus letter saying they verified the information as ... being accurate. No documentation with my signature on it was provided to me in accordance with the FCRA Section 609 stating that the CRA 's credit agency must provide the consumer with the original signed contract or they must delete. They say they verified this bankruptcy filings with the clerk of the court but the clerk of the court does not verify that information with 3rd party. So they are lying and continuing to report these inaccuracy on my credit file which is against the federal law. I am also requesting the names, addresses and telephone numbers of individuals they contacted so that I may follow up. I want this unverified bankruptcy deleted immediately. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute.
Product: Credit card

I would like to file a formal complaint. I have a Paypal Credit account that unlike many other credit account allows for " flex '' in the credit limit. This flex allows for charges to appear to go through and be approved to be charged to PayPal Credit but in turn charge through directly to a linked checking account. This form of lending does n't seem to be fair. If the transaction is approved by PayPal, the charge on the account should be honored rather than forwarding it to the checking account. Having these additional charges go through after they appear to have been approved has caused overdrafts on checking causing me to be in bad standing with my primary financial institution. This is deceptive lending.