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

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions
Product: Credit reporting or other personal consumer reports

I woke up to find unauthorized inquiries on my credit report, and I have no idea how they got there. I regularly check my credit report, but this time there were discrepancies that appeared out of the blue. I even tried refreshing my browser to see if it was a technical glitch, but the inquiries remained. I'm deeply concerned and request that the documents I've submitted be reviewed thoroughly so that I can be assured this wont happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several entries were left on the credit reports after two formal written notices regarding the erroneous items that are seemingly the results of identity fraud. 

The information was disputed again and has not been verified. 
The credit bureaus ( TransUnion and XXXX ) have openly admitted on a recorded line that they do not have a contract that was required to be on file within 7 days of reporting the erroneous information. The communications repeatedly lead to nowhere and are causing undue pain, stress and suffering as a result of the derogatory information found in my credit reports and resulting inability to get the financing that I need. 

I have the notarized copies and certified mail receipts for each interaction and would like to exercise my right to take legal action if the matters are not resolved.
Product: Credit card or prepaid card

Obtained credit under XXXX FInancing for Unlimited Upgrades for mobile equipment. 

Ordered equipment through XXXX XXXX ( XXXX ) # XXXX a XXXX  XXXX on XXXX XXXX. Was on back order. Shipped XX/XX/18 and arrived XX/XX/18. Purchased device under XXXX UNLIMITED UPGRADE ( UPGRADE EVERY 12 MONTHS NO QUESTIONS ASKED, ACCOUNT IN GOOD STANDING, HANDSET IN GOOD STANDING, ETC ) which REQUIRES one to use their XXXX FINANCING. 

I considered returning it when it arrived. Requested return shipping label. Decided to keep device, and did not return it. Account is in good standing, meets criteria for upgrading, and even received an upgrade email from XXXX telling me it was eligible for upgrade. 

I have attempted to upgrade the device from XXXX order under the UNLIMITED FINANCING TERMS AND CONDITIONS but since the returm was initiated and never completed, the order department is incapable of fulfilling the request " due to software issues. '' Specifically, their system ' can not fulfil the request because a return was initiated but you kept phone and even though you fulfilled the terms of the program and received an upgrade letter, we can not upgrade you because the system is not programmed /capable of addressing this. '' This is downright sales and credit fraud. 

Please address this. I can only use XXXX and have called 4 times and spent over 1.25 hours today on the phone trying to get a resolution, but they are unable to help, and I am stuck with a phone that I expected to be able to upgrade using their financing program. 

There is an incident # XXXX. 

Please help.
Product: Checking or savings account

The transaction was a bank to bank transfer that happened XX/XX/XXXX if XXXXI did not have that money in myaccount and I did not authorize it. I did dispute in XX/XX/XXXX 1 week total after it happened. After sending the police report of fraud and identity theft to them i did not hear anything else until i received a bill fir XXXX from the Huntington bank XX/XX/XXXX. 
I contacted XXXX XXXX to help. We have sent more paperwork in XX/XX/XXXX and still getting the run around we have been calling about every other week. Now today they said they have been disputing wrong. But it has been almost 2 years now and nothing done. Since then the account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Bank account or service

My bank charged me {$36.00} every time I used my Debit/credit card for a transaction when I did n't know my account was in overdraft. They never notified me that I was in an overdraft status. My overdraft fees are approx {$320.00}. I called and had them turn off my " Overdraft Protection '' on the debit portion, but they sated that I cant turn it off on the credit card portion and I would continue to be allowed to charge and would just incur a fee of {$36.00} each time I did so if my account was in overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion removed my XXXX account from my credit report so now my credit score is nonexistent. The account is not even reported as closed which would have given me a lower credit score but still a credit score that exists. The account has been completely removed from my credit report. I called TransUnion. They said to call XXXX to check the information on my XXXX account and report the account to TransUnion. Then, TransUnion will update my credit report. I called XXXX. They have the correct information on my XXXX account, so it does not make sense why TransUnion is not reporting the account. XXXX says they report daily and will report again tomorrow. Next, I try to get my TransUnion credit report to verify that my XXXX account has been readded. I am unable to log into my TransUnion online account so I can not view my credit report. Next, I try https : XXXX, but that also fails. Now they will just respond to this complaint with a generic copy and paste response telling me to contact TransUnion by phone to resolve this issue.
Product: Credit reporting or other personal consumer reports

Don't know how this account was open in my name. how is account opened in my name and then closed in my name and reopened as another account. it has a original loan amount of {$120.00}. Never received {$120.00} from this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, 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 Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Inquiries being challenged in list form XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information for TransUnion NAME : XXXX XXXX XXXX XXXX The information you provided is not XXXX date and does not meet XXXX XXXX XXXX for accuracy. I demand that you delete it now. My only name that you should have on file for me is XXXX XXXX. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please delete any address in your system that does not match mine. I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any address in your system that does not match my address of XXXX XXXX XXXX, XXXX, FL XXXX
Product: Student loan

We took out a Direct Plus Parent Loan for my daughter, the application only allows for one parents name on the application but does require input of the income for both parents ( my wife and I are married and file our taxes married filing jointly ). I am a XXXX and we recently found out about the Public Service Loan Forgiveness program. I called the loan servicer Fedloan to inquire about the program and was told since the loan is in my wife 's name she has to be the employee of a public service agency. I explained that the application only allows for one parents name but takes into account both of our incomes so it should be considered a joint account otherwise my income should not be considered when determining financial aid, the loan approval or the monthly payments. I believe they are interpreting the rules of the PSLF incorrectly and we should qualify or they should not be able to include my income when determining repayment plans for the loan or financial aid. If they are going to use both of our incomes then is should be a joint account. It appears they try to find any reason to disqualify you for programs that are meant to assist the borrower. They should not have oversight of these programs because it 's not in their best interest and they do not look after the best interest of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXXXXXX XXXX XXXXXXXX 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. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( 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. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX XXXX XXXX account with Transunion and demanded a deletion because they are reporting an inaccurate open date on this account. It is a violation of the FCRA for a credit bureau to not thoroughly investigate an account. It is a violation to continue to report inaccurate information on my credit report. Transunion states that they verified the account but how when the documents I received from XXXX XXXX do not match what it is reporting?
Product: Money transfer, virtual currency, or money service

My wife and I relocated to Georgia 1.5 years ago. For 9 months we've been out of a kitchen & laundry room ( insurance claim ). 

For the past 2 months we have been working diligently with Mr. Cooper to take action on the necessary steps required to have funds released for our contractors to complete the repairs and every single time we provide them with what they need, they change their tune and add additional requirements. 

We have spoken to Mr. Cooper at least a dozen times and they assure us every single time " that's all they need '' ... until it's not. 

Quite frankly, I believe what is happening is they are holding on to the roughly {$40000.00} to profit off of our hardship. 

This is ridiculous.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am submitting a formal dispute regarding inaccurate information on my credit report, which I believe is the result of identity theft. Specifically, there are collections and closed accounts with reported balances and late payments that I do not owe, and these accounts do not belong to me. 
I have provided a copy of the Federal Trade Commission ( FTC ) Identity Theft Report, which confirms that I am a victim of identity theft. I have taken appropriate steps to resolve the issue, including filing a police report and placing fraud alerts with the major credit bureaus. Despite these actions, certain accounts continue to reflect balances and late payments that I did not incur, and collection agencies continue to report debts I do not owe. 
I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information on my credit report be accurate and verified. Under this law, I have the right to dispute any information that is incomplete or inaccurate. In addition, I am entitled to request that any information related to identity theft be removed from my credit report if it can not be properly validated. 
The accounts in question are : I request that the CFPB assist in ensuring that these incorrect collections, balances, and late payments are investigated and removed from my credit report. If the accounts can not be properly verified as mine, I am requesting that they be deleted from my credit history, in compliance with the FCRA. 
I have already reached out to the credit reporting agencies and the collection agencies involved, but this issue remains unresolved. I am requesting your assistance in investigating these claims and ensuring that my rights under the FCRA are upheld. 
Thank you for your attention to this matter. I look forward to your prompt assistance in correcting these inaccuracies. 
Please remove the accounts listed above as they were not authorized by me. All accounts above were opened fraudulently and were not authorized by me. Please remove all of these negative accounts on my credit report as soon as possible.
Product: Debt collection

Ashley Furniture continues to contact me, calling for someone other than myself, and will not remove my number from this person 's account despite my having stated multiple times that that person no longer works here. It is disrupting to have them call when I am trying to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car from XXXX XXXX that was an XXXX  XXXX XXXX. I had the car from a few months. I volunteered and returned the car due to predatory practices. I was abused and felt compelled to invoked my rights as it pertains to the Truth and Lending Laws. The representatives at XXXX XXXX was understanding that the dealer that I bought the car severely overcharge me. The car has been sold, I was also notified that the closed account will be removed from account
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was at XXXX and this company that I just paid off stayed on my credit report so I disputed it! After the dispute, my credit dropped XXXX my credit was rising and I think the system XXXX me and I'm willing to continue this until others ( that probably look like me ) come forward with the same problems! These agencies are working to keep things looking bad and I want this investigated
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/2024 To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o for XXXX from XXXX XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/2024. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is taking my money for overdrawn account and sent it to collections as well thats illegal
Product: Debt collection

To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed XXXX XXXX XXXXXXXX XXXX XXXX XXXX that I wanted a little more explanation on, and it needs to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



FRAUD ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX delete it from my credit report, XX/XX/2023 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

I have been trying to get a house loan for about 4 years, but this collection account keeps showing, I have done all the steps necessary to pay back this debt, to the original creditor as well as the collection office, at this moment I'm requesting this collection to be deleted because of the fallowing reasons. 

I have made multiple attempts to pay it I have received no return phone call from them and the phone # s listed by XXXX and the XXXX for them hang up before anyone answers.
Product: Money transfer, virtual currency, or money service

Coinbase Pro has a serious flaw where a purchase order goes missing, but the funds get locked up as if the order is still there. This has led to all my funds being locked up and available for trades and thousands of dollars of missed opportunity, and the order eventually executing at a random time of Coinbases choosing. This is fraud and a scam, manipulation of other people money, and a serious breach of policy.
Product: Credit reporting or other personal consumer reports

I see many hard inquiries on my credit report that I did not authorize. I have not applied for or requested any credit.
Product: Debt collection

I owe a balance to XXXX XXXX XXXX I the amount of {$7400.00}. Keith D Weiner and associates, in XXXX Ohio, is the debt collecting agency handling the accounting. Their records state that I owe {$22000.00}. When in court, the agreed balance that I owed at the time to XXXX XXXX in 2019, was {$14000.00}. 

Keith D. Weiner has been garnishing my wages and have been receiving {$75.00} per week for the past 18 months. To my understanding, I only owe {$7400.00} as reflected on XXXX XXXX account and also on my credit. I do not owe the balance {$22000.00} that this debt collecting agency is asking for. 

Also, I would like to file a complaint against XXXX XXXX XXXX. They added an inaccurate remark on my credit report stating that they repossessed my vehicle when they have not. The vehicle is currently at my home and they refuse to pick it up because they say the value of the vehicle is not worth the amount that will be spent for the tow company to come out. They refuse to remove the remark until the balance is paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to the current evaluation conducted by the Credit Reporting Agencies. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}