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

I have an account reported from XXXX XXXX that doesn't belong to me. I contact the credit bureaus to remove the inaccurate account they reported that it was verified as mine but when I asked what was used to verify it was me. Still no response. I have fraud protection as I was a victim of fraud. When I contacted lending club they could only provide an old email that the account was connected with, XXXX. That account was hacked several times. They couldn't provide documents showing how the account was opened online. This is an old account that I just discovered on my credit file. I never received about the account. Plus there are several address reported on my file that I've never lived at. I provided the credit bureaus proof of my residency. How can account be placed on my file without proper communication or notification?
Product: Credit card

I applied for SRCA In XXXX because i was on an XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. It has been going on 4 years since I initially told them about my XXXX status. My current apr is 18.99 % according to SRCA I AM entitled to 6 % apr with any credit cards that were open prior to service. I have had this credit card since XXXX. I have contacted navy federal numerous times regarding the status of my SRCA CHANGE they always say 45 days and it will Apply. Nothing ever changes. This has called a financial hardship because anytime i pay anything on my credit card it ends up being over credit limit due to the amount of fees and interest charges. I find my self paying for a credit card that does not get used.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX ( Orig. Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Orig. Creditor : XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My Employer information on my credit report is inaccurate as well. I have requested to have my Employers on my report corrected, this is a violation of my consumer protection rights.
Product: Payday loan, title loan, personal loan, or advance loan

Omni violated the Military Lending Acts prohibition on requiring repayment of loans by allotment and the Electronic Fund Transfer Acts ( EFTA ) prohibition against requiring that consumers preauthorize electronic fund transfers as a condition of receiving credit.

Omni also violated MLA interest rate provisions, roll over provisions, and failed to make due consideration of borrowers ability to repay.
Product: Credit card

I opened a credit card with capital one XX/XX/XXXX. For some reason, they blocked my card before I could use siting fraud/possible identify theft reasons. I submitted everything they needed to prove my identify including my social, drives license and bank statements.
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. I have been sending countless letters appealing to Equifax to verify the disputed account and remove them if unable to prove that the account is mine. Equifax is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged accounts. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance : {$22000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance : {$6700.00} ; ( Original Creditor : XXXX XXXX ). 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I went to Experian 's website. I had recently had a identity theft scare, and was trying to do my best to protect my information. I knew that I could take preventative measures by requesting that my credit be temporarily put on hold, and it was my understanding that the law required that I would not have to pay for this protection. I did this for all three of the credit reporting sites. 

Today, XX/XX/year>, I was checking my bank and credit card accounts to try and figure out if I could afford to buy groceries this week. That is when I discovered a pending charge for {$27.00} dated for today. After a quick search, I found that there were a total of three charges on my credit card from " Experian Credit Report. '' They were all for the same amount and dated one month apart, starting back on XX/XX/XXXX. 

I know that I did not knowingly agree to a monthly subscription fee. The only services I ever received from Experian told me of possible threats to my identity and offered to assist me if I paid them money. I had assumed these emails were marketing scams. I didn't realize I was actually paying to be intimidated. 

The total money that they charged, {$81.00}, may not seem like a lot to a large, internationally traded company. But when you are trying to decide how much you can afford to eat, it is enough to tip the scales. 

The fact that they do this is sick. In our society, we don't get to chose whether the Experian Company 's report affects our lives or not. Experian is one of three company that gathers intel, makes calcuations, and then spits out a numberical judgement of us that will be used to determine so much of our abilities in this world. There is no opt out from their influence. We should at least be able to know whether or not Experian are extorting money from us like XXXX XXXX XXXX.
Product: Credit card or prepaid card

I purchased a bluebird card at XXXX. I paid a XXXX dollars service fee for this card. The instructions indicated was to register the card online at bluebird 's website. Upon attempting to register it. I was unable to register this card online so I spoke with bluebird support. They told me the card can not be registered and was ineligible to be registered. I inquired with them how to get a refund for the XXXX dollars service fee I paid. They instructed me to go back to XXXX where I purchased a card to obtain a refund. I went to XXXX and they refused to refund the money. They said prepaid debit cards are nonrefundable. Bluebird is  advertising a product that is sold through XXXX. Because I'm unable to register at this product is defective and I want a refund of the service fee I paid. XXXX will not give me a refund neither will XXXX.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited technical issues, which XXXX violate the XXXX Funds Transfer Act ( XXXX ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

I have no medical debt. I have insurance from the state. They should have billed them. I was unaware that the debt was owed.
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 lunder 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

Please see my previous Case Number for - XXXX. 

XXXX  XXXX said the inquires on my account will be removed but it still hasnt for my XXXX equifax XXXX XXXX  score and fico score. I was advised to wait 60 days for the changes to reflect and have those inquires removed but up until now it stills shows XXXX  XXXX inquires on all my credit reports. please see attached letter you sent me. 

am in the middle of applying for my mortgage so please set urgency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau Subject : Complaint against XXXX, XXXX, and TransUnion for Violation of Consumer Rights and Failure to Address Disputes To Whom It May Concern, I am writing to file a formal complaint against XXXX, XXXX, and TransUnion regarding the inaccurate and negative information they have reported on my credit report. This complaint is in connection with their blatant disregard for my consumer rights, lack of response to previous disputes, and failure to provide proper verification for the alleged debts. 
I have diligently followed the appropriate procedures to dispute the negative items on my credit reports that I believe to be inaccurate or misleading. Despite submitting disputes, none of these credit reporting agencies have honored my requests to rectify these inaccuracies. This repeated lack of action on their part is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Furthermore, I have not received any adequate method of verification from XXXX, XXXX, and TransUnion to substantiate the validity of the reported debts. As per FCRA guidelines, I am entitled to receive detailed information about the method used to verify the debts in question. The agencies ' failure to provide this information further exacerbates their violations of my consumer rights. 
The accounts in question are as follows : XXXX. XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX. - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to XXXX, XXXX, and TransUnion 's negligent actions, my creditworthiness has been unfairly impacted. This not only affects my ability to secure loans or credit but also imposes severe financial hardships upon me. I am therefore seeking monetary damages of {$1000.00} for each violation of the Fair Credit Reporting Act, totaling {$6000.00}, to address the undue distress and harm caused by their actions. 
I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate action against XXXX, XXXX, and TransUnion for their repeated violations of my consumer rights. I trust that your agency will work to ensure that my credit report is accurate and fairly reflects my credit history. 
Enclosed with this complaint are copies of the previous dispute letters I have sent to the credit reporting agencies, as well as any correspondence or responses I have received from them. Please do not hesitate to contact me if any further information is required to assist in the resolution of this matter. 
Thank you for your attention to this important issue. I look forward to a prompt and thorough investigation into this matter and the resolution of the violations I have outlined. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok ... I signed up for Experian credit monitoring. I noticed there are 2 addresses that do not belong to me and I don't know the people who live there. I filed a dispute. They denied it. At the same time I noticed 3 negative accounts on my credit report. All 3 accounts are the same account! I filed a dispute. Of course denied. Today XX/XX/XXXX I called Experian and spoke with XXXX with XXXX XXXX. He refused to even assist me with these errors. He told me I needed to find out why they were on my report. THAT IS WHY I CALLED THEM WAS TO FIND OUT WHY THEY HAVE INCORRECT INFO ON MY ACCOUNT! Then He tells me to call XXXX  and XXXX to find out why the info is on my reports .... WHY WOULD I CALL THOSE CREDIT BUREAUS AND THEY DON'T HAVE THE MISTAKES ON MY REPORT????? Nothing he said made sense. I want these errors corrected!!!
Product: Credit reporting or other personal consumer reports

I woke up this morning to find inaccurate accounts on my credit report, and Im completely at a loss for why this is happening. I check my report regularly, and Ive never had an issue like this before, so seeing these errors out of nowhere has me deeply concerned. I even tried refreshing my browser to see if it was a temporary problem, but nothing changed. This issue has left me feeling helpless, and I urgently ask for my submitted documents to be double-checked to put my mind at ease once and for all.
Product: Credit reporting or other personal consumer reports

CFPB, Equifax is not cooperating I called them over the phone about addresses listed on my report that I never resided. I will have a list attached with the addresses I never lived at.
Product: Debt collection

It has been more than 6 years since I was at the hospital. The hospital never billed my insurance. SO, the statute to collect has ended. 

XXXX XXXX XXXX XXXX Balance history XX/XX/2023 XXXX 2023 XX/XX/2023 XX/XX/2023 Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Student loan

I currently have a student loan in the amount of almost {$17000.00} my original loan amount was around XXXX to XXXX the student loan is currently 13 years old and even during covid and deferment the student loan continued to appear on my credit report which has hindered me in many ways from receiving financial help with different agencies currently right now all student loans are in deferment until the end of XXXX of 2022 and every month I'm getting a new updates of my student loan being posted to my credit report which have lowered my credit score tremendously at this current moment I am facing a financial hardship with loss of employment recently denied unemployment supposed to receive child support payments haven't received any in years income currently at XXXX unable to make payment arrangements even though the loan should still be in deferment and not appearing on my credit report much less being posted to my credit report twice a month which continues to decrease my credit score I would like to receive a failed resolution as to what services are provided to me as a single mother of XXXX children recently laid off from work and currently has no income I would like help with a resolution rather than continuing to deal with the student loan posting things on my credit report which is making things even harder for me to move forward with obtaining employment a place to live and etc due to my credit score continuing to degrees because of the matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to get an unvalidated bankruptcy removed. Several attempts have been made over the past 6 months to get full validation of who, when, and where the bankruptcy was confirmed by. After doing an investigation myself, the United States bankruptcy court does not do any business let alone report to credit bureaus. There is a security freeze on my XXXX data minor file that has been there for quite some time so who received the validation from those two companies?
Product: Credit reporting or other personal consumer reports

I have fraudulent inquiries on my credit report that I demand to be removed immediately I have already filed a FTC complaint, the following are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These creditors has violated my rights XXXX/Transuion XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Friday, XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Late Transactions Reporting on Consumer Report To Whom It May Concern, I am writing to address a matter of concern regarding the reporting of my transactions with your company on my consumer report. The specific account in question pertains to the interactions between the consumer, XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( 2 ) ( a ) ( 1 ), the term " consumer report '' does not encompass reports that exclusively contain information related to transactions. As such, my transaction history with your company, involving XXXX XXXX, should be excluded from my consumer report. 



In light of the legal provision mentioned above, I kindly request the immediate removal of this transaction from my consumer report, or alternatively, the removal of the item marked as late. It is essential that my consumer report accurately reflects my financial history in accordance with applicable laws. 



I understand that compliance with the FCRA is imperative, and I trust that you will address this matter with the required diligence and promptness. Your cooperation in resolving this discrepancy is greatly appreciated. 



Please provide a written response to confirm the actions taken to rectify this issue. If any additional information or documentation is needed, please do not hesitate to reach out to me at the address provided above. 



Thank you for your attention to this dispute. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries. I am not aware of them, and the company proceeded without my permission.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been trying to dispute a charge on my Amex on XX/XX/2020 for {$99.00} at a gas station in XXXX CA. I was in XXXX XXXX  at the time. As soon as I received the amex text of the charge i called to cancel my card. On the phone, the lady told me to wait until the charge goes through in order to dispute. I did just that and a message stating it may take 30 days showed up. I then received a message from amex saying the vendor has some sort of authorization form and amex will go ahead and charge me. I reopened the dispute again. Again, the amex website said for me to wait 30 days for it to be resolved. I just got a message back saying again that the vendor provided some document and that i will be charged. I called amex 10 minutes ago and the amex rep said my disputes were never completed and only now was it completed and it will take 45-60 days!! I am tired of the runaround and am concerned the time will elapse for me to dispute the charges. Also, amex seems to take the side of the vendor that somehow illegally obtained my card info. I am an attorney. I will not risk lying about a {$100.00} claim and jeopardize my license. Thank you for your assistance.