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

REMOVE FRAUD ALERT FROM EQUIFAX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an item on my credit report from XXXX XXXX XXXX stating that I owe {$940.00}. When I reported it to Transunion they said that they had to contact the company to verify if I owed the debt. When I researched it online, I found lots of complaints for this company in which they claim that people have $ XXXX {$1000.00} worth of unpaid magazine subscriptions. I have not had any magazine subscriptions in years and never in that amount. Further research stated that I should report it to the FTC which referred me to you. I do not owe any magazine subscriptions and I do not want this fraud on my credit report! XXXX XXXX XXXX shows as XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX.
Product: Debt collection

Several calls were made during my work hours. The person identified themselves as a representative from the legal standpoint representing ADP. Their phone number is +1 ( XXXX ) XXXX. They did not tell me which bank or financial institution they were linked with.

The discussion became verbally abusive.

Efforts were being mean to obtain information from me and harass me for money. Clearly a fraudulent scam call several calls for me during mine work hours. The person identify themselves as a representative hired from the XXXX XXXX. They did not tell me which bank or financial institution they were going to wait.

The discussion became verbally abusive.

Efforts were being made to obtain information from me and harassed me for money.
Product: Checking or savings account

Someone stool hundreds of thousands of dollars from my USAA checking account ending in XXXX prior to and ongoing theft after the data breach. USAA claimed that my account was not affected by the databresch and that transactions were normal, but the most shocking fluctuations the reported {$57000.00} or so in XX/XX/2023 amongst other months occurred during the breach timeframe. I live in a household with XXXX XXXX children and most of the transactions are for food and normal goods our rent is {$650.00} a month and electricity is usually around {$250.00}. This is obviously a form or type of fraudulent activity. Dare I say grand larceny. I had the XXXX XXXX XXXX write them a letter USAA FSB claims they were not aware about my concerns in the complaint that they responded too.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loans were reported on my credit report.. .I disputed the accounts with Equifax, XXXX , XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. US DEPT ED XXXX, XXXX XXXX, US DEPT ED XXXX
Product: Credit reporting or other personal consumer reports

The companies involved are the three credit bureaus : Experian, XXXX, and XXXX. On XX/XX/year>, I sent a letter

to these three credit bureaus requesting the removal of incorrect information from my credit report. This was after I opened a dispute for them to verify all the information. The incorrect information is in the public records section of my report. Prior to this, when I initiated the dispute, I also sent a letter to the court requesting verification of the information, and they informed me that they had not provided that information because they do not report to the credit bureaus. Upon receiving the letter from the court, I demanded that the credit bureaus remove the incorrect information they had claimed to have verified, and to this day I have not received any response. I will share the letters I sent. The letter demanding the removal of false information from my credit report was accompanied by a copy of the court 's response. Of these, XXXX never sent me any response in writing, but they did open a dispute because I received a digital notification. I never received any responses, and nothing changed. Experian also did not change anything but did open a dispute. XXXX responded on XX/XX/XXXX, stating that they had investigated and no changes were needed, which is false according to the court 's letter.
Product: Debt collection

I try contacting this company on XX/XX/2021 via certified mail requesting validation of the alleged debt and never received a response from the company. However the company still reporting as a collection on my credit report and damaging my character, by law and by the letter a sent to them via certified mail they had 30 days to respond with proper evidence and/or proof that I owe the alleged debt. Currently this company is in default by failure to reply with me, pursuant 15usc 1692g I have the right to this information within 30 days or if failure to respond it results on default and it needs to be remove from my credit report immediately by FDCPA ( Fair Debt Collections Practices Act )
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I reported an unauthorized charge on my Capital One account with the amount of {$450.00}, {$3000.00}, {$2000.00} a couple of months ago. They have denied my claim due to their investigation there was no fraudulent activity and I was to be responsible for all the charges which I think is very unreasonable on my end. I feel like I am being accused of doing some kind of fraudulent activity on my own account base on their investigation. When I was talking to the person in charge of my claim at the time they were saying that all of the evidence match everything about me from name, address, shipping etc. Then they sent me a report through mail with detail evidence. On their report indicates that shipping address matched but on the tracking information did not match because I live in XXXX and the delivery address was in XXXX. This tells me that their investigation was not very accurate and due to that they are making me responsible for the charges I did not make. I will attach the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation either
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX belonged to my ex-boyfriend. I filed a domestic violence case and was able to break the lease without having to pay anything. I had a restraining order filed against him and only lived there for 6 days. This should not be on my credit, it was not my lease and the responsibility is not mine.
Product: Credit reporting or other personal consumer reports

These inquiries must be taken off, as I am unaware of them and they were conducted by the company without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report.
Product: Checking or savings account

I 'm a XXXX and tenants deposit money into my checking account with fifth third bank here in XXXX, Ohio on XX/XX/XXXX a tenant deposited {$590.00} dollars into my account, I checked online and the money was listed as being in my account. on Saturday XX/XX/XXXX when checking my account the money had disappeared there was know record of deposit etc ; I went to bank branch I use and inquired about this mistake and was told by banker that money was deposited at branch XXXX XXXX XXXX XXXX, ohio XXXX, by XX/XX/XXXX I had not heard anything nor had my money been returned to me. I personally went to this branch and talked to a XXXX XXXX who is the banker, branch manager was at lunch, she researched and admitted something went wrong with deposit and bank manager would contact me in a day to explain what was going on. so far this is XX/XX/XXXX I have not heard from anyone and when I call to inquire no one seems to have the answer to what happened to my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings. I pray you and your family are save this covid season. I have been trying to reach these companies about the errors on my credit profile. They keep simply saying re-investigation over and over again when I have asked and requested them to please adhere to the law. Please see attached documents.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX CARD Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inqiuries : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
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 violates the customer financial protection act specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthmore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation e. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit card or prepaid card

In XX/XX/XXXX I took a credit card with US bank, US Bank XXXX XXXX SIgnature Card, at the XXXX OH XXXX USA branch for two reasons : 1. Although I have been a customer of US Bank for 14 years I was told I would be charged a monthly maintenance fee that could be avoided if I had a credit card with US Bank 2. That I could make a balance transfer from another credit card that would remain interest free for 12 months from the time of issue and as long as I made a minimum payment I would not be charged interest. 
When I spoke to the manager of US Bank XXXX OH branch whom issued me the card I was told that if I made purchases as long as I paid these off I would not be charged interest. 
I took the card with a balance transfer of approximately $ XXXX. 
Every month I purchased small amounts, of approximately XXXX or XXXX dollars and paid back a sum that was well in excess of this to ensure I was paying back for these purchases and also paying off the balance transfer. 

On XX/XX/XXXX I started seeing interest charges on this account that continued every month ( XX/XX/XXXX : {$13.00}, XX/XX/XXXX : {$9.00}, XX/XX/XXXX {$7.00} ). I then called the helpline for the card at approximately XXXX XXXX  on XXXX to find out why I was being charged these amounts despite the fact that I was paying pack way in excess of the purchases- {$100.00} on XXXX, {$250.00} on XXXX, {$250.00} on XXXX, {$600.00} on XXXX, {$150.00} on XXXX, {$1000.00} on XXXX - ( so that I could also pay back the balance transfer amount ) and it was many months before the interest-free period on the balance transfer expired. After speaking to an agent I was put in touch with her supervisor " XXXX '' who said that as per my agreement a portion of the paid amount would go to pay back purchases and a portion would go back to pay back the balance transfer. 
When I took the card I was never told this and was told that as long as I paid the amount needed to cover any new purchases there would not be an interest charged. 
I would also suggest that to any reasonable person it would seem quite obvious and fair that if a customer pays off a credit card it should be either made clear how much will go to pay for recent purchases and how much would go to the balance transfer and how much he or she would need to pay to avoid interest. None of these were revealed when paying off the card through the online website.
Product: Credit card or prepaid card

The dispute is with Chase. It is involving an interest charge that I do not think is fair. I carried a balance for a couple months and then paid the full balance. They charged me interest after I had a XXXX balance and claim it is due to the previous balance. I have had similar situations in the past and was never billed this way. I called and spoke with three people so far including a supervisor and I have been told they can not credit the account for this fee. The amount is not much which is why I do not understand why they cant credit this since I believe it was in error. The amount is {$28.00} which would be due by XX/XX/XXXX likely with more interest still on what should be a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX mortgage that was part of an approved short sale in XXXX 2013 ( the account ended in XXXX ). The balance was settled, there is a XXXX balance and the current payment status should reflect as such. It has been brought to my attention that all XXXX credit reporting bureaus are reporting the current payment status as 120-149 days delinquent. I was informed by a potential creditor that this information is technically considered a current delinquency by automated credit engines used to determine eligibility for credit. Additionally, XXXX XXXX who was also involved in the same approved short sale of my house is not reporting it currently delinquent, but reflecting the account closed and settled.
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Please have the reporting from XXXX XXXX XXXX and/or the bureaus corrected. Thanks
Product: Payday loan, title loan, or personal loan

The day before the payday loan that I had was due my account and card were both locked by Speedy Cash. I was unable to log into the account to make any payments or review loan information. The company said this was an internal security precaution and that I should use an ID to pay in person. After visiting a Speedy Cash branch, I was told that my prepaid debit card had been locked and that it would not be possible to process any future payments. Two years later, on XX/XX/19, a derogatory entry from a collection agency for a Speedy Cash payday loan, suddenly appeared on my credit report. I was not contacted by Speedy Cash in any way and did not receive notice from a collection agency.
Product: Credit reporting or other personal consumer reports

I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPLAINT WITHOUT FULLY INVESTIGATING.
Product: Vehicle loan or lease

I purchased a new XXXX XXXX XXXX which was financed through Wells Fargo at 4.99 % and I was told that after XXXX year I could refinance to lower my payments. Yesterday I called them to refinance and they told me that they could lower the payment from {$560.00} to {$540.00} but the rate would be 7 %. This does not really provide me with any options. The {$560.00} payment is too high. The folks that I spoke with were very non empathetic and gave me the impression that they could not care less about my situation and there was no attempt to try and resolve this issue. 
I have run into hard time and had to move into a place with a higher rent and so I do n't have the disposable income that I originally had to pay this high payment. All I am asking for is a reduction that will help me stabalize
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX transunion data furnishers are reporting inaccurate, irrelevant & outdated information on my credit report, all values arent correct. My balance from drivers financial is currently XXXX & there are NO LATE PAYMENTS but on my report these companies are furnishing inaccurate information such as late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & that my current balance across all credit bureaus are inaccurate which are ( XXXX XXXX ), ( XXXX transunion ) ( XXXX XXXX ). As stated before my current balance is XXXX with no late payments on my report. The consumer law states any inaccurate information shall be removed & updated within 15-30 days.
Product: Credit card or prepaid card

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information has been sold to companies I do not recognize, I did not approve of any on these transactions. XXXX actually not sure what/where the debit are coming from.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The following creditors and account numbers have no correlation to me. 
XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX, And XXXX XXXX XXXX has violated my rights. 



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.

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.

Unethical means of contact - creditors call family members and work places before contacting person on credit report. This values inaccurate and unsure cause of the correct person needed to contact.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account # XXXX Canceled {$1900.00} XXXX Account XXXX XXXX Canceled off {$700.00} *XXXX  XXXX Account # XXXX Canceled off {$710.00} XXXX XXXX Account # XXXX Canceled off {$3500.00} According to 15 USC 1681 s-2 These accounts has been charged off on my credit report and is defined by the IRS as canceled and is a gross income on my tax return. A lender that cancels or forgives a debt of {$600.00} or more is considered taxable income on my income tax return. I am not authorized to pay these charge offs because it is not a disputable debt. The debt has already been forgiven, its already been canceled, and it is now taxable income to me. I am requesting the deletion of this inaccuracy effective immediately or I will file a XXXX form on these companies.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts are inaccurately reported. Compensation of {$1000.00} is due for each incorrect entry on my credit file.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I recently filed a complaint TransUnion responded that they can not be removed. However that's not true I have attached the law pertaining to inquiries what they stated is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy and it was only deleted off my equivalent report not experian and XXXX