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

Hi I am submitting this 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. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. 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 from the fraud department I prefer to speak to a XXXX 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 three negative credit items outstanding debt now. 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 its been 60days n they record the calls n admitted they had my police report XXXX 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.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the account number ( XXXX ), I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a auto loan account opened at XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  under the account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on myconsumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft andfraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below Account Name : XXXX XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX ( Original XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX  Account # 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 a account without my written instructions.
Product: Debt collection

Eastern Account Systems has been calling maybe once a week for a couple of months saying they were collecting on a debt for XXXX XXXX. I don't know the dates of the calls but each time I told the collection agency that XXXX said I don't owe anything and they never called a collection agency. I called the collection agency and told them this and they said, " Well, then how did we get your information? '' I asked them to please take the derogatory credit off my credit report ( which had showed up today ) because I don't owe anything. They said they wouldn't do that until XXXX verified with them that the debt had been paid. I called XXXX and they said they don't do that unless there was a debt with the collectors. So I'm stuck between a rock & a hard place and now my otherwise stellar credit report has an unpaid debt on it. Supposedly, the debt was reported in XXXX of 2024, according to Eastern Account Systems, in the amount of {$230.00} and later was reduced to {$100.00}, which is what showed up on my credit report. I had signed up with XXXX in XXXX but it took a couple of weeks to get everything going. How do I get this off my credit report if they won't talk to each other?
Product: Debt collection

Notice of pre-litigation Radius Global Solutions LLC has reported a debt to XXXX, XXXX and XXXX. Radius has not provided any documents stating who they are nor collecting for and the written consent to furnish inaccurate, unverifiable information to my consumer report. This is aggravated identify theft ( 18 USC 1028a ), extortion ( 18 U.S.C. 894 ). The lack of the SSA 89 form is proof that you havent gotten written authorization from the Social Security Administration to use my private information. This is false and misleading representation. Radius is using extortionate means to collect a debt by furnishing false and inaccurate and unverifiable information to my consumer report. GLB ACT provides that you and the company that may have assigned the alleged debt must be authorized to do so to any unknown third parties. Please provide the SSA 89 Form authorizing you to open an account, FDCPA notices prior to furnishing the information to the credit reporting agencies and written consent given to you by me ( consumer ) to furnish this discriminatory information. 

Provide Proof Immediately and remove this derogatory information from my consumer report. I refused to pay any alleged debt to this company and I do not know this company at ALL. I have never did business with this company however they have my private information without the consumers consent. posting this information to my consumer report alleging a debt ruining my reputation and stealing my identity. WHO ARE YOU and how did you get my information.
Product: Credit reporting

The website was very confusing. There are XXXX things WRONG on my personal record. 
XXXX WRONG addresses : ( I looked them up on the Internet ) I never lived at XXXX XXXX XXXX, XXXX , TX . XXXX ( it 's low rent housing ). 
I COULD N'T have lived at XXXX XXXX XXXX, XXXX, TX. ( it 's a XXXX ). 
I was NEVER employed at XXXX XXXX XXXX. They manufacture XXXX XXXX XXXX. 
When I lived in XXXX, I was the morning radio partner of XXXX XXXX at XXXX. 
I was known as " XXXX Summers '' on the air, as ALL people in show business, do NOT use their REAL names to protect their PRIVACY. 
Yet, somehow, my REAL identity was STOLEN, and I 'M the one who 's been fighting it for30 YEARS now.
Product: Debt collection

XXXX XXXX  has informed me to contact the Servicer ( SLS ) and now I have been declined information from both the so called Servicer SLS so called owner XXXX XXXX. XXXX XXXX  stated SLS in fact is not affiliated with XXXX XXXX  in anyway ( per the 4 letter attached from XXXX XXXX  ). These statements from XXXX XXXX & SLS are misleading, deceptive and confusing. Per Servicer : ( SLS ) Specialized Loan Servicer is unable to comment on concerns regarding the servicing of the account with the prior  servicer ( s ) as we stated " they ( SLS ) are not a party to the transactions. '' Further, SLS is unable to comment on concerns regarding the origination of the account, the underwriting of the account, the clear chain of title and ownership, and the subsequent bill of sale of each mortgage assignment on my property deed. SLS is unable to release the lien on the account as balances remain at this time. 

PLEASE NOTE THIS IS NOT A DUPLICATE COMPLAINT
Product: Checking or savings account

Every time I try to file a dispute with Cash app, they always close my dispute. Ill never get anything resolved. I had to close accounts open up new accounts a couple of years ago. There was nobody there at Cash app to really take a phone call and when I try to file a dispute duty app, I always used to get an email back saying that my account is going to be closed and I never even get my money
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting as a loss by credit grantor but is showing 2 different balances {$4200.00} & {$7300.00}! Last time account was active was in 2022 how is still still reporting charged off on different years & bureaus! Please remove this account due to inaccurately reporting it! It is in violations of my rights to a fair credit report!
Product: Checking or savings account

My husbands debit card was used without his permission for the following amounts : XX/XX/23 {$43.00} XX/XX/23 {$110.00} XX/XX/23 {$23.00} XX/XX/23 {$43.00} We filed a dispute with XXXX on XX/XX/23 and were issued a new card. That card was used without his permission for the following amounts : XX/XX/23 {$53.00} XX/XX/23 {$43.00} XX/XX/23 {$130.00} We filed a police report and another dispute explaining we thought someone had potentially taken his card without his knowledge but no matter what these were unauthorized charges. I was told my dispute was settled and no error was made because similar charges had been made within the last 90 days ( it was to a donut shop ). So apparently you cant have unauthorized charges to a place you ever go to. I was also told that it was a chip on chip transaction but as I explained, we suspected the card had been stolen. I have never had this much trouble getting my money back from an FDIC insured account.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX XXXX XXXX XXXX XXXX  '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I filed dispute complaints with Experian for inaccurate late payments on my credit report as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have filed numerous complaints with Experian regarding above. I have requested proof of their investigation depicting how they prove an individual is actually late on payments. They have failed to do so each time and continue reporting my account as late. This is impacting my credit significantly. Yet, Experian fails to act in good faith and do their due diligence to properly investigate these complaints. In addition, the complaints I filed were related to inaccurate late payments. Within Experian 's response ( s ) to my dispute ( s ), they state " the incorrect account '' remains. My complaint was not based on incorrect accounts. This was filed on inaccurate late payment. In addition, I am pending Experian 's response to my dispute regarding XXXX XXXX XXXX XXXX. I am requesting Experian to remove all late payments within 30 days of this complaint if Experian fails to provide proper documentation showing their proper investigation practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send over several dispute letters re : XXXX wring late payments. XXXX is reporting that I made a few late payment back in XX/XX/XXXX and XX/XX/XXXX. I asked XXXX to fix this situation over and over again because it is causing my credit report to be in the negative status. XXXX is reporting that I am 90 late without being 30 late 1st on my credit report. How can you be 90 days late without being 30 days late? This a clearly a violation of the FCRA.
Product: Mortgage

Bank of America stated that they would assign me a representative regarding an ongoing complaint. However, when I called, they referred me to someone else who has to quickly research the case with little or no prior history of my case. 

The latest one is XXXX XXXX, who has been recently assigned to assist me. He did not leave an extension number. I tried anyway and was referred to someone else. I asked for XXXX XXXX and was told I would have to make a phone appoint which is a week later.
Product: Credit card or prepaid card

someone opened a credit card on XX/XX/2019 under my name i try to dispute it several times with capital one and the 3 reporting agency and i always get the results as verified and belong to me its stopping me from getting credit and refinancing my home and get car loan its affecting the daily life I need to resolve this immediately please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my credit report. It's been well over 30 days and i haven't receive any investigation results
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Consumer Loan

Springleaf Financial Services placed several inquiries on my credit report as a result of someone submitting an application, using my personal information, without my consent. The dates of these inquiries are : XXXX XXXX, 2015 XXXX XXXX, 2015
Product: Student loan

I stopped payment on a private student loan with XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. On XXXX XXXX, I and my co-borrower were sued by XXXX XXXX XXXX for non-payment. In XXXX XXXX, the case was dismissed by the XXXX County Clerk Court XXXX for non-suit as they brought suit against statute of limitations. On XXXX XXXX, Transworld Systems Incorporated has only verbally contacted via my place of employment. It has been over thirty days, I have not received notice of debt from this particular collection agency. They have attached the XXXX XXXX XXXX XXXX XXXX to my credit report and state that I owe {$41000.00}. I am disputing this amount and also attaching documents to where the matter was dismissed in county court. I have offered to settle with XXXX XXXX but to no avail.
Product: Student loan

I have tried for years to pay this off. They offered me forbearance after forbearance and deferments. Ive had it for XXXX years and still owe more than the original balance due to late fees and interest. The % is over XXXX %. They hiked my monthly payment to over $ XXXX m. They would not work with me. I want to pay it back- but its a steep hill to climb. Is there a way to get them to forgive the interest and late fees?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Complaint # XXXX Submitted on XX/XX/XXXX Dear CFPB, I am writing to address the response from TransUnion dated XX/XX/XXXX, concerning my complaint regarding unauthorized credit inquiries. While TransUnion has acknowledged my concerns, their response fails to resolve the issue adequately or comply with the Fair Credit Reporting Act ( FCRA ). 

Key Issues : XXXX. Failure to Verify Permissible Purpose TransUnion advised me to contact the companies directly but did not provide evidence of permissible purpose for the disputed inquiries. Section 604 of the FCRA explicitly requires that inquiries must be supported by documentation proving permissible purpose. If TransUnion can not verify this, they are obligated under Section 611 to remove the inquiries from my report.

2. Inadequate Investigation The response indicates a lack of thorough investigation. My complaint and supporting evidence made it clear that I did not authorize these inquiries. XXXX duty as a consumer reporting agency is to contact the furnishers of this information and obtain proof of authorization, not to redirect the burden to me. 


XXXX. Retention of Unauthorized Inquiries While inquiries remain on reports for XXXX years, this timeframe is irrelevant if the inquiries are unauthorized or unverifiable. XXXX refusal to remove them despite the absence of validation undermines the FCRA 's intent to ensure accuracy and fairness. 



Requested Action : I request the following actions be taken to resolve this issue : XXXX. Provide documentation from XXXX and XXXX XXXX XXXX demonstrating permissible purpose for the inquiries in question. 


XXXX. Remove the disputed inquiries from my credit report if such documentation can not be produced. 


XXXX. Confirm the removal of any unverifiable information and issue an updated credit report reflecting these changes. 



If TransUnion continues to fail in providing the required documentation or removing the unauthorized inquiries, I request the CFPBs intervention to ensure compliance with the FCRA and to protect my rights as a consumer. 

I appreciate your attention to this matter and look forward to a resolution. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am weighting to dial a complaint against Navy Federal Credit Union regarding multiple overdraft frees I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with 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

I 'm complaining about Credit bureau Transunion. I recently did many disputes against this credit bureau about inaccurate information that was listed on my credit report. I received my credit report and some of the information was not accurate. On my credit report I have an identity theft/fraud identity listed and everytime someone use my social security number for credit, the creditor suppose to call me. I never received a call from the creditors and I have disputed many time with Transunion about credit inquiries on my report. Here is the following credit inquiries that is listed on my credit report : XXXX XXXX ( X/XX/17 & X/XX/17 ), XXXX XXXX XXXX XXXX ( X/XX/17 ), XXXX ( X/XX/17 ), XXXX ( X/XX/17 ), XXXX XXXX ( X/X/17 ), XXXX ( X/XX/17 ), XXXX XXXX-Credit card ( X/XX/17 ). <P/>Second dispute with Transunion was two public records ( bankruptcies ) on my credit report. I spoke with a customer service rep at the Federal Court of Bankruptcy and the rep stated that the court do not verify any public records with the credit bureau. I disputed the two public records again with Transunion and they never removed the public records off my credit report. I called Federal Court of Bankruptcy and talk to another customer service rep and he stated that Transunion never contacted them to verify bankruptcies on my credit report. So now I 'm sending a complaint to Consumer Financial Protection Bureau and this week I 'm going to hire an attorney to file an claim against Transunion, because they are putting the wrong information on my credit report without checking with the creditors to make sure that I have applied for credit and checking to make sure that the information that they are added is accurate. I 'm so frustrated with the credit bureau, because they are adding information to my credit report and the reps are very rude when you call to dispute items. XXXX has removed the two public records off my credit report, because the information was inaccurate. Now Transunion need to have those two public records and credit inquiries removed from my credit report. I have been an victim of identity theft and it is listed on my credit report, so there should be no excuse for this. I will be hiring an attorney to file a claim.
Product: Credit reporting or other personal consumer reports

Im writing in regards to letters I sent out disputing this account with XXXX XXXX and I never received any correspondence about to the disputed account, I wrote to XXXX XXXX, XXXX, Equifax and XXXX and it had been over 35 days with XXXX XXXX and Equifax and it has been 34 days with XXXX XXXX The Late payments are reporting inaccurately and illegally. I pointed out all the violations that they are in violation of and continuing to report this account is illegal. I want this account reinvestigated and this account removed.
Product: Money transfer, virtual currency, or money service

I received {$40.00} and cant access it