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

I am filling a complaint against XXXX for Failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX consistently responds within twenty-four hours stating the account is accurate without providing any evidence of a thorough investigation this practice violates the Fair Credit Reporting Act FCRA 15 U.S.C 1681i. Which mandates a reasonable investigation of disputes I have closed accounts that have not been removed from my credit report. 
Account : XXXX XXXX XXXX XXXX XXXX, XXXX opened XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/year> I lost my debit card then charges were made on it for {$600.00}, {$300.00}, and {$60.00}. I called Wells Fargo to report fraud and they put a claim in. They decided the claim was denied even though the charges were not made by me. I wanted to escalate the claim higher but they told me there wasnt anything further they could do.
Product: Credit card

I got scammed by a fake " merchant '' on PayPal for the amount of {$93.00} on transaction ID : XXXX on the fake website : XXXX XXXX XXXX. A website that is impersonating XXXXXXXX XXXX XXXXXXXX. I must not have noticed the website redirect. 

I immediately contacted XXXX and PayPal pre-authorization and pre-payment to report fraud and to have the transaction cancelled, but I was told I would have to wait until the payment when through before disputing. XXXX requested me to work with PayPal. PayPal assured me they have a process to handle fraud but this would come after payment processes and a dispute can subsequently be filed. 

Once the payment went through, I submitted a fraud dispute. PayPal did not even bother looking into the matter and instantly closed my case with no action within an hour. I am baffled, the merchant info is not legitimate and evident my the name and email : " XXXX '' and " XXXX ''. However, PayPal chose to side with the fraudulent " vendor ''. I also requested PayPal that the fraud vendor does not get my personal information but they could care less.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry on XX/XX/2020 that I didnt not make. 

Curo management Llc for a personal loan
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

on   XXXX   XXXX   XXXX   a car registered to me was involved in a car accident. I was not driving the car but understand I am liable for damages. I have been given  two  different amounts by this company. On   XXXX   XXXX   XXXX  , I received a collection letter in the amount of {$3200.00}. On   XXXX   XXXX   XXXX  , I received a collection letter in the amount of {$5200.00} which is  XXXX  more on the same debt. I sent a certified letter to this company on   XXXX   XXXX   XXXX   asking for a itemized break down of these costs and did not get a response. I informed this company that I am willing to take care of this debt but we need to come to some agreeable solution. This company has threatened to take my drivers license if this is not resolved
Product: Credit reporting or other personal consumer reports

I filed complaint number XXXX on the CFPB website on XX/XX/2023 in reference to inaccurate information I saw on my credit report. I filed another complaint number XXXX on the CFPB website on XX/XX/2023 in reference to more inaccurate information I saw on my credit report. I have made these inaccuracies known to TransUnion. Nothing has been corrected on my report and TransUnion has claimed to have investigated and verified the accuracy of the information. TransUnion claims to have determined the information including my dispute information. TransUnion is accepting monetary gain from the furnishers of the inaccurate accounts as well as accounts that don't belong to me. TransUnion is engaging in parroting and TransUnion has not properly investigated ANY ACCOUNT furnished to my report and continues to defame me for financial gain. TransUnion has recently been found guilty of these same offenses by the CFPB and the FTC. TransUnion is claiming to agree to settle the invoice yet is requesting authentication documents that I do not have nor am I required to possess such documents by federal regulation, yet TransUnion has attained such nonpublic information against my will. I have never surrendered any non-public information or documents to TransUnion nor instructed TransUnion on what my report should entail, although they have taken it upon themselves to assume this vital role for monetary gain. Trans Union is still allowing collection attempts despite the accounts being under investigation because TransUnion is monetizing the inaccuracies on the report. These are the names of the specific items on the report in question, XXXX XXXXXXXX # XXXX {$700.00} the reason you for disputing is inaccuracy ; XXXX XXXX XXXX XXXX # XXXX {$220.00} the reason you for disputing is inaccuracy ; US DEPT OF EDUCATION # XXXX {$2400.00} the reason you for disputing is inaccuracy ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX ACCT IS PAID & NEVER BEEN LATE the reason you for disputing is inaccuracy ; XXXX XXXX XXXX # XXXX {$910.00} the reason you for disputing is inaccuracy.
Product: Checking or savings account

I've noticed no account activity at end of last week in a few of accounts at Flagstar Private bank formally Signature bank ; that I'm the owner or associate with, I called my bank and they told me all of the accounts are binge closed and they will provide me with info how to take out the funds, it been almost a week and i didn't hear from them, i try calling but with out luck, I'm being transferred from one person to another with no real answer, they bounced the payrolls of these companies, I'm not bale to operate my business like this.
Product: Money transfer, virtual currency, or money service

I received two unsolicited emails on XX/XX/XXXX from pay pal. The first asked me to " confirm my email '', the second " welcoming me to pay pal ''. I do not have, nor do I want to have a " pay pal '' account ''. I do not do business with pay pal. Pay Pal is either opening an account in my name without my permission, or allowing some one else to open an account in my name fraudulently. I did not authorize a pay pay account and I am concerned that pay pal is stealing from me or allowing some one else to do transactions in my name. I do not and will not do business with pay pal and I want any pay pal activity in my name to be stopped immediately as it HAS NOT been authorized by me.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX. 
Account Number : XXXX Im demanding a debt validation : According to 15 USC 1692 g Copy of contract with my signature that I sign on for this debt Copy of payment history from the original creditor show my payments. Name and the address of the original creditors Proof I own or assigned this debt
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify -through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the records listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. i demand the following accounts be verified or removed immediately 1. 15 usc 1681b ( a ) ( 2 ) permissible purpose of consumer reports Account Name : XXXX XXXX XXXX Account Number : XXXX Please delete immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Product: Credit card or prepaid card

I am trying to access a portion of my unlimited credit and Bank of America will not let me do so in any form. I applied for a car loan and a credit card in XXXX and was denied both times. Due to this denial I had to go with a subprime bank to purchase a vehicle. 

They are also threatening to close my checking account for being in the negative. Not being able to access credit has cost me dearly. 

I need to know all the factors underwriting used to deny my consumer applications based on the law? 

I also, need to remind them that their policies are not in alignment with the law according to 15 U.S. Code Subsection 1611 for willful and knowing you are in violation as well as the securities and exchange act of 1934, and CFR 321, 328.6 and adverse action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently a victim of identity theft, Transition, XXXX, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX XXXX has been filed in XX/XX/2019, they did not comply within the 5-7 business days according to federal law.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

IQ Data International Violation of FDCPA 807 ( 8 ) ; FDCPA 809 ( b ) ; FDCPA 811 ( a ) ( 2 ) ; damage to credit report. Several CMMR letters to remove and validate. Last CMRR demand to remove was received by IQ Data on X/X/17. IQ Data refuses to respond. I gave them until X/X/17 to remove content from credit bureaus and notify me, and failed to do so. I am in the process of filing a Small Claims Complaint. <P/>I have filed a complaint against the original owner of the alleged debt - XXXX XXXX XXXX in XXXX XXXX. We are still in litigation and no judgments or awards have been ordered.
Product: Credit card or prepaid card

Payments/credits in excess of my interest-savings balance are not being allocated correctly on my XXXX, 2020 Amazon XXXX Visa statement.
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 redresses for these violations.
Product: Credit card or prepaid card

On XX/XX/XXXX a balance transfer of {$10000.00} was made by Wells Fargo from a XXXX account. 

This balance transfer was NOT authorized. 

The XXXX account was owned by my husband XXXX XXXX XXXX, who had passed away on XX/XX/XXXX of XXXX XXXX XXXX days before this transfer was made. I was a user on this card, but not a co-signer and not responsible for the account. 

I have spent hours talking to every department at Wells Fargo XXXX Credit Card, Fraud, Executive office. I went through a mediation program, but during the mediation discussion they decided the issue did not fall under a mediation category. 

They have not been able to substantiate any approval for this balance transfer.
Product: Checking or savings account

I am bank of America 2 years ago I got strange checks deposit then withdraw done in XXXX while I am leaving in Delaware .Now bank of America want me to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018 I've been trying very hard to have is ( TransUnion ) credit reporting agency correct or delete all misleading, incomplete, unverifiable accounts and information from my credit file. However ( TransUnion ) has repeatedly chosen not to adhere to federal law. CPA & FCRA.

The following accounts were deemed to be reporting accurately but with no physical evidence. Per sec 609 of the ( FCRA ). No proof of what they say I owe, and balloon account balance.

1 ) XXXX XXXX {$2600.00} 2 ) XXXX {$1500.00} 3 ) XXXXXXXX XXXX XXXX {$980.00} 4 ) XXXX XXXX XXXX   {$1500.00} 5 ) XXXX XXXX XXXX {$13000.00} 6 ) XXXX XXXX XXXX XXXXXXXX {$3500.00} 7 ) XXXX XXXX XXXX XXXXXXXX {$1900.00} 8 ) XXXX XXXX XXXX {$380.00} All of the above accounts has not been accurately verified. and should be deleted or removed from my credit profile immediately.
Product: Prepaid card

I have purchased a number of cards almost a year ago, that I was NEVER able to use ( was getting declines at multiple merchants ) Filed multiple complaints ( see below ) to get replacement but never heard back, it has been almost a year now. The company sold gift cards that were NOT usable, did not provide replacement in a timely fashion, most likely trying to discourage customers to retrieve their funds and pocket money at their expenses via breakage and/or interests Cases : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Experian Credit Services Credit XXXX XXXX XXXX XXXX XXXX Department XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/year> Subject XXXX Formal Dispute of Inaccurate Information and Notice of FCRA Violations Dear Experian, This will be my final attempt to dispute the inaccurate information that has been reinserted into my credit report after it was previously deemed unverifiable and removed. Your company has not been compliant with conducting proper investigations. 
Per 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable investigation of disputed information within 30 days. Despite multiple dispute letters sent to your agency, you have failed to provide reasonable protocol on how these accounts were investigated violating 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) along with responding within the legally allotted time frame Additionally, the re-insertion of previously removed and unverifiable information without following the required protocol violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). According to this law, any information that is reinserted must be certified as accurate and the consumer must be notified within 5 business days. No such notification was provided to me. 
I would also like to bring to your attention the ongoing lawsuit against Experian filed by the Consumer Financial Protection Bureau ( CFPB ) for similar violations, further underscoring the severity of these issues.Due to these repeated violations and the substantial harm caused, I will be seeking punitive damages for your continued non-compliance with federal law. 
I demand that all inaccurate and improperly reinserted accounts be permanently removed from my credit report immediately. 
Failure to comply will result to me seeking {$1000.00} per violation found on my consumer report Thank you XXXX XXXX XXXX
Product: Prepaid card

RushCard informed us on an update to their systems that would take place for 5 hours. As of this writing ( and 8 days later ), there are still thousands without their money. Their customer service lines either ring busy, disconnected, or with hold music that 'll last for an hour before another disconnect. This has happened for days. The only updates ever provided from the company regarding this are delivered via ONLY XXXX and XXXX ( and XXXX XXXX ' Instagram ). This has caused an outcry on social media as some uses have been without money even prior to the update.
Product: Student loan

My loan wa originally 30,000 maybe less it 's now up to {$74000.00} years ago they could have recommended income payment plan. I would have paid what I could have back than. Now I 've been in forbearance for years and interest has been accruing for 20 years. This will never get paid off. I 'm a single mother of XXXX and work 2 days a week as a XXXX. Years ago before children I could have paid more money according to what I made. Now?!?! I ca n't pay at all
Product: Credit card

We received a Chase/Amazon Credit card without our request, approval authorization or knowledge on XXXX/XXXX/XXXX. We called Chase and terminated the card immediately. They advised us to place a 90 day alert on our credit card. Since the recent fraud issues by XXXX XXXX, and since the card was not requested, we are concerned. Someone accessed our Credit Information without our knowledge. Your complaint data base has other complaints against Chase for those who like us already have a chase credit card and were issued another card without their knowledge or approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am again reporting Experian for continuing to report false information without validating the information they receive.

Although I have sent several pieces of documentation to Experian over and over and time again, they continue to allow these companys to insert inaccurate information into my credit file which violated the FCRA guidelines.

I recently submitted a complaint in which Experian came back and responded that " The disputed account information has been permanently blocked at your request, or the accounts do not appear on your credit report at this time. '' The accounts in question were : XXXX ( formerly XXXX XXXX ) -- -that was also removed from my credit file for fraud with Experian and reinserted under a different name to XXXX . 

XXXX XXXX ( formerly XXXX XXXX ) which was also removed from my credit for fraud file and reinsertes under a different debt collector name. 
BOTH ACCOUNTS ARE REPORTING AS PENDING ... .NOT DELETED AS REPORTED TO CFPB In addition to that Experian has reinserted two old accounts : XXXX XXXX XXXX XXXX ( TWO ACCOUNTS ) back onto my credit report after I have submitted documentation showing that these loans were in deferment at the time they are reporting late payments. INSTEAD of updating with the corrected information, they reinserted with the same FALSE reporting -- -which violated FCRA guidelines. 

Experian also reinserted incorrect addresses and names which I have repeatedly informed them were incorrect or non existent : Addresses : XXXX XXXX XXXX XXXX, XXXX TX XXXX ( reinserted ) XXXX XXXX XXXX, XXXX TX XXXX ( non existent ) Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX This is ridiculous that I have to continually fight with this credit bureau because they will not do their due diligence and properly investigate and validate the accuracy of these accounts and my information.
Product: Debt collection

This debt collector never provided me with mailed notice about disputing this debt. In fact, I have disputed this debt with this debt collector and have not received a response to my debt validation request. They are also not licensed to collect a debt in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiry listed on my Equifax credit report is fraudulent and unauthorized : XXXX, XX/XX/2020, the credit inquiry is fraudulent and unauthorized.
Product: Credit reporting or other personal consumer reports

I lost my wallet while attending a football game in XXXX that included my driver 's license and social security card. I was unable to recover it. I recently pulled a copy of my credit report and noticed addresses and accounts that I have no affiliation with. I contacted the credit reporting agencies and notified them that someone has accessed my information and applied for lines of credit in my name and a fraud alert was placed on my account. I not only contacted each bureau by phone but requested verification and that all fraudulent addresses be removed from my account by mail in XXXX XXXX XXXX XXXX XXXX. I requested the accounts be verified and have yet to receive a formal response. Furnishing accounts to my credit profile in result from identity fraud violates FCRA 15 USC 1681c-2 and my consumer rights. 

I also noticed credit inquiries listed on my reports that I did not authorize or apply for from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Furnishing these inquiries I have no knowledge of or have given written consent for is in violation of 15 USC 1681B. 

I also requested that all fraudulent addresses that I have never resided be deleted and my current any only address be updated on my profile. I see that credit reporting agencies have also not updated this information per my request.
Product: Student loan

Navient CFPB Federal Student Loan Service Settlement. Loan Dates : XX/XX/XXXX - XX/XX/XXXX.