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

Complaint- TransUnion XXXX XXXX and XXXX- Submitted several times- copy ( s ) of police report ( s ) a few years back also requested FRAUD alert ( s ) to be added to all 3 Major Credit Agencies and recent shown : submitted a letter from a Major credit card company just from last year where someone attempted to apply for a Credit card in my name sent several copies to each credit agent. Sent certified letter ( s ) asking for accounts to be remove ( 2017 and this year. I have in those letter ( s ) requested a wet ink copy of signature documents proving that these accounts belong to me according to my rights. No info has ever been sent showing proof from TransUnion, Experian or Equifax that these accounts belong to me. Following accounts that need to be removed from all- 3 Credit Agencies 1. XXXX XXXX XXXX $ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX $ XXXX TransUnion XXXX  XXXX XXXX XXXX XXXX TransUnion TeXXXX  XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX - $ XXXX TransUnion XXXX XXXX XXXX XXXX $ XXXX TransUnion 3 . XXXX XXXXXXXX XXXX - $ XXXX ExXXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Experian Ad XXXX XXXX XXXX XXXX XXXX XXXX Experian If my files were to be pull from All 3 Credit Agencies an investigator would see police reports that were sent from a few years back also a recent letter from a creditor from last year where someone tried to obtain a credit card in my name. Along with several CERTIFIED LETTER ( S ) THAT HAVE BEEN SENT NUMEROUS OF TIMES REQUESTING THE ACCOUNT ( S ) TO BE REMOVED!
Product: Credit card

I was issued a Barclays Aviator XXXX XXXX  Master Card. On XX/XX/year>, I attempted to run a transaction, and it was declined. The customer service staff advised me to attempt the transaction a few more times, and each time it failed. Two Gentleman by the name of XXXX XXXX XXXX intervened. One of them closed my account, without reading the full disclosures about how to re-instate the account within the agreed 15-day period. Later that night, the account closed. I called, and it was re-instated by a customer service rep. The next morning, again it was closed, two staff by the names of XXXX and XXXX again assured me the card was valid, and a new card was issued. My app and online access were then disrupted. I was then consistently forwarded to customer security who requested documents. I sent in my Driver 's license, Social Security Card, Passport page, Utilities, bank statements, social security benefit statements, and form 1040. To date these individuals will not assist the customer service staff who keep calling me assuring me the new card is on its way, ( even as of this morning ), without any resolution. The security department says the account is blocked and they will not re-open it. Today is XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ive spoken with Preferred Collections on 5 different occasions and have asked them to please verify who went in for service because it wasnt me. Each time they told me that they spoke to their supervisor XXXX and that she was going to escalate it and request information from the original creditor. Its been over 7 months and still no word or verification letter. On the 4th and 5th call it was disclosed to me that the person was treated at an unknown medical facility for a head fracture. Thankfully me and no one in my household has ever experienced a head fracture. On each call, no one ever disclosed to me the name of the medical facility. The last girl I spoke with, XXXX, suggested it was XXXX XXXX hospital because she had a doctors name and she did a XXXX search. I wouldnt take it as concrete information being that this medical visit took place in 2016. It bewilders me that this company is reluctant to delete this bill off of my credit being that they cant even verify that its mine and do not even know the name of the medical facility it came from. On the 4th call they disclosed to me for the first time a different bill which I verified that it was mine and I paid it immediately. Any help in this matter would be appreciated.
Product: Credit reporting

On XXXX XXXX, 2016 I submitted a certified letter to Transunion disputing inquiries on my credit file. " XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ''. I also contacted Transunion by phone to try and resolve the issue. I have since received XXXX credit reports from Transunion dated XXXX XXXX, 2016 and XXXX XXXX both reports are still reporting the incorrect information.
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the provided information with XXXX, and TransUnion ; regrettably, the matter remains unresolved to date. 

XXXX XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XX/XX/2023 XXXX. The following personal information is incorrect Employers : XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX. Under 15 U.S.C. 1681i Paragraph ( XXXX ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX Account Number : XXXX This is not mine. 
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX AZ XXXX Please remove this inaccurate information from my credit report. 

TransUnion XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX NM XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  NM XXXX. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX Account Number : XXXX This is not mine. 
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please remove this inaccurate information from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have given the credit beaurea almost a year out of the 30 days for them to do a proper investigation of my credit report. They have failed to do so. I took the liberty to again go behind them and verify that the information is not accurate and/ or improperly placed on my credit report. I have been back and forth with the student loan furnisher to get them to tell the credit reporting agency to removed the student loan accounts that should not be on my accounts at all because I am not in default! They stated they requested the accounts be removed. I contacted the credit agency by phone and letter and they are advising me that they can not do it unless I attach the letter showing Im not in default. Well the letter is attached along with other information showing that my credit report investigations were not done properly and not accurately reported. Also NONE OF THEM has yet to show me written consent to furnish my accounts. I have enclosed credit reports with highlighted discrepancies as well as student loan documents and this is my final attempt. The credit agencies does not respond to letters and they keep sending the same lies and feedback. This is not okay. My consumers rights have been violate across the board and for years. I have no received a violation payment or deletion of the accounts. Just closed. I don't need the accounts closed I need them removed because they should not be there. I appreciate you all mediating this for me ; however the credit beaurea are not caring about my rights or your time it takes to help consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is to inform you of the grave violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 that have been committed by XXXX. These violations have caused substantial harm to my privacy and have infringed upon my consumer rights. I am seeking a remedy as prescribed by 15 USC 1681n to address the damages incurred. 

The specific violations are as follows : 1. Violations of 15 USC 6802-6805 and the Privacy Act of 1974 : Unauthorized Sharing of Personal Information It has come to my attention that XXXX has unlawfully shared my personal information from XXXX XXXX XXXX without my consent or any legal basis, thereby violating my rights under 15 USC 6802-6805 and the Privacy Act of 1974. This unauthorized sharing of my personal information has resulted in a breach of my privacy, causing distress and concern. I strongly urge XXXX to immediately cease any further sharing of my personal information and take appropriate measures to prevent such unauthorized disclosures in the future.

2. Violation of 15 USC 1681A ( 2 ) ( 1 ) : Improper Disclosure of Experiences and Transactions In addition to the aforementioned violations, I have discovered that XXXX has improperly disclosed my experiences and transactions from XXXX XXXX XXXX  in XX/XX/XXXX. This disclosure of sensitive personal information without my consent is a clear violation of 15 USC 1681A ( 2 ) ( 1 ). I demand that XXXX XXXX XXXX and XXXX take immediate action to rectify this violation and ensures that my experiences and transactions are not further disclosed without lawful justification. Attached below is a screen shot of the violation as well as proof that all three consumer reporting agencies are reporting the same account differently which is an additional violation under 15 USC 1681.
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report 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 blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, Experian has failed to acknowledge or resolve the issue. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. The following inquiries were unauthorized and must be removed from my credit report : XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX referred me to Professional Credit Service ( PCS ) for a medical bill that they wrongfully sent to collections, after the advised me I was eligible for XXXX XXXX. I submitted the application and required documents and was told XXXX XXXX picked up my account and my balance was {$0.00}. The didn't send me prior notice or call me to inform if they had made an error or before they decided to reverse the fees and refer me to collections. There are federal and state protection laws that require that they make reasonable attempts before referring to collections, including that I am provided with 150 days from the initial billing prior to making attempts to collecting on a debt. This was not the case, and I was mislead to believe I was approved for XXXX XXXX. Then when I asked for a notice I received the approval notice with different dates that does not coincide the medical billing date for I applied for. I need PCS to immediately stop all collections made against me until this matter is resolved with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX You are in Direct Violation of the Fair Credit Report ( XXXX account # XXXX ), has violated several of my rights. 

15 U.S.C1681 section 602 A. Clearly states that I have the right to privacy 15 U.S.C1681 section 604 A section 2 : it also states a consumer reporting agency XXXX  furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove this late payment and update the account immediately as u are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Am A Victim On Date Breach ... .Please See Attachment Document
Product: Checking or savings account

I am not exactly sure if I have chosen the correct category, however I have been a victim of fraud in which I have explained to my bank. I received a phone call to change my banking information and I also believe that my card may have been cloned by a fraudster. Monies were deposited into an account that I rarely use. I mostly use it for convenience of depositing paying bills, transfers, gas, and some food transactions. I filed a dispute after monies were unknowingly deposited and withdrawn from my account. Wells Fargo Financial Bank has denied my claim, stating that this was made by me or someone near me and that is totally false. I can not afford to pay over XXXX for this and I do not want to lose my account due to unpaid fees.
Product: Mortgage

As part of every monthly mortgage payment I make via the servicer 's web site, I always include an additional payment specifying that additional amount is to be applied towards principal curtailment. The payment confirmation that I receive, both on the servicer 's web site and in a confirmation email, properly reflects my payment choice and specification ( i.e. some component of the total payment is to be applied as principal curtailment ). However, when I check a few days after making said payments, the additional principal payment that in included has not been applied towards principal curtailment ; instead is appears on my account as " Posted Unapplied Funds. '' This has been happening for three months running. When I call the servicer, they tell me one month that they will " fix '' the issue by changing my account to a " hierarchy plan '' such that any additional payment automatically applies to principal ; the next month when I can they tell me they will " fix '' the issue by changing my account away from a " hierarchy plan '' such that any additional payment automatically applies to principal. The most recent example of this occurring was for a payment madeXX/XX/XXXX, where the confirmation email states : MONTHLY PAYMENT {$2000.00} ADDITIONAL PRINCIPAL {$1200.00} TOTAL PAYMENT {$3200.00} whereas the web site 's posted payments indicates the following : Unapplied Funds XX/XX/ {$1200.00} {$0.00} {$0.00} {$0.00} {$1200.00} {$340000.00} Monthly Payment XX/XX/ {$2000.00} {$710.00} {$930.00} {$390.00} {$0.00} {$340000.00} Note that what my payment confirmation indicates as the amount of XXXX for additional principal magically translates into " Unapplied Funds '' when the payment is processed. 

The same thing happened the prior month. I have attached payment confirmations for my XXXX andXX/XX/XXXX payments.
Product: Checking or savings account

On XX/XX/XXXX of this year, I was with friends at XXXX XXXX XXXX XXXX XXXX restaurant and I paid for 4 drinks and closed my tab, with my signature for {$71.00} plus a {$10.00} tip, about 30 minutes later our friend came to the restaurant and order food, our friend works for the XXXX XXXX  and the bartender proceeded to tell us that for our friend to use his discount, the method of payment needs to be under his name, he moved to order and at the end as the receipt shows he charged the food to his room which had nothing to do with my debit card, when I request receipts for the transaction the hotel did not provide a debit card receipt, instead they give a room charge receipt signed by a person that was authorized on the room ( Our friend ) but not on my debit card.
Product: Debt collection

On XX/XX/year>, I found debt collection accounts of CACI on my credit report. I immediately contacted the debt collection company and negotiated the total balance to {$940.00}, I requested them to delete those accounts from my credit report, then sent me a receipt to prove that, they agreed and sent me the documents. So I paid {$940.00}. However, today XX/XX/year>, I still got a phone call from them and they said I didn't pay for that and needed me to pay for the balance, I told them I had already paid in full and got the document and the accounts would be deleted in 30 days. They refused to admit it and kept trying to charge me more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, JPMCB CARD and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX  and XXXX, JPMCB CARD and XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX Dear Experian, XXXX XXXX and XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian credit reporting agencies, 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 the accounts listed below. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question 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 my consumer 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 and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX AND 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 or other personal consumer reports

Please remove the account XXXX from collection agency XXXX XXXX XXXX from my credit report. I sent a letter to the collection agency XX/XX/XXXX and they have failed to validate this account. Furthermore, I am on a payment plan with the original creditor XXXXXXXX XXXX, so I am confused as to why this collection agency is claiming that I owe them anything. The balance reported is not the same balance that I have with XXXXXXXX XXXX. Lastly, Equifax is the only credit bureau reporting this inaccurate information. I informed Equifax of this error in a dispute letter, and via cfpb in complaint XXXX that they were reporting inaccurate information. They failed to remove this account and they also failed to notate that this account was in a dispute on my credit report which is a violation of the FCRA. At this time, I am only asking for the removal of the account above. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Product: Debt collection

Ive offered to pay off a debt with Central Financial Control to no avail. Ive practically begged to pay and have it deleted. I explained that I was scheduled to close on house at the end of XXXX but they are adamant a out not paying for deleting it off my credit report. Wbether I pay a settled amount or full amount they 're refusing to have it deleted. Because of this my credit score dropped and I was denied financing. I spoke with customer service reps and someone in the dispute department, but no one would agree to have it deleted. They 're all saying they do n't and wo n't delete. I spoke with them on XX/XX/2016 4 different reps. Friday, XX/XX/2016 I was denied financing because I could n't get the account deleted. I 've actually had one rep to yell telling me no matter what, it wo n't be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Equifax deleted the account and then placed it back on ). Equifax has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that 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. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts i have marked as inaccurate : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I recently applied for loan at One Main Finance XXXX XXXX, KY. Which I did not take out by choice. However when ask about what the loan was for. " I stated it was to pay off a credit card. ' The lady stated I was a authorized user. Was it my husband 's? I stated it was my wife 's. She said it could be your husband 's. I guess depending on which role you play. And laughed. I really did not appreciate that at all and I certainly did not think it was funny. I think One Main company may need to educate their employees in the XXXX community and rights. I am offended by what the employee say to me and she had no right to say nor should she have stereo typed me. I would like to know what can I do about this? 

Thank you XXXX XXXX Sent from my XXXX