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

I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. The hard inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX which is pass the statue for reporting, US SM Bus Admin ODS is pass the statue for reporting. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize these inquiries, they do not meet the criteria set forth by the FCRA. Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation to verify the legitimacy of these inquiries.
Product: Debt collection

I requested that they validate and verify the alleged debt by providing me a copy of the signed contract to show I have a contractual agreement with them and they have not provided it
Product: Credit card

My information was in a data breach and someone opened a credit card online in my name
Product: Credit reporting

I went to apply for a loan and found out that Equifax has reinserted inaccurate information and has continued to report a tax lien which was later released by the IRS ( attached will be my Chapter XXXX plan and IRS release of lien certificate which shows that it was released as a result of my bankruptcy ). Equifax reported that my Chapter XXXX bankruptcy has been dismissed, reinserted collection company 's ( XXXX and XXXX ) reported that I have an open account with XXXX XXXX and XXXX with balances. I filed Chapter XXXX and I am no longer liable for IRS tax lien in the amount of {$66000.00}, XXXX, XXXX, XXXX XXXX, XXXX and XXXX yet Equifax continues to report inaccurate information even after I disputed with them twice. Equifax has caused me great harm. I even gave Equifax my attorney 's information so that they could verify that I am no longer liable to the IRS lien, XXXX XXXX, XXXX XXXX, XXXX, XXXX and others. My attorney 's information : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX
Product: Checking or savings account

Hello my account was closed without a resolution to the unauthorized transactions that was made on XX/XX/XXXX ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX MD XXXX ATM ID XXXX CARD XXXX {$900.00} XX/XX/XXXX ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX MD XXXX ATM ID XXXX CARD XXXX {$1000.00} XX/XX/XXXX ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX MD XXXX ATM ID XXXX CARD XXXX {$1000.00}
Product: Checking or savings account

On Saturday XX/XX/XXXX I was at a surprise birthday party in XXXXXXXX XXXX. I arrived at the party at XXXX. At XXXX i received a text message saying there was a {$170.00} transaction that was made at XXXX XXXX XXXX XXXX I did not think much of it because i had just arrived to California from XXXX XXXX trip. I assumed it was a pending transaction that was posting or something like that. I left the party at XXXX. When i went out to my car my window was busted open and my purse with my wallet and all of my personal belongings were stolen. I did not want to be the person bringing police to the party so i called the police station and they said i could make the police report online. After checking my cash app account as well as my other bank accounts i noticed that one of my bank cards were used and my account was over drawn. I also noticed that my cash app account had fraudulent transactions. The {$170.00} charge at XXXX was settled and {$90.00} and another transaction of {$18.00} at XXXX XXXX XXXX was fraudulent made. I turned off my cash app card. 2 more transactions ( 1 from XXXX XXXX for {$170.00} and 1 from XXXX XXXX ) were attempted by whoever broke into my car but they declined because i turned off my card. I dispute the transactions with cash app. I also submitted a copy of the police report with the dispute only for cash app to come back and deny my dispute. Which is absolutely ridiculous. Im not sure what more proof they need other than a police report. I applied for a new card to be sent to me and saved my new cash app card on my XXXX XXXX. I used the cash app card to pay for my window to be repaired on Monday XX/XX/XXXX. That is also proof of my situation. A police report and proof of payment to repair my window. I should not be denied the opportunity to have MY MONEY back that was used after having my car broken into. There were XXXX people at this party who are aware of what happened to me. They all came out looking at my car when i pulled up to your front to let them know what happened and they felt bad for me. To have gone through what Ive gone through only to have cash app deny my dispute is absolutely a slap in the face. I want my money that belongs to me made available for me. Theres no reason my dispute should have been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX, I received an " Potentially Negative - Major Derogatory '' alert via the XXXX XXXX. The " Potentially Negative - Major Derogatory '' was a bill for an ER  visit on XXXX XXXX   2019, that was approved and paid for by the Veterans Administration. I contact the Veterans Administration ( VA ) on the XXXX of XXXX, and they contacted ( along with me on the phone ) XXXX XXXX XXXX XXXX XXXX and told them that the account was paid in full. The VA  representative provided them with the details ( check number, date sent via EFT, and the amount ) of the payment however, XXXX XXXX XXXX XXXX XXXX in conjunction, with the phone call asked me to provide them with a letter as discussed in the phone call. I sent my statement with the summary of VA payment indicating with service was paid in full. On the XXXX of XXXX, I submitted a credit dispute via Experian ( Report Number XXXX ) Experian and was told on the XXXX of XXXX that results " remain '' - Negative. I provided Experian with " Summary of VA Payment '' with my dispute so I am surprised that they let this stand. 
Therefore, I am requesting assistance since I don't what else to do especially since the VA states that ; " The provider may not bill me or my health insurance carrier for any services that were authorize and paid by the VA. ''
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report states XXXX  for 2 years.i am not on XXXX. My 12 months were suspended. Good behavior for two years, which is not XXXX. I am not prohibited from leaving the state.
Product: Debt collection

Brothers loan XXXX I wanted to be off all three credit reports it's holding me back from happiness
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report. 

These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately. 

The accounts to removed are 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a consumer of XXXX XXXX for over 3 years. I have never been delinquent, and always in good standard. XXXX XXXX I became very ILL. I went to my doctor and was diagnosed with XXXX and Hospitalized through XXXX. During my Hospitalization I was fighting was my life and unable to handle my affairs. Once I recovered I contacted XXXX  and paid the account of XXXX XX/XX/2021 bringing it to XXXX bal, and they sent Me a paid balance in full letter, but reported Me to the Credit Bureau as delinquent. I wrote them a write letter and email them twice in their online message center regarding my battle with XXXX and being hospitalized. I requested from them due to such unfortunate situation being out of my control would they make a good will gesture on my behalf and bring my account current. They denied Me. This is affecting my livelihood, because I am trying to gain housing for myself and my XXXX XXXX XXXX son and this is the only account on my Bureau reflecting delinquent. They have shown Me No Compassion under the circumstances and I have all documents to prove my case. PLEASE HELP ME to ha e this delinquent reporting pulled from My Credit Bureau. Thank You!
Product: Prepaid card

On XX/XX/2023 I purchased {$13000.00} in American Express gift cards for my employees bonuses. About 85 % of those gift cards do not work in any physical or online store. I've called American Express multiple times for help and all they say is that transactions are declined due to fraudulent purchases and that I need to try different merchants. It seems that customer service just does not want to help me out since every time I call, they tell me the same thing without any other solution. And the thing here is that all my employees have tried to make purchases in many stores, but they all get declined! 
I have attached a picture of what the card reader says after trying to make a purchase. 
I also attached all the receipts of the gift card purchases I made.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 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. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX, XXXX and TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Dear Sir/Madam, I am writing to dispute the reporting of student loan by Navient ( Account Number : [ XXXX ... ] ). According to the Fair Credit Reporting Act ( FCRA ) Section XXXX, I believe that the loan is inaccurately reported on my credit file. 

Specifically, I dispute the following After reviewing my credit reports I have noticed an account that is inaccurately listed on my credit report. This account has been removed from all of my other credit report files and it is not a valid account.Navient student loans has been charged with committing this crime against millions of customers This company has been notorious for reporting inaccurate information which is why they current have a huge lawsuit against Navient XXXX XXXX XXXX already removed off my credit just not XXXX and XXXX. I can also send you pictures of me sending letters and showing proof on top being part of lawsuit that CFPB file FCRA XXXX XXXX FCRA XXXX XXXX ( f ) FCRA SECTION XXXX ( a ) ( XXXX ) XXXX ( FCRA )
Product: Debt collection

XX/XX/2016 {$120.00} as past due So Im contacting this company directly to let them know this is not my debt.
Product: Prepaid card

On XX/XX/2023 I called Wisely to get my balance. The person i spoke to asked me if i had my card and i told them " no '' becuase i was in a community corrections facility and didn't have access to it. So then wisely told me they were canceling my card and i told them " not to '' but instead they locked the card and have been charging a dormant fee of {$4.00} several months since then. Still i need a new card now becuase of how wisely opperates. Wisely told me i need to fax documents of my SSN, State ID, and release letter from the facility i was in which i have provided on XX/XX/2023 and was told to fax to XXXX. Wisely instructed me to call back on XX/XX/2023 so that my documents could be verified. So i called back to wisely customer care on XX/XX/2023 and was told I'm not supposed to FAX anything that was a lie and it's all my fualt. Its a lie becuase when you tell somebody something you don't actually know as true as being true it's a LIE. Then I was told that i am supposed to upload my documents through a link using reference number XXXX then to call back in two more buiseness days and my needed documents are still not resolved. So far what's being communicated to me about Wisely 's process for handling card activation is false and not meeting my rights and expectations of being a creditor and customer because I have a right to my money on demand in full amount or any part there of. Wisely has sent a new card according to them on XX/XX/2023 but this process they can't seem to complete of verifying my documents is of concern. Being a customer of any bank there is the expectation that there will be compitent and profesional communication and procedures that are followed an upheld. So far I've been given careless bad information. I have been told that there would be a deadline as to when my information would be processed and my card would be activated and it still has not been! I still don't have my hard earned money! The level of clear disregard for customer service and degree of dishonesty is absolutely appalling! THIS IS A BANK LYING TO ME AND KEEPING MY MONEY FROM ME! I can not trust that Wisely will just do what they say they're gon na do. Or that anything I've been told is actually true. I Will not wait indefinetly for my money. Action needs to taken against this bank. I have submited every document they have asked for FAX and through wisely 's " box '' link and yet I can't say that's gon na be enough or that i will ever see my $ XXXX at this time. please help me thank you.
Product: Debt collection

The debt collection agency Kinum , Inc is attempting to collect a debt but is not license within the state I live in to collect this debt. I currently live in the State of XXXX.
Product: Mortgage

We filed a Chapter XXXX Bankruptcy and completed the restructure in XX/XX/2016. We are in the process of refinancing our loan and Wells Fargo is reporting the payments made in our Chapter XXXX as late payments. We have contacted them and tried to resolve the issue, however they have extended their investigation time for over a month. We received a latter today stating they have done an investigation and the reporting on this end is accurate. 

We also had a payment plan from Wells Fargo Bank, made the payments they asked for and they are also reporting the payments as late on our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I noticed through XXXX XXXX that Transunion had dropped my score by XXXX points. When I pulled my credit report, there were no negative items that I could contest. I called Transunion and spoke to a customer service agent sho also said she could not see any reason for a decrease, but told me that I would need to review my report and contest anything incorrect. I said Id already reviewed it and asked her how I could dispute it if there were no negative items. She transferred me to a supervisor and he said the same thing. He then transferred me to XXXX XXXX supervisor of fraud customer service. We went through the same circle and she said that paying off my credit cards may have decreased my score. I pay my cards off every month. Their website indicates that reducing credit utilization will improve credit score. When I pinged that out to her, she hung up on me. I callled back and went through the same process, but was connected to a different person who also hung up when I asked what my options were when they could not tell me why my score was being decreased without reason. I was not rude our yelling, but was obviously frustrated. These agencies control my access to good credit terms, but seem to have no accountability or transparency. If the reduce my score and cant tell me what I can do to address it, what options do I have?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance XXXX {$470.00} XXXX XXXX XXXX Balance : {$220.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX Balance : {$4000.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX ) XXXX Balance XXXX {$0.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$3900.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$7100.00} U S DEPT OF EDXXXX XXXX Original creditor XXXX XXXX ) XXXX Balance : {$1600.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX Balance : {$4000.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX ) XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX ( Original creditor XXXX ) XXXX Balance XXXX {$290.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) Balance {$470.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2200.00} US DEPARTMENT OF EDU XXXX Balance : {$7100.00} US DEPARTMENT OF EDU XXXX Balance : {$1000.00} US DEPARTMENT OF EDU XXXX Balance : {$1100.00} US DEPARTMENT OF EDU XXXX Balance : {$1600.00} US DEPARTMENT OF EDU XXXX Balance : {$4000.00} US DEPARTMENT OF EDU XXXX Balance : {$3900.00} US DEPARTMENT OF EDU XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX - XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

My Identity has been effective in XXXX XXXX XXXX. After winning a fraudulent Credit Card case and seeing all the inquires I needed help because speaking with the bureaus I couldn't get them removed. 
XXXX XXXX XXXX XXXX XXXX My Identity has been effective in XXXX Data Breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I was not late on these accounts and XXXX, XXXX, XXXX, and Transunion has not corrected the problem. Please provide the method of verification for late payments. 

Please provide all the people involved in the investigation with dates, times and procedure used verify late payments as this is not correct. Please correct history. 

DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX  : XXXX DEPT OF EDUCATION/XXXX : XXXX I have attached the certified letter that was sent to all the parties mentioned.
Product: Credit card or prepaid card

I first reported XXXX XXXX as a fraudulent set of fees totaling over XXXX to Barclay 's American Aviator MasterCard in XX/XX/XXXX. The charges were from XX/XX/XXXX and into XX/XX/XXXX and I believe backdated onto the card. Barclays said it was " a real company '' and denied the request to reimburse the funds to me. 
However, after filing with your agency, the President 's office was aware of the XXXX XXXX XXXX XXXX XXXX listed on the website XXXX and finally agreed to reimburse the XXXX and it was posted on my account on XX/XX/XXXX. 
From XX/XX/XXXX to XX/XX/XXXX and when reported 9 months ago, there has been 28 % interest added to these charges Barclays failed to reimburse until your company was involved. 
In addition, they say " policy '' will not allow that reimbursement to be used toward the TRUE balance that has always been minus XXXX. That policy only supports the credit cards when fraud is proven and NOT the consumer who did not regain interest and does not have the TRUE balance that has always been minus XXXX. I have left 3 messages for a call back that has not happened, waited on hold for a total of over 5 hours in 9 months, returned calls to President 's office where you can not reach the person who was helping you as the recording says, " President 's office not available '', continue to receive robocalls requesting a payment on my card that has XXXX credit on it. That policy is wrong at so many levels.
Product: Debt collection

My recent credit report includes several accounts that I did not authorize and believe to be incorrect. Please remove and block these accounts as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tired to open up a credit karma account it says the info dosent match whats on file but i never opened up a credit karma account.
Product: Checking or savings account

On XX/XX/XXXX a charge from XXXX was to come out of my account in the amount of {$280.00}. JP Morgan Chase bank stated that even though my account showed positive it was actually made negative by this transaction. I manually paid this through XXXX XXXX   app and Chase is saying because XXXX has it listed as a recurring payment that it was authorized this way instead of a debit same day transaction. I never authorized XXXX to setup recurring payments the bank manager said that it was because I stored my account on the website it gave them permission and they could take any funds out my account. I was charged an over draft fee not only because of this but because the banks mobile app was not working properly. The bank has pretty much told me that it's not their issue.