23daVinci/CFPB_Complaints huggingface dataset:
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 items listed below : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX
Product: Checking or savings account

I was trying to open an checking account and I was not authorized so I wanted to get this situated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing any of these inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 
U.S. Code, 15 U.S.C. {XXXX} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 
Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to conduct a proper investigation into my disputes and for accusing me of using an unauthorized third party to submit my request. I mailed a dispute letter to Experian, disputing inaccurate personal information and accounts on my credit report. 
To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address I mailed my initial dispute letter on XX/XX/XXXX, via XXXX XXXX mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ). On XX/XX/XXXX 2024, I received a response stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is puzzling, as all prior communications were sent directly by me and included all required information. 
According to the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Experian has violated my consumer rights by failing to investigate my disputes, falsely accusing me of using an unauthorized third party, and not responding to my dispute.
Product: Debt collection

They are reporting inaccurate information such as the opening date and balance.
Product: Debt collection

Date Open XX/XX/2017 Ask them to Delete {$1300.00} From XXXX  and it remained non removel on report, I need this {$1300.00} Removal damaging my score and report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing the complaint against XXXX, Experian, and XXXX because they have ignored my request for a reinvestigation since XX/XX/2020. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I initiated a transfer of {$1000.00} through Wise to send funds to my recipient in XXXX. The app indicated that the transfer was completed and awaiting the recipients bank to issue the funds, with an expected delivery date of XX/XX/year>. 
However, on XX/XX/XXXX, the transfer failed due to incorrect information, as stated in their notification. I promptly corrected the recipients details ( adding their middle name ) and reattempted the transfer. Wise marked the second attempt as successful and provided confirmation. 
Despite this, the transaction was manually canceled on XX/XX/year>, without prior notice. My recipient informed me of the cancellation on XX/XX/year>, after failing to receive the funds. This unnecessary delay caused significant inconvenience. 
Due to the delay, I was forced to use XXXX XXXX to send the money, incurring an additional cost of {$1200.00}, including higher fees for instant cash pick-up. Wise refunded the original amount of {$1000.00} to my account on XX/XX/year>, after admitting that the cancellation was due to a technical error on their end. 
Wises mishandling of this transaction caused unnecessary delays, financial losses, and emotional stress. Specifically : 1. Wise marked the second attempt as successful, misleading me into believing the funds had been delivered when they were later canceled. 
2. The cancellation was caused by a technical error on Wises end, as confirmed in their email. 
3. This forced me to use a more expensive service ( XXXX XXXX ) to deliver the funds urgently, resulting in an additional expense of {$120.00} ( {$1200.00} - {$1000.00} ). 
Now, Wise is demanding repayment of the refunded amount, despite admitting responsibility for the cancellation. This demand disregards the financial burden their error caused.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX  XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit card

I had fraud done on my account & opened a dispute with PayPal as a consumer I felt like I had the right to, the investigation has not been completed & PayPal or PayPal credit decided to limit my account permanently Im now no longer able to use my account. I was not given a reason nor a choice to reinstate my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These adresses do not belong to me. Please delete it from my credit report. 
2. The following name is incorrect. They may belong to someoone else that have similar last name to me. I demand it to be removed. 
XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my 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. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. 2. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters to XXXX, Equifax, and XXXX   to validate the accuracy of XXXX XXXX XXXX. I have asked the creditor to validate the amount, address, any videos of me due to the fact of being a fraud victim. XXXX XXXX is only replying to XXXX, Equifax, and XXXX with the words VERIFIED.
Product: Debt collection

I pay {$97.00} since XX/XX/2020, for the last XXXX months. This debt should be paid off this month. Midland is saying that I owe them {$390.00} because I have been late on payments and have missed payments. The payment is due the XXXX of every month and it has NEVER been late to them. I have all my banking records to prove this as well as I logged onto my midland account. The account I logged into showed missed payments and every single payment being late. I discovered all this when I was trying to figure out how much I owe them because they have not sent me one statement in XXXX months or ever for that matter. Please assist me in this matter. It it's not fair when someone is trying to do the right thing and do everything this company ask and then they put me in a category with being late and missed payments. It's absolutely ridiculous and I would like to see it corrected and I called their customer service department and they really didn't seem to care!
Product: Checking or savings account

Sunday I was going to update my phone number and when I did it said your request can't be completed at this time so I can't log in to access my funds Friday I faxed and emailed my documents to prove identity and nothing happened on Monday I emailed and fax my documents again and still nothing is being resolved I need to have access to funds I can't use my money and my phone service is going to get disconnected I have not payed my rent now I have late payment to pay
Product: Vehicle loan or lease

The dealership up and closed I believe they went bankrupt. My transmission went bad and I found out the warranty I had qas no longer any good. After this some company calles Westlake started calling and demanding payment but my contract was void at this oint because the Warranty I aid for was bo longer valid.
Product: Debt collection

I had taken out a payday loan of {$5000.00} on XXXX and during that time had undergone a several financial setbacks due to a family death and housing situation. Both my wife and I had a XXXX in XXXX XXXX and had to have XXXX in XXXX XXXX. My wife and I are on fixed incomes and have struggled to get back on our feet. We also had to vacate our rental property due to our landlord short selling his home in XXXX XXXX and had undergone a major move the year before in XXXX XXXX. I had to reach out to XXXX Emergency Relief Program for some financial help, but fell behind in my household bills and had to join a debt consolidation company to help with our bills and the calls. The account in question was charged off {$4400.00} and I had not heard from anyone until now. I have received a call from a third party collection company called Northwood Asset Management Company. The telephone number is XXXX. Their is a case file number XXXX. The individual that called was XXXX XXXX, who called to threaten me with legal action and has called all my relatives and family members by their cell phone numbers. He has been very abusive, arrogant, demanding, and has belittled me with saying that I have not paid my debts and seem to be some kind of monster. I tried to explain the circumstances and he just blew me off with an uncaring attitude and started to run his mouth, threaten, using abusive language and I had to finally had to hang up on this guy. I finally had to call the Fair Debt Collection Act for consumers and they told me to file a complaint on the company and this his guys threatening and abusive tactics. Please feel free to contact me for additional information.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found inaccuracies in my personal information that must be corrected. Specifically, I am requesting the removal of inaccurate addresses that do not match my current address also please remove my other name variation " XXXX XXXXXXXX, XXXX ''. These discrepancies are misleading and detrimental to my credit status, as they may hinder my ability to obtain credit, cause delays in important financial matters, and create unnecessary confusion. Furthermore, these errors contribute to undue stress and anxiety, directly affecting my overall health and economic well-being. Accurate reporting is essential to maintaining my credit life and ensuring that I am not unfairly disadvantaged due to errors beyond my control.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX XX/XX/XXXX Per the " Fair Credit Reporting Act '' as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 U.S. Code Chapter 94 Privacy 6801 - 6809 Subchapter I - DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION. Effective immediately and indefinitely. 

Via PRIVACY ACT OF 1974 ( 5 U.S. Code 552a ). 

Via 12 CFR Part 1016 - PART 1016PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ). 

Via 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 433.2 ( a ).

Via 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION.
Product: Debt collection

I received a notification from XXXX XXXX that I had a negative collection. Listed as a collection from XXXX XXXX for a sprint bill I have no knowledge of, nor did i have a sprint phone. I called the listed company of XXXX XXXX and denied debt. I was not notified of this account or did i create or make this account from sprint. I was subjected to collections without verification or proof. I also asked for proof of debt, I received a general bill with no proof of ID, or phone call records, payment history. The documentation from XXXX states this debt occurred XX/XX/XXXX but updated on XX/XX/XXXX. The bill gives a date of XX/XX/XXXX. These are conflicting dates. This was not my phone. I have consistently had the same number, which I still have today. I have no knowledge of this debt, I might be a victim of identity theft. But yet I was subjected to collection damaging my credit score by XXXX points without verification of this debt. I will provide all documentation. the bill provided by XXXX XXXX. The dispute letter provided to XXXX who failed to protect my rights by verifying this debt. Also the XXXX XXXX  letter. I also called sprint to provide the information, they are unable to provide any information because it is with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is engaged in fraud. Charging me {$7600.00} for fictitious transactions that are not recorded on my checking account as cash transfer or anything else. Will not investigate the fraud or even open a fraud file with confirmation number to reference. This was my WALMART CARD that I had to cancel.
Product: Checking or savings account

Hello, On XXXX XXXX, I purchased an TV from XXXX through a 3rd party company ( XXXX ). This tv came out to be {$320.00} which is normally divided into 4 payments which I was ok with. The first payment came out to be {$81.00}. Everything went well and few hours later XXXX sent an email that this package was supposed to be delivered by XX/XX/XXXX. I waited XX/XX/XXXX and nothing was delivered. I waited a few days later, I even tried to reach XXXX, but they stated that they sent the package to XXXX and XXXX was supposed to be delivering the package. Thereafter, after a few days have passed, I went to the XXXX  website, but the notifications stated that this packaged was never picked up and that it was still in the XXXX distribution center. Therefore, I contacted XXXX & stated to cancel this order, since it would never get here. They didnt seem to care, so I contacted XXXX & my bank ( Capital One ) to obtain some kind of resolution. My bank started the disputed transaction and a few days later I obtained a temporary credit on my account for {$81.00}. Keep in mind, I used XXXX as a 3rd Party company, since about 2 months before, I lost my home due to a house fire & needed multiples items to obtain for my rental home. After a few weeks later, XXXX finally concluded that they were wrong and refunded the money, but since the bank contacted XXXX. XXXX closed the file on this account & stated that this transaction was legit and they thought that I was already given the refund, which is totally incorrect. The temporary credit that was given to me by the bank. They took it back even though, I am still owed {$81.00} for an item I never received. 
The bank denied my case and at this moment are doing an investigation. The bank is keeping my {$81.00} hostage for the money I am owed. I have all the proof from XXXX and XXXX, but the bank dont seem to understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to an American Express Gold card on XX/XX/2022. As part of the process, I was notified by the website that it would require additional information for income verification. My credit received an expected inquiry for the application. 

I received the XXXX Request form on or before XX/XX/XXXX. I submitted the document on XX/XX/XXXX. After submitting the document, I continued to receive around three more XXXX requests in the mail identical to the original. I submitted another one on XX/XX/XXXX, assuming there was an issue with the first XXXX. I had no contact with the company at this point. 

On XX/XX/XXXX, I received a second hard inquiry on my credit report that was unauthorized. I discovered this on XX/XX/XXXX, and I called the customer support line to get more information. I was told that my original credit inquiry expired, and they automatically ran a second one without my consent. I was further told that the IRS should be returning the transcripts they requested shortly, so they should be able to make a decision soon and to call back in about a month if I did not hear anything. I was annoyed by the second inquiry, but I was willing to accept it if I received the decision I was waiting for. 

On XX/XX/XXXX, I called customer service again after not hearing anything about the application. On the call, I was told that my application was no longer valid due to it being inactive for 6 months and if I wanted to continue the process, I would need to apply again and receive another inquiry to my credit report. Further, I was told that my original XXXX form did not return from the IRS and that I *might* not need another XXXX if I applied again, but there was a possibility of having to submit the form again. 

At this point I requested to have the inquiries removed from my credit report because the application was never processed and it was entirely out of my control. Further, the second inquiry was not approved by me at all. I was told that was not possible and I requested a callback from their floor manager. 

On XX/XX/XXXX, I received the callback from the manager. They apologized for the situation and said that they will remove the inquiries from my credit report. Further, I was told that if the IRS returns the transcript at any point, I would receive a call from American Express to re-pull my credit to process the application. 

As of today, XX/XX/2022, both inquiries are still on my credit report and I have not heard anything from American Express.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Payday loan

Cash net USA charged my bank 2 times in a 2 week period. They are giving payday loans illegally in the state of Maryland.