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

XXXX, Equifax and XXXX are breaking the law per 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR EQUIFAX, XXXX OR XXXX TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! Ive sent certified mails to each consumer reporting agency in which I was ignored and its been well over 30 days! 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022 XXXX XXXX XXXX  Equifax - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022, XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting DPEDXXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting DEPTEDXXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DEPTEDXXXX Account Number : XXXX ***** Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting DEPTEDXXXX Account XXXX : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER DEPTEDXXXX  Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card

I was laid off and am currently receiving unemployment. I have explained to Discover Card Services that due to my circumstance, I am unable to make the full payment, and have asked them for their help regarding a hardship payment reduction plan, and they have refused saying they can not do any better than my current interest rate of XXXX %. I have continued to make a reduced payment as to the amount that I can possibly afford, yet they continue to call and demand more from me, and have said that they will turn report this to the credit agencies. In the meantime because I am unable to make the full payment they are tacking on late fees.
Product: Debt collection

I have zero knowledge of this account it does not belong to me is 100 % fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
When I investigated my credit report, I realized that some of the information was erroneous. The Transunion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below :, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX Date Opened : XX/XX/2016 Balance : {$24000.00}
Product: Credit card or prepaid card

In XXXX of 2020 my wife flew home to the XXXX on a flight booked through the American express travel feature. Upon trying to return she wasn't allowed to board the flight. This was due to issues at the start of the pandemic. She was able to book a flight with another airline but when she returned home we tried to get a refund for the unused portion of the ticket and were giving the runaround. I called amex, XXXX, and XXXX XXXX to try and resolve the issue myself but the airlines told me amex owed me the refund and vises versa. I just want my money back
Product: Vehicle loan or lease

GM Financial is reporting inaccurate information on my credit report. Its reporting a balance on a closed account that has been charged off. I am asking for accounting records and paperwork of vehicle been sold in auction and for how much, not just their word. I want to know how did the company verified I owed XXXX. Because the original balance was XXXX and XXXX was written off and vehicle was sold in auction so the number are not adding up.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I was scammed online by individuals who led me to believe my online banking was hacked and that someone was trying to withdraw {$15000.00} out of my savings account. In order to save my funds I was instructed to go to my bank and withdraw my savings account and wire the funds to a security account that was opened at another banking institution to protect me. I went to my bank and wired those funds to the account information they provided to me which my bank did question me about this transaction. I had to pretend that I knew the person I wired the money to. The scammer made me believe they were from my security department because I gave them the phone number on the back of my card. They stayed in touch with me the whole weekend because the banks were closed for the holiday, When the bank opened on XXXX  they instructed me to go to the bank so they could tell me how to get the money back into an account for me. They were really sending me there to drain my checking account ( which I almost did ), but my brain finally clicked in and I realized I was scammed. I talked to my branch manager about this and I went to my local police and filed a report with them. I do not hold my bank accountable, however, I do question the other bank involved. I feel something was not legitimate in the way the account was opened or how the withdrawal was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still inaccuracies on my Credit report, which are 2 Chase Act # ending in XXXX and XXXX. I have not gave them permission or consent for these accounts. under 15usc 1681a ( 3 ), they have done things without my permission. Also they did not respect my rights to privacy pursuant to 15 use 1681 a ( 4 ) as well. they never had permissible purpose which is under 15 usc 1681b ( 2 ). I never instructed them to furnish this report and I never consented to this at all.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$360.00} XXXX Inquired on XX/XX/year> These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Bank account or service

I needed to set up online banking, and needed access to my account number from work ( my account statements were at home, and I was locked out of my online banking account. I called Citibank 's customer service line to get my account number and they kept me on hold for 30 minutes before ultimately telling me that they were not permitted to give out that information over the phone and I needed to go to a branch. They were extremely rude and a huge waste of my time!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
XXXX5 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

S & S Recovery agreed that if I paid the total amount I owed on XX/XX/2023 of XXXX, they would remove it from my credit report. However, the debt has been paid, and they haven't removed it from my credit report. Therefore, the representative agreed to DELETE it if I paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I negotiated this payment with the collections company ( Diversified ), I agreed to pay this as long as the entry was completely removed from my credit reports. This has never  happened and I've tried a few times to call them with no results. This continues to show up on my credit report and damage my scores and ability to secure financial products. 

CURRENT ACCOUNT/WAS DELINQUENT 120 DAYS PAST DUE DATE. 
DIVERSIFIED XXXX XXXX PAID ORIGINAL CREDITOR CLASSIFICATION : Cable/Cellular ORIGINAL CREDITOR : XXXX AT T LAST REPORTED DELINQUENCIES : XXXX ORIGINAL CREDITOR : XXXX XXXX  PAID COLLECTION COLLECTION ACCOUNT CollectionAttorney Closed Highest Adverse Rating - Date:XXXX, Type : Collection Most Recent Adverse Rating - Date:XXXX, Type : Collection Prior Adverse Rating - Date:XXXX, Type : Collection XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX 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 as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Wrote to mortgage company several time. The mortgage company referred me to the owner. but did not answer my queries.
Product: Credit card or prepaid card

BACK IN XXXX I RECEIVED A LETTER FROM USAA BANK SAYING THAT I HAD APPLIED FOR A CREDIT CARD WITH THEM AND IT WAS DENIED. I IMMEDIATELY CALLED THEM ON XX/XX/XXXX TO LET THEM KNOW I DID NOT APPLY FOR THE CARD AND I HAVE NEVER BEEN IN THE MILITARY. THEY SAID THEY WOULD FLAG THIS ACCOUNT SO NO CHARGES COULD BE MADE. I THEN CALLED ALL 3 CREDIT BUREAUS TO PUT A FREEZE ON MY ACCOUNTS SO NO ONE WOULD BE ABLE TO APPLY FOR CREDIT UNLESS I CALL THEM MYSELF. TWO DAYS AGO I SAW MY FICO SCORE DROPPED IMMENSELY. UPON PULLING UP MY CREDIT REPORT I FOUND SOMEONE HAD OPENED A CREDIT CARD ( USAA ) USING MY INFORMATION. I NEVER APPLIED FOR OR OPENED THIS CARD AND I WAS TOLD THIS ACCOUNT WAS FLAGGED BACK IN XXXX. I CALLED USAA BANK TODAY ( XX/XX/XXXX ), SPOKE TO XXXX XXXX, AND SHE SAID THAT I WILL NOT BE RESPONSIBLE FOR THE {$25000.00} CHARGES ON THIS CARD AND THEY WILL LET THE CREDIT BUREAUS KNOW THAT THESE CHARGES ARE FRAUDULENT. HOPEFULLY MY CREDIT SCORE WILL BE RESTORED PROMPTLY.
Product: Mortgage

Navy Federal Credit Union XXXX XXXX and XXXX XXXX cancelled my settlement, which was to occur on XX/XX/2018, on XX/XX/2018. This was because of an allegation that I was unable to satisy a statement of deposit of funds in my XXXX Account. We worked together for 2 hours with XXXX and Ms. XXXX joint on phone trying to get something acceptable to their underwriters but the settlement was cancelled arbitrarily at XXXX shortly after the documentation was given saying was inadequate time for the underwriters to clear it. ( their work hours was until XXXX according to Ms. XXXX. 

I was sent the " temporary '' closing disclosures at XXXX on XX/XX/2018 and esigned it immediately. My wife was not sent the document so we assumed it wasn't needed. The new settlement date was set XXXX. 

on XX/XX/2018 we were sent a " Mortgage Production '' message at XXXX, I signed in at XXXX, my wife was sent a letter to call XXXX XXXX to ok the closing disclosure. My wife called and XXXX returned the call at XXXX. XXXX was asked if she had seen the statement " Closing Disclosure '' and did she agree with it or have any questions and my wife answered no. Three business days from this notification on XX/XX/2018 would be the XXXX of XXXX. Settlement was allowed to occur on the XXXX of XXXX. This was a violation of the Truth-in ' -Lending Act. 

My observation is the following : When the documentation was " almost late '' a decision was made to cancel the real estate transaction because the law required a 3 day notice. This caused us much stress and change of plans and money as we had to cancel several appointment which we had applied a deposit. This XX/XX/18 settlement date had been in place for over a month. 

When NFCU employees make a mistake of not including my wife in the sign off of the closing disclosure and its consumer protections, it was ok to break the law and let the settlement stand so that they would not be embarrassed. 

Don't believe the law was intended to be one way, to discriminate against buyers whenever something occurs but " bend '' the rules when it works the other way. 

Thank you for listening to my complaint. I desire no monetary damages from NFCU but would expect a letter of apololgy and a violation of the Truth in Lending Act. 

XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023 a fraudulent charge of {$1100.00} was posted to my Goldman Sacks ( GS ) Apple Card.

I immediately received notice of this charge and contacted GS with my dispute. 
On XX/XX/2023 I received a letter stating their investigation was completed saying their investigation was completed saying they reviewed available information which confirmsI authorized the charge, That same day I contacted GS and continued my dispute asking for information. Nothing was provided. 

Today, XX/XX/2023 I once again contacted GS and was told the charge is still being investigated. I asked the GS agent to escalate my dispute and was told they would not.
Product: Money transfer, virtual currency, or money service

CashApp/Square/Block closed my account without reason. I was not properly informed of why my accounts were closed based on the Terms of Services provided. Not only was my personal account closed but also my Business Account, and a non related Organization account in which I am a share holder. Representatives with the Company fail to provide specific explanation in relation to the Terms of Services in which my character is being accused of violating. 

This process began XXXX XXXX XXXX I have contacted the Company on serval occasions and still have yet to receive specific and proper explanation to this matter at hand. I can truthfully attest to this matter as I did not knowingly committed any violation to the terms of services or any fraudulent activity. In fact, I am actually a victim of fraud in this case. The company has not provided me with legal process or further disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX Balance : {$260.00} ; XXXX  XXXX Balance : {$370.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$350.00}.
Product: Debt collection

The other credit bureaus have been able to update and correct this information, and I expect Experian to follow suit promptly. Despite successfully disputing and rectifying this information with other credit reporting agencies, it continues to persist on my credit report. I find it perplexing that Experian has not updated the reporting of the late account, especially when other credit reporting bureaus have successfully rectified this information. 
XXXX XXXX XXXX PLEASE UPDATE!!! 
I request that Experian reviews this information carefully and takes the necessary steps to update my credit file accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Money transfer, virtual currency, or money service

This complaint was previously filed with PayPal and the CFPB per Complaint ID XXXX. When PayPal replied to the complaint with a non-sequitur, the CFPB improperly closed the complaint. This demonstrates a deficiency in the CFPB consumer reporting system.

The substance of the first complaint which remains unresolved is that the PayPal software platform permits unlimited numbers of pre-authorized invoices to be submitted for payment to user accounts with no recourse for users to report the pre-authorized invoices as fraudulent. In my case, XXXX such invoices were submitted for " XXXX XXXX '' when I did not engage any such company. Although I tried to report these invoices as fraudulent to PayPal using their Resolution Center, by calling customer service, and through their Chat Assistance, no support was provided. When I filed a complaint with the CFPB, PayPal responded with instructions to report the fraud using their Resolution Center. This is a non-sequitur because, as the information I provide pursuant to this complaint will demonstrate via attachments, the Resolution Center does not permit the reporting of pre-authorized invoices. When I tried to mitigate the impending fraud by removing payment methods stored with PayPal, I received a message that as long as inovices remained outstanding I was required to leave a payment method on file, nor was I permitted to close my PayPal consumer account.