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

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Company Name : XXXX XXXX  - Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX  - Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX - Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX - Date of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX {$500.00} was sent through Zelle from my XXXX  XXXX  account to a XXXX XXXX and XXXX XXXX I let Zelle know I didnt know who these people are and they basically told me there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a unauthorized use of ID information I am in the process of filing another Police report. My bank account and credit profile have been comprised.The information is not information relating to any transaction by myself, I am attaching a copy of my ID and SS to confirm My Identity to the credit bureaus. It was an unauthorized XXXX XXXX  account. I have never done business with any of these companies I don't know who they are : XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am requesting a FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency
Product: Credit reporting

All XXXX Bureaus still reporting fraud accounts that I notified them that all XXXX XXXX and XXXX XXXX were not mine and that I had my Identity Stolen ( Have ID Report Already from FTC/FCC Documenting this ) The bureaus are not validating this I know there using XXXX witch is illegal stating valid accounts there not and this is harming me there allowing damage
Product: Credit reporting, credit repair services, or other personal consumer reports

Date sent : XX/XX/2021 To XXXX, Equifax  and XXXX  Letter of Request to Experian included the following information : " Re : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item, investigate and delete from my credit report. 

2. Validate this account XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item, investigate and delete from my credit report. 

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 the Fair Credit Reporting ACT 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation 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. '' XXXX and XXXX did an investigation and came back with the same results reported prior to my request. Equifax has not yet responded. Sadlly enough, I was impacted by both the XXXX  and Equifax Data Breach. 

I feel as though my request was completely ignored and treated as frivolous. It is unfortunate that any private agency has the power to inflict damage to a Consumer 's credit rating with such a broken credit reporting and credit scoring system, which is grossly inefficient and life impacting. 

My last resort will be to file for litigation due to the stress this has caused me. I am seeking your support in having this information removed from my credit report immediately. Your assistance is greatly appreciated. 

Sincere Thanks!
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 reporting agency , 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 a collections account opened at XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at 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 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: Student loan

I took out private loans with then SallieMae which now is Navient for my time at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX for a XXXX XXXX As of recent news with The Biden administration announcing XX/XX/XXXX that the Department of Education ( ED ) would automatically forgive all remaining federal student debt for people who attended any XXXX XXXXXXXX XXXX between XXXX XXXX, XXXX, and XXXX XXXX, XXXX. Navient knew what type of schools they were going to be working with when they agreed to provide loan services for the XXXX XXXX and their parent company XXXX XXXX XXXX ( XXXX ). Investigations from these states found that the XXXX XXXX and former owner XXXX XXXX XXXX ( XXXX ) misrepresented job placement rates, post-graduation salaries, and job opportunities for graduates during a nearly 14-year period.

I have reached out to Navient before when XXXX  closed their doors late last year to have my loans discharged and they told me that since I was not enrolled at the time of closure I did not qualify. Currently on an income based payment plan so I didn't go into default but now as these companies are being exposed and found of the predatory tactics they used to feed off young individuals including veterans such as my self for profit and committing fraud against service members of the military. Here is my private loans listing from Navient as of today XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Owner NAVIENT XXXX XXXX XXXX Disbursement Date XX/XX/XXXX Original Principal {$14000.00} Currently Owe {$80000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Owner NAVIENT XXXX XXXX XXXX Disbursement Date XX/XX/XXXX Original Principal {$20000.00} Currently Owe {$72000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax twice a month via us postal mail for the last past year with a dispute packet, police report, FTC affidavit, notarized documentation over incorrect student loans reporting due to fraud. This is hindering my life tremendously, I have contacted the furnisher by mail, please see attached documentation! These student loans were fraudulently submitted and not opened by myself, i am seeking help to get them deleted off my report! I have contacted law enforcement reporting the fraud, submitted notarized documents, and tried calling the credit bureau via phone but no resolution has been found. I am contacting the consumer financial protection bureau for assistance! 

Furnisher : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX fraudulent loan accounts reporting on my Equifax report
Product: Checking or savings account

Hello. On XX/XX/XXXX - XXXX, there was several unauthorized charges from XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX. these charges are as follows {$230.00} {$70.00} {$40.00} These three are from XXXX XXXX, then the following is from XXXX XXXX : {$200.00} {$100.00} {$10.00} {$10.00} Then the XXXX transactions : {$130.00} {$95.00} These transactions are unauthorized and has caused me stress and loss of money. I just want reassurance that I am able to regain the lost funds and be able to prevent another situation from happening again. I have contacted each company, but to no avail.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The following creditors with whom I have no open accounts or relationship with-obtained my information UNAUTHORIZED and WITHOUT MY CONSENT : Creditor Name Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion
Product: Vehicle loan or lease

So i was mislead to buy a new Vehicle. They said only one bank approved me. Which was another lie. The whole time the seller mislead the buyer into signing a contract .ive tried talking with the GM but hes rude. I took it back within the time limit and they refused. They used someones elses insurance. They will know its me. They brought my credit down to nothing
Product: Credit reporting or other personal consumer reports

I have not applied for any new credit or services with the listed creditors on the XXXX  date. As a result, I am concerned about the potential impact this unauthorized inquiry may have on my credit score and overall financial standing.
Product: Credit card or prepaid card

There is a fraudulent account fr CHASE FREEDOM ending in XXXX. And because I could not verify all the address information and phone numbers they would not allow me access to the get proper information, this account does NOT belong to me I have NEVER opened an account with chase as I have never heard of them either. They are not located in here. I also never gave anyone permission to use my information as it is on the dark web via an XXXX data breach because there was also XXXX accounts and XXXX opened in my name as well. More things not even in my area, I want this removed off of my reports immediately and my social security number REMOVED from their system. I check my credit report once a year usual and then I see this stuff on there I have absolutely nothing to do with. This is a fraudulent account remove or I will contact my family attorney to handle this as its illegal to knowingly have fraud information. On someones credit report and leave it there.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

In XXXX XX/XX/2020 I made a telephone payment of {$100.00} to my capital one visa using my XXXX  XXXX XXXX checking. This is something I used to do every month. Capital one withdrew {$700.00} instead of the intended {$100.00}. 
That was the total amount owed to the capital one visa that I owned at the time. When I discovered this I reached out to CapitalOne and they told me that in order to recover my money I would have to talk to XXXX  XXXX XXXX and they had nothing to do with the overcharge. After this incident CapitalOne sent me a letter stating that they suspected I was a victim of identity theft and that would explain such overpayment. CapitalOne replaced my credit card thee times and every time I get the new card I have to spend hours talking to them, theres always something wrong different credit line for example. I finally decided to close my account with CapitalOne when I checked my fico score and I found out it dropped about 40 points because they reported me late with my monthly payment. The reason I was late was the dispute about the amount paid back on XXXX XX/XX/2020. CapitalOne not can not protect my private information but they also charged me late fees and reported me to the credit bureaus unfairly causing me and my family lots of problems. We all understand the situation were living nowadays with the covid-19 pandemic. Someone please help me because I feel helpless specially when I try to contact CapitalOne and it seems that no one there can give a satisfactory answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently checked my credit file and my XXXX XXXX and discovered several new alarming things. 1st a new collection was added to 2 credit reporting agency reports that I have never heard of for an XXXX XXXX XXXX account that I never opened. Next there are dozens of random inquiries on my credit file with XXXX XXXX, Equifax and XXXX. 
XXXX and XXXX XXXX have Fraud warning on my reports that I need to be contacted and I was not in regards to these inquiries. 
Next I went to open a new checking account and discovered that all the same places that were on XXXX XXXX, Equifax and XXXX were on my XXXX XXXX and I wasn't looking for any banking account needs until XX/XX/XXXX. All the other activites have been outside that date several XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} that I have reported to the police and is enclosed.
Product: Checking or savings account

Paypal, Paypal Credit, and XXXX XXXX XXXX, has failed to provide credit so I can make purchases on XXXX, the option to pay later has not been offered to me so I can receive it. Pay pal Credit has not verified my XXXX credit report nor have they called me about credit. 

Pay pal has not paid its judgement to me because Pay pal violated my human rights, financial rights by failing to provide annual error-resolution notices and monthly account statements under the Electronic Fund Act. Settlement can be viewed as not paid at XXXX Spoke and have statements from Paypal Counsel, XXXX XXXX XXXX .
Product: Debt or credit management

The fees went up without notice. Credit score didn't change. Lack of communication on what was going on.
Product: Checking or savings account

Fold locked my bank account on XX/XX/2023. The business requested that I upload identity documents and a selfie. I uploaded them on XX/XX/2023. The business has not unlocked my account, provided a timeline for unlocking the account, returned the money that was in my account to me by check, or compensated me for lost income as a result of the freeze on my funds as of XX/XX/2023.
Product: Credit card

On XX/XX/XXXX I paid the balance of my Lowe 's card XXXX. On XXXX I called to dispute the interest charge of XXXX and to close the account. Today I reviewed the statement which reflects the interest XXXX with an additional {$2.00}. interest on that balance. 
Lowe 's Account # XXXX XXXX XXXX opened in XX/XX/XXXX. 
My previous complaint was about XXXX  that was doing the same thing. 
They should remove any and all negative comments to my credit. 

Please note that I moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ChexSystem Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! ChexSystem never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!
Product: Checking or savings account

USBank put a freeze on my checking account and did not notify me. I discovered it later after they texted me at XXXX about an upcoming bill due date. All accounts are current. 

Contacted USBank and was transferred by agent who refused to give name : From CustomerService to CreditCard dept. 

Credit card Deparment call 35minutes says It's CustomerService issue ; then they disconnected me. 

Back to CustomerService dept. who after 35 more minutes says it's CreditCard Department 's issue. Then disconnected me again.

CreditCard Department says it's customerService issue and final customer service department says 1. There is no way to create a paper trail for this issue. They will not provide an email address. 2. They said they will have a Supervisor call me in 24-48 hours. It's now been 5 days and no one has called. I've experienced this dissimulation before with USBank. There never was any problem with the account. Their systems are errant and they do not take accountability. USBank regularly disconnects calls and misrepresents issues to customers. Far too many times, I have felt in the position of having to train USBank representatives. This is really poor service from a National bank that should do much better. I checked their reviews on XXXX and was horrified to see USBank has overall score of 1.3 out of 5 for 700 confirmed reviews. I hope ConsumerFinance performs some sort of customer service & quality control auditing for this 'bank '. They charged an overdraft fee and late finance charges & wasted nearly 3 hours of my time on the phone. This is my history with USBank, for which I've been a customer for at least 20 years. Thank you.
Product: Debt collection

Called CRME Financial on XX/XX/year> to check account balances for myself and children. Spoke to a male identifying himself as XXXX. XXXX was extremely rude stating you just called here, we told you this information already and when asking clarifying questions that made perfect sense was told you need to rephrase your question because you make no sense. I had not called this company prior and confirmed that all calls are recorded and that they could check their records to see I had not called prior. When asked if I was going to settle my debt, i stated I was unsure these were even my debts and I needed some form of verification as I had not received any hard copies of the debts. XXXX then stated so youre refusing to pay your debts very rudely. When I asked to speak to a supervisor, I was refused and told they were busy. I stated I would wait and was told were a debt collector and dont have time for this. Completely unprofessional. I have tried to call several times since with my calls not being answered. Hard to verify a debt when nobody will answer the call.
Product: Debt collection

Over 2 years ago my identity was stolen. XXXX allowed someone to open a XXXX acct under my maiden name. I have not been that name in over 10 years. The account was opened in XXXXXXXX and I have lived in XXXX for over 10 years. No matter how many times I fax the documents that XXXX or whatever collection agency they turn it over too they do not fix it. Even though everytime I call XXXX and refax the documents they assure me everything is fixed and not to worry. I just went thru this in XXXX 2016 and I am going thru it again now as they have reported the XXXX act against my credit/SS # as a charge off which has totally messed up my credit. I call XXXX and nothing gets resolved. I call the credit collection and nothing gets fixed. I have faxed and refaxed the documents more times than I can count. What does a person have to do to get something resolved like this. I have more than proven it is fraud acct that I do n't owe and should not be responsible for. I have done everything I have been told to do and still nothing but a bad mark against me that I ca n't get anyone to fix!! PLEASE HELP ME!!! I have been calm, cried, screamed done everything!! EVERYTHING THEY HAVE ASKED YET NO ONE FIXES THIS AND IT IS DESTROYING MY CREDIT.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX professional financial services continues to use false misleading deceptive practices I agree with thine adversary as I'm not under the law but under the grace of god I am XXXX XXXX the Master Merchant the implied surety I am the Security Certificate Holder of the principal Debtor/Franchise all proceeds are due unto me as I have right to subrogation as surety/Accommodation party. I demand my right of subrogation as it trumps the XXXX XXXX regard we as the beneficiary I demand my cash value in this transaction master everything all rights reserved without recorse