23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I paid off my Macys Credit card on XXXX XXXX, 2015, cleared on XXXX XXXX, 2015 thru my bank. I called on XXXX XXXX to check if had been reported to the credit bureau and they said it would be reported on or before XXXX XXXX. In the mean time ... I am trying to prequalify to purchase a home so I am awaiting for my credit report to reflect. My loan company ran my credit report on XXXX XXXX, 2015 and Macy 's is still reflecting a balance. I called them again on XXXX XXXX, and they said they could n't do anything about it and they would report it to the credit bureau by XXXX XXXX, and also for me to contact the " Credit Bureau '' which was a dead end, not sure where to contact because the number they gave me was incorrect. Due to this problem it has affected by credit tremendously. If they did n't assure me of being cleared by XXXX XXXX, them I would n't have had my loan officer run my credit on XXXX XXXX, 2015. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a supporting letter off on XXXX XXXX 2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is to share my information to a third party.

There are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been registered as a delivery driver on XXXX since XXXXNow XXXX is doing an annual background check on me through checkr. 
Background check company checkr says it can't complete my SSN trace, that kept my background check from being completed. 
I contacted support via the checkr website and they replied that I needed to contact XXXX and wouldn't tell me exactly why my SSN trace couldn't be completed, He also said that he would not accept my direct submission of relevant information, Just a simple reply to me to communicate with XXXX. 
I contacted the support staff through the XXXX app and got the answer is : After providing you with an opportunity to correct your SSN information in the Checkr Candidate portal, Checkr remains unable to process your background check due to problems with the SSN you have supplied in your XXXX account.Because we can not obtain a complete background check, we are unable to partner with you.So my XXXX account has been inaccessible since XXXX XXXX contacted checkr and XXXX many times about this and got the same answer every time. 
I personally went to the Social Security administration to verify my SSN twice and they told me in no uncertain terms that there was nothing wrong with my SSN, So I don't know why checkr can't complete my SSN trace.No one told me why. 
I haven't been able to work for nearly a month now.I need to solve the problem as soon as possible, which has brought trouble to my life.
Product: Debt collection

I was part of a XXXX with my ex-spouse, until XXXX XXXX, 2008, at which time I was terminated and released of all company liabilities, present and future. My ex-spouse received the XXXX as his separate and sole property in the settlement agreement. He also completed legal paperwork to have me removed from a XXXX XXXX XXXX business line of credit. The ex-spouse warranted to me that he completed and submitted a Release of Guarantor Agreement to XXXX XXXX XXXX, thereby legally removing me as a guarantor of his companies ' future financial liabilities and debts. XXXX XXXX XXXX claims they do not possess that paperwork, and sold the debt fraudulently to XXXX , XXXX, who hired the Law Offices of Joe Pezzuto in Arizona to attempt to collect the debt from me. 

I requested in writing, well within the XXXX day time frame, for XXXX , XXXX and the Law Offices of Joe Pezzuto to validate this debt, and and my request was IGNORED. XXXX , XXXX, reported a collection account to all XXXX credit bureaus : XXXX, XXXX XXXX and XXXX. It is my understanding that if the collection agency does NOT validate the debt, they are violating my rights under the Fair Debt Collection Practices Act. Furthermore, since XXXX , XXXX, has reported information that they know to be inaccurate and incorrect to the above listed XXXX agencies, they have violated the Fair Credit Reporting Act 15 USC 1681s-2 Section 623. If XXXX , XXXX attempts to pursue a judgement without validating the debt, they are again failing to comply with the Fair Debt Collection Practices Act. This is not my debt. I requested validation, which I have NOT received, yet they are continuing to attempt to collect this debt. I now have negative, harmful and inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ EQUIFAX ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ EQUIFAX ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ EQUIFAX ]. 
Account Information : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above referenced account and requesting its removal from my credit report, [ EQUIFAX ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. The violations committed by [ EQUIFAX ] include but are not limited to : Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ EQUIFAX ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ EQUIFAX ] upholds its obligations under the law. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ EQUIFAX ] accountable for their actions. Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a written letter that Experian has requested that I gave to write in my request. 
It comes down to someone with in Experian has been running my credit to obtain credit to defraud me I have proof I have not applied for credit in over 90 days and credit report shows companies that dont no me or even deal with the type of credit that was ran for through experian, experian I filed complaint and now am blocked from writing calling and even online account. and now the person that blocked me was a manager for the special handling unit named XXXX and both managers are Female thats proof of security breach within the company they refused to give me my credit report request when denied credit so if this problem is not fixed I will report it as a possible XXXX attack on my social security account the companies that are on my report experian has told me on recorded line that the only information on some of these account only show they provided name and date of birth no SSN then applying a fraud alert on my account and sending to the three other reporting agentsys they put fraud alert but experian cant show who requested the fraud alert and I am blocked from calling and online account and righting per my pryor complaints through the FTC and CFPB and the Texas Attorney Generals office the problem is coming from the possible XXXX attck from a male Manager in special handling unit manager but special handling unit managers are Female. 
They told me I had to write a letter I told them I cant read or write well because of my XXXX they said my XXXX has no bearing on this complaint so they dont care. XXXX discrimination. I am being helped by the spelling from my wife for this complaint. Here is some of thecompaneys that dont exist or ever heard from my or show me evere applying with them XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 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 -Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

I received a debt collection request from a Aldous & Associates for a debt of XXXX dollars off a XXXX 's XXXX  membership that I cancelled in XXXX of this year. I have called them several times to speak to them in person, but only have talked to a automated voice machine. 

They did leave the option for me to leave my number but after a quick XXXX search resulting of claims of constant harassment, decided not to leave my number. 

I will once I figure out a way to not be innated by robo calls, maybe though an online proxy phone service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rocket mortgage a subsidiary of quicken loans called to offer a mortgage. I expressly said do not pull a credit report multiple times. Caller conned me by asking for last 4 of social for ID verification. I never wanted the mortgage and I never gave consent for credit inquiry. However thats what they did. They pulled credit report causing my score to be impacted. I am applying for a mortgage elsewhere ( I was already preapproved ) but this impacts my interest. They refuse to remove the credit inquiry that they pulled fraudulently
Product: Money transfer, virtual currency, or money service

I found a bicycle seller online and negotiated a price for a used bicycle and it's shipping to my residence. Seller suggested we use PayPal, instead of XXXX. 
I transacted the agreed amount with the seller ( I paid the " seller '' for the bicycle and it's packing/shipping separately ) through 2 PayPal transactions on XX/XX/2023, and XX/XX/2023. 
Seller never shipped the bicycle to me- they communicated frequently, suggesting different reasons for why they had not shipped the bicycle each time, and extending the date they said they would ship. 
I filed disputes for the 2 transactions with PayPal, asking for my money back ( both disputes filed on XX/XX/2023 ). PayPal reached out to the " seller '', who responded to PayPal and shared a XXXX tracking number as evidence they had shipped something. PayPal closed the dispute, in the seller 's favor, and had transferred funds to the " seller '' on XX/XX/XXXX and XX/XX/XXXX respectively. The XXXX tracking number shows delivery to somewhere in my city ( but it does not show a full address ) on XX/XX/2023. Meanwhile, the " seller '' sent me messages on XX/XX/XXXX that they had not shipped the bicycle. 
PayPal closed their investigation and are now asking me to file a dispute with XXXX ( who won't even share with me the destination address of the package ). 
This has resulted in me losing USD XXXX. XXXX has asked me to provide a " XXXX intranet form '' as evidence that I have filed an investigation with them. XXXX does not recognize such a form. I asked PayPal to join me in a 3-way call with XXXX, to hear from XXXX directly that the package was not delivered to my residence ( XXXX agent offered to do this for me ). However, PayPal agent won't support this request either. 

This serves to illustrate how PayPal is aiding and condoning online fraud while making money through transaction fees and absolving themselves of any losses from fraudulent transactions. On PayPal 's own website, several users have reported similar situation and advised PayPal that XXXX does not have an " intranet form ''. So, mine is not an isolated experience either
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I purchased a used truck from my local dealership. I requested my credit information be pulled by my bank as I already had loans through them before. The dealership sent my information off to two other banks that I did not give authorization for. I would like these removed from my credit reports XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX Also, on XX/XX/2019, i was a co-signer for a car loan. The dealership said they would only send my application to two banks as i stressed I did not want my credit report hit multiple times and drop my score. They told me this was no problem. I then got 6 alerts on my phone that an hard inquiry was made and went on my credit report. I asked the dealership why they did this cause I did not give the okay to send my information out to 6 banks for a car loan. I would like these removed as well The inquires are as follows : XXXX XXXX, TX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have another complaint against this XXXX  company Heights Finance with you XXXX after they lied  to you a federal regulator claiming they had not reported my account as a charge off, when indeed they had, and would work with me and allow me to pay, which they did not!! Now they are not only reporting it as charged off, but did not apply the last payment they took from me and are showing my balance information incorrectly!!! The balance after payment is listed on this printout, which is EXACTLY why I made them give it to me. They were also telling me the day I was there " It is in your best interest not to make that payment '', in other words, they had charged the account off a day before the date they and their district manager told me I had to pay it, so they probably pocketed that money order!!!! I have attached this payment information and the final balance after they said they charged the account off and my payment that day was deducted!!! My credit report as you can see from the information I put in my complaint above shows the balance at {$3300.00} when it is {$3000.00}!!! They are breaking every FDCPA laws ever written, please enforce the laws!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried with Equifax to resolve this now Im filing a complaint with consumer financial protection bureau, I have a fraudulent inquiry just one on my credit report, I do recognize this inquiry I want it removed every time I call Equifax I have been hung up on and treated rudely, i know the fair credit reporting act and it says i can dispute any and all negative accounts that are not mine and any information I dont recognize including inquiries that show up in my report, this inquiry is from XXXX days XXXX I do not recognize this inquiry Im disputing this as fraud and please remove this inquiry from my report I DO NOT WANT a fraud alert on my report I repeat do not put a fraud alert on my report just simply remove this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this CFPB complaint on my behalf and I am informing you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

About 30 days ago, I notified Tranuion that they were reporting these to XXXX XXXX. XXXX XXXX accounts duplicate they are error of reporting. and the investigation came back as verified so when youre still reporting duplicate accounts You are also in violation of the Fair Credit Reporting Act by the use of misleading representations and unfair and deceptive practices 15 U.S.C 1581e ( b ) XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Im requesting for another reinvestigation of these allege accounts and I want cease reporting and removal of all inaccurate reporting Accounts.
Product: Credit reporting or other personal consumer reports

My report is not accurate and incomplete. Payments show delinquent for XX/XX/2024 and XXXX of XXXX  Account # XXXX XXXX XXXX XXXX  according to the fair credit reporting act whenever a consumer reporting XXXX prepares a consumer reporting it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to. 15USC 1681 ( c ) ( b ) and according 15USC 1681 I5 They are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general after reinvestigation under paragraph ( 1 ) of any information diputed. Please also see attached invoice provided by XXXX XXXX wich shows the inaccuracies on reports.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds stating the account is accurate while providing zero evidence of any investigation or proof. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts that I have marked as inaccurate : XXXX XXXX {$530.00} XXXX XXXX XXXX, {$320.00} XXXXXXXX XXXX XXXXXXXX, {$160.00}
Product: Credit card

I lost my chime credit card on or around XX/XX/XXXX  and XX/XX/ My credit card was used at a XXXX multiple times on the XXXX at a pump for the amounts of {$170.00} {$86.00} {$8.00} {$17.00} and also at XXXX  for the amount of XXXX from XXXX till XXXX. After seeing the transaction I call chime to dispute charges and let them no my card was lost I spoke with a supervisor who cancel card and told me the location of charges and advised me to go to the XXXX and try to resolve this my self and I did but the clerk gave me no information and refuse to talk he said he wasnt a manger since then I have provided a police report and also another supervisor advised to send in pictures of the day to show my location which I also provided just for them to keep giving me more task I feel like my money is a lost and Im the victim of fraud.. But its like the bank not taking it serious and its like my money its not protected
Product: Checking or savings account

Im filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees that Ive incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.