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 in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$7800.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX  XXXX Balanced Owed : {$2600.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit card

Hello, I have a XXXX XXXX [ XXXX Bank ] and was late on my XXXX & XXXX payments because I was out of the country and was charged a {$40.00} late fee in XXXX & {$40.00} late fee in XXXX. Not only are the late fees outrageous, but I am also still making a payment within the 30-day window. I received nonstop calls and text messages for XXXX weeks straight in XXXX when it hadn't been over 30 days, and I made my payment within the XXXX window. The calls and text messages were harassing even though they were still in the 30-day window, and I made a payment within XXXX weeks of the actual payment date. I would like to report the harrassement I received and the late fees that are even more than my minimum payment.
Product: Vehicle loan or lease

I recently been a victim of theft from Carmax Auto Finance. They stole my vehicle on XXXX XXXX. I paid cash for my car and I don't have any contracts with Carmen Auto Finance and I demand that they remove any encumbrances or liens from my property if there are any and return my property immediately. I sent out written correspondence disputing the account asking for the original contract, and an audit trail of this debt they allege that I owe. I don't owe them anything because they never gave me anything of value. I Mailed in my correspondence disputing the validity of the account but they ignored my me and I have not received any response yet. Instead, they just came and stole my vehicle. They violated my rights and stole my property are attempting to steal my vehicle by theft and violate my rights. I will be forced to take legal action if they do not return my vehicle because they illegally repossessed my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Valid police reports are attached to this complaint if in the future a creditor willfully tries to report a debt account to my Innovis report. I have also attached the Detective from the police department. He specifically stated to seek the cooperation of the credit bureaus in this matter. I am requesting for you all to be in compliance of the law in these matters. Feel free to reach out to the police department in this matter. Thank you.
Product: Credit reporting or other personal consumer reports

EXPERIAN has failed to fulfill legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against EXPERIAN alleging systemic issues such as failing to forward consumer provided evidence to furnisher, accepting unreliable responses and failing to adequately notify Consumers of dispute outcomes. These failures align with my experience, where EXPERIAN had neither correct or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as EXPERIAN inactions violates federal law and my rights me as Consumer.
Product: Credit card or prepaid card

I would like to dispute the transaction with XXXX, in the amount of {$1900.00}. The reason is that the item was returned but no refund been issued. I have contacted the XXXX to open a claim for package lost and the merchant has approved it on XX/XX/2021 - see documents as attached. However, the credit card company ( Discover ) has never issued the refund and denied the dispute case without providing any valid evidence- they simply mentioned the transaction was found to be valid but did not follow-up on the issues was claiming for. 

As a valued customer, I have to report this case to CFPB to protect myself as a victim to this transaction. Obviously, the XXXX was responsible to pay for the package lost but not the customer, and as the merchant has already approved the claim, the credit company has to provide the refund without any delay. On the contrary, Discover provided the fake evidence showing the charge was valid but not that did not solve the problem. I would appreciate if CFPB could step in and investigate the case on my behalf.
Product: Money transfer, virtual currency, or money service

Used cashapp. Was 3 years ago. Bit went sent moneyit was sent wrong person. Could not get cashapp refund money.
Product: Checking or savings account

Capital One sent me a check for {$840.00}, which is for a secured credit card deposit. I requested to close the credit card and I have tried to deposit the check into my Capital One checking account on XX/XX/year> using the Capital One app. However, I received an error message stating, " Something went wrong, try again. '' After attempting to deposit it again, I discovered the check had been deposited twice. 

I reported the issue and requested a fix for the duplicate deposit. On XXXX, they withdrew {$840.00} from my account as an " adjustment to correct error. '' However, on XXXX, another {$840.00} was deducted, labeled " check deposit reversal. '' I then visited a Capital One branch, where I spent about an hour and a half being transferred between multiple departments, including the fraud department. Eventually, they confirmed that the check was valid, and the branch XXXX helped me deposit it again on XXXX. She mentioned that she is afraid that their system might shut down my account automatically because the the same amount of deposit in and out again so she said she will add " nice '' comment to avoid that. 

However, on XXXX, I found that the deposit had been reversed again, noted as " check deposit at branch reversal. ''
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 u.s.c. 1681 : which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contradict the Consumer Financial Protection Act ( CFPA ), 12 USC ss5536 ( a ) ( 4 ) ( b ) as highlighted in the CFPB recent administrative proceeding file ( NO 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law, and provide consumer with the necessary proof of investigation. 
TransUnion is showing that XXXXXXXX XXXX  XXXX reporting an account that is not mine and they have showed this false account is reporting 30 days late once, 60 days late once and 90 days late XXXX times. They are also showing inquiries I did not authorize, per below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Also the below address does not belong to me, I have never lived nor do I know anyone at this address : XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th endeavor to tell you 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 items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXX30 days late in XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX asked to run my credit report for them taking over my alarm system. All of my equipment was either paid outright or I already owned it. There is currently an open loan on my TransUnion credit report for {$38.00} showing as paid but still open. When I pull my credit it shows I have 2 open loans one for my car which is valid and one for XXXX which is invalid. Ive contacted TransUnion twice and XXXX 4-5 times. Neither of them taking responsibility. TransUnion asks XXXX if the information is correct. And they respond yes it is however when I contact XXXX they state that it is not a loan and only reported as a utility company. Based on this logic if I kept this XXXX service for say 10 years I would have an open and paid loan from XXXX for 10 years. Or for as long as I kept the semi would have an open loan. 

When I pull my report it says account type is loan and loan type is utility company. I have utilities for water, phone, internet etc and not one of them has ever been on my credit report as a loan. Neither TransUnion not XXXX will make any good faith effort to remedy the situation. Rather it appears to be some automated or unknowledgeable person confirming the accuracy of the account information. Perhaps they are only reading utility company and dont recognize that it is preceded by the words loan type. I am hoping that you can force them to make the correction. Please feel free to publish my comments I dont want anyone else to go through this. I would rather go back to my old alarm company than deal with this incompetence.
Product: Credit reporting or other personal consumer reports

I claim errors on my credit report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Please immediately remove this information from my credit report. 
XXXX XXXX Account # XXXX This account has been reported with errors, this being illegal and I demand its immediate deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate reporting of late payments by XXXX  XXXX XXXX XXXX  on my credit report. Despite my attempts to dispute this issue directly with the bank, the incorrect information remains on my credit report, negatively affecting my credit score. 

The details of the issue are as follows : Inaccurate Late Payments : XXXX  XXXX XXXX XXXX  has incorrectly reported late payments on my credit card account, even though I have made all payments on time. These incorrect late payment entries are adversely impacting my credit profile. 

Disputes Not Resolved : I have attempted to resolve this issue directly with XXXX  XXXX XXXX XXXX by [ briefly describe your attempts, e.g., disputing the late payments with the credit bureaus or contacting the bank directly ], but the errors have not been corrected, and the inaccurate information remains on my credit reports with XXXX, XXXX, and TransUnion. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX XXXX XXXX corrects the inaccurate information on my credit report. I also request that the bank be held accountable for their failure to correct these inaccuracies, which have caused significant harm to my credit score. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you need further information or documentation to support my complaint.
Product: Debt collection

I received a letter XXXX XXXX, 2014 from a collection agency XX/XX/2014 to which I responded with a dispute, I did not hear anything then I received another letter for same collection from a different collection agency XXXX XXXX, 2014 to which I disputed and nothing back-
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$960.00} ; XXXX XXXX Balance : {$4200.00} ; XXXX XXXX  XXXX Balance : {$790.00} ; XXXX XXXXXXXX XXXX Balance : {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report. XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries are a act of fraud and done without my consent. On my Transunion credit report XXXX XXXX XXXX XX/XX/XXXX is a act of fraud. I have 2 inquiries from XXXX XXXX XXXX XXXX XXXX. I currently bank with this institution. Contacted them regarding these inquiries. I was told it would be looked into and removed. No results. I don't know if this is fraud or a mistake within the institution. I have no knowledge regarding these inquiries. Please remove asap. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Amount {$6700.00} Greetings, I have attached my Federal Trade Commission Identity Theft Report as proof of my claim. 

As of today, XX/XX/XXXX, your company is publishing the above referenced fraudulent account on my credit reports. Delete this fraudulent account from my credit reports in 7 days by XX/XX/year> or I will sue XXXX XXXX XXXX for defamation, willful noncompliance, negligent enablement of identity fraud, violations of the FCRA, and financial injury for the maximum amount allowed by the law. 

XXXX XXXX XXXX : Illinois Department of Financial and Professional Regulation, Federal Trade Commission, Office of the Attorney General , Department of Banking and Finance, Office of Thrift Supervision, XXXX XXXX XXXX, Advocates for Fair Credit Reporting, Consumer Financial Protection Bureau
Product: Debt collection

In XX/XX/year>, I was placed in collections for the amount of {$1000.00}, by the apartment complex where I previously resided. They are claiming that I did not provide sufficient notice and broke the lease agreement. However, I gave the required two months ' notice via email and also signed the notice as per their procedure. 

A few weeks later, I visited the office and was informed that they had not received my notice because they had changed their system and email address, of which I was not notified. Consequently, I was unaware of any issues with my notice. 

After several attempts to resolve the situation, I made a verbal agreement and exchanged emails with one of the secretaries, who confirmed that I could leave without penalty. Despite this agreement, I was still placed in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint with the CFPB regarding unauthorized inquiries on my credit report. These inquiries, which are reported on my credit report from [ name of credit bureau ], do not reflect any activity by me. 

The following inquiries have been reported on my credit report without my knowledge or consent : [ XXXX, XX/XX/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  XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ] These inquiries have caused me financial harm, as they have negatively impacted my credit score, which affects my ability to obtain credit and other financial services.

I am asking the CFPB to investigate this matter and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. I request that the unauthorized inquiries be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I disputed a item from XXXX XXXX XXXX from my credit report because this account is not authorized to collect in the state of residency, and this is not my debt. I have submitted forms from XXXX  showing this debt collector is not actively licensed in the XXXX XXXX XXXXXXXX where I reside and that I have no knowledge of this debt. I had identity theft during the pandemic and was able to clean things off that didn't belong to me from other credit bureaus including this XXXX but Experian will not proceed with removing this collection which has stopped me from several credit applications from housing to credit cards. This is illegal to attempt to collect in another state and Experian has not properly investigated to see I live in XXXX and this debt collector is in XXXX. Please remove from my credit report immediately under FCRA section XXXX which states it is illegal to report information on my credit report without my permission. Please remove from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

CitiFinancial posted a 60 days late XX/XX/2012 on my credit report. I have spoke with a representative by the name of XXXX XXXX and she stated to me that she will put in a request to have it removed due to an account error on their end. I told her that I don't have any knowledge of late payments and that I had automatic debt payment setup on my account. I informed her that there may be a processing error on my personal banking account or there transactional side. I can not remember the reason, but she said that she would correct it and send it to the credit bureau to have the 60 days deleted immediately. Please have them remove the late payments immediately.
Product: Credit card or prepaid card

On Tuesday XX/XX/2021 I called Capital one credit card to remove a late fee of {$40.00} and they refused to remove it because it happened the month before, I have 4 accounts with Capital one credit card I was never late with any of the other 3 credit cards, and I explained to them my online banking for some reason did not want send my payment for the master card, but the other 3 visa capitol one I have no problems, and I called my bank and they did not know why I asked the customer service lady to speak to the manager and it took long time to get the manger to speak to me, and the manger refused to remove the late fee, I called Capitol one credit card again today XX/XX/2021 and I offered XXXX from Capitol one credit card to pay off the Master Capital one credit card so she can remove the {$40.00} fee so I would not have in my credit report but she refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several requests for validation of debit to Transunion and XXXX XXXX XXXX. They could not provide documentation that I opened an XXXX XXXX XXXX account or owed any money to XXXX XXXX XXXX XXXX XXXX XXXX. They refused to remove the negative collections remarks from my Transunion credit profile. 
XXXX agreed in writing to remove the derogatory remarks from my profile, but Transunion didn't fulfill its obligation. Transunion didn't obtain proof that the claim made by XXXX was valid, and even with a deletion letter, they failed to remove the negative remark from my credit score. 

I demand to have this corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm teaching my XXXX year old son whom has XXXX XXXX, how to balance a check book using my online XXXX XXXX account. He knows we want to go on a mini-vacation, but money is tight because we have to move out next month. Last month, he took it upon himself to apply for a XXXX XXXX credit card in my name while I was in the bathroom & he was supposed to be practicing, so we could afford to go. The credit card application was denied. I called XXXX XXXX and they sent me a letter stating they would remove the inquiry as " in error '', but encouraged me to write the creditors. I wrote all three creditors and sent them a copy of the letter from XXXX XXXX. Experian still has not dropped the inquiry. Now, I am applying for a rental contract because my mother died and I have to move out of her house. The house had a reverse mortgage and her death puts it into foreclosure. But. Even though my XXXX score is XXXX and my XXXX score is XXXX, Experian has me at XXXX, due to this inquiry. So. Here 's the deal. I know that the CFPB has the power to run my data and help me remove this bogus inquiry. I need help and I need it yesterday because the application is going in tomorrow and this report may stop me from getting the rental for my family. Please for the Love of God Help Me. In Jesus 's Name! Amen.
Product: Checking or savings account

On XX/XX/XXXX my identity was stolen ( wallet, phone and XXXX  watch ) - the people who have stolen my identity have opened lines of credit, withdrew {$6200.00} from my bank account from a teller ( XX/XX/XXXX ), cashed checks in my name ( XXXX and XXXX on XXXX XXXX ), filing inquiries, using my ID to rent cars from XXXX and other rental companies and stealing the cars. They recently got in a car accident and provided fake identification ( which was my name and information ). I was notified from the persons insurance company who was hit in the accident. A police report is on file with detective XXXX XXXX XXXX I have still yet to be refunded by Chase bank and have little to no updates on refunds. 

XXXX XXXX Case Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 i asked equifax to provide me proof of how they validated the debts that they are reporting. they have not provided me proof i called the lady said they are not required to provide proof which is false.