23daVinci/CFPB_Complaints huggingface dataset:
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 Experian 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 an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX with balance of {$130.00} that appears to be related to the aforementioned account at XXXX XXXX XXXX. These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts or collections. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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

When I first joined XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX they told me I had to pay out of pocket because I didn't have my passport to verify that I was a US citizen around that time the US stated that they were backed up with passport applications so it would take longer than normal to get back my passport I put the application in XX/XX/XXXX. I received my passport XX/XX/XXXX. A full year of payments and my school reassured me when I got my passport to verify my status in the United States that I wouldn't have to pay but the payments are becoming more and more I reached out to my school and they told me to email some people in the loan agencies to fix this and it's still not fixed. it says I owe in total {$17000.00}. Moreover, I have been harassed DAILY with emails and phone calls about this and that they/re threatening to close my account based on something that is their fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian about 3 times asking them to update my collections account I have on my report from XXXX XXXX. I have paid this account and it is closed. On my credit report it still shows as a open account. I called XXXX  XXXX and they informed me they have already told Experian this account is closed.
Product: Payday loan, title loan, or personal loan

This company I took at XXXX loan with and I have paid them back XXXX starting in XXXX. 
They said I had a payment that did not go thru and I requested the information with no response from them and then they reported 30days late dinging my credit. I also already res submitted. This is not even an installment loan this is loan shark loan. 

I asked them for statement and they did not respond nor have they ever sent me a statement. 
and pay off and they never responded to that either. 

The biggest joke of all is that I tried looking up and on my credit report are reporting that I owe them XXXX after paying XXXX on XXXX loan. 
This complaint is going to CA DOJ  as well and this predatory loan I am XXXX they are just stealing money and ruining credit. 

I have filed complaint /dispute with XXXX as well. I belive this is XXXX going by a different name
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Product: Money transfer, virtual currency, or money service

I am filling a complaints against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA. ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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. 

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 XXXXXXXX has violated my rights.

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: Checking or savings account

Citibank sent a automatic quarterly payment of {$1400.00} to my homeowners association. The check was cashed by a fraudulent third party. Citi paid someone not my homeowners association. I had to send another check to make good on my debt. I have asked citi to put the money back in my account since it was their error to pay a fraudulent third party with my money. they have responded by telling me they have to investigate. They have sent multiple documents to fill out. This is now going on 7 weeks that I am out {$1400.00} with no end in sight for their error.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 there was a letter sent to Equifax asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
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.

XXXX  Account # 0
1 XXXX XXXX XXXX, has violated my rights.

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 reporting or other personal consumer reports

I have one XXXX XXXX account. XXXX  is reporting this account to Equifax twice as XXXX different tradeline, XXXX different balance, XXXX different minimum monthly payment, with XXXX different credit utilization that has caused my score to drop significantly while I'm trying to obtain mortgage. 

I reached out to Equifax they said it is an error on the part of the creditor ( XXXX XXXX ) reached out to XXXX XXXX they said they refused to delete the item with effecting bureaus. 
XXXX XXXX  said they need XXXX days to rectify the issue however I'm under contract for a house purchase and unfortunately, I do not have XXXX days Credit score drop may result in mortgage denial or higher interest rates. 
I am a helpless consumer victimized by creditor and credit bureaus. seeking help from regulatory authority
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for..

Understand that by this law, Transunion is included because you provide this consumer report and you are a consumer reporting agency! Under 15 USC 1681 ( 2 ), it also mentions exclusions pertaining to consumer reporting. I am quoting directly from congress so understand that your reporting is a federal violation based on laws put in place by congress.

15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer.
Product: Credit reporting or other personal consumer reports

XXXX and Transunion keeps coming back verified within 24 hours and not sending information on what steps or information they have obtained to verify information as accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

These Companies pulled my credit file fraudulently and cause false Inquiries on my credit report account. I have contacted these Individual companies personally and ask them to contact the reporting agency and remove the Inquiries. XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax, XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my father XXXX XXXX XXXX opened an acct. with XXXX XXXX for a loan of {$7400.00}. My father passed away on XX/XX/XXXX. I was contacted by XXXX XXXX XXXX in XX/XX/XXXX via being served to appear in court for this debt. I contacted XXXX XXXX and XXXX XXXX   stating this was not my card and they told me my credit was used to obtain the card which i find hard to believe because my credit score has  been below 550 for several years. My info is : XXXX XXXX XXXX XXXX / XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Ph # 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

I have been filing complaints left and right with Pentagon Federal Credit Union about an unauthorized inquiry on my report. They stated they made an inquiry back in XX/XX/XXXX. And have not made any other inquiries since. Well i mentioned to them about an inquiry that was done on XX/XX/XXXX and they are claiming it's bogus and in other words I'm making it up. I sent them proof before and they still are requesting more proof. ITS A STALL TACTIC!!! ITS FRAUD!!! But now worries I Have Spoken With An Attorney and i will be bringing a lawsuit against Pentagon Federal. When inquires are made on your report that you didn't authorize it drops your credit score. But of course you knew that though.
Product: Credit card

On XX/XX/XXXX I made a purchase at XXXX XXXX XXXX for a total of {$1300.00}. I signed up for their XXXX XXXX through Comenity Capital Bank, which had a promotional offer. The cashier charged the XXXX {$1000.00}, but forgot to include the discount from the promotional offer so he cancelled the transaction. He Then attempted to charge the XXXX again for {$1000.00}, but the card was declined due to being over the temporary limit as the previous charge had gone through, even though he cancelled the transaction. On the third attempt, the cashier had me pay with my debit card first. With the discount, the total came down to {$1300.00}. The cashier had me pay {$300.00} with the debit card. The remaining balance of {$990.00} was charged to the XXXX which was declined due to fraud because of how quickly they attempted to run three charges. I paid the reminder with that same debit card. When I received the first statement, I called Comenity to dispute the charge. They asked that I speak with XXXX XXXX to try to settle the matter. I spoke with them on XX/XX/XXXX and they provided receipts showing the 2 cancelled transactions and the 1 successful transaction. I e-mailed this via Comenity 's contact information online as I was unable to create an account during the dispute. I received a letter stating I needed to provide proof in XXXX, which I had already sent. I received a letter in XXXX saying that my complaint was closed. I received a statement in XXXX, where I was told I could send the proof via secure message online or send a letter with all my information to them. I sent a secure message on XX/XX/XXXX with proof. On XX/XX/XXXX, they stated they were looking into the matter. I hadn't received any information by XXXX, so I e-mailed them via secure message on XX/XX/XXXX. On XX/XX/XXXX, they responded that I should call them to speak with their customer care team. The customer care team was an automated payment service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX  I noticed that payments that I had previously made to my truist account were not allocated as I intended. The payments were supposed to be toward principal only and were not. I spoke to customer service who stated that they could retroactively reallocate my payments to make them principal only as I intended. This process took about a week for the company to complete. As a result of this process it appeared as though I had late payments even though I did not. There was a lump sum due after all the corrections were made which i paid immediatly. I received a call from truist collections department at least once per day during the week these changes were being made telling me I was delinquent. Every day I explained the situation to a different person in the collections department who ensured me I would stop receiving calls, only to get another call the next day. I was concerned that these alleged late payments were going to be falsely reported to on my credit report which I was reassured that they would not be. In XXXX I started looking for a house to rent due to an upcoming move to a different state in XXXX for work. I checked my credit score to fill out a rental application and noted that my credit score was over XXXX points lower than I expected and had multiple late payments reported by truist. I called customer service at truist who reported to me that they show no late payments in their system. I have filed disputes with truist and the credit bureau and was told my disputes would take 30 days to resolve. This false reporting has severely damaged my credit and has put me in a position where I may not be able to obtain housing as a result. I don't have 30 days to wait for this error to be corrected. Truist has been unable or unwilling to do anything to assist me in getting their error corrected in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported account information inaccurately and upon requesting to re-investigate with proof of my claims that XXXX is reporting with ( 2 ) 30 days past due, Equifax ( 1 ) 30 days past due and XXXX XXXX ( 1 ) 30 past due. I mailed the CEO of XXXX XXXX a letter outlining my concerns that caused adverse credit decisions due to the defamation of character, accounting & credit reporting errors. XXXX of 2022 I filed a lawsuit in XXXX XXXX XXXX for {$1000.00} in damages. The attorney for XXXX XXXX advised their investigation reinforced their initial determination that nothing was reported inaccurately. My initial request for a goodwill adjustment lead XXXX XXXX to respond via email, but in their response provided my account information and that of another customer in an email chain. After advising them of their continued documented errors, I received no response. I would like for this account to be removed due to irrevocable financial damages and defamation of character. Self Lenders attorney, XXXX XXXX of law firm XXXX XXXX, XXXX TX advised they are not able to remove information deemed accurate, but negative. I advised the information isnt accurate and the request to reinvestigate would have yielded the exact proof I provided, that there are errors on my credit report.
Product: Payday loan

I applied for and was granted a payday loan from Castle Payday, which is an affiliate of the XXXX XXXX XXXX entity. At no time was it explained to me that the {$1000.00} loan was going to cost me {$7600.00}. Castle payday has been auto-deducting an average payment of {$250.00}, XXXX a month from my checking account since XXXX XXXX, for a total of {$1600.00}. The only way I can get them to stop pulling money out is to pay the loan off in full. My contention is that I have repaid the debt in full at this point plus {$620.00} and to pay an additional {$1200.00} to consider it paid in full, or to continue installments until full maturity of the note is reached ( a total of {$7300.00} ), in my opinion, fraudulent.
Product: Student loan

My name is XXXX XXXX XXXX, XXXX And I am submitting a complaint against student federal aide and the university I went to was shut down before I finished my XXXX degree and I also tried to not take out the loan and they processed it as well.
Product: Credit reporting or other personal consumer reports

First Advantage Background Services Corp sent me a copy of my background check recently with concerning information. I just started a new job a for XXXX months and they had conducted a background check. I'm afraid this error is going to effect my employment. I used to live in XXXX XXXX XXXX in XXXX XXXX, XXXX. But I had moved out of there for several years now. I had never been searched in any way that im aware of. Here are the information on that letter : Consumer Name : XXXX XXXX ( XXXX ) Client Name : XXXX XXXX XXXX Client Account Number : XXXX Record Source : XXXX XXXX XXXX XXXX XXXX Type of Search : XXXX  Index Search Include XXXX  Search Type : XXXX  Index Search Include XXXX  Date of Search : XX/XX/year> Given Name Searched : XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a formal complaint regarding my recent experience at your branch onI visited the branch XXXX XXXX XXXX XXXX XXXX XX/XX/2024 the intention of applying for a no-documentation business loan, as per my scheduled appointment with XXXX at XXXX XXXX. 

Upon arrival, XXXX thought that I needed to open a business account, which was contrary to my original intent. Despite my explanation of seeking a no-doc loan, he proceeded to initiate an application and requested my social security number. Feeling uncomfortable, I questioned the necessity of providing this sensitive information for a no-doc loan application. 

To my surprise, XXXX insisted on obtaining my social security number, citing the need to start a business line of credit. It became evident that he was steering me towards applying for line of credit instead of the initial product I sought. Throughout the process, I felt misled and uninformed about the options available to me. 

Furthermore, I expressed concern when XXXX retained a physical copy of my social security number. Despite my request to shred the document for security purposes, my request was not honored. 

My primary grievance lies in the mishandling of my personal information and the misleading tactics employed to push me towards a different product than originally intended. I believe that my trust as a consumer was violated, and I urge PNC to investigate this matter promptly. 

I appreciate your attention to this matter and request a thorough review of the incident. Additionally, I seek assurance that my personal information has been handled securely and in accordance with relevant privacy regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt to get this rectified In accordance with the Fair Credit Reporting Act Section 609, Section 611 and Section 604, I am requesting that you DELETE the following INQUIRIES as I DID NOT authorize them : INQUIRY XXXX XX/XX/2018 INQUIRY XXXX XX/XX/2018 INQUIRY XXXX XXXX XX/XX/2018 INQUIRY XXXX  XX/XX/2018 INQUIRY XXXX  XXXX XX/XX/2018 INQUIRY XXXX XXXX  XX/XX/2018 INQUIRY XXXX XXXX XX/XX/2018 INQUIRY XXXX XXXX  XX/XX/2018 INQUIRY XXXX XXXX XX/XX/2018 INQUIRY XXXX XXXX XX/XX/2018 INQUIRY XXXX XXXX XX/XX/2018 INQUIRY XXXX XXXX   XX/XX/2018 INQUIRY XXXX XXXX XX/XX/2018 Furthermore, In accordance with the FCRA, I request A detailed explanation on how you conducted your investigation, the names and addresses of the businesses you received your information from in relation to the investigation. I request all of this information within 30 days. Also, I would like a corrected copy of my credit report! 
Sincerely,