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

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i received XXXX credit alerts that my credit was pulled by XXXX institutions. 

XXXX XXXX XXXX XXXXXXXX I did not authorize these credit pull to my credit report and requested that they be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB! Can you please forward the folllowing documentation to Citi Bank and Best buy. Thank you!
Product: Credit reporting or other personal consumer reports

Description of What Happened : USAA is not following US consumer laws. There are several companies reporting negative items on my credit report past 7 years. This is against the law, a violation of the Fair Credit Reporting Act ( FCRA ), and these items should be removed immediately. 

In addition, I was a victim of multiple data breaches by two Fortune 500 companies, XXXX and XXXX XXXX. I was informed by both companies that my information was affected by these breaches. As a result, multiple accounts were fraudulently opened in my name with various companies, and these debts were never paid. 

I have taken the following actions : Filed an identity theft report affidavit with the Federal Trade Commission ( FTC ). 
Contacted XXXX to dispute the outdated negative items and fraudulent accounts, but no action has been taken to correct my credit report. 
I encourage the CFPB to investigate these violations and hold XXXX accountable. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX ( Opened : XXXX. XXXX, XXXX, XXXX XXXX : {$25000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent my FTC report. Along with my license to Experian, XXXX, and XXXX. I have fraudulent accounts reporting in my consumer report. I will be filing a civil lawsuit. These accounts are fraudulent and I followed the process to notify the above reporting agencies about the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im requesting your help to resolve this issue. I received a modification mortgage from Ocwen Mortgage company, XXXX of 2013. Before the modification my mortgage loan was from XXXX XXXX. I have been paying my mortgage on time since the modification. I am in the process of refinancing my car and was told by my bank, XXXX residential is still reporting to XXXX credit company. It looks like I have two loans on the same property. I have mailed them a copy of my credit report and still nothing has happened. I spoke to Ocwen and they see the reporting but always says they will investigate, but still no correction. I have only XXXX loan on this property. They instructed me to upload docuentation showing the credit issue. Everytime I try to upload the information. I always get " error page not found '' notification.
Product: Credit card or prepaid card

I do not agree with Citi Card 's merchant favor dispute decision and am filing a complaint. I would like Citi 's decision reversed and credit {$300.00} back to my card. 

I purchased {$300.00} XXXX card from XXXX 's website for my mother-in-law 's birthday on XX/XX/XXXX. However, after receiving the XXXX card through email, I noticed the gift card was not valid to use on Friday, Saturday, or any holidays. So, on the same afternoon that I purchased the gift card, I tried to cancel this transaction immediately by calling XXXX restaurant ( the number on the website where I purchased the gift card ), however, they informed me that they don't handle online XXXX purchases. This is done through a third company. The restaurant manager stated they have no way of communicating with them. She suggested I cancel the transaction or dispute charge with Citi Card. I followed her advice and started the dispute with Citi. I provided them with all information and documentation, and on XX/XX/XXXX, they resolved and closed this case in favor of the merchant. I have no idea why Citi sided with the merchant. I did not use the gift card, and there was no way of contacting the gift card issuer or returning the gift card. The virtual gift cards were emailed to me, and the sender 's email address is XXXX. These noreply email addresses are not monitored, and it's useless to reply back. 

I would greatly appreciate CFPB 's help in getting {$300.00} credit back to my Citi card.
Product: Credit card or prepaid card

CapitalOne closed my account while saying it was restricted and continuing to take payments over {$300.00}. I spoke to customer service to let them know payments from my old checking account no longer worked and made new payments from a different checking account. They thanked me for letting them know and took the payment all the while saying the account was restricted not closed but having actually closed the account. Their app still shows the card as restricted not closed and they claim to have sent correspondence that was never received and claim they had every right to take payments while misconstruing the accounts status.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX XXXX XXXX  Account # XXXX 15 USC 1681 Section States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It states a consumer furnish an account without written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose.
Product: Debt collection

Experian keeps attaching another persons collection accounts to my name address social security number. This happened in XXXX XXXX and now in XXXX. The collection agency reporting to Experian does not have any information on me. Not my name address or social security number. Experian is claiming again that they are getting the collection information from the creditor and that the collection attached to my social security number is coming from the creditor and or its somehow itsgetting mixing up or transposed my information. 
I would understand transposing a number once but for it to happen 3 times means there is a glitch or data problem at Experian. When I call The collection agency/creditor they have NO information on me and the account number I give them from my Experian file contains another persons name address and information and so there is no recourse for me with the collection agency on Experian. My only options with Experian is to file a dispute and wait out the process XXXX days while my credit rating falls XXXX points during the dispute process. My issue is with EXPERIAN because they are the ones continuing to attach this persons collection accounts to my file over and over and there is no accountability because they claim to be only a data information system entering the information from the creditor as they receive it which in my case IS NOT TRUE. WHO is Experian and their flawed data entry software system accountable to?
Product: Bank account or service

I opened a Citigold account with Citibank in XXXX XXXX under a promotion ( XXXX ) for XXXX XXXX miles once I made two electronic bill payments within 2 months of account opening and {$1000.00} of debit card purchases. I opened the account under this promotion and verified ( in writing ) with a citigold representative that I was eligible and enrolled in this promotion. I completed the requirements XX/XX/XXXX ( verified it in writing with a citigold representative ) and told that my XXXX miles would post by XX/XX/XXXX. After not posting in the promised timeframe, I reached out to Citigold in XX/XX/XXXX and was told that it would be investigated. Despite weekly inquiries from me, I have not been contacted once with an update or a resolution. In fact, there is no evidence that any progress is being made. I continue to inquire weekly and get the same response that the department that handles promotional award is busy and will get to my concern when they have time. I feel as though they are stalling because I have little recourse and they can keep charging me account maintenance fees of {$30.00} per month while I wait for a resolution. One agent did tell me that I might not get the promised miles because I was not targeted for he promotion. I do n't know if this is accurate but even if this is true, I was allowed to open an account under this promotion, verified with the citigold representative that I was eligible, and then verified with a citigold representative that I had met all requirements in XX/XX/XXXX. How was I supposed to know that I could only apply if I had been targeted? I signed up for the offer and was told by Citi 's agent that I was eligible. I am asking the CFPB for assistance because Citi is refusing ( or stalling ) to honor their promotion.
Product: Credit reporting or other personal consumer reports

IVE BEEN DISPUTING THESE XXXX XXXX XXXX AND XXXX ACCOUNT FOR XXXX YEARS SINCE 2022. EXPERIAN, EQUIFAX, AND TRANSUNION HAS FAILED TO SUCCESSFULLY INVESTIGATE THESE ACCOUNTS. WE KNOW THE CFPB HAS BEEN INVESTIGATING EXPERIAN AND EQUIFAX ANS HAS FILED LAWSUITS. HOPEFULLY THIS ADMINISTRATION WILL HOLD EQUIFAX, EXPERIAN, TRANSUNION, CFPB, AND FTC ACCOUNTABLE. THESE ACCOUNTS SHOULD NOT SHOW LATE PAYMENTS ON MY CREDIT FILE. XXXX HAS REMOVED ALL LATE PAYMENTS ASSOCIATED WITH THESE XXXX ACCOUNTS. EXPERIAN, EQUIFAX, AND TRANSUNION NEEDS TO MAKE SURE ALL MY REPORTS ARE THE SAME AND ACCURATE ACROSS ALL CREDIT FILES. WHICH WE KNOW THEYVE FAILED TO DO SO. PLEASE SEE ATTACHED DOCUMENTS DRIVERS LICENSE, BANK STATEMENT, SOCIAL SECURITY CARD, FTC REPORT, AND XXXX DISPUTE LETTERS. IT SHOULD NOT TAKE ME XXXX  YEARS TO REMOVE THESE NEGATIVE ITEMS THAT ARE IDENTITY THEFT BECAUSE ITS INCORRECT INFORMATION THATS NOT ASSOCIATED TO ME. 
REMOVE ALL INQUIRIES THAT I DID NOT AUTHORIZE AS LISTED IN DISPUTE LETTERS AND ON FTC REPORT WHICH LIMITED ME TO REPORTING ONLY XXXX. PLEASE ADHERE To THE LAWS CONGRESS HAS PUT IN PLACE THE FAIR CREDIT REPORTING ACT.
Product: Student loan

I took out XXXX signature student loans through XXXX in 2006. I have been in school since pursuing a XXXX and will be finished next year. The loans were originally for XXXX total. They are now at almost XXXX due to interest. They are held through Navient. Navient is stating that my deferment period is up and I am in repayment. I told them that I cant pay, as I am in school still. They said I can join a forbearance program put I will have to pay them to join it. I do not have the money to do so. They are offering no other programs. Im stuck and need help.
Product: Checking or savings account

On XX/XX/XXXX, I received a push notification from Chase, regarding a check they had identified as fraud in the amount of {$8000.00}. I immediately responded letting them know the item was fraud, basically confirming what their system had already identified. 

Chase paid this check, even though the payee and make signatures were an obvious mis match, and even after their internal system had clearly identified the check as fraudulent. 

I did make a claim to recover these funds, but the representative told me that if Chase doesn't recover the funds from the bank that cashed the check, Chase won't return the {$8.00}, XXXX back to my account. Nonsensical, because Chase FUNDED the check when it was FRAUDULENT. 

Unacceptable, as I am a long-time customer and my children also have accounts. This is not how any customer should be treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out many attempts to resolve the situation with Transunion. I have accounts on my report that doesnt belong to me and per the FCRA they are to be removed immediately.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I got a title loan approved from Title Max of {$2500.00}. My vehicle is an XXXX XXXX XXXX with a mileage of about XXXX. I was making the payments and fell behind but only twice for repossession and I paid the payment down to avoid it. The second one came in XXXX before XXXX. My car was picked up on the XX/XX/XXXX for being 71 days behind which is {$910.00}. Anytime it got over {$1000.00} Id make a payment or even tried to keep it under {$800.00}. My friend got a title loan on his car, XXXX prior to me getting one. The difference is, He had a XXXX XXXX XXXX with around XXXX miles and they gave him {$1200.00}. He missed all payments except his first one or two. His vehicle sat outside of our home for at least XXXX months with no payment. He eventually sold it for junk. Title Max NEVER picked up his car for being months behind, all they did was kept calling. So I figured, yes Im behind but was making payments each month at least 2x a month, so I felt like hey, i just fell behind the week before they picked it up so they arent in a rush to come get it. My concern is they Title Max is using discriminatory practices as to which vehicles would have more value to them to repossess and gain profit and those are the ones they rush to pick up and leave those with less value to them. My truck was older with more miles than my friend vehicle and yet, his car never got repossessed and mine did even with me making the payments. They gave me XXXX days to get my car back as of right now all I have to do is pay the amount Im behind on {$910.00}, and I can get it back and keep making payments. Well, if the vehicle could still be mine, why did they break into it, remove my tag, take items out etc? If youre house was up for eviction and they gave you XXXX to make a payment or move, are they going to come in your house and put all of your things out before those XXXX days? Right, makes no sense. Title Max of XXXX, Tennessee XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX the following companies ran my credit without my knowledge or consent. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like for the inquiries to be removed from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was defective. Shortly after purchase the transmission blew out. I returned the vehicle where it was purchased and it has since been sold at auction and sold for more than the debt owed. This account needs to report a {$0.00} balance. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # 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
Product: Debt collection

This debtor continues to make up to XXXX phone calls a day at work and to my " emergency contacts '' to collect a debt that payments continue to be made on. They will call up to every two hours to work continuing to harass not only myself but my place of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, Equifax sent my credit report ( Confirmation No. XXXX ), confirming that two inquiries from XXXX XXXX XXXX XXXX and XXXX, have been deleted. Copies of credit reports have been uploaded. 

I have sent several letters, but, have not received any response, and the two inquiries are still reporting on my credit report, which do not belong to me.
Product: Payday loan, title loan, or personal loan

Some combination of the entities known as XXXX, Check n Go,  and XXXX XXXX XXXX  issued a loan in my name and XXXX began sending bills to my email. I had not applied for the loan, and received no notification of it until the bills began arriving. When I tried to figure out what had happened, I could not reach XXXX at the telephone number provided, only " Check n Go. 'XXXX After hours on the phone with multiple departments, no one at Check n Go ( which has an unclear relation with XXXX and XXXX XXXX XXXX  ) could tell me the loan number or the amount. I was eventually told that it was a payday loan made in XXXX and neither the date of birth nor the social security number matched mine. Still, since I could only take their word for it and had received more than one bill in my name and to my email, I submitted a fraud report. The following week I received a call back from a man who identified himself as a supervisor with XXXX but did not seem to have the information in the fraud report. After I explained, he said he would remove my email but refused to provide any confirmation beyond his word, or any other proof that this error would be rectified, and then hung up on me. I subsequently received an email saying my email had been removed from their system. I am submitting this description because I want to inform others who may have the same time-consuming problem due to lack of basic verification by these dubious companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my credit report that I did not authorize. 

DT CREDIT Auto Financing Companies Inquiry date : XX/XX/2019 XX/XX/2019
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau CFPB, the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142b4 5 1002.142b7. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : 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 XXXX XXXX XXXX XXXXXXXX. XXXX XXXX Please remove these items from my credit report within four business days per the 605C of the Fair Credit Reporting Act Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request the removal of several hard inquiries from my credit report that I do not recognize or authorize. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair credit reporting. Given that these inquiries were neither approved nor consented to by me, I am disputing their legitimacy and requesting immediate action for removal. 

Unauthorized Hard Inquiries : Bank XXXX XXXX - XX/XX/XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Removal Request : According to the FCRA, only authorized and accurate XXXX should be reported on an individual 's credit report. Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency XXXX only furnish a consumer report if it has a permissible purpose, which includes instances where the consumer has authorized the inquiry or initiated a transaction. In this case, I have neither authorized these inquiries nor initiated any transactions with the entities listed above. 

Additionally, FCRA 609 ( a ) ( 1 ) entitles me to know the purpose and parties involved in any credit-related transactions or inquiries. Since I did not consent to these inquiries, they violate my rights under this statute. Case law, such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), establishes that credit reporting agencies are responsible for maintaining the accuracy of consumer reports and must take prompt action to investigate and correct inaccuracies once notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a number of inquiries on my credit report from companies I have no knowledge of. I have reached out to the creditors as well as the credit bureau in regards to removing the unauthorized inquiries and I have received no help in resolving the issue. I have a complete list of the inquires that I do not recognize or believe to be mine.