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

Consumer Name : XXXX XXXX, Consumer Social Security NumberXXXX, Consumer Date of Birth : XX/XX/1971, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX .... 
XXXX .... 
XXXX XXXX XXXX .... 
XXXX XXXX XXXX .... 
XXXX XXXX .... 
XXXX  XXXX .... 
XXXX XXXXXXXX .... 
XXXX XXXXXXXX .... 
XXXX  XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX, 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: Checking or savings account

I have has money in my checking that is. Available for a payment that was taken and never refunded and now im negative and had to pay extra to keep my account from being negative where my money and why as a single mother i have to do this 3 times when i should trust wells fargo ive been a member since XXXX  and still give wells fargo a chance
Product: Credit reporting, credit repair services, or other personal consumer reports

At the urging of bank and sheriff, i put an id security alert on my 3 credit reports XXXX.That problem has solved itself, after Irma hardship , I need a loan and asked that they be lifted and taken off report, Both XXXX and XXXX did so with security questions a month ago, in 1 minutes time. Experian asked for documents in mail which i hate to send, but did .They wrote back stating not enough, called them asked for security questions, said i failed not true all correct, asked to upload license would not take, blocked me re sent all material to them in mail water bil, license very uncomfortable doing this -will not take off report : when i call they get very testy and frankly harassing .please expedite after 1 month taking off id security alert.I now have 5 hrs online time, filed 3reports and expense over and over ridiculous, I'm XXXX and loan turned down, this is listed as reason?? id security alert on Experian..They are so unpleasant to me, stating again will not accept what i send - resent - answered questions I'm positive were correct ( they have incorrect or something ) but most of all the lack of professionalism- '' You better not be recording this shouted '' please help..I believe nothing they are saying ..nothing thank you XXXX XXXX   XXXX, XX/XX/XXXX last 4- XXXX
Product: Money transfer, virtual currency, or money service

Respected Sir/Madam I transferred XXXX $ to XXXX using Western Union website on XX/XX/XXXX. The XXXX/transaction number is : - XXXX. Amount got debited from my account but amount not credited to the receiver 's account even after 11 days. I opened case # XXXX around 8 days back with them and did the daily follow up. Western Union told that their XXXX counterpart claimed that the amount was successfully deposited on XX/XX/XXXX. 
I told them that it's not true and in fact, I shared my bank statement with them on XX/XX/11 to prove that no amount was deposited to the receiver 's account. I am attaching the copy of the same, for your reference as well. 

Thereafter there is no response from them. Its been an uphill battle and I want my hard earned money back. Please help me.
Product: Credit card or prepaid card

Citi Card charges interest even when APR = 0 % on account. In my XX/XX/XXXX Statement, the balance Subject to Interest section ( the regulatory form at the end on statements ) indicates that NO amount of balance is subject to interest. 

My account was supposed to be at 0 % interest in that cycle as well as several cycles thereafter. I was still assessed interest in the XXXX cycle. Citi sent me a letter on XX/XX/XXXX indicating and confirming that my PURCHASE balance had been paid off in full. Is that not the Card Act equivalent for considering me a transactor?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Mortgage

Bank of America issued a Debt Forgiveness letter in XX/XX/XXXX.  It was effective XX/XX/XXXX.  However, they refuse to show a zero balance and we are unable to achieve there cooperation.  They claim they are "processing".  Well, the letter said nothing about processing.
Product: Debt collection

I received a call on my cell from a phony debt collector about a XXXX XXXX account that I closed back in XX/XX/XXXX. At first he wouldn't tell me who the creditor was that was attempting to collect the debt. Then he finally told me it was XXXX XXXX which is impossible because I called them and confirmed that no debt was owed or sold to a collection agency. I was also told by XXXX XXXX that a debt from XX/XX/XXXX would no longer be collectable. He had an old address of mine and tried to use it to show that they " had my information on file. '' He kept pushing me to give him my current address but I refused. 

The call was received at XXXX on my cell from phone # XXXX. When I looked up the number on XXXX there are multiple reports of this being a scam number.
Product: Checking or savings account

I just received a bank card in the mail for a new TD Bank account that I did not open. I called TD Bank and spoke with a fraud specialist that stated they would close the account on their end but recommended I filled out a report here.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ).

1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXX Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account XXXX : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

i HAVE RECENTLY PULLED MY CREDIT REPORTS AND CAME ACROSS SOME ACCOUNTS THAT DO NOT BELONG TO ME AND FRAUDULENT ON MY CREDIT REPORT. I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES NEVERLESS I HAVNT SIGNED CONTRACTS WITH THESE ACCOUNTS. IM REQUESTING THAT YOU DELETE THESE ACCOUNTS FROM MY CREDIT PROFILE AS THEY ARE HURTING MY ABILITY TO DEAL WITH EVERYDAY LIFE. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I worked to resolve this debt and wasnt advised of measures how to resolve. According to the law this is illegal
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : 1. Account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

my lender had pull my credit i had notice i had some items they didnt belong to me it end up being mix credit issues so this one company i end up fight for month and try to dispute it. ill even provide information from credit report proving that it didnt belong to me. they told me they not providing any letters, to help me take it off my credit. they very rude, and hang up in my face. ill even try a another way to settle the debt. they told me no. im at all my all with this company kimball tirey & st j
Product: Credit reporting or other personal consumer reports

My information was purchased on the dark web by this company XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX DELAWARE XXXX. Because of this reason these fraudulent accounts are appearing on my consumer FICO credit report which I do not recognize as reported & which are the result of Identity Theft & Fraud.The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX on XX/XX/year> I have sent in Letter after letter after letter and these items are still reporting.
Product: Money transfer, virtual currency, or money service

Sent a wire transfer on XX/XX/2023 for {$4800.00}. 
Cancelled the transfer on XX/XX/2023 thru BOA Customer Service that afternoon. 
Was told that the transaction was cancelled and there would be a {$25.00} service fee charged back to my account. To me this was a confirmation that the transaction was cancelled as requested. 
Called on XX/XX/2023 and was told it would take a few days for the money to be returned. 
Called on XX/XX/2023 and was told it take 4 to 5 days for the money settle. 
Called on XX/XX/2023 and was told that there is no time frame. 
Called on XXXX and was given the XXXX XXXX  phone # and was told to call them Called XXXX and they could not give me any information. 
Called back on XX/XX/2023 and was told that the case was being escalated. 
Called back on XX/XX/2023 and was told that my initial call to customer service was not correct. The initial associate should have told me that nothing was guaranteed. This was told to me by Supervisor XXXX, she told me the Compliance Department would call me by XXXX that day. No one called. 
Called back on XX/XX/2023 and requested that Compliance call me. 
As of today, no results.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA, XXXX ( XXXX ) XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Credit Report Entry Chase Auto Finance I am writing to formally dispute an inaccurate entry on my credit report related to Chase Auto Finance. This negative mark is unjustified, and I am requesting its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ). 
Disputed Account : Creditor : Chase Auto Finance Account Number : XXXX Disputed Amount : {$1600.00} Reason for Dispute : Wrongful charge for windshield replacement Details of the Dispute : As per Chase Auto Finances recommendation, I scheduled an inspection at my home a few weeks before my vehicles lease return date. During this inspection, the inspector noted a chip in the windshield and informed me that a replacement was required. In compliance, I replaced the windshield the day before returning the car to the dealership. 
However, Chase breached their own policy by failing to conduct a second inspection upon the vehicles return. Despite my providing Chase with documentationincluding the repair receipt, proof of paymentChase still wrongfully charged me for the windshield replacement. I immediately disputed the charge with Chase, yet after months of repeated follow-ups ( since XXXX ), I have received no resolution. 
As a result of this wrongful charge, my credit report has been negatively impacted, causing financial harm. Since this entry is inaccurate and unjustified, I formally request that it be removed from my credit report. 
Under the FCRA, credit bureaus must investigate disputed items within 30 days and remove any unverifiable or inaccurate information. Please conduct an investigation and update my credit file accordingly. 
I appreciate your prompt attention to this matter and expect written confirmation of the resolution. If further information is required, please contact me at [ XXXX ] or XXXX. 
Sincerely, XXXX
Product: Debt collection

I have paid this debt 2-3 times. each time they tell me the report will be processed later in the day and it never is. a new collection account was on my credit report I was not familiar with I asked a question about this I was threatened to pay today or be imprisoned and sued. when I asked her if I could receive a bill she said only if I made the payment. I tried to ask a question and she proceeded to give me legal advice and advised paying the debt in order to avoid legal action and potential imprisonment. 

I have never been sent a bill on this amount or called. I was trying to get information and was threatened. 

as well as a smaller amount I have made several attempts to pay is still on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry listed on my credit report. I have no record or recollection of authorizing this inquiry, and I believe it to be inaccurate and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 4 time 30 days late in XXXX and XXXX. There was an error on their part. I was never 30 days late during those years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian need to remove unauthorized inquiries
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX  back in XX/XX/2023 ( I had a XXXX ), an was in the XXXX for 2 months. I asked for help and submitted a GOODWILL Letter to the company. I need a little help with the late payment I received while being in the XXXX
Product: Student loan

I tried submitting extra payments to my account and was unable to get them properly applied to the loan that I specified. Navient equally split the extra payment across my three loans as opposed to applying the amount to the account with the highest interest that I was trying to pay off first. The staff at Navient was extremely unhelpful in getting this corrected. 

After a while, I finally got sick of Navient and decided to refinance. Based on the billing cycle, I ended up overpaying my loan. Getting Navient to refund the overpayment was difficult and took well over a month. This was extremely frustrating. The people I spoke to said that it just takes that long and that there is n't anything we can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current address is XXXX XXXX XXXX XXXX XXXX XXXX  all the other address that is showing on my credit report is Fraudulent and need to be removed with all the accounts that are reporting them
Product: Debt collection

The original Debt came from XXXX XXXX XXXX. The debt was an error or their part and was not a valid debt. I contacted XXXX regarding this in XXXX of XXXX, they then contacted Professional Finance, which is the collection agency to advise this was not a valid debt, and requested it be revoked and removed form my credit report due to their error- this was not done by Profession finance. 
I pulled an annual credit report in XXXX of XXXX to discover this debt is still showing from this creditor and collection agency as an open account. So not only is it still showing as an open account, it is still showing on my credit report, which it should not be at all. 
I then contacted XXXX again in XXXX XXXX, they in turn contacted Professional Finance and spoke to XXXX on XXXX/XXXX/XXXX. XXXX advised that she would contact the credit bureaus and have this debt removed. As of today XXXX this debt still shows as an open account on my credit report. Professional Finance has failed to take the appropriate measures to remove this negative information from my credit report after several attempts and requests to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, 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 TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX - XX/XX/XXXX Incorrect Name- XXXX XXXX- Please remove immediately. 
Incorrect XXXX - XXXX XXXX- Please remove immediately. 
Incorrect DOB - XXXX - Please remove immediately. 
Incorrect Address - XXXX XXXX XXXX, XXXX, MA, XXXX - Please remove immediately. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX - Please remove immediately. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX - Please remove immediately.
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.XX/XX/XXXXAccounts- XX/XX/XXXX XX/XX/XXXX( Acc. # XXXX ),XX/XX/XXXXXXXX XXXX XXXX # XXXX ), XXXX 's XXXX XXXX Acc. # XXXX ), XXXX XXXX ( Acc. 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 Session 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

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 the information is inaccurate.