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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX BANK XXXX Balance : {$10000.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7200.00} ; XXXX XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$490.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance XXXX {$8900.00} ; PXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX N.A. ) XXXX Balance : {$4700.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX  XXXX N.A. ) XXXX Balance : {$6500.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I sent money to the XXXX thru Western Union money transfer, but they did not only cancelled my transactions, they are holding my money for 23 days now. 

Last XX/XX/2022, I have sent a debit card to checking account transaction to the XXXX amounting to {$1500.00} dollars and the transaction was completed ( MTCN XXXX ). 

Few days after, on XX/XX/XXXX, I sent again {$1300.00} to the same Philippine checking account but this time, I used my checking account ( MTCN XXXX ). Three days after, I received an email saying that the money transfer was not successful because, according to Western Union the bank in the XXXX did not accept my transfer. I was told to wait for 7 days for the refund. Because of this, my payment was delayed and incurred penalties amounting to XXXX XXXX. 

After I received the refund, I immediately sent the money amounting {$1300.00} to the same account, this time, through debit card to checking account transaction ( MTCN XXXX ). The transaction was confirmed on the same day and was scheduled to be received by the bank on the XXXX. I checked the online app and tracked my transfer and it was reflected as COMPLETED, so I released a check believing that the account was already funded. 

On XX/XX/XXXX at XXXX AM, Western Union sent me an email telling me that the latest transaction was again and I need to wait for 7 days for my money to be refunded back to my account. 

I may now be facing legal actions in the XXXX because of Western Unions irregularities, and while I am suffering, my money is with Western Union for more or less 23days ( Transaction to notification of refund : from XX/XX/XXXX to XX/XX/XXXX ; waiting time for refund : XX/XX/XXXX to XX/XX/XXXX ; New transaction to notification of refund : XX/XX/XXXX to XX/XX/XXXX; and then waiting time for refund : XX/XX/XXXX to present, XX/XX/XXXX ).
Product: Vehicle loan or lease

National Auto Lenders is reporting an inaccurate repossession on my credit reports that I am not familiar with. I sent them a letter requesting validation of this debt and sufficient documentation on how they figured this account belonged to me and have not received any type of communication back. I am requesting that documents are provided for this debt and that this account is removed from my reports.
Product: Credit reporting or other personal consumer reports

I am writing once again to express my confusion regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you know, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

As a credit bureau, you are legally required to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. I request that you promptly eliminate these accounts from my credit report, aligning with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. 

XXXX XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX  XXXX.
Product: Credit reporting

on XX/XX/XXXX I checked my credit report and all my inquiries were deleted. I logged in today an all of the inquires are back amd my score went down
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Rash Curtis & Associate and thier attempt to collect a medical debt. In the first place I told them the debt wasn't mine, as well as the major XXXX bureaus. I asked for signed copies of my XXXX release which nobody provided. They kept saying that it was verified and I kept writing letters. I contacted the company directly by mail and they sent me an updated bill of medical services that I've never been seen for, with an address that I never lived at from the state of AZ. I've dealt with having my identity stolen before and this feels like a remnant of the same thing.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit that I didnt initiate. I contacted the companies to no avail. I contacted TransUnion, XXXX and XXXX again to no avail.
Product: Credit reporting or other personal consumer reports

Ive disputed this multiple times, with credit bureaus. The balances on XXXX and Experian are different. Also, the charge off amount fluctuates monthly to different amounts which makes my credit score lower each month this happens. XXXX XXXX XXXX  restricts adding to the balance of the charge off account which is grounds to sue XXXX XXXX XXXX for violating state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing incorrect information on my credit report destroyed my credit. 

I have four charged-off accounts that are reporting incorrect information and have been for years, and on the recommendation of my FHA lender XXXX I disputed the accounts with all three credit bureaus. I thought that the worst thing that could happen was that they wouldn't remove the incorrect reports, but, apparently, it can be a lot worse. 

These accounts were originally charged off in XXXX. After my disputes were investigated, the credit bureaus decided that the information was correct ( which I still don't understand, because it's definitely not ). Because the disputes were closed in XXXX of this year, the date of my charge-offs is now showing as XX/XX/XXXX instead of the correct information of XX/XX/XXXX. 

Because of this, my credit scores plummeted. While my XXXX score evened out relatively quickly, my TransUnion score dropped XXXX points and my XXXX score dropped XXXX points and neither have recovered since the disputes. 

That, in and of itself, would be bad enough, but now I'm getting denied for credit due to the fact that my credit report shows a recent charge-off. The credit bureaus have said that this is standard procedure, that, yes, they update the date of the charge-off because of the dispute, but if you look at the details, you can see the original charge-off date. Great, but automated credit application systems don't read the fine print. All they care about is the fact that my charge-off date now shows as XX/XX/XXXX. 

I'm now terrified of ever disputing another account, even if I know that I'm in the right. I can't sustain another massive loss in my credit score. Before this happened, I qualified for a lot of different kinds of credit, and now I can't get anything. 

As a XXXX person on a fixed income ( XXXX ) living well below the poverty line with no real hope of that changing, this has been devastating for my finances. The charge-offs are for private student loans that only went into delinquency in the first place due to my total XXXX and the refusal of the loan broker to communicate with me at all ( the lender listed has never had any record of my loans, and attempting to work with collections also led nowhere due to the actual lenders, whose identity I was never given, refusing to communicate with the agency and with each other ). Those incorrect reports were already severely harming my credit, and when I tried to get them fixed, all that I was given was an even heavier blow to my credit. 

The credit bureaus say that this is standard procedure. It really, really shouldn't be. If nothing else, I would've appreciated a warning that this could even happen. I had no idea. I thought that I had a chance to rectify the damage caused by a shady student lender. I thought that the credit bureaus would at least try to help. I thought that, if they couldn't help, I'd at least be no worse off than when I started. I thought wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the accounts named " XXXX, '' and " First Progress '' I am requesting that these two accounts be removed from my credit report. There are inconsistencies and incomplete information on these two accounts in all three credit bureaus. The account named First Progress has inconsistencies and errors. XXXX has incomplete information under the account information. The term of the account is missing. Also XXXX is still reporting that I am still making payments on a closed account from XXXX to XXXX when they classified it as a charge off in XX/XX/XXXX. The High Credit amount is not shown and the term frequency says Monthly while XXXX 's information doesn't give a term. Also, the account number is missing completely in my XXXX report. Under XXXX the last payment made is inconsistent with the information XXXX gave. My date of last payment is XXXX XXXX, XXXX while XXXX says that my last payment date was XXXX XXXX, XXXX. Also, XXXX has me current on payments from XX/XX/XXXX to XX/XX/XXXX. I don't have any open accounts with these creditors. Under the account named XXXX my XXXX credit account has numerous unlisted information, it's incomplete. I want it removed from my credit report. XXXX shows that it reach it's 90 day mark in XXXX XXXX when it was supposed to be charged off. While XXXX says it was charged off in XX/XX/XXXX. However, XXXX says it was actually charged off in XX/XX/XXXX. XXXX says it was charged off in XX/XX/XXXX. There are numerous inconsistencies here. XXXX listed the date the account was reported was XXXX XXXX, XXXX. XXXX and XXXX both says that the term was 8 months. However, XXXX says the term frequency was monthly. Clearly there are much inconsistencies in the reports and I am requesting the removal of theses account. 

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

I am submitting this complaint without any third party influence or agency. Please see attached documents as it contains my full complaint and demands. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, Tx XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual.

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer.

Delete the above accounts from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Debt collection

I am filing this complaint regarding a debt reported by XXXX XXXX XXXX on my credit report. I have no knowledge of this debt, nor have I received any prior communication from XXXX XXXX XXXX regarding its existence or details. This account has appeared on my credit report without my knowledge or consent, causing significant harm to my creditworthiness. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request validation of any alleged debt. Validation must include documentation proving that the debt is legitimately tied to me, including information about the original creditor, the account details, and the amount owed. To date, XXXX XXXX XXXX has not fulfilled this legal obligation to validate the debt. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), consumer reporting agencies are required to ensure the accuracy and integrity of the information reported on credit files. The continued reporting of an unvalidated and unknown debt by the credit bureaus violates their responsibility to investigate and correct inaccuracies. 

I have taken steps to dispute this debt directly with XXXX XXXX XXXX and the credit reporting agencies, but no meaningful action has been taken. This lack of resolution is unjust and is impacting my ability to maintain a fair and accurate credit profile. 

Resolution Requested : I respectfully request the CFPB to investigate this matter thoroughly. Specifically, I am seeking : Immediate Removal of the National Credit Systems Account : The account should be removed from my credit report unless XXXX XXXX XXXX can provide full and valid documentation proving the legitimacy of this debt. 

Validation Documentation : If XXXX XXXX XXXX claims this debt is valid, I request that they provide detailed validation, including the name of the original creditor, the account number, the dates of delinquency, and proof of my obligation to pay. 

Compliance Enforcement : The CFPB should ensure that XXXX XXXX XXXX and the credit reporting agencies comply with federal consumer protection laws, including the FDCPA and FCRA, to prevent further violations of my rights. 

Thank you for your time and attention to this matter. I trust in your assistance to ensure that this issue is resolved fairly and in accordance with federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is mixing up mortgage loan with the credit card limit and showing the debt to credit ratio of 289 %, whereas the mortgage of {$420000.00} ( refinanced on XX/XX/2020 ) owed to XXXX XXXX is on a house that was recently appraised at $ XXXX. We owe a total of about $ XXXX on three credit cards with a total credit limit of $ XXXX as follows : XXXX XXXX - Credit Limit $ XXXX, balance {$0.00} ; XXXX XXXX XXXX limit $ XXXX balance {$0.00} dollars. XXXX XXXX XXXX credit limit $ XXXX, balance $ XXXX. Attached is the Experian Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name, Address, and employers are inaccurate. My previous claim ( s ) should have corrected this.
Product: Credit reporting or other personal consumer reports

My name appears incorrectly on my credit report. I also suspect my credit report has created a split file due to the name issue, with me having at least two different credit files under two different names. This is also creating issues for me creating an account online to view my report or dispute my personal information, because the information that I am looking for is not available under my actual name, and any attempts to make an account online redirect me to the existing account for my social security number that is under my incorrect name.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I initiated a wire transfer of {$25000.00} to my wife. After 5 business days of not receiving the money, on XX/XX/XXXX I called Chase customer service multiple times. No one on customer service was able to tell me why the money was not received, only claiming that the transaction had been completed that I should follow up with the beneficiary bank. I ended up requesting for a recall as suggested by one of the representatives. I also called my Chase private client banker, who started an investigation. 

My wife and I also called XXXX XXXX XXXX multiple times, whose representatives claimed that they had never seen the wire transfer, and that we should call Chase instead. 

On Monday XX/XX/XXXX, I visited a Chase branch, no banker was able to tell me why the money was not received, but an investigation was going on. 

On Tuesday XX/XX/XXXX, my private client banker called me, explaining that XXXX XXXX XXXXXXXX had asked for additional details ( my full name and date of birth ) when they first received the money, but Chase had never responded to them. Later the wire department also said the same thing in the secure message system. However, the wire department claimed that XXXX XXXX XXXXXXXX had been waiting for my response, when I had received zero communication from Chase about the inquiry for additional details. 

As of today, XX/XX/XXXX Friday, my {$25000.00} is still not back in my account, and no apology has been made by Chase bank, not to mention any compensation for my time and effort lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I became ill and went into the hospital and was going to be off of work for an extended period of time. I knew I would not be able to make my car payments so I volutarily surrendered my vehicle to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX. They were not happy but they accepted the vehicle, auctioned it off for far less that it was worth ( it was a XXXX XXXX XXXX XXXX. They sold it for XXXX and applied that to my XXXX loan and left me with a XXXX balance on my credit report. when they realized I would not be working they wrote off the loan completely. Some time passed and I returned to work a couple of years later. In XXXX of XXXX they had listed on my credit report that the amount I owed them was {$9900.00}, thirty days later in XXXX of XXXX it increased to {$13000.00}. I have not had possesion of the vehicle since XXXX of XXXX, how can they continually charge me for the vehicle? Also they list on my credit report that I " failed to make my payment '' each month for the past two years. How can they do that when they have written off the loan? As of XX/XX/XXXX I now owe them {$14000.00}! It's all on my credit report and it goes up every month. They have charge me over 50 % of the original figure of {$9900.00} in a matter of 12 months! I feel they are being vindictive because I defaulted on my loan and I would like this information purged from all of my credit reports and and additional reporting agencies like XXXX and thier affiliates. This is outragous and can't believe that this is even legal. I can be contacted at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, SS # XXXX you have my permission to use my information and contact them to discuss this matter and try to resolve it.
Product: Credit reporting or other personal consumer reports

i came across the CFPB EXPERIAN LAWSUIT I feel i was negatively impacted hurthing my chances at credit after receiving a response to my earlier dispute that accounts were verified come with the receipts or be quick to delete the accounts XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Truist Bank XXXX # XXXX Phone # XXXX I have been dealing with Truist Bank since XX/XX/XXXX with no response! 
I had a health policy with XXXX XXXX for the year XXXX with monthly premium payments of {$440.00} per month, which was on auto-pay, automatically withdrawn. 
The policy was cancelled effective XXXX XXXX and which time in the beginning of XX/XX/XXXX, all payments should of stopped. I reviewed my bank statements in XX/XX/XXXX and saw 2 months of premium payments in the amount of XXXX taken out in XXXX and XXXX. I immediately called the bank and informed them of these withdraws and they were NOT authorized. 
After many phones calls to XXXX and to Truist Bank, still NO rely or return calls. 
Truist returned XXXX premium payment for the XXXX withdraw in the amount of {$440.00} but refuse to to reimburse me for the XXXX withdraw of {$440.00}. 
I have NOT received any contact with Truist bank, and they are claiming in a letter they have closed my claim stating I authorized XXXX payment for a insurance policy I no longer had!! 
Truist never contacted me to discuss my claim and I ever went into the local branch to no avail. 
I was informed that the bank was going to deposit the {$440.00} into my account but still the money is not there after a month. 
I need you assistance in getting this matter resolved in a timely fashion and my {$440.00} is returned to me. Thank you.