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

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/XXXX inquiry from XXXX XX/XX/XXXX inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX inquiry Bank Of America I Called XXXX and XXXX  twice they did not remove these inquires. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX DOB : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to The Fair Credit Reporting Act 15U.S.C.1681s-2 ( A ) ( 1 ) your company, Chexsystem, is reporting inaccurate information on my consumer report.The account listed on my consumer file with my consumer id XXXX on XX/XX/2022 must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX.
Product: Money transfer, virtual currency, or money service

Husband initiated an international wire transfer through our bank, XXXX, on XX/XX/XXXX. After delays and errors, our funds were returned to us. Still owing the debt, I initiated the international wire transfer on XX/XX/XXXX from our XXXX account. Bank of America is serving as their intermediary and repeats the same questions and can not comprehend the answers supplied and has delayed the transfer. ( We made two transfers to the same recipient and account from our XXXX account in XXXX and they were successfully transferred in the XXXX timeframe Swift dictates. ) We have spoken to every member of XXXX 'XXXX  Bank Operations Support Center. XXXX has communicated information to Bank of America by way of amendments twice now. Bank of America still holds our funds. This has cost us time and damaged our reputation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XX/XX/XXXX CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX , DC XXXX RE : Notice to Correct Credit Report Greetings, Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by THE US DEPARTMENT OF EDUCATION/NELNET . The items reported by this agency shall be removed to show my true credit history. This request is supported under 12 CFR 1006.34 - Notice to validate debts of the Fair Credit Reporting Act. Under the Fair Credit Reporting Act, a creditor/agency has 30 days from the receipt of the initial letter requesting verification of the entries that are being reported to a credit report. According to this law, failure to verify the items within thirty ( 30 ) days constitutes a reason to remove the information from my file completely. 

The initial request under 12 CFR 1006.34 - Notice for validation of debts was sent XX/XX/XXXX and received by NELNET on XX/XX/XXXX. The US DEPARTMENT OF EDUCATION/NELNET did respond to the initial request to verify the accounts below however, the date of the response letter was XX/XX/XXXX and XX/XX/XXXX, which was outside of the legal 30-day period that is required. Furthermore, the information that was provided was not any information that is associated with me or that I recognized. Under 34 CFR 685.215 - Discharge for false certification of student eligibility or unauthorized payment, THE US DEPARTMENT OF EDUCATION/NELNET shall remove these entries from my credit profile.

As required by the Act, I demand that these items below shall be removed immediately from my credit profile, due to the unlawful validation process and the unauthorized nature of these accounts.

Company Name Account Number Amount 1. DEPT OF EDUCATION/NELN XXXX  {$14000.00} 2. DEPT OF EDUCATION/NELN XXXX  {$28000.00} 3. DEPT OF EDUCATION/NELN XXXX  {$5300.00} Finally, please send me the names and contact information of all the individuals you contacted, so that I may follow up with them directly. Thank you for your assistance in this matter. 



Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Social Security Number : XXXX DOB : XX/XX/XXXX cc XXXX, State Attorney General
Product: Checking or savings account

In XXXX of XXXX I received a statement in the mail from Wells Fargo. I had not opened the account. May the same thing I reached out following each statement after May I visited the branch closest to me and was informed that someone had assumed my identity. This was a huge concern as I received letters every month from fraud department customer support and mediation program. Due to the death of my grandmother whom I had taken care of I lost some time but immediately after mourning I reached out to them again and received a mediation letter which I signed and sent back with. I response. Going into XXXX I had been in continuous communication with Wells Fargo as they were trying to figure out a remedy. I again filled out the same thing sent it back and they received it in XXXX. They advised they would be appointing a mediation agent to my matter. I spoke with her once and my frustration wouldn't allow me to let it go as advised. From that point on a new agent was applied and I then received a letter XX/XX/XXXX stating they didn't feel as though my matter was of importance at this time and I haven't heard from anyone since. I spent over 2 years agonizing and distressed to the point that my hair has fallen out and I suffer from XXXX and anxiety. I have incurred damage to my credit both past and possibly future. I'm unable to purchase a home car etc. because of the lack of credit history which is due to several accounts being opened in my name immediately following this situation. It's been brought to my attention that Wells Fargo has a data breach in the same month as well as employees opening fraudulent accounts in people 's names without their consent knowledge or permission. I've been thrown to the garbage like trash. I can't trust banking institutions and I have been greatly affected by this in negative ways
Product: Student loan

I received an email XX/XX/19 informing me of a Change in Loan Terms. I have an IDR that I agreed to in XXXX that set the payments at about XXXX a month. It was going to be difficult enough to rearrange my finances to pay that as a XXXX XXXX, but they jumped they payment up to XXXX. Whats the point in providing options for repayment then just taking it away?
Product: Credit reporting or other personal consumer reports

Dispute of Collection Account on Credit Report Dear CFPB I am writing to formally complaint because i found a collection account listed on my credit report. After reviewing my credit report, I noticed an entry that I believe is inaccurate and in violation of certain federal laws. The details of the account in question are as follows : Creditor/Collection Agency : XXXX XXXX XXXX Account Number : XXXX Date of Entry : XX/XX/year> Creditor/Collection Agency : XXXX XXXX XXXX Account Number XXXX XXXX Date of Entry : XX/XX/year> Creditor/Collection Agency : XXXX XXXX XXXX Account Number : XXXX Date of Entry : XX/XX/year> Creditor/Collection Agency : XXXXXXXX XXXX  Account Number : XXXX Date of Entry : XX/XX/year> My dispute is based on the following federal statutes : 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act - Privacy Protections ) : This statute regulates the disclosure of nonpublic personal information by financial institutions. I believe the collection account listed involves the unauthorized disclosure of my personal financial information, in violation of this privacy protection statute.

15 U.S.C. 1681b ( Fair Credit Reporting Act - Permissible Purpose ) : According to this section, a credit report can only be accessed for permissible purposes. I question whether the collection agency had a legitimate and permissible reason to access my credit report and report this account to the credit bureaus.

18 U.S.C. 1028A ( Identity Theft - Aggravated Identity Theft ) : This statute criminalizes the use of someone else 's identification in connection with the commission of certain felonies. If this collection account was opened or reported using fraudulent information or without my authorization, it could potentially involve identity theft.

Given these concerns, I request that you investigate this account in detail. Please provide me with the following : Proof of the legitimacy of the debt and the collector 's right to report this account.

Documentation of the permissible purpose under which the collection agency accessed my credit report.

Confirmation that my personal and financial information has not been mishandled or disclosed improperly.

Until this dispute is resolved and the account verified, I request that this collection account be marked as Disputed on my credit report. 

Please respond to this dispute within the timeframe required by law 30 days for receiving this notice. Additionally, please provide me with written confirmation of the outcome of your investigation and any amendments made to my credit report as a result. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have neen reaching out because amount is incorrect but to no avail... i want to pay the debt but amount is way over the correct amount i owe
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 I am reporting a fraudulent inquiries found in my credit report
Product: Money transfer, virtual currency, or money service

I can not link any account to my cash app when asked no one gets back to me or knows what the problem is
Product: Credit reporting

I visited Transunion for a credit report. They required my credit card number to bill me XXXX dollar for the report. Now they say I joined their service and want to bill me XXXX a month. They have already billed my credit card for this service even though I did not order it.
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 on how to remove the fraudulent accounts 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 accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Bank of America. I was told that when my home equity loan was paid in full it would be reported that there was no late payments. The 3 month payments that were reported as late was the time Bank of America took to mark my account PAID IN FULL. This should be removed from my credit report. The second Bank Of America is my loan modification in which I was making payments to Bank of America on a trial modification. Bank of America waas to remove from my credit report these lateness reports. I would also like this removed from my credit report. The XXXX report that is wrong is XXXX, this was reported wrong as being late. I cosigned a student loan and my step son is still going to school and the payment was suspended untill he graduates. They reported the XXXX payment in arrears even though I paid them on the phone.I never received a notice from XXXX about this lateness. I also need this report removed from my credit report.
Product: Credit card or prepaid card

I started my unemployment on XX/XX/2020 and still have not received a card. I have called multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I am submitting this complaint on behalf of myself, and in connection with ( 3 ) three letters I sent out approximately XX/XX/2020, to XXXX, XXXX XXXX XXXX, XXXX, and TransUnion LLC. They were addressing, several errors and certain unverifiable accounts. I discovered on mu credit report. I requested removal of all errors and such accounts, which could not be verified, after ( 30 ) thirty days passed without a response, I sent out a demand letter of removal on XX/XX/2020, where in had not been provided a response of the nature of any investigation or disclosure. FCRA section 609 ( a ) ( 1-5 ). I did receive a response XX/XX/2020. To my understanding when a Credit Bureau doesn't respond to a consumer 's initial response within ( 30 ) days, they are required to remove all errors and unverifiable accounts, which have not been verified within the prescribed time FCRA section 611 ( 5 ) ( A ) ( i ). Neither have they responded to my demand letter, so I am disputing the credit reporting agencies right to report any unverifiable account which hasn't been validated, by the procedures set out in the FCRA 611 ( a ) ( 1 ) ( A ).
Product: Credit card or prepaid card

The US Bank XXXX XXXX card promises 5 % cash back if you use the card to pay for your gym membership. I saw that my gym, XXXX XXXX, is specifically named as an example on the US Bank XXXX XXXX card website. That got me to sign up for the card and sign up for the 5 % deal. I noticed that I have not received the cash back as promised. When I called to complain, I was told that their system shows the charge as recreation and not as a gym, and there was nothing that could be done. And that I would have to get XXXX XXXX to change the way they charge their clients!? To my mind this is fraud - advertising that XXXX XXXX as an example of the gym that participates, but then not honoring that commitment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the three credit bureaus XXXX, Experian, and XXXX to request my credit profile list only accurate information including name address and employer. 

My legal name is { XXXX XXXX } I have not gone by or have had any other legal name. Please correct. 

My address is { XXXX XXXX XXXX, XXXX XXXX, LA XXXX } please correct. 

My employer is { XXXX } please correct. 

Please assist in ensuring only the above information is reflected on my credit report accurately. I am happy to provide any documentation needed as well to ensure accurate reporting of my personal information. 

Thank you.
Product: Debt collection

This debt collection company inaccurately fraudulently reported on my credit reports. It is saying I made a payment to them in my XXXX when I did not. Its further reflected in my XXXX that these payments never happened. I dont know what is going on and why they are reporting these deceptive claims.
Product: Credit reporting or other personal consumer reports

In accondance with the Fair Credt Reporting act. The Lat of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 
Account name : [ XXXX XXXX XXXX XXXX XXXX ] has violated my richts. 
I looked at my [ TransUnion ] credit report on [ XXXX XXXX XXXX  ] and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( XXXX ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( XXXX XXXX, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

Bank XXXX XXXX, They have not done their due diligence and they refuse to go through their records and recorded lines. They are very rapid and rude. They continue trying to reach me over the phone instead of going through CFPB. It seems that the credit agencies are very biased towards the banks even if the consumer has showed in the banks own email, letterhead and all their logos and information that payments have been made. They are causing damage and being malignant in every which way. I can't spend more time fighting these banks even though I continue making payments. 

They are hurting me and my family. I hope you take this very seriously. 

XXXX XXXX  XXXX can't continue doing what they are doing. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I sent a letter to XXXX XXXX opting out of two account reporting. They have not responded or complied.
Product: Debt collection

My name is XXXX XXXX, I recently checked my consumer report and noticed inaccurate reporting by a company called XXXX XXXX XXXX XXXX  '' reported by TRANSUNION, a credit reporting agency bound by FEDERAL LAW to furnish ONLY ACCURATE information WITH consent from the consumer on which it is reporting. I never provided XXXX XXXX XXXX  nor TRANSUNION to contact, share or furnish ANY of my private personal information, especially unverified information. Under US code Title 15 Chapter 41 Subchapter V 1692g Part b, this alleged debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel in this matter. In the event that this alleged debt is not validated by you as required by FEDERAL LAW, you have a legal responsibility to terminate the claim and correct ANY negative credit reporting that may have been made in connection with this alleged debt.
Product: Credit card

I notice suspicious {$150.00} charge from XXXX on my account XXXX XXXX XXXX XXXX. 
I called US Bank regarding this issue and was transferred to security. I spoke to someone named XXXX on XX/XX/2024. 
She said she needed to verify and sent me one time code to my cell phone number on file where I verified the code and bunch of security questions.

From the beginning, she gave me the attitude that she wanted to hear only what she wanted to hear. 
I answered all her security questions. She expected me to answer wrong, but unfortunately, I did answer her security questions correctly, she still blocked my card for no reason. She also mentioned that someone else will call in with in 48 hours, but no one called until now. I was falsely accused of XXXX XXXX  by US Bank as I had a different voice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico 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 XXXX 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 XXXX XXXX but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a collection on my credit report by the name of XXXX XXXX for the amount of {$440.00} I've been disputing this collection since XX/XX/XXXX I have no knowledge of this debt and XXXX XXXX came back verified, which i disagree therefore i took matters in my own hands called the creditor asking for a purchase agreement with my signature gave them ample time and never received it, i also advised them I'm a victim fraud. Again I reached out to XXXX to dispute and asked them to provide proof of investigation since I've been disputing it going on 6months and they also couldn't provide it. I've also provided them with my FTC report. 
I've disputed various items on my credit report due to my identity being taken in XX/XX/XXXX that is reported on my FTC along with the police report and they have failed provided me proof of their investigations to those fraud items.