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

I have contacted Transunion and told them that this account was not mine & I did not open it. I had no knowledge of this account, I have filed a police report & FTC identity theft report XXXX. I filed a complaint against them on XX/XX/15 for XXXX XXXX XXXX   {$5800.00} with you & they continue to report this account that is not mine!!!!!!
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX XXXX in XX/XX/XXXX and it was financed through Ally Auto. Ally had previously financed a truck for my in XXXX, the loan was closed out and in good standing, so when I try to make my new online profile it keeps stating that I have an account. Whenever I try to recover my account, it gives me an error code as seen in the screen shots that are attacked. I have contacted Ally Auto 's customer service for online account XXXX and again on XXXX regarding this issue since I can not log in to pay my loan. I was told that it would be 3-5 business days and my account would be reset on both prior phone calls. I contacted Ally again on XXXX to inform them that the account is still locked, the representative informed me that the ticket # XXXX was lost or looked over and would have to create a new ticket. This would prolong the issue about 3-5 business days, when asked to speak to a supervisor who could escalate the issue I was told " The account is past due, we can not let you speak to a supervisor here so we have to send you to collections and let them handle the issue. '' When talking with collections, they have no control over the online account and the cycle repeats, going back and forth between the departments. The issue is that they are wanting me to pay through a third party and pay " convenience fees '' in order to make the account current whenever the issue has been on their side since the loan was due on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. When I discovered the identity theft I checked my credit reports and found several items that were not authorized by me. I attempted to reach Chexsystems via phone but was unsuccessful so I am filing this complaint in hopes that my dispute will be heard. The following inquiries are showing on my chexsystems report but they were not authorized by me and are a result of the identity theft I am suffering. XXXX XXXX
Product: Credit reporting

There is a judgment on my credit report which does not reflect as being satisfied. To date, XXXX and XXXX have completely removed the judgement from my file. However, XXXX has not removed this from my credit file although the judgment has been satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I submitted an account dispute to Transunion Credit Reporting Agency through the CFPB portal. The Consumer Credit protection Act, Title VI Consumer Credit Reporting, Section 611 Procedure in case of disputed accuracy ( 84 Stat. 1132 ; 15 U.S.C. 1681i ), clearly states that a consumer reporting agency has no longer than 30 days to complete its reinvestigation. The 60 day timeframe allowed by the CFPB does not apply to credit reporting agencies because by federal law a credit reporting agency has a time limit of 30 days. Before the end of the 30 days Transunion Credit Reporting Agency must update the information as instructed by the consumer or delete any unverified, inaccurate, and incomplete information. This dispute was not settled in the allotted timeframe and must be updated as instructed by me in the dispute notice or deleted. Transunion responded to my dispute on XX/XX/23 which is 40 days, 10 days longer than lawfully allowed. This is a violation of 15 U.S.C. 1681i. 

When I did finally receive a response on XX/XX/23 it noted that the disputed information is not appearing on my current Transunion report. As of today XX/XX/23 this account that Transunion says in no longer reporting is still currently reporting and must immediately be removed. Attached is a copy of my most recent consumer report and the notice from Transunion informing me that the information is not currently on my report. 

Lastly, I requested to receive a copy of the description of the procedure used to determine the accuracy and completeness of the information. I never received a description of the reinvestigation procedure. Not delivering a copy of the description I requested is a violation of 15 U.S.C 1681i ( 6 ) ( B ) ( iii ).
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am reaching out to you because I am concerned about the accuracy and honesty of your company 's data. As per FCRA section 611, it is imperative that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers. After doing some research into Metro 2 compliance standards as well ( since they are rather new ), I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved ; would love any feedback possible before taking action against us later down this road together. My credit report is a representation of my financial standing and I take pride in keeping it up-to-date. With that said, you have the responsibility to keep my credit profile and report accurate, authentic, and complete! Therefore, I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report below is inaccurate. It never had any verification, compliance with reporting laws by means or even credibility - so now I'm going through the process of correcting this oversight permanently! The inaccuracies that are currently on my report are having a serious negative impact on my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account opened up in my name. This account is fraudulent and must immediately be removed from my credit profile. I am in the process of filing suit against the creditor. I am XXXX XXXX XXXX and I have no negative accounts on my credit report except for this fraudulent account. It must be removed immediately. 

1 ) XXXX XXXX Balance {$22000.00}
Product: Credit card or prepaid card

Contacted Wells Fargo Bank numerous times by phone and in person to notify them that I want them to protect my financial information from being stolen. Requested Wells Fargo to NOT send sensitive credit card applications to my residence address because ID thieves steal the mail and open fraudulent credit accounts. To protect myself from ID theft, I have a more secure mailing address using a post office box at a US post office. Wells Fargo refuses to send sensitive mail ( which can be stolen by ID thieves to perpetrate ID theft and credit card fraud ) to my more secure mailing address. Wells Fargo refuses to protect my financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX, MS XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX / XXXX XXXX XXXX {$7700.00} XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX car was in a total loss claim with XXXX the car was I was the the borrower my mother was the co borrower. On XX/XX/XXXX my mother passed away unexpectedly. Went to get the information to finish the claim couldnt because my name wasnt on the title registration or anything and she had no will ... which I had to pay for a lawyer to help me become the administrator Credit Acceptance and XXXX was aware of this, but all of a sudden they reported 2 missed payments which took 38 points away. Months later insurance company paid XXXX XXXX paid and I never received a letter with the remaining balance I had called each week finally I paid the balance account is closed and paid and still is open and late on my report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX  XXXX # : XXXX Balance : {$640.00} XXXX XXXX XXXXXXXX XXXX XXXX  XXXX # : XXXX Balance : {$220.00} XXXX XXXX XXXX XXXXXXXX # : XXXX Balance : {$8500.00} XXXX XXXX XXXX XXXX # : XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX  : XXXX Balance : {$410.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 


Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting or other personal consumer reports

I have disputed this account twice saying that I have paid this off. They responded by saying it was sold in XXXX but I paid this account off in XX/XX/XXXX.
Product: Credit card

On XX/XX/2023 Capital One received a credit card application for a credit using my name and ssn. 
i use XXXX XXXX, they reached out to me, hence I contacted XXXX XXXX and had a 3 way call, having Capital One mark the application as fraud.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Re : Unauthorized Hard Inquiries on TransUnion Credit Report Dear Sir/Madam , I am writing to file a formal complaint regarding two unauthorized hard inquiries that have recently appeared on my TransUnion credit report. These inquiries are from entities identified as " XXXX XXXX XXXX XXXX '' and " XXXX. '' I have no knowledge of initiating any business transactions or providing consent for credit inquiries to these entities. These inquiries have a significant impact on my credit score and could potentially harm my financial standing. 

I would like to bring to your attention that these unauthorized hard inquiries not only appear to be fraudulent but also violate both national and South Carolina state laws governing consumer credit protection. Specifically, I believe the following laws apply to this situation : 1. **The Fair Credit Reporting Act ( FCRA ) : ** Under the FCRA, consumers have the right to accurate and fair credit reporting. Unauthorized hard inquiries can damage an individual 's credit, and it is imperative that credit reporting agencies take immediate action to rectify this issue. 

2. **South Carolina Consumer Protection Code : ** South Carolina law also provides protections for consumers against unauthorized inquiries on their credit reports. It is evident that these inquiries were made without my consent, and as such, they violate my rights under state law. 

I hereby request that the Consumer Financial Protection Bureau ( CFPB ) use its authority to enforce these laws and take the necessary steps to have the unauthorized hard inquiries from " XXXX XXXX XXXX XXXX '' and " XXXXXXXX '' removed from my TransUnion credit report immediately. I am prepared to provide any supporting documentation or information you may require to investigate this matter further. 

In addition, I kindly request that the CFPB assist me in identifying the parties responsible for these fraudulent inquiries so that appropriate legal action can be taken against them. Unauthorized inquiries not only harm individual consumers but also erode trust in the credit reporting system. 

Please consider this complaint with the utmost urgency, as I am concerned about the potential harm these unauthorized inquiries may have on my financial well-being. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 


Thank you for your assistance in addressing this matter.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding an ongoing collection attempt by Midland Funding, for a debt that was sold to them by XXXX XXXX XXXX. This debt was paid off and forgiven by [ Previous Company ], yet the second agency continues to pursue me for payment. Enclosed is my documentation, including proof of the original settlement and a cease and desist letter I have sent to the second agency. 

I request that you investigate this matter and take appropriate action to have this debt removed from my records. 

Thank you for your attention to this issue.
Product: Consumer Loan

I purchased a new car on XXXX XXXX. The car dealer called Citizens Bank to get a 10 day payoff on my loan, good till XXXX XXXX. The dealer sent the check the next day. When I balanced my checkbook on XXXX XXXX. I noticed that Citizens bank had taken the automatic payment out of my checking account at XXXX XXXX XXXX Bank. I called Citizens and they stated that they did not close the loan until XXXX XXXX. ( stating that they did not receive the check until XXXX. XXXX. ). I told them that I did not believe that the check took that long to arrive. XXXX told me a check was issued to me for the amount overpaid, they deducted additional interest. Today ( XXXX XXXX, ) I called Citizens Bank again and talked to a supervisor named XXXX, because on XXXX XXXX. I received a letter that the loan had been paid in full ( dated XXXX, XXXX ) but no refund check was included. XXXX stated that they hold any over payment for 10 business days after the loan was satisfied and that my check would be mailed out on Wed. the XX/XX/XXXX.. I questioned her about the delay in posting the dealer payment and she first stated that sometimes it takes 3 or 4 business days to post, then she said they did not receive the check till XXXX XXXX I again told her that I did not believe this and asked where is my money. She then stated that they hold the over payment for 10 business days. I asked her why, and she simply said that is their policy. I asked her if I would receive interest on my money and she stated no. I believe that Citizens bank is deliberately delaying the posting of payment and the return of consumer 's money to make additional interest for the bank. If this is not illegal it should be, it does hurt the consumer and is not ethical. My amount of money lost is minimal but if they are doing this on thousands of car loans a month, then the additional interest earned for them could be staggering. I still have another car loan from Citizens Bank and I am afraid when I trade that car in another year I will run into the same problem again.
Product: Credit card

I'm kindly asking the CFPB to conduct XXXX investigation under this credit card company XXXX. I have credit card with them for a {$1500.00} credit limit, i hardly use this card to make any purchase only once and far I use it to keep it active. But if recently I got a few unauthorized transactions with this credit card. I called and made several report about the issue, they keep promising to look into it but never do. 

Now on XX/XX/year> I log on to my account and see a balance of {$1400.00} on my card I check my transactions history and found no transactions that could have cause this. I then forth to reach out to their customer service number, after several attempts I was able to get in contact with a representative, he then started saying they have a major outage that cause that with my account. Now I waited a few days and no update on my account. I contacted them again and a support team said the outage automatically close the disputes and billed back my account. Now explain to how can a credit card company be so unprofessional with people. I had to request to have the account closed because this issue keep repeating itself and they are not doing anything about it! 

This is why I'm please asking the CFPB to step in and investigate this credit card company
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to correct inaccuracies on my credit report despite multiple written disputes submitted over several months. Experian has not complied with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically : Account : XXXX XXXX Account Number : XXXX Account : XXXX XXXX Account Number : XXXX 15 USC 1681e ( b ) : Failure to ensure maximum possible accuracy of the information in my credit report.

15 USC 1681s-2 : Failure of the data furnisher ( s ) to provide accurate information and to properly investigate disputes.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable reinvestigation and correct or delete inaccurate, incomplete, or unverifiable information within the required time frame.

15 USC 1681c ( c ) : Failure to comply with restrictions on reporting certain adverse information.

I saw in the news that CFPBs lawsuit against Experian for alleged sham investigations of credit errors. My experiences appear to align with these issues highlighted in that lawsuit, including inadequate investigations and lack of meaningful resolutions to disputes.
Product: Checking or savings account

On XX/XX/XXXX, I initiated XXXX XXXX  transfers. XXXX for XXXX, the other for XXXX. On XXXX, XX/XX/XXXX I received received a call about verifying the bank information and the XXXX transfer transfer was authorized. I asked about the other transaction, the one for XXXX}, and was told that it was verified bank to bank and was in process. 

I later found that the transaction was reversed. On XXXX, XX/XX/XXXX I received XXXX  phone calls from XXXX Goldman Sachs, asking me to verify my information, but despite providing all of this information, the XXXX transfer was not completed. that transfer was again reversed for no apparent reason. 

Today, XX/XX/XXXX, I called XXXX Goldman Sachs again and was told that if I initiated another transfer XXXX  it would take place this XXXX. That did not happen. It has now been XXXX days since I initially requested this transfer and XXXX, Goldman Sachs is still holding my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is going from Agency to Agency reporting an account that isn't mine. It's predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, State farm has a late reporting to my report XX/XX/XXXX and this information is incorrect. I called and spoke with a represenative she assisted me and said this was a mistake on state Fram system and that the reproting incorrect infomation would be deleted off the report. It is still showing late. The account was openedXX/XX/XXXX. The account was paid off in full and never used State farm closed the account its balance has been {$0.00} for 3 years. Its limit is {$6000.00} and its high balance was {$5900.00} in XXXX. The report was never updated as promised by State fram bank.
Product: Credit reporting or other personal consumer reports

The company lied on the application after the paper app that I filled out had my proper address thats been on my Florida license since XXXX  and have personal proof that I have to live there this whole time. I have a XXXX XXXX XXXX and a XXXX veteran, XXXX changed my address without my permission, to my ex girlfriend house so she could have a refrigerator that she was paying for with her card, because I never once swiped my card because I found out the card used has to be XXXX that the refrigerator is going for automatic payment for zip code XXXX Ive never lived at that zip code, my zip code is XXXX and they reported I lived there on my credit report at XXXX with the address, that how I know they changed it and now I have having problems because they are reporting the address and bad credit that is hurting my credit when I already live on a fixed income and now they have. I tried to have a resolution and call the woman that has the refrigerator that was paying for it and called XXXX  to have them pick up the thing because they were harassing me calling up to XXXX times a day. When I called XXXX to pick up the refrigerator they said they couldnt is what I was told I could bring it in, how? If it a secured loan by the refrigerator than why wouldnt you go pick it up? Scammed by the store and XXXX they just wanted the sell and she wanted the refrigerator. The address on the agreement is not the address I gave them and they allow her to pay with her card and set up payment automatic draft. My credit is ruined and they have made it where I can attain the services that are required because my credit. XXXX I guess their name should of told me! XXXX totally disappointed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 : States a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX XX/XX/XXXX amount, XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Collection opened XX/XX/XXXX States Account is closed and paid in full yet, still reporting on my credit report which is also a violation of my consumer rights. 


As-well as the removal of these inquiry of my credit report. as these have violated my rights of 15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX BANK Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date XXXX XXXX XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX  XXXX XXXX  NA Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions