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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$67.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

last month, XX/XX/XXXX, ive noticed that i had a few accounts as well as addresses and accounts on my credit report that i have not made. I have outlined the transactions that do not belong to me nor have i made any them on my behalf. 
i Know that my information was part of the XXXX Data Beach because i received a letter in the mail from XXXX letting me know that i have been exposed. To this day, XX/XX/XXXX, I am still dealing with repairing my consumer file. This is also stopping me from fulfilling my career employment due to this holding me back.
Product: Debt collection

Resurgent Capital Services. Have my personal information. My social security number, address, phone and email. Without my consent. I dont have a contract with them nor do I have one with the original company XXXX XXXX  XXXX Its a business account. My company XXXX XXXX XXXX never signed an ink document with wex bank nor Lvnv funding. I asked for the contract bearing my name in ink for them to show 100 % accuracy or permissible purposes as FCRA says. Also its against the privacy act for them to have my personal information without my consent. They assured me that they dont have any nor have seen one but still have and hold my private/personal information. They said they had to request it. I asked they they remove my information after tell me they have no copy of contract and they still refuse to. I spoke directly XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

credit karma had guaranteed approval for loans credit etc and when Applied it would get denied causing me to take a bigger hit to my credit and making my credit worse
Product: Debt collection

All the sudden a collection account appeared on my report on XX/XX/2021, I called them and they said it was sent to them from XXXX XXXX  in XXXX which I dont live there, I told the company its against the law to placed collection on credit report before giving me the chance to validate the account, they didnt care they said they have notice sent to address where I dont live. 

Account # XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On at least six occasions this year, I have attempted to lift the temporary freeze on my account, encountering consistent difficulties due to inaccurate information that TransUnion has recorded. The security questions posed for unfreezing purposes bear no relevance to my personal details, encompassing erroneous data ranging from previous phone numbers and addresses to unfamiliar individuals. Despite numerous calls to rectify these issues, the impediments persist each time I endeavor to unfreeze my report, resulting in multiple instances where I've been denied credit. This has adversely affected my applications with XXXX five or six times and with XXXX XXXX on several occasions. 

My most recent contact with TransUnion occurred on Saturday, XXXX, where, as expected, I encountered challenges answering the security questions. Consequently, I requested the intervention of a supervisor, who was able to verify my identity. She assured me that the freeze would be temporarily lifted, allowing me to manage it independently moving forward. 

However, on XXXX, when I applied for credit once again, I faced a recurrence of the same issue. The online system indicated that it would send a code to my email, which, as usual, I did not receive. Regrettably, this has led to yet another missed opportunity in my credit application. It is imperative that TransUnion be held accountable for the profound impact these recurring issues have on individuals ' lives.
Product: Credit reporting or other personal consumer reports

I have several hard inquiries on my credit report I did't authorize or recognize can you have those removed ASAP please and thank you.
Product: Credit reporting or other personal consumer reports

My wife and I purchased a vehicle for {$54000.00} in XX/XX/2023. We both have sub par credit and are working on fixing it. We purchased this vehicle with a extremely high interest rate with hopes that with on time payments we would refinance in a year. XXXX XXXX XXXX has not reported our on time payments. We've emailed and called several times and get no updates or results. This is predatory lending practices to keep a high interest rate and not allow other finance options. 
This is a {$1200.00} payment made on time every month. We even made a extra payment to principal but was never applied to the principal by the company. Now over a year later our credit has not changed due to the fact that no payment history is being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a customer dispute 60 days ago and have not received a response... I need immediate resolution as this situation is causing an enormous amount of stress on me and my family. I'm completely upset at the lack of response to my customer dispute. Please help in having the credit reporting agencies complete my investigation and provide me with an update. The issues are causing a ton of problems and I need answers. Thank you.
Product: Checking or savings account

My wife received an insurance check for {$4900.00} which we deposited on XX/XX/XXXX to our Wells Fargo bank account. My bank placed a 10-day hold on the check which seemed excessive saying the check maker had bad checks. Turns out XXXX  released the funds to the bank the very next day ( XX/XX/XXXX ) but is still holding the funds until the XXXX. 

I have called the bank twice since then and can not get an acceptable explanation as to why these funds are still being held up.
Product: Debt collection

They repeatedly call me and call my work. They have given my personal information to my boss and threatened to sue me and arrest me. I tried to set a payment up but they demanded my bank information and payment in full. I spoke with one woman named XXXX as well as my boss spoke to her. She called me a XXXX and hung up on me. I called back and spoke with another lady who after giving me a fake company name and wrong call back number also hung up on me. I spoke with a man who told me to work on my character and pay my bills. They call me everyday all day but refuse to actually set up payment unless I pay in full. They also have given me FOUR different bills due - the amount due changes with each call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts listed below has violated my rights. 

15 U.S.C. 1681b ( a ) ( XXXX ) states any consumer reporting agency may furnish a consumer report WITH the written instructions of the consumer to who it relates.

15 U.S.C. 1681b ( a ) ( XXXX ) states a consumer reporting agency has to respect consumers rights to privacy. 
15 U.S.C. 1681c ( a ) ( XXXX ) ( XXXX ) states consumer reporting agency can not make any reports containing accounts placed for collection or charged to profit and loss. Any other information other than records of convicted crimes. 

Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Solutions XXXX XX/XX/XXXX
Product: Credit card

Chase credit card withheld information about the cut off time XXXX east time for payments on XXXX/XXXX/2015. Then at XXXX I called to pay it to avoid late to pay with chase checking the said even though I paid in past with that account I would have provide my account and routing number with I did n't have on me. I spoke to supervisor who said on a recorded line not to worry he will note on the account that he would refund any late fee was I paid it on the XXXX/XXXX/2015. However now chase still charged me a late fee. Even though I paid on the XXXX. In conclusion CHASE credit card automated machine didnot disclose that there was a cut off time on the XXXX due date. And they are scamming me and other customers out of XXXX of dollars. They need to be held accountable for ther scheme
Product: Credit reporting, credit repair services, or other personal consumer reports

was naver late i hade no balance when i returend my car, theycame up after returning the car that i need to pay additional {$2800.00}, it was paid on XXXX out of my account, i gave in this comlaint already and thay took it off, and now they report it again on my credit,
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Failure to Validate Credit Report Information Dear Consumer Financial Protection Bureau, On XX/XX/2024, I sent an affidavit to the CEO of TransUnion, demanding proof of validation for information reported on my credit reports. Despite my request, I received no response from the agency. Instead, they began disputing the information themselves, further suggesting that they never intended for the reported information to be accurate. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to validate and verify information before reporting it on a consumer 's credit report. Their failure to adhere to this legal obligation has resulted in continued inaccuracies on my credit reports, causing financial harm and emotional distress. 

I am demanding immediate corrective actions, including : Permanent deletion of all unverified and inaccurate information. 
Compensation for damages resulting from these inaccuracies and their failure to comply with the FCRA. 

I request a prompt investigation and a response detailing the actions taken to address these concerns. 

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

In accordance with the Fair Credit Reporting Act XXXX  Account Account name XXXX XXXX  XXXX  Account number XXXX, Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Account name XXXX XXXX  Account number XXXX Account type Credit Card 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 is also states a consumer reporting agency can not furnish a account without my written instructions.
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. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Account number XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Account number XXXX XXXX DEPT.OF SOC.SERV.-CHILD SU Account number XXXX XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, " XXXX XXXX XXXX '' Account # XXXX " XXXX '' Account # XXXX " XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from Experian and I contacted them about their inaccurate reporting of my name, date of birth, and my address. 
Experian shows the following inaccurate items on my report : My name is XXXX XXXX XXXX and their inaccurate reporting shows : XXXX XXXX XXXX which is incorrect. 
My birthdate is XX/XX/76 and their inaccurate reporting shows : 1976 which is incorrect and can be millions of other people. 
My address is XXXX XXXX XXXX, XXXX XXXX, MO XXXX and their inaccurate reporting shows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, il XXXX which I can not receive mail at this location.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted AD Astra Recovery and faxed my FTC affidavit to them twice XXXX and I have called to verify that they have received my fax and they did confirm but they wont stop reporting to the CRAs and this is what AD ASTRA Recovery told me to do, they told me in order for them to delete the account I have to call all 3 credit bureaus and tell them that I want to cancel my dispute so that they could delete the account! But little did I know this is a TRICK!! this collection company is sketchy!! how dare you try to still collect and trick me when this is a fraudulent account!!! I just want to say Thanks to XXXX they let me know what AD ASTRA Recovery was trying to get me to do!
Product: Consumer Loan

Auto Loan with Capital One, in XX/XX/XXXX I paid off my daughter 's loan I was the co maker on the loan with her. we purchased the Vehicle from XXXX at XXXX XXXX XXXX, XXXX XXXX, La XXXX at the time of purchase Gap insurance was applied to the loan. when we paid the loan off Capital one informed us that we were possibility due a refund of the unearned premiums due to paying off the loan early, I went to XXXX, to request a refund as indicated by the letter from capital one. XXXX filled out the attached request for the refund on XX/XX/XXXX..as of this date we have not received the refund nor any correspondence, I went to the dealership several time, only to be told it would take about 8 weeks. Almost 14 weeks and no response. I am of the feelings that no Gap insurance exist.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$17.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

PNC Bank sent me a statement that there is an escrow shortage of {$7800.00} and increased the monthly payment even though they can not tell me why there is an escrow shortage or where the escrow money is going. My wife and I have been trying to get answers from PNC for about a month now. There was an escrow balance of XXXX, then 4 months later, a shortage of {$7800.00} so a swing of {$17000.00} in 4 months and PNC can not tell me why, " just pay it ''.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
Product: Debt collection

I have a medical collection on my credit report that does not belong to me. It was incurred 4 years ago in XXXX, KY where i have not lived for the past 7 years. I have communicated this with Central Financial Control, I have received no proof that this debt is mine. I found myself in a situation that required me to pay off collections on my credit report, I paid this with the understanding that they would delete it from my credit report, I need your help getting this erroneous information removed from my credit file.
Product: Money transfer, virtual currency, or money service

I am writing to formally voice my concerns about Zelle 's dispute resolution process, especially in light of the recent CFPB lawsuit that brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my financial institution sufficiently looked into my claims. They told me that it was impossible to follow these transactions and to recover loss funds. According to the CFPB 's findings, Zelle has not only failed to safeguard customers but has also let repeat criminals to take advantage of the system, making users susceptible to fraud. This lack of transparency and accountability is intolerable and poses major risks to consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Like so many consumers throughout the USA, I am enslaved by the Credit Reporting Agencies Their intent is to keep consumers credit scores as low as possible and making it difficult to remove any negative items from their personal credit reports.

Experian is the number one choice of most Credit Card Companies and the number one violator of consumer rights under the FCRA. I like millions of others have worked for months and years of time and spent thousands of dollars to correct our credit reports. It would take pages and pages to document dates and actions.

I had finally got all of the incorrect information from my reports incurred by Identity Theft when I was hit by a rash of hard inquiries on primarily my Experian Credit Report. I had a 7 year Fraud Alert on my Experian report effective XX/XX/XXXX. Despite this 7 year Fraud Alert, Experian continued to allow hard inquiries.

I contacted Experian and spoke with a call center in XXXX XXXX  and a portion of the hard inquiries were removed. There remains some hard inquiries that is hurting and denying me credit opportunities.

The Hard Inquiries that Experian has not removed after disputes by phone are as follows : 1 ) XXXX Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ).

2 ) XXXX. Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ) 3 ) XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ) If have not signed a credit application requesting credit from these companies and Experian violated the terms of my Fraud Alert.

Unless Experian has a signed and dated Credit Application they must be removed. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There were multiple fraudulent inquiries on XXXX, XXXX, And Transunion. The reporting agencies insisted I contact each and every creditor which I did, only for all the creditors to tell me I need to contact the CREDIT BUREAUS. So now I call the credit bureaus and they advise me to file an FTC report which I did. Sent the FTC report to each reporting agencies CERTIFIED MAIL along side with the dispute letter, ID, SSC, AND BILL as the requested and they all received my correspondence. XXXX and XXXX removed the fraud inquiries but TRANSUNION is ignoring my request all around!