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

XX/XX/XXXX Complaint Against XXXX and Transunion for the past 10 months have been requesting to dispute unknon inquiries. When I lifted my credit freeze in XX/XX/XXXX and thereafter ( XXXX, XXXX ), at least 10 inquiries from companies, banks and loan servicing entities that I had not applied for credit from and I had not filled-out any type loan application in person or online.Complaint- XXXX and Transunion refused to allow me to dispute the unknown and inquiries that I had no knowledge as to why they pulled my credit without my permission : banks, credit unions, and loan servicing companies. I had not applied for credit with these entities in my dispute or given them approval to run my credit at all. XXXX and Transunion refused to allow me to dispute these unknown inquiries would not even bother to investigate this inquiries as requested. Complaint Against XXXX  and Transunion for the past 9 months as they have not allowed me to dispute unknown inquiries as follows : 1. XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 2. XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 3. XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 4. XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 5. XXXX XXXX, inquiry XX/XX/XXXX, not my approval 6. XXXX, inquiry XX/XX/XXXX, not my approval 7. XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 8. XXXX XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my approval 9. XXXX, XXXX, inquiry XX/XX/XXXX, not my approval 10. XXXX XXXX XXXX XXXX, inquiry XX/XX/XXXXnot my approval
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

My fianc and I used my venom for several months both collecting our unemployment. Venmo one day out of nowhere permanently deactivated my account and locked $ XXXX in the account. It has since been almost 200 days and they refuse to release our funds. My fianc was willing to prove it was him and I both using the account but they are not giving in and will not release my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan through XXXX XXXX XXXX with the Merchant named XXXX XXXX I had submitted a dispute as the merchandise was stolen and not received. During the investigation, I attempted to pay the installment, however, I was advised that during the dispute I could NOT make payments on the loan until it was resolved AND this information would NOT be reported to the credit bureaus. I checked my credit reports with all three bureaus and XXXX is listed negatively. The loan has been satisfied and I have been in constant communication with XXXX XXXX XXXX I am requesting for the negative items to be removed and to reflect the accurate, up to date information which is a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries. these need to be removed 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 Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XX/XX/XXXX I requested a credit limit increase at that time I was told to have my limit increased from {$200.00} to XXXX I needed to send in {$200.00} on XX/XX/XXXX and on XX/XX/XXXX I purchased both money orders totaling {$200.00} both money orders were sent to FIRST PROGRESS ON THE SAME DAY, after several calls FIRST PROGRESS I CONTACTED XXXX XXXX WHERE THE MONEY ORDERS WERE DRAWN ON, THIS IS WHEN I WAS TOLD BY THE REPRESENTATIVE FROM XXXX XXXX THAT BOTH MONEY ORDERS WAS CASHED ON WEDNESDAY XX/XX/XXXX After I received the information from XXXX XXXX I CONTACTED FIRST PROGRESS, THIS WAS WHEN I WAS TOLD THAT THEY HAVE NOT RECEIVED THE MONEY ORDERS, I HAVE SENT ALL OF THE DOCUMENTS THAT I RECEIVED FROM XXXX XXXX TO FIRST PROGRESS.as of this date FIRST PROGRESS IS STILL STATING THAT THEY HAVE NOT RECEIVED THE MONEY ORDERS THAT I SENT TO THEM THIS IS ALSO AFTER I HAVE SENT THEM THE PROOF FROM XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Citi listing account ending XXXX with Customer Reference # XXXX  regarding submitting a claim for a potential refund before XX/XX/XXXX, today.  I don't have an account with Citi and believe this is a scam of some sort.  Also listed is a Tracking Number: XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A MEMBER OF XXXX XXXX XXXX FOR SEVERAL YEARS NOW AND I CANT QUALIFY FOR NONE OF THEIR PRODUCTS. NO CREDIT CARDS OR LOANS OF ANY SORT. I EXPLANINED SEVERAL TIMES THAT SOMETHING IS WRONG WITH THE APPLICATION PROCESS WHEN I FILL OUT FOR A CREDIT CARD. FOR EXAMPLE IT WAS STATED THAT I HAD NEGATIVE ACCOUNTS ON MY CREDIT REPORT AND ALSO COLLECTIONS. BUT WHEN I LOOK AT MY CREDIT REPORT ON EQUIFAX.COM THERE ARE NO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. PLEASE SEE ATTACHMENT. THE DAY I WAS DENIED ON XXXX THE XXXX MY CREDIT SCORE WAS XXXX. SOMETHING IS TERRIBLE WRONG HERE. I'VE BEEN MENTIONING THIS FOR YEARS TO THEM AND TO EQUIFAX. ON XXXX  FICO PAGE IT STATES MY FICO 9 SCORE IS XXXX WHICH I CANT SEE HOW POSSIBLE WHENS THERES NO NEGATIVE ITEMS IN MY EQUIFAX CREDIT REPORT. PLEASE EXPLAIN THIS TO ME.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. 

CAPITAL ONE has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me
Product: Credit card

I contacted Bank of America on XX/XX/XXXX after receiving a denial offer for my credit card application. I requested them to provide an authenticated copy of the off-ledger account balance that proves beyond a shadow of a doubt that the account of XXXX XXXX has insufficient credits to serve as collateral for a credit card account to my benefit as the beneficiary. I also requested that they prove, through sworn testimony, that they have not accessed the credits of XXXX XXXX after receiving my authorization to access the account, and that they have gained no monetary benefit from such access. To date, I have sent XXXX notices to Bank of Americathis initial notice on XX/XX/XXXX, then again on XX/XX/XXXX, and finally on XX/XX/XXXX. These notices were all sent via XXXX XXXX XXXX, Return Receipt on XX/XX/XXXX and it was delivered to Bank of America each time. I have received NO valid response. I am attaching a copy of these notices sent, which includes the tracking information from XXXX. 

They accepted my credit card application, with my signature and I have strong reason to believe that they have turned my application and signature into a performance contract and presented it to the FED window, generating digital dollar credits many times over what they supposedly considered extending me in terms of credit for this credit card. 

I have strong reason to believe that they also additionally securitized and derivatized this performance contract to net multiple times more digital dollars, and also potentially gained further from fractionalized lending from those credits. 
They did thisall while denying me a credit card from the same application which generated these enormous credits for them. 

In my notice, I accepted their offer to deny me credit, PROVIDED they prove that I did not have sufficient credit and that they have not used the credits generated from my application. Otherwise, they admit that they have unjustly enriched themselves from my application and signature.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account from my 
credit report, as I am a victim of a data breach. This request is made pursuant to 15 USC 1681c2(a) and FCRA  605(b):
Account to Be Blocked and Deleted: XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Inquiries:
 EQUIFAX MTG - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX Systems Accounts : XXXX, XXXX, XXXX, XXXX This collection agency took the original creditor XXXX Acct XXXX total {$1100.00} and reported XXXX separate collection record on my credit report resulting in Acct 's XXXX {$630.00} & XXXX {$490.00} Original creditor XXXX Acct XXXX total {$1500.00} and reported XXXX additional collection records on my credit report in Acct 's XXXX & XXXX In summary XXXX took XXXX original creditor accounts a generated a total of XXXX collection accounts on my credit report. 
I am requesting that all collection records from XXXX be deleted and prevented from reporting in the future to my credit. 

I feel that this information is not being reported correctly ; which is unfair and misleading
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi to whom this may concern I just received my credit report and it's showing that I have currently been past due, and that is incorrect I have not been past due on any of my accounts. you can check my credit and I have paid all my accounts on time. I would this derogatory remark to be removed from my credit report immediately Please and thank You ... it also shows Serious Delinquency on my repost that is also incorrect please remove the derogatory remark of my credit report. 


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

I have my loan with XXXX -XXXX XXXX XXXX  , during the month of XXXX when th Pandemic Covid 19 start I request my loan to be into the FOREVERANCE PROGRAM, XXXX accept and offer me 3 month starting on XX/XX/XXXX, XX/XX/XXXX until XX/XX/XXXX. 

On XXXX XXXX tranfer my loan to the company Loan Care, this company send my a letter to offer me an extention for the Foreverance Program, and I agree for 3 additional months until XX/XX/XXXX. 

But Loan Care Report to the 3 Credit Bureaus that my XXXX payment as late payment, and destroy my excellent credit report and scores, I never been late on my payments. 

I call Loan Care and they told me they will be fix this mistake inmediatle and apologies for the mistake, I still waiting but they never fix the problem and they report again to the Credit Bureaus, causing more damage on my credit report for second time now my credit from over 700 credit score point appear as a miserable report of XXXX, all my lines of credit has been affected. 

I have all proof to summit to who and need this. 

I already spend hours and hours trying to solve this matter with loan care multiple employees and always they said they will fix but after almost 3 months they do not solve the problem and my finance economic is destroy. 

Need please to who correspond to help me to solve this problem ASAP. 

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

XXXX XXXX XXXX i have no knowledge of this collection i have never had XXXX XXXX. 
Addresses : i never stayed at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX or XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XXXX  ) ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) As it states in accordance with the Fair Credit Reporting act XXXX  accounXXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C1681section 604 A section 2 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

EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit card or prepaid card

Good Morning, I was charged interest on my American Express Gold credit card in the amount of {$56.00} on XX/XX/XXXX. 

I called American Express on 3 separate occasions over the past 3 months inquiring about why this charge occurred and asking for it to be refunded. 

The following sequence of events occurred : -XXXX XXXXXXXX : I was told the charge was due to Buy Now Pay later feature that was erroneously turned on. I was told the interest would be refunded. 

XXXX XXXX : I was told the charge was due to a late payment, but since I was told the interest would be refunded on the previous call ( which they reviewed and confirmed ) they would refund the interest in the next billing cycle. 

XXXX XXXX : I was told no one knew why I was charged interest and American Express was unable to determine the cause. American Express stated that the information has disappeared, and they would not refund any interest. 

This is alarming and surprising coming from American Express.
Product: Credit reporting or other personal consumer reports

equifax is in clear violation of the law. Under 15 USC 1681 of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 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 consumers and the person making the report. 
Transaction : In business law, a transaction is an event associated with business dealings conducted between two or more parties that involve the formation and performance of an obligation or contract.

THE LAW CLEARLY STATES : Transactions or experiences between the consumer ( me ) and the person making the report is NOT INCLUDED ON MY CONSUMER REPORT.

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

The reporting of this account violates multiple provisions under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, including but not limited to 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
Product: Debt collection

I started receiving offers from attornies offering to assist me with a lawsuit against XXXX XXXX XXXX, XXXX on behalf of Midland Credit Management but had no knowledge I was being sued until I did a background check on myself and was later served almost a month later. XX/XX/XXXX I wrote the company requesting a Bill of Sale, debt validation and the purchase agreement but received no response. I wrote them again & attached a letter to the County Court requesting said information again. They sent information over stating I owed a debt & attached a Dunning Letter that I've never seen before. The account information stated I opened an account XX/XX/XXXX connected to address that's not mine with charges that are not mine either. I've been living in my current residence since XX/XX/XXXX and had no knowledge of any of these allegations. This account has been affecting my credit and finances negatively and needs to be removed IMMEDIATELY. I've tried disputing this account several times with no success and I do not appreciate lawsuit threats or intimidation.
Product: Credit reporting or other personal consumer reports

XXXX is stating that I owe them XXXX for phone service. I requested information on home internet service and have not activated any service with them. They are reporting that I owe them this money on my credit report. I spoke with XXXX in XXXX and their XXXX  stated they would correct this problem. I recently found they transfered this account to collection and posted it to my credit report. I notified the collection agency to provide with me with an activated account for this money. They will not be able to, I have never activated this account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the response in regards to the inquiries The creditors have been contacted and notified prior to the initial complaint. The creditors noted, and they stated that they have no evidence that I initiated these inquiries, either written or otherwise, and could not provide me with a permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request they be deleted from my credit report. Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically, per section 604 ( a ) ( 3 ) ( f ), a consumer reporting agency may only furnish a report I initiated. No evidence supports I initiated this request, I request these inquiries be removed from my credit report as per section 611 ( 5 ) ( a ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profiremovalle. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX EXPERIAN 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 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
Product: Credit card or prepaid card

on XX/XX/XXXX i contacted XXXX XXXX regarding unauthorized transaction that i had not made. They had no customer representative the time i called before that and instructed i call in the morning. leaving my card vulnerable. i have had a hard time to communicat with them regarding my dispute. i have no business with the merchant who has charged my card for XXXX dollars and an estimate of almost XXXX charges made. XXXX had been notified on the XXXX of XXXX but failed to close my card or issue me a newone. to my knowledge i was under the impression that my card was not useful and i disposed of it. on XX/XX/XXXX and XXXX of 2019 i logged into my account and saw that i had been charged by the same merchant even after i had notified amex about this issue. i called that day and asked why has my money been jeopordized and not taken serious and why i wasnt told that i wouldnt be receiving a replacement or block on my card. that night th representative hung up the call and i was tired just got off work and had no time to call back again. i did call two days later and i went through a confusing process to get to even speak with customer service. they give no option to speak to anyone even when pressing 0 so i choose the stolen card option but only sends me to general customer service agent and i have to explain and be verified just to be told the dispute department is closed and call during business hours. i filed a compaint with the XXXX XXXX XXXX XXXX and was advised to file a rebutta but i received last night on the 45th day a denial until XXXX pm. stating via email i have been rejected fof my dispute and to call customer service for copies. i had requested document statements and i never receivee them. i need help to get this to thr right depsrtment they took almost XXXX estimated dollars that i have been robned for