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

I filed a dispute with Equifax on behalf of number of inquires that have appeared on my credit report, I have sent out dispute to the company 's as listed and some have came back as not deliverable, Equifax responded with verified but didn't disclose how or what was used to verified with, confirmation # XXXX under 15 us code ss 1681b ( a ) In generalSubject 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, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to  whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to  review an account to determine whether the consumer continues to meet the terms of the account. 
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. 
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the  consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and
Product: Credit reporting or other personal consumer reports

I have called and talked to Trans Union and I have asked them to remove some hard inquiries off of my credit report because they were identity theft they are from XX/XX/XXXX through XX/XX/XXXX I have made a police report. I have constantly been asking Trans Union to remove these hard inquiries now Im stepping in and coming to you guys. I am a victim of identity theft.
Product: Credit card or prepaid card

I reached out to Bank of America and made them aware that the credit card was established fruadulently without my permission I have no knowledge of this account and never gave any one permission to establish this account in my name I also sent them supporting documentation and this item still remains on my credit report
Product: Debt collection

A jewelry company called XXXX 's XXXX in XXXX XXXX, CA stole my identity while I was XXXX XXXX military.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1996 SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute and request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically with regard to the reporting practices of XXXX XXXX XXXX . The violations I have experienced have had a profound impact on my life, and I implore the Consumer Financial Protection Bureau ( CFPB ) to intervene on my behalf to rectify this situation. 

For too long, I have endured the unjust consequences of an inaccurate and unverified item on my credit report, which bears Account Number : XXXX and is associated with XXXX XXXX XXXX. Under the FCRA, I understand that this disputed item should not persist on my credit report if it can not be substantiated with credible evidence. I refer to the following specific sections of the FCRA that have been violated : Section 611 : Procedure in case of disputed accuracy ( 15 USC 1681i ) Section 623 : Responsibilities of furnishers of information to consumer reporting agencies ( 15 USC 1681s-2 ) I have taken every possible measure to address this issue with XXXX XXXX XXXX, yet the burden of this unresolved dispute continues to weigh heavily on my financial well-being and my prospects for the future. I have struggled to secure favorable interest rates for loans, missed out on housing opportunities, and faced unnecessary stress due to the uncertainty caused by this unjust reporting. 

I implore you to consider the emotional toll this situation has taken on me and my family. As a result of this unverified account, I have been unable to provide my children with the stable home they deserve. We have been forced to live in a neighborhood that does not provide a safe environment, impacting their growth, education, and overall quality of life. 

The emotional distress I have experienced is immeasurable. Each day, I am reminded of the detrimental impact this inaccurate reporting has had on my life. My family 's dreams of financial security and stability have been shattered due to the negligence of a creditor 's reporting practices. 

In light of the aforementioned violations, I kindly request that the Consumer Financial Protection Bureau exercise its authority to enforce my rights under the FCRA. Specifically, I urge you to take the necessary steps to ensure that the unverified account associated with Account Number : XXXX from XXXX XXXX XXXX is promptly removed from my credit report. This action will not only provide me with the relief I so desperately seek but also serve as a beacon of hope for countless individuals who find themselves entangled in similar circumstances. 

I humbly await your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will use its influence to restore fairness and accuracy to my credit report. I thank you in advance for your understanding, compassion, and dedication to upholding the rights of consumers. 

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

Capital One has violated my rights under the FCRA, Acct. XXXX 15 U.S. Code 1681 section 602 A. States i have the right to privacy. 15 U.S. Code 1682 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for ANY purpose. Capital One is committing fraud by furnishing my private nonpublic information on my credit report without my consent. This information needs to be removed immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent {$500.00} through Zelle to a scam artists account. The account was enrolled as XXXX XXXX. Then, later that same day I sent another {$500.00} to an account enrolled as XXXX XXXX. The scam artist then told me to call my bank, XXXX XXXX to reverse the payment because it was under review. I ended up sending {$500.00} to an account enrolled as XXXX XXXX. The scam artist had hacked my fellow coworkers cousin account and posted listings onto facebook marketplace about a used car. The scam XXXX was using my coworkers cousin account to talk to me and put those listings up. I called XXXX XXXX and submitted a claim. They denied my claim and did not even ask me to provide evidence. I have not received money since then.
Product: Credit card or prepaid card

We discovered pending fraudulent charges on our account ( USAA ) on the morning of XX/XX/. We immediately contacted the credit card company and gave them the information. They went through our recent charges and had us agree which ones were real and which ones were fraudulent. There were four fraudulent charges. They said they would be flagged and removed and cancelled our card and requested a new one. Since the charges were pending we were told they would just drop off and not go through. Well, two days later the two smaller charges dropped, but the two larger ones ( total about {$1600.00} ) were allowed to go through. We called again right away because our bill is due tomorrow, and we didn't know how much to pay because of what was going on with these charges that never were supposed to have posted in the first place. They told us that the person we talked to " accidentally '' didn't flag those two. We asked that they be removed right away so we didn't have these charges showing, have to pay interest on them, and so we would know how much to pay them since we pay the card off every month. They said they couldn't do that. I asked to speak to their " complaint department '' ( or whatever it is called- they told me they had a department when I asked ). They said they couldn't transfer me without me giving them my " account ID ''. I said " what are you talking about? What account ID? I don't even know what that is. '' I asked if it was a password. The operator said " no ''. Then I said " I don't know what ID you are talking about ''. And she just kept asking for my " account ID ''. I said I don't have that and don't even know what it is but am happy to prove my identity with whatever questions they wanted to ask. This went back and forth for a minute until I ended up just ending the call. They refused to let me talk to their resolution people once they admitted they " forgot '' to take off the charges and I was stuck with them until after my bill was due.
Product: Debt collection

About a year ago, after pulling my CREDIT REPORT, I realized multiple unknown accounts on it. After doing my own research, I realized that I needed to file an identity theft Police report, so I did. Then my next step was to notify the credit Bureaus that I was a victim of Identity theft, a few months went by and I got my credit report fixed. 
I, recently received a collection letter from CREDIT CONTROL LLC, trying to collect an alleged debt with an alleged current creditor name : XXXX XXXX XXXX XXXX XXXX, alleged account Credit Control # : XXXX with an alleged balance of {$480.00}. I did not even know where this account is coming from, I am definitely sure that this account does not belong to me. I am also attaching a copy of Identity theft Police report that I filed on XX/XX/2018, regarding an issue with identity theft.
Product: Credit card

My niece XXXX had used credit cards and XXXX XXXX calls everyday 3 or more times a day.we have told them she is XXXX and we will work on these when we can, That she will be XXXX for 2 years.but they keep calling.them and kohl 's department store.they both call all the time.I had a payday place call me and tell me that I had taken out a loan XX/XX/XXXX and here it is XX/XX/XXXX and I was upset because I did not take out any loan how could I when I had no job.
Product: Debt collection

On my credit show a debt collection open XXXX  XXXX 2020 for the amount of XXXX
Product: Credit card or prepaid card

XXXX XXXX consistently sends me offers in the mail to apply for their credit card ( partnered through CHASE ). Each offer shows an amount of new bonus miles that can be accrued if we fulfill the purchase obligations within a specified timeline. The nature of this offer was the most prominent part of the credit card offer. 

In XX/XX/XXXX I received such an offer, which clearly stated an offer number specific to my name and Southwest Rewards number. It also clearly stated a deadline for the offer to be valid. I applied, and when I was sent my card and approval Terms & Conditions, there was NO mention of the original offer of bonus miles. I called both XXXX and CHASE to request written confirmation of the bonus miles, and neither side could provide it. XXXX even stated that I didn't qualify for this offer at all, which was totally incorrect as the letter sent to me stated I did. 

Neither XXXX or CHASE would confirm the initial offer and neither would take any responsibility for ensuring the original offer of bonus miles would be attached to this card. I spent 2-3 days via calls and electronic communication and the further I went, the more suspicious and misleading it got. 

I ultimately elected not to activate the card and terminated the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to all 3 credit reporting bureaus ( TransUnion, XXXX, XXXX ) stating that they are not complying with my written dispute requests that I have submitted. I mailed letters on XX/XX/XXXX that describes my first initial disputes, its been over 30 days and I havent received a response. I mailed them a second set of letters on XX/XX/XXXX to comply and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : {$6500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 I mailed out a letter requesting verification and a notice was sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

I will attach the letter below.
Product: Debt collection

I received a response to my last complaint that I put in on XX/XX/XXXX. And the response is false information as I reached out the Company today XX/XX/XXXX, and there is a balance with them for {$180.00} still in collections. The response stated that there is nor further amount due. I have also spoken to XXXX on numerous occasions prior to contacting Linebarger Goggan Blair & Sampson, LLP to see if my dispute has been sent to them and on all occasions, which were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, they have told me they have not received any disputes from Linebarger Goggan Blair & Sampson , LLP, on my behalf. When I tried to settle the debt with them due to the toll notification being sent to my previous address, they explained they could not assist me due to the matter being sent to collections. They have also mentioned that numerous people have the same issue with this very same company. There are a lot of different factors involved in changing duty stations and failing to update my address registered with the DMV is an assumption of inaccurate information. I was in the process of registering my vehicle when the tolls were incurred because I had since then also changed my license plates. I do not appreciate the manner in which this company is handling my disputes especially since I am an XXXX XXXX Service member serving my country.
Product: Money transfer, virtual currency, or money service

Ive requested multiple refunds for scam or fraudulent services that ultimately led to the transaction being null and void as well. Ive requested multiple refunds and have not gotten the protection I need from my bank
Product: Mortgage

I paid off a mortgage loan in 2006. The lender did not file a lien release. I am trying to sell my house now, and can not ; due to the lien. I am having trouble wit Bank of America getting the lien released. I have sent them copies of the payoff check, my settlement statement and XXXX overnight receipt. I am getting the run around on the lien release! 
Original property address is XXXX XXXX XXXX, XXXX, NE XXXX
Product: Credit card or prepaid card

I made a purchase from XXXX aroundXX/XX/XXXX, the Item was then cancelled and returned, contacting my local XXXX, they even confirm that the product has been returned, and Chase refuses to resolve. They accepted a delivery to the store as proof that I picked up, when the only thing that proves is the store received the product. Chase could have went into more detail and contacted the local store, or requested a receipt with my signature as proof but instead just sided with the merchant. 

There is still no proof I have received the product, and contacting the local XXXX they will confirm that the tires have never been picked up. 

The issue is mainly with XXXX, with Chase not doing their due diligence.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I confirmed the alleged debt with the original creditor ( XXXX XXXX XXXX ) but the representative was unable to locate the account. XX/XX/2023 I submitted a complaint to the XXXX XXXX XXXX about XXXX XXXX XXXX ( XXXX ) stating that I did not enter into an agreement with the company. XX/XX/2023 XXXX and XXXX adjusted my credit report and removed the collection from my account,. XX/XX/2023 I submitted a dispute with Transunion about the inaccurate report concerning XXXX in which I stated that I did not enter into an agreement with the company. XX/XX/2023 Transunion closed the dispute. Transunion stated that XXXX confirmed the information was ACCURATE. Transunion has not thoroughly investigated the debt ; it has caused tremendous hardship financially and emotionally.
Product: Credit reporting or other personal consumer reports

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( XXXX ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to XXXX its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and again, on XX/XX/XXXX, I have written to Experian Credit Reporting Agency and requested they update the incorrect names and addresses they have listed on my consumer credit report.I have provided State of Florida photo identification, tax and other documentation attesting to my name and address. I have never used any aliases or lived at any other address, then the one ( 1 ) I live at : XXXX XXXX XXXX, XXXX, Florida XXXX. They have multiple names and addresses listed for me which are incorrect. Dealing with them, has been nightmarish. An effort in futility! My name is XXXX. XXXX XXXX. I have never used any other name, for any reason. Nor have I lived at any other address other than the one I mentioned above. I want Experian to delete the inaccurate addresses and names. Then mail me an updated copy. Thank you, XXXX XXXX XXXX.
Product: Debt collection

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

The item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX, XXXX. XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Checking or savings account

I have checked my funds daily and immediately prior to purchases by the banks app to ensure funding is available. On the morning of XX/XX/2022, the bank said my " AVAILABLE FUNDS '' were {$50.00}. I made three purchases that day. {$6.00}, {$12.00}, and {$21.00}. The sum of these purchases is {$40.00}, below the AVAILABLE BALANCE of {$50.00}, as documented and shown by my banking digital statement. Even currently, when looking at the bank digital statement, it shows the ONLY actual purchases made that day to be these three transactions. Yet Truist bank charged 3 overdraft fees for {$36.00} for all three transactions. When questioned, they state a recurring charge which was deducted from my account of XX/XX/2022 ( the following day ) caused the account to overdraw. They can not clarify why the statement says that transaction, showing cleared and finalized the following day is causing the penalty to occur THE DAY BEFORE. When I called the representative, and the eventual supervisor, I was rudely and promptly disconnected when I made the correct assertion that this bank had misled me, and then stolen the overdraft fees. The supervisor was rude, and unhelpful.
Product: Money transfer, virtual currency, or money service

We used Paypal to purchase a XXXX XXXX with a white oven door in XXXX of XXXX. We received a stainless steel stove with no white oven door. We contacted XXXX XXXX, and they issued a small refund and told us they would be shipping the door. That conversation took place in XXXX. They have not shipped the door as of XX/XX/XXXX. XXXX XXXX has knowingly committed fraud and shipped us an item that was not as described. Paypal remains complacent in the affair as well. We filed a buyer dispute, and Paypal asked us to return the item. This is a freight item, mind you. 

We deserve our money back, and XXXX XXXX needs to make arrangements to either ship us the door overnight or pay for return shipping and arrange a freight pickup. 

Paypal is insanely asinine to have come to such an inefficient resolution. 

I sent photos and documentation to prove we did not receive what we ordered. Now Paypal has not given me the buyer guarantee that they advertise. 

Paypal knowingly helps others commit fraud.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.