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

I am writing to you regarding my credit report because I recently checked it and found accounts that are not mine. I do not understand how these items appeared in my credit report. However I filed identity theft report because I know that probably someone used my personal information or its error in reporting. Pease I ask you for some help! Could you please investigate the accounts in my profile and find out what exactly happened there. In case you find who did it please remove the items.
Product: Credit reporting or other personal consumer reports

Instances of reporting unauthorized activity have occurred multiple times. It is crucial to remove any unauthorized items within four business days. This process requires providing adequate proof of identity, submitting an identity theft report, identifying relevant details, and confirming that the activity is unrelated to any of my transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I made a payment for the past due amount of {$200.00} on last week & Capital One/Kohls hasnt posted the payment. As a result this has lowered my credit score & escalated my utilization. This error needs to be corrected immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE TO COMPLAINT # XXXX UPDATE TO COMPLAINT # XXXX UPDATE TO COMPLAINT # XXXX UPDATE TO COMPLAINT # XXXX TRANSUNION IS IN WILLFULL NON COMPLIENCE IN DIRECT VIOLATION UNDER THE FCRA AND ITS GRAVE DUTIES WHICH CONGRESS DEMANDS THEY EXCERCISE. TRANSUNION IS DEMANDED BY CONGRESS UNDER THE FCRA 15 USC 1681a ( 1 ) ( 2 ) TO EXCLUDE SPECIFIC INFORMATION FROM A CONSUMER REPORT. TRANSUNION HAS BEEN PLACED ON NOTICE TO EXERCISE THEIR GRAVE DUTIES WITH FAIRNESS, INTEGRITY AND RESPECT TO THE CONSUMER AND REMOVE DEMANDED SPECIFIC INFORMATION FROM MY CONSUMER REPORT ( Kennedy v. Chase Manhattan Bank USA, NA ). TRANSUNION HAS INSTEADED STATED THEY CONDUCTED A REINVESTIGATION ( not requested btw and bias ) AND HAVE VERIFIED THE INFORMATION BY CONTACTING THE ALLEGED CREDITORS.THIS IS A FRUAD INVESTIGATION ( Henson v. CSC Credit Services Docket. Cf. Pinner v. Schmidt, 805 F.2d 1258 ( 5th Cir. 1986 ), cert. denied, 483 U.S. 1022, 107 S.Ct. 3267, 97 L.Ed.2d 766 ( 1987 ). TRANSUNION HAS BEEN PUT ON NOTICE AND DEMANDED TO PROVIDE UNDER FCRA DEFINITION OF " INVESTIGATIVE CONSUMER REPORT '' THE NAMES AND ADDRESS OF THOSE PERSONALLY INTERVIEWED TO VERIFY SAID INFORMATION. TRANSUNION HAS BEEN DEMANDED TO PROVIDE LEGAL EVIDENCE THAT SHOWS THEY DO NOT HAVE TO PERFORM THEIR GRAVE DUTIES UNDER THE FCRA AS CONGRESS DEMANDS AND DISREGARD 15 USC 1681a ( 1 ) ( 2 ). TRANSUNION HAS INSTEAD NOT RESPONDED TO MY CFPB COMPLAINT THROUGH THE CFPB BUT INSTEAD SEND ME MEAIL STATING THEY WERE NOT ABLE TO FIGUERE OUT THE NATURE OF MY REQUEST. TRANSUNION IS NOT EXERCISING THEIR GRAVE DUTIES WITH RESPECT AND INTEGRITY TO THE CONSUMER AND IS CONDUCTING UNREQUESTED BIAS FRAUD REINVESTIGATIONS AWAY FROM THE REQUIREMENTS OF CONGRESS AND FCRA!!! I FEEL ABUSED, DISRESPECTED AND IGNORED!!!!
Product: Debt collection

My information was stolen and was used without my knowledge. Ive been harassed about this collection and been threatened by email and phone calls. According with the fair credit reporting act convergent account and has violated my rights. U.S.C 1681 section A. States I have a right to privacy. U.S.C 1681 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. U.S.C 1666B : A Creditor may not treat a payment on a credit card account under end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report per a recent credit denial, I noticed several unauthorized inquiries that were showing on my Equifax credit profile. As such, I am hereby demanding for the following offending unauthorized inquiries listed below to be immediately deleted from my credit report : XXXX. XXXX XX/XX/22 XXXX. XXXX XX/XX/22 XXXX. XXXX XX/XX/22 Please remove this offending unauthorized inquires from my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX XXXX The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Checking or savings account

I bought a car for {$12000.00} and never received it. I called the bank to dispute the charge and they said the woman sent in necessary documentation stating I did receive it but the documents were fake & Ive taken her to court since. I dont feel bank of Americas which was my bank at the time actually took the time to investigate the matter and still to this day XXXX havent received my money back.
Product: Mortgage

My mortgage balance was incorrectly reported on my credit report. My report says {$500000.00} but my statement on XX/XX/2023 and the account information online as of today says {$500000.00}.
Product: Credit card or prepaid card

The fraud was done at Virginia XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I brought a recent credit card statement for my bank card on XX/XX/XXXX. On XX/XX/XXXX there were charges to my card in the amount of for {$98.00}. My bank card was charged {$98.00} six times. My bank statement was scanned in the XXXX XXXX XXXX XXXX system and immediately returned to me. The hacking occurred either internally or externally in the XXXX XXXX XXXX XXXX data base. I was there from XXXX XXXX to XXXX. I was seen at XXXX, I have not made any purchases in the credit card since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit report contains false and misleading information in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). Specifically, the report lists the bankruptcy court as the furnisher for an account, which is forgery and misleading since bankruptcy courts do not furnish information to credit reporting agencies. 

I contacted the courts in my state, and they confirmed they do not provide any data to credit reporting agencies. This means the reporting agency has committed fraud by misrepresenting the bankruptcy court as the furnisher for this account. 

Details of the violation : XXXX XXXX XXXX : A data furnisher is any entity that reports information about consumers to consumer reporting agencies ( CRAs ), including credit bureaus and tenant screening companies. Bankruptcy courts are not considered data furnishers. 

Violation of 15 U.S. Code 1681s-2 : Despite multiple disputes, the so-called furnisher ( the bankruptcy court ) has never reached out to me, which confirms they have no involvement in this report. This shows the information is false and the reporting agency has been lying about its accuracy. 

Failure to Notify Dispute : Under 15 U.S. Code 1681i ( 2 ) ( A ), the reporting agency is required to notify the furnisher of a dispute within 5 business days. The agency failed to do this and continued to falsely list the bankruptcy court as the furnisher. 

Account in Question : Bankruptcy - XXXX This account is reported inaccurately under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). The reporting agency forged the bankruptcy courts name as the furnisher, which is fraudulent. This account should be immediately deleted. 
I demand that this item be removed from my credit report immediately. If no action is taken, I will proceed with legal action for forgery, fraud, and violation of my consumer rights.
Product: Money transfer, virtual currency, or money service

I would like to express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I use Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card

I was sent a billing statement by Chase for my XXXX credit card for a balance of $ XXXX. Before the stated due date on the statement, I paid not only the entire balance from that statement, but also covering the few purchases from the current billing period. Once the payment pasted, by balance reflected {$0.00}. This payment posted and the balance showed {$0.00} before the stated due date, let alone before the account cycled for the following month. To my surprise, I checked my balance about a week later and saw an interest charge of $ XXXX. Confused as to how I was charged interest on a {$0.00} balance, I contacted Chase and they advised it was the interested that had accrued on the balance that was carried over from the previous months balance. The logic of this is simply ridiculous. Essentially what that means, is that it is quite literally impossible to pay off your balance in any given month if you had n't paid it in full the previous month. Even if you got a bill and paid it the very next day for the amount on the bill, they would still charge you interest for the time frame from which they sent you the bill to when they received the payment. How is that not horribly misleading? When I brought that point to their attention, they advised me of a piece of verbiage on the statement that says something to the effect of " balance subject to interest ''. 

The main point I 'm trying to make here is that if you send a bill for a certain balance amount and you pay that entire balance before the stated due date, you should not be subject to interest for that particular billing period. 

This is a very misleading business practice and I felt it warranted escalation in this manner. 

P.S. - They refused to waive my fee after I clearly laid out my grievances in multiple cordial contact attempts. However, they did waive my wife 's interest, who was in the exact same situation. Not sure how that happened, but there seems to be a lack of consistency in their fee waiver process.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent account on my report. Please remove these account from my report, its is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

My recent credit report is showing unverified, and unauthorized inquiries as well as collections that I never had a chance to dispute. The inquiry is from XXXX XXXX, the collections are from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. By law I am owed proper credit reporting according to the FCRA. I am requesting debt validation for the collections because I never received written communication. In this debt validation I am asking for detailed list of my history of payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of title to collect on this debt, also asking to see if there had been insurance claims filed on these accounts. With out providing proof these accounts should be removed from Experian, XXXX, and XXXX immediately.
Product: Checking or savings account

From XXXX XXXX to today XX/XX/2021, Santander Bank has charged me 2 overdraft fees {$35.00} each for checks that came in at the end of the day unbeknownst to me, and right before my regular deposits occurred. In fact I was able to deposit money in the bank before XXXX XXXX  when I saw I was going to be short by {$18.00} dollars. Then, and in both cases, checks for {$30.00} each came in from my bill pay account, right before my regularly pension checks come in. We're talking hours before deposits came in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get my credit report from either XXXX or trans union. I have paid for services to get this from them as well and still unsuccessful!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/17 Td auto finance XX/XX/17 Neighborhood XX/XX/17 XXXX Llp XX/XX/17 I didnt authorize the dealership to run my credit to any of these places. After one bank with a high interest rate, I specifically told them I was getting a rate from my bank after the weekend and to not pull my credit from anyone else. They wanted to sell me the car so they sent out my info to all these lenders without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX continue to negatively report my status with XXXX XXXX Bank. I launched a dispute with XXXX XXXX Bank who agreed they were in the wrong in 2019. They corrected the information with XXXX, but Equifax XXXX XXXX are still reporting this negative information even though XXXX XXXX Bank has agreed the issue is null. I have been battling this negative reporting of XXXX XXXX Bank against me for almost 7 years- and I worked with them and PAID OFF the account and this is how I get treated!!! It's time to get this information off of my report!!
Product: Debt collection

My fianc at the time, XXXX XXXX had a co pay to resolve, we were sending payments each month until one day it was sent to collections for some reason, we were unaware that it was sent to collections until I had spoken with someone from QAR Collections named XXXX who informed me that my fiances Doctor submitted this to collections, XXXX was supposed to call me back with a payment arrangement but never heard from her until I opened up a bill asking for full payment. This collection has my name on it and I 'd like to know why they have listed me when this was not my debt, I 'm very disappointed and this is the only attempt they have made. I also do not like how they are threatening us in this letter and I wo n't tolerate it. We will pay this but their terrible collection practices need to be looked into
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to conduct a proper investigation of inaccuracies in my credit report. Despite submitting disputes, Equifax consistently responds within 24 hours claiming the account is accurate without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires reasonable dispute investigations. Additionally, these actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as referenced in the CFPBs recent administrative action ( File No. 2025-CFPB-0002 ) for similar violations. I urge the CFPB to ensure Equifax complies with federal law and provides proof of proper investigations to consumers.
Product: Money transfer, virtual currency, or money service

The company Coinbase advertises {$5.00} worth of bitcoin for signing up. However for me and many other users this money never arrived. Bellow I provide a link to a XXXX post and associated comments from many users of Coinbase for whom this offered reward for signing up never materialized. Many have complained to the company with no satisfactory response. A common reply by the company to this common complaint is to claim that 'the bitcoin is yet to arrive because a users account has not been yet 'completely verified ''. As Coinbase provides Email receipts upon account verification, every user who has not received their promised bitcoin should have evidence to disprove this excuse on the part of the company. {$5.00} may seem a trivial amount, but given the number of users of Coinbase, the sum of withheld crypto is likely large. 

Above Referenced XXXX Thread : https : XXXX XXXX  in this and other relevant threads can likely be contacted through the site/app 's direct messaging feature. 

Have a nice day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Debt collection

I borrowed money from Cash Net USA, the sum of {$450.00} sense that time I loss my job and they new this. They called me several times and I told them my income had dropped tremendously but they kept calling me. Then they started running a check through my account every night until the bank closed my account. I paid out more than {$400.00} in over draft fees which could have been their money but they ran a check through my account every night until I have no account now. I did n't know that my account had been turned over to a collection agency until today when I received a notice from the XXXX. It stated that Cash Net USA had turn my account over to XXXX XXXX XXXX. I have been receiving a lot of calls from credit adjusters over the pass couple of months they call me at lease 3-4 times a week. They ask me for personal information such as my Social Security Number and my birth date and I refuse to give that information. We were told by the Federal Government not to give out personal Information over the phone because you never know who you are speaking with on the other end of the phone. I refuse to give out that information. XXXX XXXX XXXX refused to give me their address instead they started asking me a lot of questions, all I wanted was the address from them and they refused to give it to me instead they asking me a lot of questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016, I paid off an old XXXX bill. Since that time, XXXX XXXX has placed an erroneous charge on my credit report. I have disputed this many times to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX  Inquiry Date XX/XX/2021
Product: Debt collection

I received a notice from Allied International Credit Corp ( AIC ) asking to pay a balance of {$1800.00}. It said an account was referred to their office by XXXX the creditor. It said I must notify their office in writing within 30 days from receiving the notice if I want to dispute the validity of the notice. It also asks to remit a payment to the address of : Allied International Credit Corp XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX It also says payment can be made by signing into XXXX and making a one time payment to bring the account up to date. 
I have not opened an account with XXXX so this debt is not valid. 
I have not notified AIC or XXXX regarding this because I have not opened an account with XXXX so I feel this is fraudulent.
Product: Mortgage

Ocwen Loan Servicing , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Fl XXXX Phone # XXXX XXXX. Approved a Mortgage loan modification of 3.75 % last year. The agreed payment was {$2100.00} per month. When my XXXX bill came my bill was for {$2200.00} per month. XXXX XXXX 2015. They stated they miscalculated property tax and Hazard insurance. As of XXXX 2015, my mortgage payment will be {$2400.00}. They have stated the rate increase is do to {$3500.00} for property tax, {$640.00} for FHA, {$1200.00} Hazard Insurance, *** {$1200.00} for New Loan Setup***I should not have to pay {$1200.00} for New Loan Setup. This loan was taken over without my knowledge by Ocwen. My original loan was with GMAC who went out of business. Why do I have to pay when I had nothing to do with GMAC going out of business and selling my loan. This seems to me as another form of Predatory Lending tactics. 
What is this. jump in tethey have in Know I am being charge s 1 year later they have reone yearXXXXtal mthe loan was finaliz oo on