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

I believe that all 3 credit bureaus, XXXX, TransUnion, and XXXX for many years have wrongfully given my personal information to many third party companies, as well as a company called XXXX. which in part has kept me from getting credit while applying for certain jobs, as well as credit cards and loans. And I've received many emails from companies that I've never ever applied to for anything, so where is could they get this information from!!! If I've applied for loans, credit cards as well as jobs, all responses have been denied do to poor credit. these dates go back to XXXX plus years or more. XXXX - XXXX I've also reported before to the Bureaus about Identity theft to no avail.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XX/XX/XXXXalleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law on my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX : XXXX To Whom It May Concern, I am writing to formally address the unauthorized reporting of fraudulent accounts on my consumer report due to identity theft. Your failure to properly verify and correct this information is in violation of the legal requirements set forth by federal law. 
Violation of 15 USC 1681b ( c ) Furnishing Reports in Connection with Unauthorized Credit or Insurance Transactions According to this statute, a consumer reporting agency is prohibited from disclosing records of inquiries related to transactions not initiated by the consumer, unless explicitly exempted by law. 
Immediate Action Required : The following fraudulent inquiries, stemming from identity theft, were not initiated by me and must be removed without delay : Inquiry : Identity Theft and Federal Law Compliance Under 18 U.S.C. 1028A ( Aggravated Identity Theft ), using another person 's identifying information without lawful authority during a felony constitutes a severe offense, punishable by imprisonment. The existence of unauthorized accounts on my credit report constitutes clear evidence of identity misuse. 
Permissible Purposes of Consumer Reports Under 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies may only provide consumer reports with written consent from the consumer. This standard has not been met in my case. 
Ensuring Fairness and Accuracy As per 15 USC 1681 ( Fair Credit Reporting Act ), consumer reporting agencies must uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. 
List of Fraudulent Accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Pursuant to 15 U.S. Code 1681c2 Block of Fraudulent Information I demand that, as stipulated by law, you block the reporting of the fraudulent information in question within XXXX business days of receiving this correspondence and the attached supporting documentation. 
Enclosed Supporting Documents : Copy of government-issued ID Proof of address ( utility bill ) Copy of Social Security Card Official FTC Identity Theft Report Updated Report Request I request an updated copy of my corrected consumer file, as entitled under 15 USC 1681c-1 ( 2 ), which provides consumers access to free reports when fraud alerts are involved. 
CC : Bureau of Consumer Financial Protection ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX  ) Attorney Generals Office ( State of Pennsylvania and respective state of each bureau ) Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Enclosures : Copy of ID Utility bill Copy of Social Security Card FTC Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I received a notification from XXXX XXXX. It said I had a new report on my credit. Upon further investigation, I was about a hard inquiry that I didn't not apply/inquire about. 

It was by XXXX XXXX. The inquiry was for a National Credit Cards/Airlines account. Supposedly the inquiry was made XX/XX/XXXX. 

I did not apply for this, I do not know what this is. 

XXXX XXXX provided me with a link to call XXXX XXXX and have this taken off my account. 

I had first called the number provided at XXXX XXXX., XX/XX/XXXX and talked to a representative. He said I didn't have an account, therefore, he didn't have further instruction or ability to help me because there was supposedly nothing to look into. 

He ( XXXX rep ) said I needed to contact XXXX  XXXX, so I sent XXXX an email to their support on XX/XX/XXXX at XXXX XXXX. Once I found out numerous people have never received replies, I figured I could call TransUnion , seeing how that was the bureau that the inquiry was reported under. 

I called TransUnion XX/XX/XXXX at XXXX XXXX 
The representative gave me instructions for how I can get this taken care of, she even provided me a file number : XXXX XXXX XXXX. 

She instructed me to request a form/letter of release to be sent to my address. Which I would then have to send to TransUnion 's XXXX. XXXX  in XXXX, PA along with my letter of authorization. 

I called XXXX XXXX a second time, XX/XX/XXXX, at XXXX XXXX I talked to a different representative, and he stated that this inquiry from National Credit Cards/Airlines was not affiliated with XXXX XXXX. It has no relation to XXXX XXXX, and they don't know why it would be on my credit. 

He also stated that XXXX XXXX has said that this was a common error, and they tell customers to call XXXX XXXX. He could not send me a letter of release because according to him, if I don't have an account with them then there is nothing to release. 

So then why would this be reporting on my credit report stating to be coming DIRECTLY from XXXX XXXX? It makes no sense. 

Therefore, sticking me into a vicious cycle of contacting whoever the last person told me to contact. 

After various short phone calls, I have no patience to wait months before realizing XXXX XXXX will never respond to me, and if they did, they would just tell me to contact XXXX XXXX  and the cycle continues. 

I did independent research and found someone who had that exact same problem as me, and this was the method he said worked for him. 

I need to file a complaint with XXXX XXXX, to take that report off of my account because that's exactly what they did for the man who shared this method to the internet. 

I need to file a complaint with XXXX XXXX. 

And I need to file a complaint with TransUnion. 

I need my credit protected. I will be having my first child this year, and I need a house, and I can't get one with my credit sinking because a fake company wants to take money from me. 

Any help would be appreciated.
Product: Credit reporting or other personal consumer reports

Applied for a home Equity Loan through XXXX XXXX XXXX XXXX XXXX. WHen the ran our credit report, Equifax released our information out to every lender in the US without our permission. Have received numerous unsolicated phone and text messages.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I called regional acceptance about receiving a 10 day payoff letter because I was refinancing with a credit union. I also made my last payment of {$370.00} on the same day as well. I was supposed to receive my check by mail on XX/XX/XXXX, XXXXIt has been over 3 weeks now and I still havent received my check. Ive called them multiple times and got the same excuse that they already sent it out and that its nothing they can do.
Product: Debt collection

I have received calls from multiple debt collection agencies, most recently " XXXX '', on behalf of " Citibank '' for " XXXX ''. I have no accounts, nor have I ever had accounts with XXXX. I have an account in good standing with Citibank with a XXXX balance. The collectors give my name and call my cellphone, but they do not have my address and they give a different social security number and age/birthdate. This is clearly a different person they are looking for. I am not sure where they obtained my cellphone number. I have been explaining this for several years now. I would like this to stop.
Product: Credit card

credit card for {$600.00} i never used or had from chase bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working on my credit for a couple of months now because I plan on using my certificate of eligibility from VA to purchase my first home. Once I received my initial credit reports that I requested, I noticed that XXXX XXXX ( previous lender ) had charged off the balance of my car loan. I've tried using the dispute process at no avail. My car was originally totaled out by XXXX XXXX XXXX XXXX back in XX/XX/2019. At the time my XXXX XXXX was determined a total loss I owed {$20000.00}. XXXX determined the value at the time of loss was {$10000.00}. This left a hefty balance of {$10000.00}, however I wasn't concerned because I had purchased GAP insurance at the time of my car purchase that covered a maximum of 150 % in case of total loss and I also purchased an extended warranty. XXXX paid their portion. I filed a claim with XXXX XXXX XXXX, XXXX XX/XX/XXXX for my GAP claim and also reached out to XXXX XXXX ( where I purchased the car ) to file a claim for the refund of my extended warranty. After a couple of weeks, XX/XX/XXXX ( GAP ) had sent documents on how much they were sending a check out for ( {$7300.00} ) leaving still a remaining balance of {$2700.00} however, this included an " in house estimate '' for my extended warranty. Upon reaching out to XX/XX/XXXX customer service I was informed that once XXXX XXXX received the actual amount from the extended warranty if their estimate was incorrect, contact them back and they would pay the difference. In the end, the initial " in house estimate '' was incorrect. I reached back out to XXXX and they ask that I request a copy of the check sent from the extended warranty or payment leger proving how much was actually paid so they could adjust the payment and send out a check for the balance. I reached out to XXXX XXXX on several occasions to get this documentation so my balance could be cleared. The last person I spoke with was XXXX XXXX a loan administrator for XXXX XXXX who initial contacted me about setting up a payment plan for the balance. I informed her of the issue I was having surrounding the balance. I was told that she would submit a request for the information I was requesting and I never heard anything back. I reached out again recently and left a message explaining the urgency and I still have yet to hear back from the company. It is unfair that I now have a malicious charge off on my credit report that I did not deserve. This is negatively affecting my purchasing power for my first home. I did everything I could do to insure this company got their money and they dropped the ball. I should not be punished because they did not do their job. A simple copy of the warranty check would have resolved the issue in its entirety. Your assistance in this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I've attached two images of two different credit reports : one from XXXX and the other from TransUnion. As per the Fair Credit Reporting Act, it's imperative that their information is accurately and promptly updated. 

Let 's address the discrepancies : XXXX. XXXX Account : ** It reflects the account is in good standing with no late payments reported. However, on the other report, late payments are indicated, albeit the account is still marked as open. This account was closed and fully paid. I have requested this information to be updated to reflect the accurate status. 

XXXX. XXXX XXXX XXXX  Account : ** This account was initially reported by XXXX XXXX XXXX in XX/XX/2023 with a credit limit of {$300.00}. 

Ensuring the accuracy of these details is crucial for upholding the integrity of my credit reports. This account has never been late, and it is currently closed with a XXXX balance. I have requested that any erroneous late payments be removed from my credit report and that the information be updated accordingly.
Product: Checking or savings account

Direct deposit never received, yet my company has released the funds for my paycheck. My account is in the negative and now I am locked out of my account for the next 24 hours because I have gone into my app too many times to check to see if the funds are in there. Capital one has given us no updates leaving so many of us in the dark.
Product: Checking or savings account

Good afternoon, On XXXX, I applied online for XXXX XXXX XXXX account. After applying, I tried to access the " return to application '' link to create ID and password. However, it kept erroring out after inputting XXXX  digit code received to verify my application. I have called multiple times to get status of the online access and account opening confirmation. The account application was successful according to the multiple representatives I have spoken to. Its been over a month not and yet I have not been able to access my account. Each time I was given reason of " engineering team is looking into my issue. '' One time, I was even asked to send screenshot of the error to their email address, but nobody has replied to that. 

I opened this account under promotion of {$500.00} when you do {$2500.00} in XXXX deposit. However, I still can not access my account. This is unacceptable as I have limited time to complete an account promotion for which I applied before XXXX XXXX updated the terms of promotion. I feel like I will run out of the time before I could complete the promotion due to XXXX XXXX 's inability to fix the technical issue.
Product: Debt collection

ABC Financial Services Inc. comm itted credit card fraud by charging my credit card for services not authorized by me. This company uses unethical collection practices and abuses customers by charging small amounts over time that typically go unnoticed. This company should be shut down.
Product: Checking or savings account

I attempted to withdraw {$300.00} from my account at a Wells Fargo ATM. The transaction completed but the cash was not dispensed. I called to file a claim, request my money back, spoke to the bank manager at a local branch plus talked to numerous departments at Wells Fargo and was told by all that it would need to be investigated and would take 10 days. The bank even sent me an email noting that there was an error during my most recent ATM transaction. When I was on the phone with Wells Fargo, no one could assist me with replacing the {$300.00} or accelerate the resolution. I am now without {$300.00} and dont know if I will even get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit accounts are showing different scores an accounts that were removed are showing up on others I just want it to all read correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX/2021 XXXXXXXX XXXX/XXXX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX  and XXXX  XXXX have reported information that is incorrect and not mine. According to FCRA section 605c it is illegal to report information on my credit report without my permission. Please remove and delete from my credit report. Thank you.
Product: Credit card

A couple months ago, I was completing a transaction online and using my PayPal account was an option. As part of the checkout process, I was asked for my name and birth date. I thought they were updating their records. I came to learn they were issuing me a credit line for {$5000.00} through PayPal Credit, which I did not want. I was annoyed by this, but not enough to do anything. Instead, I resolved never to use it. I would opt out in favor of the credit card they had on file. XXXX day, about a month ago, as I was signing into my PayPal Account to complete another transaction, I was automatically checked out with PayPal Credit for {$15.00} and some change! I was not given the option to opt out. I paid it in full, contacted them immediately and told them that their lending practices were deceptive and predatory and that I wanted them to cancel the card. Instead, they sent me a return email, asking me to contact them to discuss the issue. I called on XXXX and cancelled the card. 
I consider myself fairly savvy and for this to happen to me means that it could happen to anyone. Basically, PayPal Credit co-opted a portion of my good name and credit without my knowing it. Now, I have to take a hit to my credit score for closing the account. 
I understand that they were fined {$25.00} XXXX in the spring for this kind of behavior. There are those who do n't think it was nearly enough! That is apparently the case, as I am living proof that the practices for which they were fined continue.
Product: Credit card

I purchase a set of furniture from XXXX  in XX/XX/XXXX and the sales rep told me to apply for credit from Acima who will automatically enroll me in a 3 months autopayment which i agreed. I was told auto pay will start in XX/XX/XXXX but to my surprise it started in second week in XXXX. I also made initial payment at the store at the time of purchase. An amount of {$300.00} was set up by ACIMA and was being taken from my account bi-weekly to make up for the {$3100.00} I owed them. Acima withdrew money via auto pay biweekly from mid XXXX to mid XXXX successfully. After 3 months i noticed i was being charged so i called Acima and they told me i still owe {$5000.00} because i did not pay the {$3100.00} within 3 months. 
I explained to the Rep, Acima enrolled me in auto payment and they came out with their fixed amount 0f {$300.00} to be charging for 3 months. Also, i made some payment at the store and Auto pay was to start in XXXX not XXXX. I was also made to understand at the store setting up for auto pay was the best option to avoid payment default and late fees. i have never defaulted on my payment unless Acima can prove otherwise. ACima deliberately charged me less in order for me to make two additional payments after 3 months. That will mean i did not finish payment within three months so i have to pay {$5000.00} as penalties. Their actions can be linked to a " confident tricksters '' who read in between lines to exploit people. How do u set someone up with an amount to pay within 3 months then it exceeds the duration?
Product: Bank account or service

An unauthori zed Personal Line of Credit was opened by Wells Fargo. The y were contacted, admitted fault over phone, closed account, and opened another unauthorized line of credit. It is char ging 8 percen t interest and deducts {$65.00} out of my account automatically without authorization.   They have been contacted over the phone and in writing but will not resolve the problem.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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: Student loan

I submitted a complaint back in XX/XX/2023 regarding my loan payment amount. I was shown one amount online and then told something different. Nothing matched up. Someone from corporate contacted me saying they received the complaint but never followed up. For months, I kept calling speaking with various representatives and no one told me the same thing or could answer my questions. They just kept saying that the payment is what is it. XXXX late payments were reported on my credit and when I called to ask why they told me it was an error and to contact the credit bureau . How do you make that type of error? It still has not been fixed 3 months later. I applied for the Loan Modification in XX/XX/2023 and my payments were reduced for 6 months but once the XXXX month hit it was back to square one. My payment went back to the original amount and I called and called. Again, no answers. The payment is just that amount is what I was told. Fast forward to this year, I keep calling to let them know how I am unable to afford an almost {$2000.00} a month payment and they tell me to try to refinance. As mentioned above, because of the excessive amount of late payments I'm now unable to refinance. I truly feel as though I am out of options with this loan provider.