23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have 2 accounts with the credit cards both of them close I don't understand why still not sure.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA that all XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts and inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I am including the Identity theft report as well as proof. I was also impacted by the data breach.
Product: Mortgage

1. My wife and I, both XXXX, foolishly signed papers pretending to sell our house in order to prevent foreclosure. 
2. We want to clear the title, loan still in my name, resume mortgage payments, now considerably reduced. 
3. Do not include sensitive information like your name, contact information, account number, or social security number in this field. So what " my information '' can I give you? 
4. 2008 $ XXXX mortgage5. Review?
Product: Credit reporting or other personal consumer reports

It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. 
\n When it comes to uploading my documents on your portal, it is difficult for the consumer to upload the pending documents needed to expedite my dispute claim. That is a violation of my consumer rights. I have reported this concern on several occasions. 
XXXX XXXX  Today, I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : XXXX XXXX 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these XXXX credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 
XXXX Or permissible purpose. 
XXXX I have remained humbled despite the stress, abuse, and harm thee XXXX credit reporting agencies have done to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX US DEPT OF EDXXXX XXXX ... XXXX {$12000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX .... Balance : {$2200.00} ; XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX ... XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX .... Balance : {$670.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX Balance : {$7300.00} ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXXXX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. 

I Demand Deletion of items and information plus I demand monetary compensation
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is using Eoscar to put my dispute into a category they claim is someone disputing on your behalf There was no reinvestigation into my dispute nor was there an original investigation. It is there grave duty to report accurate information on my consumer report. My creditworthiness has been severely abused and my ability to obtain credit is hurt. I am trying to get a home and these inaccurate reports have caused me to get denied for a home loan which has caused me financial hardship for my family and extensive emotional distress. The accounts attached to this complaint need to be addressed immediately. Ive also attached proof of address and Identification.
Product: Credit card or prepaid card

I purchased a round trip flight from XXXX, OH to XXXX, XXXX, XXXX. The total cost for two tickets was approximately {$2900.00}. My return flight was scheduled to land in XXXX on XX/XX/2017. However, the airline removed us from the connecting flight from XXXX to XXXX for no reason. We landed on time to make the connection. Then the next flight was delayed since there was no pilot. We did not arrive to XXXX until the next day, XX/XX/2017. I provided documentation to American Express. The merchant provided no documentation regarding terms or conditions as there were no terms to remove passengers from flights or to reschedule landings for a different day. I am requesting {$600.00} credit, {$300.00} for each ticket is more than fair. It took us more than 27 hours for the total trip so we should have not had to pay this amount.
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 have 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 ( Experian ), and XXXX XXXX XXXX, XXXX, 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 e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable.XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I purchased an item on XXXX and the seller never sent the item to me. The seller basically entered and left the post office with the item I purchased. Its highly unlikely the product ever existed. I purchased a UV light during the early stages of the Covid-19 pandemic. Before my purchase I looked at the seller information, the seller was located in the USA, after my purchase the seller was located in XXXX. I was told I have to wait two months the time frame the seller had to make things right. I pointed out the item I paid for isn't being delivered to me. They claimed their hands are tied, rules are rules. Afterwards, I told them the card I used expired. I need to give them the updated information. Paypal told me they can't update the card. They had to send it to the expired bank card. After that they closed the case. Even though I told them my bank wont accept transactions on the old card. I told them other businesses ask me to update my bank card after the expiration date. An example is XXXX. Basically, Paypal believe my money is their money. Its always the run around. Always folks who don't care or understand what they're doing. They've been instructed to steal money while pretending to be customer service.
Product: Credit reporting or other personal consumer reports

I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions. 

Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian, XXXX, and XXXX to notify them of fraudulent accounts, inquiries, and inaccurate information appearing on my consumer report. These accounts and data entries were never authorized by me, and their inclusion has caused significant harm. Pursuant to 15 U.S.C. 1681c-2, consumer reporting agencies are required to delete inaccurate or incomplete information upon notification. I am formally disputing the following : Fraudulent Accounts : XXXX XXXX XXXX, Account XXXX, opened XX/XX/XXXX, balance {$11000.00}. 
XXXX XXXX XXXX, Account XXXX, opened XX/XX/XXXX, balance {$640.00}. 
XXXX XXXXXXXX XXXX Account XXXX, opened XX/XX/XXXX, balance {$140.00}. 

Fraudulent Personal Information : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies, combined with the fraudulent accounts and inquiries, have caused significant mental, financial, and reputational harm. I have filed an identity theft report ( attached ) as well as CFPB complaints regarding the furnishers of these accounts : XXXX XXXXXXXX XXXX XXXX Complaint Number XXXX. 
XXXX XXXX XXXX : Complaint Number XXXX. 

Requested Actions : I formally request the following : Immediate deletion of all fraudulent accounts listed above from my consumer report. 
Correction or deletion of all inaccurate personal information, including names, addresses, phone numbers, employers, and spouse information, to accurately reflect my identity. 
Correction of all late payments associated with these accounts to " paid on time. '' Removal of all fraudulent inquiries associated with these accounts. 
Cease and desist all communication except via mail. 
This reporting activity has already caused emotional distress and financial harm. I request compensation for these damages totaling {$15000.00}, broken down as follows : Emotional distress : {$8000.00} Financial harm : {$5000.00} Statutory damages : {$2000.00} ( estimated at {$1000.00} per error across two errors ). 

If you comply, I will consider this matter resolved and no further action will be taken. If you fail to comply with these demands, I will escalate this matter to federal court and seek higher compensatory damages. All rights reserved without prejudice. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I made a payment of {$2200.00} on XX/XX/2020. This payment was processed the next day, on the XXXX. I received a confirmation email that it was processed. 

My monthly payment is due on the XXXX for an amount of {$330.00}. Today, on XX/XX/2020, my account is saying that my XXXX payment is past due. 

This is un acceptable. I made a very large transaction and it got processed before my payment was even due. Now, six days after that transaction my account is saying I missed a payment. HMFUSA 's  constant mishandling of payments is going to negatively affect my credit score and worthiness. 

I no longer want to work with this company! Please let me pay off my loan in full!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my personal loan with XXXX XXXX XXXX and Equifax has refused to update my loan balance which should be XXXX. Instead the account still shows open with a balance of {$2300.00}.
Product: Money transfer, virtual currency, or money service

I am not able to link my account to an investment app where I need to deposit funds!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against navy federal union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue with the recent CFPB findings against navy federal union regarding for similar practices, where transactions settled with insufficient balance initially available funds.
Product: Debt collection

on XX/XX/2019 my bill for {$320.00} dollars did not go through when it was on auto-bill. I reached to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this collection. I now cant get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX XX/XX/year> Hey Credit Equifax, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation or the tair credit reporting act. 

Account Name : XXXX / Account XXXX : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) Account Name : XXXX / Account Number : XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Thank you for your time and attention! 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Hello, i've tried to get this situation resolve alot of times. i was XXXX  2015 at the time of this collection i was not aware of this. i spoke to a rep and i stated that i was only paying it ( {$610.00} XXXX to get it remove from my credit ( Transworld system XXXX she told me that it will be removed. ive checked and its still there. i strongly believe that i should'nt be responsible for someone using my information. please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX state the accounts are mine that is not true never recived a letter of proof of the debt no records of it just a letter stating they have the information I want them to provide that proof if not these accounts should be rempved from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report, it has come to my attention that Experian is reporting and furnishing information on my credit report that the Fair Credit Reporting Act specifically states needs to be excluded from credit reports. Thus, Experian is in violation of Federal Consumer Protection laws. I have disputed these accounts with reason and proof and have contacted Experian multiple times with no relief. This is my final attempt to resolve this matter before I seek damages in the form of monetary relief, as this incorrect and irresponsible reporting has caused irreparable damages to my name, life and reputation as well as by ability to take part in commerce.
Product: Credit reporting or other personal consumer reports

Dispute of Incorrect Address on Credit Report Dear Experian, I am writing to follow up on my previous dispute regarding the incorrect address listed on my credit report. As I explained in my communication on [ Date ], the following addresses are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
According to the15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by aconsumer, an item of the information is found to be inaccurate or incomplete or can not be verified, theconsumer reporting agencyshall ( i ) promptly delete that item of information from thefileof theconsumer, 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 thefileof theconsumer.
Product: Mortgage

We are ALWAYS current on our payments yet Ocwen continues to call EVERY DAY including SUNDAY to RE-DISCUSS that our payment is changing and that they received our insurance changes and all is well. this was discussed thoroughly with an agent over a week ago yet they keep calling to say the same thing! ENOUGH! 
Caller : OCWEN
Product: Credit card or prepaid card

An unauthorized payment was taken out of my checking account for {$11000.00} to pay account in full. I contacted the credit card on XX/XX/2020 when I was informed of unauthorized activity on the account. They closed the card and issued me a new number and unknown to me a payment was scheduled at that time. I didnt schedule a payment or authorize it to be taken from my checking account, and I would never have scheduled a payment for the full amount. Whether this was an error by the representative or bank error, I need the funds put back in my checking account ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I permanently opted out of all reporting agencies indefinitely. To my surprise, a mortgage company by the name of XXXX, acting on behalf of Rocket Mortgage, was able to successfully submit a hard inquiry through to my credit report, obtaining unauthorized personal information without my consent. Appalled, Id reached out to you all, only to discover that a company called XXXX, whom my first report was for, performed the hard-inquiry on Rocket Mortgages request. After XXXX told you all that theyd contacted me with solutions regarding my complaint with you all, you all closed my complaint and they did not reach out to me by phone call like yall told me they did, but instead sent me correspondence in the US postal mailing systems. Once received and read, theyd suggested that I reach out to Rocket Mortgage. I reached out to them, theyd collected my pertinent information some how, confirmed it all with me, then in a confrontational manner, told me that they were not going to remove the hard inquiry from my credit report, placed on my report on XX/XX/XXXX, but I was just made aware of the inquiry XX/XX/XXXX. When I asked about the dates and weirdness of it all, a guy by the name of XXXX XXXX, spoke to me by phone on XX/XX/XXXX, very rudely exclaiming to me that due to my knowing all of my own information and verifying it with him, that it somehow was me that theyd gotten my consent from. I have NEVER given them any, never heard of them until the XXXX  paperwork in the mail, and would not ever do business with a company like them under any circumstances past or present. Id permanently opted-out of all credit reporting agencies ranging from XXXX due to how many of them there are. So Im curious, How is it that XXXX  acting on behalf of Rocket Mortgage company was able to successfully submit a hard inquiry into my credit reports, WITHOUT MY CONSENT, and not only gain access to my personal information but also distribute it to Rocket Mortgage whom also DID NOT GET CONSENT FROM ME EVER, and I didnt and still dont know of them nor have never reached out to a company like them, were they able to perform this unauthorized act with so much ease? Why dont my permanent freezes placed on my credit reports work? Finally, their are two companies ( which one of them XXXX XXXX XXXX was paid in full ), is reporting late payments, on closed accounts on my credit report, but have also been able to report these things in my permanently opted-out credit reports. How and why have they too, been able to do such things?
Product: Credit reporting or other personal consumer reports

TransUnion continues to report a fraudulent and unauthorized account ( XXXX XXXX XXXX ) on my credit file, despite multiple disputes. Both XXXX and XXXX have already deleted this account after my first dispute, yet TransUnion refuses to do the same. I never authorized it and never gave written consent for it to be reported. I have repeatedly disputed this inaccurate information, yet TransUnion continues to verify it without providing any legitimate documentation proving its validity. This is a clear violation of my consumer rights under the FCRA. Under 15 U.S.C. 1681i, TransUnion is required to conduct a reasonable reinvestigation of disputed information. However, their repeated failure to remove this account, despite the lack of verifiable proof, shows clear negligence and noncompliance with the law. Additionally, 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies may only report accounts with the written authorization of the consumer. I never gave such authorization. By continuing to report this false and damaging account, TransUnion is actively harming my financial stability. This inaccurate reporting negatively impacts my creditworthiness and makes it difficult for me to obtain necessary financial opportunities, including a mortgage. Their refusal to remove this account, despite clear evidence that it is fraudulent, constitutes willful noncompliance under 15 U.S.C. 1681n, making them liable for damages.