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

XXXX Credit Bureau Portfolio Recovery Associates who submitted false debt information to the bureau as a XXXX factoring company on XX/XX/2017. XXXX has never performed a legitimate investigation since XXXX which has wrecked havoc against my attempt to obtain mortgage refinancing. I've requested from both entities for written signed documentation whereas I'm associated with the reported debt which I'm yet to received since XXXX. I've only seen the false debt which is being reported with a false payment history being associated with my SSN and DOB. I'm requesting that this false information be deleted from my credit file asap! 
XXXX XXXX
Product: Credit card

On XXXX I made a booking with XXXX XXXX paying the full advertised rental price, ( {$510.00} ) which their Terms of Service require to be fully itemized and shown on the booking page. A short time later, the host demanded hundreds of dollars extra in an offline communication in violation of the same Terms of Service. I immediately cancelled the reservation, and notified American Express of the fraudulent charge on my card. I made repeated attempts to solve the matter with XXXX, but they claim they are able to keep all of my money regardless of any fraud committed by them. I received no goods or services from XXXX. I have made numerous complaints to American Express who reversed my requested chargeback when XXXX sent them a non-responsive and misleading AI generated document purporting to show I agreed to be defrauded. 
Since then I have made endless and numerous fruitless attempts to raise the problem with American Express. I have gone so far as to write XXXX XXXX, the CEO. He said he would have the matter investigated and get back to me. This has not happened and I have received no report or update. American Express as a bank claims to have a XXXX customer liability for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my credit report. I submitted letters to each of the credit bureaus and I only heard back from experian. However, experian didnt send me my results. It has been longer than 30 days.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and LCI are reporting unverifiable bankruptcies on my credit report and violating the reporting requirements that do not comply with FCRA 611 ( 15 U.S.C. 1681I ). I have recently been informed that there is negative information reported by US BANKRUPTCY COURT NEW JERSEY NEWARK in the files they maintain under my Social Security number. Upon ordering a copy of my credit report from each, I see XXXX entries from this court listing with Reference filed on XX/XX/XXXX and XX/XX/XXXX. The entry filed XX/XX/XXXX and XX/XX/XXXX with this court appears to be inaccurate. 
I sent a letter to each bureau on XXXX and XXXX XXXX requesting to please verify and validate this information with the court and provide me with copies of any documentation associated with this account granting them authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file you maintain under my Social Security number. I have not received any correspondence or update to my credit report. These credit bureaus indicate on the credit reports they verify their information with XXXX. I had requested same with XXXX to which they responded with a letter stating they had reviewed the information from their bankruptcy records and determined the data in question has been removed and their files have been updated after conducting research with their source, XXXX. They also updated my credit file showing the deleted bankruptcy records.This negative reporting has ruined my credit, now have no credit score, was rejected when I applied for an apartment rental and security deposit bond in XX/XX/XXXX and prevented me from getting any other credit, loan or purchasing a new home.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that TransUnion, Experian, and Equifax credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX  XXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX Bank XXXX XXXX on XX/XX/XXXX under the account numbers ( XXXX, XXXX ), a personal loan account opened at Avant WebBank on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00} that appears related to the aforementioned personal loan account opened at Avant WebBank. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint regarding TransUnion 's failure to provide access to my credit report. Despite multiple attempts to retrieve my report through their online platform, I have been met with consistent errors stating that " Your online credit report isnt available at this time, '' as shown in the attached screenshot. 

Key Issues : Inability to Access Credit Report : TransUnions system has consistently prevented me from accessing my credit report. This includes attempts to log out and try again, as their platform suggested.

No alternative method has been provided, and I have been unable to verify or review the information TransUnion is reporting about my credit history.

Lack of Transparency and Assistance : Despite their acknowledgment of this error on their platform, TransUnion has not provided adequate assistance or explanations to resolve this issue.

Violation of Consumer Rights : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to access my credit report to ensure its accuracy and dispute any errors. TransUnions failure to provide my credit report denies me this right and jeopardizes my ability to manage my financial well-being. 
Resolution Requested : Immediate Access to Credit Report : I request that TransUnion resolve the issue and provide immediate access to my credit report via their online platform or alternative methods ( e.g., by mail ).

Investigation into System Errors : TransUnion must investigate the cause of the persistent error and provide a detailed explanation of the steps they will take to prevent such issues from reoccurring.

Assistance in Resolving Disputes : If any inaccuracies are found in my credit report once accessed, I request that TransUnion assist in resolving these issues promptly in compliance with the FCRA.

Supporting Documentation : Attached is a screenshot of the error message displayed on TransUnions platform when attempting to access my credit report. 
Impact and Final Request : This issue has caused significant frustration and has prevented me from exercising my rights under the FCRA. I kindly request the CFPBs assistance in ensuring that TransUnion resolves this matter promptly and provides access to my credit report without further delay. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these creditors have failed to provide proper validation & methods of validation to to prove these debts were mine UNDER THE FCRA you have to delete these inaccuracies. 

I have taken actions by sending certified letters to XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please, I need help... I'm single after 31 years, never had to work... working now 6 days a week... ex responsibility for this bill... help me get it off my report..please
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was billed {$12000.00} for a XXXX procedure. The procedure was not fully completed due to health concerns and medical issues. The credit card company is not issuing full credit on the amount disputed. I did not receive the treatment and payment has been made. There is partial credit but they did not rectify the other credit as treatment was not completed. The company mislead the process along with the credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

" VENMO '' is selling our PERSONAL information! 

My mother bought insurance policies from a DIFFERENT company, VENMO bought that insurance company and I just received a letter advising they INTEND to SELL OUR PERSONAL information! Like you, we do NOT wish to share our records or finances with anyone! 

VENMO offers NO " opt-out '' options on their complex site! I include the State of California FORBIDS " companies like VENMO '' from PROFITING by selling ANYONE 'S " PRIVATE information. 

My mother did NOT buy from VENMO and buying a company should NOT include clients personal records to sell. PLEASE check online and see scores of complaints about VENMO! Sadly VENMO continues their " dirty business '' without opposition! This truly is a unscruplious company! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Demand to delete and remove XXXX XXXX A collection on credit report as authorized and mandated by various statutes and regulations, including but not limited to 12 CFR 1016.1, 12 CFR 1016.13, 12 CFR 1016.14, 12 CFR 1016.15, 5 US Code 552a ( Privacy Act of 1974 ), and 15 US Code 1681a. 
As a consumer, I am entitled to protect my privacy and control the use of my personal information. Under the Privacy Act of 1974 and the Fair Credit Reporting Act ( FCRA ), I assert my rights to ensure that my personal information is handled in accordance with the law. 
Specifically, 12 CFR 1016.1 outlines the purpose and scope of the regulations concerning the privacy of consumer financial information. Furthermore, 12 CFR 1016.13, 12 CFR 1016.14, and 12 CFR 1016.15 detail the requirements for providing privacy notices to consumers and the limitations on sharing nonpublic personal information with third parties.

Additionally, 5 US Code 552a ( Privacy Act of XXXX ) safeguards the privacy of individuals by governing the collection, maintenance, use, and dissemination of personal information by federal agencies. 
Furthermore, 15 US Code 1681a defines key terms used in the Fair Credit Reporting Act, establishing the framework for the protection of consumer information and the regulation of credit reporting agencies. 
In light of the above, I hereby request that you cease all activities related to the collection, sharing, and dissemination of my personal information. This includes, but is not limited to, the sharing of my information with affiliates, non-affiliated third parties, and any other entities without my explicit consent. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account # XXXX, which you claim I owe {$230.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit card or prepaid card

I submitted a complaint # XXXX. Capital One replied I had sent a black and white copy of my passport, but they needed a color copy. I called the company and spoke to THREE different people. They sent me a link to send a colored copy of my passport. The link was sent THREE times. I took the photo of my passport FIVE times. Each time I got the same result when I tried to send it. " THE SPECIFIED URL CAN NOT BE FOUND. '' So, I am sending a colored copy of my passport, a colored copy of my XX/XX/XXXXDrivers license AND a colored copy of my military ID card with this reply since the company would not take the black and white one. I need this resolved so I can get the refund of my plane tickets deposited back into my account. I brought new tickets and I need the money to pay for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not able to get a credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent letters to XXXX, XXXX, and Equifax requesting an investigation into inaccurate information on my credit report. All agencies responded within the XXXX window, indicating a XXXX balance. However, each agency reported different credit balances. Additionally, the debt was charged off, and I did not receive a XXXX form. Delete XXXX from XXXX credit report immediately. 

According to the Fair Credit Reporting Act, XXXX Account XXXX has infringed upon my rights. Section 1681e ( b ) of the FCRA mandates that consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of the information regarding the individual to whom the report pertains. FCRA 15 USC 1601, part of the XXXX XXXX XXXX XXXX XXXX, aims to provide meaningful disclosure of credit terms, enabling consumers to compare credit terms more effectively, avoid uninformed credit use, and safeguard against inaccurate and unfair credit billing and credit card practices. Regulation Z enforces the Truth in Lending Act, established in 1968 as title I of the Consumer Credit Protection Act.
Product: Credit reporting or other personal consumer reports

XXXX Mortgage Account # XXXX with a balance of {$360000.00} is reporting to Equifax XXXX and XXXX XXXX reporting agencies as XXXX  days late in XXXX of XXXX. It is also reporting as paid on time for the months of XXXX XXXX of XXXX This would mean it would be impossible for me to have paid on time in XXXX and XXXX of XXXX and was late on the same account XXXX  days! The Fair Credit Reporting Act states all information must be accurate! On XX/XX/XXXX I requested a bank statement showing I paid this account late and this request was rejected by XXXX Mortgages Representative. The burden of proof to prove a consumer was late paying on an account is on the the Credit Reporting Agencies and the data Furnisher! See Cushman v. Trans Union Corporation ( 1997 ) United States Court of Appeals 3rd circuit No XXXX
Product: Checking or savings account

I have been fraudulently charged on 2 separate occasions by XXXX  XXXX  XXXX XXXX, also known as XXXX XXXX XXXX, after Governor XXXX XXXX ordered all gyms and health centers be closed effective XX/XX/2020 due to COVID-19. 

XXXX XXXX XXXX XXXX  fraudulently deducted the amount of {$45.00} on XX/XX/2020 from : XXXX XXXX XXXX XXXX NY. 

A second charge was fraudulently deducted from my bank account the next day, on XX/XX/2020 in the amount of {$31.00} from : XXXX XXXX XXXX NJ ' A total of {$76.00} was deducted from my account although they are CLOSED. 

I have tried to contact both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on multiple occasions with zero reply or answers as to why this is happening.
Product: Credit card or prepaid card

Hello and thank you for helping out, I have my card in my possession however its passed the expiation date. 

Ive been waiting for a replacement and nothing has arrived. 

I submitted a request online twice as instructed and nothing has arrived yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention the fact that Experian, one of the three major credit reporting agencies, has posted inaccurate data on my credit report. This misinformation in relation to the XXXX  Dept of EdXXXX accounts on my report is in violation of my rights under federal law, specifically the Fair Credit Reporting Act ( FCRA ).

According to the FCRA, credit reporting agencies must ensure that the information they report about consumers is accurate, complete, and up-to-date. However, in my case, Experian has failed to fulfill this obligation by posting inaccurate data on my credit report. 

I have attempted to dispute the inaccuracies with Experian, but their response has been unsatisfactory. I believe that Experian is knowingly and intentionally reporting inaccurate information, which is negatively affecting my creditworthiness and financial standing. 

I am requesting that the CFPB take action against Experian for violating my rights under the FCRA and for the harm that they have caused me. I would also like to request that Experian be required to remove the inaccurate information from my credit report and provide me with a corrected report as soon as possible. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I had a credit card for 11 years or so with Capital One at 7.9 %. I didn't use it for over 2 years and I received an email that they have closed my account without letting me know. This affects my credit score tremendously and I would have like to keep it. I called several times to customer service and they are unwilling to help me. Could you please help me.
Product: Checking or savings account

On XX/XX/2024 a charge at PNC bank posted for {$36.00} at XXXX grocery, disputed it but was refused a temporary credit, result of no wrong doing mailed.. asked for documents and the customer service person asking as if not understanding the request hung up on me dispute reference # XXXX
Product: Payday loan, title loan, or personal loan

It started when the credit was submitted. I received a letter that a charged amount of {$10000.00} had been placed and please cal to confirm work was done. This financing was through a home repair company XXXX XXXX. I called to informed them that my contract for work was for {$10000.00}. They told me that I would have to deal with XXXX XXXX directly they could not help me. All point gave me a {$100.00} gift card that was promised to me 3 times in the duration of the work. 

XXXX XXXX sent a statement monthly without indicating past payments, interest, or reflecting any activity on the account. I called them, and they said that they didn't have to provide that information I should keep track of my own records. After paying above minimum payments for month, and noticing higher interest than I expected I decided to pay this loan a different way. 

I took the statement to my credit union and used a person loan from there to pay in full. The statement shows a balance of {$9000.00}, that is what my bank sent. Now I receive yet another statement that I still owe {$110.00}. I don't understand this billing process, and feel they hide information that is supposed to be provided to borrows. When you call they are very rude, can not explain to you activity or finance fees. 

According to their statements I paid about {$500.00} interest on this loan over a 5 month period on a loan with 6.99 % interest. I do not understand this math. I will never borrow from them again. I hope that someone looks into this and holds this company accountable.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to draw out 700.00 to pay my son 's rent. I am his Rep Payee for Social Security. I received an atm receipt which said it was unable to give me money. I am attaching a copy. I called the 800 number and went to XXXX XXXX the next day. They said to contact Direct Express. Each time I call Direct Express I am either on hold for over an hour and then the phone hangs up, or I get a recording saying they are experiencing extremely high call volume and the phone hangs up. I got to person one time and explained the problem, AND THEY HUNG UP! I called Social Security and got no answers. I went to the SS office and they gave me a number for fraud prevention for Commercia  Bank who issues the card. I called and after holding nearly an hour, I spoke to someone who merely transferred me to Direct Express! Of course, I got the recording and then the phone hung up. I ne ver got the money and it is not in his account. I need help to get this back. I am retired and on  limited income, I did not pay my bills to cover this rent for my XXXX son. I do not think it should be this hard to reach a company that handles government benefits.