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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing  consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been been past 30 days and XXXX has failed to verify the incorrect information of the account selfinclead credit card XXXX. By law after 30 days you must legally remove this account per FCRA. In addition to not receiving any type of letter or email from XXXX theyre reporting inaccurate and unjust information. The reason Im asking for this account to be taken off my credit report also includes Them reporting a passed due balance of XXXX dollars that has been paid in full and different dates when the account was open and last active. I have certified mail XX/XX/XXXX and XX/XX/XXXX they have not responded to either of them which has now placed the account dispute 30 days passed which legal they must remove this account from my credit file and have failed to do so.
Product: Money transfer, virtual currency, or money service

We sent {$14000.00} from our checking account at Bank of America to a fraudulent account at XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022. It was supposed to be a title company 's seller 's account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$3500.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$3000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$110.00} Account Name : XXXX : Account Number : XXXX : Balance : {$740.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$4200.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continued to dispute XXXX XXXX XXXX XXXX due to theft. its been one year from last dispute and Experian has failed to investigate per the fair credit reporting act and the cares act.. at one point I was willing to pay the account with settlement from the company due to me being a XXXX XXXX victim and was trying to find housing. this account was establish during the XXXX XXXXXXXX. the police did find the car eventually and XXXX XXXX XXXX decline to pick it up from storage due to it being wrecked. XXXX XXXXXXXX also want me to sign a statement stating that I had the car in my processing all that time which will not be a correct statement. 

Experian has also continued to provided a statement to creditors when I'm applying for credit stating I have seriously derogatory delinquencies meaning more than one and other factors that play in the denial of my application. 

since I have almost recovered from id theft I have paid my bills on time and Experian has continued to keep my score at a minimal to prevent me from applying for credit.
Product: Debt collection

i was sold a lemon car that i returned, i tried to get it rectified and wasnt offer a proper solution debt was then sent to collection
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Transunion multiple times in reference to fraudulent information found on my credit report, and what method they are using to verify it. There is a Bankruptcy that shows on my Transunion credit file on, and it doesnt belong to me. I have asked for it to be removed, I have asked for the method of verification and how the Bankruptcy was validated, including the name of the person and phone number that was called to validate the debt, I have yet to receive this information. 
I wrote a formal complaint to Trans Union on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX and XXXX bankruptcy from my account due to the fact that it was not mine. I did not hear from them after 90 days so I wrote them again on XX/XX/20 using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred. I have included a copy of the second letter along with the receipt of the certified letter that was sent to Trans Union. I sent proof of the bankruptcy court stating that they DO NOT REPORT ANY FILINGS TO THE CREDIT AGENCIES. I sent proof that XXXX XXXX has no record of this either. 
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. It is listed that XXXX XXXX is the 3rd party Furnisher of this bankruptcy listing but when I reached out to XXXX XXXX, they show no record of the bankruptcy. I have attached a copy of the letter and I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results. 
If you have any questions, I am free to discuss this situation. 
Thank you in advance for you assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had medical bills sent directly to collections and reported on all three reporting agencies. Not only did i dispute with the collections agency, they refused to acknowledge the illegality of sending a XXXX insured a bill, let alone report derogatory remarks to credit reporting agencies. They refused to identify the provider so XXXX can file a formal complaint. The hospital had no information. 
My dispute with XXXX and XXXX resulted in the deletion of the derogatory marks, and classified it as fraudulent charges unsubstantiated by the collection agency. 
My dispute with Experian was denied. The collection was determined valid, and updated immediately. 
Inconceivable. And they want documents if i can demonstrate the accuracy of my dispute! I do n't have documents. I never received a bill, i do n't know the practice or physician. There are 2 separate derogatory marks, submitted to collection on the same day i went to urgent care. 
The balance billing of a XXXX insured is illegal, and i have no evidence besides the hospital invoice showing it is satisfied. 
State and Federal want to investigate the provider for prohibited practices. I was refused this information or a bill from the agency. 
Its incomprehensible that Experian refused to remove fraudulent remarks affecting my credit, especially with my formal dispute notate in the remarks by the collection agency. It was seamless to rectify with the other two agencies. 
i am a victim, who ca n't file a complaint against the provider who fraudulently billed me, and further victimized by Experians bad faith conduct and violation of my consumer rights. 
it 's appalling that this was validated and reported on my permanent record. I had to dispute the fraudulent remarks. Now, i 'm further victimized by Experian to validate the inauthenticity.. why? 
What can i do? The other two credit reporting agencies responded quickly and acknowledged fraud. What information did Experian obtain to validate an illegal collection. 
And I still need an actual bill. Are n't there collection regulations prohibiting a person from reporting to credit agencies directly, without sending bills? 
i need Experian to explain their investigation and determination of validity. 
i need a bill for these alleged charges, which XXXX required me to obtain because they want to formally investigate and fine the practitioner for prohibited billing practices and fraud
Product: Checking or savings account

I filed bankruptcy on XX/XX/XXXX and it was discharged in XX/XX/XXXX. I submitted these records to XXXX  and ask that they send me a copy to reflect as such. They sent me a copy of my file stating everything was clear in the file and that nothing exist in it. I preceded to apply for a new checking account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mostly at banks, credit unions and for credit cards, but continued to be denied as a result of the information received from XXXX. I did a follow-up phone call with XXXX  and again they verified nothing was in my file. A year later I tried again to apply for checking accounts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and still were denied based off information from XXXX. I again submitted a written request to find out what is on my file, I received again another letter indicating again that nothing exist in my file. so I applied for new checking accounts and credit cards XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with continued rejection based off of XXXX records. I again contacted them in writing and was told on XX/XX/XXXX that nothing was in my file. Finally I wrote for a re-investigation and received on XX/XX/XXXX a letter that they determined that there was three entries that was in my file from XXXX XXXX date some back in XX/XX/XXXX-XX/XX/XXXX, that this old information should have been removed years ago but was not. I feel that XXXX  should be accountable for all of my stress and down fall of credit and bank accounts, as a XXXX person this cause a great deal of unnecessary credit issues and held me back from an opportunity to build my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting late payments on account which are jeopardizing my credit score. 
My account was not late and I expressed to Navient many times that I am out of work and am unable to make payments in which they promised to defer my payments for the dates that they are reporting as late. 

The dates that they are reporting late is listed below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I need this removed those late payments are keeping my score low and I am unable to get a job. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to contact the companies in question and was told to contact the credit reporting agency.. when contacting the credit agency the passed the buck back to the company!!!! Im getting no help with this ongoing issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XX/XX/2022 XXXX XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report showed a collection item from Security Credit Svcs with a phone number of XXXX, the phone is a recording who never calls back. The company placing that collection, was XXXX in XXXX, XXXX. They said an online purchase of a phone on XX/XX/2021 was made with a XXXX XXXX XXXX, that was not mine, through XXXX XXXX and shipped to an address that was not mine. When the account was not paid, the collection item appeared on my credit report as well as my XXXX account. 
We both filed an identity fraud dispute on our accounts. 
In addition, we have filed an identity fraud complaint with the police department, and will be following up with the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My ex mother-in-law opened up some loans in my name and it is going against me. At the time when she did this, I was XXXX  and I know for a fact, it was not me. They want to bring legal charges against me and I did not do this
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I used XXXX  's service to get credit reports from XXXX, XXXX and XXXX. I noticed that there was a 'negative ' account being reported. The account in question was a Wells Fargo line of credit for {$20000.00} that had a status of " Late 30 Days '', even though the account has a balance of {$0.00} and is closed. I contacted Wells Fargo and their analyst agreed it was incorrect and said she would work to get it corrected. I also opened disputes with all 3 credit bureaus. I thought the issue was resolved, but I just ordered new credit reports, and the account is still in " Late 30 Days '' status. This status has been a negative attribute on my credit report for over 2 years, I have followed the prescribed procedures, waited the 30 days the bank has by law to respond, and they have not corrected the problem. Just to be crystal clear, because the Wells analysts were confused on this point before I escalated : there were several periods over the life of the loan where it was 30 days late, but the CURRENT STATUS is PAID OFF with a BALANCE OF {$0.00}, which means that THE CURRENT STATUS CAN NOT POSSIBLY BE 30 DAYS LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Score Dropped by 100 points over night with absolutely NO changes. I have been working very diligently to repair my credit. I have been watching all 3 CRA 's on a daily basis, and was making excellent progress. I recently disputed a few inaccurate items, and reported some Fraudulent Activity on my Credit Report. My Credit Scores had an extreme drop in some cases up to 100 points overnight. I have researched this, and have found that many people have the exact same issue. If you dispute inaccurate information on your credit report, you are punished by the CRA 's. This can not be legal, and certainly is not fair. To add insult to injury, the CRA 's are of no help whatsoever. I have spent countless hours on the phone with all 3 agencies.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair deceptive, as they did not comply with errors resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial losses and seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under new rules for reporting medical collections. Any amount under XXXX dollars should be removed from my credit reports. I called Experian and they verified they understood the new rules. I have a medical collection on my report that is under XXXX dollars and I disputed it with them. The results came back as updated while the item remained on my credit report. Since the government 's new rules have taken effect as of 2023 this item should rightfully be removed from my credit report.
Product: Checking or savings account

On XX/XX/XXXX, we sold our car and received a wire transfer from the buyers for {$12000.00} On XX/XX/XXXX, we received a message in our secure message center that said, " Return of funds are being requested DUE TO FRAUD. Please authorize us to debit your account for the amount XXXX by replying to this e-mail. '' We replied that we did NOT authorize a debit of XXXX because this was money from selling our car. 

On XX/XX/XXXX, Chase Bank made an unapproved withdrawal of {$12000.00}. 

We have spent at least fifteen hours on the phone with dozens of people in several departments. We've talked to supervisors and specialists. The last few times we've called, we've asked and gotten permission to record phone calls, so we have recordings of people at Chase telling us that we would get our money back in XXXXwo days. That was last week, and there has been no return. We started asking to record phone conversations because several Chase representatives claimed to be making " notes '' on our account so that a specialist could work on our problem. But when queried later, other representatives were forced to admit that no notes were written anywhere. We were being told a line to get us off the phone, which I find exceedingly unprofessional and dishonest. 

One Chase Bank representative claimed that XXXX XXXX ( the car buyer 's bank ) requested the money back, and it was given to them. We talked with the buyers of our car, and the wire was not returned to them. XXXX XXXX also said they did not get any funds back from Chase.

From our perspective, Chase took {$12000.00} from our checking account and has not returned it. Nor can they explain where the money went, leading me to believe they are either inept or dishonest.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Account and Identity Fraud ( Account : XXXX ) Dear [ Credit Bureau Name ], I am writing to dispute the validity of an account that appears on my credit report and to formally request validation of the following account, which I believe is a result of identity fraud : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is not mine, and I have never authorized or opened any accounts with this entity. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting that you provide the following verification and documentation for this account : A copy of the signed contract or agreement related to the account. 
Proof of any payments or transactions associated with the account. 
Any identifying information you have on record that would associate this account with me. 
Additionally, under 12 C.F.R. 1022.41 ( Regulation V ), which enforces compliance with the Consumer Financial Protection Bureau ( CFPB ), I am requesting that this account be removed from my credit report due to the fact that it is fraudulent and affecting my financial well-being. The erroneous reporting of this account is causing harm to my credit, and I request it be corrected immediately. 

Please treat this as a formal dispute and investigate this account. If this account can not be validated, I request that it be permanently removed from my credit report in compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Failure to remove this fraudulent information will result in further action, including a potential lawsuit by my attorney, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. This is a serious matter, and I will hold both your company and the reporting party accountable under CFPB laws, FCRA, and applicable state and federal regulations. 

Please provide a response within 30 days as required by 15 U.S.C. 1681i ( a ). If I do not receive a satisfactory resolution, I will pursue all available legal remedies.
Product: Money transfer, virtual currency, or money service

I have been a customer with a personal PayPal account for almost a decade without any problems. On their website, they advertised the ability to open a business account for freelancers, and people working 1099 jobs to invoice their clients. I opened a business account, put in all my personal information including personal address, social security, bank account numbers for wire transfers, etc. After putting in all my information, their system said I was a risk because my name appeared on two accounts ( my personal and this new one ) so they will prevent my access to my account and will prevent withdrawal of any funds. I spent weeks going back and forth with customer service who just copy pasted boiler plate. I eventually just wanted the account with all my personal information deleted. I was able to delete my personal account but the site prevented me from accessing and deleting my business account. More emails to the CEO, customer service, the FTC, and even pinged them on social media. They controlled my personal data and would not delete it because I asked them to let me close the account. They would not give me a reason why they are doing this and gave the impression that they have legal rights as a corporation to store my personal data against my will for as long as they want. Funny thing, there are ZERO transactions on the account so they have no basis to hold my data XXXX. Its been months now and my account and personal data is still in their database waiting to be breached and stolen and I have no say in the protection of my personal data as a US citizen. I would never trust PayPal with my personal data especially since I have no way of protecting it, deleting it, nor do they take customer complaints seriously. Absolutely horrible business practices and tremendous violation of consumer rights and privacy laws.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I received a XXXX for {$2000.00} I called Chase I said please reverse and give back the money to the sender. They explained to me there is nothing they can do they told me to XXXX the recipient back the {$2000.00} as per advise from Chase XX/XX/year> I sent {$2000.00} back. Now XX/XX/year> I look at me bank account they sent the {$2000.00} back to the person causing me so much phone time grief XXXX  mental anguish. The worst part I sent money to someone that was a total scam a guy doing law not a lawyer they refused to do anything said they can not revers the money I will be leaving chase bank