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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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 customer Reporting agency cannfurnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANKRUPTCY # XXXX, has violated my rights. 

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

TransUnion consistently appears to be reporting inaccurate, unverified, and incomplete information about me. There are several items on my credit report for which are not true. 

Per new Law Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 - per section 401 - details regarding any adverse credit details contained within my personal credit file should be deleted should they not carry any contract to validate. 

I'd appreciate TransUnion to have all adverse information ( inquiries/accounts ) deleted as no information was obtained via contract either written or verbal. The law is very clear as to the civil liability that TransUnion will be responsible for, should they not comply with this law. 

My attorney felt that I should file complaint with CFPB 1st  prior to taking matter before judge in civil suit.
Product: Credit card or prepaid card

I read your response XXXX XXXX .... you are essentially saying 2/3 cards that I said were stolen are written off and you can not find me responsible. I reported all these cards stolen the same day. You understand by saying what you're saying you are admitting I had credit cards that were fraudulently used on the same day/night and you're trying to worm your way out of the XXXX XXXX  charge. I assume you are attempting to hold me responsible for the XXXX  charge. In order to hold me responsible you need to prove I was present at the store. Please get a video from the XXXX  store of me purchasing the XXXX product and I will pay in full immediately. I like how you said you wouldn't respond guess what you're gon na respond again, every 15 days Im gunna be writing you a letter until you make this right. Eventually your company is gunna end up paying {$12000.00} + on just responding to me. Do the right thing give me my stolen money back. No jury of my peers is going to side with your company without concrete evidence. I however have ample evidence I was not there at the time I.E. Clock in records of me clocking in at XXXX ( PT ), employees saying I was at work, the fact that the charges took place 2 hours away from where I worked, the fact the person who used my phone ( you admit ) sounds different than me a failed my password and did not know my social security number, the fact you told me to drive to the XXXX store and not to worry because you spoke to the security team and let them know to give me my money back. Way to many facts are against you please do the right thing you will lose in court and I will make sure the case gets seen by all government agencies. {$12000.00} is not going to be worth a Multi-million dollar fine for attempting to rob your customers. Do the right thing give me my stolen money back.
Product: Debt collection

I received a form MC-012 from an attorney from an attorney representing Midland Funding, XXXX XXXX XXXX XXXX, State Bar no. XXXX, Midland Funding, XXXX XXXX XXXX  XXXX  XXXX, # XXXX, XXXX XXXX, CA XXXX, on XX/XX/XXXX, ( XXXX County Court case no. XXXX ). In that form, the attorney claims that I still owe Midland Funding {$520.00}. It also states in that letter that I have already paid {$2800.00}. I called Midland Funding at ( XXXX ) XXXX, on XX/XX/XXXX. The person that I talked to ( XXXX ) said that I have already paid {$3400.00}, but that I still owed {$560.00}. As you can see, there are discrepancies in these amounts. The second person that I talked to at Midland Funding also said that I had paid and owed the same amount as the first person that I talked to. I went to XXXX XXXX  to inquire about the credit card acount in question. The manager at the XXXX XXXX CA, XXXX XXXX said that the credit card debt had been settled for {$2900.00}, but couldn't give me an exact date ( I believe this was in XXXX ). I believe that I paid this debt at least 6 years ago, and these guys have tacked on additional principal and interest, and are trying to collect on an old debt that is definitely older than 4 years ( statute of limitations is 4 in CA ). I also visited the XXXX County courthouse in XXXX XXXX, CA, and the clerk said that this document ( MC-012 ) had been filed back in in XXXX.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX the living man has never agreed, authorized or signed, any contracts from any of these third party companies ( XXXX, XXXX, Experian ) credit bureaus to use my personal information or to share it with others. This violates My human rights, per 15 USC 1602g I am the creditor not this company or anyone else for this matter. This is securities fraud! which i will report to the Internal Revenue Services being I never authorize any of these third party companies to the use of my personal information or my social security. These companies are not even located in the united states or florida they do not have a licence to do this where I reside. I am tired of this same running around in loops and not getting anywhere with all 3 bureaus which are third party companies. The CFPB is supposed to help us consumers in this type of fraud but they too are not helping with this issue. This is known as Identity theft. sharing personal information with any consent which I never allowed.
Product: Credit card

Hello! 
Chase closed multiple credit cards of mine with them without notice. I have been a long time Chase customer with no issues. Reason was multiple disputes? I dispute only reasonable and wrong charged made on me. I travel every month so things do go wrong quite often. I was told all different things from different Chase reps XXXX said I could open a card again in 30 days/ next billing cycle with no issues. I attempted XXXX times and every card was validated and opened for XXXX days then closed again. This negatively impacts my score. It is ludicrous that they accept my application, allow me to spend, and then a few days later they close my account. XXXX times already. I also gathered points from these cards that seem to be taken away now. XXXX extremely upset.
Product: Debt collection

This is an identity-fraud case. I have told them I didn't subscribe to XXXX-XXXX they continue to send me a collections letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a collection account appear on my report. XXXX, XXXX & XXXX Original creditor : XXXX XXXX  XX/XX/XXXX. I never had an account nor know what XXXX XXXX is. I disputed online then via certified mail. I said please provide the original documents with my wet signature to irrefutably proof it is valid. if not please remove and send me an updated report. Did not receive anything. Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account * XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

No information was provided and it was outside the window.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to delete inaccurate information relating to XXXX account To whom it may concern, I am writing to dispute a collection that is currently on my credit report. This collection is due to identity fraud. This discrepancy started with a XXXX Collection in XX/XX/XXXX under the name of their collector XXXX. Shortly after discovering this XXXX account on his credit file with your company, I contacted XXXX and disputed the collection as not mine. I spoke to a XXXX representative who informed me that the collection would be removed since 1 ) I never lived in XXXX Colorado and have not visited XXXX since XXXX. 2 ) I am and have been an XXXX XXXX XXXX employee since XXXX ( add if he is provided with free phone since that time ). Since XXXX, the collection has been disputed, removed and reinserted on my credit report with your company at least 4 separate times ( the last time being in XX/XX/XXXX ) .This is very frustrating that this is allowed to happen. Nobody from your company has reached out with me in a fashion to permanently resolve this.. The collection item for XXXX has appeared on my Credit report under 3 different collection agency names XXXX, XXXX  XXXX and XXXX. 
At this time, I am requesting you to please permanently remove this fraudulent collection from my credit report. My wife and I are currently trying to get financing for a home but are being stymied because this adverse collection item is adversely affecting our ability to obtain this mortgage loan at a fair rate. Feel free to contact me if you need further information to demonstrate that this was not my account. 
Sincerely, Timeline : XXXX No XXXX Collections XXXX XXXX Collections on CR - XXXX   Contact XXXX Disputed on all Credit Bureaus XXXX Collection Removed XXXX Disputed XXXX  via XXXX XXXX, disputed XXXX  and Equifax via websites XXXX Collection back - XXXX XXXX ( as of XX/XX/XXXX ) XXXX Collection still on CR 's XXXX Collection removed XXXX Collection reinstated - XXXX XXXX XX/XX/XXXX submitted to CFBP -> FTC Disputed all Credit Bureaus XXXX Collection still on XXXX  and XXXX  XXXX Collection still on XXXX  and XXXX  XXXX XXXX XXXX XXXX XXXX Collection Removed XXXX Collection reinstated with XXXX- XXXX XXXX  XXXX Collection reinstated with XXXX  - XXXX XXXX
Product: Credit card

I had credit card due date on XX/XX/year>. CITIBANK linked/connected non-registered payment bank of mine and withdrew money. It has been occurring many times in the past some months. I had already set up auto-payment and linked my payment bank " CITIZENS BANK ''. However, CITIBANK connected and linked " XXXX XXXX BANK '' to withdraw and cause many problem. I registered " CITIZENS BANK '' with CITIBANK. CITIZENS BANK does not fix the problem at all. Also, CITIBANK 's on line account does not update at all. 

Due to so many trouble using " CITIZENS BANK '', I had always LiveChat to double check and confirm the payment amount and payment bank before the due date. XXXX XXXX had not seen any other transaction problem during the chat time. However, for example, I have been complaining {$35.00} overdraft fees due to CITIBANK wrongful attempt to connect my other bank that I had not registered to pay in XXXX to XXXX. XXXX XXXX confirmed that. However, CITIBANK has kept responding only history of my transactions. XXXX XXXX cleared wrong payment and transactions that might have caused the problem for upcoming payment. To avoid such thing as I know, I did XXXX. It did not work at all. XXXX agent might have caused the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with Equifax, XXXX, XXXXXXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card

Company notified of violations of maximum fee guidelines. Refuses to comply with government regulations, Notified that I will notify CFPB. I received bill via USPS. The company of note is BJs Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed in several disputes to Experian, XXXX, XXXX disputing derogatory accounts that are not mines, I filed a FTC report, Credit reporting agencies response is VERIFIED, I mailed a request for verification and have not received anything, please help. 
I have been denied credit because of the inaccurate information on my credit report that is not mines, the credit reporting agencies is not accepting the fact that this identity theft, they are in violation of my rights.
Product: Student loan

Hello, I attended XXXX College and graduated in 2009. I had to take out private loans to afford college. It is over ten years later, and due to the always increasing interest, I have paid OVER {$30000.00} IN INTEREST ALONE! This means most of my private loans have only a fraction paid after over a decade. I actually had to enroll in a XXXX program and obtain more student debt to be able to make more money to pay off more loans. This vicious cycle has kept me up on so many nights, I can not even begin to count. I just need help. I have tried going through XXXX XXXX XXXX to talk to PNC, the private loan company, but they said there is basically nothing that can be done. I would love someone to help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint today to follow up the previous complaint I submitted on XX/XX/2022 requesting the Credit Bureaus to delete the dispute items. I have been asking for the Credit Reporting Agencies to provide me copies of proof of verification which until now, they have failed to do so. Under the Fair Credit Reporting Act, the Credit Reporting Agencies must correct my Credit File by either updating the disputed accounts to turn possitive or by completely deleting the dispute accounts from my Credit report. Once again, I am requesting that the Credit Bureaus remove the following disputed erroneous accounts completely from my Credit Report as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was going over my credit report, I noticed inaccuracies and inquiries that did not belong to me nor do I have any recollection of. Between XX/XX/XXXX and XX/XX/XXXX there had been 14 inquiries from various creditors that I do not recall trying to get credit from. 7 inquiries on Experian, 3 inquiries on XXXX  and 4 on XXXX. I had multiple items marked as delinquent, derogatory or collections that are not mine. 

On XXXX at XXXX I filed a police report with the XXXX Police Department about the accounts and inquiries. On XX/XX/XXXX I then sent certified letters and the police report to all the Credit Agencies concerning these fraudulent accounts. 

I received a response from XXXX  on XXXX with my full XXXX  report stating that they did an investigation. Only a few things that were fraudulent were actually removed. 

On XXXX I received a response form Experian and the same thing was repeated only a few fraudulent accounts and inquiries were removed. I did not receive a letter from XXXX. 

On XXXX I checked my credit report and saw XXXX  removed 16 of the 19 fraudulent accounts, Experian removed 12 of the 25 fraudulent accounts, and XXXX  only removed 4 of the fraudulent accounts. 

On XXXX I wrote to all the agencies asking them to verify how they verified the fraudulent accounts as being accurate. 

On XX/XX/XXXX I looked over my credit report and accounts that were removed were added back to my credit profile and had not been properly investigated or Validated. I then wrote a third letter on XXXX to all the agencies asking for proper Validation, and to delete the fraudulent accounts. 

On XXXX I looked over my credit report once again to see more fraudulent accounts that were once removed added back to my credit profile plus additional fraudulent accounts added to my XXXX  and Experian. XXXX  removed 9 of the 13 accounts. 

On XXXX I flied a supplement police report with the XXXX PD Report # XXXX and also flied an FTC Report # XXXX concerning ongoing issues.
Product: Credit card or prepaid card

I have a capital one visa from cabelas ending in XXXX ... on XX/XX/XXXX I was 29 days past due and my past due amount was of XXXX..I made a XXXX dollar payment via ach that covered this XXXX dollar past due which since I made a payment on XX/XX/XXXX my account should be current..Unbeknown to me there was a limit with the amount of ach transactions with my credit union and the payment had a problem going  through..Capital did not inform of me this issue and once I found out on XX/XX/XXXX I made a payment via debit card..Because of this issue capital one reported to credit Bureau 30 days past due for XXXX even though I went online on XX/XX/XXXX to take care of balance..requesting capital one remove 30 day late payment since I went on line to make payment before 30 days past due
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX was never late This needs to be corrected. Remove this from my credit report. Reported to Experian, XXXX, and XXXX. Please remove this 30 day late payment from all three reports, is it was never late
Product: Mortgage

I have experienced financial hardship as a XXXX XXXX XXXX XXXX XXXXXXXX Veteran XXXX I had to borrow {$3000.00} to keep my mortgage current after numerous correspondences with the XXXX XXXX XXXX XXXX I have been waiting for my Escrow Refund {$3200.00} to be sent back to my Mortgage Company Servicer Movement Mortgage. ( 8 months ) I just paid my mortgage for XXXX for {$1400.00} and noticed that {$400.00} was applied to my balance. This has exasperated me and intensely, irritated, and frustrated my Service-Connected XXXX of XXXX to the point that I'm taking old medications I had stopped taking for 3 years. This has been on-going for the last 8 months which should have been resolved on XX/XX/2023. I was told XXXX to XXXX by a representative at the XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing 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 and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce : was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress, for these violations.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inaccurate information has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following : Account 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

experian is the company involved I continue to report them due to the inaccurate and unauthorized reporting they are doing on my consumer credit report.According to USC 1679c I have the right to have inaccurate informtaion removed from my report. I have never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX this information is inaccurate and I DEMAND it is removed from experian 's data base.This information is hindering me from getting jobs that I seek and thats a violation. There is also in accurate and unauthorized inquiries on my report that are only serving to hinder my life the unauthorized inquiries are XXXX, EXPERIAN XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX  NA, EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. THESE ARE ALL UNAUTHORIZED AND I DEMAND THAT THEY ARE REMOVED FROM MY REPORT.I AM NOT BENEFITTING FROM ANY OF THOSE INQUIRIES OR INACCURATE ADDRESSES.I did not give experian my direct or written consent to any of my personal information and that is my right as a consumer. the only address that i have ever lived at is XXXX XXXX XXXX XXXX GA XXXX I DEMAND THAT THIS IS THE ONLY ADDRESS THAT SHOWS IN MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the loan in XX/XX/2022 the company has not updated this on my credit since and has continually reported that I am currently late with an outstanding balance of {$33.00} I confirmed with the company that my balance is XXXX this still did not update on my credit, at one point different information was reported to different credit bureaus. I disputed the account information as incorrect through XXXX and Transunion. XXXX response was that the information is correct. I confirmed after reviewing this response from XXXX that my balance was XXXX and XXXX once again confirmed this with me despite telling the credit bureaus during the dispute that I still had an outstanding balance and was late. They are clearly willfully providing false information during disputes or simply refusing to investigate disputes at all. I have included the chat transcript where an agent confirms I owe XXXX the disputes results which show XXXX provided false information to the bureaus and screenshots of my account showing no outstanding payments or orders and a balance of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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.