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

Account XXXX XXXX XXXX XXXX XXXXn accordance with the Fair Credit Reporting act 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 consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have visited multiple car lots and only authorized a credit check once but it was checked numerous amount of times. Which impacted my credit in a negative way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Transunion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information 's about my inquiries are still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that is still reporting on my account and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IT HAS NOW BEEN 32 CALENDER DAYS PAST FROM THE DATE XX/XX/2023, UPON RECIEVING MY REINVESTIGATION DISPUTE LETTER FOR BOTH XXXX XXXX XXXX EQUIFAX THE FOLLOWING DOCUMENTATION OF FURNISHED INFORMATION IN DISPUTE IS INDEED SHOWING MULTIPLE INACCURACIES, INCOMPLETE & UNVERIFIED ACCOUNTS! 

AND ARE NOW AND HAS BEEN IN VIOLATION OF THE FOLLOWING FDCPA LAWS! 
15 US CODE 1681i ( a ) ( 1 ) ( A ) 15 US CODE 1681i ( C ) 15 US CODE 1681i ( 2 ) ( A ) 15 US CODE 2681i ( 6 ) ( 7 ) PLEASE DELETE THESE ACCOUNTS
Product: Debt collection

I attempted to contact the company several times because this account is inaccurately being reported to my credit report. This account was fraudulently sent to collections. This is a medical bill that was supposed to be submitted to my insurance company. The bill I received stated it was sent to my insurance however my insurance has no record of this claim. I also had secondary coverage on the date of service and therefore I would have never been responsible for this debt. Also under the new XXXX XXXX any XXXX XXXX under {$500.00} can not be reported. The original bill was {$600.00} and I have proof of {$200.00} worth of payments. They are reporting that I owe {$780.00} as the original balance when I have proof that amount was never owed.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I buy products on line mainly from XXXX, one and only form of payments, vendors accept is through western union. The way it works, i transfer money, western union gives me MTCN number and i provide that number to potential vendors to collect payment and ship out my order. This cause a tremendous frustration, western union put transaction on hold / under review for many many days, without even notifying me. They charge full transactio fee, i provided all kind of ID ( copy of my drivers license, passport ) everytime, still under review. Calling customer support, they put on ever lasting holds. All i want to let transaction go in timely manner provided i paid all the fees and provided all kind of documentation, they asked. This cause financial set back to me. Can you please help me regarding this matter. My email is " XXXXXXXXXXXX " contact number XXXX. Thanks. Looking forward to resolve this matter. I understand, western union has to follow certain guidelines, but i provided all requested information and each time over and over again, they asked the same information.
Product: Credit card

This is in reference to Complaint # XXXX. 

XXXXXXXX XXXX  from Wells Fargo Enterprise Complaints Management Office just called me to tell me that they have denied my claim on all fronts. ( Your office will be informed of this as well, she assured me. ) She apologized for how improperly my case was handled but confirmed that Wells Fargo would accept no liability in this case and I am now responsible for the full amount. 

I asked if they were able to trace the IP address where my account was accessed and if they were able to trace the ATM transaction at the end of the scam. They said they were not at liberty to share that information with me. I have no evidence that they have done ANY investigation into this matter. 

Is this not a Regulation E situation? If I am reading the law correctly, I should be liable for {$50.00}, not the full {$15000.00}. I informed the bank MOMENTS after the fraudulent activity occurred. I have been back and forth with them now for three months. 

Please advise... 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, have recently discovered that I have been a victim of identity theft. Below are the incorrect transactions or experiences that I was not aware of being reported to my consumer report, nor did I give my expressed consent to allow such reporting. I was not the beneficiary in the inquiries listed below and on my consumer report and was unaware of such inquiries until now. The transactions/experiences as well as the incorrect personal information is to be deleted from my consumer report as it is damaging my reputation and alters my being able to provide for my family. Please remove and delete the following transactions/experiences : 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  ( acct XXXX ending in XXXX ; delete late payment reported XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX ( acct XXXX ending in XXXX ; delete late payment reported XX/XX/XXXX ) Erroneous Names & Addresses XXXX ( Formerly Known As ) XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, MO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR. XXXX XXXX XXXX XXXX  XXXX, XXXX, MO. XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, US BKPT CT TX XXXX acct # 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 an account without my written instructions.
Product: Student loan

I have been working on repayment of my loan for quite some time. They have continuously recommended forbearance and other payment plans, that would in turn require me to end up paying way more then what I should have in the first place. EX. Borrowing/Loan was XXXX in all I have now been made to pay approx. XXXX due to interest incurring based on their recommendations of a forbearance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an adequate 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 an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with era resolution requirements under the electronic fund, transfer act ( EFTA ) and Regulation E, these actions have caused significant inconveniences in financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the XXXX XXXX XXXX XXXX  during the months of XXXX and XXXX of XXXX. I was in and out of the ER due to XXXX XXXX as well as for XXXX XXXX XXXX that were increased due to the stress levels caused by the pandemic. Today XX/XX/XXXX I have attempted to reach an agreement with the lender. However they would immediately tell me it was a no go situation without providing me with other options until I mentioned I had filled a complaint with CFPB, then the representative created a complaint for further investigation. I am not trying to fool anyone nor provide false information to the bureaus I simply want to get my financial life somewhat back to what it was to the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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
Product: Credit card or prepaid card

Chase Bank is offering three separate offers for the " Freedom Unlimited '' card, claiming that they're all the same card. To me, this seems like a highly deceptive practice as it's based on a random factor of a user visiting the site. Refreshing the page will provide additional perks to a card - for the life of the card. Please see attached screenshots for an explanation of what I'm talking about.

It doesn't seem legal, fair, or ethical for chase to offer additional " card benefits '' if a user refreshed the page. It doesn't seem correct that this is based SOLELY on random chance, and yet they claim that it's the same card. A card with 0 % on 299+ is not the same as a card with 16.49-29.99 % interest after 15 months.

Chase has attempted to claim that it's a new customer bonus ; however, I don't feel that's the case when the 0 % interest for 6 months on purchases of {$290.00} ( for life ) is listed as a card benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per XX/XX/XXXX Report, Summit Financial Corp has reported inaccurate 30-80 days late payments between XX/XX/2019 and XX/XX/2019, stating you made 2 out of 4 payments on time ( or didn't have a balance to pay off ). Currently it is showing as the month of XX/XX/XXXX and XX/XX/2019 as late payments, which is incorrect since my account was transferred to XXXX XXXX XXXX and they have reported correctly as On-Time for all three credit bureaus ( XXXX, XXXX, and XXXX ) for the month of XX/XX/XXXX and XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was illegally stolen, used and traded by the following person : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I filed a complaint with the FTC. My FTC Complaint # is XXXX. The following accounts need to be deleted from my credit profile immediately. 

2 accounts were fraudulently opened in my name.

1 ) XXXX XXXX XXXX - Limit {$700.00} Opened : XX/XX/XXXX 2 ) XXXX XXXX Limit  {$300.00} Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Experian sent me a investigation results stating they verified bankruptcies under my name with XXXX, However I sent Experian a report from XXXX that they are not reporting or showing any bankruptcies under my name. Experian continues to lie about reinvestigating my dispute. on XXXX XXXX I sent Experian a police report and my FTC fraud claim showing that those bankruptcies do not belong to me and is FRAUD. on XXXX XXXX they sends a letter saying they will remain as of they XX/XX/2020 investigation. Per law they are to investigate whenever new information is provided and they failed and ignored my request and ignored my police report. I am also sending copies of this and letter to attorney general. Experian is trying to deny my right to dispute. Experian will not remove the false information on my report. Experian replied and stated it was still verified without sending me any documentation or proof of an actual investigation. Only thing they sent was an investigation from XXXX still remains and did not accept my new information for the dispute I sent in XXXX with new information and POLICE REPORT. 

I know per the FCRA I have to give them 30 days to correct a known mistake within my credit file and at this point they have been granted that time, this is a formal notification that I plan on filing a complaint with the Attorney General, and XXXX against Experian company if this bankruptcies is not deleted from my credit report IMMEDIATELY! 

US BKPT CT  XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018I made a purchase in Colorado while on a work trip for {$140.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO. Part of the purchase included a product that was faulty, it did not charge correctly, so I took it back. I'm not sure of the exact amount of faulty product, as my email receipt from XXXX only has the total amount, but I believe it be {$90.00} - {$100.00}. The seller refused to refund, return, or exchange the product without a physical receipt even though I had a square receipt in my email inbox. 

I made a call to XXXX XXXX Visa Credit Card Services on XX/XX/2018 at XXXX to make a dispute. I relayed my story to XXXX regarding the seller refusing to return, refund, or exchange. The case was opened and a temporary reversal of the transaction was reversed. 

On XX/XX/2018 the transaction was re-reversed. I received a letter shortly after stating my claim was resolved, and that the charge would be placed back on my account. The reasoning as stated in the letter was that the charge was a valid charge. There was a copy of the receipt in the letter, which XXXX have may obtained from the seller or the seller 's bank. On my call to XXXX on XX/XX/XXXX, I never claimed the charge was not valid, but rather that the seller refused to return, exchange, or refund a faulty product. 

On XX/XX/XXXX, I made another call to XXXX asking to explain the reasoning of the letter and compare that to my original claim. I told them why I was confused, as the reason in the letter had little do with my original claim. The representative provided little information, but told me my case manager would call me with 48 business hours. I was not called back. 

On XX/XX/XXXX, I made another call to XXXX. I asked why I was not called back. I was not provided with a satisfactory response. The representative made inquiries with me why I believed their decision was incorrect. I had to explain the situation, and my original claim to them again. I was told I would hear something from a case manager within a week. 

On XX/XX/XXXX, I made another call to XXXX. I went through the same motions as before in the other calls. I had to explain my situation again, why I was requesting the dispute. The representative stated that I will receive a call from my case manager. 

I believe I have made myself extremely clear in this matter, and am frustrated that I have no recourse for how I am being treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked Experian to provide me with the specific method they used to investigate my dispute with the Bankruptcy Court in the XXXX XXXX of Florida. Instead of providing the information that I have asked for, they keep sending me a postcard with generic information about how they investigate a dispute. Most recently I have sent them a certified letter which was signed for on XX/XX/2020, which resulted with me getting an email with the same generic information that is on the postcards. I am attaching the letters I have sent and the copiers on the post cards. As you can see, I asked for very specific information and in return got a generic postcard and email. I am attaching a copy of the entry on my credit report, because the generic postcard tells me to go to my credit report to determine where the information came from. " Public records concern legal matters associated with you and are gathered from courts and government agencies. '' does not give me the name and phone number of the contributor. " US BKPT CT FL XXXX  '', implies that the government agency that Experian got the information from was the court. I have attached a letter that I received from the Court that says they do not provide any information to the credit bureau. 

The credit bureaus have been allowed to set their own rules and provide, or not provide whatever information they determine they want to provide. I fear we have created a monster that can not or will not be told what to do. They are required by law to provide specific information regarding who they talked to. Specific information that I spelled out in my request in not a preprinted postcard. By ignoring my requests Experian is giving the impression that they are hiding something. Perhaps it is as though all along, they did not verify the bankruptcy with anyone.
Product: Debt collection

Hello, I would like to inform the CFPB that I would like to submit a complaint to Experian credit bureau for failing to validate a debt collection that is on my credit report. The collection is in the amount of {$2900.00}. On XX/XX/XXXX I sent a validation letter to experian to validate a collection that is on my credit report. on XX/XX/XXXXXXXX  I received a email from Experian saying they received a request regarding my credit information that does not appear to have been sent by me. As a precautionary measure, experian did not fulfill my request. I had to call Experian on XX/XX/XXXXXXXX  to clear up the matter and inform them that I sent in the dispute letter and for them to please look into the matter. I was then transferred to several reps only to be informed that my dispute has been validated. However, Experian did not send me any of the pieces of information I requested in my validation letter. I will submit the validation letter I sent to experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I tried to get my free annual report online. The challenge questions seemed to be about accounts I did not recognize. When XXXX would not let me see my report, I sent my request in writing. Equifax wrote back to say they needed Identification and Address documents. I responded onXX/XX/XXXX, including large copies of my Social Security card and Florida driver license ( which shows my current address ). Equifax sent me a form letter, saying, again, that they need Identification and Address documents. So, today I am sending my request to them in writing again, with new copies of my Social Security card and driver license, since they may have lost the first ones.
Product: Credit card or prepaid card

While on a business trip to XXXX I was victimized by a scam resulting in fraudulent charges on my XXXX XXXX XXXX. XXXX fraudulent XX/XX/XXXX charges by " XXXX '' of XXXX, XXXX are ; XXXX ) {$1900.00}, XXXX ) {$950.00}, and XXXX ) {$860.00}. 

I immediately reported the fraudulent charges to XXXX XXXX XXXX and opened dispute cases on XX/XX/XXXX, clearly explaining that I would not be returning to the XXXX until XXXX XXXX, and thus would not be be in position to receive correspondence regarding the matter. I was assured an extension would be put in place to allow appropriate time for me to return to the XXXX to submit documentation and respond to correspondence regarding the disputes. To my dismay, upon returning to the XXXX, I discovered that XXXX vendor " XXXX XXXX '' had already ruled in favor of XXXX, an entity I believe to be associated with organized crime. Initially, I had tried to use my XXXX XXXX  card to make a small transaction with this vendor, but was informed by the merchant the transaction was denied by XXXX. In reality, it was not denied by XXXX, so there is also a double billing matter. A parallel dispute is ongoing with XXXX, and XXXX has provided the attached receipt from the vendor which documents specifically the only items I had intended to purchase. " XXXX XXXX '' indicates they have no interest in reviewing the associated information from XXXX, and that the matter is closed. 

I was never provided a receipt from XXXX, and I returned numerous times to try to settle the matter directly, but the establishment was never open or available. No phone numbers or contact information can be identified online. I was clearly the victim of a scam, and XXXX XXXX XXXX is providing XXXX support or protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXXBalance Owed : {$16000.00} XXXX XXXX  XXXXBalance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$480.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX Balance Owed : {$24000.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance Owed : {$980.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX