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

On XX/XX/XXXX I sent a letter to XXXX, TransUnion, and XXXX asking them to verify XXXX accounts and unauthorized inquiries on my credit report by providing an original contract or other document with my signature that would prove ownership of the accounts. I requested that if they could not verify those accounts with a signed document, that they should remove them from my credit report immediately. It has been XXXX XXXX and I have not received any correspondence in relation to my letters indicating that an investigation has begun or that the accounts have been verified. I sent another letter on XX/XX/XXXX informing them that I had not received a response and that I required a response immediately. Their reporting of unverified reports is hurting my ability as a consumer to qualify for certain credit and housing applications. I have attached the aforementioned letters for reference.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX XXXX XXXX & XXXX j : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX & XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX  XXXX XXXX, XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX & XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX & XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged off account on my credit report from XXXX  XXXX for {$540.00}. I have filed a claim with all XXXX credit bureas XXXX, XXXX and Experian. Stating this account is not mine and that it was fraudelent account. All XXXX credit reporting have completely different information on all bureas.Some no payment history. XXXX has different opening date. SO i called capital one and ospoke to a representative and they hung up in my face after being on hold XXXX hour. Then i called back to asked for verification of account such as whats the email address on file, what address it went too, what account the payments was made from etc. They did not provide me wiith this information. This company has clearly violated my FCRA rights. This is slander my representation as a human
Product: Debt collection

I am writing to discuss some concerns I have with the company CLX Systems at XXXX XXXX XXXX, XXXX MN XXXX. This company, as I understand it, is a medical debt collections business. They were assigned to collect a debt that I owed to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, MN. The debt was approximately {$260.00}. I was charged this amount for three fillings done in XX/XX/XXXX, after being given an estimate of {$0.00} -- the clerk at XXXX XXXX XXXX assured me that my insurance would cover the fillings. 

When CLX Systems contacted my about settling the debt in XX/XX/XXXX, I promptly responded. I set up an automatic payment arrangement with CLX, where I authorized them to take {$35.00} from my health savings account each month. Payments were withdrawn on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX for a total of {$100.00}. XX/XX/XXXX was an abnormal month where my employer had three scheduled paydays -- falling on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. The third paycheck did not have any benefits deducted from it -- including the health savings account deduction. For that reason, there werent enough funds in my health savings account at the beginning of XX/XX/XXXX when CLX tried to withdraw the fourth automatic payment. 

At this point, CLX called me, and I promptly researched what had happened ( I wasnt closely monitoring my health savings account ), called CLX back and made a {$70.00} payment from my XXXX on XX/XX/XXXX. At this time, I was under the impression that CLX would continue taking automatic payments from my XXXX account. 

CLX did not take any more payments from this account, they did not call me, and they reported the {$93.00} remaining balance to XXXX on XX/XX/XXXX-- automatically taking approximately 40 points off my credit score. If I had known that they were intending to report this to the credit bureaus I would have settled it immediately. The representative from CLX assured me through the whole process that nothing would be officially reported to the credit bureaus. 

To make things worse -- when I pulled my credit report in XX/XX/XXXX ( in an attempt to qualify for a home loan ), and saw CLXs claim, I called them immediately and paid the remaining {$93.00}. The representative, XXXX, was fairly rude and made derogatory comments, like now, dont you feel good about yourself, now that you have fixed your mistake. It was very unprofessional. 

I would like them to remove this from my credit report. I also would like to see CLX be subject to more oversight -- I have not been treated professionally or ethically, and I think that its possible that they are treating other people in the same fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to obtain my free consumer report from TRANSUNION but was not able to do so with ease. I am very frustrated because this report is to be accessed with ease pursuant to 15 USC1681 h ( c ) ( 1 ) ( B ) ( iv ) but receiving my report has not been easy for me.
Product: Credit reporting or other personal consumer reports

I had a mortgage with XXXX atXX/XX/XXXXXXXX, Ohio XXXX and filed aXX/XX/XXXXbankruptcy they are reporting that my account was 90 days late but that was due to bankruptcy under their protection when setting up the payment plan thru court and was not truly late and it is hurting my credit. I should not be punished when I was under court protection and they are the ones that took so long to distribute the payments. I paid on time myself. Please remove these inappropriate reported late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and XXXX XXXX XXXX on behalf of XXXX XXXX XXXX ; I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and Experian with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX and Transunion in regards to incorrect items on my credit report for a Chapter XXXX and Chapter XXXX Bankruptcy. I submitted letter from bankruptcy court to credit bureaus indicating they do NOT verify information to credit bureaus. Its against the law and its a violation of invasion of Privacy Act. It has been well over the 45 days and I haven't received any investigation results. I have several items on my account that needs to be removed. 

Chapter XXXX - Bankruptcy Chapter XXXX - Bankruptcy
Product: Credit card

I signed up online for a promotion from Discover for a credit card offering a 12 month 0 % balance transfer option. I was approved and proceeded to transfer {$1500.00} from a XXXX XXXX card with a high interest rate. When I received my first bill from Discover, it showed an interest charge for the balance transfer. I contacted Discover, and they are telling me that we replied to a " counter offer '' with different terms. This is incorrect. Everything was approved during the initial application online. Even now, when I do a soft inquiry on their website to see what I may be approved for, the offer is still open to me to submit a balance transfer at 0 % interest for 12 months. Discover has said they will review it, but to allow up to 30 days for a response and in the meantime I should consider transferring the balance to a different company. This is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}.
Product: Debt collection

I never had a account with Affirm and until I tried to get a new phone thru XXXX  when mine broke in XXXX I was told I have a past account with them. I called Affirm and was told on XXXX  there was a {$150.00} charge on my XXXX XXXX XXXX XXXX account that I never knew was charged and XXXX  {$68.00} and was given credit XX/XX/. On XXXX  I was charged {$76.00}. I was told my Affirm since the charges are so old I could file a dispute with my bank and I did and got my money back however these accounts that aren't mine are listed on my credit and I have asked via phone call and letter that was sent back Account numbers listed are XXXX & XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an entry on my credit report that pertains to debts I do not recognize. The entries under : - Credit Collection Services. XXXX XXXX XXXX XXXX XXXX  appears to be inaccurate and unverifiable.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Account Number : XXXX ( XXXX ) XXXX XXXX XXXX Account Number : XXXX ( TransUnion ) XXXX XXXX Account Number : XXXX ( TransUnion, XXXX ) XXXXXXXX XXXX Account XXXX XXXX XXXX ( TransUnion, XXXX ) XXXX Account Number : XXXX ( TransUnion, XXXX ) Account Number : XXXX ( XXXX ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting. 

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately. 

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i. 

Thank you for your urgent attention to this matter.
Product: Credit reporting or other personal consumer reports

I have been paying on time every month since the mortgage was initiated. I have also paid property tax and insurace on mine. They keep making mistakes. See the attached documents.
Product: Credit card or prepaid card

On XX/XX/2019, I received mail from multiple sources informing me of credit card accounts that had been opened, activated, and used in my name. I had not opened any of these accounts and I realized someone had done this fraudulently. I began contacting the appropriate businesses to notify each of the fraudulent nature of the spending, I froze my SSN with the major credit reporting agencies, and I filed a police report with my local police department providing them with all of my relevant documentation. I have since requested credit reports from each agency and I have updated the police case file with additional evidence that has come my way regarding other fraudulent activity. 

Throughout the fraudulent activity, over {$4500.00} was spent in my name in at least three different accounts that were opened at various large retail outlet stores including XXXX XXXX, XXXX XXXX, and Dick 's Sporting Goods, through store credit cards accounts ( financed through XXXX and Synchrony Bank ). At least one week passed between the first fraudulent activity and the date when I got the first bills in the mail which alerted me to the situation. As for breach of personal information, it is my understanding that my name, address, cell phone number, and social security number were all included in whatever information was taken and used against me in this case of identity theft.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ) Representative, I am writing to formally dispute TransUnion 's reporting of an account that violates both my rights under the Fair Credit Reporting Act ( FCRA ) and state law in Oklahoma. 
TransUnion has reported an account from XXXX XXXX  XXXX, which is related to a purported debt to XXXX XXXX XXXX XXXX XXXX. This account was allegedly opened on XX/XX/XXXX. However, this debt falls under the Oklahoma statute of limitations on oral contracts, which is three years. As such, this debt should not be legally collectible nor reported. 
I have explicitly disputed this account with TransUnion, meeting the FCRA requirements for reporting accuracy. Despite this, TransUnion has not taken appropriate action to investigate and correct this erroneous reporting. This failure to comply with the FCRA and Oklahoma state law constitutes a violation of my consumer rights. 
I request that TransUnion promptly and indefinitely remove this account from my credit report. Failure to do so will result in escalation of this matter to the Oklahoma Attorney General 's office, as I have consulted legal counsel and have been advised of my rights in this matter. 
Please find the details of the account in question below : Creditor Name : XXXX XXXX XXXX XXXX XXXX Reported by : XXXX XXXX XXXX Account Status : Open Date Reported : XX/XX/XXXX Balance {$180.00} Highest Balance {$180.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) I appreciate your prompt attention to this matter and look forward to a resolution in accordance with the law.
Product: Checking or savings account

I request a dispute with Cash App they denied it I report it on app and only send me a email of denial I submitted XXXX dispute due to my XXXX XXXX reverse the credit of XXXX. Cash app didn't look into it I told them I didn't authorized this transaction and my money was put to XXXX and cashapp doesn't want to refund and my bank took the XXXX back
Product: Debt collection

Performant called XX/XX/XXXX at XXXX XXXX, left no message. 
Performant called XX/XX/XXXX at XXXX XXXX, left no message. 
Performant called XX/XX/XXXX at XXXX XXXX, left no message. 
I know of no debt, past or present, that I owe to anyone.
Product: Student loan

Navient/XXXX XXXX is the company. <P/>I 've had issues with misalocated payments every year since 2007 when i graduated. These are with my private loans. At one point XXXX XXXX put my loans on watch for the misalocation and it stopped happening. this took about 4 or 5 years of me calling them every month for them to take care of it. then Navient took over and its started again. Also I will have to call them again by next month about the same issue again. The part of this that make it worse is the ones having the issue are the ones my parents are cosigners. part of the issue is due to part of my loans going on default. but {$1000.00} plus a months in payments i ca n't afford it. i pay about $ XXXX {$270.00} for these loans a month My federal loan i have with them i try to get IBR plan for it but they deny me every time and when i go back to start payments again the total owed each month goes up again. i pay {$55.00}. but when i started paying them back i was paying {$48.00}.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX account # XXXX is a checking account that was negative {$17.00} and went into charge off I have paid the full balance off but this account is still reporting on my credit report as negative remark and its destroying my reputation and borrowing power with other lenders this is This is defamation of character. THIS IS VIOLATING 15 U.S.C 1692.This is a Checking account charge off not a credit obligation contract example ( Credit card, personal loan, Car Loan ) so this shouldn't be reporting on my credit reports e i'm requesting all credit agency 's ( Transunion, XXXX, XXXX ) to remove and block to account from future reporting onto my credit reports immediately. 

I will Below attach my proof of identification for all credit agency that's mentioned in this dispute.
Product: Debt collection

Correspondence was sent to  NCC  on  XX/XX/2016    inquiring about a {$10000.00} debt reported to   XXXX  ,  XXXX   &   XXXX . I requested information regarding the company to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   I believe that this debt is not mine and the fact that NCC has never provided any verification of debt, further proves this for me.   FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illegal for NCC to continue reporting this debt.
Product: Payday loan, title loan, or personal loan

When I went to apply for this personal loan using car as collateral, it didn't advise me that the loan value had to be higher than the amount owed on the car loan, until after they ran my credit. There were no alerts or notifications about that potential before they ran my credit. 

I would like this hard inquiry removed because they were operating under a false premise and promised me a loan before giving me all the details.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, DEPT OF ED Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

There are two items on my Apple Credit Card that I do not seem to be able to get Goldman Sachs to resolve. I understand they are extremely new to consumer credit cards, but it is nearly impossible to get any documentation out of them and to keep track of anything going on with the investigations. I am uncertain if they ever look at the supporting documentation provided via email. The transactions I am having issues with are {$560.00} from XXXX on XX/XX/2021 and {$290.00} from XXXX on XXXX/XXXX/2021. I have brought these to XXXX 's attention several times but have been unable to workout a proper resolution for either. I have never received the purchase from XXXX to this day and have been unable to resolve the issue with the company ( it is an independent seller within XXXX platform that sold me shoes but never delivered ), and XXXX  delivered another item in place of what I actually ordered in XXXX and I've been unable to resolve the issue either with Goldman or XXXX. For above reasons, I'm looking to dispute both transactions and have {$860.00} credited to my Apple Credit Card.
Product: Credit card or prepaid card

On XX/XX/2023, I applied for a credit card through Wells Fargo and was illegally denied. 
After being denied, I send an adverse action letter to Wells Fargo on the XXXX of XXXX. I have yet to still hear from them in regards to my demands for remedy. 

As per 15 U.S.C 1691, and 12 CFR 1002.4, a consumer can not be denied credit based on any aspect of a credit transaction.

FRA 16 Part 2 states that my application was collateral security in a credit transaction. I was not granted the use of my credit, but my credit was used and there was unauthorized use of my Personal Private Information. 
18 USC 8 defines what other securities are in regards to the US debt.

15 USC 1431 defines the duties and powers of banks. The power of a bank is to BORROW.

15 USC 1602 ( J ) defines an 'open ended " credit plan. 

I will also send a Notice of Default to Wells Fargo for not responding to my Adverse Action letter or my demands for remedy. 
The only form of communication that I will consent to is written. 
Further non-compliance will result in a Notice of Fault & a suit filed in US District Court.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings at Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I would like to request an investigation into my transactions. Navy federal also allowed a merchant to withdraw funds from my account with having the correct debit card information which caused numerous of overdraft fees.
Product: Credit card or prepaid card

I opened a credit card account with JPMorgan Chase bank in 2018. Shortly after opening the account, JPMCB found a previously closed account ( XXXX ) and defaulted all of my login credentials to the old account. Locking me out of my account. 

I missed a payment due to this and JPMCB decided to file a missed payment to credit bureaus. My credit score has been largely effected by this and this is the only instance of me missing a payment. 

from XXXX, and from XXXX. This is the only instance of not paying my CC on time. Due to being locked out of my account because of an error made by JPMCB. Despite contacting them, they declined to withdraw the report.