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

On XX/XX/XXXX, I initially disputed a bankruptcy discharge which was reporting on my XXXX and Experian credit reports. As a result both credit reporting agencies falsely claimed that they verified the account with the US Bankruptcy Court XXXX Michigan. On XX/XX/XXXX, I re-disputed the Bankruptcy account again with XXXX and Experian. As a result both credit reporting agencies falsely claimed that they verified the account a second time. At this point I decided to reach out to the Us Bankruptcy Court asking them to provide me with confirmation that their office verified the account with XXXX  and XXXX. As a result the Bankruptcy Court sent me a letter in writing, which I have attached as proof to this complaint, stating that they do not report individual case filings to credit reporting agencies, nor do they update information directly to the credit bureaus. The month of XX/XX/XXXX, I sent a third dispute to both credit bureaus, with the letter from the Bankruptcy Court attached, informing them that I have proof that they falsely verified the account. I also requested for them to provide me with valid proof of how they verified, and if they failed to provide proof to immediately remove the bankruptcy account from my credit report. I understand that XXXX XXXX is the reporting agency that verifies bankruptcies and other public records. I placed a freeze on my XXXX XXXX profile as of XX/XX/XXXX, which would have made it impossible for XXXX and XXXX to verify. The account still remains on both of my credit reports with XXXX and experian, which has caused me mental and emotional stress, and I have not been able to obtain several financial goals due to this unverified account being on my profile. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the 317 FCRA, unverified accounts must be removed and if credit agencies are unable to provide me a copy of verifiable proof, the account must be removed. I ask that the CFPB demand this action to help me resolve this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested Experian to provide proof of where the received a bankruptcy records. On XX/XX/2023 experian replied and stated ( The company that reported the information has certified to Experian that the information is accurate ) Experian still hasn't provided the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and show inaccuarte or incompleted information listed to my report. I have been working hard to have my report show complete and accurate information and it has not be easy. I have sent numberous letters to the credit bureaus with no assistance to get account verified or removed and I have be unsuccessful. Finally, I sent an FTC report and item have been removed which corrected my report to show factual information. As of today, I see there has been a reinsertation on my credit report from XXXX XXXX XXXX and I never received a reinseration letter per the Law of FCRA reinsertation act. Please delete account listed below due to direct violation of FCRA. 

XXXX XXXX Account Number XXXX Balance {$4500.00} XXXX XXXX Account Number XXXX Balance {$0.00} XXXX XXXX Account Number XXXX Balance {$3400.00} XXXX XXXX Account Number XXXX Balance {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

PayPal Credit-Synchrony Bank closed my account and reported it to the credit bureaus as settled. This lowered my credit score significantly. 

I contacted PayPal Credit and was told the account was closed due to two missed payments. I have not missed payments. My account, which was open for years, had monthly scheduled automatic ACH payments through my bank account. My account details did not change and funds were available. My bank ran a report of my account activity. The report verified that I had XXXX overdrafts or returned payments. The report also confirmed that PayPal Credit did not present my scheduled ACH for payment during the months in question. 

I provided this information to PayPal Credit. They reinstated my account without my permission, now there is derogatory reporting due to the combination of the settled account and new account reporting errors. 

The final issue is that PayPal Credit has not resolved the reason my automatic draft was not presented for payment. They have directed me to resolve this matter with PayPal Customer Support. PayPal Customer Support could not resolve and deferred back to PayPal Credit. I am without resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used to try to open 3 new credit cards. Experian credit was involved in the inquiry. A credit card application was attempted from : XXXX  XXXX, XXXX, & XXXX XXXX XXXX.
Product: Debt collection

Currently garnishing my wages even though they already have the money owed. The collection with XXXX XXXX is also still listed on my credit accounts with two different balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information - everything an identity thief would need to open accounts in my name - was affected by the Equifax data breach and is now, effectively, public. Rather than promptly informing consumers of the breach as soon as it was discovered, Equifax waited six weeks to publicize what happened - perhaps so its executives could sell off stock before the predictable price drop. Furthermore, Equifax has not even notified affected consumers directly, except for the minority whose credit card information or other documents were also stolen. Equifax 's negligent security practices are all the more galling given that consumers can not reasonably opt out of credit reporting to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't 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 XXXX XXXX XXXX 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 homeless n cant provide to my XXXX  XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

ANFI has reported a collection item to the credit reporting agencies on me that is false. The collection is on a XXXX bill which I never incurred. I have never had XXXX. I disputed it but the agency will not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 at XXXX XXXX I called XXXX XXXX XXXX ) XXXX about incorrect inquiries on my report. Once on the phone I notified the customer service rep of my concerns and he placed me on hold. He then disconnected the call without explanation. I am confused and time has been wasted. I was also a part of the data breach and was affected negatively. I was denied credit, housing, and higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

there was fraud under my name and these 2 accounts keep coming back each 6 months, I want them removed an this to stop.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries that are appearing on my credit report. Upon reviewing my credit report, I discovered multiple inquiries that I did not authorize or initiate. I believe these inquiries are in violation of the Fair Credit Reporting Act ( FCRA ) and demand their immediate removal. 

I want to emphasize that I did not apply for any credit or authorize any entity to access my credit information on the dates indicated above. These unauthorized inquiries are detrimental to my credit score and financial standing.

Furthermore, it is my understanding that these inquiries may constitute violations of the FCRA. Specifically, I believe the following provisions have been breached : XXXX. Lack of Permissible Purpose : Under the FCRA, entities are only allowed to access an individual 's credit report for permissible purposes, such as in response to a credit application or with the individual 's consent. Unauthorized inquiries made without a valid permissible purpose violate this provision. 

XXXX. Failure to Obtain Consent : Even if an inquiry is made for a permissible purpose, the FCRA requires that the individual 's consent be obtained prior to accessing their credit report. I have not provided consent for the inquiries in question, thus constituting a violation.
Product: Debt collection

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

Account : XXXX, in the amount of {$610.00}
Product: Credit card or prepaid card

My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MI XXXX. XXXX. My email address is XXXX. 

I had a Citibank credit card for several years. I can not give you the credit card number as I cut the card up and threw it away. The original last XXXX digits of the disputed card the charges were made on is XXXX. The last XXXX digits of the card that they sent to replace that one is XXXX and that card has also been cut up and thrown away. 

On XX/XX/2021, I received a telephone call from Citibank indicating that charges were being made to my credit card in XXXX, GA. They asked if I made or authorized these charges. I told them they called me on my home phone in XXXX and so " no '' I did not authorize or make those charges. They immediately closed my account They indicated that XXXX charges ( {$50.00} XXXX ) were made on my card at Performance Prediction XXXX GA ) and XXXX charge for ( {$61.00} ) at XXXX XXXXXXXX # XXXX XXXX XXXX Ga. I was told these charges would be removed from my card. 
When my statement arrived, all charges were listed for payment. I disputed it. The following month XXXX of the Performance Prediction charges and the XXXX XXXXXXXX charges were removed. XXXX Performance Prediction charge for {$50.00} remained. Citibank indicates they can prove I made the charge. I have called XXXX or XXXX times ( maybe more ) and disputed the charges. They tell me it will be taken care of and nothing happens. However my bill that was due XXXX listed the remaining {$50.00} charge and added a penalty of {$29.00} because I didn't pay it. Repeated calls to Citibank have been unable to resolve it. They say it's fixed but the telephone calls and emails about the unpaid bills continue to come. I receive phone calls from them EVERY day about the bill and emails every XXXX day. I have filed a police report # XXXX with the XXXX XXXX Michigan Police Department XXXX XXXX XXXX XXXX XXXX XXXX ). I contacted XXXX XXXX on XXXX and he suggested I try to resolve it with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account since XXXX of XXXX and the account has been verified by Equifax and XXXX  multiple times, yet each time they have verified it, they have also altered information, amounts and dates, making the account appear as newer than it truly is. 

I have requested information from XXXX, Equifax and XXXX XXXX XXXX, requesting they provide the information they are using to verify the account and they have ignored my request every single time. XXXX  and Equifax just keep altering the information on the report even though the information was verified as accurate in the previous dispute. With each update, they have caused my credit scores to drop significantly because of the inaccurate information they have been reporting. 

I just recently learned of the CFPB being available to report XXXX  and Equifax to, I wish I had known sooner. I was under the impression they were consumer protectors as well. I have not been able to be approved for student loans while I was going to school and have missed two semesters since. It seems absurd they could have access to your credit and cause such damage that literally impacts you and your childrens lives so negatively. 

I have kept records throughout the process, copies of certified letters, receipt of those letters and responses in the updating that was done. The most recent response was altered again and is still reporting inaccuracies and violations. 
No Credit Limits reported Inaccurate High Credit Limits No Closed Dates Closed Dates were actually removed Date of Last Activity has been updated to appear newer Date of Last Payment has been updated to appear as newer It was not a paid collection Date of First Delinquency has been altered The Date of First Major Delinquency was updated to XX/XX/XXXX The Date of First Major Delinquency was JUST changed to XX/XX/XXXX XXXX   and Equifax have ignored my requests to provide the verification information available XXXX  XXXX XXXX  has ignored my requests for information on this account None of the reporting agencies have provided any information on this account, yet they keep changing it after they reported each previous time the account was verified. XXXX  removed the account from my report due to the inaccurate information.
Product: Money transfer, virtual currency, or money service

A bogus merchant debited my account for {$32000.00}. 

US Bank claims I had a merchant contract and I did not with have such a contract and they failed to provide any documentation. 

I was told by business services that anybody to take money out of my account, using my account number, routing number, and name I was told by the fraud department that I was supposed to contact the merchant who was the perpetrator. 

I have been stonewalled department I have been robbed of all my money and they say they cant do anything about it. Im trying to work with my local branch, but corporate is doing absolutely nothing. 

Please help. U.S. Bank is telling me law-enforcement is my only recourse. At this point, Ive contacted the OCC, the FBI, the Colorado Bureau of Investigation, local law enforcement, the state, Attorney General I have not received a response and at this point I am going to engage in attorney to sue US bank for negligence, pain and suffering, legal fees court costs and of course the original amount. 

Please investigate this matter so that it never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 13 hard inquiries on my credit report. I only recognize 3 of them.
Product: Credit card

I RETURNED A DRESS WHICH THEY DONT HAVE A RECORD I DO NOT OWE THIS AMOUNT MY BALANCE IS A XXXX THEN IT WAS SENT TO COLLECTIONS. 

This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX
Product: Debt collection

I reviewed my credit report and discovered accounts that appear unauthorized and incorrect. Kindly remove and block these fraudulent accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX , XXXX. XXXX {$9100.00} XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$8000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I went into the XXXX XXXX XXXX of XXXX in XXXX Alabama. A salesman greeted me and I told him that I just had my car refinanced and cut my interest rate in half, etc., but had noticed {$3500.00} incentives for a new XXXX XXXX, which I am interested in and the incentives ended in 2 days. We did the usual looking at my car and what they had available. I told him that my credit wasn't the best, have really been working on it ; I was out of work over 9 months because of a workplace accident, and workers comp isn't much. I knew that XXXX XXXX  XXXX  has a program to help, and the {$3500.00} incentive would really help. The salesman was XXXX. XXXX. He took my car keys to value it as a trade then when he came back said he would give them to me later. I was curious. I only wanted him to try XXXX XXXX and told him so. Quite a while later he came back and said that he couldn't get it financed. I asked for my keys back and he had to get them. I kept hearing notifications on my phone, and angrily told him that my Experian credit report, that I monitor, had " hard pulls '' for credit checks at least 5 times. I was LIVID. There were 19 total, the only activity on all 3 reports for that day, XX/XX/2021. XXXX  had 9 ; XXXX had 5, and Experian had 5. I found this out the next day. Two things are happening because of that ; my score is greatly lowered and the inquiries stay on there for TWO years. And if I apply for any other type of credit product, it looks as though I'm being irresponsible and just applying for anything ... not a good credit risk as they would see it, and it affects my ability greatly to try for another vehicle any time soon. I was just approved for a refinance loan! Furious. Only gave permission to check XXXX XXXX.
Product: Credit reporting

I have mailed copies of my DL and Court documents via US MAIL and no response I have uploaded my documents to their site and no response I have faxed my documents to them and no response on the update of my personal information
Product: Credit card

On XX/XX/XXXX, someone placed an online order using my credit card at a XXXX for {$640.00}, and then they tried to purchase roughly {$900.00} worth of merchandise at XXXX, which Bank of America denied due to suspicious activity. Within the hour, I reported this as fraud, and Bank of America opened an investigation and sent me a new card. On XX/XX/XXXX, Bank of America got back to me and denied my fraud claim saying that " I received the merchandise '', which isn't true since I didn't purchase it and wasn't in the same city where the transaction occurred. After this, they published the transaction to my credit card statement, so I'm currently on the hook for the {$640.00}.
Product: Credit card or prepaid card

On XX/XX/2019, I went to pay my credit card payment on one of my XXXX cards ( I have several ). I noticed the last time I paid my bill, that I paid the wrong card which caused me to have a missed payment, I called XXXX and the associate said she could transfer the payment of XXXX I made in error to the correct card. I agreed to do this. Then overnight the credit card company lowered my credit limit on the card I paid in error by almost XXXX USD BEFORE the payment was transferred. This now has me over the limit on the card they moved the payment from. I was given XXXX warning. Now I have an over the limit credit card ( XXXX dollars! ), and I have never in my life missed a payment. This harmed my credit and financial situation, and I was given XXXX warning.
Product: Checking or savings account

On XX/XX/2024 I deposited a check at a citi bank branch with a teller, after a few days of the funds being on hold it cleared up and was available to use, after going to the atm citi blocked my card, upon calling them and verifying everything they told my account would be under review for about 24 hours then I would have access my funds. It has now been over a month and I still dont have access to my account or my funds, citi has not provided a valid reason for doing this, exhausted all my options with them and have no where else to turn as this situation is very stressful one especially in the financial climate we are currently in