23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After taking a trip to XXXX I was notified by creditwise through my credit card app that a XXXX XXXX and a XXXX XXXX card had been opened under my identity. I disputed the XXXXXXXX XXXX and it was taken care of ( this actually happened twice within a few month span ) This was removed from my credit report. 

My first step was to Call XXXX and have them open an investigation. 

I then opened a dispute with XXXX on XX/XX/2023 when I because aware of the issue. File # XXXX. They verified the account as accurate and updated which is incorrect. 

I then filed multiple disputes with XXXX on XX/XX/2023. Report XXXX XXXX. All of which were deleted from my report, please see below. 

XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

I then filed another dispute with XXXX XXXX XX/XX/2023. Report XXXX XXXX. During this dispute they removed another " XXXX '' fraudulent account along with a THD/CBNA account. 

For some reason they did not remove the XXXX XXXX account but instead said it was verified and updated. Please see below. 

XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/2023 Deleted This item was removed from your credit report. 

XXXX XXXX Account XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

XXXX Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

Equifax is showing the account as closed. I don't understand how the different bureaus are showing this in different statuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over thirty days ago, I wrote to Credit Bureau indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureau has not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence.

Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from your office.

I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that this misleading have been removed. 
Wrong amount is being reported : XXXXXXXX XXXX XXXXXXXX NEVER LATE.
Product: Debt collection

Resurgent/LVNV FundingXXXX XXXX , this company has two accounts on my credit report and I have no responsibilities to this company. I do not have an account with this company and without any notices, this company placed negative marks on my credit report. I do not know this company and never had any business with this company. 
Date : XX/XX/XXXXXXXX  updated on my credit report {$460.00} Date : XX/XX/XXXXXXXX  {$660.00}
Product: Student loan

I am paying an exit fee of a {$100000.00} just for leaving XXXX University. I am very concerned, for I should not be paying this just to leave. It says that it is to pay off my XXXX Loan, on the XXXX which is also through Navient. I pay {$53.00} every 20 days and now that amount is going to be boosted up to {$120.00} come XXXX XXXX because it 's not after the grace period? which I am not sure what that completely means. I have talked to them about this but they have n't fully explained. They just change the subject and do n't actually answer the questions I ask. I just recently started paying off my students loans of {$340.00} a month. I do n't think I should be paying an exit for leaving school.
Product: Credit card or prepaid card

I did a credit report and it showed that I have a balance of American Express, which I never received correspondence regarding any balance or ever knowing that the account was open.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, have been a victim of identity theft due to the Equifax Data Breach and the XXXX XXXX  Data Breach, which exposed all of my personal information as a XXXX resident. I'm XXXX XXXX XXXX and have been doing an excellent job of watching my credit report when possible. Still, unfortunately, I have been a victim of identity theft, and my credit report is not reflecting accurately with several inquiries that are not mine, not of my knowledge, and due to identity theft. 

XXXX XXXX XXXX Inquiry date : XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX Inquiry date : XX/XX/2023 XXXX XXXXXXXX XXXX Inquiry date : XX/XX/2023 XXXX  XXXX XXXX Inquiry date : XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XX/XX/2023 I have no account with the companies below, and the identity theft inquiries are as follows.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting XXXX  fraudulent inquiries. I did not apply for credit with XXXX XXXX  and its being listed on my report. Please remove the following fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago I was late a bit on my student loan payments. I acknowledge that I am the one responsible for making on time payments and for years have been dealing with the consequences of said delinquency 's. I was only late because of a financial hardship in the family that left me taking care of my mother after a car crash  when I was XXXX. I have been cleaning up my credit and have made on time payments for years now. I tried to ask XXXX they would request the removal of the negative items via a goodwill intervention letter. I have asked all three of the bureaus to remove the negative item using the same method. So far they have not. I love XXXX, XXXX, Experian, and XXXX  and I have faith that after hearing my side of this they will help me and do the right thing. So maybe my wife and I can finally move past this and buy our home. I don't want to pay a credit repair company when I know the government and the laws should be on my side when it comes to these kinds of things. 

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

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

Under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 166B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Debt collection

I have made multiple attempts throughout XXXX and XX/XX/2021 to get in contact with this company after seeing their name on my credit report. The phone numbers take me to a line which always states that they are open, but then when it is transferring me to a representative, another prompt says they are closed. I do not have any verification of the ( 2 ) debts owed to this company and will not comply unless accurate verification is received from the creditor.
Product: Debt collection

This debt was judged in my favor through the court system. I disputed for it to be removed from my credit file with the credit reporting agencies and debt collection company along with proof that the debt was judged in my favor. The debt collection company failed to remove this account from my credit file after numerous attempts to correct it. At this time, I do not know what else to do but to get the CFPB involved to help resolve this issue. 

On XX/XX/2023, I received a response letter notifying me that XXXX XXXX acquired One Main Financial and merged to make OneMain, in addition to stating they would only add remarks that it is in dispute status but not that they would delete it when I do not owe debt due to them losing in court.
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of CKS Prime for what they are stating are financial accounts. I am disputing the validity of this collection and the reporting of it because I do not recognize the debt. I have no recollection of ever having the accounts. In addition, I have not received a call, text, or email which has furthered my suspicion of this debt that made it onto my credit reports. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.
Product: Debt collection

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove
Product: Credit card or prepaid card

On XX/XX/XXXX, I used my Citi Double Cash card to purchase some HVAC work in my home. The charge was {$860.00}. This was a valid charge ; however, as time moved on, and I went to pay my account for the month, I did not recognize this charge. When I googled the phone number on the charge and the company name that showed up, I could not find anything, so I thought that this charge was false and needed to be disputed. When I disputed the charge, Citi credited me the item on the account while they investigated. Two days after this, the company that completed the HVAC work called me to ask why the charge was being reversed. This was when I realized the charge was legitimate, and I had made a mistake. I told him to give me a week or so, and I would attempt to contact Citi to get the charge placed back through. After literally hours of attempting to get the right person on the phone at Citi, I finally got someone who told me that would be taken care of and the charge would go through. However, several days later, working with the HVAC company, they told me they still never got the {$860.00} from Citi and that I needed to pay again. Therefore, I used another credit card ( XXXX attached below ) to complete the transaction. 

This would all have been fine until I saw that Citi charged me {$860.00} two times on my statement on XX/XX/30 and only one credit ( see Citi Double Cash below ). I called Citi Friday, XX/XX/XXXX, in an attempt to rectify the situation. I was transferred between 3 representatives and on hold half that time, and once I got to the third, I was hung up on. 

At the very least, I should be allowed to dispute the {$860.00} charge that was not refunded. 
But, the Citi app and online access will not allow me to, it directs me to call Citi which I did. I can't afford to spend more time with Citi attempting to resolve this so I expect this to be rectified by Citi through the CFPB to avoid a small claims/legal route.
Product: Credit reporting or other personal consumer reports

I requested and obtained a free copy of my XXXX  ( An Equifax Company ) report. After review, I discovered incorrect addresses and a Hard Inquiry from XXXX XXXX XXXX XXXX from XX/XX/year>. I submitted my dispute for the items, including this hard inquiry. I was told by XXXX ( An Equifax Company ) that the XXXX XXXX XXXX XXXX XXXX had been verified : " The item has been verified as it appears on the attached consumer report ''. I am not aware of this company and I have never done business with this company ; so, I believe that XXXX XXXX XXXX XXXX performed a non-permissible inquiry. I have attached my Identitytheft.gov form including the aforementioned inquiry along with my identification documents.
Product: Credit reporting or other personal consumer reports

I Reached out to Experian, XXXX, and XXXX notifing them that they are reporting incorrcct information that is a result of identity theft. I supplied them with the FTC Identity thefit form completed as well as my police report. I also gave all needed info such as account numbers and amounts. Sometimes the inforamtion was temporarily removed to be later reinserted. They have also made claims that the information was verified but were unwilling to provide me the information explain how they did so. The fact that this information has been removed before tell me it isnt accurate and that they are willfully report incorrct information which is a volation of the FCRA. 
This has only been futher proven to be true based on the CFPB sueing Experian for sham Investigations of Credit Reort Errors which you can find on their website which came out on XX/XX/year>. Id also like to draw attention to the CFPB 's lawsuit against XXXX on XXXX XXXX which said that the CFPB orders XXXX to pay XXXX XXXX for imporper investigations of Credit Reporting Errors. They are reporting incorrct information intentionally and it is negstively affecting me and millions of Americans. I demand that ALL the incorrct information be removed to never be reinserted again. Id also like an updated copy of my consumer report.
Product: Bank account or service

To Whom it may concern, On XX/XX/2016 I went into my First Bank to see if my money was pending, like I always do. Yes, it was pending, I waited till the first when the funds would be available, to pay my bills like always. The money was there like my ex husband and I agreed upon, for the child support. I paid my bills, on the XX/XX/XXXX, I was sitting in the parking lot of the library with my daughter, looked at my gas tank ( which was on E ) checked my bank account. ( It was XX/XX/XXXX on a Friday at XXXX. ) I looked at my bank account on my phone, the amount was XXXX as I sat there starching my head, I said to my self, " This has to be wrong! '' I logged out, logged back in again and said the same thing!! I called the bank, the representative checked all my information, kinda sounding nervous, put me on hold and got back to me, saying, " That he, ( my ex-husband, who is NOT affiliated with First Bank in anyway shape or form ) went into my account and said, " There is a check in my name XXXX into her account and I want it back! '' And the bank gave it back to him!! I feel sooo invaded, First bank did n't call me to even let me know that this happened, just let him go into my out personal account and let him take away all of my child support money and our children 's XXXX money. I was unable to pay my bills, I had to ask XXXX, to help us keep the utilities on. I was unable to pay my mortgage, again for the second time!! The First Bank manager wanted to see a copy of my divorce decree, which I brought over to them on the next day Saturday XX/XX/XXXX. How can this happen? I have been doing this transaction of {$2100.00} for months, with this bank. I spoke with the vice president of the First Bank, and basically that conversation went no where. How can this happen, how can alll of these people get away with taking my children 's child support away from them?!?. 
Police report # XXXX call XXXX for the police reports there are 9 of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. DEPT OF ED/XXXX  Account # XXXX, has violated my rights. DEPT OF ED/XXXX Account # XXXX, has violated my rights. DEPT OF ED/XXXX  Account # XXXX, has violated my rights. DEPT OF ED/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had a monthly membership with XXXX XXXX in XXXX XXXX. I canceled my membership with 30 days notice on XX/XX/2024. They replied confirming the cancellation, and said theyd charge me a full extra month on XX/XX/XXXX, rather than a prorated amount for one week of membership. When I replied inquiring about this, they claimed that no proration would happen and a full month would be charged. I looked at the contract that i signed and the only statements about cancellation on the contract said that the last month would be prorated. I asked them about this and they claimed that proration doesnt apply to month-to-month contracts. I asked where on the contract it said this and they showed me nothing. i read the contract and it said nothing about this. They sent me a screenshot from a COMPETITOR gym contract showing the policy, but not their own! It is NOT in my contract. I would be happy to pay the prorated amount but they refused and stopped responding to my emails. They then repeatedly attempted to charge my card the extra charge, so I blocked them as fraud with my bank. Now, Aldous and Associates is calling me repeatedly for the baseless debt and saying they will send a report to the credit bureau! Over a charge that is not even under contract!!! This is unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : Account Number : Account name XXXX XXXX Account NumberXXXX Account name XXXX XXXX XXXX Account NumberXXXX Account name XXXX XXXX XXXX Account Number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act any inaccurate date, information, reported account history, and addresses 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. 

I pulled my entire credit report and noticed inaccurate dates, addresses, missed payment info and account history, remarks and information. I decided to write 409 letters to each credit agency on XX/XX/2022 to fix this. As well as a verification of method used letter on XX/XX/2022 to follow up and verify information that was verified. I also wrote a demand and comply letter to continue to try and resolve the matter.
Product: Credit reporting or other personal consumer reports

The account that I have disputed was closed and charged off a few years ago. However, the credit bureau is still reporting as if it is still a open account and in negative standing. This needs to be removed and stopped. This was 4 to 5 years ago XXXX XXXX XXXXs being allowed to negatively affect my credit history at all XXXX bureaus
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Money transfers

This morning I submitted payments for items I bought on Ebay, with the " Pay After Delivery '' option fully on display and understanding this as a term of my authorizing the payment. Half of these purchases did not go through as " Pay After Delivery '' and are now completed, even though I did not authorize this. 

I ( after one lengthy hold ) explained my situation to one of your " customer service '' ( and I do use that term VERY lightly ), who informed me " nothing could be done ''. I suggested she simply reverse or credit the charge and then resubmit these charges as requested ( and specifically dictated by the terms I agreed to ), which she replied she could n't do that. Even though you absolutely can and this is per MY request, for MY money for you abiding to the terms specifically outlined and agreed to. 

This constitutes a breach of contract for the agreed to services by you. I am now still waiting ( 43+ minutes ) to speak to a supervisor, who just now came on and can not fix this. You need to act in good faith, you need to fix this. I am contacting my bank to dispute these transaction and they will put a hold on them.
Product: Credit reporting or other personal consumer reports

I am filing this dispute regarding the remaining hard inquiry on my TransUnion credit report that is not associated with me and was reported without my written authorization, specifically the inquiry from XXXX XXXX on XXXX. I already disputed this last month, but the inquiry remains on my report. I request the immediate deletion of this disputed hard inquiry. Reporting this inquiry without my consent violates the permissible purpose requirement under 15 U.S.C. 1681b, which mandates that credit inquiries must have proper authorization.
Product: Credit card or prepaid card

XX/XX/2023 : Applied to have credit limit increased. 
XX/XX/2023 : received a denial letter due to pending legal action however there are no legal actions pending, no previous legal actions, none reported by any of the credit bureaus.
Product: Debt collection

This business has contacted my sister, contacted my Aunt, contacted my Uncle, contacted my other sister and contacted my Mother. How they got phone numbers I do not know but each and every XXXX of them told them to stop calling and they did not. I have not received a phone call. They asked each and everyone of them for my social security number and personal information about me. They also stated that I used each and every XXXX of them as my address which is false. I do not even talk to my Aunt and Uncle.