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

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX. Hard Inquiries : XXXX, XXXX, XXXX XXXX NA, XXXX XXXX XXXXXXXX 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 XXXXXXXX, have all violated my right. 

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: Credit reporting 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.

Account Name XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Money transfer, virtual currency, or money service

I was given fraudulent wire instructions for the closing costs on a new home purchase. I submitted the wire transfer request with the bank who did not call me to authorise a $ XXXX wire transfer request. It was sent without them contacting me to verify the details on such a large transaction.
Product: Credit reporting or other personal consumer reports

My credit report contains incorrect personal information, which has led to unknown and inaccurate accounts appearing on my record. These accounts do not belong to me, and I demand their immediate removal. I have already provided supporting documentation to prove these accounts are fraudulent, yet the issue remains unresolved. Additionally, my personal information needs to be updated accurately to prevent further errors or potential fraud.
Product: Mortgage

My husband is a 100 % total and permanent XXXX veteran ( through Veteran Affairs ) and we are 100 % exempt from paying property tax in the state of Florida. ( We are only required to pay XXXX XXXX taxes ). Our property tax bill was sent to our mortgage company and paid in XXXX. We had been paying approximately {$3800.00} to our escrow account for the yearly taxes until we could get the bill from the county. They apparently sent our escrow refund check XX/XX/XXXX and we have yet to receive any of that money. I keep getting blown off when I call being told " it takes XXXX  days to receive this check ''. We also can not get them to re-do the escrow analysis to reflect that we do not pay property taxes, thus reducing my monthly mortgage amount by quite a bit. I keep getting the run-around from them and now and being told that it can take XXXX  days to cut the second check which they've requested to be overnighted via XXXX. Not sure how an overnighted check takes XXXX days to get to me when it was originally requested XX/XX/XXXX. That's ridiculous. They also will not work with me to get my escrow re-analyzed so I can reduce my monthly mortgage.
Product: Debt collection

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the XXXX, Trans Union LLC XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at ABSOLUTE RESOLUTIONS INV on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. IF COLLECTION AGENCY CAN NOT PROVIDE PROOF OF PROMISSORY NOTE, ORIGINAL CONTRACT AND PROOF OF XXXX WET INK SIGNATURES, THIS FRAUDULENT DEBT MUST BE REMOVED. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States. If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money, and successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights 2- ( XXXX XXXX XXXX ) Has violated my rights 3- ( XXXX XXXX XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX ) Has violated my rights 5- ( XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX Account : **** ) Has violated my rights
Product: Debt collection

I moved apartments in my building last XX/XX/XXXX and contacted USPS for an address change. I couldn't find XXXX XXXX address. They have never contacted me or let me know where to send the equipment and I couldn't find their address. On XX/XX/XXXX I received a collection letter from Bonneville Collections, XXXX XXXX XXXX, XXXX, UT XXXX, dated XX/XX/XXXX mailed to my old address. They wanting {$350.00}. I am a XXXX XXXXXXXX person on XXXX and XXXX with very low income so I can't afford to pay the amount. I wrote to The Bonneville Collections agency today, XX/XX/XXXX to ask for the address of XXXX XXXX. I will be glad to send their equipment back to them. but I don't feel I should pay that large fee. XXXX XXXX never contacted me ever to let me know that I owed money or where to send the equipment and I couldn't find their address. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen by someone and had made several hard inquiries which I had never authorized.
Product: Credit reporting or other personal consumer reports

Someone reported a number of inquiries on my credit reports. I have no knowledge of them and would like to file a complaint to have the credit bureaus remove them. 

Experian : 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 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 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 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 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

Today, I contacted American Express with an attempt to redeem an American Express Rose Gold Credit Card. The company notified me that I was denied based on my credit score. I did speak with a representative ( XXXX ) who told me all of the reasons why my credit was denied during this transaction. As a living breathing person of sound mind and body aware of my consumer rights, I understand that I am the owner of the credit and simply issuing a credit to myself. Via 12CFR1002 regulation ( b ), this act of denial is discriminatory and I would like to further look into this matter to come to a suitable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Became aware of account with XXXX XXXX XX/XX/2022 - Submitted a identity theft fraud affidavit to the federal trade commission report number XXXX. 

Item still remains on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting inaccuracy on my report I asked them to do a thorough investigation and they did. But I also did a thorough investigation and found several inaccuracies on my report. 

XXXX Account Number XXXX In 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

A charge off is considered a certificate of indebtedness which means it is income and must be removed. I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. Please act in good faith and remove any information regarding account ACCOUNT # XXXX from all credit reporting agencies immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account Experitan : # XXXX, Equifax : XXXX, XXXX : XXXX 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 or other personal consumer reports

Inquiries I did not authorize! 
Credco XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have reason to believe I do not owe this debt, as I had closed my wireless account with XXXX on XX/XX/2018. 
I had cleared my account and returned all the equipments against which XXXX issued a XXXX balance receipt ( Copy of original receipt enclosed ). 
I have tried to resolve this matter with the debt collecting company Source Receivables Management, unable to listen or help fix my problem. I have an excellent credit they ruined it by reporting it.
Product: Mortgage

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Debt collection

I have no information on this account. Showed up on only my XXXX report dropping it XXXX points. It looks like it originated from the county hospital XXXX. I have never received services from this company. In fact I have not been to any hospital since 2000.
Product: Credit reporting or other personal consumer reports

MY NAME IS ( XXXX XXXX ) I DO NOT HAVE A MIDDLE NAM ADDRESS IS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IN XXXX PHONE NUMBER IS XXXX EMAIL ADDRESS IS XXXX I DO NOT WORK AT ( HIGH QUALITY APPAREL ) THIS IS THE ONLY PERSONAL INFORMATION THAT SHOULD BE ON MY CREDIT REPORT.. ANYTHING ELSE NEEDS TO BE REMOVED IMMEDIATELY BECAUSE IT VIOLATES MY CONSUMER RIGHTS
Product: Checking or savings account

Back in XXXX the XXXX 2021, I XXXX  my sister money from my saving account total transference was {$1000.00}. my sister changes her phone number which was my mistake I did not update her number on my bank account.. I did contact the bank right away on the same day realizing my mistake the bank told me will stop the payment to go thru. but days and weeks pass and they haven't been able to get that money back or to provide me with where the money is. my sister never got the money. now these {$1000.00} are lost who knows where or which account I am been trying so hard went to the police to make a report they can not do a report because there is no crime. I have gone to the branch for help but no answer. I am running out of options can not hire a lawyer is way too expensive please adviced me on what can I do to recover this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I disputed an account reported by Transunion in the file you maintain under my Social Security number. 

I was informed that XXXX, XXXX XXXX XXXX, XXXX, and the XXXX XXXX XXXX was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I filed a police report ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint to the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly. You have my police report on file on the subject matter above. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Equifax, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, Equifax has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Equifax on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Equifax has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Equifax and any supporting evidence that substantiates my claim. I have also kept a record of all communication with XXXX, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt XXXX to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I sent money via Zelle to an individual for a service that was never completed. After realizing the transaction was fraudulent, I contacted Zelle customer service to request a refund. They conducted an investigation but ultimately denied my request for a refund. Despite my efforts to resolve the matter through their support channels, I have not been reimbursed. I am aware that Zelle is facing legal action, and I am seeking to file this complaint in the hopes of recovering the funds. I would like Zelle to refund the money that was sent to the individual who did not provide the promised service and money for the issue at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX XXXX XXXX  - Account # XXXX XXXX of XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dismissed- Reference # XXXX XXXX XXXX XXXX Dismissed- Reference # XXXX XXXX XXXX XXXX  Discharged- Reference # XXXX XXXX XXXX XXXX Discharged- Reference # 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 : 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: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.