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

i received a copy of my credit report and noticed there is information reporting that i have no relation to. My information has been exposed in a data breach and has been misused without my permission. I have contacted my attorney who plans to assist me in this matter shall these items not be removed from my credit report. Under fcra 605b, fcra 609e, this information must be permanently deleted from my credit report within 4 business days of receipt of this information. I will be following up with each agency to ensure that this matter is taking care of promptly. Please add a extended fraud alert to my credit profile and contact me before opening any accounts XXXX the following accounts are accounts that have no relation to me : XXXX XXXX # XXXX {$440.00}, XXXX XXXX # XXXX {$390.00}, XXXX XXXX # XXXX {$51.00}, XXXX # XXXX {$110.00}, collection account # XXXX {$17.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX # XXXX {$320.00},
Product: Credit reporting or other personal consumer reports

I have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX XXXX is alleging that I owed an amount of {$1400.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXX XXXX has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXX XXXX failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. I was also threatened that my credit would be ruined if I did not pay off this debt after my most recent attempts to collect data from said account investigations.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Amount : {$3500.00}. 

Account name : XXXX XXXX, XXXX Account number : XXXX Date opened : XX/XX/XXXX Amount : {$120.00} I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Hi, I sent a SEPA transfer on XX/XX/XXXX from my bank account to my Coinbase account. The total amount was XXXX. 

On XX/XX/XXXX Coinbase reversed the payment and sent me this email message : " We're unable to process your recent deposit for XXXX EUR sent on XX/XX/2018. 
These funds will be returned back to the sending bank within 1-2 business days. '' Two weeks have passed since then and the money have not reached my bank account yet.

I opened a support case asking for this issue and they answered with an automatic respond. After that, I have sent several mails to Coinbase regarding this issue, but they do not respond anything.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  is reporting activity on my credit reports and I have never had an account with them. My husband, who is a homeowner, is the one with the account with them. I have never purchased anything from them, nor have I given them permission to extend credit to him.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that the 4 business days that you were given to block certain information in my credit report that I believe resulted from identity theft has passed, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2.

The following information is not related to any transaction or activity performed by me : XXXX XXXX - XXXX ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I requested that these items be blocked from my credit report in accordance with my rights under the aforementioned law in a letter that reached you earlier.

Attached to these letters were copies of the following documents : 1. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] 2. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and/or a police report ) 3. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me.

I respectfully request that you act promptly on this matter, as the law requires you to block the reporting of this information no later than four business days after the receipt of these documents.
Product: Checking or savings account

On XX/XX/2023 I was contacted by phone and USAA was showing on the call. The man said he was from USAA and that fraud was being suspected on our account with the last 4 of my card information. He had my information and sent a text message verifying the statement. I did not give him any account information or any codes. He specifically said do not give me any code or account info. He said everything USAA does when suspected fraud has been on our account. I hung up and got a text message that XXXX was wire transferred out of our savings account. I immediately cashed USAA and was just in shock. We filled with the FTC, and the FBI along with USAA. Called USAA back and the lady told me that they found it to be my fault. She reopened the investigation as she looked up the IP address the wire came from and it was in Florida. She said it should be overturned, but we needed to be patient. I did not have a computer, I work on irrigation systems. I did not authorize a wire transfer, the money in our savings is for a claim due to major water leak. And the work has already started. I am trying to get any and all help from every possible avenue available.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

This is the account I have marked as inaccurate XXXX XXXX XXXX. 
Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continue to report a collection account on my credit report from XXXX XXXX XXXX. TransUnion is not complying with FRCA, XXXX is no longer is the collection agency collecting on a debt, the have sold to another company this debt. 

Also, XXXX has failed verify that the debt is mine, and if correct by providing a copy of any original documentation with a consumer contract with my signature on it, which is required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ), so in failure to do so, in accordance to section 611 ( 5 ) ( A ) of the FCRA TransUnion is required to promptly delete all information which can not be verified. 

For over a year I have been trying to obtain this, and all parties have failed to correct this, or matter, and I still have not received a contract proof with my signature. I am requesting TransUnion remove this unverified account from my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the equifax credit service product, which inform me on XXXX that an new address was reported to my credit file. No other credit agency, but Equifax. I called several times ( please see dispute list ) trying to get them to look into the matter for resolution with no luck. They said they did an investigation and sent an update credit report that still shows the address of dispute out of Florida and I keep sending dispute trying to get them to remove this information with no luck. As of today this address is still on my credit report. All of my credit reports are lock, no one can gain access but government and Equifax itself. I received another alert from Equifax on XXXX saying a new address has been added to my credit report. This is a problem with Equifax or someone internal is doing this. Please review for accuracy and delete this address of my credit report out of Florida that has never belong to me or never stayed out of Florida in my life. This is complete fraud and Equifax say that have deleted this address but it appears they have not. They have violated statues of the federal law when correcting consumer information correctly.
Product: Debt collection

I am being charged by XXXX XXXX XXXX XXXX for services I never received. My coverage was supposed to be canceled XX/XX/2014. XXXX is stating that they canceled me on XX/XX/2014. I never reported any claims or received any services from XXXX to XXXX. I was under the assumption that my coverage was canceled since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on my credit since 2012 for an item that is NOT mine. I have requested proof multiple times and have been disputing it for months and months with the bureaus and none of them have provided proof that it is mine.

For one the debt is old and past the statute of limitations for 2 it is NOT mine!

Unless they can provide a signed contract by me then it needs to be deleted.

For the bureaus XXXX XXXX IS NOT VALID VERIFICATION!!! Im so tired of these entities being able to do what they want. I need this removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX  XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$4900.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$710.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$880.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ), Onemain ( Opened XXXX. XXXX, XXXX, Highest Balance {$1600.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card

I went to XXXX to purchase an outside furniture set. I was offered at the register an opportunity to apply for an interest free credit card for one year. It was all done at the cash register. I have been charged interest from day one. I have paid the principle completely off, and TJX continues to charge me interest and late fees. When I called to complain, they said that I owed XXXX dollars. When I asked them to break it down, it was XXXX dollars in late fees and the rest in new last fees and interest. I asked them to remove all the late fees and interest from the account and close the account. They refused. I asked for a manager and waited 30 minutes and was told there was nothing she could do and that there were no other people above her that could address my concerns. This is unheard of. I asked her to have someone call me, she said that they do not call out. They are charging loan shark rates on closed principles and refuse to refund my money or close the account.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I took out a loan with XXXX for {$500.00}. During the process, it was required that I set up auto-draft which was done for {$72.00} which included a {$21.00} payment towards loan and {$50.00} towards a " savings account ''. The initial payment was processed but as I was monitoring my account, I noticed that the payments were not being drafted. In XX/XX/XXXX, I called the company and addressed the situation, they blamed it on my bank and not their system. I called my bank ( XXXX  XXXX XXXX ) and they reported that there had never been attempts to withdraw from this company. I called them back and made a payment via debit card. At this time I set it up to auto debit from my debit card. Again, they were not drafting. This time, They reported 60 days late on my credit. I called them back made payment and asked them to remove the incorrect reporting. In XX/XX/XXXX, they agreed to close the " XXXX XXXX '' account and agreed to remove the incorrect negative. I again agreed to make payments from my debit card for the loan only. Once again, they did not make any drafts. I called again, asked to speak with a manager and was told that I would receive a callback. This was in XX/XX/XXXX.  No response no payments. Today, the account was once again reported as negative. There is a whole facebook page ( XXXX XXXX XXXX ) with 100 's of complaints about erroneous credit reporting, trouble making payments, not being able to pay off balances, poor customer service, and conflict resolution etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as XXXX XXXX XXXX with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX show an outrageous number of credit inquiries on my account. For instance, I did not authorize most of these as follows : XXXX- yes for credit Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX- again it was a soft inquiry they said Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX- just inquired not authorized Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX definately not authorized just inquired Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  definately not autherized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX definately not authorized Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX says its a soft inquiry Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX authorized Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX  not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX- no not authorized Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX not aware of what this is for Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX  - don't even know what this is for Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX  authorized Inquiry : XXXX. XXXX, XXXX When someone asks you if they can run your credit you assume it's one time not 7 times. This needs to be disclosed upfront and with whom they are running it with because they ruined what I worked so hard for. In addition, there are inquiries on here like the teachers credit union that had no business running my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I applied for a mortgage only to be denied because my credit card issuer XXXX XXXX reported inaccurate information to my credit file as being over 30 days late when in fact it was never 30 days late. I contacted XXXX XXXX on XX/XX/XXXX and upon speaking with a representative she advised the account was not in fact 30 days late and NEVER been 30 days late. She immediately opened an internal investigation with the credit department as well as with the credit bureau case # XXXX. The representative advised to follow up on XX/XX/XXXX for an account status or a representative will contact us. To date we have not heard anything from XXXX XXXX. Now while I do understand things can get mistakenly inputted this was a significant hit on my credit file because of inaccurate information being reported. Further, pursuant to the Fair Credit Reporting Act only accurate information should be reported to my credit file and I promptly request this matter be investigated and removed.
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I made a XXXX payment to pay off my discover card and Discover has locked the card for 10 days
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX-19 a paid Settlement was paid to Convergent Outsourcing. Convergent did update all three Credit Bureaus, nevertheless the item was not completely deleted from my Credit Report. They advised me the I would need to contact XXXX. I've contacted XXXX as of XXXX-19 and they too have forwarded me back over to Convergent for the deletion. I called Convergent again today on XXXX-19, they advised XXXX needs to give me a written letter in order for them too removed this the said item from all three Credit Bureaus.
Product: Prepaid card

My Venmo Debit Card was charged without my authorization for {$1.00} after 3 days the company that obtained authorization code for {$1.00} used it to withdraw {$4300.00} from my account. First of all I did not have such balance in my account second its against XXXX XXXX to use the approval code which was not issued for the amount specified. I reported to Venmo and with no investigation whatsoever they denied my claim
Product: Credit reporting or other personal consumer reports

Equifax. 

You have my current address and documents of where I physically live you also mail my credit report but you still have BLNK ERROR on your website where I can not see my updated score or give a credit report to lenders example my annual credit report to download I've been going through this frustration for 2 months I don't know what the problem is I also send physical documents about a day ago even though you have the documents uploaded I want my credit report what is the best solution because I am very impatient it shouldn't take this long to get what I need that I rightfully deserve to have I got things to do so I could be financially ready. But you guys like to take your time and time is of the essence it's hard to get my business done in a timely manner waiting on your service, I've been having this error code on your website since XX/XX/XXXX. 

XXXX XXXX XXXX