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

ON XX/XX/XXXX I Discovered that I was a victim of Identity theft. I became aware of the issue when i look on XXXX XXXX and i seen unauthorized inquiries and opened accounts and loans on 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 XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX ) I did not authorize these activities nor did I provide my personal information for these purposes. I am submitting this report to Document the identity theft and request assistance in resolving these fraudulent activities. please let me know if any additional information is required .thank you for your time and XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was scammed out of XXXX from fraud tax preparer. I have all the proof.

Tax preparer needed money for fee before submitting. Sent the money and they dissapeared. 

Please see all pictures attached. 

Let me know if you need screen caps from my mom 's phone showing ignored calls and texts after I sent the money. 

The scam : This person took XXXX weeks to do my taxes pushing me all the way to the deadline. Days prior to deadline they know you have very little options, so then they ask for the fee money before submitting. You pay the fee money ( XXXX ) then they dissappear. 

Please see all proof that I have and notice : It took XXXX weeks from this person, and days before deadline they asked for payment. 

Payment was sent and then days later they are still asking questions. Then they stopped responding altogether.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern My consumer rights were violated Under the Fair Credit Reporting act 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments. I've attached a copy of my report to this complaint on the following date of XXXX I'm now requesting you investigate the XXXX  account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I tried using a feature in cash app to add paper money to my account. I have been doing this for months now and I have never had an issue. However, when I tried to do it on the XXXX, I was met with an error message, saying that my account access for that has been revoked. When I reached out to the company via their official social media channels, They simply said they reviewed it and will no longer let me do it, and when I ask for more information, they refuse to give it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX explaining that I never received a Notice of Disposition which is federal law UCC 9-611 ( B ). XXXX responded with a letter that I Disputed the accuracy of the account and that's not what I asked them for
Product: Credit reporting or other personal consumer reports

Per the 1974 Privacy Act I have opted out of reporting any non public information and any and all of my non-public information that was sold to any non-affiliated company requires recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account that is reporting incorrect information on my transunion credit report. The information is still incorrect. First off my available credit line is not {$600.00} it is {$1000.00}. My second issue is the account is reporting maximum delinquency was 30 days in the year XX/XX/2017. That is also incorrect this account was never paid late. I disputed it with XXXX  credit reporting agency and after they investigated it it shows the account was never paid late and reporting as a positive account. If transunion did a full investigation they would have received the same response from XXXX XXXX XXXX. Yes it shows paid as agreed but the account should be as accounts in good standing. As of right now it is still showing under potentially negative account. Having this incorrect information is affecting my credit score.
Product: Credit card

On Monday, XX/XX/XXXX, around XXXX XXXX PT, my card was fraudulently used for multiple small charges of less than XXXX dollars for XXXX and XXXX XXXX XXXX. I call within an hour of the charges being posted. If you type in these names into XXXX, there are a lot of threads discussing fraudulent charges with those names. These charges were not from my self or my wife, and we both had the cards in our hands at the time of the charges. 

Our card was cancelled, and a new card was issued, however, when I called today ( XX/XX/XXXX ), Citi stated they would not provide a credit or refund for the fraud charges or fees for fraud charges ( including cash advance fees ) until the investigation is complete. This is absurd. 

Citi 's website ( XXXX XXXX XXXXXXXX ) states " At Citi, you will not be responsible for unauthorized charges ( charges which were not made by you, or anyone allowed to use the account ). '' This is not an accurate statement if I am not given credit as a fraud investigation is pending. 
In this situation, I have to float Citi the entire amount plus the cash advance if I do not want unintended consequences ( late notices to credit bureaus, late charges and interest racking up, as well as the negative hit to my credit score if my card is not paid off in full ). The advertising is not consistent with not being responsible and having {$0.00} liability as Citi can take as long as it needs to complete the investigation. In the 26 years that I have had credit cards, I have always had suspected fraud activity immediately credited to my account.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$370000.00}
Product: Credit card

I have been a Discover customer for XXXX years. Each month, I wait for my statement to come out and pay off the statement balance by the payment deadline to avoid accruing interest. 

I've been receiving emails and promotions from discover, offering 0 % balance transfer for 12 months. In XXXX of XXXX, I accepted a balance transfer offer for {$2500.00} plus an admin fee to clear another credit card. It posted to my account. Next, my statement published, showing a {$5100.00} statement balance, of which {$2500.00} is identified as being at 0 % interest through XX/XX/XXXX. Before the due date deadline, I paid {$2700.00}, reducing the remaining statement amount to about {$2300.00}. In other words, I reduced the remaining balance to an amount less than the balance protected at 0 %. 

On my most recent statement, I received a {$33.00} interest charge. I chatted with discover and was advised that this is due to interest accruing because I have a " revolving balance ''. I asked the representative to tell me how much I need to pay on the most recent statement to avoid accruing interest on my next statement and was told, more or less, because I have a balance transfer offer, that there is no way to avoid accruing interest on recurring purchases. 
I think this is the epitome of unfair and deceptive acts and practices, as there is effectively no way avoid accruing interest after taking a 0 % balance transfer offer from discover, besides ceasing to use the card for any other purchase in addition to the balance transfer offer. Not all credit card companies handle balance transfers this way, and I don't think discover has always handled them this way either. 
I will cease using this card for recurring purchases. I hope the CFPB can help further regulate this behavior.
Product: Debt collection

I have had several conversations with collector calls from the company & XXXX XXXX with no results. I never opened, owned, used or made payment on this account. IT IS NOT MY DEBT! According to credit reports, apparently opened on XX/XX/XXXX for XXXX XXXX. Alleged debt sent to XXXX XXXX for collections on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXXXXXX XXXX XXXX Case Number : XXXX XXXX. XXXX Account Number : XXXX
Product: Credit card

Company wrote this account off without providing 1099c to consumer. Consumer reposrted as fraud, and company still reported. Account need removal Under code 605 B, under SERA. 

Continental Finance Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Cash app support is very unprofessional rude gave them the information that they needed. They even verified that the XXXX provides transaction/scammer was not authorized by me was supposed to get money sent back to my account or to a new account I should say or possibly mail me a check Never got it. They close my account because they said I was disputing too much stuff but they knew this already due to me complaining about money being stolen from my account from a scammer and they also know I didnt have my card because I was already supposed to be issued a new debit card before this even happened Because the previous card was stolen and I am guessing thats how they made the purchase. It happened in Minnesota and I was in XXXX at the time so it definitely wasnt me and they seen that due to them tracking my location. Havent gotten anywhere with them. They blocked my account spending my account And havent gave me any updates nor new information nor have I received my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to sign up for a high yield checking and savings account with my wife. When I apply for the account, I am declined because my credit is being reported as XXXX  When I clcik the link on the adverse action email provided by the bank, the company has me fill out my information, and submit it. When I submit it, I am directed to a screen that reads " We were unable to honor your request ''. I've been trying for several days, and am still receiving this response. When I contacted the bank 's help line, they told me that the reason that they had were reporting the XXXX credit score is because Experian is also denying them access to my credit information, and that I needed to contact the credit reporting service. 

Despite 5+ hours of calls, Experian 's customer service has hung up on me, and been uable or unwilling to assist me. I finally was able to reach someone who told me that there were no discrepancies with the information that I provided, but that there was nothing more that Experian could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Accounts listed below have violated my rights : Account # XXXX by XXXX  Account # XXXX by GXXXX XXXXccount # XXXX by XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX by XXXX Following is a list of creditors who have obtained my report without my consent : XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C.1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given anyone written instructions to place any items on my report.
Product: Credit card or prepaid card

Dispute Reason : Merchandise was never received, never delivered. 
The merchant was Best Buy. 
The credit card company is Citi Bank.

My Citi bank credit card was obtain through CostCo. 
The amount in dispute is {$510.00}. 
The purchase date was XX/XX/XXXX. 

I spent days going to the local store in Texas where I live to ask for help. I also called many times and got hung up on many times. After all effort failed, I filed a dispute via Citi Bank. Today XX/XX/XXXX, I received an email and I checked messages online, and Citi Bank said that the dispute failed and they will charge me {$510.00}. 

Even though I engaged in a transaction with the above merchant, I never received the following products ( two software ) : ( 1 ) XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ( Digital ) software, and ( 2 ) AXXXX XXXX XXXX  XXXX ( Digital ). 

I provided phone bill and HomeDepot receipts showing that I was in Texas at the time that I purchase the software from Florida Best Buy. I should receive the software through software download but I did not receive an email with a hyperlinks for me to download. Yet Best Buy claimed that I purchased the software " in person '' and picked up the products " in person ''. 

Beware of Best Buy. I called the phone numbers, put on hold for a long time, transferred from one person to the next, and finally got hung up on. There is only one phone number to call, and they randomly sent us to a different to talk to each time. We never got to talk to one person. No accountability. When we came to a Best Buy local store, they sent us home to look for an email for software download. That's a big lie. Nothing. However, because of the purchase, Best Buy floods my email with their daily advertisements. 

DO NOT PURCHASE SOFTWARE ONLINE. 
BEWARE OF BEST BUY!
Product: Debt collection

Creditor says the filed Letter Of Completion months ago. The credit account was fraudulent to begin with according to Colorado State Law. I have attached a copy. Please remove from my credit history/report. XXXX XXXX admitted to filing the collection incorrectly because they did not provide me with an invoice explaining why I did not receive my deposit and why I owed extra money. 

I have been told this was filed with the Bureaus a while back but it continues to be reflected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Perfection collection with the amount of {$2100.00}. I started paying on this debt XX/XX/XXXX. Current balance is {$1200.00}. I have disputed the balance on my credit report. They launched an investigation in which the debt collector stated it was correct balance and still owed {$2100.00}. I then reached out to debt collector in XX/XX/XXXXand XX/XX/XXXX asking to send me a copy of the balance and to update the credit report. I called numerous occasions in XX/XX/XXXX and have not heard from them. I then reached out to all three credit bureau also sending in my proof which shows current balance. Attached is the balance I have after payment was made XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am filing this urgent complaint to address numerous fraudulent accounts and inquiries on my credit reports resulting from identity theft, as well as significant inaccuracies in reporting by the credit bureaus and creditors. Despite making three attempts to resolve this matter and allowing 30 days for corrective action, I have not received the requested validation or resolution. The discrepancies in account balances, dates opened, and payment statuses across XXXX, XXXX, and Equifax violate 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in consumer reports. Creditors have also failed to notify me of debts within the required 5-day window under 15 U.S.C. 1692g and have not validated the debts despite my repeated requests, in direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ). Furthermore, under 15 U.S.C. 1681c-2, I am entitled to the immediate removal and permanent blocking of fraudulent accounts upon providing proof of identity theft, such as a police report, which I have already submitted. The continued presence of these accounts constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S.C. 1681c-2, credit bureaus are legally required to block the reporting of information resulting from identity theft within four business days of receiving appropriate proof, including a police report and written statement. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 6 ), data furnishers are obligated to cease reporting information found to be inaccurate or unverifiable. The CFPB has the authority to enforce these laws to ensure compliance and protect consumers.

I demand the immediate removal and permanent blocking of all fraudulent accounts and inquiries, as well as the correction of all inaccuracies in my credit reports. The credit bureaus must comply with federal law, specifically 15 U.S.C. 1681e ( b ), 1681c-2, 1681s-2 ( a ) ( 1 ), and 1692g, to ensure the accuracy and integrity of consumer reports. Failure to address this matter promptly will compel me to pursue legal remedies, including filing a lawsuit for damages. I request a formal investigation into the reporting practices of the involved creditors and credit bureaus. 

Accounts : XXXXXXXX XXXX XXXX ( Account # XXXX ) XXXX XXXXXXXX XXXX XXXX ( Account # XXXX ) Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within in 30 days gives reason to immediately remove those items from my credit report. Currently 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 you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mrs bpo llc is reporting info that is frued
Product: Money transfer, virtual currency, or money service

For the last four months my child 's ssi check has been cashed by someone
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections 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 ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

My name is XXXX residing in XXXX, NC. I am asking for a copy of my credit report after it has been disputed and updated with proof of investigation. I have applied for credit and I have been turned down.