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

To Whom It May Concern, I received a notice of data breach from XXXX on XX/XX/17. This included accessing supporting documents that may have included my government issued id, home address etc. 

Due to the sensitive nature of the information revealed in the data breach, I have requested from all 3 reporting agencies including XXXX remove all of my private information from its and its affiliate servers and anywhere/all places that information is stored. This information, including my name, social security number and accounts are being stored without my consent and to please remove and destroy any and all information immediately. 

They have not complied. 

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

In accordance with the Fair Credit Report act.

The List of accounts Below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 

List the account name here with the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a customer reporting agency can not furnish an account without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

of XX/XX/XXXX i submitted account verification and the source of the information for the second time. 
XXXX never answered me the first time, Experian and XXXX answered " The company that reported the information has certified to Experian that the information is accurate '', but never inclosed where did they get their information or who is the source of their information. 
it is a public record from the XXXX court, the court never chairs my information with any credit report as well as XXXX XXXX has taken this information of their record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. Here is my tracking number. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681i-Procedure in case of disputed accuracy, if the completeness or accuracy of any item of information is contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Over the last XXXX days I have received a minimum of XXXX calls from Allied Interstate. When I answer the calls I get hung up on. My longest " conversation '' has been XXXX which consisted of them telling me who they were and that the call can be monitored. I am unable to find out exactly what debt this is in regards to since they hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft due to a data breach. 
Fraudulent accounts and unauthorized inquiries have been added to my credit report without my authorization. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file : Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$390.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$480.00} Inquiries to be Blocked and Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have a XXXX XXXX XXXX company. And I decided to use wise ( formerly known as transferwise ) to transfer {$21000.00} to my overseas supplier for the goods purchased. 

I completed the forms as described, and the disclaimer was informing that it takes 1 business day. I wired money to wise 's XXXX bank account from my XXXX bank account, and they were supposed to wire this money to my overseas supplier ( this is how wise operates in the XXXX ) as soon as they receive the money. 

Then, however, they sent me an email saying 'Weve received money for your transfer of USD to XXXX USD. But we couldnt confirm that it came from you. ' And they asked me to provide additional documents showing I own the bank account the money was sent from. In only 1 minute, I provided all the documents ( wire details, bank statement etc. ) which prove I am the sole owner of the account and my company, I wired the money etc. 

Then they did not take any action, and remove that transaction from my dashboard. It was pending before, now it shows nothing as if I did not send money to transferwise. They were supposed to solve it in 1 day ( as they stated so ), not they are saying it may take up to 3-5 working days to verify the documents. I say if you are not wiring it to my supplier, I want my money back and they are not even answering this request. 

This company keeps giving wrong information, holding my money and blocking my business ' operation. If I can't pay to my supplier today, it will be a late payment and I will fail to make required payment on our debt. 

With their way of fraud, they harm my and my company 's financial and reputational health. I believe CFPB should take an action against such companies, holding our small and family business owners ' money for no reason. They are not verifying the account ownership, they are just ignoring my emails, extending the time and keeping the money in their own bank account. 

They keep providing conflicting information ( 1 working day suddenly becomes 5 working days ). That is why I wanted file a complaint against wise.com. The existence of such companies causes the confidence in the whole sector to be shaken. A financial services institution that constantly provides conflicting information is causing the suffering of its customers.
Product: Credit card or prepaid card

I was targeted with a XXXX to upgrade my current credit card. XXXX had no information and no disclaimer than an annual fee would be associated with the new card. I accepted the offer and shortly after received an e mail advising they inadvertently didnt include the annual fee on the advertisement and if I was charged it would be waived. I was billed for an annual fee.. Ive called over 15 times and was just told to wait for reimbursement per the e mail. I didnt want it to report to by credit so I paid but only after also assessing a late fee on the annual fee balance. I was told Id receive both back only I never did. Most recently I called and spoke to a XXXX who refused to transfer me to anyone above her. She advised there was nothing they could do and they had no idea why I received the e mail advised my annual fee would be waived.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. 
I closed and paid this account on time XXXX never late XXXX XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

The perpetrator somehow got ahold of my information and opened several phone accounts in my name. I myself XXXX XXXX did not open these accounts and never have I used these accounts.
Product: Credit reporting or other personal consumer reports

It is illegal to furnish history transactions without written consent. It is a violation of privacy. There is a need to ensure that the Consumer Reporting Agencies defined as ( CRA ) exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Experian, XXXX and XXXX are all Consumer Reporting Agencies. I am defined as the consumer. Being the consumer I am exercising my right to privacy. 
XXXX XXXX XXXXXXXX is defined as a Finacial institution under title 15 USC 1801. I do not and will not give consent written or unwritten, verbal and non-verbal consent to any Finacial institution or ( CRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a inquiry placed on my credit report from Citi Bank on XX/XX/2020. 
I reached out to them to advise that I had did not submit an inquiry to the company and reported the issue as fraud. To date the inquiry has not been removed from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024 I agreed to a settlement with debt collection agency XXXX XXXX that was working on behalf of Affirm to collect on XXXX different accounts I had with them. XXXX XXXX and I agreed to a debt settlement on both of my Affirm accounts, meaning that I pay a percentage of the amount owed and then the rest is written off and the accounts are closed. I paid the agreed upon settlement amounts as listed in the included documents and waited for my credit report to be updated. Upon checking my credit report the following month, Affirm was still reporting that I owed {$170.00} and {$250.00} ( the amount left over that was to be written off after the settlement I agreed on ). I contacted Affirm and they claimed that XXXX XXXX was still reporting that I owed money and had no knowledge of a settlement. Affirm is unwilling to contact XXXX XXXX on my behalf or review the documents I obtained from True Accord containing our agreement, affirm is also completely unwilling to work with me directly and says I MUST use their third party debt collector. I called XXXX XXXX and they claimed that they had reported the settlement to Affirm and were also unwilling to contact Affirm on my behalf. After contacting both Affirm and XXXX XXXX, I filed a dispute with the credit reporting agency XXXX. XXXX evidently reviewed both accounts but still sided with Affirm even though I included the documents containing my agreement with Affirms debt collector and the payment confirmation. Affirm has still made no effort to correct their error and is still refusing to contact their debt collector XXXX XXXX on my behalf to verify our agreement and payment or review the documents I have providing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 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

XXXXDOFED education loan This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all XXXX XXXX, accounts removed immediately. 
15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b
Product: Consumer Loan

Vehicle was damaged XXXX/XXXX/16 and declared a total loss a couple of weeks later. The primary and GAP coverage payments were made by XX/XX/XXXX. Not sure which side mishandled the claim ; I have proof that the payment cleared, but the loan company insists that a payment was not made. As a result, I have not been given a final payoff amount, and the company is reporting the account as delinquent to all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2019, I have sent several certified dispute letters to the Experian consumer reporting agency in regard to several ; accounts reporting on my credit file that was opened due to identity theft. Experian has failed to provide XXXX XXXX accurate verification as per the Fair Credit Reporting Act. In addition, Experian has failed to place a block as per the FCRA Section 605b in regard to the fraudulent items that are in question. On XXXX XXXX XXXX at XXXX XXXX  tracking ( XXXX ) was one of several letters received from Experian on my behalf. It has been 6 months and Experian still has yet to provide any supporting correspondence or documentation in regard to any of the dispute letters they received on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have being battling Equifax for the past 6 months to remove the inaccuracies accounts off my credit report. They have 2 accounts from the same creditor XXXX XXXX that is reporting on my credit report. First of all, one of the account is over 7 years old and yet they are still reporting. The second XXXX XXXX account is reporting on my credit ONLY from equifax. How is the possible? Like I told them, I have no knowledge of this debt. I have ask them for proof of debt from both credit bureau and creditor, and guess what? Still no proof. I'm no lawyer, but in my knowledge when the consumer ( ME ) asking for proof of debt from the credit bureau ( Equifax ) you must obliged to my request. I ask for proof of this alledledy debt since XXXX and they still have not sent proof of this allegedly debt, yet they keep saying it is verify. I have sent 3 MOV to Equifax. They can not denied they did not received because- I have proof they have open the disputes and I have a certified tracking on each MOV. Which they response every time with the same generic response- they verify with no proof. So this is consider to be one of my last resort- otherwise I will have to further my compliant.
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 ( CPFA ). 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, theyre 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 the appropriate redress for these violations.
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  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I ordered my credit report- from Experian- I paid a fee an was expecting to receive my free Annual credit report in a few weeks, as of this day I have not gotten my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} Chapter XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, five companies ran my credit and obtained my social without my knowledge or permission. I would like this to be removed from all three major credit bureas and would like for someone to be held accountable for my private information floating around without my knowledge. 


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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Most recent attempt to get erroneous information not accurate removed from my credit report. Equifax continue to list items as verified when the accounts are not verified cease and desist from these negligent and harmful actions to my credit were submit to dispute this false information. They continue to list when other bureaus have since removed this account due to unvalidate fraudulent reports for collections accounts. 

XXXX XXXX continue to supply inaccurate addresses and refuses online access on my file. I complete several form requesting online access and I am still refused access to file to have these inaccuracies removed. when applying for credit the actions are returning adverse due to inaccuracies in my XXXX XXXX file that they refusing me when my identity has been verified. Its been more than two years since I have been provided access to my file.
Product: Checking or savings account

I mistakingly sent money from my cashapp account to the bank account associated with my cashapp. However the bank account associated with my cashapp is no longer being used and I no longer have access to it. I immediately contacted cashapp support to return the funds and they were unable to return the funds. I did explain the funds were not supposed to be sent to the unused bank account but to another cashapp user instead. The customer support was unable to reverse the withdrawal even after explaining I do not have access to the bank account that the funds were accidentally sent to.