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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX # 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 instrucTons 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 man seven vears 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 nas reasonable cause to belleve that the information is Inaccurate
Product: Money transfer, virtual currency, or money service

On the morning of XX/XX/2020, a wire transfer to my domestic Chase Bank checking account was initiated from another domestic account from XXXX XXXX. This should have been an immediate funds availability transaction. However, nearly three days later and the funds have not posted to my Chase checking account. 

The sender 's financial institution ( XXXX ) confirmed that the wire was sent successfully and Chase has stated that this wire had been returned to XXXX. As of today, there is no proof from XXXX that these funds were returned to the sender. Chase can not explain what happened to these funds or why it is not in my account. Essentially, these are missing funds and need to be reported to the proper authorities.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion, Equifax, and Experian for failing to address my repeated disputes regarding fraudulent and inaccurate information on my credit reports, despite providing all necessary documentation, including an FTC Identity Theft Report, a copy of my identification, and proof of residence. These credit bureaus have violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and remove the disputed items.

The following accounts and inquiries have been improperly reported on my credit file and must be immediately deleted or corrected : Unauthorized Inquiry XXXXXXXX XXXX XXXX Date : XXXXXX/XX/year> ) This inquiry was made without my consent and lacks a permissible purpose, violating XXXX XXXX Code XXXX ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Requested Action : Immediate removal of this inquiry. 
Billing Error XXXX XXXX XXXX Account Number : XXXX ) ** My payments have always been made on time, yet this account is inaccurately reported as delinquent, violating 15 U.S. Code 1666B. 
Requested Action : Correct or update this inaccurate information. 
Reinserted Debt Without Notification XXXX XXXX ( Account Number : XXXX ) ** This debt was reinserted into my credit report without the required notification, violating 15 U.S. Code 1681i ( a ) ( 5 ) ( B ).

Requested Action : Immediate removal of this account. 
Failure to Complete Reinvestigation in 30 Days XXXX XXXX ( Account Number : XXXX ) ** The credit bureaus have exceeded the 30-day investigation period, in violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Requested Action : Delete this account from my credit report. 
HIPAA Violation United Collection Bureau ( Original Creditor : XXXX XXXX XXXX ) ( Account Number : XXXX ) ** Medical information is being reported on my credit file in violation of HIPAA regulations and FCRA Section 623 ( A ) ( 3 ). 
Requested Action : Delete this account immediately. 
Despite my prior dispute letters, TransUnion, Equifax, and Experian have not taken appropriate action. Their failure to comply is a direct violation of federal law.
Product: Money transfer, virtual currency, or money service

Three weeks ago, I wanted to transfer a Roth IRA CD from Truist Bank to another bank ( XXXX ). I was working with a rollover specialist in XXXX to get this accomplished. He informed me that I needed to have Truist write a check to XXXX for the amount in the XXXX to rollover the account. Both the specialist and I were given the runaround for over a week, and we almost missed the grace period. I visited my neighborhood XXXX XXXX branch of Truist three different times ( once with the specialist on the phone ), and each time I was told that they could not write the check. However, when the specialist and I called Truist Customer Service ( twice ), we were told that the rollover could only be done in the branch. The last time I was in the XXXX branch, the manager yelled at me and again insisted that the branch could not help. Desperate, because time was almost up, I tried another branch in XXXX XXXX, and thankfully the representative there arranged the rollover within XXXX minutes. I am making a formal complaint against the XXXX branch, and especially against the manager/head banker there : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> in XXXX, Florida.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

While I was out of the United States, without my knowledge or permission, sixteen checks totaling XXXX were fraudulently written against my checking account.. The checks were forged between XX/XX/XXXX and XX/XX/XXXX. Upon my return to the United States, I went to the bank to withdraw funds for my needs and discovered the account was empty, I spoke with the bank official who acknowledged that the checks were written and cashed during the 2-1/2 years I was outside the United States.. 

On XX/XX/XXXX I reported the forged checks to the police department. On XX/XX/XXXX the person who forged my signature and cashed the checks was arrested and charged with 16 counts of Forgery of Endorsements. I am an elderly person, and the account was used for the Social Security Administration to deposit my social security checks.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX Account Number : XXXX
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, whi

ch 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 ( 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.
Product: Debt collection

I was just served legal papers from a drunken court clerk at my door, threatening legal action for case number XXXX - XXXX by an XXXX  court ( XXXX, XXXX, & XXXX ), for a debt the " defendant '' ( XXXX XXXX XXXX ) claims they obtained XXXX  years ago ( XX/XX/XXXX ) for XXXX, that I never signed anything with them, I dont know who they are. 

This court summons has XXXX XXXX XXXX, when my name is XXXX XXXX XXXX XXXX. 

I ripped up the lawsuit papers because I had no clue why this lady handed me these papers.
Product: Debt collection

I received information from AMSHER COLLECTION SERVICES attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the Consumer Financial Protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected, nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove my disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Product: Credit card

When I opened a card, my account was linked to another person with my same name located in XXXX. Nothing matched. I am located in XXXX, never lived in XXXX. They are nowhere near my age. Our birth dates are different, our emails are different, address is different, phone number is different. They card is also linked to my rewards account, but my card isnt linked to my own rewards account
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX on XX/XX/XXXX regarding this complaint. 

Your phone number XXXX does not ring. It goes straight to voice mail. 

I Ask again that YOU remove the hard inquiry form my credit report as you are a re-seller of credit reports and my information was shared without my consent, to YOU the re-seller. I do not need to reach out to XXXX XXXX as what has occurred by my information being shared to a third party is against the law This is my second communication with you and I Would have to make this a case for noncompliance if you do not remove the hard inquiry from my report. 

This was XXXX XXXX XXXX 's previous response : XXXX XXXX XXXX is a re-seller of credit reports primarily for mortgage processing, tenant screening and employment screening purposes. This inquiry was accessed on XX/XX/XXXX, on behalf of : XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX. Their phone number is XXXX. These inquires remain on a consumers credit report for a period of 24 months ( 2 years ). We have not had any communication with you prior, either written or oral, until the receipt of this complaint. Feel free to contact the original end user listed above with any questions you may have regarding this inquiry. After speaking to them if you still feel this was accessed without your knowledge, contact us at XXXX or phone us at XXXX or write us at XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, and we'll be happy to open an investigation. Thank you and have a great day!
Product: Checking or savings account

XX/XX/2025 Amount : XXXX Capital One bank I have recording conversation between costumer services and me.
Product: Credit reporting or other personal consumer reports

Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Phone : XXXX Email : XXXX Subject : Formal Complaint Against Experian and XXXX XXXX XXXX for Failure to Accurately Report Credit Information To Whom It May Concern, I am filing this formal complaint against Experian and XXXX XXXXXXXX XXXX for failing to accurately report information on my credit report, despite my attempts to dispute the incorrect entries. 

Details of the Complaint : Account Information : Creditor : XXXX XXXX XXXX Account Number : XXXX Status : Closed at consumer 's request with a balance of {$39.00} Late Payments Reported : XX/XX/year> and XX/XX/year> Summary of the Issue : On my credit report, XXXX late payments have been reported by XXXX XXXXXXXX XXXX for the account listed above. These entries are erroneous, as the account is closed, and the balance has been resolved. The inaccurate reporting of these late payments is significantly impacting my XXXX XXXX and preventing me from securing critical funding for my business. 
Steps Taken to Resolve the Issue : I have disputed the accuracy of these late payments with Experian, requesting verification under FCRA Sections XXXX, XXXX, and XXXX. Experian has yet to provide any documentation from XXXX XXXX XXXX  that verifies these late payments. 
I have also contacted XXXX XXXXXXXX XXXX  directly to resolve this matter, but they have not corrected the inaccurate reporting. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Under FCRA XXXX XXXX, Experian is required to provide documentation verifying the accuracy of the reported information. To date, they have failed to provide such verification. 
According to FCRA XXXX XXXX, Experian is obligated to conduct a thorough investigation and correct any inaccurate information. Despite my dispute, no correction has been made. 
FCRA Section XXXX obligates creditors like XXXX XXXX XXXX to report accurate information. The bank has not corrected its reporting, even after being notified of the error. 
XXXX Requested : I am requesting that the CFPB intervene in this matter to ensure that : Experian is required to delete the inaccurate late payment entries from my credit report. 
XXXX XXXX XXXX corrects its reporting to reflect that the account was paid in full and closed without any late payments. 
I am notified in writing once these corrections have been made. 
The continued presence of this incorrect information on my credit report is causing undue financial harm and preventing me from securing necessary funding. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Mortgage

On XX/XX/2020, I received my loan modification paper work, however my wife 's name was spelled incorrectly. We realized this once we went to a notary and they were not able to notarize the paper work due to my wife 's name on the paperwork not matching her Driver 's License.

Called our Mortgage Company, they said they would send a new package with updated paperwork. During this process I continued to make trial payments of {$1000.00} to the mortgage company for three months.

Once they sent me the updated loan modification papers, COVID 19 caused bank branches to close as well as all mobile notary services I called. I called my mortgage company to explain this delay. Finally setup an appointment, got my papers notarize and sent them via XXXX Overnight. 

Then received a letter of denial due to the delay in mailing papers back to LoanCare. They mentioned they I would need to do this process over again. 

I've been trying to handle this for a year now. Sending multiple applications, them denying the loss mitigation application one after another. I just received another denied letter. Filling out another application today but I feel like they aren't willing to work with me. I was already approved and showed I can make my mortgage payments moving forward. I really feel helpless and discouraged, I don't know what's going to happen to my family if we are forced to leave. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS REPORTING AN ACCOUNT ON MY CONSUMER CREDIT PROFILE WHICH HAS BEEN PREVIOSULY DISPUTED AND INVALIDATED. THE FURNISHERS OF THIS INFORMATION ARE ATTEMPTING REREPORT AN INVALID DATE. PLEASE FIND ATTACHED A SCREEN. PLEASE FIND ATTACHED AS EVIDENCE A SCREEN SHOT OF THE ACCOUNT IN QUESTION ON MY CREDIT REPORT WITH THE INFORMATION THAT NEEDS TO BE DELETED HIGHLIGHTED. ALSO FIND ATTACHED MY COMPLETE CREDIT REPORT FROM TRANSUNION. ALSO FIND ATTACHED THE LETTER WRITTEN FROM XXXX TO ME WITH CONFLICTING ACCOUNT NUMBERS. this is costing me a lot of money and it is a violation of my rights under the FCRA guidelines. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I HAVE NOT CONDUCTED ANY BUSINESS TRANSACTIONS WITH THE FURNISHERS OF THIS INFORMATION. DELETE IT IMMEDIATELTY. 

XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$55.00} Date Updated XX/XX/2021 High Balance {$55.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed a fraudulent credit card opened under my name with XXXX XXXX opened end in XXXX with a balance of XXXX $ this is fraudulent and I need it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 .This 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
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 {$630.00} Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I recently checked my credit report and was notified of a debts on my account from ZIONS DEBT HOLDINGS. I contacted the company on XX/XX/2023 at XXXX and told the representative that I did not receive any notification of debt, I only found about about the debt from the credit reporting agency so I was not given a chance to dispute the debt. I dispute the debt and the amount owed. I also requested validation of debt from the company and was told that I would receive the validity statement via my personal email XXXX within XXXX from the date requested. I have not received any written or telephone communication from the company since then. They just keep adding the debt to the various creditors. This company NEVER send me any communication at my home of residence or my personal email in regards to this debt. I didnt not receive any phone calls or notice in regards to this debt. Please help me, thank you.
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 violates the customers financial protection Act ( CFPA ). Specifically Cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected.furthermore, their depute resolution process was deceptive and unfair, as they did not comply with the error resolution requirements under the electronic fraud transfer at ( EFTA ). And regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations!