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

I contacted TransUnion by telephone & email many times to resolve this problem. In XXXX of 2015, someone stole my credit card information and made fraudulent purchases. They also attempted to open new accounts in my name, but were unable to due to lack of verification by me. Because of this, TransUnion refuses to allow me access to my credit reports, freezes, etc. online FOR LIFE. XXXX XXXX XXXX have no problems with this. I've asked TransUnion to allow me to identify myself in any way to solve this, but the requests go unanswered. Anytime that I have tried to log in to my online account, I get a " this account is locked '' type message.
Product: Money transfer, virtual currency, or money service

XXXX XXXX - XXXX is sending fake payment requests via PayPal with this message : " Your Payment of {$390.00}. XXXX to XXXX XXXX XXXX appears to have been unauthorized. If you did not make this transaction contact us @ XXXX ( XXXX ) XXXX ''. 
Its trying to tricky innocent people using an anti virus famous name asking for money via PayPal ... sending fake invoices...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my attorney reached out to XXXX XXXX requesting information regarding my account. She was then directed to speak to the Creditors attorney. 

My attorney has requested information/documents on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It has been more than 30 days and she has yet to receive a response or requested information from both XXXX and their Attorney. 

XXXX was advised to direct all correspondence to my attorney and she has yet to receive anything after 3 attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO IDEA HOW THIS ACCOUNT GOT ON MY CREDIT. SOMEONE IS USING MY IDENTITY. THE CREDTI BUREUAS ARE FURTHER VICTIMIZING ME BY REPORTING THESE FRAUD ACCOUNTS. I HAVE NO IDEA WHERE THESE INQUIRIES COME FROM. THEY ARE NOT MINE AND SHOULD NOT BE ON M Y CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX credit card has reported a miss payment to my Experian credit report and also on XX/XX/2018 reported to XXXX and XXXX with inaccurate and obsolete information thats shows on all 3 credit bureaus and they will not remove it.
Product: Money transfer, virtual currency, or money service

Signed in to Cash App to receive payment. When notified via email that payment was received Cash App requested upgrade of app type to business account and requested verification and transfer of funds out to which they said would immediately be credited back. As soon as the verification transaction was done another email was sent and verification was in process and would be credited back as soon as it was complete. Then another email came about a tax clearance and this is when we attempted to reach out to Cash App and they said they could not do anything since the transaction was already complete and didnt care about anything that had transpired. We tried to cancel transaction and it would not allow us to. Why would they have this functionality if it does not work! We immediately contacted our bank, the police and cash app again to file a claim which took numerous attempts for them to even verify information to research. Based on numerous posts we have read it seems to be a very consistent trend with Cash App to which they are doing little to nothing to fix. Fraud through Cash App seems to be running rampant and the consumer is getting beat.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  IL, XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my credit report. As a consumer, I have the right to ensure that all information reported by your agency is accurate and verified under the Fair Credit Reporting Act ( FCRA ).

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) has filed legal action against Experian for failing to properly investigate consumer disputes. As such, I am requesting that you thoroughly investigate and verify the disputed items listed below in accordance with your legal obligations " This account is not mine '' or " This account was paid in full. 


Sincerely, XXXX XXXX XX/XX/XXXX According to FCRA Section 611, I have the right to a full investigation of all disputes and to receive timely communication regarding the outcome. If these accounts can not be verified or corrected, they must be removed from my credit report immediately.

Additionally, please provide written confirmation that you have received this dispute and are conducting a proper investigation, as required by law. I will follow up in 30 days to ensure compliance and resolution of this matter. 

Thank you for your prompt attention. I look forward to your response.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Bureaus for Violations of the Fair Credit Reporting Act ( FCRA ) and Other Federal and State Laws Complainant : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am filing a formal complaint against Bureaus for multiple violations of federal and state laws regarding the handling of my credit report. Despite my repeated efforts to dispute fraudulent and inaccurate accounts on my credit file, Bureaus has failed to comply with legal requirements under the Fair Credit Reporting Act ( FCRA ) and other regulations. Below is a detailed account of the violations and demands for corrective action : Violations : Failure to Notify of Debt Validation ( 15 U.S.C. 1692g ) : Creditors and Bureaus failed to provide written validation of debts within five days of reporting accounts, violating debt collection laws.

Failure to Ensure Accuracy ( FCRA 607 ( b ) ) : Bureaus did not maintain maximum accuracy in reporting. Discrepancies in balances, dates, and account statuses persist.

Failure to Investigate ( FCRA 611 ( a ) ( 1 ) ( A ) ) : Bureaus failed to investigate disputes within 30 days, violating legal timelines.

Failure to Reinvestigate ( FCRA 611 ( a ) ( 6 ) ) : Despite multiple disputes, Bureaus did not conduct proper reinvestigations as required by law.

Failure to Protect Personal Information ( Gramm-Leach-Bliley Act, 15 U.S.C. 6801-6809 ) : Bureaus failed to safeguard my personal information, allowing identity theft.

Identity Theft Protections Ignored ( 18 U.S.C. 1028 ) : Bureaus failed to address fraudulent accounts despite identity theft protections under federal law.

Failure to Provide Resources for Identity Theft Victims ( 15 U.S.C. 1681g ( e ) ) : Bureaus did not implement fraud alerts or offer support for victims as mandated.

State Law Violations : Identity theft protections under Florida Statutes and Connecticut General Statutes 53a-129a to 53a-129d were ignored, violating state laws. 

Fraudulent Accounts : XXXX XXXX Account Number XXXX XXXX : Account Number XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Addresses : Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, '' must be removed immediately XXXX 

Demands : XXXX removal and blocking these accounts Written confirmation of account removals and an updated credit report. 

Implementation of fraud alerts and compliance with identity theft protections. 

Detailed investigation findings in writing. 

If these issues are not resolved within 15 days, I request CFPB intervention to enforce compliance. I reserve the right to pursue legal action under FCRA and related laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered a credit monitoring package that helps take unauthorized inquiries off my credit report, In addition to that, the report on this site, is inaccurate. 

First off there are excessive inquires that I did not authorize but are on my recent credit report. 

Creditor Name Type of Business Date of inquiry Credit Bureau XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXXExperian XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Auto XXXX XX/XX/XXXX Experian XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX All Banks XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Experian XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Used XX/XX/XXXX Experian XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX ExperianXX/XX/XXXX/ Miscellaneous Finance XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX I do not recognize any of these shops except XX/XX/XXXX XXXX Experian XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX The rest of this companies I do not recognize and did not give written, or oral consent to inquire and share it with reporting agencies.
Product: Checking or savings account

My checking account continued to be debited for unauthorized transaction for XXXX XXXX XXXX XXXX My account was linked to a LOC ( Personal Line of Credit ) for Overdraft Protection, so it too was depleted. My total loss between both the checking accounts and LOC was approximately {$4000.00}. I have statements that show list of ALL transaction dates, amounts, and name of online gaming vendor ). 
I have contacted Bank of The West local branch, I have completed a dispute per branch manager advise, but the bank did NOT refund me my money. I even contacted District Manager, but I was totally disregarded. 
Please note that these transactions where made from a secondary checking account, that wasnt used often ; not my primary checking account so I was unaware of what was happening, and unfortunately although the bank does get a daily overdraft report that the Operation Manager receives, is required to review, and is required to contact customer whom are overdrawn, or show suspicious activity I was never contacted.

At the time Covid hit and I was XXXX  and couldnt follow through with trying to get my money back. I am ready to provide all info needed to support my complaints, and hope you can assist me in getting my money back. 

Thank you, XXXX XXXX
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 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 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 XXXX 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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information in 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 corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

This issue is with Wells Fargo..our car got repossessed and we had 21 days to pay the payment they wanted to get it reinstated well we paid it in the 21st day which is today the Monday XX/XX/XXXX. They said on phone it had been moved to an auction house XXXX hrs away from where it was supposed to be stored. Now they are telling us it's gon na take 10 days before car can be relocated back for us to pick up. They didn't give us any notification that they were moving it or give us any chance it time to pick up our personal belongings out if it ... which by law I believe they are supposed to do within three days after picking it up. So also now I spoke with bank on phone and they still say it's gon na take XXXX days to retrieve the car or I can make appt with auction place to pick it up myself. Well I obviously dont have a vehicle to pick it up right?! And they are also saying another payment is due at end of XXXX well I don't even have my car in my possession due to them sending it off before grace period was up o feel as if I don't have to pay that said payment because car will not be in my possession on says dates payment us owed. What can I do? Plz help I feel like I'm getting worked over here by this bank.
Product: Credit reporting or other personal consumer reports

I would like these illegal addresses thats being reported on my Experian, XXXX, and XXXX report removed asap. According to USC Sec 16b1681li ( a ) and FCRA these addresses must be removed immediately. Thank you. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance XXXX {$940.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$1300.00}.
Product: Credit card

I've consistently made sure payments on this account are timely, preventing them from becoming overdue. I'm unsure of the reasons behind reports of late payment remarks on my accounts. Based on 15 USC 1666b - Billing Error should be corrected.
Product: Debt collection

Southwest Credit of XXXX XXXX XXXX, Suite XXXX in XXXX TX XXXXcontacted me by phone on XX/XX/2018 claiming they were trying to collect a debt owed by me. 

I was unaware of said debt and dispute the validity of this supposed debt. They threatened to damage my credit history and take legal action against me if I did not pay. When I continued to assert that the debt was invalid they called me a " XXXX son of a XXXX '' and demanded that I provide a credit card number to pay immediately. At this point I disconnected the call.
Product: Debt collection

In XX/XX/XXXX, I had an XXXX XXXX on XXXX XXXX in XXXX XXXX, CA and was taken to the emergency room at XXXX XXXX XXXX for treatment. This was the second visit to this ER in less than a year. 

I had been unemployed since XXXX due to my XXXX. At the time, I had XXXX insurance that I was paying out of my savings. I was receiving unemployment ( ~ {$450.00} / week ) with a XXXX supplement ( ~ {$300.00} / week ). My income was far below 350 % percent of the Federal poverty level. During the year before I had my XXXX, I had medical bills of more than {$10000.00} ( far more than 10 % of my income ). California law ( SB-1276 Health care : fair billing policies ) requires hospitals to provide discounted care to patients more than 350 % below the Federal Poverty level and with out of pocket medical expenses more than 10 % of their income. 

I spoke with billing agents at XXXX. They told me ( over their internal messaging system ) that I needed to apply for their charity care program. At the time, they told me they could not accept an online / emailed application and that it would need to be sent via mail. I mailed an application to them with copies of my unemployment paperwork, as well as all of my medical bills. I never heard back from them. I tried reaching out by phone, but was told that they could not tell me anything about the status of my application. I started receiving bills for my care again in early XXXX at my parents ' address in Texas ( where I moved when my unemployment and savings ran out ), so I sent another application form in, this time with my XXXX W-2, which shows an annual income of ~ {$39000.00}. 

In XXXX of this year ( XXXX ), I received a bill from USCB America ( a medical debt collector ) trying to collect this bill. Because the hospital has not provided me with discounted care, it is not legal for this debt collector to attempt to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However I requested details of how they verified them and to whom they spoke with to verify these items. They have yet to provide my this information that is required by law. Also when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint. I have also filed a FTC Complaint as well. 
Account related items are. XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX & XXXX XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX
Product: Debt collection

This company has never identified themselves, though in multiple saved voicemails, they refer to themselves as American radio international, which is a lie. I have no idea who they are, what debt theyre trying to collect, why they are frequently contacting waaay more than 7 times in 7 days, nor do I understand why they are spoofing numbers and lying about their name. This company is harassing me, breaking federal laws, has never once sent me any sort of mail and/or debt validation, and Im tired of it. They need to stop contacting me since theyre incapable of doing any of it professionally or legally.
Product: Checking or savings account

On XX/XX/year> I lost my phone and my card was wrongfully used it was not authorized to be used and I was charged {$160.00} I reported this to Wells Fargo and they provided provisional credit while they investigated the card was replaced and they sent out a new one.. on XX/XX/year> my card again was used without my knowledge and I disputed the transaction however I filed the claim late on XX/XX/year> as I didnt receive any alerts of the transaction and only found out about it when I went to go use my card and my transaction was declined I called the bank they opened a dispute but didnt provide any credits.i went to go file a police report but the disputes had been closed and denied. Upon calling the bank to have the cases reopened and provide the police case number the bank denied me from reopening the cases and told me the police report isnt necessary as they already closed the case and wont open it again so having the case number isnt going to get me my money back. So I now the bank refuses to reopen my case and they told me that they will not return my funds even if I can prove that the transaction was indeed fraudulent as they already made a final decision and will not overturn it regardless of any new eveidence presented.
Product: Credit reporting, credit repair services, or other personal consumer reports

The class action multi state settlement includes my loan repossession I have called Santander consumer attorney generals office for both the state I reside and sate I resided at the time. The settlement administrator I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. You try to clean up your credit for going on 3 years now but they dont want you to win you will be charged less money if you get back to where you once was.
Product: Credit reporting or other personal consumer reports

upon review of my credit reports, i notice several accounts and inquiries that i have no knowledge of and did not authorize, ive sent disputes and id theft reports with my disputes on XX/XX/year> and these items are still on my reports, i also updated my id theft report on XX/XX/year>