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

1. XXXX XXXX XXXX : disputing information on credit report since XX/XX/XXXX to XX/XX/XXXX ; car loan was paid off by my insurance due to being totaled in a car accident in XX/XX/XXXX. They are reporting to the bureaus that the loan was a charge off and balance not paid in full. Disputed claim with no information of findings. 

2. XXXX XXXX XXXX XXXX XXXX : reported to bureaus and the company that the mortgage loan was not included in my bankruptcy case. Reafffirmation documents were sent to XXXX in XX/XX/XXXX and this month of XX/XX/XXXX. No change on credit reports has been submitted. 

3. XXXX  XXXX XXXX : company is reporting that I was 120 days past due in XX/XX/XXXX and and XX/XX/XXXX, I contacted the company and was told that I didn't have a loan on file. My loans were sold and consolidated in XX/XX/XXXX and I have been making payments to XXXX XXXX XXXX since then and am in good standing.
Product: Money transfer, virtual currency, or money service

In XX/XX/2021 a company hacked into my phone without my permission and gained access to my back account as I was trying to get the hacker out of my phone they went into all my bank accounts there were no funds in any account except for the navy federal account and at that time they used the zelles app in the bank app to with drawl money out of my account. I made a police report, reported it to the back. They denied the fraud claim stating it was my fault and then I appealed and with in a day or two they denied the appeal again saying it was was my fault. There was a police report and everything done. I did not authorize any charges. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report I saw that there were multiple accounts I did not authorize. Nor did I benefit from any transactions listed in this report. These items are from unauthorized use of my social security number.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX XXXX, was never late! I have had exceptional payment history with XXXX XXXX  XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in my account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I had a {$2000.00} Amex gift card and went to use it and only had {$11.00} on it. I did use the initial {$300.00} on XXXX XXXX  at XXXX. I kept it at the house ever since. I went to use the balance on the purchase of a refrigerator at XXXX 's on XXXX XXXX, XXXX  and they said I only had {$11.00} applied. I looked up activity online and realized somebody had charged most of the value at various vendors over the past 4 weeks. I was able to stop about {$510.00} of it since it was pending and AMEX halted the pending transactions, but weren't willing to do anything about the ones that had already gone through. The card was at my house the whole time and not out of my possession. There are no measures of security to protect against fraud. I bought the card through AMEX, so it is not like I bought it at a store where someone else could've read the numbers. AMEX told me I have to reach out to all of the vendors where card was spent to see if I can recover the money. They were not willing to take accountability on their end to consider that my numbers are possibly a security breach on their end. I am disgusted with their lack of security and effort to make it right after the fact.
Product: Debt collection

XXXX XXXX, I had purchased a XXXX  XXXX XXXX in 2015 it didnt work I called the company and they said they would send me a new one. I received the new one and XXXX XXXX said to send the old one back .After receiving the second one that one didnt work either .So I called they said to send them both back I did .Since I have been tring to fix my credit I have seen this same charge on my credit report which is affecting me from tring to rent somewhere else. Please remove this thanks XXXX
Product: Credit card

My business was closed in XXXX. A former secretary had a business card in my name. Without my knowledge or permission she continued to use this card for her personal use until XXXX, XXXX. 

I did not know this card was opened, because a new card was opened in approximately XXXX. I thought the old card, opened in XXXX, was this new card. She had been using the old card and it continued to exist without my knowledge since approximately XXXX. 

This former employee also conducted business in my name, including operating bank accounts in my name. She forged my signature repeatedly on state of alabama bar complaints to avoid detection. In XXXX, this was discovered and bar complaints were resolved. 

But, this one card, and one bank account went undetected. it was recently discovered and the initial contesting of the charges was initiated in XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud : XXXX XX/XX/2022 and XXXX XX/XX/2022. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts XXXX/XXXX  XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Charge Off : XXXX XXXX XXXX {$4000.00} Inquiries : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and talked to an agent with the ID # XXXX as well as her supervisor with agent ID # XXXX on XX/XX/2018 about accounts listed on my credit report as open and in collections. As well I filed a dispute online a month ago. They refused to fix it. I have documentation in the form of Filed Bankruptcy Schedules as well as a Order of Discharge under U.S.C. SS XXXX Ordered By the honorable XXXX XXXX XXXX Eastern District Federal Court Michigan on XX/XX/2018. As such all and any accounts included in the bankruptcy must be listed as closed and included in bankruptcy. The company is not acting in good faith to correct the issues. This has caused me personal damage. And is illegal under FCRA. I have attached a copy of my report that clearly shows a account listed as open and currently in collections. But it also says in Bankruptcy. As such they know it was discharged, and they refuse to fix it and close or remove the account.
Product: Debt collection

New reporting from Enhanced Recovery Company on credit for debt with XXXX XXXX. Have reached out to XXXX XXXX multiple times and every time I have called they have no record of prior phone conversation. Disputed debt with ERC. I had tried to cancel service with XXXX XXXX 3 months prior to getting it turned off. They had charged for the equipment which was returned. They placed the debt with a different collection agency which was disputed as well. I was told I would hear back from them if there were any problems. I heard nothing. This new collection agency stated that XXXX XXXX would have had to notify me prior to them taking the account in XX/XX/XXXX. I did not receive information. The costumer service at XXXX XXXX is never able to help me and every time I call I am on the phone getting changed between departments for over 30 min or the call some how gets dropped. I have not had proper communication or notification about this debt and have tried to resolve the problem over the last year.
Product: Money transfer, virtual currency, or money service

Beginning XX/XX/21 through XX/XX/21 I had several aunauthorized transactions to a merchant called XXXX on my cashapp account which is serviced by square. On XX/XX/21 I contacted cashapp support and they filed a dispute on those transactions. I received a partial credit for a few of the transactions however there were still 31 transactions for {$99.00} each that I did not receive credit for. They then tell me in an email on XXXX that they will not be returning the remaining funds and they have no additional information and for me to reach out to the merchant. I explained I did attempt that however i never received a response. I emailed several more times asking why the dispute was denied and was never given a reply or a reason. I resubmitted the dispute on XX/XX/21 and was told I would receive an update in 10 business days. Today is the 10th business day and still I have not received anything.
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 52 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was noted that my XX/XX/XXXX mortgage payment was received 30 days late. It was received and processed by the mortgage company XXXX XXXX on XX/XX/XXXX. There is 28 days in XXXX. A XX/XX/XXXX processing of the full mortgage payment would put the payment as being received in 28 or 29 days depending on how days are viewed..

This 30 day late and all comments on my credit reports for XXXX XXXX needs to be removed as this is a FCRA violation of inaccurate reporting. 

Please remove all comments and the 30 day late mark from my credit reports.
Product: Mortgage

My payment has been paid on XXXX/XXXX/2017 which was mailed on XXXX/XXXX/17 and still as of XXXX/XXXX/17 my payment has not been posted to my account, and been advised I will get late fees even though im still under RESPA protections. also the sub servicer XXXX would not admit that the loan is serviced on behalf of The Money Source. so the whole process ive been lied to and no help resolving this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX  XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : USDOE/XXXX ACCOUNT NUMBER : XXXX
Product: Bank account or service

Wells Fargo is allowing fraudulent activities and theft in the amount {$3700.00} in unauthorized checks in which I was not present over the course of XXXX months. I suspected fraud activity related to my account in early XX/XX/2016 and went in to a branch on located at XXXX, XXXX NC. At that time, I put a verbal pass code on my account and specifically indicated is authorized to make withdrawals from the account. XXXX on XX/XX/2016, an unauthorized withdrawal was made in the amount of {$2000.00}. At that time, I was informed that this money would be refunded back to me if I was not physically present to obtain the money. Since that time, there has been XXXX more unauthorized transaction made on XX/XX/2016 * {$1000.00} XXXX and XX/XX/2016 ( {$750.00} XXXX. Today I was informed that my claim for the {$2000.00} was denied because the signatures matched. This is ridiculous and fraudulent as I was not physically present to authorize these withdrawals. The XXXX is allowing this fraudulent activity and failing to verify identification and my verbal password for the account. My business has suffered as a result and my account balances are falling low due to the NSF fees of more than {$200.00} and these transactions. I am requesting that this branch pull the video and refund me my money and NSF fees for allowing these unauthorized transactions to occur this is ridiculous. Please be advised that I will file a suit for damages if these funds are not placed back in my business account. Additionally, I all NSF fees refunded since XX/XX/2016. On XX/XX/2016, Wells Fargo XXXX my account due to NSF fees and I have not been able to use this card since that time ; therefore, it is impossible to have withdrawals for this account without providing identification and my verbal pass code. 
This is my final demand before I proceed with a adversarial approach and file a suit in court.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later and I have yet to receive a response. I feel as though I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted expeditiously. 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 XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT CORP SOLUTIONS IN reported a debt of {$5600.00} on my XXXX credit report. This is identity theft and does not belong to me.
Product: Credit reporting or other personal consumer reports

Hi I notice some unauthorize inquires, collection, close accounts, auto loans, XXXX loans, personal loans, other accounts on my report and accordance with the FCRA ( fair credit report act ) Id like to have them remove immediately or pay and pay as agree in never late Pursuant to 18 USC 8, I owe no debt these company is violating my consumer right to privacy pursuant to 15 USC 1681 b 15 USC 1681 4 company has also no permission to report anything using my information these are close account thats late in not pay as agree they not minds XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} Auto Loan thats close and not minds XXXX XXXX XXXX XXXX {$20000.00} XXXX Loan thats not minds neither DEPT OF EDXXXX XXXX XXXX XXXX Personal Loan not minds XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX say its late its not minds and 15 USC 1681 A Late payment Other Account not minds 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 AND 12 Inquires Now what i want is proof of all the stuff im bout to write down 15 USC 1692g Validation of debt 15 USC 1692e false or misleading representation 15 USC 1692j furnishing certain deceptive form 15 USC 1681 A late payment RULE 1002 requirement of original 18 USC 1028A aggravated identity theft
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX These accounts are not mine, I do not want them on my credit report, I need them to delete them.