23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax has had months to investigate fraudulent erroneous transactions on my credit. I have provided these people with more documents than they know what to do with. The problem is, they do not feel they have to follow the statues of the FTC and the FCRA. I have disputed XXXX XXXX several times. I have sent them certified copies of the documents I requested. I have explained to them the identity theft I am facing. I received from XXXX today a copy of a truth in lending with the wrong address claiming I resided there when this so called vehicle was purchased. Equifax does not want to remove it. I have sent numerous letters to them stating what I sent to XXXX. I have provided them with police reports and FTC statements. Clearly, this is a case of negligence on their part. They are ding nothing to investigate this, they are just prolonging it so I can not get my credit where it was prior to the theft. Equifax even deleted the original freeze/fraud date from XX/XX/XXXX and put XX/XX/XXXX. They are not in compliance and they are skating on not following the statues. If XXXX will not produce the documents, then they must remove it from my credit file. They are being difficult on purpose. This has been going on since XX/XX/XXXX. If this continues, I am going to retain an attorney and sue them on the grounds of negligence. Equifax for some reason wants to keep these XXXX delinquent accounts on my credit. The other is XXXX collections. They claim they are attempting to collect a debt from XX/XX/XXXX in XXXX, RI. Well, first of all, when I spoke to them, they claimed it was a debt from XX/XX/XXXX in the home I grew up in with my parents, now I see they are claiming it was from XX/XX/XXXX in XXXX, RI. Well guess what? I was n't even residing in XXXX RI in XX/XX/XXXX and I also did not have service in my name. Therefore, if someone did then they stole my identity yet again. The credit bureau is not doing their due diligence at all and they are simply taking the word of these people who are lying and ruining my credit. The FTC needs to step in and handle this. They need to see to it that the statues and rules are followed as outlined because they are certainly not. The reason they do n't is because a consumer can complain and complain and no one does anything about it. Therefore, it is a waste to complain. The bottom line is I do not owe either one and I am not paying either one. If the CFPB finally chooses to enforce the laws put in place then great. If not, I suppose I will see these people in court. I am tired of their procrastination and their lies. This should have been removed long ago. Especially when I proved I requested documents via certified mail. This meets the standards of the identity theft victim assistance via the FCRA. However, as per usual no one is enforcing it. I am not waiting 30 more days to see that they still have n't removed it, I will retain an attorney and seek damages and prove Equifax is negligent. I hope that some of these incompetent people are fired because they are careless, cold people who do not try to help. This is a government agency, therefore, nothing gets enforced.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2013 a XXXX account was opened with XXXX XXXX. This account is a fraudulent account opened by my ex while I was XXXX for XXXX XXXX military service. I had no knowledge this account existed until my social security wages were garnished. Ive contacted the company and disputed this with 2 major credit reporting agencies. This account now reflects a XXXX balance and this is negatively effecting my credit score
Product: Credit reporting or other personal consumer reports

The account should have been deleted from XXXX, XXXX and XXXX. It is still being reported
Product: Debt collection

XXXX XXXX XXXX Affidavit XXXX XXXX XXXX XXXX XXXX XXXX Refused for Fraud as Color of Law, Do Not Consent, Account Involved in Litigation as Colorable Cause and Jurisdiction Invocation for 15 USC 1692g ( b ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), and 15 USC 1681e ( b ) : ATTN : Fraud Dept : Item Blocked Per Valid Copy of Policed Report Received Confirming Consumer is a Victim of Fraud Due to General Affidavit of Denial of Corporate Existence Judicial Notice : Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, No Contract, Not Contractually Liable, Not Responsible for Payments, Consumer to be Deleted, Third Party Collection Agencies Bankruptcy Petitions Have Filed Inaccurate Accounts Reported in Error, Cancelled and Returned to the Original Creditor, Removed from Credit Report, Have Been Confirmed as Fraudulent, Delete Due to Fraud, Can not Be Verified by Credit Grantor and/or Original Data Furnisher, Signature Rescission Caused by Inducement to Fraud, Clearfield Doctrine Colonialization Due to Violated 18 USC 157, 18 USC 156, 18 USC 155, 18 USC 154, 18 USC 153, and 18 USC 152 : You Have Not Supplied Proof Under the Doctrine of Estoppel by Silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I Presume that No Proof of the Alleged Debt, Nor Therefore Any Such Debt, in Fact Exists Due to United Nations Declaration AA222141. 

DELETE ENTIRE ACCOUNT DUE TO CONFIRMED FRAUD : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX TX XXXX, DELETE ACCOUNT FROM BUREAU DUE TO FRAUD : Declaratory judgement counterclaim caused by character defamation, intellectual property infringement, adverse possession claim, and sedition due to colore officii as reckless disregard for reasonable articulable suspicion caused by misconducted commercial liability corporate malfeasance due to negligent public oath officer XXXX XXXX XXXX also known as XXXX, XXXX XXXX also known as XXXX XXXX XXXX impairment of the mental or emotional processes that exercise conscious control of one 's actions or of the ability to perceive or understand reality, which impairment substantially interferes with a person 's ability to meet the ordinary demands of living, regardless of etiology doing business as Chief Executive Officer doing business as Experian Information Solutions, Incorporated doing business as Experian, XXXX XXXX doing business as Experian XXXX XXXX, et XXXX, EMPLOYER IDENTIFICATION NUMBER : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX 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.

15U.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.

These inaccuracies are stopping me from getting a house for my family and car for kids.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I initiated a wire transfer from my checking account at Citibank to an account at Bank XXXX XXXX XXXX {$110000.00}, which was deducted from my account on that day. 
Neither Citibank nor anyone else informed me that the wire was not posted by the recipient bank. I had no indication of any problem until the recipient informed me on XX/XX/XXXX that Bank XXXX informed the recipient that the bank had rejected the wire. Ultimately, Bank XXXX provided a document claiming to have returned the payment on XX/XX/2023. That did not happen. 

I called Citibank XXXX XXXX on XX/XX/2023 to inquire as to why I had not received the {$110000.00} back in my account, and was informed by XXXX XXXX that Citibank had never received notice of the rejection of the wire, which should have been received. As a result, I initiated a recall of the wire in XX/XX/2023, which I was told by Citibank was my only option. 

On XX/XX/2023 my account was credited with {$110000.00}, representing funds returned by Bank XXXX at that time. However, the returned funds is short by {$4400.00} from the amount deducted from my account for the wire. The explanation given for the shortfall is the change in the exchange rate between XX/XX/XXXX and XX/XX/XXXX. This delay never should have occurred. The wire should have cleared or been immediately rejected. Bank XXXX claims it rejecyed it promptly, at which point Citibank should have demanded the money. Had it done so, I would have received roughly the full {$110000.00} in my account. 

I opened several cases with Citibank, none of which were given any real attention.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
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: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

NOTICE : Identity Theft Nonpublic Information Shared Without Consent Attn : Consumer Support Services I conditionally accept your offer upon proof of bona fide claim. 

1. Pursuant Federal Law 15 USC 1692 ( a ) congress made it very clear that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors which includes Midland Credit Management. Congress also made it clear that Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

2. Pursuant to 15 USC 1692 ( e ) congress also made it clear that the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, and to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 

3. Pursuant to 15 USC 1692 ( XXXX ) I am a consumer a natural person not obligated to pay XXXX XXXX Funding. 

On ( XX/XX/22 ) I received a letter in the mail from your company ( Midland Credit Management ) stating that I allegedly owe {$960.00}. In fact, pursuant to 15 USC 6801 ( a ) I believe my nonpublic personal information was stolen, used or my individual privacy rights were violated by Midland Credit Management. I did not consent to or give Midland Credit Management authorization to have my nonpublic personal and private information. Please provide me with an express written consent or authorization form as proof of bona fide claim. 
Please be clear, complete, and accurate with any supporting documentation that proves your claim is valid. 

Notice : Further attempts to collect on an account already agreed to setoff settled and close leads me to believe you may be committing FRAUD and shall incur a penalty and/or criminal liability for XXXX XXXX dollars ( {$10000.00} ) each day this account is being furnished on my credit report. This is my offer to Midland Credit Management. Failure to comply under federal law will result in a claim filed against you. 

Regards, XXXX XXXX
Product: Mortgage

Back XXXX i sent out a letter concerning payments with this mortgage company and they sent me out a letter stating that due to the hurricane Erma that they would revise XXXX, XXXX, and XX/XX/XXXX and it is still reporting inaccurately on my credit report and I would like it to be adjusted on all three bureaus letter in attachments. Also I sent out a letter stating due to family crisis financial burden that I needed 3 payments prior in XXXX and XXXX to be modified and supporting documents and dates are listed in attachments as well. I was told any letters or concerns with payments should be sent to XXXX and I have done so with no responses or feedback on emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide me with all of the you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal. 

1. Tell me in writing what you refuse to remove and why.

2. Tell me in writing what you did to determine that the was accurate.

3. Note the as disputed BY the CONSUMER on my credit report.

According to the Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report., anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.

According to the provisions of the Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below.
Product: Mortgage

I received a modification with Chase Mortgage and informed that upon completion of the modification Chase Mortgage would update my information to reflect up to date and no payments late. this will enable me to refinance my home, I have requested they correct the information at my credit to reflect the agreement however they have not complied with my request.
Product: Debt collection

In response to complaint  XXXX  AMERICOLLECT  XXXX   XXXX  ACCOUNT  XXXX  To Whom It  May  Concern : Your company have violated the provisions of section  XXXX ,  XXXX  ( a ) (  XXXX  ), or  XXXX  ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ;  XXXX   XXXX  Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA  605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible. Thank you.     XXXX ,  XXXX  SS #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX  COURT  XXXX ,  XXXX , FL  XXXX
Product: Debt collection

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing XXXX, XXXX, AND EXPERIAN about these inaccurate and incomplete items they are reporting on my credit report and have not deleted nor sent me documents verifying the validity of the alleged debt. I have usps certified mail tracking numbers for all letters with no response. please see the attachment below
Product: Credit reporting or other personal consumer reports

Date XX/XX/year> {$34.00} Company XXXX  Need to be updated ..... 
Incorrect data
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX We went to court over this .One the order the order is blank. A copy of this order was sent to all credit reporting agencies. And the child support on that amount is not social security number. All credit reporting agencies will receive this and so will the child support registry in XXXX. If is found harsment. There will be a law suit filed. If one on can understand that court order. Where it starts blank in the order. By law I have the right to see that court order the child support registry has. To make sure everything matches what I have
Product: Credit reporting or other personal consumer reports

Experian has closed XXXX complaints today and notified me that there still working on the issue, ITS ALL THE SAME COMPLAINT EXPERIAN IS STEALING PEOPLE 'S PAYMENT HISTORY TO KEEP SCORES LOW
Product: Money transfer, virtual currency, or money service

Cashapp allowed someone to fraudulently hack my account and take XXXX from my linked card. When I received the email and text from my bank that it was taken out, which was almost immediately, I tried to contact Cashapp. They had no one to speak with. No chat because the transaction was still pending. And instead of reversing the transaction I had to wait until it was no longer pending to make a complaint and try to get my money back. I tried several times to fight the transaction. It was fraudulent. I removed my linked card. I went to my bank and got a new card so no more transactions could occur, and I let them know as well. Cashapp continued to deny my claim and said they found the transaction to be done by me. When I asked for proof they sent transaction history from my cashapp that I could see when I open the app. I explained to them that it didnt mean I did the transaction look at my history. I send money to my husband and maybe my children. No one else! They never gave me the info or showed proof of the paperwork that shows I made the transaction, even though I asked several times! I kept trying to make another complaint and open it up again and they would send me the same stuff. When I tried to speak to someone or chat they would disappear and a bot chat would come up. Cash app owes me XXXX and Ive been trying to get my money refunded for months. Please help!
Product: Credit card

I paid off my credit card 8 days before the due date. After the due date, I received bill, stating I owe {$15.00} and some change. I made contact with the credit card company, and was informed they would take care of it. I was told it would take 5 business days to see the change on my account. I checked my account after 7 day and the amount had doubled. I called the credit card company and asked to speak w/ a supervisor and informed them I paid my account off prior to the due date. I was told once again that it would be taken care of and the supervisor said she was making adjustments to my account as we spoke. she informed me it would take 5 business days to see the change. I waited and checked my credit card account 5 business days and now the credit card company shows a balance for me of {$59.00}. I do n't understand how I pay off my account and accrue a balance and I call and call the credit card company about this issue and my calls falls on deaf ears and they continue to add fees to my account.