23daVinci/CFPB_Complaints huggingface dataset:
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 Account # : XXXX Amount : {$1400.00} XXXX looked at my Equifax credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall.

( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 had a medical imaging  bill sent to collection that i thought shouldve been taken care of by my insurance provider. Im trying to fix my credit and now to try and buy a home. I called the the collection agency to resolve this by paying it but they told me they were not authorized to take this off my credit report. I did not pay it because i was told my my loan adviser not to pay if they could not get it off my report because it wouldnt do us any good. The date off the collection was on XX/XX/2013.
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. 


Account name : XXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX Account NumberXXXX Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I am filing a complaint against Lincoln Financial today because they are reporting inaccurate information on my credit report which is affecting my ability to qualify for a Conventional Mortgage. I have tried to resolve this issue by contacting Lincoln Financial directly but there has been no resolution. They are reporting a 30 day late payment on my credit report in XX/XX/XXXX which is inaccurate because this is not reflecting the payment that I sent thought XXXX XXXX on XX/XX/XXXX. I sent a payment in the amount of {$360.00} on XX/XX/XXXX which was delivered on XX/XX/XXXX. The payment not posting to my account is in result of a bank error and needs to be corrected immediately before further action is taken. I have attached a copy of my XXXX XXXX statement, proof of payment, and a copy of my credit report.
Product: Checking or savings account

The problem is with Wells Fargo Bank. I disputed charges on my account from a company called XXXX for a XXXX  business. The promise me that my E-commerce website would be successful in selling products and it wasn't. I paid XXXX for an upgraded package to boost sales and it did not boost it. So I filed a dispute with Wells Fargo and they credited it back to my account. My father died on XXXX XXXX XXXX I spent my entire savings of over XXXX on his funeral and burial. I had to apply for a car title loan. I received the money for the loan in my account. The day of my XXXX funeral, I tried to get a ride with XXXX after the repass and I my bank account declined. I was stuck without a ride home. I checked my account and saw where Wells Fargo went and took the money they credited me back out of my account. I had over XXXX in my account. They took it because I didn't reply to the letters they sent me about the claim. My father had just died. I was running around town make arrangements, and planning his services. I was not only grief stricken, I was mentally and physically exhausted. I forgot about checking my mailbox. So, Wells Fargo took my money back out of my account. I received my Social security payment and it's gone too. I am over XXXX in the negative in my account now. I have no money. I have to pay back the title loan or I'll lose my car. Wells Fargo Bank has devistated me. Leaving me with no money. I want my money back in my account that they put in there when the XXXX company didn't fulfill their promises. I want my money back. Please, please help me! My l Wells Fargo account number is : XXXX. The claim number is : 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 has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account 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.C1692C Section ( a ) Communication with the consumer Generally : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debts.
Product: Money transfer, virtual currency, or money service

A scammer messaged my sibling saying your social media accounts would be enable if proceeded the following instruction with transferring money through Zelle. Still harassing a XXXX XXXX XXXX child. Now is afraid of getting hacked and with my personal name and number being put out, I am now afraid. I want my refund of {$240.00} back and my life to be safe.
Product: Credit card

Inadequate Response to Fraudulent Charges by Chase Bank Description : I am filing a complaint against Chase Bank regarding their inadequate response to my disputes about unauthorized charges by XXXX XXXX XXXX. 

Details : Unauthorized Charges : XXXX XXXX XXXX charged my card {$2700.00} without my consent or signature. The charges included {$1000.00}, {$1500.00}, and {$200.00}. At no point did I authorize these charges. 
Forgery : The merchant provided a document with a forged signature, claiming a charge of {$1000.00} for damages I did not cause. This document is fraudulent, and the charges are baseless. 
Chase Bank 's Inadequate Response : Initially, I filed a dispute for these charges. Chase closed the dispute without a proper resolution. 
I reopened the dispute, and Chase only refunded {$200.00} out of the {$2700.00} charged. This partial refund is illogical and inconsistent. If the document for {$1000.00} provided by the merchant is considered legitimate by Chase, why were the additional charges ( {$1000.00} and {$1500.00} ) not refunded? 
Key Points : The charges by XXXX XXXX XXXX were made without my authorization. 
The only evidence provided by the merchant is a fraudulent document for {$1000.00}. 
Chase 's partial refund of {$200.00} is inadequate. If the merchant 's document is legitimate, why were the additional {$1600.00} not refunded? The total amount charged is {$2700.00}, and only {$200.00} was refunded. 
Resolution Sought : I request a full refund of the remaining {$2500.00} that was charged fraudulently. 
I seek an investigation into the practices of Priceless Car Rental and their fraudulent activities. 
I expect Chase Bank to review their dispute resolution process and provide a coherent and fair outcome. 
Attachments : Copies of emails and documents showing the unauthorized charges and forged signature. 
Correspondence with Chase Bank regarding the disputes and partial refund. 
I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I moved from XXXX XXXX XXXX in XXXX of 2018. The apartments attempted to have me illegal XXXX after I already told them I would be moving out. Once I moved out the filed an XXXX   case against me. I attended the court hearing paid the balance that was owed and the case was dismissed. The amount that was owed was {$1300.00} not the {$4300.00} being reported to XXXX. Under the fair credit reporting act it is illegal for debt collection companies to report inaccurate debt to the credit bureaus. I have requested that this information be removed from my XXXX credit report several times and they continue to violate my rights under the fair credit reporting act
Product: Debt collection

I have a collection account on my credit report from TSI/XXXX that is not my debt. I contacted the local police department, made a report on XXXX, and I am providing copies of my bank statements of the address I was living at the time. I do not have a copy of a lease agreement, insurance, etc from 2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. Please update.
Product: Debt collection

I was out of a job effective XX/XX/XXXX. I explained to Acima that I did not have an income and this was the reason for falling behind on payments. Recently I became employed XX/XX/XXXX and intended to pay my lease off once I had enough funds saved. I reached out a few weeks ago to inquire about a XXXX cash payoff so I would not longer be in debt and can catch up on more important bills. Acima told me I was past my payoff which I believe was XX/XX/XXXX. I've never had a problem paying, I just didn't have the means to do so. I asked a rep could I return the necklace that was custom but the rep did not do anything but give me a customer care number to call. I emailed them as well and was told they couldn't discuss my lease via email. I have tried a few times to reach a resolution. I have leases with XXXX XXXX and XXXXXXXX XXXX  who both have no problem helping their customers who fall on hard times. XXXX XXXX, my lease expired XX/XX/XXXX. After explaining my concern they honored my 90 day payoff on XX/XX/XXXX and only charged me an extra XXXX to do so. The lease is now closed because of their willingness to help, XXXX will be closed XX/XX/XXXX both paid in full and in good standing to do business with both companies in the future. I watched Acima forgive a lease with my wife years prior and also refuse to give her another lease because they honored a payoff. Why is it so hard to help? Things are literally out of my control. I would like to have my payoff honored so I can close this debt for good instead of being threatened to be reported to the credit agencies for not paying when I am indeed trying to fix this.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
These fraudulent accounts consist of XXXX Student Loan accounts opened on XX/XX/XXXX under the account number ( private ), an mortgage loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), an mortgage loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( private ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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. Further these accounts are now considered in litigation. 

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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report showed that my social security number has been fraudulently used by the following names : Other people that have used this Social Security Number : XXXX XXXX ; XXXX XXXX I have never lived at the following addresses that are reported on my credit report : XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX, ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX XXXX XXXX
Product: Checking or savings account

Several Attempts Of Me Trying To Use The ATM Resulted In My $ Not Dispensing Im Not Sure If Its An Error With My Card But I Never Received These Funds They Provided Me A Credit & Started Taking The $ Back But Again I Never Received These Funds I Really Needed That $ For My Monthly Expenses Transaction Dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

I dont remember dates as I dont have the app anymore. I went through Cashapp. Im pretty sure my check was {$1200.00}. I spent {$100.00} of it and I had bills to pay the next day. When I checked my card I was at- {$1100.00}. I couldnt get incontable with anyone for days. I did disputes and then I get a call back a week later. They said that they sent the funds back because I was doing fraud. I wasnt doing fraud and it was my direct deposit account since ny credit was good enough to get an actual credit card. They keep sending messages saying I have to pay them back but I didnt even get to use my money the first time. I explained to them what my job said they just dismissed me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Product: Debt collection

Around XX/XX/XXXX I moved homes from one location to another and needed to take my XXXX with me. In a call at that time I was told there would be a fee to transfer service. Upon this, after being a customer for 8 plus years, I told them I would rather just cancel the service as I owed them nothing at the time and was not on a contract. I was transferred to an account specialist whose job it was to save accounts. I told her the issues and she told me they would waive the moving fee and not be stuck in a contract. I made multiple points that I did not want to be on a contract and that I had fulfilled the terms of the original contract and no new contract was signed. Nor was a new contract agreed upon. 

Fast forward to the summer of the following year when XXXX took over XXXX and began raising everyone 's rates. I was done. I cancelled service and returned the equipment. I owed XXXX or XXXX nothing. I owe them nothing today. 
They immediately used threats of the contract to keep me as a customer but I told them to send proof of a signed contract and look at the previous call. They couldn't find proof and the call verified I was correct. This was never disputed by XXXX  or XXXX again. 

Fast forward 2 years later to today XX/XX/XXXX. I get a call from sequium asset solutions regarding the very debt. 

They threatened to destroy my credit regarding the false debt. I called XXXX and they refused to fix this. 

Proof of the contract can not be found. They committed fraud by sending the original contract from 8 years ago attempting to say it was the new contract.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On ( Date ), I sent a letter to TransUnion notifying them of the reinsertion of XXXX XXXX XXXX account number XXXX XXXX  XXXX bank Account number XXXX XXXX  XXXX XXXX Account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for XXXX  days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.