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 had violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX 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  15 U.S.C 1681 Section 602 states I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer can not furnish a account without my instructions 15U.S.C 1681c.a5 Section states no consumer reporting agency may make any consumer report containing any of the following information other than records of convictions of crimes which antedates the report 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.
Product: Credit reporting or other personal consumer reports

I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all evidence attached below.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inade

quate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am XXXX and received a garnishment from Bank of America on XX/XX/XXXX for an alleged debt owed XXXX. I have never taken any out for a car from Bank of America neither I apply for a loan with Bank of America. I have never defaulted on a loan from Bank of America and the information that is on the garnishment is not correct and its not me.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am surprised that I was late on this account when I checked XXXX XXXX. I also noticed that I was marked over the limit. I made sure that all of my accounts are in automatic debit from my harbor one credit card. That card is working fine but when the pandemic hit, my account was mistakenly unlinked by harbor one bank. I tried contacting them but the bank lobby was closed due to covid19, plus I never got any statements,  or phone calls or any communication that I was late. I was advised by the bank to write a letter explaining to Elan Financial and they remove the late remark. I spoke to them via phone and they said that they will submit a ticket to remove the late payment on my report but it is still reporting. I even paid off the entire amount. See, I am doing my best to come up with a clean slate. Please help me out.
Product: Checking or savings account

I am a state farm agent, US Bank provided a program to give an {$800.00} bonus if agency opened accounts in their institution. They didn't provide the {$800.00}. They only provided {$350.00}. Then I was told not to close the account to see what they can do. When I pushed back i was told to XXXX myself the money. I can't because the phone number is the same on XXXX as the receiving person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I permanently opted out of all reporting agencies indefinitely. To my surprise, a mortgage company by the name of XXXX, acting on behalf of XXXX XXXX  was able to successfully submit a hard inquiry through to my credit report, obtaining unauthorized personal information without my consent. Appalled, Id reached out to you all, only to discover that a company called XXXX, whom my first report was for, performed the hard-inquiry on XXXX XXXX request. After XXXX told you all that theyd contacted me with solutions regarding my complaint with you all, you all closed my complaint and they did not reach out to me by phone call like yall told me they did, but instead sent me correspondence in the US postal mailing systems. Once received and read, theyd suggested that I reach out to XXXX XXXX. I reached out to them, theyd collected my pertinent information some how, confirmed it all with me, then in a confrontational manner, told me that they were not going to remove the hard inquiry from my credit report, placed on my report on XX/XX/XXXX, but I was just made aware of the inquiry XX/XX/XXXX. When I asked about the dates and weirdness of it all, a guy by the name of XXXX XXXX, spoke to me by phone on XX/XX/XXXX, very rudely exclaiming to me that due to my knowing all of my own information and verifying it with him, that it somehow was me that theyd gotten my consent from. I have NEVER given them any, never heard of them until the XXXX paperwork in the mail, and would not ever do business with a company like them under any circumstances past or present. Id permanently opted-out of all credit reporting agencies ranging from XXXX due to how many of them there are. So Im curious, How is it that XXXX acting on behalf of XXXX XXXX  company was able to successfully submit a hard inquiry into my credit reports, WITHOUT MY CONSENT, and not only gain access to my personal information but also distribute it to XXXX XXXXe whom also DID NOT GET CONSENT FROM ME EVER, and I didnt and still dont know of them nor have never reached out to a company like them, were they able to perform this unauthorized act with so much ease? Why dont my permanent freezes placed on my credit reports work? Finally, their are two companies ( which one of them TD Auto Finance was paid in full ), is reporting late payments, on closed accounts on my credit report, but have also been able to report these things in my permanently opted-out credit reports. How and why have they too, been able to do such things?
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. Mistaken Identity XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information.
Product: Credit reporting, credit repair services, or other personal consumer reports

filled out an application for a XXXX XXXX XXXX credit card at an XXXX XXXX XXXX XXXX store for {$15.00} dollars off on my purchase, the application was approved a few days later I received a XXXX XXXX credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called XXXX XXXX, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by XXXX XXXX number 2, then XXXX XXXX turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops 75 points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!
Product: Credit reporting or other personal consumer reports

Hi My name is XXXX XXXX. I have been a victim of identity theft and my personal information has been used in order to apply for a card. It is unfair to use my good relationship with my banks to compromise my score and apply for fraudulent accounts. Please Dispute and remove following credit inquiry. 
XXXX XX/XX/year>XXXX XXXX
Product: Debt collection

I started paying back money I owe to a company the collection agency ( Transworld Systems , Inc. ) was working on their behalf. I still owe one more payment ( {$57.00} ) when the collection agency disguise themselves as a contact from my personal cell phone list. It appeared as a work number from one of my friends. When I opened it, I recognized the number from collection agency. It began on XXXX XXXX to the present.
Product: Money transfer, virtual currency, or money service

Someone accidentally sent me {$200.00} on Venmo on XX/XX/2019 at XXXX XXXX PST. The payment was intended for someone else and it was a complete mistake on their part. When they figured it out, they contacted me and asked to send it back because of the fact that it was a mistake, and I agreed knowing that they did not intend to send me the money. Unfortunately, my Venmo account was negative at the time, so I couldn't send it back. Knowing that the money wasn't mine and that they needed it, I reached out to Venmo customer service and asked them to cancel it and reverse the transaction. My overdrawn account should not become her problem because she made a mistake. Much to my surprise, after having me on hold for an extended period of time, they returned only to tell me that they could/would not reverse the transaction. I asked them to set me up on a repayment plan to satisfy my negative balance and to return the money to the sender, a d they agreed to set me up on a plan, but not to reverse the transaction.
Product: Bank account or service

I received a copy of ChexSystems and noticed I have XXXX accounts that are not my accounts and I am being help accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, saw that SYNCB/SAMS CLUB pulled my credit file without authorization. XXXX the company pulled my report from all 3 bureaus without my approval. Asking for company to remove this hard inquiry from credit report once again.
Product: Payday loan, title loan, or personal loan

The building I financed through Greensky was never completed by the contractor. I filed a complaint on XX/XX/XXXX, case number XXXX through Greensky to get the building finished before we would begin payments. This drug on through XX/XX/XXXX, with me providing to Greensky, and estimate of the cost to finish the building since the contractor wouldn't do it. I also filed a complaint against the company XXXX XXXX, XXXX XXXX XXXX, XXXX, Ar XXXX, phone XXXX through the XXXX Attourney Generals office, complaint # XXXX trying to either get the company to finish the job, or deduct the price of the unfinished building costs from the loan costs. XXXX  XXXX stated to the Attourney Generals Office on XX/XX/XXXX that they would come and finish the job. I have had no further contact since then. I do not feel Greensky should be charging me now, when they held off throughout the complaint process on charging principal or interest until this was resolved. Then without notice of the problem being resolved, they sent me a monthly payment due notice dated XX/XX/XXXX. I feel this problem of an unfulfilled contract and unfinished building needs to be resolved before payments begin. When I called the Greensky to let them know I would not be making payments until the building was complete, their response was " we will ruin your credit :.
Product: Credit reporting or other personal consumer reports

All Acccounts Have Violated My Rights Acct Name Equifax Account Name Department of Education, Acct # XXXX XXXXXXXX, Account SSN XXXX Account Name Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account Name Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account Name Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX  XXXX Account Name Department of Education Acct XXXX XXXX Account XXXX Department of Education Acct XXXX  XXXX Account XXXX Department of Education Acct XXXX XXXX Account Name Department of Education Acct xxxxxx XXXX Account XXXX Department of Education Acct XXXX  XXXX Account Name Department of Education Acct XXXX  XXXX Account Name Department of Education Acct XXXX  XXXX XXXX Account Name Department of Education Acct # XXXX Account SSN XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX XXXX Account XXXX Department of Education Acct # XXXX Account SSN XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX Account Name Department of Education Acct # XXXX 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.
Product: Credit card or prepaid card

for the last 6 months i have been trying to resolve this with ciitibank credit card they say i owe statement still shows i owe large amonth when they was to be taken off my account back many many month ago. i paid this credit card off completely and it shows on my credit report i still owe them {$1100.00} and cards been paid off because those amounts was fraud charges that many times i gave them wheni call but still send me statements i owe this amount and the manager told me pay the amount we are agreeing on of {$630.00} which i did and she said any interest or late fees will be taken off your account if they get charged to it, i need this resolved asap. shows on my credit report i owe this amount of {$1100.00} when the card is paid off in full cause those was fraud charges that they said woudl be takin off.
Product: Credit reporting or other personal consumer reports

I am working to fix wrong reports on my credit file. I should get {$1000.00} per mistake according to the Fair Credit Report Act. FCRA 605B says we must report wrong accounts.
Product: Checking or savings account

I told td bank about my identity issues when I signed up for them I got a XXXX XXXX package with the tracking number on it for my XXXX XXXX job. The check was deposited XXXX on my cell phone. All the sudden Im getting these weird letters from TD Bank. The paper doesnt look right at the end doesnt even look right and its not matching to what the other letters are saying so I guess the check was deposited onto the XXXX did it saying that there was a hold on it? I was going to get my money then it was some other stuff then I try to get on online banking and it says please go in so they can get me back on online banking. I go into the bank. The lady takes my card physically takes my car takes my whole debit card and tells me that oh theyre not gon na do service with me anymore whatever meanwhile, they dont help me with my fraud dispute that I have at the XXXX store. I told him that is not meet at a scary its even on my XXXX maps. They will not help me the banker before the first banker said that she oh she got a friend name, XXXX XXXX, and all that like I dont Im, not playing these games. These banks are out-of-control. Something needs to be done. The check was for my job and if its so fraudulent, why did somebody change my password on my online banking and why does she take my car thats not professional I dont think theyre supposed to take your card. Why is she taking my car for whats going on with that?
Product: Debt collection

I have disputed the account on numerous occasions and it always come back verified so I asked the company to send me verification including a copy of my signature and I haven't received anything. By law this account is to be deleted if there's no verification. 

Capital Accts # XXXX XXXX  XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XX/XX/2016 *date first reported* XXXX *reported amount*
Product: Debt collection

I am writing to formally dispute and request the immediate removal of inaccurate information from my credit report. The information in question pertains to late payments that are inaccurately reported on my credit history. The inaccurate late payment information on my credit report is adversely affecting my credit score and overall creditworthiness. I believe that this information is in error and does not accurately reflect my credit history. I am seeking your prompt attention to rectify this matter. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I kindly request that your bureau conducts a thorough investigation into the accuracy of the reported late payments and takes immediate action to rectify the inaccuracies. Please update my credit report accordingly to reflect the correct and accurate payment history.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report promptly. I did not authorize or create these accounts, and I have no knowledge of their origins. Pursuant to USC 1681g, I am requesting their removal within 15 days. Enclosed are the necessary documents for your review and reference.
Product: Money transfer, virtual currency, or money service

I have stocks in an account held by robinhood investment. I had issues with my online account and reached out to the company support team, through their online app via live chat, which is their preferred method of communication, and left a message. I later received a callback by an employee of robinhood regarding my issue and to assist with resolving same .As a result of the process or method used to provide the help, i ended up being scammed, resulting in money being removed from multiple accounts. Since then i have been unable to reach anyone or receive a response to emails i sent robinhood. I received calls from multiple people but none were able to verify that they were legitimate employees who could assist me with resolving the issue regarding the fraudulent transactions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : I made my payment on time, but due to a processing delay, it was not credited to my account until after the due date. I have included bank statements that confirm the payment was made before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I received a debit card from Citibank for a checking account that I did not open. I went to a Citibank branch to inquire about the card. I was told that the account was opened online and that there is a phone number associated with it that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017, {$730.00} disputed account multiple times with credit bureau and the company.This account was opened fraudulently. Notified authorities XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX