23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Before I use to Zelle more and got scammed and never was a warning sign to anyone arm me if this scam or not
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 ( 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. 

These are the accounts that I have marked as inaccurate : - 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

XX/XX/2024 I am Re-Submitting Complaint about XXXX XXXX University, Trans Union, and XXXX XXXX : ACCOUNT PAID IN FULL ; OUTDATED! 

RE-AGING ACCOUNTS AGAINST FCRA! 

PERPETUATED BY XXXX XXXX, and TRANS UNION as they FOSTER ILLICIT ( INCORRECT DATA ) ATTEMPTING TO DRAW CREDIT REPAIR INCOME!
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned that TransUnion Credit Bureau experienced a database glitch on  2 diffe rent occasions, summer of  XXXX  and early  XXXX . On both occasions Transunion deleted ALL inquires from  EVERYONES  credit bureau. Once TransUnion realized there was a glitch, they re-added the inquires back to the credit reports. I was never notified that TransUnion would be adding the inquires back on my report. It is illegal for them for any other credit bureau to remove reportin g s from you r bureau and then re-add them with out notifying the consumer 5 days prior to re-adding them. I called TransUnion on  XXXX / XXXX / XXXX  a t    XXXX   XXXX   and spoke to  XXXX   XXXX . I stated what my issue was and that I was demanding that the inquires be removed. Af ter 5 min utes of discussing the matter with  XXXX   XXXX , I asked for her supervisor.  XXXX  than transferred the call to  XXXX  who stated she was a supervisor. I explained to her what my issue was.  XXXX  when on to tell me that my social security number was not affected. I advised her that EVERYBODY was affected by this glitch. She recommended that I write a letter to the creditor and asking them to remove the credit inquires and send in with a letter of authorization. Shortly after that call I decided t call back because I was not happy with the answer. I called back  at    XXXX   XXXX    and s poke to a gentleman name  XXXX   XXXX . I explained to him the issue and he went on to tell me yes there was a database glitch but after looking in his system I was not affected. I asked him how can he prove it to me that I was n't affected. He stated that he would send me a credit report. I advised him that I had a credit report. The issue is that TransUnion did not following protocol by notifying me that the inquires were being re-added and if I was no t one of the mill ions of consumers that was affected then prove it to me. He went on to say he ca n't he can only tell me what 's in the system and that the glitch has been corrected. I advised him that I know the database glitch was corrected and things are running as they should be now. We disconnected the call.     I would like to have these inquires removed from my credit bureau. As it was against the law to re-add anything to my bureau without notifying me in writing 5 days prior to.
Product: Credit reporting

I am filing this complaint because my requests have been ignored by Experian. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy within 30 days
Product: Debt collection

The original account was fraudulently opened at fingerhut then they sold it to a collection company I contacted that collection company telling them it was not my debt and they said they would remove it off of my credit then a week later they sold the fraudulent debt to another collection company who is threatening to put it on my credit and Garnish my XXXX XXXX. When is this gon na stop I've already filed for identity theft and have proven it is not my debt
Product: Debt collection

XXXX XXXX : Account # XXXX # XXXX REF : XXXX XXXXXXXX XXXXl This company identifying themselves as XXXX XXXX, is harassing me by sending numerous letter and phone calls demanding payment for animal removal service and follow up, completed on XX/XX/2015 and second treatment on XX/XX/2015. The company was paid " in full '' for these services via my XXXX debit ending in XXXX. Yet they continually send out harassing demand letters using two different account numbers with two different amounts cited as due immediately. 

XXXX XXXXXXXX XXXX previously harassed me personally, and after investigating they confirmed that they had indeed received full payment via my XXXX debit card. Now they have evidently sold the fraudulent debt to XXXX  XXXX, who have resumed the constant harassment.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX  XXXX # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C.1681 SECTION 602 A.STATES I HAVE THE RIGH OF PRIVACY. 

15 U.S.C 11681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

Experian failed to properly investigate my dispute regarding the XXXX account # XXXX, as noted in report # XXXX. Despite multiple discrepancies ( e.g., inconsistent account numbers, dates, credit limits, and payment history ) and my formal requests for verification, Experian did not provide detailed procedures, supporting documentation, or correct the errors. This has negatively impacted my financial standing and violates FCRA Sections 609 and 611. ''
Product: Credit reporting or other personal consumer reports

By means of the FCRA, you are mandated to report the maximum possible authoritative, accurate, verified, valid, and certified facts in compliance with XXXX XXXX reporting standards. 

Conforming to the FDCPA, the debt collectors that furnish you with details for reporting purposes must have physically verified, listed, and valid debt claim ( s ), including the portion of the debt disclosed. The mere fact of a debt does NOT assert report-ability of any declaration ( s ), whether correct or not. Report-ability of a credit event must be executed in an ethical and lawful process, and in adherence to accepted reporting standards, including the XXXX XXXX compliant format. 

VALID data that is NOT compliant in its reporting process, or inconsistent and not legitimate in its reporting format, INVALIDATES the compliant nature of the reporting itemeven if the debt stated is appropriate and verifiable. 

As is my consumer right to do so, I hereby request that all of my potentially non-positive information be reviewed for : Truth of the claim Adequate completeness of recorded claims Timeliness of the claim Correctness of the claim Physical verifiability of the claim Demonstrated, undoubtable validity of the claim, including all aspects of the claim that are not yet documented The inclusion of the claim reporting status, related to certifiability of compliant processes and adherence to the XXXX XXXX format, is critical. Please review the following claims and determine if they satisfy all the standards and requirements of reporting validity, including certified compliant reporting processes and XXXX XXXX data field formatting. 

Please return to or maintain compliance with valid reporting by immediately removing or modifying the reporting of any claims, challenged or not, to a valid and compliant status.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXXebt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

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 recently received a copy of my Experian, XXXX and XXXX consumer report, and it has come to my attention that you are reporting my transactions with these companies to the consumer report. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX thru XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX Late Payment : XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XX/XX/XXXX and XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX Department of ED/XXXX  ACCOUNT # XXXX Late Payment : XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX The credit reporting agencies are in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my consumer report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Department of ED/XXXX  are in violation of 15 USC 1681. 

I have also sent certified letters with no reply. This is my final attempt.
Product: Credit reporting or other personal consumer reports

This was a pay in XXXX, 0 % interest installment plan. The original creditor is not XXXX, it is XXXX XXXX  based on the loan documents I am seeing. Original loan amount was not {$430.00} as they are reporting, it was {$370.00}. I used a coupon, not sure why they added it to the balance since the merchant never charged {$430.00}. Date opened was not XX/XX/year>, it was before. The coupon and used loan amount was notated as a credit to my account instead of updating the loan terms. That adjustment was made before the first payment was due and it technically shows as a payment. This was very confusing to me when it came time to make payments. On their website it clearly states that pay in XXXX payment plans do not hurt your credit score so they confuse you by offering pay in XXXX pay in XXXX loans and quietly labeling them as installment plans to be able to report incorrect information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to viola
tions of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card

Barclays credit card ending XXXX I took the offer of the 0 % interest which Barclays Credit card offered me last year XXXX and the balance transfer promotion with 0 % interest ended on XX/XX/XXXX. 
Few months later I took another balance transfer of 2.99 % which ends on XX/XX/XXXX. 

2 months before the 0 % promotion ends on XX/XX/XXXX, I paid the total balance using my personal check # XXXX for the amount of {$2900.00} and I wrote in the check that this check # XXXX pays the promotional balance which ends on XX/XX/XXXX and I included in addition another letter to support my specific payment and request. 
This check # XXXX ( proof of payment ) was sent via regular mail and was not deducted as an automatic debit a using my checking account. 

For additional information I sent to Barclays via email the proof of my payment/ ( physical check ) + my last XXXX recent statements from XXXX, XXXX, XXXX. 

The reality is that Barclays credit card intentionally ignored the reference of the check for the amount of {$2900.00} and made a credit to the other promotional 2.99 % balance transfer which will be ends on XX/XX/XXXX. 
Barclays ccard charged me this month of XXXX XXXX the interests generated of {$70.00} which is showing that I did not paid the 0 % balance transfer which ended on XX/XX/XXXX and the amount of {$2900.00} was paid the other balance transfer which ends in XX/XX/XXXX. This charge for the amount of {$70.00} per month is the interest generated for to have a balance of {$2900.00} with a 29.99 % yearly interest because the balance transfer ended on XX/XX/XXXX affecting me economically.I plead for justice, because this action is unethical affecting consumers budgets and only benefit Barclays ccard. 
Please assist ASAP with this complaint.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXXXXXX XXXX DOB : XX/XX/XXXX According to the Fair 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 



XXXX Account # XXXX Unverified Account ( Provide Physical Verification ) * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. 



Thank You, XXXX XXXX
Product: Checking or savings account

I deposited my 3 checks total amount is {$72000.00} on XX/XX/XXXX ( at XXXX ) to my JP Morgan chase bank saving account but the fund havent credit to my account at all up to today ( XX/XX/XXXX ) .I contact chase bank they told me the checks got revised 10 minutes after the deposit but I never request any checks revise! I have my deposit receipt to approve who handled the deposit for me. I reported the issue to the chase bank manager two weeks after my deposited and request them to check the surveillance system to find my checks but I havent have any results from the Chase bank yet up to today ( XX/XX/XXXX ).
Product: Payday loan, title loan, or personal loan

I had got a loan with discover loans 2 years ago for {$35000.00} Ive paid it down to {$26000.00}. I missed one month got it refinanced for 5 % a month the first payment was {$430.00} for 6 years. None of the first payment went to the principal. All of it to the interest there is no origination fee and discover can not tell me where the money went.
Product: Credit reporting

Credit reporting agency selected someone with my same name that was involved in XXXX court cases. I lived at the same apartment complex but in a different apartment XXXX. Confirms with attorney 's office and court clerk this was a different person. I need this off of my report! Thank you!!
Product: Mortgage

We have been wanting to do a short sale since  XXXX    XXXX  . Our biggest complaint is why our short sale was denied when our home was appraised for {$120000.00} and the top buyer for our home is offering {$120000.00}! It does n't make sense! We 've done everything our bank demanded us to complete.We gave them our financials m ore than4  different times. They required us to fill   RMA forms   for them  3 d ifferent times. We have had to write multipleletters to the bank to let them know that we do not want the house and ca n't afford to keep the house. We have sent in hardship letters to them on more than  2 o ccasions.I do not understand why  HUD   is denying the short sale process! It seems very fraudulent that they and Bank of America wo n't accept an offer that 's above the appraised value!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute the reporting of certain accounts on my credit report, which I believe to be in violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), specifically provisions relating to privacy and the accurate furnishing of information. 

The accounts in question are as follows : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX These entities have, in my view, breached my right to privacy as protected under 15 U.S.C. 1681, Section 602 ( A ), which affirms the consumer 's right to privacy. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including outdated negative information, which predates the report by more than seven years. 

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no information should be furnished to consumer reporting agencies if there is reasonable cause to believe that the information is inaccurate. My situation reflects a failure to adhere to these standards, as these agencies have been furnished with information without my explicit written instruction as required by 15 U.S.C. 1681, Section 604 ( A ) ( 2 ). 

Given these circumstances, I request a thorough investigation into these matters and the immediate deletion of these entries from my credit report as they violate the FCRA. Please inform me of the steps being taken to rectify this situation and ensure compliance with federal law.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash app ( block ink ) due to adequate customer service an unfair practice which violates the customer financial protection Act ( CFPA ) specifically cash app failed to timely and effective measurements to Prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore this 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 this act has caused significant inconvenience and financial loss and seek appreciate redress for this violation
Product: Checking or savings account

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the amount of {$120.00} was withdrawn from my Chase checking account using my debit card information. The total of the three transactions is {$370.00}. The transactions were paid via XXXX to three different people for Professional Services. I contacted the bank on XX/XX/XXXX to report the transactions as being fraudulent. The bank let me know on XX/XX/XXXX that the charges did not require any correction and they would let them go through the bank. I contacted XXXX and discovered an account in my name, but with an email address I am not associated with, was used to complete the transactions. The account was put on hold. I have been in contact with both XXXX and with Chase on multiple occasions to try and resolve this. They have each said it was the other 's responsibility to refund the money to me. They acknowledge the XXXX account was illegitimate. Today XX/XX/XXXX, I had a conference call with both of them. There is nothing they can do. They suggested I contact the recipients of the money to see if I could get a resolution.
Product: Debt collection

I received a letter from a debt collector at my work. The debt is over 10 years old and they sent it to my place of employment. I have sent them notification to cease all contact with me.