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

XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX X I recently discovered that someone has used my name for a rental apartment and left a balnce of {$3700.00}. I was living at XXXX XXXX XXXX XXXX OH XXXX. THIS IS A FRAUDULENT ACCOUNT. I have contacted the XXXX Police and filed a Police report and file a FTC ID theft report as well. I am trying hard to protect the integrity of my credit profile. This is holding me up as I was looking to buy a home this month until we discovered this fraudulent account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial wellbeing. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have reported this to XXXX several times and they wont remove the following items XXXX XXXX and XXXX XXXX XXXX. 
I have sent in police reports and Identity theft affidavit. They will not remove.
Product: Credit card

I am writing to dispute the late payment entries on my Capital One credit card account, as reported on my credit report. The details of the account in question are as follows : Creditor : Capital One Account Number : XXXX XXXX : Account Type : Revolving account Account Status : Open Monthly Payment : {$200.00} Date Opened : XX/XX/XXXX Balance : {$4900.00} High Credit : {$5000.00} XXXX XXXX : {$4500.00} Payment Status : Paid or paying as agreed Last Reported : XX/XX/XXXX XXXX : Account Type : Credit Card Account Status : Open Monthly Payment : {$200.00} Date Opened : XX/XX/XXXX Balance : {$4900.00} High Credit : {$5000.00} XXXX XXXX : {$4500.00} Payment Status : Current, was past due 90 days Last Reported : XX/XX/XXXX XXXX : Account Type : Revolving Account Status : Open Monthly Payment : {$200.00} Date Opened : XX/XX/XXXX Balance : {$4900.00} High Credit : {$5000.00} XXXX XXXX : {$4500.00} Payment Status : Pays account as agreed Last Reported : XX/XX/XXXX I acknowledge that there were late payments on my Capital One credit card account in the past. However, I want to bring to your attention that I have since caught up on all payments and have not missed any payments thereafter. 

I take my financial responsibilities seriously, and I have made significant efforts to rectify any past delinquencies. I have established a consistent payment schedule and have been diligently making payments on time to maintain a positive credit history. 

Please investigate this dispute and provide me with written documentation of the results. I appreciate your attention to this request and look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND I'M HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING COLLECTIONS ACCOUNTS AND LATE PAYMENTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, and driver 's license This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMER 'S CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT LATE PAYMENTS AND COLLECTIONS ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT.

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP.

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!

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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions DELETE THESE ACCOUNTS AND INQUIRES IMMEDIATELY FROM THE CREDIT REPORT. 

Collection : XXXX  Account Number : XXXX Account Status : Charge Off Open Date : XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX Account Name : XXXX XXXX, Their Address : XXXX XXXX XXXX FL XXXX XXXX, FL XXXX Phone number XXXX and Account # XXXX Account Name : XXXX XXXX XXXX, Their Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX Phone number XXXX have 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my Identity theft to the following credit bureaus Transunion and XXXX. I supplied them with Proper documentation and the law stating that FCRA 605B ( 15 U.S.C. & 1681 c-2 ) that items must be removed with 4 business days of receiving. These companies are refusing to remove and block the information. Which is clear Violation of the LAW.
Product: Payday loan

I signed up for a loan through Big Picture Loans on XX/XX/XXXX in the amount of {$800.00}. I was told and was under the impression that I would receive a one time finance charge of {$280.00} for a total repayment of {$1000.00}. I made my first payment on XX/XX/XXXX and went into my account today XX/XX/XXXX to check the remainder of the balance. The amount had n't changed so I looked into it further. I came to find out that the total finance charges are going to be over {$6000.00}! If I had known that this was going to be the case, I NEVER EVER would have agreed to the terms. The finance charges alone are more than my monthly car payment! I am a single mother of XXXX that does not make much money. There is no way this can be right! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a {$300.00} advancement and have done so in the past. CashApp offers a couple of repayment options. I have done the pay over time when they take out money leading up to the due date in the past, this time I chose to pay on the specific due date. I have done this two other times. I haven't had this issue before.

They took my money out as pending and it caused my car note to be denied and a return fee is something I'm working on with them to be removed. The money was in there when I went to sleep and I had no worries about my car payment. When I reached out via Chat because that is the only option, they can't help with this sort of thing. There are NO phone numbers to assist either. IF Cashapp is going to move like a bank then they must have resources to help people that are quicker than email and forwarding your issue to someone else. It's unacceptable to be told that the only contact you have direct access to can't help you with your MONEY. I only use this resource to move money between family and make payments from the app to avoid transfer fees of that same money. The total
amount being paid to my car loan was XXXX and the amount cashapp has on hold is XXXX. THIS HAS NEVER happened before and when asked I was given " We aren't able to discuss this ''.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX To whom it may concern, I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry violates several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : Restricts access to credit reports without explicit consumer authorization or a legitimate purpose. 
15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports. 
15 U.S. Code 1681a ( d ) ( XXXX ) Exclusion of Certain Transactions from Consumer Reports : Specifies the types of information that should not appear on a credit report. 
15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : Mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties. 
15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy policies regarding how consumer data is shared. 
18 U.S. Code 1028A Aggravated Identity Theft : Unauthorized use of personal identifying information may constitute identity theft, which carries serious legal consequences. 
The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes. 

Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report. 
Ensure that your procedures for verifying inquiries comply with the above federal statutes. 
Send me an updated copy of my credit report reflecting this correction. 
I have attached copies of my identification and proof of my current address for verification purposes. 

Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within XXXX  days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo identification document Proof of current address
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report to make sure that the information that was there was accurate and found out that I am the victim of identity theft. I noticed an account that was on my credit report that I didn't apply for. Somehow someone used my personal information to fraudulently apply for a credit card. I am not sure how my personal information was obtained but the criminal has charged over XXXX XXXX dollars on a credit card that I did not authorize an application for and that I do not have.
Product: Credit reporting or other personal consumer reports

In [ XX/XX/XXXX ], I discovered that I could not access my Equifax credit report through credit monitoring services or lenders. As I had been notified of potential identity theft and data breaches, the inability to access my credit report placed my financial security at significant risk. 

To resolve this, I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX ( Complaint # XXXX ) regarding Equifaxs refusal to furnish my credit report and score. Equifax responded, requesting identity and address verification documents. I complied, sending the required documents, including my government-issued ID and a recent bank statement with my address. 

However, I still did not gain access to my credit report. On XX/XX/XXXX, I followed Equifaxs instructions again, mailing another letter with a copy of my ID and a bank statement to verify my address, along with a reference to my initial CFPB complaint. Despite providing all necessary documentation, Equifax failed to unlock my credit report. 

When the issue remained unresolved, I filed a second complaint with the CFPB on XX/XX/XXXX ( Complaint # XXXX ). Equifax acknowledged the complaint but again failed to resolve the issue, stating only that they needed more time. 

To date, I am still unable to view my Equifax credit report or score despite fulfilling all of XXXX verification requests. Equifax has not provided any clear explanation for this continued denial of access, leaving my credit and personal information vulnerable due to recent data breaches. I have documentation of all correspondence and complaints submitted to both Equifax and the CFPB. 

I am seeking immediate action to resolve this matter and ensure I can access my Equifax credit report and score, as required for monitoring and protecting my credit.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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
Product: Payday loan, title loan, personal loan, or advance loan

Received loan from Sofi. Interest rates on pre approval was 7 %. I received a interest rate over 15 % .My monthly payments includes 45 % of it being interest being charged. I make payments for princable and there still daily interest fees. I'm also unable to pay monthly payment before the due date. Can't schedule monthly payments ahead of time.This make it uneasy to keep obligated monthly payments for BORROWERS '.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to receive vague reinvestigation statements from XXXX. Investigator noted that everything was 100 % accurate and complete. I would like to receive the description in accordance with 15 USC 1681i ( 7 ). This account is not accurate : XXXX XXXX XXXX XXXX XXXX The investigator did not delete or remove the inaccurate information from my consumer report in accordance with 15 USC 1681i ( 5 ) ( A ) ( i ). In XX/XX/XXXX, the XXXX Dispute Department Supervisor " XXXX '' informed me that it was not within the Bureau policy to send me a copy of my credit file or method of verification, according to 15 USC 1681 Section 611A and Section 623B of the FRCA states otherwise, however he did manage to send me yet another copy of my credit report instead. I also contacted XXXX in XX/XX/XXXX with a dispute, in XXXX XXXX sent a letter CASE No XXXX file dispute date : XX/XX/XXXX stating " in accordance with the FRCA 15 USC 1681 et seq, the disputed file has been removed ''. On XX/XX/XXXX, I disputed the inaccurate credit file from XXXX XXXX XXXX with Equifax ; the Representative from the Dispute Department initiated two case numbers. CASE No XXXX through Equifax Credit Bureau and CASE No. XXXX FTC complaint.
Product: Money transfer, virtual currency, or money service

I recently created a Venmo account and had my friends send me some money for a utility bill. Venmo then froze my account. I then contacted th and they told me the account was now permanently described and they will be holding my money for 180 days. I just want to get my money out of the account into my bank account.
Product: Debt collection

Equifax has No collections XXXX XXXX  The account opened on XX/XX/year>, but the first delinquency was on XX/XX/year> before the account even existed. Thats not possible, which makes this an inaccurate report. 

Original creditor from XXXX XXXX XXXX  to a debt buyer. 
The debt buyer legally owns the debt. 
The debt is correctly reported and validated with proof. 

personal info wrong i don't live a 90 % if places listed or never have Requested verification from collectors Over the time of investigation - With all credit burrors
Product: Credit reporting

I sent the form to request my free annual credit report from each of the XXXX bureaus. I used my XXXX number in the place of a social security number. I received a letter from Equifax stating that they needed me to send in an identification form with a Social Security number. I called Equifax and spoke to an agent named XXXX, who told me that I could n't submit a request using my XXXX number. I asked to speak to her supervisor. Her supervisor did not know how to handle the request. They gave me a fax number to send in documents to prove my identity. It is important that I access my credit report because for the past couple years, I have been receiving debt collection letters to my address that are not mine. I believe that I may be the victim of identity theft, which is causing me a lot of stress. I would like to resolve this issue as soon as possible. It should not be so difficult to access my credit report using my XXXX number.
Product: Credit reporting or other personal consumer reports

This account was opened on the following data XX/XX/XXXX in Transunion, XX/XX/XXXX in XXXX..And XXXX XX/XX/XXXX, this is wrond ... and the Date last active XXXX in Transunion and XX/XX/XXXX in XXXXAnd XXXX XXXXthis is wrond this inaccurate obtain credit transunion failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX  XXXX XXXX. Having this wrong information in my report is illegal. I told you to investigate this account well, not doing so is affecting my ability to obtain credit, please delete them as soon as possible, this is the third time I have told you to investigate well and this information is wrong, thank you
Product: Debt collection

I recently purchased a home and I noticed on the credit check a Collections account with Amsher Collection Services. This account was evidently a delinquent account from XXXX XXXX that was opened in 2020. I have never had an account with XXXX XXXX. I have had accounts with XXXX XXXX XXXX, XXXX XXXX and XXXX and I have always paid my bills on time for over a decade.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a email that my XXXX password was changed I immediately called XXXX and the rep couldnt ver me I finally got through and was told my balance was XXXX and the funds were sent to cash app in my name I hardly use cash app the rep told me XXXX dollars was xfer from my savings to my checking and the perpetrator started to send money in increments to my cash app ranging from XXXX XXXX XXXX XXXX and XXXX hundred dollars the total they xfer was XXXX dollars I immediately log into cash app and was able to see the transaction but it was too late the perpetrator spent XXXX dollars from my cash card at XXXX XXXX dollars at a food mart and tried to use it for XXXX dollars at XXXX XXXX  but it was declined because we already meaning myself and XXXX XXXX rep already blocked the cash card through the app I have reached out to cash app several times there is no phone number which I find to be crazy where u can try and call you have to submit a request through app and wait on a email I have emailed sent message through the app like 5 or 6 times to only receive a email asking for the same info I already supplied I have attached screen shot proof of every transaction I have attached proof the transaction were done in Florida per their app I live in XXXX Arizona I have sent proof that I have filed a police report all they did was block my cash app card literally three days later on XX/XX/XXXX like I cant believe this you dont block it when literally 15 transaction came through on XX/XX/XXXX but you freeze the account when the consumer reports fraudulent activity but then cant even explain or communicate with the consumer on whats needed to be done to get their funds back please help me please that was my little savings I know its not a lot my I worked hard to save that money.