23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Was diagnosed with XXXX and was ill. Called to make payment after recovery, autoamated system did not record payment. 
Original payment submited XX/XX/2020 recorded XX/XX/2020
Product: Debt collection

The CBE Group reported this unlawful debt to the credit bureaus, without my knowledge, consent or authorization. I have never had cellphone services with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

An auto loan was open with wells fargo in my name for the amount of {$32000.00} a year and 2 months ago. I was unable to get any additional info from well fargo and am unable to take the necessary steps to remove it from my records as a consequence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX ( XXXX XXXX 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.
Product: Debt collection

On XX/XX/20 I requested verification of debt owed. I was sent one page which was unreadable and no information regarding how to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit card

Paypal Dispute Skip to case details Item not received I canceled the order Case status : Awaiting seller 's response You filed the case XX/XX/2024 Seller 's turn to respond They have till XX/XX/2024 We'll review the seller 's info This usually takes 5 days Estimated case resolution XX/XX/2024 Update on your case The seller has been asked to share an update on your order. If there's no response from them by XX/XX/2024, you'll be sent a full refund. 
What to expect Once we receive the information from the seller, we'll review and update you by XX/XX/2024, XXXX XXXX. We'll let you know if we need more information. In the meantime, you can submit any additional info you may have. 
Have Something to Share? 
Case timeline XX/XX/2024 You filed a case XX/XX/2024 You shared some info Your responses XX/XX/2024, XXXX XXXX You provided additional info. 

This was a XXXX website and I was attempting to purchase a workbench. This vendor is committing fraud. They are impersonating a XXXX website. Please remove them from your authorized sellers or I will sue your company for enabling fraud. 

Case details Case ID : XXXX XXXX XXXX : {$58.00} USD Seller info : XXXX Shipping address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Date XXXX XXXX XX/XX/2024 Transaction reported XX/XX/XXXX, Payment Transaction ID : XXXX - {$58.00} USD Additional Info Note Item not correct Item details Item name 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 XXXXXXXX Quantity : XXXX Issue Item not received Cancel case Change case type
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps sending me unsolicited email and I can not opt out. They claim " This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. '' They explicitly say that even if I update my communication preferences, " youll continue to receive notifications like this one on the status of your account. '' Experian is clearly trying to get around CAN-SPAM by sending me marketing email, e.g. suggesting I should try Experian Boost, under the guise of transactional email for account status. But these emails are for things such as " it's time to check in on your credit '' or " your dark web scan is available '', not relevant account activity. 

I would like someone to explain to Experian that it's not cool to try to boost engagement by sending me emails every few days that I do not want and can not opt out of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked on Equifax website to discover I was probably affected by Security Breach in 2017. Trying to reassure myself Equifax might be worthy of protecting me with its free offer I read as much as I could about the offer. I called the number offered for learning about insurance offered as part of XXXX XXXX credit monitoring product. Unable to get any information about the insurance product offered : what it actually does cover.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is missing that should be on the report ( address, missing credit card or loan ) XXXX XXXX XXXX  XXXX XXXX Balance {$1400.00} Status Open/Never late. 
Status Updated XX/XX/2019
Product: Payday loan, title loan, or personal loan

I have a loan with rise credit which was approved on XX/XX/23. I had a XXXX XXXX on XX/XX/2023. The doctor says that I can't be worried about anything or I wouldn't be able to live much longer/
Product: Debt collection

The organization called twice in one day. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from placing repeated or continuous telephone calls.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly the recent CFPB lawsuit highlighting significant issues with Zelle. Despite using Zelle numerous times and reporting my problems, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions wasnt possible
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 Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX 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 : Payment made within the 15-day grace period : My payment was made on time, which falls within the 15-day grace period provided by XXXX As such, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error on the creditors side. This error led to an inaccurate 30-day late report to the credit bureaus. 
Evidence Provided : I have attached bank statements and payment confirmations showing that the payment was made on time, clearly indicating that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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: Credit card or prepaid card

On or after XX/XX/2018, I contacted Citibank with a complaint regarding non-accessibility to online banking. The representative gave me a number for technical support and informed me to contact them directly. I asked her if she could enroll me in automatic payment deductions from my checking account in the amount of {$170.00} per month and the balance fall under that amount, to take whatever the balance was at that time. She took my bank account information and stated that it was set up to come out on the XXXX of every month. 

On or after XX/XX/2018, I was contacted by a collector from Citibank that was seeking a payment on my account because it was late. I informed her that I was signed up for automatic billing and that I shouldnt be late. She stated that my account was never set up and that no payment had been received. She agreed to waive the late charges and she took a payment. I asked her, if she could re-enroll me for future payments and she took the same information as the previous representative and stated that it was setup properly. 

On or after XX/XX/2018, I tried to go online and setup my online banking to no avail. I called Citibank and I was told that it wasnt restricted and that a payment was due. The rep went on to state that my account was not enrolled in automatic billing. He went on to state that he did not see it in the system that I was ever enrolled. So every month my account is being labeled as late which automatically has disqualified me for line increases. Its absolutely egregious and without merit. I am currently requesting that all late charges be abated and for the internal reporting of my account be reset to a Never Late status, so that I can qualify for a line increase. Additionally, my account is being reported as over the limit and this has caused my credit score to drop 79 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX Equifax had a data breach and my personal private information was compromised. 
On XXXX I asked an Equifax representative how I could lock my credit report. I was told that I had to buy an Equifax product and then pay to add on the credit lock feature. I purchased the Credit Watch Gold and the Equifax Credit Report Control products per the rep. 
I later signed up to receive the 1 year free credit monitoring that Equifax offered before XX/XX/XXXX. 
I never received the free monitoring I signed up for. I thought my account was being credited and that the 1yr free credit monitoring applied to my account. 
I recently discovered billing records that show Equifax continued to charge me for monitoring during the breach. From XXXX until XXXX Equifax charged me {$170.00} for services during the data breach. 
My information was compromised, I did not receive the service they publicly said they would provide to consumers and Equifax told me I had to pay for credit monitoring and the lock feature even though they knew my information had been compromised in their system.
Product: Mortgage

We realized that Wells Fargo created an infant account on our home equity line and automatically was charging us the higher interest rate on our home equity line of credit. We did not sign anything agreeing to the higher interest rate and the infant account with the higher rate was not even visible when we logged into our account summary page. The lower interest rate showed on the home page of our account and the higher rate that we had been charged was only visible by going through a series of steps from the account summary page. This was very misleading because when viewing our account statement it read the amount of the parent account 4.25 % when we had been charged a rate that was 7.75 %. At 3..5 points higher than the rate in the parent account, we calculated that this amounted to over {$14000.00} in excessive interest charged. Wells Fargo took several months to review our complaint and determined " no error occured ''. They did not complete and mail the review until XXXX XXXX, 2015 although they had sent us a letter stating that they would complete their research and provide us with results on XXXX XXXX. We have all documentation. We also have XXXX emails to Wells Fargo Home Equity Consultants asking for options for lower interest rates during the duration when we were getting charged the excessive rate. We were told all 3 times that no better rate was available to us.
Product: Credit card or prepaid card

On XX/XX/2022 my CashApp account was rapidly charged with the following between XXXX - XXXX XXXXXXXX XXXX : XXXX. {$11.00} from XXXX XXXX. {$20.00} from XXXX XXXX XXXX XXXX. {$100.00} from XXXX XXXX XXXX. 
XXXX. {$10.00} from XXXX XXXX XXXX XXXX. {$7.00} from XXXX XXXX. {$2.00} from XXXX XXXX {$250.00} from XXXX XXXX XXXX {$250.00} from XXXX live XXXX. {$100.00} from XXXXXXXX XXXX XXXX. {$10.00} from XXXX XXXX XXXX. 
XXXX. {$4.00} from XXXX XXXX. {$37.00} from XXXX XXXX XXXX. {$2.00} from XXXX I noticed the activity on my phone application as the charges happened and immediately notified the card company, first by an in-app chat feature then by 800 number hotline. I was informed i could not disputing these charges until they were fully processed and the funds fully and truly removed from my account. In the meantime it was suggested and enacted to deactivate and re issue a new card with a new number. As soon as each charge was clear i filed the disputes. I was told the process can take weeks so checked back one or twice a week yo get progress reports. this was after all every cent to my name that was missing. After several rounds of denials and legion of chat, emails and phone calls i was given next to no information as to why this happened and why no responsibility was taken for allowing it to happen. After over a month of these redtape acrobatics the document they sent as an explanation was mearly an itemised list of my disputed transactions and a two line notation by each one explaining that the card was not present at the time for any of theses criminal deeds and they were perpetrated in a timezone hundreds of mile and several stated over. Im at my wits end
Product: Credit reporting, credit repair services, or other personal consumer reports

About 6 months ago i received a copy of my credit report and i noticed several accounts that are listed on my report that i never applied for never used and never received any benefit from i disputed these accounts and they refused to remove them all these accounts are results fo identife fraud XXXX XXXXXXXX, XX/XX/XXXX, {$800.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  {$610.00}, ( XXXX ) XXXX, XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$18000.00}, ( XXXX ) XXXX, XXXX XXXX, XX/XX/XXXX, {$15000.00}, ( XXXX ) XXXX, XXXX XXXXXXXX XXXX  XXXX, XX/XX/XXXX, {$2400.00} XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$2400.00}, ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1200.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$340.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$140.00}, ( XXXX ) XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The agency has never received consent from me to have my information. According to the Fair Credit Reporting Act, a permissible use is written consent and directions from me as the owner of the consumer report. I am instructing your consumer reporting agencies to remove address XXXX XXXX XXXX, XXXX, PA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 719XXXX has me at a score around 590. 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 XXXX 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 three 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 XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did, they stated everything was accurate. 
I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 

1. Account name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the fair credit reporting act XXXX 1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602A. states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/ I was a victim of a fraud scam. The attached FTC fraud report provides the details. I transmitted XXXX transactions via Venmo ( {$1200.00} and {$1100.00} ) to a fake bail bond front. Once I learned the thing was a scam I called Venmo and disputed both transactions. I have been back and forth with Venmo regarding these disputes. They have been denied on several occasions on the basis they never received information that they needed to process the dispute on their end. There has been some hope in this- on XXXX  Venmo did refund me the amount of the larger dispute ( {$1200.00} ). However, the {$1100.00} amount has still not been returned after repeated attempts of contacting them and providing them the same information over again. The {$1100.00} dispute in question is XXXX. 

I will attached related documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account listed on my credit report, called XXXX XXXX XXXX XXXX XXXX XXXX, which date was opened on XX/XX/2021. I have disputed this fraudulent account with TransUnion and they have not removed this account from my credit report and TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this fraudulent item immediately and if it is not removed, then I will be filing a lawsuit against TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX for not removing this fraudulent item from my credit report. I have attached a police report and affidavit for further review.
Product: Credit reporting or other personal consumer reports

We purchased a new vehicle last month. The dealership was told that we would be paying for the vehicle and NOT FINANCING it. They indicated they would not do a hard credit inquiry. 
We found that a hard inquiry was done on myself and my son on XXXX. 
XXXX XXXX was notified and a complaint was logged with them. They told me I needed to contact you also. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX TD Auto Finance 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

In accordance with the Fair Credit Reporting Act XXXX  Account Td Bank USA, account number 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 an account without my written instructions.