23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 HAS VIOLATED MY RIGHTS. 15 USC 1681 section 602 a states i have the right to pivacy. 15 usc 1681 section 602 a states i have the right to privacy. 15 USC 1681 SECTION 602 A STATES I HAVE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 1 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN instructions.
Product: Bank account or service

After years of being with bank of america, my wife and I switched to XXXX when a friend landed a XXXX gig there. I XXXX, all my accounts at BOA out and ended up going as far as calling my wife 's student loan company to change all of the automatic payment options out. The XXXX item I never changed was an automatic transfer set up between my wife 's account and our joint account ( used for paying bills etc ). When I went into the bank to close the account, I was told both of the parties needed to be present to close my wife 's account, and the joint. I accepted that and left. We both work ( i work nights and she works days ) and we have XXXX kids. Needless to say this job of closing the accounts fell by the wayside. I thought nothing of it, because I had moved all payments and automatic billing services off all of our BOA accounts. This happened ( I am told by BOA ) XX/XX/2015. I do not remember the date, but i distinctly remember it being XX/XX/2015. 
XX/XX/XXXX I see something from BOA that looks like a billing statement. Honestly, most mail in our house goes directly in the garbage with the exception of hand written cards. All of our important information, mortgage, car payments, credit card bills, tax statements, are all e mailed to me. I opened the mail up to see that there was a balance due of over {$2000.00}. I immediately thought I must have missed an automatic bill and I saw that my credit was being hit because of late payments. I checked and saw nothing on the credit card statement with the exception of overdraft. I checked the account and found that I had never turned off an automatic transfer from her checking to the joint account. I called up and moved everything back to the credit card and had all accounts closed ( suddenly, I was able to close the joint account AND my own account, but was unable to close my wife 's account without her available. Altogether, there are over {$400.00} worth of overdraft fees. Finally ( about a month later when my wife and I are finally together for more than 20 minutes ) I had her call up and I attempted to resolve the issue. The issue ended up being this : the automatic transfer would debit {$250.00} weekly to the account. Since there was no money in the account ( all had been XXXX out ) it went to overdraft, and overdraft hit the account with a {$12.00} fee. This happened over 30 times. 
I understand that because of my oversight money was moved. The money was moved because I had signed the overdraft agreement and would continue to do so indefinitely. I have no problem with that, and even no problem with a fee. But over {$400.00} is excessive. When I called at a later date to see if I could resolve this on a human level, not an automatic computer and legal response level, I was told that they could refund me {$24.00}. I explained that I understand some of this is my mistake, and that a fee might be leveled, but {$400.00} is over the top. I was willing to negotiate and pay a percentage or even {$120.00}. I was told that would not do. On a human level, with all the negative attention that banks have, I understand why.
Product: Credit card or prepaid card

To whom this concerns There is an Account opened in XXXX that is being reported in accurately to my credit report. 
My info is : XXXX XXXX XXXX This account was opened as a result of identity theft and its not mine and is reporting a balance of {$5900.00} It was then sent to collections in early XXXX as I had no knowledge of the account and was getting phone calls from the collection company. I told them it was fraud & sent them information regarding this a fraud repot via email, and they determined that it was identity theft and therefore they stop pursuing the debt and told me it was being sent back to TD Bank for official closure. 

Since then I assumed it was resolved but it is still been reported to my credit report I called TD Bank and they said they do not have any information regarding the account on XX/XX/XXXX. I spoke with a representative in the fraud department who opened a global security claim to further research. 

I have not heard back from the global security team within TD Bank. 

I have added a picture of the account that has been reported to my XXXX and XXXX XXXX profiles as well as the letters Ive sent to The Credit bureau which was them forwarded to TD Bank regarding this. 
I do not recall any response through mail which is a huge issue at a violation of the fair credit reporting act since they did not reply with any validation of the account. 

Again I thought this issue was resolved since the debt collection company told me in early XXXX that it was determined it was identity theft and being revoked by TD Bank from the collection agency. All of this should be able to be traced within TD banks communications with their debt collection company. I do not understand why the account is still being reported to my credit report even after this has been figured out please delete it as soon as possible from all credit bureaus As they claim theres no record of the account they have withdrawn it from the collections agencys and have failed to verify this.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several inquiries on my report not done by me all fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized fraudulent accounts on reports from these companies, Ive never authorized or had a account with this company.
Product: Credit reporting

Transunion is reporting a misspelling of my name. They are also reporting that I am unemployed. I am employed full time. 

XXXX is reporting an address that I have never lived at. They are also listing me as being unemployed. I am employed full time.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( block, inc. ) due to inadequate 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 has caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a bankruptcy entry on my credit report, as reported by your agency. This dispute is made in accordance with the Metro 2 Compliance Guidelines and the provisions of the Fair Credit Reporting Act ( 15 USC 1681 et seq. ). 
On XX/XX/2023, I obtained a copy of my credit report from your agency and discovered that a bankruptcy entry is listed on my report. The bankruptcy entry in question is as follows : 1. This account is in violation of 15 U.S. CODE 1681 a ( 4 ) Consumer Rights To Privacy This Bankrupty Should Not Be on my credit consumer report. You are hindering my ability to get thing you are destroying my life please delete this from my credit report immediately. 


I am disputing this bankruptcy entry for the following reasons : Inaccurate Information : The information regarding the bankruptcy entry on my credit report is inaccurate. I have never filed for bankruptcy or had any bankruptcy proceedings against me. This erroneous information is damaging my creditworthiness and causing me undue financial harm.

Violation of Metro 2 Compliance : The inclusion of this inaccurate bankruptcy entry on my credit report is in violation of Metro 2 Compliance Guidelines, which require accurate and up-to-date reporting of consumer credit information.

Violation of 15 USC 1681 : This erroneous bankruptcy entry also constitutes a violation of the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), which mandates that consumer reporting agencies ensure the accuracy of the information they report. 
I am requesting that XXXX promptly investigate this dispute in accordance with the provisions of the Fair Credit Reporting Act. Pursuant to my rights under 15 USC 1681i, I request that you : Conduct a thorough and comprehensive investigation into the accuracy of the bankruptcy entry in question. 
Verify the accuracy of the information with the creditor responsible for reporting it. 
Correct or delete the inaccurate bankruptcy entry from my credit report if it is found to be incorrect. 
PLEASE DO NOT SAY THE COURT REPORTED THIS IMFORMATION TO THE CREDIT BUREAU BECAUSE THAT IS A LIE!! 
The ORC and E OSCAR VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 
Please acknowledge receipt of this dispute letter and provide me with a written response within 30 days, as required by the Fair Credit Reporting Act. If the investigation results in the determination that the bankruptcy entry is indeed inaccurate, I request that pplyou promptly remove it from my credit report. 
Failure to comply with the Fair Credit Reporting Act could result in legal action, and I hope to resolve this matter amicably. I appreciate your prompt attention to this dispute and your commitment to ensuring the accuracy of the information reported by your agency. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB finding indicate that XXXX has not only neglected to protect consumers but have allowed repeat offenders to exploit the system, leaving users vulnerable to scams
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Product: Debt collection

This company called me today and attempted to force me to disclose personal information while refusing to tell me who they were. They would not tell me what their company is and why I was being called. I was told numerous times that they didnt have to tell me anything, arent legally required to tell me who they are, and would only tell my lawyer who they are. They were aggressive, blatantly rude, and very dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX  XXXX account # XXXX has violated my rights. 



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

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have told them i have nothing to do with this debt and to remove my name and number from the list. This is a loan that my brother has for school which payments are being made and they will not remove my phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally wrote XXXX XXXX  ( XXXX  ) about a {$140.00} collections they put on my credit report of XX/XX/XXXX for a XX/XX/XXXX XXXX XXXX utility bill. I wrote and called to both experian and transunion in XXXX and XX/XX/XXXX and showed proof that I didn't owe it and they all refuse to take the XXXX collections off my report. XXXX put a collections on all three credit bureaus for a Utility bill that originated from creditor XXXX XXXX. The house where the XXXX XXXX bill originated from was sold in XX/XX/XXXX and the XXXX XXXX utility bill originated in XX/XX/XXXX. I had already MOVED and SOLD the house IN XX/XX/XXXX. All outstanding bills were settled or transferred to the new owner. I was not made aware of this bill because I did not live at that house since XX/XX/XXXX and never received notification although I had a change of address with United States postal service and all mail was being forwarded by United States Post office to my new address. I sent XXXX XXXX copies of the notarized documents showing the sale of the property in XX/XX/XXXX. I also enclosed United States Postal Service mail forward form from XX/XX/XXXX showing that I moved at that time. 
Based on the aforementioned, XXXX XXXX should remove the collections from my report. I even I called XXXX XXXX numerous times and they keep giving me the runaround and told me to call the XXXX  XXXX. XXXX XXXX is the collection agency for XXXX XXXX and there is nothing XXXX  XXXX can do. XXXX is responsible for the collections that was put on my credit reports. I called XXXX XXXX, I disputed the collections with XXXX, equifax and XXXX, but XXXX was the only one who removed the collections. XXXX  and Equifax will not take it off because XXXX will not budge and do what is right despite me writing, calling and showing them notarized documents that I sold the house in XX/XX/XXXX. 

I even paid the {$140.00} because I'm trying to refinance my home and although it is paid and wrote to every high authority at XXXX XXXX  they will not remove the collections. This is a form of oppression to keep my credit scores low so I will not be able to obtain a better standard of living. I SOLD THE HOUSE and THE THE BILL WAS GERNERATED AFTER the sale and I showed proof. The bill was generated and sent to collections years AFTER I MOVED! There is nothing I could have done to have known about this bill or paid since I moved out of the state.
Product: Credit reporting or other personal consumer reports

I have requested over and over how and why numerous disputed items are NOT being investigated as opened through a data breach. I have provided numerous items for the companies and XXXX, XXXX and Transunion continue to report information inaccurately, constantly saying its not their job to look deeper into my disputes. They accept information from companies, where its been validated that computer generated investigations took place, even after I asked them to look deeper. XXXX, XXXX and Transunion are violating 15 USC 1681 b ( 2 ) and they know it.
Product: Credit reporting or other personal consumer reports

The XX/XX/year> hard inquiry needs to be removed from my report. This should be removed from all credit bureaus. My lease date is XX/XX/year> and this is the date shown on my agreement. Ive contacted the dealership finance company and was told there nothing they can do. I also have this information in writing.
Product: Debt collection

Several months ago, I was contacted by XXXX XXXX XXXX in XXXX XXXX CA about a debt they said I owed to PayPal. I filed a complaint with the FTC and thought this nonsense was over. The debt collector stated that the address for the debtor was for a XXXX XXXX in Texas. I have never lived in Texas and never had a PayPal account. This morning the same person who harassed me before called my XXXX year old mother in Michigan looking for me. I do n't know how he obtained her phone number. My mother called me in a panic and told me about the call. I called the company and the person who answered was XXXX XXXX. 
He did not sound like a XXXX XXXX since he did not speak English very well. I had filed a complaint with you before so I would like this harassment to stop. I do not owe this money since I never lived in Texas and never had a PayPal account. This also happened to my sister a few years ago with a fake PayPal account. She had to give them a list of addresses she lived in but the harassment finally stopped. 
I also want to know how they even got my mother 's phone number since she lives in Michigan and I live in California. I do not even have the same last name is her since she remarried in 1990s. 

Thank you for your assistance.
Product: Checking or savings account

I want to reiterate once again some points and authorities of this complaint and UPLOAD ONE MORE RECORDING FROM TODAY FROM MY MOTHER " XXXX more on XXXX XXXX XXXX from Moms voice. '' Please DOCUMENT THIS WITH THE ADDED RECORDING FROM XX/XX/XXXX FROM MY MOTHER. IN ADDITION SHE CALLED THE BANK TO WITHDRAW THIS CLAIM ON XX/XX/2018, AND SAID SHE MADE A MISTAKE AND FORGOT SHE HAD GIVEN ME PERMISSION FOR THIS AND OTHER TRANSACTIONS IN HER BANKING -- AS I HAVE BEEN SAYING ALL ALONG.!! 

My mother has already called XXXX XXXX XXXX, Monday XX/XX/XXXX and withdrew the complaint and said she filed this in error from not remembering. She also states on the recordings she has memory problems as I have been telling you previously. 
XXXX XXXX XXXX said they would get back to her. She was confirmed, recorded and spoke to a supervisor and redrew this complaint and also as you can see on this NEW RECORDING FROM TODAY, XX/XX/2018, SHE FULLY EXPECTS THE FUNDS TO BE TAKEN BACK OUT OF HER ACCOUNT FROM HER ERROR. AND RESTORED TO ITS SOURCE. In this case it would be back to XXXX XXXX XXXX that credited it, they will debit it, and then contact you to release the claim they have with you to recovery funds from a claim, which is now proven to be false, and I was fully authorized for this transaction and others. 
PLEASE FORWARD THIS TAPE. I WILL ATTACH BOTH FROM THE XXXX AND TODAY THE XXXX. 
WE ARE WAITING TO HEAR BACK FROM XXXX XXXX XXXX NOW CONFIRMING THE CLAIM HAS BEEN SHUT DOWN AND WITHDRAWN.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # 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 instruction.

15 U.S.C 1666 B .A Creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any reason.