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

In reference to CFPB complaints XXXX and XXXX : This will be my third complaint in regard to false and inaccurate information being reported on my report without my consent since XXXX. After over an hour long call on the phone earlier today, the supervisor showed no remorse for the fact that I have had ongoing issues with my Equifax consumer report. He explicitly stated that " they just report what lenders give ''. Even after I expressed that I had firsthand knowledge that It was inaccurate and that the investigation process that he described was not the one that congress explains the supervisor didn't offer any resolution to reassure me that he understood their grave duty to furnish fair and accurate reports. He also refused to give me any documents that would prove that the alleged debts are valid. Being a supervisor, I was highly disappointed that he was not willing to help me in any way and only told me what he couldn't do. 

I have been affected by the erroneous reporting of Equifax and I would like them to show some sympathy for the damage that they cause and to acknowledge my request to delete the following accounts.
Product: Credit reporting or other personal consumer reports

I sent registered mail to all three bureaus requesting as the consumer for collection accounts to be deleted off of my credit report. Under and according to 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

So as the consumer as stated in section ( 2 ) I am giving and have given you written instructions to delete the accounts that are in collection Account status that are on my consumer report that are being furnished by all three bureaus. 

This has caused severe harm to me as a consumer and per violation as stated is up to XXXX in fines so please delete the items listed above that are in collection status. I am not asking you to verify any of the accounts listed I have opted out of all companies that are listed in collection status from them furnishing you information so please dont say you have verified the information because thats not what I am asking as stated in section 2 I have given written notice to delete the accounts furnished on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report from events that I am not familiar : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 - 15 U.S. Code 1681q - Obtaining information under false pretenses : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I paid off my current balance with XXXX  XXXX plus {$10.00} additional for any interest rates that may apply in preparations for a New Purchase. My balance should have been negative. 

Instead XXXX  XXXX has added on additional fees and Even Applied a missed payment report to the Credit Bureaus dropping my Credit Scores Tremendously at a crucial time for my New purchase. 

Can someone please inform me of my rights as a citizen with information on what I can do about this situation?
Product: Credit card

I received an email from Chase.com saying an account was open in my name. We called the number they provided. They needed to verify it was me and I gave them my social and date of birth. They were then fishing for more information and we realized what just happened and hung up, but I feel the damage is already done.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App Failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

XXXX XXXX, I have had fraud on my Bank of America XXXX XXXX credit card since XX/XX/2022. Someone ( living in Pennsylvania ) hacked my Bank of America app and put their physical address as the address, so all of my cards and correspondence went to them. On XX/XX/2022 I went to a Bank of America 's physical location to confirm MY identity to get it figured it out as Bank of America locked me out of my own accounts. I went to Bank of America to confirm my identity. They took care of this fraud and they realized that the hacker had their address as primary. They noted the file to not use this address anymore, flagged it and made sure my address was the only address on file. 

Fast forward to XX/XX/2022. I look on my account ( on my app ) and it appears that someone is using a new credit card ( One I never received ). I called Bank of America and they realized that they mailed my new card out again to the hacker 's address. They added this fraud to my claim and told me not to worry about it. They took responsibility for this error as the new card should have never been mailed to the hacker. They also mail it pre activated so there are no security measures in place once the card goes into the mail, just a side note. 

Later that day on XX/XX/2022, I get a phone call from the billing department at Bank of America claiming my account is delinquent and my credit score is going to be affected in one more billing cycle if I do not make minimum payments on this account. I have no charges of my own on this account, as the previous hacked cards were closed out due to the fraud and I never received the last card which was sent to the hacker 's address and they began to immediately use my card. I got rerouted all over Bank of America before I finally got a woman by the name of XXXX who said that making a minimum payment is totally not correct, she gave me my case number # XXXX and informed me this will take 90 days and it should not affect my credit score. 

I woke up on the morning of XX/XX/2022 to an email from transunion, XXXX of my accounts is delinquent and my credit score dropped XXXX points. I had a XXXX, I woke up to a XXXX. None of this is my fault this is all going on because of Bank of America 's horrible security measures on their app, incompetent employees who did not read the note to stop sending my credit cards to the hackers address and horrible customer service representatives who do not follow through with their job. I have other businesses, my credit cards both personally and business wise are always paid in full to date. I have great credit and I use my good credit often to borrow money to fund our businesses. I am totally baffled and down right upset and this situation. Any help would be so greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. I just got a copy of my credit report and there is misinformation about my residence that claims wrong information regarding my place of residence that makes it that much more difficult for me. So the apartments that I live in used in was a XXXX XXXX XXXX a couple of years ago but was remodeled and turned into actual long term apatments with a lease being signed and its definatly not a hotel anymore. For some reason on my credit file it has a special section that says my main address is a hotel/motel. Thata not fair and its holding me back in a couple areas of getting my credit score up. The apartments I stay in are named then XXXX XXXX XXXX. The address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA. I have a signed lease agreements that make the info on my report incorrect.
Product: Payday loan, title loan, or personal loan

I made a purchase on the XXXX website on XX/XX/2022 using an Affirm loan. The original amount of the loan was {$590.00}. I returned one of the items purchased and the loan amount decreased to {$390.00}. I made monthly payments and paid this loan off. Affirm has since then brought this loan back and is trying to get me to repay this loan I have already paid off. 

XXXX order # XXXX Date of purchase XX/XX/2022 Affirm loan # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is two different accounts with XXXX that are NOT my accounts. They are fraudulent. XXXX financial, and XXXX XXXX. I have sent them proof of all documents, and the FTC report and I was told it would be deleted. They refuse to delete the accounts and due to this I can not get help or the credit I need because of the fraudulent accounts. I have asked for a security freeze and there is numerous inquiries that continue everyday that are fraudulent. They will not delete.
Product: Credit reporting or other personal consumer reports

I have not verified or wet signature either of the following hard inquiries thats reporting on my credit. I have reached out to these companies and they have no knowledge of who I am. Im not sure whats going on and my credit bureaus are no help I have constantly been on the phone trying to remove these inquiries
Product: Credit reporting or other personal consumer reports

My XXXX account and gmail were compromised XXXX XXXX. Phone ordered, and a XXXX credit card was requested by a phisher through XXXX  Retail cards. XXXX crazy gmails. I did not know that existing banks and creditors can review credit report anytime, even with freeze, to make offers unless you elect " Opt Out ''. I did and offers continue. At least XXXX weirdo calls with people trying to get my zip code especially - no way! I had placed freezes with all reporting bureaus several years ago through premiere Equifax. When I went to their sites, all sites said my freeze was temporarily lifted until XX/XX/XXXX. I did not do that. XXXX ( XX/XX/XXXX call transaction XXXX ) states that they have 5 days to notify me of a freeze lift - I never got a " heads up '' from them. This is so wrong. No one ever explained this to me- apparently legal minimum. Lots of fraud can occur in those 5 days - license to steal. XXXX and XXXX notified me of credit card filing, but not freeze lifting. Equifax is slow to the party on everything. I put a lock on Equifax, but you have to pay extra to do that on XXXX and XXXX. Clearly reporting bureaus are part of the problem. When XXXX and businesses can notify me right away of changes ... what is Equifax 's problem? It does not take 5 days!
Product: Money transfer, virtual currency, or money service

*ORIGINAL COMPLAINT* XX/XX/XXXX Between XX/XX/XXXX I was issued {$37000.00} to a XXXX XXXX  Debit Card by the California EDD for unemployment benefits. After a few days I was told by the XXXX XXXX company that my account had been cancelled due to suspicion of Fraud. The remaining balance on the XXXX XXXX account was {$33000.00}. On XX/XX/XXXX I was issued a check for the balance of {$33000.00} from XXXX XXXX. When I finally received the check no financial institution, check cashing place or even my personal bank would cash or deposit this check due to suspicion of fraud. It's been 6 months and every time I contact XXXX XXXX they still won't tell me what happened to my money or how we can resolve the issue. The last time I called customer service they told me it was nothing they could do. So I'm now lost out of {$33000.00} and all I have is a bad check that was issued to me by XXXX XXXX  I hope this gets their attention so they can help me because for months they have done nothing. 




*UPDATED COMPLAINT* XX/XX/XXXX After everything that i've been through the last 7 months with these XXXX XXXX checks . On XX/XX/XXXX I was issued 7 MORE checks and once again THESE XXXX XXXX CHECKS CANT BE CASHED OR DEPOSITED at MY PERSONAL BANK, ANY OTHER BANK OR CHECK CASHING ESTABLISHMENT that i've contacted or visited in person. I thought my last complaint would get me the help I needed but now i'm back at XXXX XXXX. This is really an inconvenience and to be truthful it's a very dangerous and scary situation. I have money just floating around that I can't touch because of some messed up checks that I keep getting sent to me. THERE HAS TO BE ANOTHER WAY FOR ME TO GET MY MONEY. This is really getting out of hand now. It shouldn't be this complicated. I have uploaded the new checks that were sent to me and I hope this complaint will get XXXX XXXX ( Fiserv ) to solve my problem.
Product: Checking or savings account

Hello - I contacted Capital One Bank who purchased ING Direct to  obtain copies of statements for my 2 accounts from XX/XX/2007 through close of the account. 

One representative provided the statements that I needed via fax. 

When calling back yesterday to obtain a few more statements the representative, XXXX EID # XXXX in MN, would not provide them to me. 

She said that while the statements are there, she would violate a Capital One policy of providing them to me. I asked to speak to her manager, and she denied the request. 

This makes no sense given that one representative provided the necessary documents, but she won't. Can you please help me address this situation. 

Best Regards, XXXX XXXX, XXXX
Product: Credit card or prepaid card

There where 2 transactions that posted to my cashapp account on XX/XX/XXXX for a total of XXXX dollars I requested a refund for both transactions and the refunds where denied I tried to contact cash app support they have denied my disputes both times so I now want to file a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

multiple agencies are making unlawful mistakes : sending my mail willy nilly wo consent reporting move when I didnt move and then refusing to give me an updated report after demand for removal under part 209 FCRA. 

unfair credit abuse and slander and oppourtunity to repair good name after multiple companies, including a chXXXX bankruptcy atty have broken the law and burned me on bad deals. 

refusing to provide a working fax number, or failing to maintain it. 
repeated attempts get cut off at 5 page mark or need multiple ( 100s ) of attempts to go thru. ( companies refuse to reasemble on remote end because of this ) this includes key credit which is supposed to help consumers. 

XXXX chexsystems XXXX XXXX XXXX XXXX all guilty and have lied to me on paper about what they have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is lying telling people Im Deceased which has caused my income tax check to be delayed, extra harassment during jury duty as well as extreme duress and financial hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. Please make sure my name isnt an error because I noticed that and all accounts listed below in the attachment are RE : Remaining items To whom it may concern : XX/XX/2017 This letter is being written to dispute the above account which i have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the account could not be verified, your company must delete & permanently remove the account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you are will faces charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate accounts that remained on my credit file. I dont have a vehicle and I dont own one so why are these accounts and inquiries appearing on my credit file as if I have a vehicle? I am unaware about any vehicle. All inquiries or accounts pertaining to vehicle must immediately be removed by law because it doesnt belong to me at all. Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

DELETE ALL FRAUD ALERTS XXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my dispute regarding inaccuracies on my credit report. Despite my submissions, Experian 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. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian '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 proceedings ( FILE No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. The accounts reporting inaccurately are XXXX XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX XXXX acct # XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX {$0.00} XXXX update to never late XXXX {$0.00} XXXX update to never late XXXX XXXX  {$0.00} XXXX update to never late XXXX {$0.00} XXXX update to never late XXXX {$0.00} XXXX update to never late XXXX {$0.00} XXXX update to never late XXXX XXXX XXXXXXXX remove Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I filed a disputes with XXXX, Equifax, and XXXX in regards to my credit report. It has been well over 30 days and I have not received any investigation results. On XX/XX/2021, I also sent all three credit bureaus 30 day demand to comply letters and I still have not received any investigations results.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE- XXXX XXXX XXXX Account # : XXXX XXXX XXXX Under the FDCPA ACT, and my rights FCRA Ive involved these accounts in civil litigation against these credit Bureaus for unauthorized and Fraudulent actions concerning these accounts on my credit report.The credit Bureaus are constantly in violation of my consumer right of not sending documentation of non verified debt for non permissible purpose under section XXXX & XXXX XXXX - XX/XX/XXXX XXXX  CAP ONE AF XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX CAPITAL ONE AUTO FIN Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX CAPITALONE - XX/XX/XXXX XXXX CAP ONE NA Bank Credit Cards XX/XX/XXXX XXXX CAPITAL ONE Bank XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting the following accounts have violated my rights : XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX Acct # XXXX, XXXX, XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX 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
Product: Credit card

I was approved for XXXX loan from Acima and due lack of delivery from XXXX I cancelled my order the next 2 days I want to uncancel my order they you can do that and both companies took me through tedious process of not responding and lost my credit at Acima.
Product: Debt collection

I keep getting a robo call from Focus Receivables and they want me to call back. I do not owe anyone any money that I have not paid or that I have not resolved any issues with. I am suspicious, because they keep calling me with a recorded call and not a live body asking me to call them back. I have a suspicion that this is just a ploy to get me to call them, so they can obtain information from me. I believe this is a scam.