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

It has come to my attention that Experian, Consumer Reporting Agency as defined according to 15 USC 1681a ( d ), ( 1 ) and 15 USC 1692b ( 5 ) has violated my rights as a consumer according to Title 15 Chapter 41 subsection 15 USC 1681, Fair Credit Reporting Act and 15 USC 1692, Fair Debt Collection Practices Act by misinforming me about my consumer report, my credit, invading my privacy by furnishing abusive and unfair information on my consumer report without my written consent which is identity theft to the natural person, consumer & original creditor. 

On XX/XX/2021, I have provided Experian with a cease and desist notice which XXXX XXXX signed off via certified mail and a return green receipt which serves as documentation that I am disputing the validity of the information furnished on my consumer report according to 15 USC 1681b ( a ) and that this consumer reporting agency furnished NEGATIVE information on my consumer report without my written consent and continues to commit identity theft against the natural person, consumer, and original creditor. I have also filed an identity theft report with the Federal Trade Commission on XXXX Experian has continued to use obscene and profane language on my consumer report according to 15 USC 1692d ( 2 ) by displaying on my consumers report that I owed debt on an alleged past due balance or had an alleged charged-off account, while each negative account displays a positive balance which is misleading and deceptive according to 15 USC 1692e ( 2 ), ( a ), ( b ), ( 7 ) and serves as proof Experian is destroying my character, credibility, and creditworthiness. These actions have resulted in my inability to extend myself credit for personal and household purposes and the loss of employment due to the negative information illegally being furnished in my name by Experian and displaying unauthorized information according to 15 USC 1602p and 18 USC 1028a ( 5 ). 

Within my cease and desist, I have clearly informed Experian of the consequences of the failure to comply with my cease and desist demands that will result in legal judgment being brought on Experian. Accordingly, and informing Experian that their actions may be held criminally liable according to 15 USC 1611 and civilly liable according to 15 USC 1640 and 15 USC 1692k.

After contacting Experian over the phone, Experian 's rep told me that the Fair Credit Reporting Act and the Fair Debt Collection Practices Act have no jurisdiction, and Experian is not obligated to adhere to those laws. Therefore, if I have an issue, I would have to speak with someone above them.

So here I am speaking to one of Experian 's bosses. 

I'm aware that this person was ignorant of federal law, but ignorance of the law is no excuse ; I am here to enforce my rights. 

All exhibits and documentation that I sent to Experian have been sent via certified mail along with this complaint to the CFPB. 

And litigation will follow if my demands are not met.
Product: Checking or savings account

XX/XX/2019 Charge for {$250.00} XXXX XXXX - USAA - CASE XXXX XX/XX/2019 Charge for {$110.00} XXXX XXXX - USAA - CASE XXXX These charges were never authorized by me and I never received any money. I contacted XXXX XXXX but they have no phone system and attempted to message them with their in app support system. It usually takes many days for a response. I never heard back from XXXX XXXX so I called USAA and started a dispute. It was very easy and got temporary credits in my account. I believe I had the credits around XX/XX/XXXX. 

Then on XX/XX/2019 USAA sent me 2 plain emails with pdf attachments. It does not say in the email that any information is required or my immediate response is requested. But hidden away in the pdf files is a request for more information. Because I don't check every email I receive from USAA because usually they are junk mail, I never opened the pdf, and then USAA DENIED my dispute. They never called me or sent another email. They never sent me a letter or anything they just denied it and took my money. 

After a few phone calls speaking to a supervisor I was able to resubmit the information. On XX/XX/2019 my one dispute is finally reopened XX/XX/2019 Charge for {$110.00} XXXX XXXX - USAA - CASE XXXX. 

XX/XX/2019 Charge for {$250.00} XXXX XXXX - USAA - CASE XXXX DISPUTE # 2 for {$250.00} has not been reopened since I uploaded information about the case.
Product: Debt collection

I paid this XXXX XXXX XXXX on XX/XX/, 2018 a medical debt which I had disputed. I felt like it was easier to just pay them. 

However, the debt collection calls have continued. On average, I receive 4 calls a day from XXXX. I contacted XXXX. They confirmed that the debt is paid-off. Every time I talk with them, they tell me that the calls will stop and I would be removed from the call list. However, the harassment has continued for over two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXETER FINANCE LLC # 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, 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section State : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items 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

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights with multiple accounts under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported with several different open/closed dates, balances and last payments dates which is a violation of FCRA and XXXX XXXX XXXX. 

I have disputed this several times in attempt to correct the inaccurate information that is being report, however they has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Product: Checking or savings account

In XX/XX/2022 XXXX ( US ) transferred my accounts ( checking, saving, and credit card ) to Citizens Bank as part of closing its US operations ( without offering me any choice ). 

Citizens has so far made no provision for account holders who do not reside in the USA ( you have to give a US telephone number to register ), so I have no online access at all. At least one person that I spoke to was aware of the problem but said resolution was indefinite. 

Also one can not withdraw funds via its telephone system, so I do not have any access to my money as far as I know. Obviously the situation causes me some difficulty. 

Surely this is strange behaviour for a bank?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was part Chp XXXX bankruptcy. All debt before XXXX XXXX have been XXXX. XXXX shows as a late account.
Product: Credit reporting or other personal consumer reports

on XXXX, i sent letters to the CRA 's about reporting inaccurate and incomplete information on my credit report that is not 100 % accurate and complete.per 15 usc 1681e ( b ) all information has to be 100 % accurate and complete before reporting to a consumer report. 
I am requesting deletion of the inaccurate information and send me an updated report within 15 days. 
I have the USPS XXXX XXXX for all 3 as well : TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ATTACHED COPIES OF LETTERS FOR YOUR REFERENCE ALSO THE XXXXXXXX XXXX ACCOUNTS HAS BEEN SENT TO COLLECTIONS SO IT CAN'T REPORT TWICE ON THE SAME ACCOUNT
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, it hasn't being authorized by me and has to be removed. 
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 name and number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) had 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 : States consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has inquries that I didn't authorize. Please see FTC Report attached XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

To whom this may concern, After opening a U.S Bank Business Checking and Savings account, with promotional code XXXX. I was told that in order to qualify for this promotion, I would need to do the following : " U.S. Bank is offering a bonus of {$400.00} when you open a new business checking account and complete the following requirements : Mention promo code XXXX Complete {$5000.00} in new money deposits within 30 days of account opening '' After opening up my account on XX/XX/2019. The banker who was assisting me told me that after opening both the checking and savings account, and depositing XXXX or more into the checking out, I would be paid a bonus of {$400.00} dollars deposited to my savings account within 60 days. 

I then proceeded to deposit the money off {$5000.00} on XX/XX/19. After waiting over 60 days I still did not get any type of bonus for on either one of my accounts. 
After contacting US Bank support, I was told that I was not eligible for the promotion due to not signing up during the promotion timeframe. Unfortunately their claim is not valid, since the banker, selected the promotion code as an option to be applied to my account and the end date for this promotion on his screen was TBD. Since expired promotion codes can not be applied after expiration date, the original support representative claim is therefore false. Since the branch where I signed up for the promotion offerings has closed down and the branch manager who signed me up has left the company, my only choice would be to file a complaint. I have since taken other measures complimentary to the complaint where I reached out to was to my local branch and they have filled a request : XXXX I hope that this issue can get promptly resolved, where I can still have satisfaction in doing business with U.S Bank.
Product: Mortgage

I am just giving notice that I have filed a complaint with the Federal Trade Commission concerning the fact that someone changed my address related to my complaint with the CFPB. It is my firm belief that it was changed to obscure the involvement of the Banks in the theft of XXXX XXXX XXXX XXXXXXXX XXXX. I firmly feel that my address was changed to cause more confusion in the matter. The Fact still remain, I did not sale my home at XXXX XXXX XXXX XXXX XXXX XXXX and Wells Fargo knowingly participated in XXXX XXXX and XXXX. The acts of Wells Fargo Bank is in part why there is such a large wealth gap in the wealth between XXXX and XXXX. It is the discriminatory manner in which the Banks including Wells Fargo Bank approve and or accept factitious documents sending out large amounts of money using our property as collateral this done without our permission or knowledge. Wells Fargo Bank actions is XXXX, bias and just wrong. 

All we really wanted is assurance that we as XXXX can participate in the Banking industry without concerns of fraud by anyone or any agency. We are left with what we can here with, nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX and XXXX bought some illegal debt and has been harassing me as well as reported illegally on my credit report. This debt was paid thru XXXX XXXX and then called paid off because the loan is a loan that was considered illegal in CA as it was at 138 % interest and I paid 2 years ago and negotiated with original creditor. XXXX XXXX I disputed with and I proved illegal they need to remove this from my credit reports XXXX and Transunion immediately. This was an illegal loan for XXXX that I paid over XXXX. 

This is not owed and XXXX XXXX bought this from some other debt company that could not report it because it is illegal. I will not pay this company anything ever and I will get an attorney and go after them calling from spoof numbers, harassing me on the phone and threatening to show up at my house which is all illegal. I have stood my ground with them and want these removed from my credit reports immediately.. I already had another issue with this company buying a ghost debt that I proved not legitimate either and they removed. 

XXXX 's online dispute does not work. Transunion was working on another dispute and I could not add this one for 30 more days.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX Complaint : I am writing to formally dispute inaccurate information that has been reported by both XXXX XXXX and CoreLogic on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, I have the right to dispute and demand the correction or deletion of any inaccurate or incomplete information on my consumer report.

Per FCRA 15 U.S.C. 1681i ( a ), upon receiving notice of a dispute from a consumer, consumer reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Additionally, under FCRA 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy of the information they report.

The information being reported on my file is incorrect and does not reflect my current or accurate status. I request an immediate investigation and correction of these inaccuracies. If you are unable to verify the disputed information as accurate, I demand that it be deleted from my record, as required by law.

Please provide written confirmation of your receipt of this dispute within 5 business days and inform me of the results of your investigation within 30 days, as mandated by the FCRA.
Product: Debt collection

I had my wages garnished for a credit card debt that was bought by Unifund. The total amount was sent to my employer and was completed in XXXXXXXX XXXX XXXX. I have now received communication from this debt collector for additional court costs. Now they are threatening to garnish my wages again which could end up costing me my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX XXXX, XXXX, is not authorized to have any of my personal information According to ( .15 USC 1681b permissible purpose of credit report ) The credit reporting agencies were Never given the role to furnish credit reports they assumed the role.According to the fair credit reporting act and I demand that all of my personal information be removed from all three Major consumer reporting agencies to wish this is affecting me financially mentally and physically.I never consent nor Authorizing these credit reporting agencies the right to expose my personal information. I feel totally violated under the ( FCRA ).
Product: Debt collection

I am disputing this item and would like proper validation as these charges are not accurate. I 'm requesting full validation
Product: Credit card or prepaid card

Merchant has scammed me, I will attached a pdf with the full details of the dispute
Product: Debt collection

Over the past year I have been trying to get Method of Verification for Account # XXXX with XXXX XXXX. Once the collection is disputed with the credit bureau, It states the collection has been validated but has not provided me with any information that I have asked for such as a contract bearing my signature, or any other information. The same information was requested from XXXX and XXXX and the validation could not be verified and the Account was removed from my credit profile with both Bureaus. The dates for the requested information are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have also send Certified Letters to Transworld systems and have not received a response. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a security freeze with Lexis Nexis for my Lexis Nexis account in XXXX. In XXXX in addition to requesting a security freeze, I also opted out of any C.L.U.E reports with Lexis Nexis. I asked that the information Lexis Nexis had for me be frozen and not available to anyone including credit reporting agencies and possible employers. ( Please see the enclosed letter dated XX/XX/20 ). 

On XX/XX/XXXX, I received 2 ( two ) letters from Lexis Nexis confirming both my freeze as well the opt out. ( see the enclosed letters ). 

XX/XX/XXXXis saying they were able to verify public record information about a bankruptcy on my credit report by using Lexis Nexis. I demand to know how Lexis Nexis obtained any information regarding my social security number and a bankruptcy filing. I need to see proof my social security number on a bankruptcy filing. I demand to know how Lexis Nexis is validating any information in my Lexis Nexis files after granting a freeze that I have never requested be lifted. I demand that this erroneous information be removed from my information Lexis Nexis or Lexis Nexis file immediately. I demand that Lexis Nexis correct the false information they illegally supplied to XX/XX/XXXX and the bankruptcy information be removed from all my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the company to remove the fraudulent inquiries in my credit report.
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 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 Have Cause Significant Inconvenience and financial loss, and i seek Appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent inquiry on my credit file that I did not initiate or authorize with XXXX XXXX  XXXX. I do not have any personal credit cards with XXXX XXXX XXXXXXXX. I dont have any personal accounts with XXXX XXXXXXXX XXXX XXXX I am requesting proof that I applied for an account with my written signature. If proof this can not be provided within 30 days I need this unauthorized inquiry removed from My credit file. This is a violation of the fair credit reporting act. It violates US code 1681b permissible purposes of consumer reports
Product: Prepaid card

They said card was compromised and will not send a new one without me faxing personal information to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted that my credit score had decreased so I called and found out that a hard pull had been done on XX/XX/2020 they said it was XXXX XXXX  XXXX XXXX  via Equifax mortgage services which does not exist I called XXXX XXXX  XXXX XXXX  and I called the number that I was given by Equifax that was on my credit report for the company that did the hard pull on my credit this Equifax mortgage services but it found out that was not a correct number the phone number I was given for Equifax mortgage services was XXXX
Product: Credit card

I received an American Express Gift Card of {$25.00} for XXXX. I activated it and checked the balance on their website to make sure the card was active. Of course, it's not the full balance of {$25.00} dollars I received because they always cheat consumers. They withheld XXXX cents for some odd reason which I did not read the fine print. I tried to purchase something with XXXX for {$23.00} and was declined. I tried a smaller amount and had no luck. I tried XXXX and no go. I called customer service only to tell me the card was active. They also pointed out that I should try to use it in person. Can you imagine trying to buy something and getting declined? It's a {$25.00} gift card for laughing out loud, I don't think I should go through all that trouble to retrieve it. It's embarrassing to have been declined with purchases less than {$25.00}. My friend already paid a couple of dollars to buy that card. Then they withhold a few cents and multiply that by millions of cards. It's a legitimate scam if you ask me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report . All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.