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

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Vehicle loan or lease

Dear Wells Fargo, I am writing to express my strong concern about a recent experience on XX/XX/24 while attempting to make a payment for my wife XXXX XXXX The agents I spoke with exhibited unprofessional behavior by repeatedly interrupting me, having a under tone, not being kind, demanding they read my debit card number back, and very rude. 

More importantly, I was deeply concerned about the security of my PII when the agents insisted on reading my debit card information back verbally. Insisting on reading my debit card information back verbally creates a significant security risk, as this information could be overheard or misremembered. The Gramm-Leach-Bliley Act ( GLBA ) highlights the importance of protecting customer financial data, and this practice goes against the spirit of data security. 

I contacted your office representative, XXXX, regarding these concerns. Unfortunately, XXXX did not offer a resolution specific to my situation and simply stated that Wells Fargo policy allows them to read the information back. 

Due to the agents ' insistence on reading my debit card information back verbally, I was placed in an uncomfortable situation where the security of my PII felt compromised. Resolving this issue took significant time and caused me to delay and miss opportunities to produce music instrumentals, potentially resulting in lost income from music production platforms like XXXX, XXXX, and XXXX, as well as social media platforms like XXXX and XXXX. 

I would appreciate a review of Wells Fargo 's verification procedures to ensure they prioritize data security and implement more secure methods like sending verification codes via text message. Additionally, I request reimbursement for my lost income due to the delays caused by this issue. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX This account is listed innacurately amongst all 3 credit bureaus. The " Date of Last Activity '' is showing a different date each for XXXX, XXXX and TransUnion. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. 

This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated to me outside of sending this information to the CFPB that The company reported the information to them has certified to Experian that the information is accurate that I had a bankruptcy. I am requesting a copy of that CERTIFIED INFORMATION be sent if to the CFPB I want to review the document that I know is fraud because I have never had a bankruptcy. and if experian fail to send this CERTIFIED INFORMATION AND ATTACHED A CERTIFIED COPY HERE this item must be or I will exercise my legal right to sue EXPERIAN FOR FRAUD. 

I will not accept any information to be accurate unless it is attach here. Experian should not not have anything to hide from the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/2021 I disputed 3 items on my credit report.. 
On XX/XX/XXXX t Items disputed were resolved The credit bureaus listed below never submitted my request for verification of debt According to the fair act the credit bureaus must submit a dispute when requested particularly when issues of data have been changed
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. Or a 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 an 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: Money transfer, virtual currency, or money service

I use PayPal and I was looking at my transaction history to see how much my paycheck was that gets direct deposited. I noticed FOUR transactions that I did not make or authorize. They were all around $ XXXX {$68.00}. So I XXXX PayPal 's phone number and called it. From the very second the call started, the man who answered the phone was very broken up and I didn't hear what he was saying. So he then called me back from a different phone number. He stated that he was from PayPal and I explained everything. He said they were going to give me my money back but he had to make me go through some security steps to make sure my identity. He had me download an app called " XXXX  '' which I guess mirrors my phone screen and sends it to him. He then had me transfer the ENTIRETY of my money, every cent, to my cXXXX XXXX. And then from my XXXX XXXX he had me send the entirety AGAIN ( {$630.00} exactly, which didn't include the {$240.00} and some change from the unauthorized charges ) to a different account and that account DID NOT BELONG TO ME. He stated that it wasn't really my money, it was just a security task. So now, I don't have ANY of my money. And I have no clue what to do, because I thought because it was " PayPal '' that I'd get it right back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX ACCT # : XXXX XXXX ACCT # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed these credit inquiries on XX/XX/XXXX. I haven't got any response it's been past 60 days. I did not authorize these credit inquiries and Equifax is giving me a hard time removing them. They haven't sent any original consumer contract with my signature on it. 
I want these hard inquiries off my credit report according to the FCRA Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify. 

XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 U.S.C 1681 SECTION 602 SAYS, " 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 ''. UNDER 15 U.S.C 1666B " A CREDITOR MY NOT TREAT PAYMENT IN A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. PRIVACY VIOLATION,
Product: Money transfer, virtual currency, or money service

Scammer called after I was asked to do steps to get my money back I ended up giving away my money through third party apps like Zelle. They took ALOT from me. Had the cops involved and an investigation happened and everything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXXXXXX XXXX  - Account ending in XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued 3.

This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX
Product: Debt collection

I received information from a recent update on my credit report of MERCHANTS CREDIT GUIDE placing an unknown collection account on my credit file, to collect an alleged debt that I know nothing about or had No attempts to contact me even made. This is not right!
Product: Debt collection

National Credit Systems is attempting to collect on a debt that doesn't belong to me. I have disputed this erroneous information and yet they are reporting that it's my debt. This debt is for an apartment complex called XXXX at XXXX apartments and the debt amount is for {$8000.00}. This debt is fraudulent. I have never lived in an apartment complex called XXXX at XXXX apartments. I have sent a copy my police report, my ID theft affidavit, and my FTC information and they won't respond. I have asked for validation such as a contract containing my signature or proof. There's no proof because this isn't my account.
Product: Credit card or prepaid card

I bought the XXXX XXXX  ticket from XXXX XXXX XXXX to XXXX, XXXX. I was located in XXXX, La. and XXXX XXXX  offices in XXXX, Fl. I have paid in American dollars.To purchase the ticket I used the Bank of America credit card # XXXX XXXX XXXX XXXX. The bank charged me {$16.00} foreign transaction fee because " the transaction was processed by a computer located in XXXX '', explained XXXX the bank 's employee. The XXXX XXXX office in XXXX, Fl. deny this, saying the transaction was processed " here in XXXX ''. 
I want {$16.00} back.
Product: Student loan

I graduated in XX/XX/XXXXof XXXX, and by XXXX of XXXX, discover had already called me asking me, when will I make payments? I advised I just finished college and I am currently unemployed therefore I couldn't make any payments. They told me they could give me 6 months to find a job but after I would have to start making payments. 6 months go by and I still could not find a job that could afford $ XXXX {$930.00} per month. So I decided to call Discover and see how we could lower my payments, so I could at least give them some type of payment to show I am not abandoning my payments. I called and spoke apparently spoke to a frontline rep, manager, and supervisor, whom all explained to me, " They could not do anything for me, but either put my loan in forbearance, or let it go to the creditors and ruin my cosigner and my credit ''. So we decided we will attempt to make the payments but also try and find ways so we can lower the payment, consolidate, or anything that would make these payments affordable. Every month around the XXXX and the end of the month, I would call, make my payments, and ask if there anything we can do to lower my payments. In XXXX of XXXX Discover took an entire payment for a loan I could not pay for and only authorized them for the minimum payment, over drafted my account, and told me they would have to reverse the payment but would not reimburse me for my overdraft fees they caused. After 10 months, Discover advised a repayment program, that would last for 6 months, but didn't advised me that my payments would rise after the 6 months. I accepted and payments were temporarily more affordable but quickly risen and currently still finding any and every way to get these payments done. I attempted to reconsolidate my loans and they have denied me 5 times due to my salary. Discover 's advise was to " Go find another company to reconsolidate with because they can not help and because I've had a repayment program I will now have to pay $ XXXX $ XXXX {$1000.00} per month. So I asked to speak with another supervisor XXXX, XXXX, and XXXX of XXXX, to explain I can not continue to make payments as much as they would like because they are asking for way to much money and I can barely survive because my paychecks are going directly to them every two weeks. I know doctors and lawyers and they DO NOT pay no where as close to what I am paying and that Discover is taking advantage of consumers like myself. Just recently I received a phone call from Discover threatening that if I do not make my payments that they will forward me to the credit bureau. But I had to correct the rep on DISCOVERS mistake because they put one of my previous payments on the wrong loan, and the rep advised even though it was a mistake on our behalf, you still might be forwarded to the credit bureau for your payment being late. I asked how when it was their fault, and she had no answer but it may still get forwarded and told me have a great day. 
I've explained to them my situation and if they could work with me because it's not like I do not want to pay off my debt but paying $ XXXX a month is outrageous.
Product: Debt collection

Your agency placed an unauthorized collection on my credit file without required notice. I dispute this debt and demand immediate validation as required by the Fair Debt Collection Practices Act ( FDCPA ). You must cease all collection activity until you provide complete validation.
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 caused 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : XXXX  Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : XXXX Account Type : Charge Off, Deposit Related Account # : XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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

This account is showing delinquent when it is not.. The account is up to date since being opened back in XX/XX/2018The account is in good standing and should not be reported as otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my frustration and disappointment with your handling of my identity theft case. Despite my repeated efforts to resolve this issue, your response has been inadequate, and the fraudulent items remain on my credit report, severely impacting my creditworthiness and financial well-being. 
I have identified several fraudulent accounts on my credit report that result from identity theft. These accounts should be removed immediately. 
The details of these accounts are as follows : 1. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$7900.00} - Status : Account charged off. {$7900.00} written off. {$7900.00} past due as of XX/XX/year>. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 2. XXXX XXXX  - Account Number : XXXX - Balance : {$4500.00} - Status : Account charged off. {$4500.00} written off. {$4500.00} past due as of XXXX XXXX. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 3. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$35000.00} - Status : Account charged off. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 4. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$93.00} - Status : Account charged off. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff These accounts were supposed to be removed as they were a result of identity theft. Your failure to update my credit report as required by the Fair Credit Reporting Act ( FCRA ) is a clear violation of my rights. The FCRA mandates that such information be blocked within four business days upon receipt of appropriate documentation, which I have already provided. 
Enclosed are the following : 1. A copy of my credit report with the fraudulent items circled. 
2. A copy of my Identity Theft Report and proof of my identity. 
3. A copy of section 605B of the FCRA, which requires the blocking of fraudulent information resulting from identity theft within four business days and prompt notification to the furnisher ( XXXX ) of that information. 
4. A copy of my latest bank statement. 
I demand that these fraudulent accounts be blocked and removed from my credit report within 24 hours. If these accounts can not be deleted immediately, I request that the remarks be updated to reflect " CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER. '' Your negligence in handling this matter is causing significant harm to my financial standing, and I am prepared to take further action if necessary to protect my rights. 
Please confirm in writing that the information has been blocked and provide me with an updated credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive attempted to have these items removed I sent letters to all companies and the credit bureaus and information isnt mines and its still on my credit!