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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, Experian and Equifax 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that appears related to the aforementioned collection. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I am getting calls to me and my family from XXXX XXXX XXXX. They have threatened me with arrest over an old debt. I told them to send proof of debt and to stop calling. The said they couldnt do that but they would have me arrested. Their number is XXXX but they will not give you an address and you cant get one online.
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 U.S.C. 1681. 

Account name : # XXXX Account name : # XXXX. Account name : # XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A. States 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information to relating consumer to any consumer to any 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

This is regards to XXXX XXXX account # XXXX on my credit file on Experian and XXXX reports. XXXX XXXX was charged off back on XX/XX/2016 and according to the statute of limitations in the State of Florida, which is only 5 years this account has expired and must be deleted immediately from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR INQUIRIES INCORRECT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late Payments posted on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the Following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer Credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer And the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of My report after the changes have been made will result in legal actions being taken against your company, For which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability For willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXXXX/XX/XXXX XXXX Experian, and XXXX have 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 States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Product: Debt collection

I do not this company any money. I dont have a contract with company. Please delete this account off my credit. Not mine delete
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a copy of my credit report and found the following items to be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute for a debt for a XXXX XXXX test conducted at XXXX XXXX XXXX XX/XX/XXXX. At this time I was told it was free or my insurance covered it. I have been charged with a {$270.00} for this without an actual office visit and just a XXXX  XXXX test  done while sitting in the car. This has severely lowered my credit score. As of today, XX/XX/XXXX Experian said it is verified and updated. My credit score prior to dropping to XXXX from this was XXXX.
Product: Credit reporting or other personal consumer reports

While reviewing my recent credit report, I noticed an error that seems to conflict with the information I have on file. Ensuring the accuracy of my credit report is crucial for maintaining my financial stability and credibility. I kindly ask that you investigate this matter thoroughly and address any discrepancies you find. Your assistance in resolving this issue would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX : XXXX XXXX : XXXX, XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX, XXXX, XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an ongoing issue with my credit report. Despite my previous attempts to correct the information, there is an account listed as being late in its opening date. This error is causing significant harm to my credit profile, and I urgently request its correction. 

The specific issue is as follows : XXXX XXXX XXXX Balance : {$0.00} - The account XXXX  XXXX was reported as being opened which is incorrect. I have proof to substantiate this correct date. 

I have previously disputed this discrepancy and provided supporting documentation to demonstrate the accurate opening date of the account. However, despite my efforts, the credit report still erroneously states that the account was opened late. 

I kindly request that you thoroughly investigate and promptly correct this mistake in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. Under the FCRA, you are required to investigate and resolve disputes within 30 days. Therefore, I expect this issue to be rectified and reflected accurately in my credit report. 

This late open account reporting is negatively impacting my creditworthiness and financial opportunities. It is essential that my credit report accurately reflects my financial history and responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft FLAGSHIPCR Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

4. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account on my credit report. This account was added following a recent data breach in which my personal information was compromised. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the following account from my credit report. 
Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Have not received anything for student loans and just now seeing where I might get a payout of some kind. But I did call them and I was told to file a claim
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report shows late payments that dont match my usual record. Please fix these errors and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received copies of my credit report currently and saw inquiries that I have reported to all 3 credit bureau on more than one occasion. I have placed more than one disputes online and written statements that the following inquries listed was not by me and have put in a fraud alert on my reports and it still remained on my report. The last written letter to all 3 credit reporting bureau ( XXXX, XXXX, and Experian ) was certified mailed on XX/XX/XXXX and it stated that I wanted this listed inquires removed because they were not mine. I asked for them to be removed immediately. If they could not send me proof of consumer verification, please remove in 30 days. I received a response that it was updated and remaining on report with no verification included with updated report. 
The following listed inquries included in the letter are the following : XXXX : XXXX XXXX XXXXXXXX Inquire on XX/XX/XXXX Inquire on XX/XX/XXXX XXXX  XXXX XXXX Inquire on XX/XX/XXXX Inquire on XXXX XXXX and XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXt Inquire on XX/XX/XXXX ( Twice ) Inquire on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquire on XX/XX/XXXX Inquire on XXXX. XXXX, XXXX XXXX Inquire on XXXX XXXX, XXXX Experian : XXXX XXXX Inquire on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not been informed that this is the case I am going to end up with with my attempts to dispute these accounts that are affecting me financially, mentally and emotionally - so here I am writing once again, asking if you could just look through my case and investigate the accounts that I am asking for you to verify the accuracy and remove once done. It has come to my attention that I am not getting proper action from your company and it frustrated me especially as someone who is thriving hard to get through a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with FSTPROGRESS for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Product: Credit reporting or other personal consumer reports

Re : Complaint ID XXXX Dear CFPB, I recently read TransUnion 's response that was dated on XX/XX/year>, and they stated that my disputed accounts were UPDATED on my credit files. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX However, upon checking and comparing my previous and current credit reports, I found that no updates have been made at all. The discrepancies and inaccuracies in my credit report remain unchanged, which is causing significant distress as I am seeking more favorable job opportunities soon. The continuous reporting of inaccurate information on my credit file is unjust and detrimental to my career and financial well-being. 

Despite numerous letters and evidence provided, these errors persist in my credit reports. The details of these discrepancies are discussed in my attached letter, along with screenshots as evidence. 

I kindly request your intervention to expedite the resolution of this matter. The continuous reporting of inaccurate information on my credit file is not only unjust but also hinders my career opportunities and financial well-being. 

Thank you for your prompt attention to this matter. I look forward to your immediate assistance in ensuring that TransUnion complies with FCRA guidelines and corrects the inaccuracies in my credit report without further delay. 


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

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit card

I have XXXX unauthorized hard Inquires from XXXX on XX/XX/year> and XX/XX/year>. Please remove these unauthorized hard inquires from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelle 's Handle of disputes, Particularly in light of CFPB lawsuit highlighting significant issues with the platform. Despite using zelle extremely often & reporting discrepancies, my financial institution & zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings that zelle has not only neglected to protect us consumers but has also allowed repeat offenders/scammers to exploit the system leaving it's users vulnerable to scams. This lack of transparency is extremely unacceptable & raises extreme concern for consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX hard inquiry from XXXX. reported XX/XX/XXXX credit limit was {$2000.00} balance reported {$1800.00} 92 % of account limit. XX/XX/XXXX, remark removed from account. balance increased by {$130.00}. XX/XX/XXXX {$1900.00} was spent, account under investigation. 




XX/XX/XXXX hard inquiry from XXXX XXXX XXXX XXXX Account under investigation. 



XX/XX/XXXX hard inquiry from XXXX  XXXX no action was taken contacts was lead to nothing. 



This are all false reports on my credit. This are false inquiry accounts opened under my name are false I want them to be fixed/ deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Allowing another XXXX XXXX incorrectly to add another telephone # they know is wrong. The wrong # starts with XXXX. XXXX XXXX XXXX
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 ond dece ve, as the 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.