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

I paid the XXXX XXXX, the account number on my credit report is XXXX directly to XXXX XXXX, account number XXXX, in the amount of {$1100.00}. I am not sure why this account is still on my credit report
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No., XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

CitiBank # XXXX is reporting lates on mine and my husband 's joint account that I should not have. We had this on auto-pay and never received any statements for it. We changed our address and had a forwarding address so there was no reason for us not to get these. Our mortgage went up and we never received notice or a phone call so we did not know to make higher payments, again this was on auto pay and we did not know the payment changed.
Product: Money transfer, virtual currency, or money service

I have sent XXXX $ using my credit card to my XXXX account on XX/XX/2020 and money has not reached my XXXX account as promised by XX/XX/2020. I tried to contact Skrill on the same week until XX/XX/2020, skrill always trying to wash their hands saying money is sent and its processed like that. by XX/XX/2020 i filed a chargeback on my credit card which didnt go well on my side. so credit card company came back and said dispute is not right. 

by this time skrill suspended my account and i have noticed skrill   got XXXX $ back in their account ( which i think it never processed to my XXXX account ). Above transaction happened on XX/XX/2020. i contacted skrill to make this XXXX $ available to my by XX/XX/2020 and they wanted my CC statement and letter from me for chargeback. i did provided on same week. even after multiple follow ups happened between XX/XX/2020 and today XX/XX/2020, skrill never tried to resolve my complaint. they keep saying they have escalated the case but never made my money available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND TRANSUNION are reporting incorrect information for an account : company name, account numbers, balances, and payment histories are wrong.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$20000.00}
Product: Checking or savings account

On XX/XX/2024 I initiated fund transfer from my XXXX saving account to my XXXX  XXXX XXXX account. The XXXX representative authenticated my identity by sending a code to my phone and initiated the transfer. I got a voicemail from XXXX on We use cookies to give users the best content XX/XX/XXXX, and called them back, the call couldnt be and online experience. 
complete. On XXXX, XXXX I saw my transfer was reversed. I called them, they stated that they were unable to identify my identity even though I provided my SSN and DL. I have access to my phone number and email address registered to the account and also verified the secret password to my account. They say they can not send a 2- factor authentication to my phone or my husbands phone. They are unable to resolve the the fund transfer and our holding my money because they dont want me to withdraw my money and transfer it to other bank.I urgently need my money for house closing and I told them I can provide any federal accepted identity document they may need. But, they denied my request and put me on a waiting period. I have all my life savings in the account which I need to buy a house.
Product: Credit card

I closed my self bulder credit account. this account was a secured credit card account so i made a payment first to open the account. I opened the account on XX/XX/year>. I closed the on XX/XX/year>. I received an email of my payout will be releases on XX/XX/year>. The company is not trying to return my fund past the time they promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have 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 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 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 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX. XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX* Balance:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX
Product: Payday loan, title loan, or personal loan

I purchased solar panels for my newly built home. When going threw the sales pitch, the person selling me the panels told me that there was no payments for 18 months. That was the only reason I went with them because it was a newly built home. There are things that need to be done before I was to worried about Solar Panels, but without having to pay a payment for 18 months that was doable. Shortly after they were installed, I started receiving things saying that my account is past due my payment was received and so on and so forth. Oh I spoke with somebody and told them that I agreed to make payments after 18 months and if not, then they need to come and get the panels because I didnt want them I couldnt afford to make payments until 18 months later. They tried to tell me they were the finance company and not the actual solar people or whatever but I only ever dealt with one person and I had no clue that they were represented by another company. Anyways, I sent documentation showing where I havent stated in text messages time and time again that no payments for 18 months. Hi shut sent them a copy of the flyer that they gave me when I signed up and said that there was no payments for 18 months, and they still reported me to the credit bureau and knocked down my credit score.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX are reporting on my personal credit file also the inaccurate name and addresses : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX found in my reports with XXXX, Equifax and XXXX XXXX reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
Product: Debt collection

FMS Financial Management Solutions, through its representative, XXXX XXXX, has a false claim that I, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, owe a debt that we do not owe. They have filed this on our credit reports, despite the evidence that their claims are inaccurate. This is a clear violation of the law by their false representation of an amount and legal status of a so-called debt they are claiming. We provided them the information and evidence that they are in error, but they have since failed to correct their error. 

Originally, a dispute had arisen with a potential landlord that was settled in court. When a significantly reduced judgment was entered in court, we satisfied the judgment, since XXXX 2015. However, FMS Financial Solutions has continued to negatively affect our credit score since that time by insisting that we owed an amount which is simply false and inaccurate. 

FMS Financial Solutions refused to correct their records, despite the fact that they were made aware that they are in violation of the Fair Debt Collections Practices Act ( XXXX XXXX XXXX ), especially section XXXX ( false or misleading representation of " A ) the character, amount, or legal status of any debt '' ). We provided them the evidence of the notice of satisfied judgment, and XXXX XXXX, their representative, refuses to correct this information. 

We provided proof of the satisfied judgment amount and closed legal status, which was significantly less judgment than their client was claiming. We notified them that further delay requires further action provided by the laws of the United States.
Product: Debt collection

Nemo 's Collection agency reported a fraudulent debt on my credit account creating a derogatory mark on my credit report. This mark and additional account negatively impacted my credit score and opportunity to get a car loan. This company does not perform due diligence in their matters which adversely impact those they report against ; seemingly without retribution for their negligence.
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 16810 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Checking or savings account

Good day, I am a XXXX citizen but opened a cross-border bank account with TD Bank around XXXX, XXXX. 
I initiated a transfer from a colleagues XXXX account to my TD Bank account for around {$17000.00} USD. 
Every week proceeding the opening of the account I would go to the branch to find a reason as to why my money is on hold and why my account is frozen. 
The cross-border banking agents for TD Bank would then lie to me over 2 months saying my XXXX form was filled incorrectly. 

After the 10th time I submitted that form and wasting time at the branch, I was finally told my account has been " demarkated '' around XXXX, XXXX. 
I have then wasted counted hours/days on the phones with TD Bank customer service and their cross-border banking team with no progress at all. 

They have held my money ever since and I have since given up hope of ever seeing my money returned to me. 

Any help would be most appreciated, Regards,
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My Wells Fargo checking account ( ending in XXXX ) linked to XXXX was victim to a recovery scam for a total of XXXX USD. I was contacted by a spoofed utility number familiar with my name, service area and energy account, transferred through multiple individuals for hours, induced with sharing further sensitive information to initiate illegitimate transfers over XXXX on XXXX XX/XX/2022 to XXXX XXXX ( XXXX ) XXXX. The fraudulent transactions and compromising were reported to Wells Fargo and XXXX the same day while they were still showing as pending in the linked bank account. I am a long-time customer of this bank and have never had an issue with fraudulent activity until now, of which there is a clear record from the sequence and oddity in transactions to a recipient not registered prior, and likely discrepant IP data at the time of fraud. A representative agreed my account may have been compromised. The Wells Fargo claim exists under XXXX and XXXX, and as of XXXX XX/XX/XXXX was denied. I recently received copies of the documents used to decide their denial, without any record of response regarding inducement or connection to each other. I specified before a WF banking appointment ( XXXX ) on XXXX XXXX that I would like to discuss the fraudulent activity, only to have the subject entirely deferred during it. I have not heard from a XXXX representative. There is also an open police case for this incident, XXXX. In accord with clarifications made by CFPB and FDIC on Regulation E, this is induced fraud that qualifies for remedy of the consumers assets.
Product: Credit reporting or other personal consumer reports

I am trying to unfreeze my credit for background screening for employment. However, this is the SECOND time TransUnion has made this a very difficult task. They will not take my login credentials and therefore I need to reset my password. However their login and password reset functions are down. There is no public notice about this and their error messages are VERY vague. You can not unfreeze your credit on the phone like you used to be able to do after passing identity verification. And if you write to their " service center '' - it is closed and they require 72 hours ... to reset a password? It's 2024 and this is a CRITICAL reporting agency. Last year when I had to go through this rigmarole, their service agent hung up on me and I had to keep trying for DAYS to simply log into my account. Shameful.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transition 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 XXXXXX/XX/XXXX under the account number XXXX and a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. 

I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The hard inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I opened an account with the bank of the west and had a bill payment scheduled for XX/XX/XXXX to be paid to XXXX. It was not sent/received by XXXX  till XX/XX/XXXX causing a {$40.00} late charge that was waived by XXXX as a courtesy. I was also charged a $ XXXX  monthly maintenance fee that has been credited every month with the exception of XXXX. I tried to call the bank to discuss the missing bill payment and was on hold 2 hours. I finally hung up. I'm closing this account and requesting a {$25.00} check reimbursed for the non disclosure of the {$25.00} maintenance fee. Also a written response sent to my home address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$5000.00} XXXX/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$6100.00}