23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$520.00} XX/XX/XXXX {$520.00} XXXX {$510.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$620.00} XX/XX/XXXX {$490.00} XX/XX/XXXX {$620.00} Ive contacted the company moneygram several times on XX/XX/XXXX & XXXX when I noticed these transactions made through multiple cards and reported them as a scam. I did not authorize these transactions & believe someone was impersonating me. I have never been affiliated with moneygram & have never used their services. I did receive an email in return that specified that they would not refund any and all charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing in to the bureaus since XXXX of 2020 and have not received ANY responses. 

Here 's a list of the correspondence : Experian : XX/XX/2020 : Request to remove outdated and inaccurate information. 

XX/XX/2020 : Request to Investigate ( 3 accounts listed with reason for requesting investigation ). 

XX/XX/2020 : Bureau Warning Letter - No responses received XX/XX/2020 : Next round of disputing with 3 letters requesting ( 1 ) description of investigation procedures ( 2 ) all documents contained in their files about those 3 accounts ( 3 ) request to re-investigate. 

I have not received a response to ANY of these requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Global Lending Services on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted.Global Lending Services violated federal law. see 15 USC 1681b A2. I did not give Global Lending Services Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
Product: Credit reporting

Inaccurate information is reporting on my consumer report. I have attempted to dispute the erroneous information through Experian 's online porthole to no avail. The FCRA ensures that all Consumer Reporting Agencies report 100 % accurate information. Pursuant to 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) ( 1 ) ( A ) the Consumer Reporting Agencies are required by Federal Law to verify information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. Please consider this dispute a formal request under the FCRA, to provide a copy of the verifiable original creditor documentation to the following inaccurate accounts and/or information ; 1 ) US BKPT CT VA XXXX XXXX is NOT my account 2 ) US BKPT CT VA XXXX XXXX is NOT my account 3 ) US BKPT CT VA XXXX XXXX is NOT my account 4 ) US BKPT CT VA XXXX XXXX is NOT my account 5 ) XXXX XXXX XXXX NEVER KNOWN BY THIS NAME 6 ) XXXX XXXX XXXX NEVER KNOWN BY THIS NAME 7 ) XXXX XXXX XXXX NEVER KNOWN BY THIS NAME 8 ) XXXX XXXX XXXX XXXX, VA XXXX I never lived at this address 9 ) XXXX XXXX XXXX . XXXX XXXX XXXX, VA XXXX I never lived at this address 10 ) XXXX XXXX XXXX XXXX, VA XXXX I never lived at this address 11 ) XXXX XXXX XXXX XXXX, VA XXXX I never lived at this address 12 ) XXXX XXXX XXXX. XXXX, VA XXXX I never lived at this address Experian 's failure to positively verify these accounts have damaged my credit, life, liberty & pursuit for happiness.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an inaccurately reported charge-off account associated with SYNCB/XXXX Account Number XXXX XXXX my XXXX credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided. 

XXXX XXXX XXXX, XXXX XXXX. XXXX : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a XXXX form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no XXXX form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity may constitute an unfair and deceptive practice in violation of the XXXX XXXX, 12 U.S.C. 5531.
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 or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX of Inquiry XX/XX/XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you yet again regarding a persistent issue on my credit report concerning my XXXX account. Despite my multiple previous letters, the error has not been rectified, and I must insist on your immediate attention to this matter. XXXX has confirmed that a mistake occurred due to an issue with their recording software, which resulted in my payments not being processed accurately. Consequently, my account has been inaccurately reported as delinquent. XXXX has acknowledged this error and has agreed to update the status of my account to reflect that it is open and never late. They have assured me that they have communicated this correction to all relevant credit reporting agencies. Despite this, the erroneous information remains on my credit report, unjustly affecting my credit score and financial standing. This is causing significant XXXX and potential financial XXXX, and it is imperative that this error be corrected without further delay. 

XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

A representative called and told me I have a XXXX balance outstanding ... I told them I sent them a dispute letter ... he told me it doesn't matter because I didn't pay it. Told me I would go to jail if I didn't pay ... I told him it's federal law to provide me with a validation letter ( which they have not ). He told me good luck in court ... I said I don't have any income and I owe more on my house than it's worth ... but I dispute the debt
Product: Credit reporting

I 'm a XXXX XXXX XXXX in XXXX and I was n't able to submit an electronic request for my credit report from my country of service. I had a friend in XXXX navigate the website for me while I was skyping him and we could n't get through the security questions for Experian and XXXX. None of the questions they asked applied to me and then I was blocked from getting their credit reports. When this happened I was told to submit a written request for my credit report with identification and a current bill. I had my mom, who has power of attorney for me, send in the form with my identification and a note explaining that I am in XXXX and have no current bills and they refused to send her a credit report on the basis that she is a third party and that I could n't provide a current bill, of which I have none. 
If there is incorrect information on these reports from Experian and XXXX, this is the XXXX time they will have negatively affected me. I have student loans coming my way that depend on a good credit check and if I ca n't get them, I ca n't go to XXXX XXXX. 
I am a XXXX so I literally can not afford to be calling all the time, especially when this should be a simple task. My email is in my contact information and I want you to only contact me that way unless you want to take charges for international calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit bureaus to remove personal information and hard inquired that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Someone close to me opened this account in my name. I have talked to XXXX  XXXX and they have sent it to a collection agency and do not want to deal with me regarding this fraudulent debt. 

Please remove this from my credit file.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that I have not authorized ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

On the XX/XX/2019 my XXXX XXXX Checking account was frozen by the State of New York XXXX County Supreme Court through a restraining notice with a subpoena. A Levi # XXXX of {$8000.00} plus a Processing fee of {$120.00} was removed from my checking account. This process was initiated by Forster & Garbus , LLP, Collection Attorney located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX ; Telephone Number XXXX ( XXXX ) XXXX ; Website : XXXX : XXXX. 

To date I have never received any correspondence of debt and if debt existed never had a chance to litigate a complaint ( never received ) to request documentation from the creditor ( who is unknown at this time ) or even dispute the amount owed, if I do, and who I owe it to ( at this time unknown ). If I did have a unpaid debt ( at this time unknown ) I never had any chance to negotiate with the creditor. 

I tried numerous times to contact Forster & Garbus , LLP, Collection Attorney but to no avail. 

This has caused a hardship for my wife and I since I forfeited this money unknowingly and bills that need to be paid to sustain my wife and I survival is now in jeopardy surprisingly losing this money. 

Finally, while doing my homework, I discovered that the BUREAU OF CONSUMER FINANCIAL PROTECTION Filed Suit Against Forster & Garbus , LLP, in the UNITED STATES DISTRICT COURT XXXX DISTRICT OF NEW YORK ... ... XXXX XXXX   XXXX Thank you for your time looking into this matter ... XXXX
Product: Student loan

Wells Fargo charged off my student loan in error two years in a row. I tried to resolve this with Wells Fargo for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/202XXXX XXXX
Product: Consumer Loan

Wells Fargo is reporting my auto loan payment 30 days late when it was n't. The payment was 28 days late and I have the receipt from Wells Fargo that they sent to me proving it. Wells Fargo admitted on the phone that is was a mistake and it 'd be removed from XXXX that day. That was THREE days ago and it 's still on there and today they reported the same to XXXX XXXX. It dropped my FICO XXXX points! I was scheduled to sign a mortgage application today at XXXX but it ca n't happen now, causing me to lose the contract on the house I 've been waiting for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX and Account # XXXX and Account # XXXX for failing to respond to my credit dispute within the legally mandated 30-day timeframe, as required by federal law. Despite submitting my dispute on XX/XX/year> and responded on XX/XX/year>, XXXX  XXXX XXXX and Equifax has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting.

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful.

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within 10 business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office. I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity.

Thank you for your time and attention to this matter.

Sincerely, XXXX XXXX
Product: Credit reporting

Currently, I have a credit monitoring service courtesy of the recent OPM hack. After receiving some alerts, I perused my file and notice an inquiry from a company called XXXX, XXXX, in XXXX XXXX, 2015. I do n't know who this company is or how this company received approval to review my credit report. I want this inquiry removed from my file. I have not followed up with the credit bureau reporting this information ( EQUIFAX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It is disappointing seeing the Credit Bureaus do their best at nothing to correct my Credit file. I have beeen requesting that the Credit Bureaus delete the items I am disputing to correct my Credit Report from fraudulent information. The most recent letter I sent was XX/XX/2022 yet another request to remove the names, addresses and accounts that are completely UNKNOWN to me. I have read enough to understand my rights and according to FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than XXXX business days after XX/XX/2022. Ive already included this in my previous Complaints & I am including it again : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  CI XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX COMENITY XXXX XXXXX Balance {$0.00} XXXX XXXX XXXX  XXXXX Balance {$770.00} XXXX XXXXX XXXX {$0.00} XXXX XXXXX Balance {$850.00} XXXXXXXX XXXX, XXXX XXXX Balance {$83.00}
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account XXXX has violated my rights. Or 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 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, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX  account has violated my rights. 

XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct  # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2.It also states a consumers reporting agency can not furnished a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent the documentation several times please resolve the issue asap! this is unacceptable! i have sent the docs over 5 times!!
Product: Debt collection

On XX/XX/XXXX I checked my credit score on my bank app and noticed my credit sore had dropped over 100 points so I investigated and scene it had dropped due to non payment on a loan to Affirm Inc. I then called XXXX XXXX to report my finding. I called XXXX XXXX again on Tuesday XX/XX/XXXX and was instructed to contact Affirm Inc to report the fraud. I called Affirm and reported the false account my information was taken and I was told the issue would be escalated and I would hear from someone in five business days by email. Five days went by I called Affirm Inc again on XX/XX/XXXX and was given case id : XXXX. Affirm did not have any information other than my name associated with account XXXX and in later calls would not give me any information on the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Credit Inquiry XXXX : Account # XXXX To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I believe this inquiry was conducted without my authorization or permissible purpose, and I am requesting its immediate removal from my credit report. 

The unauthorized inquiry is listed as follows : Date of Inquiry : [ XX/XX/XXXX ] Company that Made Inquiry : [ First Progress ] Under 15 USC 1681b, a credit inquiry may only be made under specific circumstances, such as : When the consumer has initiated the transaction or request.

When the inquiry is for a legitimate business need related to a transaction initiated by the consumer.

For account review purposes by a current creditor.

For employment purposes ( with written consumer authorization ). 

I have not authorized any credit inquiries with [ XXXX ] on or around the date mentioned above, nor do I have any existing relationship with them that would warrant such an inquiry.

I am requesting that you : 1. Investigate this matter with the company listed above.

2. Remove the unauthorized inquiry from my credit report.

3. Provide me with written confirmation of the removal.

Please find attached a copy of my credit report highlighting the unauthorized inquiry, a copy of my drivers license, and a utility bill for proof of address. I appreciate your prompt attention to this matter and look forward to your timely response within the 30-day investigation period mandated by the FCRA.

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I advised my credit card company ( Chase ) I had been exposed to XXXX  and couldn't travel. The company 's representative, who refused to identify himself, told me I need medical documentation to get a refund for a {$400.00} flight. I don't know if I have XXXX, I just know I was exposed to someone who tested positive and I spent a significant period of time with them. I don't have medical documentation, I was just trying to protect people. I supposed Chase would like me to get on a plane regardless of XXXX   exposure.