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

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information.

This is a list of all hard inquires that are reporting to my XXXX, XXXX, and Equifax which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also XXXX, Equifax, and XXXX all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. 

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: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries made on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately BRCLYSBANKDE  XX/XX/2020 Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of identity theft, which has led to several fraudulent entries on my credit report. These 6 accounts and 8 inquiries were added without my knowledge or consent. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have already filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft, and I am requesting the immediate removal of these fraudulent items to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

This has been resolved and is closed. 

XXXX continues to " update '' the information every month. It constantly appears current. 

The information that is being reported needs to change to current.
Product: Debt collection

They keep calling and refuse to send a debt verification letter and I have not received one. There calls use terms that imply legal action
Product: Credit card or prepaid card

I have had a credit card with Wells Fargo. I have had trouble with them before ( and have put XXXX  complaints against them before ) but this last incident is so bad I need to write to the CFPB. I misplaced my credit card one Friday evening. I contacted Wells Fargo to see what the last charge was on the card that day to know if someone had received my card. They wouldn't tell me. I finally decided to give up and hung up. I found the card the next day. I tried to use it but the charge would not go through. I called Wells Fargo to find out they locked the card. WITHOUT MY PERMISSION. Then they would not unlock it until I drove to a branch and gave them my drivers license so they could keep and image of it on file. I refuse to let them take a image of my drivers license and keep it in their files. That puts me at great risk for identity theft. They tell me they will not send me an credit on the account, so they have decided to keep my money against my will. Also, when I was on the phone with them, they would switch me to multiple departments and put my identify at risk multiple times as for each department they wanted to re-verify me. And they had no intention of unlocking my account so I was put at risk for no reason!!
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 tak-timely and effective measures to prevent : 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 ( 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 ar address fraud on their platform, leaving m 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 card or prepaid card

I have requested a credit line increase 12 times since 2021 and a lot more times before that. I have called and asked and they say I need to talk to credit analyst because they go through a third party to approve or reject credit increases. I have solved issues that they have given me for reason of being rejected such has not using my account enough. I have used over 100 % of my limit by paying it off early. Then they give me other reasons why I am being rejected.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I am a natural person, consumer writing this complaint and not a credit repair company. 
Thank you for taking the time to review my complaint. 
It has come to my attention that if any individual or company uses your no public personal information to create an account, thats identity theft. 
I am writing today related to an account listed on my consumer report. While reviewing my report I noticed an entry made by National Credit Systems for the amount of {$2300.00}. I disputed the item attached on Monday XX/XX/2022. Following the dispute National Credit System deceptively attempted to settle this alleged account for {$1200.00}. I did not respond. 
I have never initiated any transaction with anyone employed by National Credit Systems nor gave this company permissible purpose for any account to be furnished on my consumer report pursuant to 15 USC 1681b ( a ) ( 2 ).

The reporting of these account is/are violations of 15 USC 1681a and also constitutes identity theft. 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Send me every document pertaining to this entry used to validate this debt, including, a summary of rights, verifiable proof of contract, Complete account history, including any additional charges added, names, addresses, and phone numbers of everyone contacted during your reinvestigation. The FCRA says that these companies has to tell me this in 15 days if I ask. Also, what is the date of the commencement of delinquency? Dont provide the generic 7 years response. I am aware of that. Tell me specifically when this account allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So which is it? 
I refuse to pay this debt, pursuant to 15 USC 1692c ( c ). I wish to terminate all further debt collection efforts related to this entry with National Credit Systems, XXXX, XXXX, XXXX, through all mediums except by mail. I also wish that this alleged account be sent back to the creditor immediately. 



In the absence of information mentioned above, I demand this entry be deleted immediately from all consumer reporting agencies. 
This damaging entry has only added to my emotional distress and anxiety and decreased my credit score. I appreciate your prompt response to my concern.
Product: Checking or savings account

I have issued a check in XX/XX/XXXX in the amount of {$1300.00}. The payable party notified me in XX/XX/XXXX that he never received the payment. My bank, Citibank, showed payment cashed and copy of check has no endorsement signature. Below is the timeline : XXXX - reported to Citibank that my check was cashed without endorsement XX/XX/XXXX - received affidavit from Citibank which I completed it and returned by email on the same date. 
XX/XX/XXXX - I follow up with Citibank by phone and was told they didn't receive the affidavit so I immediately sent it while I was on the phone. 

I have been calling twice a month since XXXX and I kept receiving the same message, Citibank " back office '' is waiting for XXXXXXXX XXXX to reply. I requested to Citibank credit me while the investigation is going on since Citibank released my money when there was no endorsement on the back of the check. Today is XX/XX/XXXX and I still haven't receive a credit from Citibank. Each time I want to escalate this to a higher hierarchy, they tell me there is nothing they can do and disconnect me or just disconnect without any word. 

I would like Citibank to credit me in full while they investigate. If my life depends on this money, I would be homeless and starved. Please help me to get my money back and hopefully to have Citibank provides better service to their customer. 

NOTE : I have copy of the check & affidavit but they have my information so I will not attached to this compliant. I am only attaching the emails that show the time when I sent in the affidavit.
Product: Money transfer, virtual currency, or money service

This complaint involves Bank of America ( BOA ) and my bank, XXXX XXXX. 

On XXXX I Wired ( via XXXX XXXX XXXX  XXXX {$53000.00} to Bank of America account XXXX 

On XXXX, I received a call from BOA Client Protection XXXX fraud investigator. She interviewed me on a recorded line, and told me the account I was trying to wire to was a possible fraud account. She also told me that I should receive my funds back to my account within XXXX weeks of that call. I received that phone call on XXXX between the hours of XXXX XXXX 

After not receiving my funds back, I went back to my bank ( XXXX XXXX ) to initiate a recall of the wire on XXXX. This was to no avail. XXXX XXXX has tried a few times to get the funding back from BOA, but they are not responding to the request. And XXXX XXXX is just " waiting for BOA to return the money '' without other follow up. I do have paperwork with account information as well as wire information that I can share upon request.
Product: Credit reporting or other personal consumer reports

My credit limit was raised from {$2500.00} to {$3500.00} for my XXXX XXXX Account in XX/XX/year>. I submitted disputes to Equifax, and have been calling them directly to update the XXXX XXXX Account with all of the correct information. I have also called " XXXX XXXX, '' so many times that I can't even count the total number. I have submitted documents to Equifax and XXXX XXXX, but each company says that it's the other company 's fault. In Equifax 's credit report dated XX/XX/year>, the " historical Account XXXX '' Equifax shows the correct information for XX/XX/year>, but in XX/XX/year> the information was changed back to what's listed for XX/XX/year>, in the XX/XX/year> box showing " last payment made '' Equifax reports it as " XX/XX/year>, '' but for XX/XX/year> they ( Equifax ) inserted, verbatim as " last payment made as XX/XX/year>. '' Equifax literally inserted information as if for XX/XX/year> we went back in time and posted XX/XX/year> 's information. I have tried over and over again to have this account reported correctly, but to no avail. I am fighting Equifax and XXXX XXXX to fix this, and have been lied to and given the run-around. Neither company seems to want to take responsibility for this account 's correct reporting. Equifax has hung up on me several times, and XXXX XXXX doesn't seem to be doing anything about it. This is unlawful, and possibly " credit report manipulation '' is taking place.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXXXXXX XXXX account # XXXX, Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.
Product: Credit card or prepaid card

On XX/XX/2020 CqpitalOne decreased my credit limit from {$6500.00} to {$1500.00}. I have been a loyal client and have on recurring charge on the account every month {$2.00} plus tax for a total of {$3.00} every month. Other than that I do not use the card or make any other charges. I have a perfect payment history with them and my credit score is good and has not changed to warrant a decrease. I make over $ XXXX a year and I am salaried and an essential worker during these times with no risk of losing my job that I have had for over 9 years. My credit score is going to be harmed due to CapitalOne reducing my credit limit for no fault of my own because my available credit is going to decrease by $ XXXX naturally making my credit usage percentage increase and also showing my available credit as a decrease. I contacted CapitalOne directly to see if they would restore my credit limit and they told me due to current economical times they would not. This is extremely unfair to me as I have good credit that will be damaged because I decided to do business with this terrible company. Again, salaried over $ XXXX per year, long term client, active account with very small recurring purchase, perfect payment history. CapitalOne choosing to decrease credit line due to no fault of my own and damaging my credit score. Extremely unfair. I would like my credit limit restored. Thank you.
Product: Credit reporting or other personal consumer reports

Contacted company on XXXX or XXXX and agreed to a payment plan to keep card payment up to date, however on XXXX, they subtracted XXXX points from my credit score for delinquency payment, even though the company and I agreed on this plan, this is outrageous.
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.

Account Name : XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 card

Bank of America offered a 15 % cashback deal on their website if a purchase was made by clicking through their link and making an online purchase at XXXX XXXX XXXX XXXX. I activated the deal and made an online purchase of {$69.00} by clicking the link on the Bank of America Website. The offer was valid from XX/XX/XXXX to XX/XX/XXXX. I made the purchase on XX/XX/XXXX on it posted on XX/XX/XXXX. I never received my rebate of {$10.00}. I called in late XXXX to resolve the situation and the Associate told me that she would submit an inquiry to see why I did not receive it. On XX/XX/XXXX I contacted Bank of America again and the Associate informed me that the first Associate never followed through on my request. The second Associate gave me a reference number XXXX and told me that she would submit an inquiry to resolve the situation by XX/XX/XXXX. On XX/XX/XXXX I contacted Bank of America to see why I had not received the rebate and the Associate told me that he would have to submit another inquiry to see what happened. The reference number was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd time that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on some account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

XXXX XXXX XXXX XXXX Open Date : XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  XXXX 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.