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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$920.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed item is entirely inaccurate and incomplete and represents a very serious error in there reporting.
Product: Credit card or prepaid card

I talked with the manager @ XXXX, located @ XXXX XXXX XXXX XXXX, Virginia XXXX XXXX, round our about : XX/XX/2018.. because I was having trouble activating the new card they gave me for employment,.,, The manager called the corporate office and they told me to give them my physical address so they could release my funds,, so I gave the manager the information,, They next day I tried checking my balance online with XXXX   and I was told that the email and passwords entered on my pay card did not match there records. and were not my emails.. so my card, had somebody elses email on them, I contacted XXXX corporate office,,   and they said they might have given, me the wrong card. So the same day I tried checking my balance.. about XXXX XXXX and a $ XXXX transaction was made for a XXXX XXXX  that was not mine,, so I called XXXX County sherifffs offci , officer badge # XXXX, and reported the identy theft,,, - and then I did a ftc.gov- report.-online for credit card theft
Product: Debt collection

All information contained in or on my credit report is wholly inaccurate based upon the following reasons : None of the documents or information bears my signature, nor have I consented for such information to be permitted. Therefore, all information contained in or on my credit report, is not only erroneous, but " illegal. '' Based upon these facts such information shall be deleted or hereby removed, as it was NEVER permitted by me, nor signed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ACCOUNTS XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$440.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$27.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please.
Product: Debt collection

I was with XXXX for over 10 years but because they were charging me almost {$200.00} a month, I decided to switch to XXXX XXXX XXXX. I made the switch in XXXX of 2018 and I owed them an equipment balance of about {$200.00}. I am college student who finds it hard at times to afford gas but I was saving up to pay off that balance. Early this year, I received notification that the balance had gone up to a whopping {$650.00} which is more than double the amount I was going to pay. Once this hit my credit about two months ago, my score dropped significantly. I reached out to the company and not only were they rude but they told me I would have to pay the complete balance then and there. They also told me that they would not provide written proof that the debt was paid off which makes absolutely no sense.
Product: Credit reporting

I have asked via certified letter to validate accounts with XXXX, XXXX XXXX and XXXX XXXX XXXX to no avail. My response was " account verified ''. 

However, I specifically requested documents with all details pertaining to said accounts, with balances, payments, contract, etc and I received nothing other than the response from the bureau that according to the creditor, the account was verified. None of these accounts were legally validated.
Product: Money transfer, virtual currency, or money service

Someone stole my phone while I was sleeping and use my fingerprint to withdraw cash from cash app account and they said it was my fault
Product: Credit reporting or other personal consumer reports

Request for Account Removal and Clarification Dear Sir/Madam, I am writing regarding an account that has been reported as charged off but continues to appear as open on my credit report. The account in question is XXXX XXXX. This inconsistency is misleading and damaging to my credit profile. An account can not simultaneously be charged off and remain open, as this creates a false representation of my financial obligations. Additionally, I did not authorize the transfer or sale of this account to a third-party collection agency, named Jefferson Capital System LLC . For these reasons, I am requesting that this account be removed from my credit report immediately. Please confirm the following in writing : 1. The current status of the account with Jefferson Capital System LLC. 2. Whether Jefferson Capital System has legal ownership of the debt. 3. Verification that this account has been accurately reported by Jefferson System Capital LLC. I trust you will address this matter promptly and provide a response within thirty days. If this issue is not resolved, I will have no choice but to escalate the matter by disputing it directly with the credit bureaus. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 bankruptcies on my credit report and over 115 inquiries on each report due to identify theft. 
Transunion experience, eqifax, XXXX and l i, i did not disclose any personal information to these companies for any reason, nor did the bankruptcy court or my attorney. We sent letters of expungement from the courts on XX/XX/2023 for them to be taken of my credit report all companies have failed to do so. They are violating my rights as a consumer, And under FCRA. Can you someone please reach out to these companies Transunion XXXX XXXX XXXX XXXX And have them to remove all 3 bankruptcies off of my credit report XXXX  XXXX XXXX  XXXX XXXX  XXXX
Product: Prepaid card

I was scammed out of {$100.00} I had transfered money for a product from an individual and never received the product contacted cash app support was told to go to the Scammer for a refund filed with the fdic was told File here after I filed my complaint all of a sudden my account was closed due to breach of services
Product: Credit reporting or other personal consumer reports

Edfinancial did not verify any information against credit reports to truly verify the identity of a consumer. I have called them on multiple occasions to get them to fix their information and even told them that what was done was fraud. They never resolved the issue and I have contacted them beginning in XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash App- To some up my experience with cash app it started well it was easy to transfer and add and deposit funds for the first year I used it. After that I began to notice I was not able to access funds at certain times and my app would close when I tried to withdraw or transfer funds. This put me at a huge disadvantage when trying to pay bills such as rent or utilities as well as me trying to sell crypto or stock I had stored on the app. I tried reaching out to the company several times but always got a kickback saying email invalid. I think its very poor customer service to not have live agents or a phone number that can be called when money is involved and your clients cant access it.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account XXXX : XXXX  # XXXX - Date Opened XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom this may concern my identity was stolen and the thief try to apply for several credit cards using my social security number and my name I did not authorize this transaction they have totally ruined my credit score it has calls such a major heartache on me financially and  mentally can someone please assist me and having these removed from my credit this was put on there as a hard inquiry and I would like to have that hard inquiry removed please I would very much appreciate some assistance Creditor Contact Details XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Creditor Contact Details XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Creditor Contact Details XXXX Inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint is being filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, as the credit reporting agency, block the information appearing on my consumer credit report that is the result of identity theft and fraud. This action should be completed within 4 business days of receiving this complaint. 

The following is a summary of the fraudulent activity : **Credit Card Fraud : ** - **Account 1 : ** XXXX XXXX XXXX XXXX XXXX **Date Opened : ** XX/XX/XXXX - **Account Number : ** XXXX - **Amount : {$2200.00} - **Details : ** This account was opened fraudulently under my name. I did not apply for this credit card, and I had no knowledge of this account until it appeared on my credit report. 

- **Account 2 : ** XXXX XXXX XXXX XXXX XXXX **Date Opened : ** XX/XX/XXXX - **Account Number : ** XXXX - ** Amount : {$11000.00} - **Details : ** Similarly, this account was also opened without my authorization. I did not apply for this credit card, and it was only brought to my attention through my credit report. 

- **Account 3 : ** XXXX XXXX XXXX XXXX  - **Date Opened : ** XX/XX/XXXX - **Account Number : ** XXXX - ** Amount : {$640.00} - **Details : ** This credit card account was opened fraudulently. I did not authorize or apply for this account. 

**Loan Fraud : ** - **Account 4 : ** XXXX XXXX XXXXXXXX ( Auto Loan ) - **Date Opened : ** XX/XX/XXXX - **Account Number : ** XXXX - ** Amount : {$16000.00} - **Details : ** This auto loan was opened in my name without my knowledge or consent. I did not apply for or authorize this loan. 

- **Account 5 : XXXX XXXX XXXX ( Personal Loan ) - **Date Opened : ** XX/XX/XXXX - **Account Number : ** XXXX - ** Amount : {$530.00} - **Details : ** This personal loan was also opened fraudulently. I did not apply for or authorize this loan. 

These accounts have led to multiple fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question, along with a copy of the consumer FICO credit report maintained by Experian, which shows the fraudulent items mentioned above. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me, and all are the result of identity theft and fraud. 

To support my claims, I have filed a police report with the XXXX Police Department in Florida regarding this identity theft and fraud and have attached a copy of the report for your reference. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I have hard inquiries on my credit report and I have old accounts that shouldn't be on my credit report no more why they haven't been removed
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian are not holding up to the law ( 30 day demand to comply ). I sent in disputes, and they are not getting back to me with the results of my investigation.
Product: Credit card

Wells Fargo closed my credit card account and took my cash back rewards away. This was over {$6000.00} in cash back. I want to settle this without getting lawyers involved.
Product: Prepaid card

On XXXX tried using the card across multiple cant use the card online getting decline messages. Checked Amex site it shows every transaction as declined even though I have more than enough available funds.  Card is useless.
Product: Credit reporting or other personal consumer reports

i have file this dispute XXXX  times and they are keep saying the Elan Financial services verfied that information is correct This item remained unchanged from our processing of your dispute in XX/XX/year>. 
I have letter that show they removed all my charges becouse my card was stolen.
Product: Credit card or prepaid card

I was rejected for a credit card with Citibank on XX/XX/20 the following statement : " the credit privileges on your existing accounts are currently restricted. '' As I understand the FCRA, companies are required to provide a reason for denial of credit. This so-called reason provides NO useful information as to what about my credit score or credit history caused me to be rejected, nor anything regarding what needs to be changed in order to qualify for the card. It also sounds most ominous as regards the continued use of my existing cards. I've had no prior rejections, have three cards currently active with them, each of which I auto-pay in full on time, and I've used cards from them for several decades. Up until that notice, there has been no indication of any difficulty with my accounts. 

I called Citi to seek clarification and, despite over an hour on the phone on multiple calls, received no further information, just getting ping-ponged between different customer service reps who could either tell me nothing or merely parrot the useless phrase above. I reported this problem in my response to an emailed survey from Citi, and I left a note about it in their online Chat, but I have received no response to either of those as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER 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 : XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX Balance {$10000.00}
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 this violences.
Product: Credit reporting or other personal consumer reports

I've been living my entired life in Michigan and never had an issue with credit reporting or id theft, I've got a notification from National Public Data In a significant breach, the hacking group USDoD claimed to have stolen personal records, including Social Security numbers, and ever since I've been getting so many hard inquiries in my credit report, I've only got my mortgage and a couple of cards XXXX from XXXX XXXX  and XXXX from XXXX XXXX, you can easily tell by reviewing my credit history, I went to XXXX to report that they gave me instruction to call the major credit reporting companies which I did but nothing happened, and I am still dragging a bunch of inquiries and they keep popping up now and then. Is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the following accounts on my credit report that are inaccurate and was informed that after an investigation the accounts have not been deleted even though according to USC 15 1681 inaccurate items must be deleted by law. How is it impossible that these accounts were properly investigated when they are still not reporting at least 100 % accurate across ALL 3 AGENCIES ( XXXX, XXXX, and Equifax ) as required by law. Please delete these accounts IMMEDIATELY as they are still violating my consumer rights. 

XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I never recieved any response from the bureaus. PLEASE BEEN DISPUTING THIS ACCOUNTS AND INQUIRIES SEVERAL TIME. I DID'NT RECIEVED ANY RESPONSE FROM YOU. PLEASE MAKE AN ACTION IN THIS CASE NOW! OR ELSE I WILL FILE A LITIGATION. HERE 'S THE LIST XXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$2300.00} XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX, XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Demand to opt out indefinitely. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. XXXX and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data.

Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as XXXX and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to XXXX, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon. 
Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet XXXX and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which XXXX and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.