23daVinci/CFPB_Complaints huggingface dataset:
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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

I just pulled my most recent credit report and noticed errors reporting on my credit file
Product: Checking or savings account

Hello. I've tried to resolve this with XXXX and bank of america, but neither will refund my money, just under {$260.00} XX/XX/XXXX I went on XXXX  to purchase a sonos amp. I clicked " ask '' in the app, but it didn't work. I got an error message. So I submitted an offer in the XXXX app and it went through. I sent a text message saying i put an offer in via XXXX. the gentleman ( name in XXXX XXXX is XXXX XXXX ) was driving to XXXX  XXXX to ship the merchandise. He sent me pics of XXXX XXXX  and a XXXX XXXX receipt. 


He said he couldn't get XXXX to work and if I'd send him the money through XXXX. Since he gave me receipt and I had an issue with the XXXX app, I thought we has telling me the truth. I sent them money via XXXX and asked him to confirm. He confirmed it was him, but came back and said his XXXX app was hacked and to send it to his wife 's account. I said no. 


He threatened me a couple of times, but I said I won't resent the money. I went into XXXX to chancel the txn. there is way to do this in the app, but it said it wouldn't work. I called XXXX and they told me I have to go through Bank of America. I couldn't get a hold of XXXX XXXX, since it was Sunday. 
I called XXXX and the told me the address on the fXXXX receipt doesn't exist. 


I followed the XXXX instructions and reported the person. they said they couldn't help. I emailed them again ( they have no phone ) and said the same person is on there under multiple names doing the some thing. still nothing from XXXX. 

I saw where BofA refunded consumers of XXXX due to fraud. WHen I asked BofA, he told me the circumstance are irrelevant. they don't have to refund me, if it's fraud. 

I called the local police and they said they can't help since it happened online I have several screen shots of the texts, XXXX XXXX bid, email addresses and names.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple endeavor to tell Transunion that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act these unknown account must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please assist me with the negative items on my report. I have already provided the XXXX requested documents, along with the dispute letters and details of the specific accounts I want removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I directly contacted Equifax to request a copy of my Credit Report to be mailed out to me. I do not have access to my credit report online for disputes or viewing. Whenever I call this company, I am transferred to Consumer Affairs only to be told that this is the highest level of escalation. On this day, I spoke with XXXX. I requested for him to mail me a copy of my report as this is the only way I have access to my credit report due to the company 's unethical practices. I was then advised by XXXX that I needed to sign up for their credit monitoring services. I advised him that I had no desires to sign up with any services with this company because I do n't trust them. He refused to mail me a copy of my report. 
I have filed numerous complaints in which my issues have not been addressed, in fact the company failed to respond to my complaint with the Georgia Department of Law. 
It has been publicised in the news that this company was negligent with not just my information but everyone 's information and they have experienced a breach which compromised many consumers personal information. The time that this breach occurred is the time in which I received multiple fraud and extended fraud alerts added to my credit file without my request by this company. 
I, unfortunately, sent in copies of the information requested by this company such as driver 's license and social and will not be doing so again since they do n't know how to keep my information safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on a payment plan with Target. Where they took my bank acct info and were taking payments out every month automatically. I noticed that they suddenly stopped taking the payments out of my account. I called them and they said they reported me 30 days late because I had to re-set up the payment plan. No one notified me that I needed to do so, or let me know what they payment plan was about to expire to call in and renew it. I have since renewed it and they are taking the money, however I do n't think it is fair that they reported me late when they had the control of my bank to take their payments.
Product: Checking or savings account

It is very concerning to me that since on or around XX/XX/year>, I have been unable to withdraw any fund from my Online Savings account with Marcus by Goldman Sachs. While I was able to make a deposit to the account via an XXXX  transfer, I have not been able to make any withdrawal. 

I have contacted the bank for several times and spent hours speaking to a number of representatives, including long wait time when placed on hold, in the past XXXX days or so ( even since I noticed the issue ). However, none of the representatives I spoke to was able to provide any clear or meaningful explanation on what has happened. Nor could they identify any cause of the issue. Needless to say how to fix the issue. I tried to have the bank representative help make a transfer over the phone in a small amount, but even that attempt was not successful. It simply went nowhere and no one seems to have a clue about why that happened. 

Marcus by Goldman Sachs has failed to provide professional banking service. As a client, I deserve to know what happened and how they are going to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 became aware of my identity theft in some time in XXXX. I saw various accounts opened under my name. I plan on disputing these accounts and sending this report to the three major credit bureaus. I have no association with these accounts or had any knowledge of them being opened until XX/XX/year>. According to the FCRA, any inaccuracies or misinformation on my credit report must be removed immediately. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There were several people who were involved in this scheme. Also I was a victim of identity theift and internet scam and hacking several banks and medical information also. I am getting bills asking for money for bills. Over charging for phone services. This is not all of what has been done.
Product: Debt collection

First of all all the information that is on my credit from assetcarellc is not accurate its not me and I never had an account with these people I do not owe them anything I had a family using my identity stole my id and was using it and Im not sure if that has something to do with it but this shud be removed I do not know what this is there is no PROOF that I owe this money at all please remove it
Product: Prepaid card

I received an AMEX XXXX card to the amount of {$1500.00} USD from a client who resides in NY XXXX on XX/XX/2023. AMEX advertised this gift card as " you can shop online or at stores ''. Since then, I have had no luck trying to use this gift card online aside from a few merchants where I had to call the merchant and get them to put through the gift card manually. Anytime I tried to purchase an item online, the transaction gets declined even though I had more than enough balance on the gift card and have entered the security code and expiration date. This happens to big merchants like XXXX and smaller merchants as well. I can confirm that all these merchants accept AMEX as a payment method. Attached pdf contains just a portion of the declined charges that are on the gift card as the merchants can not process transactions due to AMEX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX took a line of credit with thXXXX XXXX  through XXXX XXXX his sister in law..I have to report identity theft. XXXX west XXXX XXXX in XXXX XXXX, WA is on my tax ID.. 

Looks like the mortgage statements have come to XXXX XXXX XXXX XXXX XXXX, WA XXXX 

My credit report also shows these two individuals have opened lines of credit using my SS and DL excesively.XXXX XXXXXXXXXXXX XXXX is where she works..I have attempted to report this as the XXXXXXXX XXXX XXXX XXXX XXXX allow both individuals rent XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  in my name.. I did not consent to this.. 

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

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. NAME / ACCOUNT NUMBER 2. NAME / ACCOUNT NUMBER 3. NAME / ACCOUNT NUMBER 4. NAME / ACCOUNT NUMBER As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THROUGH THE INFORMATION IS CORRECT.
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 Bureau 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 : Account name : AFFIRM XXXX Account number : XXXX Account name : XX/XX/XXXXXXXX Account number : XXXX Account name : XX/XX/XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX Account name :XX/XX/XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX Account name : XX/XX/XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Inquiries : XX/XX/XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Vehicle loan or lease

I XXXX XXXX IN XXXX OF XXXX SOLD A CAR TO CARMAX. CARMAX GAVE FAIR PRICE FOR MY CAR AND I DECIDE PUCHASE ANOTHER CAR FOR MY DAUGHTER FROM CARMAX. CARMAX OFFER 30 DAY RETURN OR EXCHANGE POLICY. I GOT XXXX XXXX XXXX WITH MONTHLY PAYMENT OF LESS THAN {$500.00}. 
WEEK LATER I DID EXCHANGE TO A BETTER VERSION AND HIGGHER MODEL. SALES PERSON WHO HELP ME, ASSIST ME TO FIND XXXX XXXX XXXX WHICH I LIKE IT. NEW CAR PRICE IS {$2000.00} LESS THAN PREVIOUS CAR 'S PRICE, PAPER WORK FOR RETURN AND NEW VEHICLE PURCHASE REDONE. UNFORTUNATELY NEW MONTHLY PAYMENT WENT UP TO {$550.00}, I ASKTHE GUY WHY IS NEW PAYMENT HIGH? - DIDN'T GET PROPER ANSWER. WELL I KEEP FORWARD, GET THE CAR WITH INTEREST RATE OF 12.95 % AND {$550.00} MONTHLY PAYMENT. 3 MONTH LATER I CALLED CARMAX FINANCIAL TO FID OUT INTEREST CHARGE OF MONTHLY BILL -WHICH BECOMING OVER 40 %. CARMAX REPRESENTATIVE GAVE SOME EXPLANATION, AFTER I STOPPED AT XXXX CARMAX LOCATION FOR BMORE ANSWER -NO RESULT. ON XX/XX/XXXX I CALLED CARMAX FINANCIAL ASKED FOR MANAGER - HE SAID WHEN I'M NOT ON TIME, THERE'S DAILY FINANCE CHARGE. I ASK -WHY THERE'S FINANCE CHARGE PLUS DAILY FINANCE CHARGE AND I NEVER LATE, ALWAYS MAKE PAYMENT ON TIME. AFTER MY CALCULATION THIS XXXX XXXX XXXX WHICH AT THE TIME OF PURCHASE IS {$22.00}, AT LEAST {$10.00} OVER THE PRICE. THE PRICE AT THE END IS BECOMING CLOSE TO {$40.00} WHEN I PAID OFF. PLEASE HELP ME TO SOLVE THIS ISSUE.
Product: Debt collection

XX/XX/2022 XXXX removed debt collector for failure to validate. 
Debt Collector has reported false debt on XXXX XX/XX/2022 & XXXX XX/XX/2022. 
Debt collector continues to avoid validating debt. **** Futhermore Debt collector is hiding original creditor information in reports to avoid validation. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX - XXXX XXXX XXXX 15 USC 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer reporting agency can not furnish account without my instructions
Product: Debt collection

I received an email alert from a credit monitoring company about a new item on my three major credit reports. There is a collection company named The CBE Group , Inc. located at XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX, IA XXXX, which reported an account in collections. This company never notified me of said debt. They have never given me verification of the said debt but reported to XXXX, XXXX and XXXX   unlawfully.
Product: Payday loan

Applied for XXXX dollar loan lende wanted 24 payments of XXXX paid back to them. 
Big rip off over XXXX dollars for only XXXX loan.
Product: Debt collection

This complaint is a followup to complaint # XXXX Upon review of the documentation you provided as alleged verification of the debt, I must inform you that a simple bill from Frontier does not meet the required legal standard for verification under the Fair Debt Collection Practices Act ( FDCPA ). To lawfully validate a debt, you must provide detailed documentation that clearly establishes : 1. Proof of the original contract or agreement between the consumer and the original creditor. 
2. A detailed account statement showing the breakdown of the amount claimed, including any fees and charges. 
3. Evidence that Eastern Account Systems is authorized to collect this debt on behalf of the creditor.

4. Proof that I, specifically, am the individual responsible for the alleged debt. 
As of this communication, you have not provided adequate documentation to verify any of the above requirements. Simply providing a bill is insufficient as it does not prove that the alleged debt is mine or that the amount is accurate and owed. 
Under the FDCPA, consumers have the right to dispute inaccurate information and ensure that any data reported to credit bureaus is accurate and complete. The failure to properly verify the debt and continue collection activity without proper verification is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX. I misplaced the card, which was necessary to pay the bill earlier this year. I contacted XXXX XXXX to make a payment and request a card in XXXX XXXX. The card never came so I did the same thing in XXXX and then again in XXXX. In XXXX I made arrangements to have it auto pay. This did not happen. I found out by seeing a negative mark on my credit in XXXX XXXX. 

I contacted XXXX XXXX. They got me the card finally. I was able to log into my account and put it autopay. I contacted them and they agreed to have the 30 day late mark removed from my accoun, given the efforts I had to go through to resolve, what could have been a simple issue. XXXX XXXX did contact the credit unions. I think XXXX  was the reporting credit union. 

XXXX refused to remove the 30 day late mark. I requested an investigation. They are saying it is compliance with FCRA, despite both XXXX XXXX and I disputing this reporting. 

The other credit unions also refuse to remove this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a 100 % XXXX veteran. I applied and was awarded a XXXX discharge for my federal student loans. All three of the credit bureaus are reporting all of my federal student loans as " Payment status : Collections/chargeoff ''. I have disputed this information with the bureaus and they state they investigated it and I even supplied them with a copy of the XXXX discharge.
Product: Debt collection

I am writing to formally dispute and request validation for XXXX or more collection accounts appearing on my credit report. I believe these accounts may be inaccurate, and I am requesting that the debt collectors provide proper documentation to verify the validity of these debts. Under the Fair Debt Collection Practices Act ( FDCPA ), I request the following : XXXX. Full validation of the alleged debt, including an itemized breakdown of the amount owed and any fees or charges applied. XXXX. Proof that the collection agency has the legal authority to collect this debt, including documentation of assignment or transfer. XXXX. The name, address, and contact information of the original creditor. Thank you for your attention to this matter. I look forward to a prompt and thorough resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past XXXX  months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of Method of Verification Requests were ignored by the company since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and incomplete information on my credit report that has been reported by XXXXXXXX XXXX. Below are the details of the issue : 1. Both XXXX and XXXX reports show the correct balance information of {$65.00} as of XX/XX/2023 update, while XXXX is showing incorrect/old balance information of {$0.00} as of XX/XX/2023. 

2. Despite repeated attempts to contact XXXX XXXX, I have not received a satisfactory response, and my dispute has been ignored by them. 

3. I have also filed multiple disputes with Experian, but each report has been returned with the same unfixed and improper response for SIX TIMES, stating that the information reported by XXXX XXXX is accurate. 

4. As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit card companies to investigate any disputes and to correct or delete any inaccurate, incomplete information within 30 days. However, XXXX XXXX has failed to comply with this law, and returning the dispute with unfixed incorrect information does not count as a resolution. 


I demand that the CFPB investigate this matter and take appropriate action against XXXX XXXX to correct the inaccurate and incomplete information on my credit report. This situation has caused me significant stress and inconvenience, and has also negatively impacted my credit score.