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

Equifax security was breached and my personally identifiable information was stolen.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX XXXX account # XXXX was paid off XXXX XXXX is violating my rights. 

15 U.SC 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds withing XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation.
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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : 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: Checking or savings account

The XXXX XXXX/Cashapp has not responded in a timely manner to any of my request for customer support regarding a transfer I made from another financial institution. Hello have blatantly been ignored and given no explanation about my funds. I made a small transfer on XX/XX/XXXX for {$5.00} and it was available on XX/XX/XXXX. 
On XX/XX/XXXX I made two separate transfers of {$48.00} and later {$300.00}. The funds did not post to my account with XXXX XXXX/Cashapp as of XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX I repeatedly tried reaching customer support only to be told that they will get back to me within 24 hours, So far I received and email from an agent requesting more information. I provided the requested information and more then the agent ignored all further attempts of contact.
Product: Credit reporting or other personal consumer reports

i wrote to DISCOVER BANK on the XXXX XXXX XXXX so about XXXX weeks ago now, and have not received any correspondence back about my issue of some law violations regarding transaction history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This investigation has taken longer than XXXX days and is hindering my ability to obtain housing, credit, financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit file on XX/XX/XXXX, I noticed that several issues with my credit file that are affecting my ability to qualify for housing, reasonable financing terms, credit cards, and it is painting a false picture of my character. On the personal information section of my credit profile, I noticed that my middle name is not on my credit profile. This is a problem for me because one, the other bureaus have my entire full name on my credit profile and two, someone with the same first name middle initial and last name could do things in my name. I also noticed that the employer listed on my credit file is not my current employer. And my full date of birth is not on file it just has the year. I also noticed that there is something odd with the address. XX/XX/XXXX should not be there. This is really interesting because now I am questioning the past investigation that were done. It is to my understanding that during an investigation you are supposed to verify the employer, my date of birth and address to conduct an accurate investigation. How could your investigation be accurate and done correctly if my credit file lacks the accurate employer, accurate date of birth and accurate address? That means that you did not have the necessary information to conduct an accurate investigation. 
Moreover, I would like the following late payments removed and all student loan accounts to be removed from my credit file because it is in violation of consumer law 15 USC 1681b ; 1 ) XXXX XXXX ( # XXXX ) XXXX XXXX 30 days late Have a goodwill adjustment from company stating to remove all late payments 2 ) XXXX XXXX XXXX XXXX ( # XXXX ) XXXX XXXX 30 days late Have a goodwill adjustment from company stating to remove all late payments 3 ) XXXX XXXXXXXX ( # XXXX ) XXXX XXXX 30 days late In violation of consumer law 15 USC 1681B Has no permissional purpose being on my credit file and is affecting my ability to qualify for housing, reasonable financing terms, credit cards, and it is painting a false picture of my character. 

4 ) XXXX XXXX XXXX ( # XXXX ) XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX30 days late XX/XX/XXXX -- 60 days late In violation of 15 USC 1681b, and 15 USC 1666b ( a ). I would also like to enact law 15 USC 1637, sub section 1. I would like a material disclosure of the fianc charge for this account. 

5 ) XXXX XXXXXXXX XXXX XXXXXXXX ( # XXXX ) XXXX XXXX 60 days late In violation of 15 USC 1681b, and 15 USC 1666b ( a ). I would also like to enact law 15 USC 1637, sub section 1. I would like a material disclosure of the fianc charge for this account. 

For the XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) accounts I have letters from the companies illustrating their permission of having all late payments removed from my account as a courtesy. The late payments on XXXX XXXX ( # XXXX ), XXXX XXXX XXXX ( # XXXX ), and XXXX XXXXXXXX XXXX XXXXXXXX ( # XXXX ) are all in violation of consumer law 15 USC 1681b and 15 USC1666B ( a ). I would also like a fianc charge for the aforesaid accounts ; 15 USC 1637.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that CAPITAL ONE unlawfully reported an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

Due to the recent data breach I was affected. My personal data was shared on the dark web. I would like these items to be removed off my credit history.
Product: Credit card or prepaid card

On XX/XX/XXXX, My mother assisted me with opening an account to help with XXXX  XXXX. My account was approved immediately, and on XX/XX/XXXX, I used the card to pay the remaining balance on the day of XXXX to XXXX XXXX XXXX XXXX The XXXX  office submitted my personal and driver 's license information to Care Credit when they charged my card funded by Synchrony bank. 

Today we learned that my date of birth was entered incorrectly, preventing me from accessing my account or creating an account. When we called to inquire, the Synchrony representative only verified the last four digits of my social and Care Credit Card and date of birth, which was incorrect. They would not allow me to correct it online, even if we inadvertently entered my mother 's DOB or sister 's DOB, or confirm that was the case. The Rep or Supervisor did not verify my address, the purchase, or other information. Claiming they were protecting my security and personal information, but the only option to verify my identity was to mail my driver 's license ( 3rd party since I do not have a fax ). When you call Care Credit, owned by Synchrony, providers have an option so if they want to verify or update my information, there are other ways instead of putting my identity at risk by faxing or mailing. 

Supervisor XXXX also suggested to my mother to email a copy of my driver 's license through my account since she agreed the two options were a huge risk. I challenged her when I pointed out the account was approved with an incorrect date of birth and used, and now they are making it difficult for me to correct the issue and access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed with capital one and information came back with an address that didnt bong to me ( belong to ex ). never received any information on account that was closed out/charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

Can you please help me to resolve this matter. XXXX found out on my consumer file that LexisNexis has furnished a Bankruptcy on my credit file and illegally shared the file with XXXX XXXX XXXX and XXXX. This was done without Permissible Purpose and has violated my right to privacy. I have contacted the Municiple Court and they have stated they did not shareb this information with Lexis Nexis. With this Bankruptcy being on my account I have lost personal funding opportunities for me and children to purchase a home. I have called Lexis Nexis numerous times and emailed thier CEO XXXX XXXX. They refuse to do anything about it. They have me on hold for a long period of time and then hang up on me. Please help me with this matter.
Product: Credit card

A card was open without my authorization. I never signed up for Citi card {$10000.00} was used and it is showing on my credit report. This was not done with my approval. I have filed a complaint on XX/XX/XXXX of 2024, I filed a police report. I informed Credit companies and locked my credit. I keep getting the runaround. I am now getting calls every other day asking for payment. The only reason why they have my number is because they updated it three weeks ago when I asked them how they were going to contact me because I havent heard anything since XX/XX/XXXX and I kept having to call them, I am not getting anywhere with this company due to the fraud that was done and my credit score is dropping tremendously over something I never did. I dont have the credit card number or account number. This was never sent to me. I am not aware of the charges that are on this card. This card was never in my possession and I never asked for it or signed up for it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2025 Credit Collection Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cease and Desist Request for Deletion of Collection Account Dear Credit Collection Service, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. The date of last activity is wrong on my XXXX and XXXX reporting companies report. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has reached a settlement with me back on XX/XX/XXXX where they agreed to remove this and all accounts they wrongfully reported in first place to CRAs under my social. See attached final stipulation as a proof of my statement. To this day XXXX keeps reporting NEGATIVELY account they legally agreed to delete ... also see attached page from exp evidencing the presence of this erroneous account. My numerous attempts to reason with XXXX and request a removal of this account as negotiated are being ignored for 2+ years now ... 
XXXX/XXXX  XXXX  XXXX  Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$4100.00} written off.
Product: Debt collection

I found out about this debt after getting my credit report. I contacted this company to validate the debt and they have yet to do so. I have not received the required information I asked for according to the FCRA and the FDCPA. I first contacted them on XX/XX/2021, and I didn't hear anything from them until XX/XX/2021, and they didn't validate the debt.
Product: Money transfer, virtual currency, or money service

I requested my funds of XXXX to transfer from $ XXXX to new account $ XXXX. 
Explained why I made new cash tag, no longer had phone numb or email affiliated with old cash tag, Was told to add debit card or bank account that they would further assist me, I did this far and beyond. They still have not gave my money, When you ask to speak to supervisor you never get one.

They say one will email me, over ,2 wks now, please see that only thing missing is old phone numb and email.

Same people sends money on both cash tags. Naming a few on here that are on both cash tags, I only have text talk at the moment. 
Old : : : cash tag ... $ XXXX XXXX $ XXXX People I've sent, requested, or received on both cash tags. 
# XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX That's the few if you need more I will provide. 
All I'm asking is my XXXX to be put on new cash tag. 
Last 2 payments to me were from XXXX XXXX XXXX and XXXX XXXX XXXX last name may be spelled wrong. 
Said they couldn't verify this was me, well all info giving they shouldn't have had a problem. Both tags had debit card ending in XXXX is on both tags, Respectfully and patiently waiting XXXX XXXX XXXX Ss last XXXX ... XXXX XX/XX/1963 Thank you XXXX XXXX
Product: Vehicle loan or lease

I have recently ran my credit report with XXXX XXXX XXXX XXXX and I was told that my tesla finance auto loan does not show up on my credit report. 

I also ran through other credit report and it shows that I have no Auto Loan.

I would like to get this issue fixed so I can raise my credit score and also for my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding, L.L.C reported the same debt of {$2600.00} ( A charged-off XXXX Card sold to Midland Funding by XXXX ), as " Collections '' to XXXX Credit on XXXX/XXXX/2016, and then reported it again as " Collections '' to XXXX on XXXX/XXXX/2016.
This debt was then reported as a " New Account '' to XXXX Credit on XXXX/XXXX/2016, and then reported again as a " New Account '' to XXXX on XXXX/XXXX/2016.
I believe Midland Funding is in violation of the Fair Credit Reporting Act as Midlands DID NOT prevent re-aging ( inaccurately changing the date of the first delinguency on a consumer 's account to a later date ), and duplicate reporting.
In addition, I received no written notice of this adverse posting to my credit report ( s ).
Product: Checking or savings account

On XX/XX/XXXX, XXXXI had filed a claim with BMO ( {$20000.00} ) with a police report stating that XXXX  has took my money and refuse to give it back after a bet was made that resulted in to a VOID. The police stated it was fraud. On XX/XX/2022 I got a letter stating the charges of {$5000.00} came back valid. Today is XX/XX/2022 I have been requesting this information and still have yet to get it. Im not sure what type of claim BMO filed but theres no evidence of XXXX refunding my money or that the game didnt end in a TIE. I believed the customer rep put that I didnt authorize these transactions and thats not. THE POLICE REPORT CLEARLY STATE THE FACTS. So XXXX was suppose to close the claim on XX/XX/2022 Ive been calling all last week and there was nothing updated BMO stated they still havent heard back for the rest of my claim. So today XX/XX/2022 they are stated they got the evidence.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit card

My Best Buy Citi card has been charged various amounts of money under {$10.00} for what appears to be over a year now. I just realized looking at my most recent bill and can not easily look past 1 year ago. This charge is always for " debt protection '', a service I never remember or claim to have signed up for. These charges seem to have increased over the last year ( this month 's bill shows {$8.00}, 1 year ago it was {$2.00} ). Again, I have never given consent to this type of " feature '' for my credit card and they make it absolutely impossible to speak to an actual person about this issue over the phone or online.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report I am writing to formally dispute and request the removal of inaccurate late payments that are currently reported on my credit file. After a thorough review of my credit report, I have identified discrepancies related to late payments that I believe are not accurate. 
The details of the late payments in question are as follows : Date of Late Payment : XX/XX/2022 Reported on : TRANSUNION I understand the importance of accurate reporting under the Fair Credit Reporting Act ( FCRA ), and I am exercising my right to dispute inaccurate information on my credit report, as outlined in Section 611 ( a ) ( 1 ) ( A ) of the FCRA. 
I kindly request that you conduct a thorough investigation into the accuracy of the reported late payments. If it is determined that the late payments are indeed inaccurate or have been reported in error, I request that you promptly remove them from my credit report, in accordance with Section 611 ( a ) ( 5 ) ( A ) of the FCRA. This section mandates the deletion of information that can not be verified as accurate during the reinvestigation process. 
I expect your timely attention to this matter, and I request that you provide me with a written response detailing the results of your investigation. If the late payments are indeed inaccurate, I request an updated copy of my credit report reflecting the corrections. 
Thank you for your prompt assistance in resolving this dispute and ensuring the accuracy of my credit report. 
Sincerely,