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 has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 



15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

THESE ITEMS WERE DISPUTED WITH ALL 3 CREDIT BUREAUS ON XX/XX/XXXX THEY ALL STILL APPEAR ON MY CREDIT REPORT AND NEED TO XXXX REMOVED BECAUSE THEY ARE BREAKING THE LAW 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report 4. XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.
Product: Consumer Loan

Capital One has report 30 days late payments on my credit report for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX when i was never late in making payments to them. I had auto withdraw from my bank account with this auto loan so after speaking with a customer service rep they stated that they withdrew the money after the due date. I told the rep that, that was not my fault as i had it set up property and due to there mistake i should not be penalized. The customer rep responded with, they would not remove the negative reporting to the credit bureaus. Now i seek for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports. 

In accordance to the FCRA of 1971 list of accounts below has violated my federal consumer rights. 
please remove due to crimes committed and inaccuracies on my credit report.

15 U.S.C. 1681 ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

( A ) Reporting information with actual knowledge of errors 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. 



XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

If I am 2 or 3 days late on my loan repayment. This company calls every hour on the hour for the entire day. I have only been late three or four times ever but when it happens the harassing phone calls are continuous
Product: Money transfer, virtual currency, or money service

OnXX/XX/XXXXat XXXX XXXX  CST I went to XXXX XXXX XXXX and was assisted in sending a Bank Wire of {$11000.00} to XXXX ( Coinbase ). All Bank Wire steps were followed correctly and money was supposed to be available for use in XXXX that day. I did not receive it that day or that week. I went back to XXXX XXXX XXXX onXX/XX/XXXX and was given a printout of the send confirmation. The bank stated that they will send a request to receive confirmation from XXXX XXXX XXXX ( their bank ) that they indeed received the Wire. They have not responded. I contacted XXXX over the phone and explained the situation and was told that this would be forwarded to the applicable department and got a case number. Since then I have not heard anything. I have sent an email asking for a status update of my case and have not heard anything yet. I am extremely concerned as I am not receiving any assistance and just getting the runaround. It doesn't appear anybody can help me and I am amazed how a company can operate like this. Any help would be so greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these unverified bankruptcies on my credit reports for some time now. The credit bureaus said the company reporting this information to the them is XXXX XXXX. I disputed the information with XXXX XXXX and the removed all bankruptcies from my consumer report. I spoke with numerous supervisors at XXXX XXXX and they said there is no way those removed bankruptcies could be reported to the credit agencies in the future because they no longer exist in my consumer report. 

I disputed the information with the bureaus after I confirmed with XXXX XXXX that it was no longer on my report so the bureaus would remove them. The credit bureaus responded to me by saying they reached out to XXXX XXXX who told them that the bankruptcies was still on my consumer report. I received an updated copy of my consumer report and the information isn't on there so the bureaus obviously didn't do a complete and thorough investigation or they would not still be reporting this " phantom '' information on my credit report. 

It seems my disputes are being disregarded so I am coming to you for assistance in this matter. I am demanding that the erroneous information be deleted at once. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Product: Consumer Loan

In XX/XX/XXXX I purchased a vehicle from XXXX XXXX, in XXXX Florida. The vehicle was financed through Citi Financial. XXXX years later in XX/XX/XXXX I was no longer able to make the monthly payments for this vehicle. As a result, I had to have the bank repossess the vehicle. A XXXX months went by and I started to receive calls from Citi Financial regarding this vehicle 's remaining balance, and how it was going to be paid. I told the representative that I was not working at the time but as soon as I got a job I would start making payments. A XXXX days went by, and I started to get harassing phone calls from Citi Financial. I was told by Citi Financial that they were going to garnish my wages, they were going to send the police to my work, and that I was also going to be arrested. I contacted a lawyer, and we took Citi Financial to court. I won my case, and Citi Financial was never to contact me again, and they were also not to report to the credit bureau. Still to this day, it is showing on my credit report the car loan that I had, which was sold to a collection agency. As a result of this being on my credit, it is showing a negative mark against me.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment with Transunion failure to address and correct flawed financial data in my credit report. Accurate credit information is critical for financial stability, and the errors on my report have negatively impacted my ability to secure opportunities such as loans, housing, and other essential services. Despite following the proper procedures to dispute these inaccuracies, including providing supporting documentation, the issues remain unresolved. Each time Ive contacted Transunion, Ive been met with vague responses, lack of accountability, and no clear resolution timeline. It is disheartening to see such a vital institution failing in its responsibility to maintain accurate and reliable financial records for consumers. I rely on Transunion to ensure my credit report reflects my true financial standing, and I am deeply concerned about the lack of urgency in addressing these errors. The failure to act promptly has caused unnecessary stress and financial hardship, leaving me with little recourse. I am requesting immediate action to thoroughly review my disputes, correct the inaccuracies, and ensure that these errors are not repeated. Furthermore, I urge Transunion to improve its dispute resolution process and communication to better serve consumers like myself who depend on your service to manage their financial health responsibly.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the company associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. These are the accounts I want to be removed from my report : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

All my Robinhood accounts have been restricted. With them saying there been unusual activity on my account. They called me 3 days later gave them a live selfie a picture of my id and all other documents needed. And have not heard back from them. All my money is frozen. I have kids I have a house I have bills and noting is being done
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the Equifax data breach. As a result, this has led to me being a victim of identity theft, and unauthorized inquiries in my name on my credit report. I have included an attachment of Equifax confirming my information was compromised. In accordance with 15 U.S.C. 1681c-2 ( a ), I request that these accounts be blocked from appearing on my credit report and requesting the removal of the following Hard Inquiries that have resulted from this identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX allowed a credit card to be opened with a fraudulent address and I noted it on my credit report - opened XX/XX/XXXX despite my credit report being frozen. I contacted them and the account was closed permanently.. On XX/XX/XXXX I sent them a letter as recommended by identity theft.gov and have not heard back from them. ( XXXX ). Although the account is closed I have not received written confirmation from XXXX XXXX XXXX .I would also like the know the charges that incurred with the fraudulent card.
Product: Credit card

I 'm currently serving on XXXX in the XXXX. I applied for the Barclays Bank Luxury Gold card because at the time, Barclays had a great reputation for programs they offered to military members. They went well above and beyond the SCRA standard. They offered 0 % APR as part of the SCRA agreement. They also waived all transaction fees and well as the {$990.00} annual fee to all XXXX Military for the duration of their service. This is the explicit reason I applied for this card this past XX/XX/XXXX. In XX/XX/2016 Barclays decided to change to terms and conditions they offered to new Military members. They stated they were trying to bring them selves in line with everyone else in terms of SCRA. Every card service representative I talked to stated that if you were a previous card holder this would not affect you. Only new account holders after XX/XX/2016. After 10 month of having this card I received a notice in the mail stating that they could no longer honor the original terms and would begin accessing my account the annual fee of {$990.00}. I understand that Barclays Bank went well beyond any other creditor in regards to SCRA. However, not honoring the original terms of agreement to current card members is just bad business.
Product: Credit reporting or other personal consumer reports

I have been disputing these fraudulent and inaccurate accounts.
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 


XXXX : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

TransUnion XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

In XX/XX/2022, I reported scam/fraud to my bank ( USAA ) for someone getting my login information who then deposited fake checks and wired money out of my account and resulted in the bank ( USAA ) making me reliable for the {$10000.00} that was stolen. As of XXXX XXXX, they have frozen my bank accounts and stated that I am no longer eligible to bank with them ( USAA ). They also will be sending the case to collections if I do not pay them back within 60 days which will severely impact my credit. I have been a long time customer ( over 10 years ) with no issues and the bank ( USAA ) is unwilling to help me with the scam/fraud and has created a huge problem for me and my family. I can not pay my bills since they are withholding my money, bills that were paid are bouncing and resulting in even more fees, and the bank ( USAA ) has turned me into the bad guy since my login information was compromised. I thought I was a member of a customer loyal company but they ( USAA ) have completely turned their back on me. It is hurtful and has caused extreme stress and pressure on my family. This is shameful coming from a company that states they are there for their customers who are part of the military family and community.
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 Account Name : XXXX XXXX  XXXX XXXX XXXX Account XXXX : XXXX XXXX  # XXXX XX/XX/year> Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX List of Unauthorized 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 or other personal consumer reports

" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my XXXX credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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: 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 Elections Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my payment of {$550.00} was returned for NSF. It so happened that money was taken out by mistake from the State of California. Thus causing me to bounce my check. I have had this lease for 3 years and I have never been late. My credit score went down because of this action and it will affect my ability to buy my car at the end of the lease. Which is due on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing to report a fraudulent account listed on my credit report under XXXX XXXX XXXX, which was opened without my knowledge or consent. This is a clear case of identity theft. I have provided police report and contacted the FTC. 

Creditor Details : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX, XXXX. 

I have already informed both entities about the identity theft but have been denied any information about the alleged debt. Under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter and the removal of this account from my credit report. 

Please confirm receipt of this request and outline the steps you will take to address this issue. 

Thank you for your attention to this urgent matter. 

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

I WAS A VICTIM OF IDENTITY THEFT. WHEN I FOUND OUT ABOUT THE IDENTITY THEFT, SOMEONE HAD USED MY PERSONAL INFORMATION TO OBTAIN CREDIT AND UNSECURED LOANS. I HAVE FILED A POLICE REPORT AND FTC REPORT WHICH WAS SENT TO ORIGINAL CREDITOR ( XXXX XXXX ) AND ALL 3 MAJOR CREDIT REPORTING AGENCIES. XXXX AND XXXX HAVE BOTH REMOVED ALL ACCOUNTS WHICH WAS OPENED BY IDENTITY THEFT PERSON. I HAVE SUBMITTED 3 DIFFERENT DISPUTED WITH EQUIFAX WITH NO RESOLUTION. I AM IN PROCESS OF REFINANCING MY HOME WHICH I AM NOT ABLE TO QUALIFY DUE TO EQUIFAX IGNORING MY DISPUTES. THIS HAS PUT ME IN A VERY BAD POSITION AND HAS CAUSED ME MENTAL ANXIETY AND LOSS OF INCOME BECAUSE I AM NOT ABLE TO COMPLETE MY REFINANCE.