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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX-Balance {$730.00} XXXX XXXX XXXX-Balance {$840.00} XXXX XXXX XXXXXXXX-Balance {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX  XXXX Balance : {$6300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Around XXXX 2012, when I attempted to use my eBay account to sell items, I was informed that I had overdue seller 's fee. At that time, I disputed the fees because in reviewing my account online. I could see that it was another person who sold the items. Ebay agreed with me at that time and cleared my account. The dispute and resolution happened by phone and email in my eBay account. My eBay account does not have the old emails and when I spoke with Ebay today they have no record of my dispute and resolution in 2012. Also, my account no longer shows that items fraudulently sold through my account and the seller 's information which helped prove the first time around that I was NOT the seller. So here I am three years later disputing the same fees again and can not provide the proof because eBay has deleted the information from my account. 

Their dispute and resolution process should NOT be only by phone or inside the eBay account. Their should be a process that allows me to write to actual address and/or use my regular email account, so that I the consumer can have a permanent record of my dispute and their resolution.
Product: Credit reporting or other personal consumer reports

Hi I notice some unauthorize inquires, collection, close accounts, auto loans, XXXX loans, personal loans, other accounts on my report and accordance with the FCRA ( fair credit report act ) Id like to have them remove immediately or pay and pay as agree in never late Pursuant to 18 USC 8, I owe no debt these company is violating my consumer right to privacy pursuant to 15 USC 1681 b 15 USC 1681 4 company has also no permission to report anything using my information these are close account thats late in not pay as agree they not minds XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Loan thats close and not minds XXXX XXXX XXXX XXXX {$20000.00} XXXX  Loan thats not minds neither DEPT OF ED/XXXX XXXX XXXX XXXX Personal Loan not minds XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX say its late its not minds and 15 USC 1681 A Late payment Other Account not minds XXXX XXXX XXXX XXXX 4 Collection thats not minds XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} AND 12 Inquires Now what i want is proof of all the stuff im bout to write down 15 USC 1692g Validation of debt 15 USC 1692e false or misleading representation 15 USC 1692j furnishing certain deceptive form 15 USC 1681 A late payment RULE 1002 requirement of original 18 USC 1028A aggravated identity theft
Product: Checking or savings account

on XX/XX/24 I received an email from XXXX XXXX saying they are going to withdraw {$400.00} from my account. I XXXX  XXXX phone number and spoke with the agent. He wasnt a real agent, he was the scammer, he sounded so convincing and legit and was able to get in my banking app. He XXXX 3 times within 5 minutes {$490.00}, {$490.00}, and {$490.00} a total of XXXX then he transferred {$5000.00} dollars from my savings to my checking and wired the {$5000.00}. the second I realized i was being scammed i hung up and contacted my bank within minutes of this happening. i was denied my XXXX money and the wire money, a total of {$6400.00}. They said online credentials were required to perform this and that the activity appears to be consistent with my normal banking activities. XXXX is not a normal activity for me, i use it 1 time every 3 months. i've never in the 15 years i been a citibank customer have i ever wired any money. If they didnt think that XXXX XXXX  payments and a {$5000.00} dollar wire transfer within a 20 minute time frame wasn't suspicious activity then they are XXXX. The bank was notified minutes after this happened. I even drove down to the branch to talk to them. They could of reversed or stopped the transfer.
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 Finaical Proctection 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 Regualtion E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Bank of America closed my bank account without any reason at all. I had just turned XXXX and was happy to finally open a bank account, and since my father had been using Bank of America for many years now I also decided to open an account with them. Everything went well and it was opened online somewhere in XXXX. My father sent me an initial {$100.00} through XXXX, and on one of the days I received a notification that the balance was gone, then I checked and no transactions were made either which was strange, the money came back out of nowhere. This also happened at the same to other people and was on the news. Just to show that Bank of America makes errors. After a few days, I take the money I have saved up in cash which was around {$600.00}, and deposit it into a nearby atm which went well. At the same time, I opened a broker account with XXXX to start learning how to invest, I put in {$20.00}. I also received some money from a friend around {$22.00} in a XXXX transaction. This shows that my bank account was active. I have not made any transactions that would overdraft my account or bring it to a low balance it was kept at {$740.00} at the time. At the start of XXXX, I tried to login into my bank account, and it said that it was not found. I also received a letter promptly saying that my bank account was closed, it didn't give any reason as to why. I had contacted customers support around maybe 7 times now with all of them getting me nowhere with them giving me a response as to what the reason is. I was able to take out all my money in a check which was good. I tried to open another bank account with Bank of America but then was denied with an email that came in weeks later saying that my XXXX XXXX XXXX report score was low. I then proceeded to request a report with them to see if they would have any information as to why, possibly some kind of incorrect information, but not even in that report was there anything to hint as to why the account was closed. With this bank account also my XXXX was closed. I could open a bank account with Bank of America in person at their office which was also strange.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX call in to mariner finance of va XXXX and give my checking account to make payment forXX/XX/XXXX, Allso someone said you can refinance just come in to XXXX XXXX XXXX XXXX VA, and sign and you can miss 3 payment, But l refuse to sign, l was told it will cost me {$2000.00} more to refinance, Mariner refuse my payment forXX/XX/XXXX and XX/XX/XXXX, Mariner finance file Civil claim XX/XX/XXXX, because l refuse to refinace my loan of XXXX
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 

XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian is retaliating against me for filing these complaints. I do not ask for money but rather just fix my account which I have worked so hard on by myself to fix it. Experian keeps saying working on the issue then 2 months later closes the complaints. You stole 17 months of on time never late payments to XXXX and won't put back on but yet you want to negotiate to lower my XXXX bill your leaving me no choice. Look at the evidence I present not to mention the double bank account and all the other problems with my account
Product: Debt collection

Someone had used my information for XXXX and it resulted in over {$3000.00} in debt that is WRONGLY effecting my credit. I had contacted XXXX and even got a lawyer to help me remove this from my credit but have had no luck getting a response from Pinnacle Credit Services. I am now going to get a notarized letter from my lawyer and I and send that to them. Not hearing from them should indicate that this needs to be removed since they are not willing to work with me. This debt is NOT MINE and Pinnacle Credit services has done nothing to right this wrong.
Product: Credit reporting or other personal consumer reports

I recently filed a complaint with your department on XXXX  XXXX XXXX credit reporting bureau. My credit score dropped to XXXX. After the complaint to your agency my credit score increased to XXXX. When XXXX increased it to XXXX and not XXXX I knew right away what they were being discriminating against me. 

I made all payments on credit cards on time and my score dropped significantly to XXXX after complaining to your agency it increased to XXXX. This score is not acceptable. All of my card balances are below 30 % usage. My score should be at least XXXX. 

Equifax dropped my score XXXX points at a XXXX why did it dropped XXXX increased my score to XXXX this is unacceptable. 

There are people with $ XXXX {$250000.00} in debt and their scores are way past XXXX.
Product: Debt collection

On XX/XX/XXXX, I mailed out my FTC identity theft report to Credit Control and notified this company that I am a victim of identity theft. I reported to them that I did not open or authorize this account, and I requested that it be closed immediately. I asked Credit Control to please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have sent a copy of my FTC Identity Theft Report. Because the information that Credit Control are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I received a statement in the mail today, XX/XX/19 from Convergent Outsourcing , Inc. stating that XXXX placed my account with their office for collection. The statement states I owe XXXX {$88.00}. I checked my XXXX account balance and it is XXXX. I contacted XXXX and they stated they did not submit my account to a collection agency and reaffirmed that my balance is XXXX. I did not contact Convergent Outsourcing as I think this is a scam. It says on the back of the statement that I need to notify them within 30 days of receiving this notice in order to dispute the validity of the debt. I'm not sure if I should do that because I think it is a scam. 
I checked the XXXX XXXX XXXX site and they have had numerous complaints about this company.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete all accounts and inquiries listed below from my credit report, as I have been a victim of a data breach, and these accounts and inquiries were not authorized by me.

Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent information removed. The accounts and inquiries listed below were either opened fraudulently or were not authorized by me. I ask that these be removed immediately to ensure my credit report is accurate and reflects only the accounts I have personally authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights :15 U.S.C. 1681 section 602 A. states I have a right to privacy.

:15 U.S.C . 1681 section 604 A. section 2. also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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: Debt collection

Several family members received a very vague letter asking for my personal information like : Name, address, phone number, and place of employment. The letter does not say anything about debt or anything. I have no idea who this is or what they want. It doesn't seem like a legitimate letter. It gave a file number:XXXX. And a name and address that said attorney at law. I called the number and was put on with a man who refused to tell me if he is an attorney, where I am calling or anything about this. He just put me on speaker phone and I heard him and it sounded like a couple of women or children laughing and making fun of me asking questions. I could hear them clearly. They said the call was recorded. I called on XX/XX/19 at XXXX pm CST. He just kept insisting that I give him my SS # and address. I would never give that to someone who I have no idea who is on the other end. They kept laughing and making fun of me talking and asking questions so I hung up. The number is XXXX. The name at the top of the page is XXXX XXXX. I googled it and it came up Kohn Law Firm S.C . I do not know why or for what reason these vague letters were sent out to my family members but It seems very much like fraud or something illegal.
Product: Debt collection

I purchased my XXXX in XXXX of 2023. I traded my XXXX in for the XXXX. Both vehicles were financed by GM Financial. GM Financial paid of the XXXX on XX/XX/year> per my credit report. Yet GM Financial is reporting on my credit report that I was 30 days late on my payment citing the date XX/XX/year>. This has made my credit report decrease by up to XXXX points. 

I have asked them to make this correction and they refuse to. They are reporting false and misleading information, which is a violation of 15USC 1692e 2 ( a ), 15USC 8.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports :, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXBalance Owed : {$0.00}, XXXX XXXX Balance Owed : {$18000.00}
Product: Debt collection

company is being harassing with repeated calls. Ive blocked number but still receiving calls. they refuse to provide any type of documentation. Additionally, ive not done business with profile recovery or aware of any debt. The harrasing calls and other forms of communication have been ignored. This company is harassing me and my family for money.
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one bank usa na # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX XXXX XXXX XXXX I am a authorized account // I didn been late at this account ... and I got in my report that im late for 30 days /// and they will removed by XX/XX/XXXX I need that information removed on my credit report I have a excellent report
Product: Debt collection

I receive call on a daily basis to collect a debt that my parents have. The company is trying to say I co-signed for a lease. I have told them over and over I never co signed anything and pleas provide the doctor. I never received the doctor, just abrasive agents trying to get me to pay debt.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX. 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax Has a company XXXX XXXX XXXX XXXX XXXX on my credit file XXXX/XXXX/2020 that i did not agree to or sign nothing saying run any type of credit Soft/Hard or agree to terms. XXXX XXXX XXXX XXXX seems to be doing fraud to rent there cars. I need the contract that XXXX XXXX XXXX shows me agreeing to terms not some verbal reply or some reply in words to this issue. 
I'm also filing a US Attorney Complaint and will be filing a law suit on EquifaxXXXX XXXX XXXX XXXX in regards to there XXXX XXXX XXXXXXXX contracts