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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$740.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$520.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$230.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$3200.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$3600.00} XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$11000.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I called on XX/XX/XXXX and spoke to an agent, their supervisor and the supervisor 's supervisor. I asked for a 1099 given I received a taxable ( according to IRS rules ) account bonus in XX/XX/XXXX. Agents kept repeating that they only issue 1099 INT for interest. I said that's fine, but they should produce a 1099-MISC or some other form. Bank refuses to issue 1099s for taxable income and this is against IRS rules/regulations.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX  Account Number : XXXX  was charged off on the following date : 1XX/XX/2023. Since then the date of last activity has been inconsistently updated. On XXXX  the date last active is XX/XX/2023 and on Transunion its XX/XX/2023. If the information is coming from the original creditor the dates should be the same. We can not say that these are XXXX XXXX accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Payday loan, title loan, personal loan, or advance loan

A man showed up at my home tonight and handed my XXXX year old son paperwork saying Im being sued by Jefferson capital for a loan I took out in 2021 that was defaulted. 

according to the FDCPA, A debt collector can not discuss your debt with anyone except for you, your spouse, and your attorney. 

He handed the paper work to my son and said I was being sued for this debt, that in my opinion seems to violate the above. 

The paper work also states that Im not XXXX XXXX military, which I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact these companies several times since XXXX XXXX. I have sent in identification to prove my identity and let these companies know these accounts are not mines. I have no knowledge of these accounts. It has been over 60 days since I have notified these companies and I have not gotten an answer!!! These account remain on my credit file diminishing my character. This is against my consumer rights. 
I have file police reports and sent all documents in to the creditors and the credit bureaus. 

The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

i filed an ftc identity theft report and a police report in which i have sent both to equifax, experian and XXXX on the below accounts that are not mine and fraudulent. they refuse to remove them. I want them removed immediately. 

XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2018 I received an email from Huntington Bank stating that I needed to verify my recent transactions. I have two XXXX. My book-bag was left in my locker at XXXX, which consisted of my phone case. I was away at the XXXX XXXX ( XXXX ) and not even in Michigan nor XXXX. I replied NO to a text message so that my card could be locked and I called in the next day. I disputed around {$7000.00} in unauthorized charges to be told that the Merchants said my transactions were authorized. Some transactions were out of State ( not country ) and some were in state. Some transactions were through the ATM. I did not authorize any of these transactions nor have my card or ssn. I was sent out a new card, which now I carry in my sock so I know for sure no one will have access to it. Under Regulation E if this problem is not corrected within 15 days I will be filing a lawsuit. This is unlawful and no way to treat a direct deposit customer that has never had any issues with overdrafts and always a positive balance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I placed a complaint to inform cpfb that PCI, was reporting inaccurate information on my credit report case # XXXX concerning account # XXXX, and the response from cfpb was it was validated, i received a item with allegedly owe them.there information does not meet the Federal Trade Commissions guidelines of what constitutes proper Debt Validation.they are still reporting this collection on  my credit report. PCI is in Voilation of the FCPDA .These collections on my credit is causing me a great deal of damages to my credit report and life.The FDRA does not allow the inaccurate Reporting of information, and they are getting away with it.Im am send you the copies of the notarized letter and their response sent via USPS certified mail.i sent them was received by them XX/XX/2018 at XXXX XXXX certified Mail # XXXX, its been more the 30 day to prve this debt is mine.
Product: Credit reporting or other personal consumer reports

i would like to have some inquiries removed because I do not recognize them. and I did not authorize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to my concerns regarding Zelle 's handling of disputes, the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, making it easier for users to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing XXXX Account # XXXX. The reason for the dispute is because I requested directly from the Furnisher XXXX XXXX on the date of XX/XX/2018 for validation of debt. They failed to provide that information in the proper time frame of 30 days. Also the proper repossession paperwork has still not been produced to me. Im in the process of failing a claim with the Attorney General Office and also filing a lawsuit against XXXX XXXX if they will not comply with my request for the violation of my rights. Now the problem Im having with the CRAs are as follows. According to the FCRA RULE 623 ( a ) ( 3 ) the furnisher must Report to the CRAs items are in dispute by consumer. On my credit report XXXX didnt report this information so this is violation number one. On my credit report it reports different open dates for the same account to each CRA. This account also report different month terms between each CRA. High credit balance is different for each CRA. Last reporting date is different for each CRA. Also date of last activity different between each CRA. Last payment different as well. Furnisher rule 660.4 ( e ) says inaccurate date and payment activity and account activity is a violation. This account has to be removed by the CRA because this is beyond just a validation of debt by furnisher issue. The furnisher kept very poor records I have all supporting and necessary proof and paperwork to support my claims. If you as the CRA continues to report these information. The CRA will be willfully and knowingly reporting inaccurate information. Which is violation FCRA ACT section 1681s-2 ( a ). 

Attached documentation are as follow CFPB first dispute to XXXX XXXX. 
Follow up letter to XXXX XXXX from me. 
Credit Report showing the inaccurate information.
Product: Debt collection

Credit Acceptance Start Date : XX/XX/2015 Ending : {$2000.00} I disputed this account several times for Violations such as Date of last active and Inaccuracies but over and over its verified even with copies of Violations, not to mention no proof of original contract or history
Product: Mortgage

I was in a forbearance plan due to XXXX for 18 months. US Bank sent me a packet to fill out and return to accept the offer of not being charged interest and add the amount that was excused to the back of the loan. The paperwork was filled out and sent. I went to pay my XXXX  on the XXXX of XXXX and the system prompted me that it was not accepted and to call a number. At that point they told me that they sent out the wrong paperwork but then sent the right paperwork later. I was unsure of what they were talking about. So now that they sent the wrong paperwork that was sent back to them in a timely matter they're saying I don't qualify for these terms anymore. I spoke with a XXXX who was a XXXX there and seemed like he was a new XXXX in training. I don't have the money to pay the interest and penalties from the forebearance. I needed this option. Please help us. XXXX of us in the home have XXXX  right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DP OF EDUC  XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent letters off and receipt confirmation on XX/XX/XXXX & XX/XX/XXXX From Transunion. Here is my United State Postal article # XXXX & XXXXconfirming Transunion did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!!

Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal.

They also violated the law because to 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 AND I did not give anyone written instructions.
Product: Credit reporting or other personal consumer reports

After noticing multiple late payments reporting to my consumer report I notified the credit reporting agencies and asked them to investigate this account. I understand that in order for any account to be reported as late, the consumer in which I should receive a statement document every month no later than 21 days before my bill due date pursuant 15 U.S. Code 1666b - Timing of payments. Since I've opened this account I have yet to receive that document but every month they continued to report it late without following the proper procedures in which that is a violation. At some point with XXXX affecting everything I came across hard times and fell behind on bills. This account that's reporting unauthorized late payments without following the proper procedures is negatively impacting my credit score limiting my ability to obtain necessities in life. I am not disputing this account in the fact that this debt isn't mine but in the fact they they failed to properly send me the statement documents from every month that this account was open but yet still proceeded to report this account as late. I am asking that they remove or stop reporting this account from reporting to my consumer report in which that failed to follow the proper procedures pursuant 15 US CODE 1666b - Timing of payments.
Product: Debt collection

As a victim of identify theft, there was an account opened under my name with a creditor. I have for more than several months doing all things possible to rectify this situation with the original creditor. After being unsuccessful in those attempts, the original creditor sold this alleged debt to MRS BPO to collect on this debt that has resulted from fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a mortgage that is reporting with XXXX XXXX XXXX that has been closed for over 10 years. For some reason it continues to report and reports as opened. This is not an active account. It's been disputed several times and it still is not resolved.
Product: Debt collection

XXXX sold a debt for {$270.00} to a collection agency, XXXX. I was able to prove to XXXX that the debt was not mine, XXXX agreed in writing that the debt was not mine and that they would cease all debt collection actions against me. I shared this info with the collection agency XXXX. XXXX did not respond to me ( I sent certified letters ) - but instead sold this debt to another collection agency, Jefferson Capital - which has forced me to start the process all over again. I'm concerned that even once I prove this debt is not mine, the current debt collection will just sell the debt and force me to repeat the process.
Product: Credit reporting or other personal consumer reports

I am writing to inform that I have went over my consumer report and XXXX XXXXXXXX XXXX  Account # : XXXX violated my rights. 
Here 's why : This account is in-accurate and un-verifiable to me. Their is no proof that this account belongs to me and I demand proof. I believe I am a victim of identify fraud. This account also has been charged off. This also means if the account has been charged off which results ; to the company filing a 1099-c through the IRS. On my consumer report this account shows a past due balance. Their should be no past due balance since the account has been charged off. XXXX XXXXXXXX XXXX states this account is charged off which results to this company writing off the account and receiving a tax benefit for the loss. 
Some of my rights that have been violated are : 15 USC 1681 ; There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681S-2 ( a ) ( 1 ) ( a ) 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  has violated my federally protected consumer rights to privacy and confidentiality under : 15 U.S.C 1681 Section 604 A Section 2 : 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.

I DEMAND THIS ACCOUNT TO BE REMOVE FROM MY REPORT IMMEDIATELY.

After your careful and proper investigation I request a copy of my credit report.
Product: Checking or savings account

TD Bank not authorizing XXXX by blocking me from enabling external applications. I have the right to access my financial data and so I urge TD to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed false allegations of debt to XXXX XXXX XXXX   through XXXX XXXX XXXX XXXX. I was ordered to pay {$1100.00} by the way are County Magistrate Court docket number XXXX   - XXXX XXXX I submitted true of court order dub of Bank stub made out to XXXX XXXX XXXX  for debt credit deletion on my credit report yet XXXX XXXX XXXX has a total extremely higher than what I've paid their client reporting to my credit report which is fictitious based on the court order
Product: Checking or savings account

I received an email that a savings account was opened through Bank of America. The account was opened online with my maiden name and social security number. I find this to be a problem, as the person didnt have to actually provide any documentation or proof they are who they say they are. How is Bank of America allowed do this. Theyre making identity fraud easier for criminals and causing their current customers headaches. Opening an account should be in person with multiple forms of documentation!