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

TRANSUNION accused me of using a credit repair company. When i am NOT USING ANY CREDIT REPAIR COMPANY. This is a stall tactic on Transunion behalf. These Tactics will not work. You are committing FRAUD by reporting FALSE INFORMATION. 
I have ENCLOSED proof and According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 10 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted. I am also requesting an updated copy of my credit report, which should be sent to the address listed below, there should be no charge for this report. I have exhausted all other options for correcting my credit report, and the TRANSUNION and you still wont fix the errors. I will be suing for damages and this letter shows proof of contact. 
XXXX IS NOT MY ACCOUNT. I HAVE ENCLOSED MY LETTER FROM XXXX AS PROOF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I I got a hard inquiry from XXXX XXXX that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

During the period of XXXX I went to file my taxes. XXXX XXXX. XXXX Ohio. I sat down upon completion of my return the tax professional told me that I already had a return but he couldnt see it and that it was in another state that all he could tell me. So I went to the irs building downtown XXXX it had to be between XXXX and XXXX cant remember exact date but reports and paperwork is on file! I went to the irs building and filled out fraud paperwork and what not. Ive just now got a tax return from XXXX till XXXX I was instructed from the irs to file all 5 at the same time I did. I just received my return but my complaint is with all the credit bureaus they will not remove all the hard inquiries from my reports I did not apply for any credit and I do not have anything in my name somewhere someone compromised my social and information and used it so if you guys would help me that would be life changing gratitude!
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 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$330.00} XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1400.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$290.00} XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I am filing this complaint regarding an inaccurate item ( s ) and inquiries on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agencies, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND HAVE DISCOVERED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEAL OF STRESS TO ME AND TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter.

Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Acct # XXXX Amount : {$5400.00} This company has violated my rights. 

15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information 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

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$380.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Product: Credit reporting or other personal consumer reports

XXXX inquiry popped up on my Transunion report XX/XX/year> and I never authorized this company. I called them and ask if they why did they use my info and I never got no good reason because they kept saying they dont have me in there system and they couldnt find nothing on my information in there company.
Product: Debt collection

They are calling before or at XXXX and after XXXX and repeatedly calling every hour on the hour.
Product: Money transfer, virtual currency, or money service

I deposited a check sent by a client for XXXX XXXX The check was a deposit XXXX XXXX XXXX XXXX XXXX for the XXXX of XX/XX/2023. The check was of XXXX $ and after I deposited the check the bank put a hold on my account.I call chase and they decide to cancel my my business account with them. They said that the check was fraud. That the check was also deposited already prior to the date I deposited it.
Product: Credit card or prepaid card

On XXXX I made a purchase with XXXXXXXX  using my Venmo card. I received an email this morning XXXX, stating that my account was frozen, due to insufficient funds for my purchase of {$11.00}. I traced it back to the XXXX purchase. 
I contacted Venmo customer support and was informed that I AM responsible for the declined purchase, even though the funds were in my account at the time of purchase. I was informed that normally after 8 days of a held payment, that Venmo refunds the amount, WITHOUT cancelling the purchase, and WITHOUT informing the consumer. I'd like to mention that it was 3days they held it before returning it to me instead of the 8 )  .nSo I inadvertently spent the payment I was unaware was " returned ''. *There is nothing in my transactions that even shows the purchase now, nevermind the return* Customer service told me I'm still responsible for the transaction even tho I wasn't wrong, and that my account will remain frozen ( and unable to close ) until I repay them for THEIR mistake. I was repeatedly informed that this was a final decision, and basically they can do whatever they want. 
I have unlinked my banks from Venmo, and am so upset that this is falling to me, who was unaware anything was wrong in the first place. I'm attaching my transcript with customer support. She agrees with me completely, but says the responsibility falls on me anyways. 
Thank you for your time and help in this matter, XXXX XXXX
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 TransUnion 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 a personal credit card account opened at XXXX XXXX XXXX, on XX/XX/year>, personal credit card account opened at XXXX XXXX XXXX on XXXX, XXXXXXXX XXXX personal credit card account opened at XXXX XXXX XXXX, on XXXXXXXX XXXX, an auto loan account opened at XXXX XXXX on XXXXXXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XXXX XXXX, XXXX the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. =. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, 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. 

XXXX : XXXX, US DEPT ED : XXXX, US DEPT ED : XXXX, US DEPT ED XXXX XXXX, US DEPT ED : XXXX, US DEPT ED : XXXX XXXX US DEPT ED : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, 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 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

This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by FEDERAL and STATE LAW to verify through the physical verification of the original signature/ Autograph of consumers contract ( s ) any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts. https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ).

I demand to see the Verifiable Proof of my original Consumer Contract with my Signature ( s ) on the instrument ( s ) and proof that the so called debt remains with original creditor ( s ) you have on file of the account ( s ) listed. Your failure to positively  verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below or lawful action will be taken. 
I demand the following accounts be verified and removed immediately. 

In Addition To This Constructive Acknowledgment Notice I checked my personal credit report which is to remain private and not public, which I acquired from your organization around XX/XX/2020, and I noticed inquiry ( s ) had been made. I contacted the responsible party who conducted the inquiry and asked them to remove their credit inquiry from my Secured Credit Profile. I request that you initiate a solution into taking action and removing it as well In Goodwill And Gesture as pursuant to consumer rights article 7 etc. 
The inquiry ( s ) on my credit report are not to determine who authorized the inquiry but to remove it from my Secured Credit Profile, once your investigation is complete, you'll find my Affidavit to be filled as the secured party creditor simply in pure truth under the provisions of The ( UCC ) Uniform Commercial Code. ( Active Security Agreement ) DEPT OF STATE. 
Remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 10 calendar days of the completion of the requested performance. 

Sincerely In Pure Truth, Without Prejudice _________________________________________________ XXXX XXXX XXXX, Secured Party Creditor, Authorized Representative, Attorney-In-Fact, in behalf of XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX NA : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXhas 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 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: Debt collection

To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain. I challenge the accuracy, compliance and reportability of ALL accounts I have with you at any or all bureaus. I have sent many disputes to this company and you have FAILED to provide me any signed agreement that I have with YOUR company. 

There is no valid claim, no contracts exist. You reporting that I owe you money is a grave error and you are making a false claim! I want this account removed immediately or litigation may follow. You should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount that you are seeking in all accounts you have with me.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which you can not prove that I am REQUIRED to pay or that i have any sort of agreement with you concerning this debt. Please be advised this is against F.C.R.A. law and is a violation of my rights.. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking { {$1000.00} } per violation for : 1. ) Defamation 2. Fraud 3. ) Violations of the Fair Credit Reporting Act. 

Also please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting or other personal consumer reports

The purpose of this message is to address an error that was found in a credit report that your business provided. There is some concern regarding this finding because it is clear that credit reports have a big impact on future financial decisions. 
An extensive analysis revealed that the information appeared to represent the credit history incorrectly. The particulars of the account information raising this concern are as follows. Such an unfavorable situation is a source of uneasiness. 
Account : XXXX XXXX : XXXX, Inaccurate account on my credit report due to the way it's reporting. If It can not be verified, remove the data from the account immediately.

Finding a mistake in a document that ought to accurately depict financial obligations and habits is unsettling. My unwarranted concern stems from the discovered discrepancy 's apparent falsity as well as its apparent detrimental effect on the credit score.

Because of the possible consequences that this error could have, the situation is unsettling. One does not want to be carrying false information that could reflect negatively on creditworthiness.

On the other hand, cooperation is thought to be able to resolve this problem and guarantee the accuracy of the credit report. It is hoped that this issue will be resolved quickly in anticipation of a prompt response and action. Resolving the error will serve to both guarantee that the credit score is reflected appropriately and to reinforce confidence in your company 's dedication to providing accurate and up-to-date information. 


Account : XXXX XXXXXXXX : XXXX, Reported account is falsely on the credit report because of how it's reported, and it does not match other bureaus. The item need to be deleted. 
Keeping an eye on credit reports and financial statements is standard procedure for a watchful consumer. Something didn't seem quite right about the credit report that was discovered during a recent review. Investigating and fixing this error right away is necessary. 
Because of your organization 's dedication to truthful and unbiased reporting, I am putting my trust in your ability to promptly address this issue. In order to prevent the inadvertent error from adversely affecting the credit history or future financial opportunities, a response is expected within the allotted time frame. 


Personal Information : Inaccurate employee data on my report. I need action taken to fix the reported issue. 
As a careful customer, you would think that there is a rigorous procedure in place to verify the data that is shown in a person 's credit report. Remarkably, the report included data that was far from adequate. It becomes necessary to investigate this false information for the sake of accuracy and justice. 
In order to proceed appropriately, a respectful request is made to your team to carry out a thorough investigation into this matter. Considering how serious the situation is, it is expected that your team will finish the investigation and share the findings in the allotted time.
Product: Credit reporting or other personal consumer reports

XXXX ( the creditor ) is reporting incorrect information on my credit report which is negatively impacting my credit score. XXXX had my account as a charge off since XX/XX/year> but yet hasnt send me a 1099c, due to this, this is misusing because the IRS describes a charge off as ordinary income which is incorrect in this instant and is violation of code 15usc 1681eb
Product: Credit reporting or other personal consumer reports

After receiving a copy of my credit profile i noticed a few unrecognizable inquiries that i asked the bureau ( Equifax ) to remove who then gave me the run around a then no update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiry from department store " KHOLS/CAPONE '' without authorization on XX/XX/2021. I called multiple times to rectify the concerns and I was transferred around until the automated system hanged up. Phone number of the company XXXX and XXXX on Credit Report.