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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Dispute Department TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

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

I have contacted Experian, XXXX, and XXXX about reporting and sharing certain information about me without my authority or my written consent which is a violation of my rights as a consumer. These XXXX companies are also violating my right to privacy by reporting these accounts. The accounts are as follows : 1. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX Bankruptcy - Acct # XXXX XXXX XXXX XXXX ( a ) ( 4 ) states the consumer 's right to privacy.

Notice, it is a fact, I, the consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). Experian, XXXX, and XXXX has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. 

15 U.S.Code 1681b ( a ) ( 2 ) states Credit Reporting Agencies need written instruction to make a consumer report by the consumer. 

Notice, it is a fact, I, the consumer is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 

15 U.S.Code 1681 ( b ) states Credit Reporting Agencies must follow reasonable procedures. Must be fair and equitable to the consumer.

Notice, it is a fact, I, the consumer is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed were not followed and this a violation of 15 U.S.Code 1681 ( b ). 

In conclusion, These companies have violated plenty of my rights as a consumer. With that being said, I demand they remove all the accounts listed below. If my demands are not met, my next step is to take each company to federal court to show where they violated my federal rights as a consumer and sue each credit reporting agency. 


XXXX. XXXX XXXX XXXX - Acct # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy - Acct # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was a victim of a scam. In total, I lost {$1900.00}. {$1000.00} was through Cash App. I received a message on social media from a XXXX " friend ''. I am unsure how many people I was talking to outside of this " friend '' as the Cash App " Agent '' I was speaking with through email and using a XXXX address, signed the emails with the name " XXXX XXXX This XXXX scam is done through Cash App using the Standard and an account from Cash App Agent. My " friend '' would provide me details and to wait for confirmation from the agent. From there, different issues would arise such as " Tax Payments '' I needed to pay to receive my funds. I made a claim with my bank, XXXXXXXX XXXX, cash app, the police and the FTC and I have not received any of my money back. This was my first check of the month and I was scammed out of everything. Cash App was used and was required to have a 24 phone number but they do not have a 24 hr line. 

email used by agent - XXXX Number used for XXXX XXXX - XXXX XXXX address using the STANDARD- XXXX
Product: Debt collection

Crescent City Collections has contacted me twice concerning an unpaid medical bill for my son. During the first call, I informed the clearly intoxicated older woman on the phone, that I did not give payment information to people calling my home. She slurred, and cursed, and then hung up. My daughter answered the phone after this and tells me the same thing occurred. Today, the same lady who said her name was XXXX XXXX, called me again at XXXXalready intoxicated. I told her she had called me intoxicated and using foul language in the past. She told me her boss was not available. I will happily pay the bill after this is resolved. I believe this is in violation of what is allowed by collection agencies.
Product: Credit reporting or other personal consumer reports

In according with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A States I have the rights 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 During the pandemic I lost my job and I had to hand in the cars so I could not continue paying the installments and this information is negatively affecting my credit history. I appreciate your help in removing this information from my credit report.
Product: Credit reporting or other personal consumer reports

I'm contacting you regarding fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or authorization, causing considerable anxiety. As a victim of identity theft, I've already reported this incident. This situation urgently needs addressing, as it has negatively affected my financial status and reputation. I request your assistance in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I'm prepared to provide necessary evidence and, if needed, pursue legal action to safeguard my rights and seek appropriate redress. Your immediate attention to this pressing matter is greatly valued.
Product: Debt collection

I paid this debt, there is no debt, I requested a bill, I did not give them permission to add this to my credit report, I do not have a contract with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I wrote Experian regarding multiple incorrect items on my consumer report including an address listed without the apartment number, and incorrect name, and an incorrect account posted on my report. Since then, they have closed and taken off ( 4 ) account in which I linked with Experian boost causing my credit score to drop XXXX points due to this error. I have sent out an additional certified mail today to be delivered this week stating that I am at this time in the steps of pre-arbitration. If Experian chooses not to contact me to resolve this record in 30 days, I will be forced to initiate arbitration with Experian. 

I can be contacted via email. 
I have attached the necessary files for your records. 
Thank You, XXXX XXXX
Product: Debt collection

This company is reporting on my credit file as a collection under 3 different collection agency names. No information to verify the debt belongs to me. This company is in violation of the FCRA reporting standards.
Product: Credit reporting or other personal consumer reports

I discovered that three accounts had been opened in my name on my credit report by a company called XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts were opened without my knowledge or consent, and I did not permit them to open XXXX 's credit card in my name. During a timeshare presentation I attended, they requested a soft pull to see my membership options. However, I later discovered that they had performed three hard pulls on my credit report, and to my surprise, I received XXXX 's credit card in the mail after returning home. When I tried to cancel it through XXXX, they refused, and XXXX also refused when I reached out to them. This is a deceptive business practice, and they have used my credit information to open an account without my authorization, knowledge, or consent. Before attending the timeshare presentation, my credit score was XXXX. Still, now, due to the addition of these inquiries and the account to my credit, it has dropped to XXXX, making it challenging for me to move into a decent home. I want this account removed from my credit report immediately because I did not authorize it. I have already disputed the account, but the credit bureaus ignored my request for removal and my right to an investigation.
Product: Credit card or prepaid card

Received a letter from Discover to provide photo ID and SOCIAL SECURITY CARD. 
( PHOTOS ). I am law enforcement and often on Special assignment. The letter was received 10 days after sent to me. I called Discover and made them aware of my situation. One I did not have a copy of my Social Security card and had to make a trip to the SS office to order a new one. Once I went to the office I was made aware that the SS offcie no Longer gave Receipts that included the Social Security number. It only ststed that a new card was processed.. I forwarded Discover what they asked for. However they had advised me it was 24 hours to late and the card was closed. I asked to speak to a Supervisor and was denied that opportunity on several occasions. Now the card is revoked and i was told was the card was closed all of the points and cash back earned would be credited to the card. However, there is clear discrimination here because was receiving my photo ID, the call was made to close the account based on ethnicity. 

Today they called me and said the card was not revoked and wanted a payment. i asked for a aSupervisor then and was told that I could reapply for the card ... this card has clearly damaged my credit. I have attempted several times to resolve this amicably with this company.
Product: Checking or savings account

I opened my BMO Harris checking account on XX/XX/XXXX. I was to receive a {$500.00} bonus if I met the following criteria : " Get a {$500.00} bonus when you open a new BMO Harris XXXX  account and have a cumulative total of {$7500.00} in qualifying direct deposits within 90 days of opening. Bonus is paid approximately 100 days after opening ''. 
On XX/XX/XXXX a qualifying direct deposit in the amount of {$8000.00} was made to my account. On XX/XX/XXXX, 100 days had been met. I very clearly met the requirements, but it has now been over 110 days since account opening and the {$500.00} bonus has not been paid out. I reached out the BMO Harris through phone and messenger in the app and received the following response. " Upon review, I do not see that the requirements have been met, the tracking window for the promotion ended on XX/XX/XXXX. I did not find at least {$7500.00} in qualifying direct deposits. '' Clearly BMO Harris just does not want to keep it's legal obligation and pay me my {$500.00} bonus.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Client Services INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX. Has been sending me a Collection notice with balance {$2600.00} The credit has been reported as a pass due balance. I dont know this company. I never had done any business with this company.This company doesnt have a contract or signature of mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied XXXX XXXX credit card. Someone used my identity to used credit card. 
I made a police report and disputed this matter with XXXX, XXXX, Trans Union. 
The Credit Bureaus stated my account was properly investigated but they did not. 
I never lived at XXXX XXXX area, There are address show on my credit report along with inquiries. I am trying to buy a car but this negative impact hurting my financial situation. 
I disputed more than 3-4 times but nothing happened. 
Please delete this XXXX 's credit card account.
Product: Money transfer, virtual currency, or money service

My account was locked since there was a transaction I was n't aware of. I have a few thousand dollars in it. They locked it and are making me answer questions that I have already answered. I have spoken to two reps who state they escalated it however I am still locked out. I was already told they do not believe its fraud, however, they refuse me access. I want access to my money as they have no right to hold my money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( 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 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

I checked my credit report AGAIN and it appears that Equifax has reported an item, namely a Bankruptcy. I have reached out to the Circuit Court of XXXX  to find out if they reported a Bankruptcy, they did not. I checked XXXX  XXXX XXXX and it does not exist on either bureau. On the credit report it shows that XXXX XXXX was the furnisher of the item. My XXXX XXXX report has been SUPPRESSED since XX/XX/XXXX and is still in force. I've already filed a report with the FTC regarding erroneous, unverified, and inaccurate reporting. I do not understand what is going on with the bureaus, but they are either not verifying the method in which they've obtained any of these items. They are also CLOSING OUT DISPUTES WITHOUT HAVING PERFORMING THEIR DUTIES TO CONSUMERS. They are only UPDATING ACCOUNTS without answering disputes or sending correspondence. It is COVID 19, people are suffering, laid off jobs and are short on food and funds. The bureaus have been granted leniency with taking long periods of time to respond to consumers. They are not sending out updated credit reports for months at a time. They are misreporting items and placing consumers in horrible positions. I've filed an FTC Report, my next step will be The Attorney General of the State of Illinois.
Product: Money transfer, virtual currency, or money service

I am filling 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 vulnerable and unprotected. Further more, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund transfer act EFTA ) to and regulations E. These actions have caused significant inconvenience and financial loss and I seek appreciate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the agency several times to remove all information stating that my residence has been used for a business. This information is incorrect I do not own a real estate company or any of the other businesses listed on my report. Please remove all notices that state business for XXXX XXXX XXXX XXXXT XXXX, GA and XXXX XXXX XXXX XXXX, GA.
Product: Vehicle loan or lease

On XX/XX/XXXX I contacted Ally Bank over the phone to assist in changing a bank account information online as I moved from one state to another state I changed banking institutions from XXXX XXXX XXXX to a local credit union. The woman I spoke with was in the XXXX and she assisted me with setting up my payments with my new bank automatically on the XX/XX/XXXX of every month it should have been an even amount of {$230.00} every month on the XX/XX/XXXX I  get a notification on my phone that I have an NSF fee of {$25.00} due to Ally Bank trying to draft XXXX dollars. On the XX/XX/XXXX I once again contacted the customer service phone number and got a hold of another lady in the XXXX by the name of XXXX badge number XXXX she assured me that she would and we would cancel the whole draft and resubmit the information again to start a new draft I would also need to make a one-time payment of XXXX for the month of XX/XX/XXXX and it would no longer draft XXXX dollars she gave me a confirmation number of XXXX XXXX and assured me that I would get a contact back by the XX/XX/XXXX to assist me and the refund of my {$25.00} due to this mistake XX/XX/XXXX came and went I never received a call I contacted customer service again this time speaking with XXXX badge number XXXX XXXX and he assured me that I would be getting a call back and that they needed more information they needed a copy of my bank statement faxed to direct pay gave me the same confirmation number and gave me the fax number I faxed over the information on the XX/XX/XXXX still have never received a call back and once again on the XX/XX/XXXX they drafted {$1200.00} for my account again on the XX/XX/XXXX I was charged {$25.00} NSF fee from my bank so I again contacted customer service at speaking with XXXX and she assured me that I would receive a call by the XX/XX/XXXX of somebody was working on my account specifically and she was also emailing her supervisor XXXX XXXX the XX/XX/XXXX Tuesday came and went I never received a call today is the XX/XX/XXXX and I contacted customer service again spoke with somebody in the United States by the name of XXXX she let me know that she would contact her supervisor XXXX XXXX was in a meeting and was unavailable and I would be getting a call back that somebody was specifically handling my information and that person will be calling me today I have now been charged {$230.00} for my normal payment which I do owe and it was on time and an additional {$50.00} and non sufficient funds fees do to them drafting the incorrect amount nobody will give me the corporate phone number in XXXX Minnesota they only give me a XXXX XXXX phone number XXXX XXXX XXXX XXXX is the worst company that I have had to deal with I have not been late with them I just simply wanted to change my accounts and have incurred additional fees due to their mistake and not receiving any calls back I need help to get ahold of somebody at their corporate office to get this resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX  XXXX. I believe it was reporting in error.
Product: Credit card

I am a long-time customer of Bank of America XXXX XXXX. 

I was charged a total of {$2600.00} on a newly issued Bank of America credit card that I had applied for last month ( XXXX ) but have never received. The two charges made were in XXXX XXXX, one at XXXX XXXX ( {$2600.00}, XX/XX/XXXX ) and the other at XXXX ( {$21.00}, XX/XX/XXXX ). I was in XXXX XXXX ( where I live and work ) the entirety of this time, and have not been to XXXX XXXX in years. 

I filed a claim with Bank of America, detailing everything I could, including receipts of my subway spend to and from work and my spend at a XXXX XXXX XXXXXXXX location ( near my office ) during the exact dates these charges were made to show that I was in XXXX XXXX 

Bank of America, despite of my 15 years of clean history with them and all the proof that I was in XXXX XXXX during this time, rejected my claim in just a matter of days saying " chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' This is an inaccurate statement, as ( 1 ) I have literally never received my card, ( 2 ) this is a credit card with no PIN ( not sure what PIN was " entered '' ), and ( 3 ) there is no proof that I have signed especially when I was physically in XXXX XXXX  with proof -- anyone could have signed it. They also clearly did not read any of the information I have sent through, and hit me with a generic statement to reject my dispute. 

Very disappointed with my experience, after having been such a loyal and clean customer for so many years. It also should have raised their flags that such a large amount was swiped at a city I have never been in and transacted at. 

Would really appreciate CFPB to look into this and help with getting a full refund issued. The moment this is resolved, I intend to end all business with Bank of America and move to other financial institutions where I have had a much better experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated my Consumer right in pursuant to 12 cfr 1026.13 ( f ) ( 2 ). They did not conduct a fair and equitable investigation and failed to provide me with proof of indebtedness as a result of identity theft. Their also violating me in pursuance to 15 usc 1681 ( a ) ( 4 ). By continuing to report inaccurate information and breach my rights to Privacy. I have provided all documents for this investigation previously. I'm not required to provide anymore.