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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX M Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

Dealing with cash app I was never able to speak to anybody and my information been compromise
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXXXXXX ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). I need to report XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; US XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$680.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} ; XXXX & XXXX XXXX XXXX XXXX : XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX IN ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX.
Product: Debt collection

The apartment community for my daughter reported a debt not owed to collections. I was advised they they had already asked that it be deleted from both our credit reports. I called collections and was told that they already sent the request to delete it fromour reports. The credit reporting agencies are still showing it on our reports. This is the account in question : XXXX XXXX Reported : XXXX XXXX XXXX  {$340.00} XXXX noticed the following unauthorized inquires are showing as hard inquires on my personal report : I also noticed the following unauthorized inquires : XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/
Product: Checking or savings account

Denied, decision was based in whole or in part on information obtained from the consumer reporting agency XXXX, Your deposit account score of XXXX used by us in taking the above action, My bank accounts were never on high risk, and they were opened and never been closed, and I had little inquiries during the last year.
Product: Vehicle loan or lease

XXXX XXXX XXXXXXXX never got statements, could not add acct on line, call cant find the acct, XXXX was XXXX to them never XXXX as they cant find acct, never mail anything out THEY SENT A LTR ALL OF IT IS LIES WRONG NAME, NO STATEMENTS SENT, CANT GO ON LINE AND GET TOLD NO ACCT WAS SET UP, PYMTS NOT APLLY,
Product: Checking or savings account

On Sunday XX/XX/XXXX I attempted to transfer money from my savings account to my checking. I accidentally transferred from checking to savings. I didnt receive any money into my savings account but it put me {$270.00} in the negatives. Intstead of canceling the transaction the employee pulled the money out of my savings account which put me down {$200.00}. I feel I am owed my {$200.00} as if I wouldnt have accidentally pulled from checking it wouldve been a positive amount. If this is not resolved I will be taking the bank to small claims court and will be closing my account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/ and a balance of {$1600.00}. 


I believe this account is inaccurate and should be removed from my credit report immediately. Please verify that this is a previously removed collection/Charge-Off. The information on this account is extremely false and fraudulent. i have sent several credit dispute letters involving this account and it was removed from my equifax report then added back months later. I need this removed from all my credit reports and also this is over 7 years. please delete this! 
This is against the Consumer Financial protection bureau and this Company is violating the Debt collection practices. I have received multiple emails and calls offering me a settlement amount. i am not interested in this whatsoever. attached is proof of this offer being sent to me for over 7 years.

here are two recent ones i have in my email XXXX XXXX I am aware of my rights under the FCRA, and I believe this collection account is not valid. I expect a timely response to this dispute, as required by law. Please conduct a thorough investigation and remove this account from my credit report if it is found to be inaccurate. I kindly request that you respond to this dispute within 30 days from the date of receipt, as mandated by the FCRA. Failure to respond within the specified timeframe may result in legal action. 

Thank you for your prompt attention to this matter. I look forward to a resolution that reflects the accuracy of my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

This matter is regarding Paypal transaction XXXX. On Wednesday, XX/XX/2018, around or about XXXX XXXX I attempted to make an instant transfer payment through my PayPal account ending in XXXX in the amount of {$49.00}. The Paypal system submitted an e-check for payment instead of an instant transfer WITHOUT any indication that the system was about to conduct this transaction INSTEAD of the transaction I AUTHORIZED. The system subsequently debited my XXXX XXXX XXXX  account ending in XXXX for a transaction I did not AUTHORIZE! On this same day, Wednesday, XX/XX/2018, I spoke with 3 representatives on 3 different occasions. I spoke with the first representative Wednesday, XX/XX/2018, around or about XXXX XXXX. I spoke with the second representative Wednesday, XX/XX/2018, around or about XXXXXXXX XXXX, and I spoke with the third representative Wednesday, XX/XX/2018, around or about XXXXXXXX XXXX. All 3 of the representatives provided 3 different answers to my case diametrically different from each others ' answer. Ultimately, leaving my case unresolved. After checking my disputed case each day after my dispute, I contacted their disputes department to follow up on the resolution nearly a week later on Tuesday, XX/XX/2018, around or about XXXXXXXX XXXX. At that point a representative informed me the e-check, I explicitly indicated to the 3 representatives, on Wednesday, XX/XX/2018, that I did NOT authorize their system to submit AND withdraw from my XXXX XXXX XXXX  account, cleared for payment. I disputed this transaction again on Tuesday, XX/XX/2018. The transaction reference number for this dispute is XXXX.
Product: Credit reporting or other personal consumer reports

Re : Inaccurate Reporting of XXXX  Account XXXX Report Number : XXXX Dear XXXX Disputes Department, I am writing to dispute the inaccurate reporting of the XXXX  account on my credit report. This account is being reported inaccurately, and I request its immediate correction or removal. Additionally, I requested a 1099-C form from the creditor, but it has not been provided.

Under the Fair Credit Reporting Act ( FCRA ) Section 623, ( 15 U.S.C. 1681s-2 ), creditors have a legal obligation to report accurate information. By continuing to report inaccurate information, the creditor is in violation of federal law. I request that you investigate this matter thoroughly and remove the incorrect information from my report. 

Furthermore, I would like to bring to your attention that this same account has recently been removed from my XXXX credit report. I request that XXXX follows suit and updates my credit file accordingly. 

Additionally, XXXX has stated that they never received a complaint from the Consumer Financial Protection Bureau ( CFPB ). However, I have reviewed my inbox on the CFPB platform, and it clearly states that the company is still investigating the situation. This means XXXX has provided false information regarding this matter. I expect XXXX to act in good faith and correct this discrepancy immediately. 

Please send me written confirmation of your investigation and the actions taken to resolve this issue. I appreciate your prompt attention and cooperation. 


This version includes the mention of the discrepancy with XXXX statement regarding the CFPB investigation. Be sure to attach any related documents from the CFPB and any communication showing the investigation is ongoing.
Product: Credit card

A fraudulent charge was made on my XXXX Credit Card on XXXX XXXX, 2016. On XXXX XXXX, 2016, I called USAA Customer Service and was told my card would be cancelled in order to prevent additional fraudulent charges from being made and that my account would be credited for the charge. I have never received the credit despite numerous calls to USAA Customer Service. Each time I call, I 'm transferred to different departments, but none of them see to be able to resolve the issue. They seem to be making absolutely no effort to resolve the issue.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed an inquiries on my report XXXX XX/XX/year>. I did not authorize any inquiries into my credit report. Please investigative and delete.
Product: Checking or savings account

Around mid XXXX, I began to get texts from SoFi bank regarding certain charges to my checking account asking me to verify that I was indeed the one making these charges. They ask for a yes or no reply. I replied No to a charge that was made in PA on XXXX XXXX. I was then called by a representative who filed a fraudulent report of the charge and did not process the payment. I began to receive phone calls from SoFi regarding charges and each time they were not me. I spoke with a rep who then signed me up for a dual verification process so that each time my debit card or any activity regarding my account, I was going to be notified and then I would have to give the ok in order to process any charge. This rep also set up XXXX for me because due to the fraudulent activity XXXX was not working. This was XXXX XXXX. Then Friday XXXX XXXX I spent 45 min on the phone with a rep from SoFi bank who contacted me regarding 2 suspicious XXXX transactions, each in the amount of {$500.00}. During this 45 minute phone call I had to keep giving this rep a series of numbers that were being text to my phone to verify these fraudulent charges and that they were going to investigate. Now, just so happens I was moving out of my home I have lived in for over XXXX XXXX years and was sitting in front of a storage unit in a XXXX  truck speaking with SoFi bank when I got disconnected. I had just began to tell the rep that I did not receive the millionth text he was sending me when I got a text from the bank asking if I ordered {$380.00} in XXXX!!!??? I was like sir please just close this account because clearly someone has hacked it and they are continuously using my account. Well then bam the call gets disconnected. I had to leave the storage unit and proceed to an appt where I was buying a travel trailer. I then called the bank back and they were closed so I was prompted to call during business hours. Well when I called the next day, {$1000.00} had been deducted from my account to pay the XXXX payments I had said I DID NOT authorize so I then filed claims AGAIN!
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items I need deleted will be attached in a word document, I am a victim of identity theft. I have multiple accounts I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report only show accurate information. I reported the theft of my information to the the Federal Trade Commission and have enclosed copies of the report, I would like these items removed from my credit report as soon as possible. Accounts : XXXX, XXXX. XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX. 

All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitted the results of investigation # XXXX and continues to double report XXXX XXXX Account # XXXX. There is only one XXXX XXXX Account for an auto loan. Further, the last payment was made on/before XX/XX/XXXX but XXXX reports the last payment as XX/XX/XXXX. Additionally, XXXX continues to confirm the same report on the XXXX XXXX XXXX XXXX Account in dispute. XXXX reports a charge of of {$22000.00} and I have repeatedly disputed this amount. XXXX appears to be overstating the amount charged off on/around XX/XX/XXXX significantly. Further, on information and/or belief, XXXX sold this debt to a factoring/collections agency and is no longer the rightful owner of the debt but XXXX has continued to report a monthly past due amount which is patently false. XXXX no longer has standing but continues to report erroneously and XXXX  perpetuates the misreporting by verifying my name and social security number but NOT the facts of the complaint.
Product: Debt collection

Im reaching out to Consumer Financial Protection Bureau for help with an ongoing dispute that I have been disputing with Experian since XX/XX/XXXX. I have an inaccurate collection on my credit report from XXXX in the amount of {$930.00} in which XXXX XXXX XXXX concluded the investigation per my request concluding that I was not responsible for the account and submitted for deletion in XXXX of XXXX and the collection still remains on my credit report. 

In previous efforts that I have attempted in contacting XXXX about their response they have stated that the removal request was submitted and that I will need to follow up with Experian as to why I have submitted the necessary documents in an attempt to have this resolved. 

Experian keeps stating that XXXX has validated the debt and doesn't provide any information regarding their validation. I have also disputed this account with XXXX  and they also conducted an investigation and removed the collection account from my XXXX  report. 

I feel that it's a bit odd that not all credit bureaus are on the same page with each other and I really feel that Experian is not doing their due diligence in having the consumers best interest. I have submitted the results from XXXX to Experian showing that XXXX   has removed the debt from my credit file and they seem to have disregarded that information submitted. 

I appreciate any help that CFPB can provide in this matter. 

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

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX IN violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. The creditor accounts ( attached below violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations.

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX IN is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX IN has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX IN has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred from XXXX to Mr Cooper for service in XXXX of XXXX No communication was made to me to let me know about this. 

XXXXXXXX XXXXXXXX and Mr Cooper neglected to share with each other my contact information and made no attempts to contact me and let me know my payments would no longer be made to XXXX via auto pay. 

Mr Cooper did not have my phone number, email, or correct mailing address. They stated that none of that was provided by XXXXXXXX XXXX. Attached is my completed profile on XXXX showing all contact information needed. Mr Cooper did not make any attempts to contact me within 15 days of transfer. 

While Mr Cooper made no effort to contact me by phone, email or mail, they did take the time to report my mortgage payments as late even though I had no way to know they were now my servicing company. 

Mr Cooper reported my mortgage as past due and late over not receiving payments. I was unable to send payments as I did not know my mortgage was transferred and that auto payments sent to XXXX had been terminated by XXXX. 

Upon becoming aware of this issue, only by my credit reporting service. I looked up who made the negative report and confirmed it. Paid the account immediately to be up to date and set up automatic payments. 

XXXXXXXX XXXX  and Mr Cooper collectively failed to supply each other with my contact information then chose to damage my credit when I can not make payments to them anymore as I am not informed of the changes made.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I sent a letter to Equifax, XXXX and XXXX regarding inaccurate information reported on my credit report. As of today, I have not received any response from any of the agencies. I request this account be permanently deleted as it violates my rights by continually reporting inaccurate information that does not match the records of other consumer reporting agencies. This situation is extremely frustrating. Despite my efforts to contact you to investigate and provide proof of validation, I have not received any response or validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

We Applied for and was approved for Covid forbearance, when we applied and was approved we were current on our fha mortgage. When we were coming out of forbearance they sold the account to XXXX, we worked out a loan modification with XXXX Fast forward to today we are selling the house involved, its under contract due to close XX/XX/XXXX We applied for and got denied for a new mortgage due to loancare the original loan company not reporting the payments as late but what they did do was write in the status more than 120 days late. This is the only reason our new mortgage was denied Per the Covid forbearance laws it was stated if you were current on your mortgage when you were approved, which we were then there will be no negative impact to your credit I have emailed and called loancare and have gotten nowhere on getting this resolved
Product: Debt collection

They are trying to collect a debt that I have has been paid. They are trying to charge for something so they can put the money in there pocket. I want this removed immediately.