23daVinci/CFPB_Complaints huggingface dataset:
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 : Account # XXXX XXXX  : Account # XXXXXXXX XXXX  : Account # XXXX XXXX  : Account # XXXXXXXX XXXX  : Account # XXXX XXXX  : Account # XXXX XXXXXXXX XXXX  : Account # XXXXXXXX XXXX XXXX : Account # XXXX XXXX  : ( original XXXXXXXX XXXX XXXXXXXX XXXX ) : Account # XXXX XXXX XXXX ( original XXXX ) : Account # XXXX XXXX XXXX ( original XXXX XXXX ) : Account # XXXX XXXX  ( original creditor : XXXX XXXX XXXX XXXX XXXX  ) : Account XXXX XXXX Has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 
THEY DO NOT HAVE MY WRITTEN CONSENT!
Product: Credit reporting

To : CFPB XXXX XXXX XXXX, OH XXXX ( XXXX RE : Equifax To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Equifax credit report, which is inaccurate. 

Specifically, the item is for a medical bill ( allegedly ) without any other information including the servicing/collecting party. I have no knowledge of this medical bill. I have no knowledge of this alleged bill. I believe this is a mistake in reporting. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Equifax report showing the derogatory item. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block inc. ) due to unfair service and practice that violate the consumer fraud 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. 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: Checking or savings account

My information was sent to a 3rd party from Wells Fargo and I paid the 3rd party with a negotiable instrument. Wells Fargo said they cant get in touch with the company about my payment. They have broken many consumer laws. Wells Fargo keeps contacting me about a payment that should have been already discharged.
Product: Mortgage

i had long XXXX. I applied for a modification. After full submission. I was told that i had a previous modification. All i asked for was to put the payments to the rear, They said they had to lower the payments. I will lose my home f i cant do this.
Product: Credit card

I have ( 2 ) credit card accounts with Capital One.Both accounts were closed because they made a decision that my accounts werent used properly. I have overdraft protection on both accounts.Account ending in XXXX and XXXX recently made a payment on the accounts but my paycheck didnt clear in my bank account for the payments to go through so it was returned.This has been the first time this has happened in the 3-4 years that Ive had the accounts opened. I always have paid my cards off in full majority of the time with no balance carryover. This is unethical and to my knowledge against the ( FCRA ). I would like for this issue to be addressed and resolved by reinstating my accounts! I also had available credit on the accounts that I have made payments towards.
Product: Credit card or prepaid card

navy cr card sent out offer XXXX it said creditworthiness will be base on apr, not getting card, when you apply you get told no cars will be issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX, XXXX put a Wage Garnishment on my account. the date was XX/XX/XXXX-18. I  contacted them and did a Payment In Full over the phone. They are continuing to report to all of the credit burrows as delinquent not once but 5 times for one account. i want this to be corrected back to the date of XX/XX/2018 as paid in full and corrected to current date and going forward. I have contacted them and they state that my debt in question has been sold. How can they sell a debt has has been paid in full? I have the authorization number of the one time payment, also the statement from my bank that it was paid. i just want this to be rectified.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XX/XX/XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

On XX/XX/XXXX, a MoneyLion account was fraudulently opened in my name. A loan for {$1000.00} appears to have been taken out. Additionally, several payments were charged to my personal checking account and sent to Moneylion : 2 on XX/XX/XXXX for {$19.00} each, and 4 on XX/XX/XXXX for {$97.00}, {$45.00}, {$19.00}, and {$19.00}. I reported these fraudulent charges to my bank, XXXX, and they were reversed. However, the loan account has remained open. I filed a dispute through XXXX, but they deemed the account information as " accurate ''. Missed payments are beginning to show up on my credit report and affecting my credit score.
Product: Credit reporting or other personal consumer reports

I'm writing to let you know how deeply irritated and disappointed I am with the way your bureau has handled my complaints about identity theft. I have tried numerous times to get this resolved, but I have never received a satisfactory response or action from you. 
I was the victim of identity theft, and because of the unauthorized accounts and transactions that showed up on my credit report, I had to deal with a lot of emotional and financial difficulties. I reported these fraudulent acts to your bureau right away, and I provided all the required paperwork and thorough justifications to back up my allegations and prove my innocence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, an extended period has passed since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me significant stress but has also resulted in concrete negative consequences for my financial well-being. I have experienced denied credit applications, higher interest rates, and relentless harassment from debt collectors, all stemming from inaccuracies on my credit report. The bureau 's obvious inability to recognize the gravity of my predicament just serves to increase my dissatisfaction and aggravation. It seems that even though I have shown strong proof of identity theft, my case has been disregarded or underestimated. This has had a significant negative influence on my life and made me feel ignored and helpless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud items on my credit report since XX/XX/XXXX. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify the items to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted an Identity theft report from the FTC website to XXXX twice already, i am about to send the third one tomorrow, they have responded they they will NOT remove the fraudulent accounts on my credit report which i have no knowledge were they came from. They have also refuse to provide any evidence behind their claim. i need these accounts removed immediately, i was not even in the united states when this accounts were open in my name, i also have addresses, phone numbers and names that do NOT belong to me and the refuse to remove them, harming my ability to obtaina fair credit score and report. please assist me in this matter.
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 consummer rights to privacy and confidentiality under USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX I XXXX  # XXXXHowever, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

*DO NOT PLACE A FRAUD ALERT ON MY CREDIT PROFILE * I received a copy of my credit report and am writing to dispute the following information that appears on my Transunion report. 
Please verify or remove immediately the following : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt.Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete these accounts. 

Also the account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX IS NOT LATE AND HAS NEVER BEEN LATE. PLEASE CORRECT AND UPDATE ANY LATE OR MISSED PAYMENTS ASSOCIATED WITH THIS ACCOUNT IMMEDIATELY. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter. 
Thank you for your time and help in this matter. 

Subject : UNAUTHORIZED INQUIRIES-DISPUTE ( DELETE/REMOVE ) I am requesting a re-investigation of the following data that appears on my credit report. On XX/XX/XXXX, your company responded and stated that the data which appears below is verifiable and therefore can not be deleted. At this time, I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611. 15 U.S. code 5 1681b- Permissible purpose of consumer reports. 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. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. These inquiries were not authorized by me and I would a full investigation and documentation of who may have requested these credit pulls. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to XXXX compliance between your firm and your contracted reporting Please reply within the time limits as stated by the FCRA or delete the data which appears on my credit report. 

*DO NOT PLACE A FRAUD ALERT ON MY CREDIT PROFILE * REMOVE/DELETE FROM MY REPORT IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXXXXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to conduct a reasonable investigation into disputed items on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

On XXXX XXXX, 2024, I initiated a dispute with Experian by submitting a dispute letter through their online portal. In this letter, I explicitly requested an investigation into inaccuracies present on my credit report and disputed incorrect personal information. Along with the dispute letter, I provided essential documents such as a copy of my photo ID, social security card, and a recent bill displaying my current address, all aimed at aiding Experian in verifying my identity and address. Despite these efforts and the legal obligations outlined in the FCRA, Experian has failed to provide any response or communication regarding the results of its investigation. 

The FCRA explicitly states that if a consumer disputes the completeness or accuracy of any information within their file at a credit bureau, the bureau is legally obligated to conduct a reasonable reinvestigation to verify the accuracy of the disputed information. Experian has unequivocally disregarded this fundamental requirement. 

Enclosed with this complaint is a copy of the dispute letter submitted to Experian, serving as undeniable evidence of my endeavor to rectify these inaccuracies.
Product: Credit card or prepaid card

I noticed 3 fraudulent transactions charged on our BOA credit card on XX/XX/XXXX & XX/XX/XXXX. I notified BOA right away, and closed the credit card. My wife filed the police report right away. When we talked to the BOA fraud department, they said that they mailed out duplicate copies of the credit cards ( without our permission and without notify me ) on the week of XX/XX/XXXX. Our family happened to be out of town that week, so we put the mails on hold. According to the BOA record, the mails with the duplicated credit cards was delivered on XX/XX/XXXX, the date that the mails were on hold at our local USPS. I never receive those duplicated credit cards when we come back. This is the evidence that the local USPS lost this particular mail. 
I file the fraud claims, and the claim was declined. I re-appealed and asked for re-evaluation and faxed in the police report. BOA still declined my fraud claim, and refused to give me back the credits for those fraudulent charges. I asked BOA to provide evidence of the merchant receipt of those charges to show the signature. BOA can't provide the proof. BOA stated the reason is that I have made purchases with the same merchants ( XXXX ) before ; therefore, those are not fraud charges. This reason is totally unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -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 reporting, credit repair services, or other personal consumer reports

I am unable to get my credit report from any of the three companies. I can not therefore place a fraud alert on my credit file, and I have reason to believe my identity has been stolen. ;
Product: Mortgage

Hello, I got an email saying Mr. Cooper would beat another lender 's closing costs by {$500.00} or they would send me {$500.00}. I got sent in everything my loan officer requested and he came back with not being able to beat the other lender. I asked about how to redeem this offer I had and he said I would be emailed how to redeem this in a little bit. He acknowledged I should receive this since they couldn't beat the other lender. I never received this. I followed up multiple times with my loan officer. He called me once and said the email should have been sent and he would try to get a copy of what the email would look like. I followed up via email and then I never heard back from him. I followed up on the following dates and have attached the email thread showing this : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Please investigate first why I am being ignored by this loan officer and also why I haven't received my {$500.00} yet.
Product: Debt collection

A few years ago I allowed a friend to stay with us until she could get on her feet. She stayed in my office so she had full access to all my info. She opened a account with XXXX payment solutions to invoice people for a product she was selling from XXXX. It was a lash growth product called XXXX. I knew she was selling this to all her girl friends at the cosmetic department. I guess she went much further. By the time I became aware of the situation XXXX shut down the account and fined me {$30000.00}. Which seemed like a scam. I tried to explain but by them this woman had disappeared. I have tried to talk to these people to no avail! They turned it over to a consolidated recovery group. They are very aggressive and basically laughed. They put this huge collection on my credit report, which I worked diligently to have removed. I finally succeeded and now are threatening a lawsuit. I have looked this company up and the have tons of complaints. Please help me to get rid of this once and for all. 
XXXX XXXX XXXX