23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Seven checks were forged on my account. Two were cashed and then the funds returned for insufficient funds. Three more were returned for insufficient funds and I was charged for bounced checks. Two more were cashed and I have not been able to recover the funds. The total amount stolen from me was {$17000.00}. Of that {$11000.00} was returned because of the insufficient funds.
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  Account : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This creditor has violated my rights under 15 US C XXXX section 602. States I have the right to privacy 15 US C XXXX section 604 A section 2 it also states a consumer reporting agency can not furnish an account without written instructions under XXXX XXXX XXXX accreditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to a previous complaint I made against Equifax on XX/XX/2021 case # XXXX. In my initial complaint which I will attach for reference, I sent Equifax a dispute demanding alleged accounts be deleted from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Pursuant to 15 USC 1602 ( l ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction being disputed with Equifax. These disputed transactions should be removed from my consumer report immediately pursuant to 15 USC 1681a ( 2 ) ( B ) as they are in violation of my rights as a federally protected Consumer under Title 15 Chapter 41. I mailed Equifax this correspondence which they received XX/XX/2021 and here it is now 2 months later and I have not received the results of my dispute. My reputation has suffered tremendously from the reporting of these fraudulent accounts. Equifax is civilly liable pursuant to 15 USC 1681n so once again I am demanding that these alleged and disputed accounts be immediately deleted from my consumer report and I am demanding to be compensated for each disputed account in the amount of {$1000.00} per disputed account totaling {$15000.00} and I would like this compensation via check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies, creditors, and collection agencies are in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about TransUnion. We request our free report which is nebulous and incomplete without the credit score. This is an abuse of process the government allows to credit reporting companies while looking the other way and ignoring the point and purpose of the Fair Credit Reporting Act. What is considered a " full credit report? '' Without the credit score it is meaningless. These Credit Reporting Agencies exist independent of the government while enjoying protections more powerful than the people whom they can control and destroy with their entries. The government is created to protect our rights, not violate them. If the government continues to make exceptions for huge monopolies such as the credit reporting agencies then these credit reporting agencies actually have more power than the government.
Product: Debt collection

Credit Control LLC is trying to collect and incorrect amount of {$150.00} which they justified by saying it has non-interest fees charged.
Product: Consumer Loan

I had applied for and received an Autoloan through Chrysler Capital. At the time, as it is now, I had been receiving monthly income of approximately {$730.00} a month. They in turn issued me a loan at 21 % over 6 years at {$400.00} dollars. I am also required to keep full coverage on the vehicle. Perhaps I was too optimistic on my ability to repay the loan, but I have rapidly found out that this was a tremendous financial burden on my situation. Currently, I have been unable to afford my other debt obligations and these loans have become delinquent. I intend to do my best to maintain the car payment, however I am concerned that this loan may have been issued with the expectation that I would not be able to maintain what for me, is an aggressive repayment. I have attempted to contact the lender to discuss my situation. They have stated that they are currently unable to work with me but more importantly that they have no intention of working with me to achieve a long term resolution.
Product: Checking or savings account

Sofi didnt credit my account for an instant transfer from XXXX initiated on Friday the XXXXtXXXX and fraudulent claimed it was deposited on the XXXX of XXXX as to not have to pay me. I provided the exact time and date of the transaction and reference number and customer service disappeared. They are blatant scammers Deposit Amount : {$98.00} Date of Deposit : XX/XX/24 at XXXX XXXX Bank Name : XXXXXXXX XXXX Last 4 of debit card : XXXX Retrieval Reference Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the handling of a dispute I initiated with TransUnion concerning the late payment history on my XXXX XXXX auto loan. Instead of correcting the inaccurate information, TransUnion removed the payment history entirely, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). 

1. Background and Dispute Process I noticed that my TransUnion credit report contained inaccurate information regarding late payments for my XXXX XXXX auto loan. Specifically, there were late payments being reported inaccurately. In response, I initiated a formal dispute with TransUnion, requesting an investigation into the inaccuracies. 

However, instead of addressing the inaccuracies by correcting them, TransUnion removed the entire late payment history from my credit report. This removal is problematic because the information, while inaccurate, was still a part of my account history, and removing it entirely does not reflect the actual status of my account. 

2. Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, TransUnion, as a credit reporting agency, is obligated to : Ensure accuracy and completeness of reported information ( Section 1681e ( b ) ) : Credit reporting agencies must implement reasonable procedures to ensure the information they report is accurate and complete.

Conduct a reasonable investigation ( Section 1681i ( a ) ) : When a dispute is filed, credit reporting agencies are required to investigate the disputed information and make corrections if necessary.

Correct or delete inaccurate or incomplete information ( Section 1681i ( a ) ( 5 ) ) : If an item on the credit report is found to be inaccurate or incomplete, the credit reporting agency must either correct the information or delete it, but this must be done with accuracy in mind. 

XXXX removal of the late payment history, rather than correcting it, appears to be in violation of these provisions of the FCRA. By removing the information entirely, they failed to ensure the accuracy and completeness of my credit report, as required by the law.
Product: Money transfer, virtual currency, or money service

Yes, I am making a complaint on XXXX XXXX against Cash app ( Block inc. ) They have left my account vulnerable and unprotected, which violates the consumer financial protection act ( CFPA ). They have failed to prevent and address the fraudulent activity on their platform and they havent taken the effective measures to prevent it from happening in the future. Furthermore, their dispute resolution process was oddly flawed 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 hardships, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an identity theft and police report to Experian, XXXX  and XXXX  and they still have not processed anything. I am a victim of identity theft and there is a XXXX XXXX loan and a XXXX XXXX credit card that do not belong to me showing on my report. Please help me remove these items off my report.
Product: Credit reporting or other personal consumer reports

I am aware that my SSN belongs to the ( XXXX XXXX Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EQUIFAX ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data XXXX XXXX XXXX XXXX for the account opened XX/XX/XXXX with account number XXXX, XXXX XXXX XXXX XXXX for the account opened XX/XX/XXXX with account number XXXX, XXXX XXXX  XXXX for the account opened XXXX XXXX with account number XXXX. Failure to remove the accounts in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( EQUIFAX ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Product: Debt collection

Midland XXXX XXXX and XXXX XXXX with the same midland company over these debts. I sent a letter for me to appear in court never have I opened an account with them but I noticed it was the same place I only receive oil changes. I requested the information and before I received the information I received a letter saying Im being sued for XXXX I just dont know what to do next.. I report fraud and I also froze my credit report.
Product: Credit reporting or other personal consumer reports

Experian failed to investigate my disputes, they did not accept my documentation and will not let me dispute things that's already been disputed. This has negatively impacted my credit score, my job screenings, and my housing options.
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 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 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 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 or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer XX/XX/XXXX : Contents of Complaint : 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 Acct # XXXX Open Date XX/XX/XXXX ( private ), an auto loan account opened at XXXX XXXXXXXX XXXX  Acct # XXXX Open Date XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number 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: Debt collection

Hi, I Didn't not realize that someone else has stolen my identity until a few weeks ago when I keep getting alerts on my XXXX XXXX account. I then proceeded to check into my credit report and seen that someone has been using my identity and started opening accounts under my name. I have all ready made a report with Experian. About this identity fraud. 

Thank You, XXXX XXXX
Product: Credit card or prepaid card

This Netspend card I received I got it from XXXX XXXX where I do my taxes at to get my refund deposit to me I called to check the card and my balance was on there I tried to use it It stated that the card is invalid so I called Netspend the company and they stated they closed my account out without notifying me and that I can not use there services this is my first time ever having this card company and they have my money just sitting there then I was told I could not speak to the fraud department because they dont have a number I can reach them and thats who closed my account out that department also I called several times and they gave me the run around to tell my they have to issue me a check within seven to ten business days because the account was closed out I ask them is there a tracking number they told me no I said is there a check number they told me no and to call back XX/XX/XXXX to see if it was processed This is my money I know there are other options they have to get my funds to me I ask do they have over night shipping they said no they dont I just have to wait the time this is my money and they are very unprofessional disrespectful and do not know the knowledge of there business customer service is lost keep transferring me all over I keep hearing different things they said they was going to send me email confirmation I havent received that either I really need my money its a lot going on as it is bills and rent bagged up lack of work cause the pandemic and now this happens I would recommend this company to no one please I need someone to help me on this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Information regarding Delinquent account with XXXX XXXX, which I have no knowledge of, is on my Credit Reports at all three agencies. I have filed disputes with Experian, XXXX and XXXX, but the information remains. I have contacted XXXX XXXX on XX/XX/2022 and spoke with XXXX. XXXX attempted to look up information using my identifiers ( Name, SSN, DOB ). She was unable to find any account under my name. I am requesting that this information be removed from my credit file and have been unsuccessful.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Repeated phone calls from several numbers claiming to be from National Enterprise Systems. I have no debts with anyone - I have not received any written notification about any debts owed. I have tried calling back and get automated voice messages and can not resolve any matters. 

I have blocked at least 3 different numbers from this company and they continue to call.
Product: Credit reporting or other personal consumer reports

I am writing to report that my personal information has been stolen and used fraudulently to open accounts in my name. I discovered this issue on [ XX/XX/XXXX ] when I was notified of [ unauthorized activity, e.g., new accounts, credit inquiries, ] through source of notification, such as a credit report. 
I did not authorize the opening of these accounts, and I am concerned about the impact this may have on my credit and personal finances. 

XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Money transfers

i need to transfert a money like international transfert money to XXXX to take a bank
Product: Checking or savings account

XX/XX/year> Provisional Credit ReversalXXXX # XXXX {$110.00} XX/XX/year> Provisional Credit Reversal-XXXX # XXXX {$110.00} Provisional credit added twice then they removed it without sufficient notice. They took the funds back without warning the accountholder 72 hours prior to taking the funds back. 

When a bank makes and error the accountholder should win. And they were so shady about it to, not informing the account holder of their intentions. This is not a right of offset situation where their negligence to put a deposit into the wrong account. 

A. They credited my account twice, error number XXXX XXXX. They removed funds without informing the titled account holder with sufficient notice. They tried to cover up their error by not informing the titled account holder then removed funds without disclosing intent. 

This is not an off-set situation. The situation started with a bank error, they added money to an account when they should not have. Then they removed it without warning. Makes one ask, where was the money supposed to be and why are we so careless with our accounting? Or was this some kind of scheme, are there darker secrets at this bank? Should they fall under federal audit? How secure is this bank if they can add to and take funds without consumer notification and warning. 

Banks are required to inform account holders before removing fundsXXXX. The legal basis for withdrawing funds from an individual 's bank account relies on authorization and consentXXXX The Electronic Fund Transfer Act ( EFTA ) in the United States requires companies to secure explicit permission from account holders before initiating electronic withdrawalsXXXX. 

https : //www.fdic.gov/consumer-resource-center/financial-privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the following accounts : XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX  XXXX  # XXXX Please provide method of verification with physical proof. As I was never late on these accounts.
Product: Credit reporting or other personal consumer reports

Transunion is reporting two different credit scores to me and to creditors and not updating my credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing is reporting incorrectly a balance of {$150000.00} to XXXX ; XXXX and XXXX on the SPEC LOAN SV partial account number XXXX. The actual balance is {$28000.00} pursuant to the statement dated XX/XX/2019 from Specialized Loan Servicing. ( Please see page attached from my credit report as well as the statement dated XX/XX/2019 from Specialized Loan Servicing. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer needs to be reporting and therefore it needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful. This incorrect reporting is harming my credit score.