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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Debt collection

I have repeatedly requested the company to cease and decist contact with me until they correct the fraudulent charges that they placed on my credit cards and also for them to correct the damage that they are responsible for on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my credit report as identity theft. The items are not related to me or any transactions completed by me. I reached out to Equifax numerous times to remove the inaccuracies, and each time I'm told that they were either removed or never received the dispute. I filed a complaint with CFPB on XX/XX/2022, including copies to Equifax. I have been going back and forth with Equifax since XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/XXXX, I submitted a dispute to each of the major credit reporting agencies to report me being an identity theft victim. Despite the submission of all supporting documents required by the reporting agencies and the FCRA sec 605b for victims of Identity Theft, there has been no action taken yet.
Product: Credit reporting or other personal consumer reports

THESE HARD INQUIRIES ARE NOT MINE, PLEASE HELP ME TAKE THESE OFF FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I filed a request to have several accounts deleted through the CFPB dispute system, refer to attached previous CFPB forms. 

I had also sent to all three credit bureaus via mail these same accounts to be disputed as well to XXXX, TransUnion, and XXXX  with no " investigative results report ''. TransUnion replied with a standard credit report, which was not requested, but an " investigative results report '' is what I should have received. Read the Trans Union cover sheet dated XX/XX/XXXX and the initial paragraph narration, its just a printed credit report. Refer to attached TransUnion cover sheet. 

Also, there are multiple addressses on my file that are not mine. I have disputed these addressess with XXXX, XXXX  and TransUnion with no results or cooperation.
Product: Credit reporting or other personal consumer reports

Equifax XXXX and XXXX failed to remove the disputes I had on collections and hard Inquires on my report in results violating 15 usc law 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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. Please Update the following accts as the balance are wrong. Some of these have not been updated since XX/XX/2022. XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received my consumer report and noticed Experian is furnishing a Bankruptcy from the US BKPT CT IL XXXX, as stated on my consumer file attached herein. I received a correspondence from the IL Bankruptcy Court ( attached herein ), explaining that they in fact do not report any information to the credit bureaus as stated in the letter. 
Pursuant to 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 under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
The law states that you may furnish my consumer report as a permissible purpose in accordance with the written instructions of the consumer to whom it relates, and no other. Did you receive any written instructions from my person, XXXX XXXX?, detailing you to report this account reference # XXXX? You are intentionally furnishing this account unscrupulously without any permissible purpose under 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Furthermore, 15 U.S. Code 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) - Protection of nonpublic personal information I have a right to privacy ( which you are fringing upon ), while you ( Experian ) has an affirmative & continuing obligation to respect the privacy of its customers as it is the policy of the Congress. It is your obligation to abide by the appropriate standards that relates to administrative, technical, and physical safeguards to the rules : ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

You are defaming my character by publicizing my information that I did not consent to your company furnishing, which you accessed this record from the PACER database or through the bankruptcy clerk 's office, which you have no right to do so. Since you did not disclose to me that I have the right to opt out of you furnishing my information under 15 U.S. Code 6802 ( a ) ( b ) ( 1 ) ( a ) ( b ) ( c ) - Obligations with respect to disclosures of personal information, I hereby exercise my rights to privacy and demand you to delete this account off of my file as you are causing me substantial economic hardships to my person, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

I purchased two airline tickets on XXXX XXXX through Chase XXXX, on my Ink Business credit card. This was a trip with three flights on XX/XX/XXXX. 

Due to a maintenance issue with the plane, our second flight was delayed, causing us to miss our final flight. 

Per XXXX XXXX ' policy, they issued a refund for that leg of the flight. On XX/XX/XXXX, XXXX issued two refunds of {$130.00}, for a total refund of {$270.00}. 

However, this refund never showed up on our Chase credit card account. 

I sent Chase a message on XX/XX/XXXX and never got help. 

I called Chase 's customer service line on XX/XX/XXXX. The agent said she did in fact see the refund from XXXX XXXX. She said she would submit a ticket to accounting to credit the refund to our account within a few days.

It is now ten days later and the credit has not been issued. I have sent multiple messages to Chase, and all I get back is " I forwarded your message to the appropriate department. You should receive a response within five business days, '' but I never get an answer.

This is unacceptable.
Product: Money transfer, virtual currency, or money service

My Name is XXXX XXXX and I have been using Square ( Cash App ) for almost 4 years. I have my XXXX XXXX   debit card and account number linked to this app. I have never had any problems using this money transfer app. I send my roommate ( XXXX XXXX ) my portion of our house bill via Cash App every month. 
However, On XX/XX/2019 around XXXX, I tried transferring my portion of our bills ( {$380.00} ) to XXXX XXXX via Cash App. I opened my Cash App account, l went to recent activity, I selected XXXX XXXX  name, which was on top my recent activity list, and I sent the money. He accepted it right away ; He replied with a thumb up. On the following day, while I was at work, my roommate, XXXX XXXX called me and asked for my portion of the bill. I told him that I had sent the money yesterday via Cash App, I told him that he even replied with a thumb up. He said, " let me check, I don't think I received any money or replied to you yesterday. After checking his Cash App account, he said to me that he did not receive the money. I opened my Cash App account and checked the transfer. I realized that there were two XXXX XXXX  accounts. I knew right away that I was scammed because I have only been sending money to one XXXX Account. I realized that someone created a fake account using my roommates information. The Scammer also appeared on my recent activity list, which I could not understand. I was confused and wondering how could his be possible. 
So, I contacted my bank, XXXX XXXX right after I got off the phone with my roommate and told them not make payment to the transfer. I explained to them the whole problem. The Fraud Specialist told me that they couldnt stop the payments or investigate the matter. I would have to contact Cash App and tell them to initial a dispute. 
I emailed Cash App ( Cash Support ) and told them everything. They told me that they are Cash App is unable to initiate disputes with a customers bank on their behalf. 
After making several phones calls to XXXX Fraud department and exchanged many messages with Cash App support group, both companies made it clear that  they were not going to investigate my case. 
So, I did XXXX all weekend ( XXXX XXXX XXXX XXXX ) to pay my portion of the bill. I made XXXX and I added other money that I had in my XXXX account. I went to my Cash app account, this time I was more careful, selected the right XXXX XXXX account, I transferred {$380.00} to his account. I was confident that this time he would get the money. Also, I had transferred {$20.00} to XXXX XXXX via Cash App on XX/XX/XXXX and it was successful. Unfortunately, the money went to the scammer. This was more confusing, because I selected the right account. I contacted XXXX Fraud right away and Cash Support. Both said they could not help. 
I lose a total of {$770.00} ( {$380.00} * 2 ). I will close both accounts as soon as I get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, XXXX alert that Equifax received an attempted ( Attempted Bank/Credit card inquiry ) inquiry about my credit score from XXXX XXXX XXXX  ( assuming XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX. This inquiry was blocked by my, self imposed, credit lock ( XXXX Credit lock ). I called XXXX XXXX and they denied any inquiry was made about me. 
XX/XX/2021, second XXXX  alert that showed an Equifax inquiry was made from same bank above and XXXX XXXX XXXX  XXXX XXXX got a copy of my Equifax credit report XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX VA XXXX. I again called XXXX XXXX bank and they again assured me they made no such inquiry and was instructed to call Equifax. 
I called Equifax and they confirmed the inquiry from XXXX XXXX Bank and i was then instructed to file a fraud report to the FTC and was redirected to this filing internet page. 
In order to remove the fraudulent/inadvertent inquiry I was instructed to send copy of this report back to Equifax.
Product: Credit reporting or other personal consumer reports

I recently opened a XXXX with XXXX XXXX XXXX XXXX ( Account XXXX ). The Bank never sent me any statement, nor they e-mailed these. When I found out that I was 60 days late on my payment from the Credit Bureaus, I contacted the Bank. They informed me that these statements had been deposited to my online access space, of which I was unaware as the XXXX XXXX XXXX XXXX had been acquired by XXXX  and they were still transitioning through their new XXXX. Suffice to say that I paid the balance and put the future payments to Auto-debit. 

I have thus far contacted the Bank, and even my relationship XXXX, XXXX XXXX, to no avail. I have never been late or defaulted on my obligations, and I find this instance and lack of their response rather malicious.
Product: Checking or savings account

I don't remember exactly dates, I had an account during the time in question of XXXX and had many overdraft fees charged among disputes that weren't received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed unfamiliar accounts on my credit profile. I have filed an Identity Theft Report ( Please see attached )
Product: Credit card or prepaid card

I called their rep - XXXX from the Montana call center to discuss and they refused to reverse the {$1.00} they charged me. NO where on my statement has their been any indication of any balance subject to interest charges. So when I reviewed the statement I saw nothing in balance subject to interest and nothing in the interest charges. They put the {$1.00} in " FEES '' but it amounted to a minimum interest on {$11.00} which they failed to disclose for XXXX credit card statements that there was a balance subject to interest. It was not readily apparent due to the fact that there is also a large balance which was at 0 % interest for which I already paid a fee and there was not to be any more fees. 
I believe they should be placing any balance subject to interest clearly on the statement. They failed to do that. All balances subject to interest were listed as XXXX XXXX XXXX XXXX. They did that for XXXX statements, charging me {$1.00} XXXX times. 
And they advised they will also charge me again.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported by your company in my consumer file. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate information and have the right to be notified when such information is being furnished or used.

**Details of the Dispute : ** - **Account Number/Reference : ** XXXX XXXX XXXX XXXX XXXX  Upon reviewing my consumer report, I found that the above-mentioned information is incorrect. The details provided are either outdated, incorrect, or completely irrelevant to my financial history. Furthermore, I was not given any prior notice or opportunity to dispute this information before it was furnished or used, which constitutes a violation of the FCRA.

**Violations of the FCRA : ** 1. **Failure to Provide Notice of Furnishing Negative Information : ** According to 15 U.S.C. 1681s-2 ( a ) ( 7 ), a furnisher of information must notify the consumer of any negative information that is being reported to a consumer reporting agency within 30 days. I did not receive any such notification regarding the information in dispute.

2. **Failure to Conduct a Reasonable Reinvestigation : ** Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute from a consumer, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that no such reasonable reinvestigation was conducted concerning my dispute.

3. **Reporting Inaccurate Information : ** The FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), mandates that furnishers of information must not provide any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The information being reported in my file is demonstrably inaccurate.

4. **Failure to Disclose Information : ** According to 15 U.S.C. 1681g ( a ), I have the right to be informed of all information being reported about me. The failure to provide complete and accurate disclosure of the information constitutes a violation of this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit profile i realized  Tower Loan System  placed a inquiry on   XXXX   XXXX   that I had no knowlege of. I contacted them on several occasions asking for copies of the signed documents and identification used on my behalf . Tower Loan  never responded which clearly violated " FCRA ' ' 609 ( e ) ( 15 U.S.C. sec1681g ( e ).
Product: Credit card

so back on 2020 I stayed at the XXXX XXXX XXXX XXXX I had a price when I booked my hotel which I sent in all the proof to amex the hotel charged me XXXX over the price and the hotel claims its right and I have proof showing my booked charges which I sent to Amex and they still refuse to honor my dispute this hotel charged me XXXX over my price and I want that back. The hotel is wrong here and they completely overcharged me I tried to dispute this a 2nd time and amex closed my dispute wrongly saying that I closed I never did it close and when I call about they say they closed it because there was not enough info and when ask them what info they are talking about they can't explain I had a manager call me twice when I was at work to resolve this and they have not called back since I want the XXXX credit back on my account that amex overcharged me.
Product: Credit reporting or other personal consumer reports

I REQUESTED ON XX/XX/23 I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

I REQUESTED ON XX/XX/23 I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 


I REQUESTED ON XX/XX/23 I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately .CREDITOR DID NOT UPDATE MY ACCOUNT THAT A PROPER investigation WAS MADE. THE COMMENT SECTION ON MY CREDIT REPORT AS OF XX/XX/23 HAS NOT UDATED SINCE MY FIRST DISPUTE ON XXXX PAYMENT STATUS IS LATE 60 DAY AND THE ACCOUNT IS PAID AND CURRENT. UPDATE TO PAYMENT NEVER LATE OR REMOVE FROM MY CREDIT REPORT FOR FAILURE TO COMPLETE AN investigation ON MY ACOUNT
Product: Credit card

On XX/XX/XXXX, I fell to a text phishing scam where the scammer pretended to be XXXX and asked me to enter my credit card information. I realized the scam minutes after falling to it using my Chase Sapphire Reserve credit card and proceed to lock the card and request for a replacement. 
The new card arrived, but the fraudster was still somehow able to steal my card and make a fraudulent purchase at XXXX which I did not authorize nor share information about the new credit card number I received. 

I reported this fraud to Chase, and yet Chase now says this was not considered a fraud and refuse to rebate credits, despite the following policy clearly written on their website under Zero Liability Protection : You wont be held responsible for unauthorized charges made with your credit card. 

I 1 ) did not authorize the fraudster to use my card information for making purchases at XXXX, 2 ) did not share any information about the new credit card I received from chase, where the unauthorized purchase happened with, the fraudster have effectively stolen the new credit card I received from Chase Chase is lying to consumers about their zero liability protection program, despite clear evidences of fraud. I have also filed a police report to the XXXXXXXX XXXX XXXXXXXX soon after the fraud happened, case number XXXX
Product: Debt collection

On or about XX/XX/XXXX a representative from Capio Partners, XXXX ( CRL ), contacted me saying XXXX XXXX XXXX XXXX had sent to them three bills that I needed to pay immediately. I disputed these bills and stated I had paid XXXX XXXX for all services they had provided. The representative from Capio gave me an email address, XXXX, to write a formal dispute to Capio Partners. Following is a copy of the email sent on XX/XX/XXXX XXXX XXXX  : Recently I received a call from XXXX ( CRL ) concerning three bills from XXXX XXXX XXXX in XXXX, XXXX. The amounts and dates are as follows : {$1100.00} XX/XX/XXXX {$650.00} XX/XX/XXXX {$450.00} XX/XX/XXXX I never received any billing from XXXX XXXX for these charges. They have never communicated with me concerning any further charges. I paid all bills received from XXXX XXXX and owe them nothing. Furthermore, I have found the billing practices at XXXX XXXX too be less than honest. I am disputing these charges and any other charges that may come from this organization. 

Thanks, XXXX XXXX XXXX is their response sent to me on XX/XX/XXXX at XXXX XXXX  : Dear Sir or Madam : In response to your recent inquiry, an itemized statement is being requested and will be mailed to you upon receipt. Please consider this request could take time, so your patience is appreciated. 



Thank you, Capio Partners This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Calls to and from this company may be monitored or recorded for quality purposes.

You may opt out of receiving e-mails at any time by sending an e-mail request to XXXX. 

To date I have not received any response from Capio Partners or XXXX XXXX XXXX XXXX. I consider their lack of response harassment.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Debt collection

My identity was used at this hospital Im not aware of this account nor bill.
Product: Credit reporting or other personal consumer reports

Okay you want to play the id game? Acting as though I haven't sent you my copies of ID repeatedly over the last 18 years. This time, because of the cfpb I will have documentation that I sent you copies. 

You can also watch this video. It's posted on multiple sites. I am tired of your games. 

XXXX XXXX XXXXXXXX You might have to copy and paste I don't know if there's a hyperlink available on this. 

XXXX XXXX