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

I did not authorize anyone employed by XXXX XXXX  ANY OTHER COMPANY, and including EQUIFAX, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Equifax  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX  did, and this in addition to several other inquiries started after the Equifax data breach publicly known.
Product: Debt collection

I contacted Capital One in XX/XX/XXXXabout some fraudulent activity on my account. Nothing was addressed until XX/XX/XXXX when I filed a complaint with the CFPB. Through the investigation, the credit card company credited my account for the purchases made on my account. In XX/XX/XXXX, the CFPB received notification from Capital One that they had granted me monetary relief for approximately XXXX which would cover the amount of fraudulent transactions. The CFPB believed the complaint to be settled and closed the complaint. There was neither any explanation nor indication that any of the previously credited money would be returned onto my card. 
Reference number : XXXX Capital One received payments from two different bank accounts not in my name and not controlled by me. They confirmed and approved the deposits which made it appear that the account was active, up to date, and able to be used. Three months later, after the purchases were made, the deposits were returned. It is not my fault that Capital One did not do due diligence and accepted monies from what were presumably stolen bank accounts. Had Capital One not approved the deposits, the purchases would not have gone through. There was no indication that there was anything wrong with the account until the payments were returned in XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On two occasions ( XX/XX/2020 and XX/XX/2020 ) my daughter sent me {$150.00} and then {$2000.00} thru Cash app. Neither were deposited in my account. Contacted cash app thru XXXX. They responded by saying " On Tue, XX/XX/2020 at XXXX XXXX Cash App Support XXXX wrote : Good morning XXXX, XXXX here with Cash App, I do apologize for the delay. I'll be taking over your case for XXXX and want to help explain the best steps to take from here. 

At this time, our payment operations team was unable to reverse the deposit. As a next step, weve attached a document confirming your {$2000.00} payment was successfully deposited to the bank account ending in XXXX. 

Please provide this to the ACH department at the bank to locate the funds. All financial institutions, including this bank, use the ACH network to move payments to and from bank accounts. The trace information provided includes a Recipient ID and Trace Number that the ACH department must use to locate these funds. 

If the bank states that the deposit was reversed back to Cash App, please ask them to provide the transaction details on a bank letterhead. 

If any additional needs come up, please let me know. I'm always here to help how I can. 

Warmest Regards, XXXX Cash App Support. 

I went to bank and got confirmation my funds were deposited so asked Cash app for the official dispute policy and have not heard back. ( My e-mail to them : XX/XX/2020, XXXX XXXX ( 3 days ago ) to Cash, me I did supply this to my back and they did not receive. 

I am attaching a copy of my statement showing no deposit was made for this {$2000.00} and the other {$150.00} in question. The account number is right so it looks like something happened from your end when you sent. 

We are going in circles here, please send me the official easy to complete a dispute thru Cash app. '' I have attached the details from Cash app with the ACH details. etc., and a copy of my bank statement. 


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

There are multiple inaccuracies being reported on my credit report and I have disputed them all through XXXX and XXXX along with the creditors. I have supplied my bankruptcy discharge paperwork that listed these specific accounts, and they keep re-appearing and damaging my credit. 

The credit bureaus keep stating that this information is " accurate '' but it is not. These accounts were all included in bankruptcy, and they keep getting removed and then re-appearing after a few months with a new creditor, but they are the same account, and the process starts all over again. 

XXXX XXXX XXXX : {$3200.00} through something called XXXX : This account is not correct because I have NEVER had them. I called XXXX and they failed to produce any proof that this account is mine. No contract, proof of my ID, proof of my address, absolutely nothing. In addition, they claim the account is from a period prior to my bankruptcy, which means this debt is included in the discharge and shouldn't be on my credit anyway. 

The following other creditors have been notified multiple times about being included in my bankruptcy and they have failed to stop reporting the debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vance and Huffman XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Credit reporting or other personal consumer reports

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 XXXXXX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT. MY PERSONAL INFORMATION WAS LEAKED IN MULTIPLE DATA BREACHES, WHICH RESULTS IN FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding has never sent me validation of the alleged debt that LVNV Funding has been reporting on my XXXX report since XX/XX/2023. I do not know where they received my private information. The collections account was reported open on XX/XX/2023 ; then by XX/XX/2023, LVNV Funding was reporting the account closed on my XXXX report still without validation and/or verification of this alleged debt. I have since then made a dispute with XXXX numerous of times and would like to know what investigation took place before LVNV Funding was placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were on my credit report as Charge off with balance : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.. the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXXXXXX XXXX XXXX XXXXXXXX {$4000.00}
Product: Credit card or prepaid card

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Money transfer, virtual currency, or money service

Trouble with Kraken!! I opened a Kraken ( crypto exchange ) account on XX/XX/year>. I transferred some money into the account using a wire transfer from a XXXX account. I then bought some crypto and attempted a purchase of some computer hardware using the crypto. I first transferred a small amount to test the connection and this went fine. I then transferred a larger amount to make the purchase. Kraken showed the transaction and took the crypto from my account but never sent it to the destination. I got no explanation and calls, emails, etc went totally unanswered. ( their customer support is only by email and is horrible ). After a few days of zero information from them, I get an email saying they are closing my account and demanding I sell all crypto in the account and transfer the money back only to the original bank that transferred money into the account from. They also stated that I could never open another account, essentially banned for life I guess. This was certainly a shock. Their email also stated that for security reasons, they could not tell me why they were taking this action. After a few more days and many unanswered emails and calls, I got a phone call from Kraken but it was little help. The person was very ill informed and stated things that were flatly untrue. First, he tried to say this account that I was purchasing from is a bad account and I would never get the hardware. This is untrue as I've had several friends purchase from this exact same account and have received hardware with no problems. Second, he stated it was illegal to purchase things overseas with XXXX! This is also untrue - people purchase things every day from companies like XXXX and many other overseas companies with many forms of currency. Third, he tried to say this looks like money laundering, which is also flatly untrue. Money laundering is taking money obtained illegally ( " dirty money '' ) and making purchases to make it look " clean ''. My transaction is exactly the opposite. I took money from a XXXX account and made a purchase with some crypto. The person was seriously ill-informed and was zero help and had a horrible attitude. I tried to comply with their demands to close the account but now they've held up this transaction also and are keeping my money and keep asking for more personal information that is none of their business ( now they want a full XXXX  statement of my account ) I was transferring the entire amount right back to XXXX  like they demanded and still they will not transfer. I also demanded they refund all my fees from them since they caused all this ( {$390.00} ) but they will not respond on this demand. They've also never explained a reason for their drastic actions and treatment of my account. They act as if they are unaccountable to anyone and can do as they please with peoples money.
Product: Payday loan, title loan, personal loan, or advance loan

I opened a line of credit with XXXX. Despite making regular payments my request for additional withdrawls against the line were denied multiple times. This put my business in distress. 

Then I found out that the line of credit was not only converted to a 12 month loan with zero notice but that that the ACH pulls on my account were going to be doubled until the loan was paid off.

These pulls put my business in further jeopardy. When I called the company to figure this out I was told point blank : 1. There was no way to excalate my call to a decision maker.

2. There is no way to refinance the balance due.

3. They are going to ding my personal and business credit.

So what am I supposed to do? Allow Goldman Sachs put me out of business? Not acceptable.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries on my credit report for the second time. Despite my previous correspondence and submission of the required documentation, including the FTC Identity Theft Report, these unauthorized inquiries remain on my credit file. Upon contacting the respective institutions, it was confirmed that these inquiries were made in error. Additionally, I have been assured that these inquiries would be promptly removed from my credit report. However, it has come to my attention that, unlike your bureau, both XXXX and XXXX no longer report these unauthorized inquiries subsequent to the submission of the FTC report. It is perplexing and concerning that your bureau continues to report these inquiries despite clear evidence of their fraudulent nature and assurances from the involved institutions. According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes, promptly reviewing all relevant information provided by the consumer. 
I am requesting an immediate reinvestigation of these unauthorized inquiries. This investigation must include a detailed review of the method of verification employed by your bureau to substantiate the continued reporting of these inquiries. If your bureau can not provide conclusive proof that these inquiries were authorized by me, they must be deleted from my credit report without delay. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The bank started missing wire payments last year for no apparent reason. Most recently, they froze all of my accounts because of one credit card transaction they flagged as fraud ( which was a legitimate transaction ). Then froze my accounts again over night for the same issue because a bank employee didn't read the notes of the resolution ticket. I had to call back again to unfreeze the accounts. Next I logged into my XXXX XXXX account and tried to initiated a transfer of {$5000.00} into XXXX XXXX  from my USAA account, which I have done successfully 3 times previously, and the linkage was already set up. USAA rejected the funds transfer again telling XXXX XXXX that my accounts were frozen for withdrawels. I call USAA back again and they stated that none of my accounts were blocked and there was no explanation for the rejection of the funds transfer. So basically USAA is preventing me from taking my own money out of my USAA account. I think that should be illegal.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report in accordance with my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ). It has come to my attention that my credit report contains inaccurate and fraudulent information that I demand be immediately removed. 
Account Name/Issuer : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name/Issuer : BANK OF XXXX/ Account Number XXXX XXXX Account Name/Issuer : XXXX XXXX / Account Number : XXXX Account Name/Issuer : XXXX XXXX XXXX XXXX / Account Number : XXXX Account Name/Issuer : XXXX  / Account Number : XXXX  I assert that these accounts are fraudulent and was either opened without my consent or has been reported in error. As per Section 605B of the FCRA, I am entitled to have this erroneous information removed from my credit report immediately upon my assertion that it is fraudulent.I expect this matter to be resolved without further delay. If you fail to investigate this dispute or do not remove the fraudulent information from my credit report within 30 days, I will have no choice but to pursue further legal action. I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and may seek legal counsel to ensure that my rights are fully protected.Please confirm receipt of this dispute and provide written confirmation of the outcome of your investigation as required under the FCRA. I expect a swift and full resolution of this matter.
Product: Debt collection

Per the FCRA as a federally protected consumer I have opted out from any and all authorization ( unwritten, written, verbal, non verbal ) as per 15 USC 6802-05. A 1099-C hasn't been furnished as this account has been reported as a charge off which consists as income for the creditor comenity Bank. This violates FDIC, FDCPA and UCC laws. Sharing my information with a non affiliates third party ( MIDLAND CREDIT MGMT ) VIOLATES 15USC6802-05.
Product: Credit reporting or other personal consumer reports

They verified this account as mine despite the fact the information on the credit report is inaccurate. No accounts with XXXX account # XXXX or XXXX account # XXXX were verified using experian, XXXX and XXXX information.
Product: Mortgage

MULTIPLE ATTEMPTS WERE MADE TO 21ST MORTGAGE COMPANY ON REGARDS TO PAYMENTS THAT WERE BEING MADE, I WAS REQUESTING STATEMENTS OF PAYMENTS ( RECEIPTS ) TO KNOW WHERE WE STAND ON PAYMENTS/MORTGAGE. 21ST MORTGAGE COMPANY REFUSES TO SEND ANY INFORMATION VIA MAIL, EMAIL OR ANY TYPE OF PROOF AS TO WHERE MY PAYMENTS ARE GOING AND HOW MY HOME LOAN IS BEING PAID OFF.
Product: Debt collection

On XXXX XXXX, XXXX, FMA Alliance , Ltd. in XXXX, XXXX, contacted the ex-wife ( in XXXX, XXXX ) of the brother ( who has lived in XXXX XXXX since XXXX XXXX, and was formally divorced in XXXX ) of the alleged debtor who has lived in XXXX since birth in XXXX ) indicating an attempt to collect a debt in violation of the Fair Debt Collection Practices Act. This communication is not only clearly prohibited, but intended to harass, annoy, and embarrass the alleged debtor and his brother.
Product: Vehicle loan or lease

I purchased XXXX  XXXX XXXX from US Auto Sales in XXXX XXXX, w/ Gap Coverage never missed a payment payment were {$240.00} biweekly Ive been late once or twice and they shut off my care XXXX  times, threaten to repo down since the switch to XXXX they have been calling me nonstop for a payment of {$290.00} biweekly and my payoff amount has increased, added interest and threatening to repo my car for XXXX missing payment.. they dont have a current/ active contract and I dont have the gap coverage that was included in my lease that I now found out I never even had but was pay for this is an outrageous situation, Im stressed and dont know what to do
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a letter from Equifax confirming that the XXXX XXXX XXXXXXXX account ( partial # XXXX ) had been deleted from my credit report after my dispute. However, when I recently updated and reviewed my credit report, I discovered that this same account was reinserted without proper notification, in direct violation of the Fair Credit Reporting Act ( FCRA ). Under 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ), if a previously deleted item is reinserted into a consumers report, the credit bureau is required to notify the consumer within five business days of reinsertion. This notification must include the name, address, and phone number of the entity that provided the information. In this case, no such notification was provided to me, which is a clear violation of the FCRA. Furthermore, this unauthorized reinsertion raises concerns about the accuracy of my credit report under 15 USC 1681e ( b ), which mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. By allowing the reinserted account to appear again after its deletion, Equifax failed to meet its legal obligations to maintain an accurate report and prevent consumer harm. Additionally, Equifax has also disregarded my rights under 15 USC 1681i ( a ) ( 1 ) ( A ), which grants consumers the right to dispute inaccurate or unverifiable information. Once an account has been deleted following a dispute, the burden of proof lies with the furnisher or bureau to verify its legitimacy before reinsertion. In this case, no verification or explanation has been provided. This violation has caused unnecessary distress, confusion, and potential harm to my financial reputation. I am requesting immediate removal of the reinserted XXXX XXXX XXXX account, a full investigation into why it was reinserted without proper procedures, and confirmation that the credit reporting agencies are adhering to FCRA requirements to prevent further harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

ERC : XXXX, XXXX. XXXX  XXXX, XXXX, FL XXXX in XXXX this item appeared on my credit report ( ALL 3 ) stating I owed ERC a collection company, over {$700.00} for XXXX. It took me several attempts, and multiple disputes, as this was not my account. They finally deleted this incorrect information from my credit reports in XXXX. On XX/XX/XXXX I received a notice stating I owe XXXX {$770.00} and it has been placed with ERC for collection efforts, and has been authorized to report this debt to credit reporting agencies. Why is this nightmare re-surfacing??? It took me nearly 3 years to dispute, and resolve and have deleted and now they are trying to re-submit?? I feel this is a threat. And they are trying to get money out of anyone that will respond. This is NOT my account.
Product: Debt collection

The account with XXXX XXXX College amount is incorrect. The debt is being settled with the school but i have account credit services reporting on my credit report every month. This is effecting my credit and i was told by credit services reporting that they will accept a certain amount but im currentliy taking care of the bill with the school.