23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/25 I was approached by a man in a mall parking lot who offered to fix the dent and scratches on one of my car doors. We exchanged a few words and I went inside the mall to pick something up and once I went out back to my car to find the man had already done some work on my car. This was done without my consent or approval. I told him I felt uncomfortable and wanted to leave but he told me the work was basically done and told me that I owed him {$1000.00}. I was alone and felt pressured so I sent him the money via Block Inc. 's Cash App for my safety. I have reported this transaction to Cash App 's customer service department multiple times and each time I was denied with little reasoning and no proof of an investigation on the recipient and their account. Their transaction report form has very limited options which allows them to deny claims based on technicalities. There is also no option to speak to someone directly to resolve the issue.
Product: Credit reporting or other personal consumer reports

I spoke with all XXXX credit bureaus and XXXX XXXX about a XXXX XXXX bankruptcy thats showing on my credit that I never files also a bill from XXXX XXXX XXXX that I know nothing off. I would like for these XXXX items to be removed from all XXXX credit bureaus including XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through gross negligence regarding basic computer security standards, Equifax managed to reveal my personal information to hackers and potential malicious actors. Not only did it take them over a month to detect the breach on their own, it also took them a long time ( months ) to report the problem to the public. They have acted irresponsibly in informing the public, as I had to hear about the breach on the news rather than being informed by Equifax.
Product: Credit card or prepaid card

On XX/XX/2019, I completed a balance transfer online from a XXXX XXXX  credit card account to an HSBC credit card account. I contacted HSBC twice because the transfer has not been completed after over two weeks even though the balance of the transfer shows up on my new HSBC account. In the mean time, I am still paying interest on the XXXX XXXX   account. A transfer like this should not take this long. I don't think HSBC is making an effort to complete this transaction. I need help getting HSBC to do what they offered.
Product: Credit card or prepaid card

I received an AMEX gift card that was sealed in the original envelope from a family member whom ordered it directly from AMEX. When i went to use it there had been 4 unauthorized charges on the card that were not from me. I received the card a week ago ( XX/XX/XXXX ) but the charges were from XX/XX/XXXX and XX/XX/XXXX. This card was unopened in the original American express envelope. Amex would not do anything to assist with charging back the fraudulent charges and were overall very unhelpful. They told me to contact the store that the card was used at to have them reverse the charges. I am in the process of dealing with paypal to get all of the charges reverse but this extremely concerning that the sealed AMEX gift card credit card numbers were somehow leaked online and/or stolen. The only way i could imagine this could have happened would have been in the amex facility itself as the card was never opened or viewed by anyone else.
Product: Mortgage

On, XX/XX/XXXX XXXX XXXX XXXX ordered an appraisal of a property ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) in preparation for closing of a loan on this property slated for XX/XX/XXXX. I paid for the appraisal on XX/XX/XXXX in the amount of {$500.00} to XXXXXXXX XXXX XXXXXXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX notified me that they would not be approving my FHA loan. On XX/XX/XXXX, I applied for a FHA mortgage loan with XXXX XXXX. XXXX XXXX requested that XXXX XXXX XXXX forward the appraisal that was completed on the property so that they could include it in the loan package. XXXX XXXX XXXX provided XXXX XXXX a case number, and did not forward the appraisal. I also did not receive a copy of the appraisal that was supposed to be completed on the property, as agreed upon in the payment stipulations. Because XXXX XXXX XXXX did NOT forward the appraisal, a second appraisal was ordered and performed by XXXX XXXX XXXX on XX/XX/XXXX. As the consumer, I should NOT have paid for two appraisals on the same property and I am requesting a full refund of my {$500.00} from XXXX XXXX XXXX  for an appraisal that was not provided.
Product: Credit reporting or other personal consumer reports

I had this information removed from my credit report. It was re-inserted without me being properly notified. This is a clear violation of FCRA I have enclosed a copy of my consumer report from XX/XX/2022 where it was removed and a consumer report from today showing that info as being back on my report without following proper procedure as outlined by the FCRA. 

15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). 

( i ) Certification of accuracy of information - If ANY information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer - If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information- As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted.

( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

According to my records, your company has done none of the above and if you have, please provide dated proof that you have provided me with ALL the provisions above. If you can not do that, THIS IS A CLEAR, AND DIRECT VIOLATION of my rights as outlined by the FCRA. The item must be removed from my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I responded to a posting on XXXX for some bedroom furniture and a fridge. The prices were within reason and the individual who posted the items ( XXXX ) seemed legitimate. We discussed the items over XXXX 's messaging about 8 times, then switched to coordinating delivery of the furniture/fridge over text messaging and phone calls. I was even provided with the house address of where the furniture supposedly was : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. The number the individual was texting me from and called from was : XXXX ( a local number ). 

We agreed I was going to give 50 % payment upfront and 50 % on delivery of the items. We discussed various payment options and they suggested XXXX XXXX to a number : XXXX. I asked if XXXX would work- to which they said I could send it to their son " XXXX '' and gave me the number of XXXX. I made a test transfer of {$10.00}, they said they received it, then I transferred the remaining {$290.00} ( representing half the agreed amount ). They confirmed receipt and said they would deliver the items whenever i was ready. The next day I attempted delivery and found their profile to be deleted, all messaging to be deleted through XXXX, and they were unresponsive to texts or calls. I immediately contacted Chase bank 's fraud department and they said that XXXX is only supposed to be used to transfer funds to and from friends that you know ( even though it CLEARLY states on their website it is for " XXXX XXXX '' to merchants. The Chase representative said they can not recoup the funds because it was authorized by XXXX. 

This goes against the XX/XX/XXXX Consumer Financial Protection Bureau issued guidance stating that fraudulent XXXX transactions are considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. 

Chase has refused to refund the transfer of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this credit card account ending in XXXX for several months. 
On XX/XX/2023 I spoke with XXXX XXXX XXXX  XXXX team and claims team. This called was monitored and recorded. I let the agent know that this account was indeed fraud didn't belong to me. A few days letter I received a letter from XXXX XXXX XXXXXXXX stating that they have completed the review and my dispute was resolved and no additional action was needed and the account would be deleted from my credit reports within 30 days. 30 days has passed and the account is still reporting. TodayXX/XX/2023 I called and was told they never sent a letter in XXXX and the dispute was denied in XX/XX/2022 this call was also monitored.
Product: Credit reporting 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express Has been on and off fruadulently reporting me as deceased. they have been opening and closing accounts in my name for over a year now. i have disputed this with the credit agencies and despite the clear misuse of my report. this is a direct violation of several laws and my consumer rights. 

Dear [ CFPB ], I am writing to file a complaint against American Express for multiple instances of fraudulent activity and violations of my consumer rights. 

Specifically, Amex has marked me as deceased multiple times and reopened accounts without my consent. This activity has resulted in unauthorized disclosure of my personal information, inaccurate credit reporting, and damage to my credit score and financial reputation.

I have contacted [ name of credit card company ] to dispute the activity and demand that they cease any further illegal activity on my accounts. However, they have failed to address the issue to my satisfaction, and I am seeking your assistance in resolving this matter. 

The actions of [ name of credit card company ] violate several of my consumer rights, including my right to privacy, accuracy, fair credit reporting, the right to dispute errors, and the right to be free from fraudulent and illegal activity by creditors and financial institutions. 

I request that you investigate this matter and take appropriate action to ensure that [ name of credit card company ] is held accountable for their illegal activity. I also request that any fraudulent information related to their activity be removed from my credit report. 

Right to privacy : The credit card company 's actions may have resulted in the unauthorized disclosure of your personal information, which violates your right to privacy. 

Right to accuracy : The credit card company 's fraudulent reporting of your status as deceased and reopening of accounts without your consent violates your right to accurate and complete credit reporting. 

Right to fair credit reporting : The credit card company 's actions may have damaged your credit score and financial reputation, which violates your right to fair and accurate credit reporting.

Right to dispute errors : The Fair Credit Reporting Act ( FCRA ) provides consumers with the right to dispute errors on their credit reports. The credit card company 's fraudulent reporting of your status as deceased and reopening of accounts without your consent may have resulted in errors on your credit report that you have the right to dispute. 

Right to be free from fraudulent and illegal activity : The credit card company 's actions violate your right to be free from fraudulent and illegal activity by creditors and financial institutions. 


i would also like to add section 623 of the fcra does not allow for credit reporting agencies to continue to report false information due to litagation or any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous inquiries, through their dispute process, about a number of inaccuracies impacting both my XXXX credit report and score. Each time I have requested that they provide, in writing, contact information of the individuals used to verify the information so that I may follow up on my own. At no time has any of this information been provided outside of a notification that they investigated and nothing was done. No information on how, with whom, and through what method the investigation and subsequent validation occurred. Their information and reporting practices are so far off that their report and score comes in at XXXX points lower than my XXXX score and XXXX points lower than my Equifax score. XXXX and Equifax managed to be XXXX points apart while XXXX is almost XXXX points lower. Where obtaining credit is concerned, XXXX points can cost thousands of dollars in additional interest payments and this needs to be fully investigated, documented, and explained in detail. If that can not be done they need to remove the negatively reported and inaccurate items from my credit profile.
Product: Checking or savings account

In XXXX of XXXX  a XXXX  payment was made to a closed account and Chase first informed me that the charge would come back to my account. I waited a couple of days, and I never received the funds. I followed back up they told me to reach out to the other bank and I tried u they wouldn't give me any info. I never received my funds of {$220.00} back.
Product: Debt collection

I applied for a loan recently with a mortgage company. The LO communicated that I had a collection from XXXX XXXX, a XXXX XXXX representing XXXX XXXX. It seems the default/loan was made at a time when I was XXXX and I am sure I have never used their services nor have I ever contracted with them. I have made 3 calls to them, each time giving them the account number listed on my credit report and they keep asking me for my SSN, because for some reason they " can't find me '' in their system, giving them my name and the account number THEY are reporting to XXXX XXXX. This debt is simply not mine.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXXXXXX Consumer. I currently reside at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, which is in XXXX XXXX XXXX I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, Consumer. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting a copy of the XXXX form that was used to verify the identity of XXXX XXXX XXXX XXXX and a copy of the XXXX form. XXXX XXXXXXXX XXXX XXXXXXXX, is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said Consumer. 

Furthermore, XXXX XXXX XXXX XXXX. has taken over ( XXXX ) days allowed to conduct a reasonable reinvestigation as to whether the information is accurate and correct. CFPB complaints were submitted to XXXX XXXX XXXX and XXXX XXXX regarding this matter, CFPB case numbers : XXXX XXXX As of XXXXXX/XX/XXXX, the time to conduct a reasonable investigation has expired, therefore, this account must be deleted, expunged, purged, and removed from the databases of Early Warning Services and XXXX XXXX XXXX XXXX XXXX Failure to do so is a direct violation of 15 U.S.C 1681i ( a ) ( 1 ) ( A ).
Product: Vehicle loan or lease

I have a auto loan that seems to put interest at the front end of the loan and when I tried to refinance with my local credit union they said it appeared to be a predatory nature. 
I have had the loan for about 2 years now and only XXXX has come off the principal of my consumer portfolio services auto loan vs XXXX off the principal of my other auto loan in ten months. 
The sales person at XXXX XXXX in XXXX  Illinois stated the car had been inspected and several repairs were done that I later found out from another dealership that was in fact not inspected and I had to go through the extended warranty to have a new engine put in as well as being informed the tires were dry rotted and bald despite claims they had just been replaced. 

Since this transaction the XXXX has been let go from the dealership
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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 has violated my rights. 
I have already disputed these items but the bureaus did not remove nor validate them.

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

To Whom It May Concern, I am writing to dispute the following information on my credit report, I recently received a copy of my credit report, and i found the following inaccurate information reporting to my credit. 

Equifax Account # XXXX Account Name : XXXX Inaccuracy Information : Date of last Activity Reporting : XX/XX/XXXX XXXX Account # XXXX Account Name : XXXX  Inaccuracy Information : Date of last Activity Reporting : XX/XX/XXXX XXXX Account # XXXX Account Name : XXXX  Inaccuracy Information : Date of last Activity Reporting : XX/XX/XXXX How can all three credit bureaus have three different dates on the same account. The dates of activity are incorrect and does meet FCRA. According to he Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of FCRA - You are required to promptly DELETE all information that is inaccurate, incomplete or which can not be verified.
Product: Debt collection

My complaint doesn't fit the predefined categories. I have medical debt that I owe and there was a judgement sent out they garnished my wages. An amount I couldn't afford. An attorney stated I can go bankrupt or offer a wage assignment. I opted for the wage assignment, {$150.00} out of every check. Last year I paid over {$3300.00} and this year {$750.00}. The debt started at {$6000.00} and they still say I owe {$6000.00}. I asked them to send and itemization of everything they have taken and what they applied it to. The rep said they do not have to and will not do that. I asked for the supervisor and received the same response and that more debts have come in. I said that's fine if you can justify it but I still want copies and they refused to send me anything.
Product: Credit reporting or other personal consumer reports

XXXX have been reporting late payment to the credit bureaus. In accordance with fair credit reporting act, this creditor has violated my right under 15USC 1681 section 602 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors is not to treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose. 

XXXX  XXXX
Product: Vehicle loan or lease

Wells Fargo repoed my car XX/XX/2023 and I have not gotten my notice of repo letter from them and I cant get the repo man to call back so I can get my belongings and plates out of the car. I also advised to Wells Fargo about the damage done to my driveway and got no response from them. I have called many times and they advised me I dont get a notification of repo letter. I have gotten no letter or notification from Wells Fargo.
Product: Checking or savings account

On  XX/XX/2017    I made a withdrawal for {$300.00} from the  Wells Fargo  ATM,   XXXX   XXXX  ,   XXXX  . Instead of dispensing {$20.00} bills it dispensed {$5.00} bills. They ran an investigation and said that the machine showed no error. How do I proceed to recover the {$220.00} that I 'm owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 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. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 
XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX  XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$2600.00} XXXX   XXXX XXXX {$450.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX  XXXX {$760.00} XXXX XXXX {$11000.00}