23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

NOTICE TO CEASE AND DESIST XXXX XXXX, XXXX. Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX, XXXX. You have 4 business days after receipt of this Notice to block all the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated XX/XX/2024 ( see exhibit A ) and you can also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Product: Money transfer, virtual currency, or money service

I was searching for an apartment and the " owner '' of the home reached out to me regarding the home. He told me he moved to Florida and was working with a realtor who inflated the prices of the home so he decided to place the ad on XXXX. He told me due to Covid-19 that he was not allowing showings but we could drive by and see the place and check out the neighborhood. He sent me an application that I filled out which I completed. He told me if I am approved, he will mail me the keys since he was in Florida. I completed the application, he sent me a lease once I was approved, and I sent him the money for the security deposit and first month 's rent. Prior to sending him the money, I reached out to PNC on XX/XX/XXXX and asked them what would happen if I send money through the bank and I do not get any keys. The rep told me I can do a dispute to get the money back. At first, I tried to do the transaction through XXXX. I was unable to do so and called the bank again for assistance. I was transferred to another department. After a while, I sent the money through XXXX with the assurance from the rep that if anything fell through, I would be covered through the bank. I sent {$850.00} on XX/XX/XXXX and XXXX. Once the money was sent I was under the impression, the keys will be mailed out to me. He told me will mail me the keys and that is when I realized it was a scam/fraud. After he received the money, he asked for more money. I told him I was not sending him any more money and wanted my money back. He refused to give me my money back and proceeded he will send me the keys and I have not heard back from this person. Afterwards, I reached out to PNC and explained to the rep what happened ( XX/XX/XXXX ). She started the claim and told me to reach out to the XXXX dispute team to try and stop the second payment. The next day, I reached out to the XXXX dispute team and she marked the email address as fraud to prevent this from happening again to someone else. The following Tuesday XX/XX/XXXX, I called back to file a claim for the second {$850.00}. About 10 business days later, I received a letter that the dispute was declined based on findings. Under normal circumstances, I would not have sent money via XXXX. But since we are in a pandemic and people do not want to meet face to face, I was optimistic about the situation. I did not gain anything from this transaction except a loss of {$1700.00} and the service/agreement was not fulfilled. The bank has all of this verbiage on their website about reaching out to them if we fall victim and here is a victim and is unable to get a resolution. I attempted to do my due diligence by calling prior to sending the money and explaining my situation. The expert ( PNC ) didnt suggest that this may be a bad idea or sounded like a scam but instead attempted to help me ; on more than one occasion ; to assist me in sending the money so I can get this home. IF the calls are recorded, you can pull the recordings to see that I did reach out and explained what was going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters from XX/XX/2021 to XX/XX/2021 disputing 2 collections that are reporting to my Credit Report and I have NOT received any correspondence back from either company. These 2 collections could be fraudulent and I do not know what they are. XXXX, XXXX, and Transunion have not investigated any of my request! See attached copy from my credit report showing these collection accounts!
Product: Credit reporting

After going through several iterations of filing disputes and uploading supporting documentation in order to remove all mistaken references appearing on my Equifax Credit Report ( related to a closed home equity line of credit account with XXXX XXXX-see attached dispute resolution ) I am convinced that the record in my Equifax Credit File has corrupted data that can not be updated properly as directed by XXXX XXXX to Equifax. The dispute resolution clearly states, " The results are : The date closedhas been updated. This account has been updated. Additional information has been provided from the original source regarding this item. '' However, when viewing my credit report ( or talking to an Equifax rep on the phone who is looking at the record on their system ) it is clear that the closed date field is still empty and all references to the Chapter XXXX Bankruptcy have not been removed as directed by the lender. Only the comment reference to " re-investigation in process '' has been removed. Therefore, either the system can not change the data due to corrupted data or the person performing the task is incompetent. Being that the other XXXX credit reporting agencies are reporting the same account properly from the same reporting info received from XXXX XXXX, it is obvious that Equifax is to blame for this mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX 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 or 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: Debt collection

This was from a Doctor in California. I provided all of the necessary insurance information as well as XXXX XXXX Account ( XXXX ) information for them to take care of any bills that may be mine. To my knowledge I did not have a balance. I was never contacted by the Doctors Office or informed i could dispute. 

Now it has popped up on my credit report and I have been receiving an overwhelming amount of harassing phone calls in an attempt to collect on a debt that is not valid/ was created out of negligence from the doctors office. The phone calls need to stop and this debt needs to be removed from my account immediately.
Product: Credit card or prepaid card

I provided the XXXX app with my Bank of America banking login information for the purposes of earning reward points based upon their monitoring of my credit card charges at specific merchants. I made several purchases at XX/XX/XXXX which was one of my selected retailers which initially tracked and I earned points from ( XXXX points per dollar spent at XX/XX/XXXX ). Recently my purchases have stopped tracking. However, the issue is that I redeemed XXXX points for a {$20.00} XXXX gift card which I have yet to receive after one week ( FAQs state payouts will be made within 3 days ). I 've submitted multiple inquires to XXXXXXXXXXXX and it seems they will not pay out saying my account has been flagged for my safety. Their responses are generic and not informative. If there was an issue with my transactions, Bank of America would advise me and it is not XXXX XXXX job to do so. XXXX is simply there to monitor transactions to provide rewards. If they do not pay out what I rightfully earned, they are a scam and need to be shut down immediately seeing how their business involves gathering consumer 's bank account login information and monitoring financial activity. Per their terms and conditions on the day I signed up and when I redeemed my gift card, all was done in accordance and I am completely eligible for my award redemption.
Product: Checking or savings account

I have been gathering information regarding the financial exploitation of my father with the assistance the branch manager at the XXXX Citizens Bank  location. He helped me pinpoint where my fathers money had gone. We discovered that my aunt had taken the money from his account. She did so by adding herself to his checking account ( XX/XX/2020 ) and creating her very own brand-new checking account and transferring the money to her name by way internal transfers and ATM withdraws and Debit Card purchases, liquidating my fathers account as he lay dying and XXXX  XXXX  in hospice care. By the time of his death ( XX/XX/2020 ), she had stolen approx.. {$13000.00} dollars from this dying man. The Bank states as per their policy, the only way to add a name to an excising account is to step foot into a branch. Which my father did not do and could not do. These transactions which are listed on the documents that i have attached, are fraudulent. The documents were not motorized nor were they signed on site as per their policy. I am the sole heir to the estate and my aunt says this in messages she had sent me before my fathers death. I have attached all of the documents including emails and letter between the involved parties, including a more in-depth description as to what took place. Citizens bank has ultimately responded saying they had not wrong doing in the matter. But without the unwitting complicity of the bank, none of the would have happened.
Product: Debt collection

My personal information/identity got stolen on XXXX & was sold on the black market. I have received numerous calls throughout the years from fraudsters claiming that I owe money, that legal action will be taken, and even threatened. I have contacted the Federal Trade Commission, the XXXX XXXX XXXX, & have also worked with the NY Atty General 's office in the past regarding various scams. Recently, I received a letter, which I'm uploading with this complaint, from a so called atty 's office stating that I owe a debt in the amt of {$1500.00}. No proof or documentation was included with the letter nor do I recognize the supposed name of the Creditor. It states in the letter that the Atty 's haven't personally reviewed the circumstances of my acct. I've tried contacting the law firm numerous times & the phone just rings. I researched the firm online & there have been several derogatory complaints such as what I have mentioned above including not being able to communicate with this law firm.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the dectrine of estoppel by silence, Engelhardt v. Gravens ( 09 ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. 
These following collections are to be deleted per LAW. 

XXXX XXXX XXXX : {$220.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$720.00} Original creditor : XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my credit file correct
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications via the Consumer Financial Protection Bureau ( CFPB ) concerning my request for a reinvestigation and the removal of disputed negative items from my credit report. Unfortunately, I have not yet received any resolution or response from your department, and this matter remains unresolved.
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ).

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

I am disputing the following unresolved negative items on my credit report XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Mortgage

Hi, I reached out to Veteran United in search of more information for either a VA Loan or an FHA Mortgage. During the information collection process, I was VERY specific that I was only looking to inquire more information bout the application process and how it all works and that I had NO intention to purchase right away. 

Instead, the Mortage broker assigned to my application ran a " Hard Pull '' on my credit report which I had no intention of approving at this time since I'm still in the credit rebuilding process and a hard pull will do nothing but to affect the reliability of my creditworthiness. 

I reached out to the broker and his response was " Your credit will bounce back eventually '' not addressing the fact that I did not authorize this credit pull, and if in any way, shape or form it was implied on their end, it wasn't specifically explained to me that a hard pull was going to take place. 

Now I have it on my credit report and it will be there for 2 years for no reason unless otherwise, Veteran 's United rectifies this issue as soon as possible. 

Although I have every intention to keep working with Veterans United on the home buying process, a hard pull at this time is not what I had in mind, since I need to position myself in the best position to succeed when I'm ready to move forward with this mortgage.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


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: Money transfer, virtual currency, or money service

Good Afternoon, I was scammed out of {$3000.00} while using Cash App. The payment was sent to a person named XXXX XXXX, who was also using the alias XXXX XXXX. This individual offered a service under false pretenses. At the time, I was unaware that this person had multiple Cash App accounts and had been stealing money from hundreds of people. They were running a Ponzi scheme and taking thousands of dollars from users of Cash App. 

I reached out to Cash App to explain the situation and reported the scammers account, however I never received any follow up from Cash App. Moreover, I requested a refund, but it was denied. There seems to be no effective safeguards in place to protect consumers from this type of fraud. Additionally, the lengthy response time only worsened the situation. I reported fraud to by bank and they shared that CashApp denied giving me a refund. As a result, I have faced significant financial stress and was nearly at risk of losing my apartment.
Product: Checking or savings account

On XXXX XXXX, 2017, I opened a XXXX checking account at my local branch using the attached voucher for a {$400.00} bonus. I had met all the terms of the promotion to receive the promotional {$400.00} bonus as stated in the attached voucher including meeting all opening dates, transactional requirements, and enrollment requirements. The promotion further states that the {$400.00} will be credited to my account within 120 days of completing these steps. I completed the last of these steps on XXXX XXXX, 2017. As such, 120 days from XXXX XXXX, 2017, was XXXX XXXX, 2017. I did not receive my bonus. I called Regions bank on XXXX XXXX, 2017, to inquire about my bonus. At this time, I was told that my account was inactive. I had absolutely no way of knowing that my account was going to be inactivated, considering that I had followed the exact terms of the promotion. I received no e-mails, phone calls, postal letters, or notations on my statements about this issue. Furthermore, the terms of the promotion did not indicate that the account had to be active to receive the bonus. I was then directed to call my local branch to ask them about the issue. On the same day, XXXX XXXX, 2017, I called my local branch and talked to the branch manager. I then immediately e-mailed him ( e-mail chain attached XXXX the terms and conditions of the offer and he let me know he would research the issue. I have not had any resolution on the issue since then, and the branch manager has not responded to my last two e-mails, dated XXXX XXXX, 2017 and XXXX XXXX, 2017. Thus, I have reason to believe that Regions believes that by simply ignoring me, the issue will go away. It has now been 55 days past when the bonus was due.
Product: Credit reporting or other personal consumer reports

Equifax is furnishing incorrect information on my profile, The following Accounts and or Collection does not belong to me ; 1. XXXX XXXX | XXXX | {$930.00} 2. XXXX XXXX | XXXX | {$26000.00} 3. XXXX XXXX | XXXX | {$4600.00} 4. XXXX XXXX XXXX | XXXX | {$350.00} the above accounts are not my accounts and they are furnishings accounts on my credit profile that does not belong to me. It is illegal to put something on credit report when they do not have any documents bearing my physical signature
Product: Debt collection

First Credit Services is reporting a {$950.00} debt for a gym membership that I was part of for three months. The debt collector is trying to collect three years worth of membership fees. I have asked the debt collector to verify the debt and send the original contract, but the debt collector has failed to respond.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicates that Zelle has not only neglected consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about the consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
3. On XX/XX/XXXX, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2012 ; 1. I have paid this account. 2. This acccount is old, and should no longer appear on my credit report. 3. Thank you for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below
Product: Credit reporting or other personal consumer reports

The information on my credit report is inaccurate and I would like these items removed from my credit report in accordance to FCRA USC 1601 due to inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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