23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First, I contacted the Amsher Collections department on XX/XX/XXXX who could not provide any information and stated that the account had been turned over to XXXX XXXX XXXX Firm ( which is located in Alabama ). I have never been to Alabama and live in XXXX GA. 

I then called XXXX since they placed this on my credit report. They did provide the account number : XXXX and stated that they had my correct birthday and my new address ( XXXX XXXX XXXX, XXXX, GA XXXX ). I found out that XXXX XXXX was bought by XXXX and I feel like they will continue to place this on my credit report because of the buyout. I am furious because they will continue to do this if another company buys XXXX. They must be stopped from placing this on my credit report from now on. I had this same company do this around XXXX XXXX and I filed a police report with the XXXX XXXX Police Department ( where I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA at the time. Since then I have moved to XXXX XXXX and was told to go file a complaint with the XXXX XXXX Identity Fraud Department along with the Federal Trade Commission ( which has already been done ). 

The law firm was NO help at all and said it would take time. Last year in XXXX, it did not take this long. This is messing up my good credit and I need this company and any future company to remove ALL my information like date of birth and address. If not they will continue to do this to me. I will have documents to prove that they did this is XXXX and just recently if you need them. Please help me because I am livid and trying to maintain my sanity over this.
Product: Debt collection

There is a account on my credit from XXXX that is with a collection agency called credit management. The amount for the debt collection is XXXX. Discount was made fraudulent. I never opened a account. Ive tried to resolve this several times Ive put in fraud claims theyve removed it from my credit several times and keep trying to put it back on there. This is not my account. This is fraud.
Product: Student loan

I enrolled using my GI Bill and somehow ended up with a XXXX loan out of the deal. I did n't know much about the whole college thing when I went in and had thought I made it clear to my counselor that I did n't want to incur any debt. Now I owe on some education that never even benefited me due to a debt that I never asked for. The counselor told me the GI Bill would pay for everything. I signed some paperwork but I did n't know it was for a loan.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redresso 7 for these violations.
Product: Credit card

I booked a two bedroom apartment for one night through XXXX with XXXX adult and XXXX child ( XXXX XXXX XXXX ). I have a confirmation email confirming the reservation with the statement at the bottom of the email stating This property considers guests aged XXXX and under, at time of travel, to be children. PLEASE SEE THIS STATMENT ON PAGE XXXX, under " Guest charges and accommodation capacity '' of the " XXXX XXXX XXXX  '' Apartment manager called us the day before our reservation, accused us of lying by saying that our XXXX is a child, and refused to allow us to stay in the room. In a chat with XXXX they also said we lied, even though i have the confirmation FROM THEM that we didn't lie, and that a XXXXyo is considered a " child. '' I disputed the charge with my CitiBank credit card. They are refusing to credit me the {$590.00} even though we paid for the room for XXXX people, were not allowed to stay in the room, and were refused a refund, see " XXXX XXXX XXXX XXXX  ''. CitiBank will not refund the money unless XXXX agrees to give a credit slip. The entire reason I am disputing the charge is XXXX wouldn't give me the product AND refused to give me a credit for it.
Product: Debt collection

my XX/XX/XXXX.payment was not received so they say .so i called they told me to send my bank statement so i fax it and still they is giving me the run around this is being going on for about 3 weeks they have the bank paper i fax the statement XXXX XXXX XXXX payede by phone XXXX dollars withdrew from my account on XXXX.got ready to pay for XXXX thats when i learned about itive called about 20 times talked to 20 difference peoples keep saying the same crazy stuff i dont understand what the problem is because they have the bank statementplus i want to sue them for stress this has took a tole on me i pay a XXXX dollars on this account every month never missed or late plus my credit when down about 40 point they said because of XXXX credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2020 no response XXXX XXXX XX/XX/2020 no response XXXX XXXX XX/XX/2020 on report twice no response XXXX XXXX XXXX XX/XX/2020 no response I would like these off my credit due to me not given permission nor having accounts with these.
Product: Debt collection

There is a collection agency Knight Adjustment Bureau based in Utah. They have placed a {$10000.00} collections account onto my credit report for an account and a company I have no idea of and no dealings with. This is not an account I have ever authorized or been a part of. I feel this is a fraudulent account and company. Furthermore, after calling the company and leaving a detailed message to see what the account is actually for and to dispute it with them, their representative called me hours later on my cell, from his cell. The male representative of Knight Adjustment Bureau ( Utah ) proceeded to tell me that it was extremely illegal to call me to solicit a debt due to my residence being in Oregon. He proceeded to talk to me about my account very reluctant with info and acting like he was doing something wrong. He openly admitted my debt amount while talking to me and that what he was doing was illegal and that he could not legally call me in Oregon to solicit for a debt. I then immediately hung up and called the XXXX credit bureau line. Having no knowledge whatsoever of this charge and account, and after such a strange phone conversation with the Knight representative, I felt compelled to make a complaint and beg your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX am writing in regards to compliant on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquires were not done by me. also in regards to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions and attempts to submit, TransUnion consistently responds within 24 stating the 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, TransUnion 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 proceedings XXXX XXXX XXXX XXXXXXXX ) against XXXX for similar violations XXXX I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. Below is a list of accounts I have marked as inaccurate ; 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

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4500.00}, {$4600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. 

I'm trying to get my credit report but it displaying an error message saying that my personal information are incorrect. 
My social number is correct, maybe some is incorrect in my name once I'm a foreign. 

Regards, XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX 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  and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX submitting this complaint against Transunion and there is no third party involved. Transunion is reporting inaccurate items on my credit file and I am attaching exhibits showing the inaccuracies for you to open.
Product: Debt or credit management

ACCORDING TO THE FAIR CREDIT REPORTING ACT, THIS CREDITORS HAVE VIOLATED MY RIGHT.UNDER 15 U.S.C. I681, SECTION 602 STATES, I HAVE THE RIGHT TO PRIVACY.15 U.S.C.1681, SECTION 604A, SECTION 2, IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.UNDER 15 U.S.C. 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 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 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 I request that employer be updated to reflect the correct information. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : Acopy of my driver 's license or passport displaying my correct name. 
Arecent utility bill or bank statement showing my current address and current Employer. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) ( 4 ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. I am the consumer and Equifax, XXXX and XXXX are the consumer reporting agencies. I as the consumer have the right to protect my private information and ensure that it is not being shared, which also aligns with 15 USC 1681 ( s-2 ) which states that 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. A person shall not furnish information relating to a consumer to any consumer reporting agency if he person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, inaccurate I have contacted all 3 credit reporting agencies via certified mail on XX/XX/2023 about the reporting of the inaccurate information on my consumer report. No correspondence nor corrections has been received for either of the 3 credit reporting agencies. I have attached proof of my only mailable address to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/2022 On XX/XX/2022 I sent an investigation to the credit bureaus ( tracking numbers : XXXX, XXXX, XXXX ) to check every piece of information that complies with FCRA. They did not do a proper investigation in accordance 15 U.S.C 1681 section 603 ( 3 ) ( E ).

I am contacting you the second time because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. In accordance to 15 U.S.C 1681 s-2 ( A ) ( 1 ) these accounts is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit profile and scoring. 


Account name : XXXX XXXX XXXXXXXX Account number : XXXX I have previously requested that you investigate this information above and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Account name : XXXX XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from my credit report. 


Account name : XXXX XXXX Account number : XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from mycredit report. 


Account name : XXXX Account number : XXXX The accountnumber abovehave previously requested thatyouinvestigatethis information and you have failedto correct the errors you arereporting on my credit report. Now is the timeto update, I demandthat you IMMEDIATELY REMOVE LATE PAYMENT ( S ) XXXXofthis account as NEVER LATE frommycredit report. 

Account name : XXXX Account number : XXXX The accountnumber abovehave previously requested thatyouinvestigatethis information and you have failedto correct the errors you arereporting on my credit report. Now is the timeto update, I demandthat you IMMEDIATELY REMOVE LATE PAYMENT ( XXXX ) XXXXofthis account as NEVER LATE frommycredit report. 


Account name : XXXX Account number : XXXX The accountnumber abovehave previously requested thatyouinvestigatethis information and you have failedto correct the errors you arereporting on my credit report. Now is the timeto update, I demandthat you IMMEDIATELY REMOVE LATE PAYMENT ( S ) XXXXofthis account as NEVER LATE frommycredit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union and XXXX  are fraudulent on my accounts : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX Social Security Number : XXXX XXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Subject : Request for Removal of Closed, Paid-Off Account from Credit Report Dear XXXX XXXX XXXX Department , I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXXLast XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX Account Closed : XX/XX/XXXX, XX/XX/XXXX I FILED A FTC REPORT PLEASE REMOVE FROM CREDIT REPORT Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 


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

Experian continues to report XXXX late payment on my credit report when I don't have any late payments.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint regarding a fraudulent wire transfer I was coerced into making. I was contacted by an individual who claimed to be a psychic and introduced herself as XXXX. She threatened that harm would come to both me and my boyfriend if I did not transfer money to her account. Under this pressure, I proceeded with a wire transfer of {$9900.00} from my Bank of America account. 

The transaction details are as follows : Recipient Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX City : XXXX XXXX State : New York XXXX XXXX : XXXX Bank Name : XXXX XXXX Routing Number : XXXX Account Number : Ending in XXXX Account Type : Checking I have already spoken to my bank XXXX Bank of America ), but they have informed me that they were unable to recover the funds. Despite their efforts to reach out to the recipients bank ( XXXX XXXX ), they have not received any response. 

I was manipulated and threatened into making this transfer, and it has caused me significant mental distress. I am uncertain whether the names provided are accurate, but I believe this to be part of a larger scam. I would greatly appreciate your assistance in investigating this matter and recovering my funds. 

Thank you for your attention to this serious issue.
Product: Debt collection

Professional Finance Company and XXXX XXXX claim I took an ambulance ride in XXXX. I have tried to request records multiple times and proof that it was me and have never had a response from either company. I have left several voicemails, disputed it multiple times with all three credit reporting agencies, most recently in XX/XX/XXXX and XX/XX/XXXX, specifically demanding that they provide documentation that it was me, such as a signed statement, a copy of my ID, or any physical proof that it was me that took the ambulance, while providing the attached FTC ID theft report. I had a similar bill from XXXX XXXX from the same night, assuming that the ambulance was dropped there, however, I can not get any records from XXXX ambulance or Professional Finance Co, but they keep " verifying debt is accurate '' in my disputes to the credit agencies and will not provide any actual proof or documentation of the incident as demanded. The debt from XXXX XXXX was dismissed and removed because they did not have any copy of ID or valid proof that I received the treatment. 

Professional Finance company has never contacted me, has no authorization to report this to credit bureaus, has failed to respond to multiple inquiries and messages left for them for follow up, has not provided accurate proof in multiple disputes covering multiple years, and needs to be penalized for there absolute disregard to the law and Fair Credit Reporting Act Section 609 ( e ) relating to Identity Theft. I have provided my FTC filing for Identity Theft Report and they have still failed to properly furnish information required by law or respond appropriately by the laws and rights given to me. This must be removed from my credit report immediately.