23daVinci/CFPB_Complaints huggingface dataset:
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 168b permissible purposes of consumer reports. 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. 




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  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Debt collection

fter reviewing my credit report, I seen a medical account listed. I disputed it with the credit bureaus and the company it 's self. The credit bureaus advised they have been verified. So I requested a debt validation in the form of an original bill and detailed statement of procedures, for the medical account with Progressive Management Systems. I never received a response back. So after 34 days I called and was told they have the validation to collect on this medical debt, they received the details of my medical bill from there client. I informed them, they directly violated the regulations of the HIPAA Act of 1996, because I never signed a HIPAA form to authorize them to have access to the information. I requested to speak with a supervisor and was told I would get a call back in a few hours and never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd CFPB complaint filed. The previous 2 complaints resulted with Equifax agreeing to remove the fraudulent, unauthorized hard inquiry but the inquiry is still there as of XX/XX/XXXX. Equifax refuses to remove a hard inquiry from XXXX XXXX XXXX received on my credit report on XX/XX/XXXX. Ive provided supporting documentation that proves that the hard inquiry was unauthorized and a fraud attempt to obtain a line of credit under my Social Security number including a letter directly from XXXX XXXX XXXX XXXX  XXXX acknowledging the fraudulent activity. Ive attached a letter from the bank also confirming that the hard inquiry was unauthorized and should be removed from all three credit bureaus. Equifax is the only bureau that acknowledged the inquiry was fraudulent but still has not removed the fraudulent inquiry from my credit report. I have been submitting disputes every day on the Equifax website for this hard inquiry ever since it was reported on XX/XX/XXXX, but the results from my dispute is closed within hours, which leads me to believe no actual investigation was done regarding the fraudulent inquiry. I immediately initiated a fraud alert, and a credit freeze at all three credit bureaus due to this fraudulent attempt with my social security number and Equifax needs to remove this fraudulent hard inquiry from XXXX XXXX XXXX  dated XX/XX/XXXX from my credit report.
Product: Checking or savings account

I was charged of {$12.00} service fee on XX/XX/XXXX when I was out of the nation. At the time, my savings had a $ XXXX balance. Their online chat got disconnected frequently. When I tried to call, the calls were disconnected at least 3 times.
Product: Mortgage

Shellpoint Mortgage Servicing took over my loan from XXXX XXXX XXXX on XX/XX/year>. I sold my home on XX/XX/year>. The title company wire transferred the full payoff {$13000.00} amount to Shellpoint on XX/XX/year>. I have confirmed this wire transfer and have email confirmation. Shellpoint has still not applied this payment to my loan as requested. I have spoken to several managers who have acknowledged the problem is on their end. Its been XXXX weeks. They keep telling me they have escalated the problem but I have not been given a timeline for resolution. I still keep getting calls from them on a daily basis telling me my loan will soon be delinquent and will be reported to the credit bureau. I have made XXXX payments {$300.00} and {$290.00} after the closing of my house to avoid that happening. I do not want my credit negatively affected. I urgently want this matter resolved but feel like I am being given the run around. They now OWE ME!
Product: Checking or savings account

On XX/XX/XXXX I went to US BANK ATM machine to withdraw {$400.00} from my checking account at the the transaction machine says that is out of service, then I wet inside the branch they are XXXX atm machines y try XXXX then after the transaction machine says sorry software problem, the I wet the second machine finally I get tha money that I requested and print out says my balance is- {$400.00} means Im overdraft, I approach the bank teller y show is an error now u balance is {$93.00} then was receiving beat saying Im overdraft I call customer service to report the ope cas in take 3 days until now no refund says wait XXXX more days in the meantime I have autopay wit another providers and getting fin for XXXX bank on XX/XX/XXXX I call the bank again and told me I will receive e-Mail in XXXX or no
Product: Debt collection

Request were sent for debt validation and licensure to collect in Tennessee on XXXX XXXX. Verification of delivery on XXXX XXXX. No response has been received. The debt stated on my credit report is for {$1000.00}
Product: Debt collection

I received this text message to my phone from XXXX XXXX XXXX. I have never done business with this company. I did not contact them as I think it is spam. In the past if I received this in an Email, or text, companies have told me do not click on anything in message or call them, as then they would have all your contact info. I copied the message below out of my text messaging. 

We are a debt collector Customize your payments to fit your life with ease. Get ahead with our flexible payment plan : XXXX : {$36.00} Duration : 32 months XXXX to start? Visit XXXX? XXXX. Questions? Reply or call us at XXXX during business hours. 

This message is from Spring Oaks Capital , LLC and is related to your Milestone XXXX account, originated by The Bank XXXX Missouri, now owned by Spring Oaks Capital SPV , LLC. 

Click here for important disclosures https : XXXX.
Product: Credit reporting

Upon pulling my annual credit reports on XXXX XXXX, 2016 I became aware of a collection account that I had no knowledge of. It was a medical bill from XXXX XXXX XXXX, account # XXXX, stating that the original creditor is XXXX. 

I have lived in XXXX XXXX XXXX all my life and do n't ever recall going to XXXX XXXX for XXXX XXXX. 

This collection was reporting with all three credit reporting agencies. I did an initial dispute on XXXX XXXX, 2016 with all three credit bureaus. Within twenty days XXXX and XXXX both deleted this collection but for some reason with Experian it came back verified. 

So on XXXX/XXXX/16, I sent XXXX a debt validation letter ( see attached ) Priority mail # XXXX ( see attached ). 

And on XXXX/XXXX/16 I wrote a follow up letter to Experian ( see attached ) priority mail # XXXX ( see attached ), and as of today I still have n't received any information showing how could I possibly owe this debt. 

I was n't notified before it went on my reports and as of today I am still not being provided with any information concerning this debt which is causing me a great deal of financial stress. 

It seems XXXX and XXXX have done the right thing but Experian wants to cause me a great deal of grief.
Product: Debt collection

I received a call from Jefferson Capital Systems, the agent asked me to verify my name. I told her if the call was an attempt to collect a debt to please communicate with me thru mail only. She hung up on me. I never received mail from this company and now the account is on my credit reports. 

The account is listed as a collections debt with original creditor XXXX   XXXX  and I feel I was not given the opportunity verify the account as mines and I am not aware of the original creditor. This is why I asked the collection agency to contact me via mailbso I would have the information I needed to assure this debt is indeed mine. 


The balance is showing at {$350.00}
Product: Credit reporting or other personal consumer reports

looked at my report back on XXXX XXXX, 2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
this account XXXX XXXX  account number XXXX with a balance of XXXX $ .The open date is incorrectly the balance and credit limit was also not reported incorrectly and the XXXX account which is in collection is XXXX XXXX XXXX  account # XXXX With a balance of XXXX $ .The open date and last date of payment balance was not reported correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 
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

Equifax is falsely withholding pertinent information regarding my credit file. I have called repeatedly and they would say they were transferring me to a speciality handling department, and then after transferred I asked them what kind of department was this, they would not give me a clear answer as to what this department really is. I have also noticed that Equifax posted a score that was lower than my actual score. I have called and advised them they that is was wrong based on my product they then blocked me from viewing my point and this is ongoing. I called this evening to advise them I was having the same problem and they said I would be able to get in tonight and it is still showing the same exact thing. I once told the rep I was recording the call he immediately transferred me to a department that played a message and then hung up on me.
Product: Credit reporting

I HAVE SEVERAL EMAILS AND IVE SENT THESE DOCUMENTS TO EQUIFAX ON PREVIOUS AND RECENT DISPUTES ABOUT THIS MATTER ABOUT XXXX ACC # XXXX REPORTING ON MY CREDIT BUREAU I PUT THIS COMPLAINT IN AND NOW EQUIFAX IS ASKING ME FOR A SS CARD OR BIRTH CERTIFICATE IVE ALREADY PROVIDED MY SS CARD TO YOU GUYS 6 TIMES ALREADY AND THE ACCT # XXXX IS NOT MY ACCT AND IVE ASKED XXXX TO VALIDATE THE DEBT AND THEY CANT VALIDATE THE DEBT TO ME BECAUSE ITS NOT MY ACCT BUT IM BEING HELD ACCOUNTABLE FOR THE DEBT FOR ADEBT ON MY CREDIT REPORT THAT EVERYONE IS REFUSING TO REMOVE UNLESS I PROVIDE DOCUMENTATION AND IVE SPOKE WITH THE CREDITOR AND EQUIFAX SEVERAL TIMES ABOUT THIS MATTER AND NO ONE IS HELPING ME RESOLVE THE ISSUE BUT SPINNING ME AROUND IN CIRCLES. IVE ASKED SEVERAL TIMES FOR DEBT TO BE VALIDATED AND XXXX SAYS IT CANT VALIDATE THE DEBT OR SEND ME PAPERWORK BECAUSE ITS NOT MY ACCT SO WHY IS IT STILL ON MY CREDIT REPORT AND SHOWING XXXX HAS VERIFIED THAT THE DEBT IS MINE BUT WHEN I CALL ITS SOMETHING ELSE AND I FEEL ITS A VIOLATION OF MY RIGHTS AS A CONSUMER FOR ME BEING PENALIZED AS A CONSUMER FOR A DEBT THATS NOT MINE AND HAS NOT BEEN REMOVED FROM MY CREDIT REPORT. SO I HAVE NO CHOICE BUT TO FILE A LAWSUIT AGAINST XXXX AND EQUIFAX FOR VIOLATING MY RIGHTS AS A CONSUMER AND RETAIN A LAWYER IMMEDIATELY TO HANDLE THIS MATTER IN LOCAL OR FEDERAL COURT. WILL FILE LAWSUIT TODAY.
Product: Credit card or prepaid card

CBNA allowed a credit card to be opened in my name as a result of identity theft. My credit file was compromised as a result of the XXXX  Data Breach, and many accounts were opened in my name with out my permission or authorization. I have contacted CBNA about this matter and have never been allowed to speak to anyone. Every time I call I have been told that if I did not open the credit card that they would not be able to speak to me. This has been going on for months and they have this false information listed on my credit file. I have again notified CBNA as best I could by phone and I have mailed a letter into their coporporate office and received no response at all. This credit card was opened fraudulently and has nothing to do with me and I have never received or used a CBNA card.
Product: Mortgage

On XX/XX/2015 I divorced my husband. At that time he signed the property over to me in the divorce. I was already a borrower on the Note. My attorney did a warranty deed that was signed by a judge and filed properly. Bank of America will not acknowledge me as owner of the property only as a successor in interest. I have maintained all insurance and paid all property taxes and made all mortgage payments on time for the past 5 years to no avail with Bank of America. Two weeks ago I received a letter from Bank of America Stadium that the title was transferred without their permission and that they could foreclose on my property or accelerate the note. They won't even talk to me to resolve this situation. I have on three different occasions sent to them a copy of my divorce decree the warranty deed and the judge 's signature in this situation. All of this is giving me extreme XXXX  and I'm unable to sleep and I'm having medical problems due to the XXXX. I just want some help in resolving this situation once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Money transfer, virtual currency, or money service

I received a text asking if I spent money at Best Buy. it was made to look like a text from Citi Bank. When I answered no, a lady called me from a number that displayed Citi Bank on the caller ID. The number was XXXX it was received at XXXX XXXX on XX/XX/XXXX. They told me they needed to ask me some security questions to make sure it was me. Then they said they were going to send me a one-time passcode to verify it was me. I read back that passcode, not knowing it was actually the passcode to change my password on my online banking. I got another call from XXXX, which I think was someone working with the other person who called me be they asked the same things. I said I just talked to you guys, and he hung up on me. That call was at XXXX. I then checked my account and realized they got access to my online banking. they changed my password, then set up wire transfer ability on my account then added a recipient to my account to send it to They did a wire transfer for XXXX and left me XXXX XXXX in my account. I then went straight down to the Citi Bank at XXXX XXXX XXXX XXXXXXXX in XXXX XXXX. this was on the XXXX. citibank isnt being upfront with me either. when i first reported it ( less than an hour after it happened ) they told me to get a police report with XXXX XXXX XXXX XXXX XXXXXXXX XXXX which i did. after that i went into the branch everyday almost to see if the money came back yet. now on XX/XX/XXXX. 14 days after i first told them they tell me i need to get a notarized affidavit saying i didnt authorize the transaction. This was every dime i had, right before XXXX. the fraud department seems like they are delaying investigation on purpose. idk why and it really made life hard on me. my XXXX XXXX XXXX son isnt going to have a XXXX now becuase citibank dont care. 
they say they are waiting to hear from the other bank but its been almost a month. with nothing new
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXXXXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting

Open Account with XXXX XXXX XXXX for {$83.00} Original XXXX XXXX XXXX XXXX XXXX open Date XXXX 2013 last reported date XXXX XXXX 2013This Account is closed and paid in full spoke with this creditor XXXX they statedboth times Account is been closed and paid in full and was removed from all XXXX credit reporting Agencys. when I review my report I see it open and still owening
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against C

ash 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 redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times to dispute the fraudulent hard credit inquiry by XXXX and XXXX that occurred on XX/XX/2019. Equifax always finds that they can not remove it and I should contact XXXX. I have letters from XXXX and XXXX admitting it was a fraudulent application for credit that resulted in the inquiry and agreed to have it corrected on my credit report but nothing ever happens. This has been going on since I reported it to XXXX and XXXX on XX/XX/2019. I am considering legal action against all 3 companies ( Equifax, XXXX, and XXXX ) since they share responsibility for damaging my credit by continuing to allow the fraudulent hard inquiry to be on my credit report after being notified multiple times to correct it which means they have acted in bad faith.
Product: Credit reporting or other personal consumer reports

These accounts dose not meet the Metro 2 Compliance for reporting. 

Experian report number 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 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