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

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I made purchases for collectible coins with the  XXXX   XXXX  totaling {$7200.00} in  XXXX   2017 on m y  Fidelity Rewards Visa Signature c redit card which offers 2 % reward points. When I noticed that I did not get the rewards points, I called them and inquired. They said purchases from the  XXXX   XXXX  is a cash transaction and not a qualifying purchase. I explained that I purchased collectible coins rather than currency. The representative said she understands but there is nothing that she can do.
Product: Debt collection

My husband had a tenant he turned over to collections thru United Legal group. The tenant then filed a lawsuit against both of us because they threatened to harm his credit. I sent an email to put this on hold till it could be resolved. They said it could not be placed on hold had it had to be cancelled. I cancelled it and then they sent us a bill for {$52000.00} and my husband called them and they offered to settle for {$10000.00} or " make an offer ''. He told them he had other accounts to send to collections and once this is resolved, he would give it back to them to handle. Until then he thought they might have done maybe {$100.00} worth of work.They then called me and demanded the whole amount and I told them they had done nothing but send a letter and how do they think that entitles them to {$52000.00}? He said to pay it today or it goes up to {$72000.00} on Monday.I would be brought in and held equally responsible because I was the spouse. I told them if they expect to get paid {$52000.00} they need to collect XXXX times that amount to get their commission and he said the debt is owed. This is totally ridiculous. You send XXXX letter and expect to be paid {$52000.00} and then {$72000.00} from the person who hired you in the first place? I work on a commission basis and if the deal does not come together, you do not get paid. How do they think they deserve to be paid this exorbitant amount? Then we got collection letters from their partner company, XXXX XXXX XXXX, which is also threatening to damage our credit.
Product: Checking or savings account

I had fraudulent activities on my checking account. Business account unauthorized purchases that I said I did not purchase, and Wells Fargo said they will not return my money and process my fraud claim because theyre claiming that the fraud charges were authorized by me which they were not the amount is up to {$4200.00} and its affecting my business because the money was taken out of my business account now I do not have working capital to run my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dealt with XXXX after paying without any late payments for years negotiating a payoff amount of {$9100.00}. There was a discrepancy amount not negotiated for repayment and XXXX reported my account as a charge off dropping my credit rating over XXXX points ( XXXX ). After reviewing my account XXXX sent apology letter for mistake and reported car paid in full rendering only a partial replacement ( less than half ) of the credit rating points taken away for their mistake. Fast forward to XXXX XXXX XXXX I get a notice from XXXX XXXX indicating a credit score drop of XXXX points with Transunion and XXXX XXXX due to remarks made by XXXX before removing the account completely from my file. This is double jeopardy! I am losing more points in addition to the ones originally lost because of their mistake. I did call XXXX and spoke with XXXX who filed a complaint for me. I need to recoup all of my stolen points because I pay all of my bills on time and I am trying to buy a home. Transunion fell to XXXX from XXXX and XXXX XXXX from XXXX! Can you also help me to get all of my points back that I have worked years to build? Thank you!
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 and 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

Equifax continues to report that I have no sourceof income. I have been a XXXXfor over XXXX years. They have been sent myinformation XXXX times, and no changes!
Product: Money transfer, virtual currency, or money service

Tried to buy a video game sonsole through XXXX XXXX. Person under the name XXXX XXXX that actually lives in North Carolina XXXX possibly XXXX XXXX scammed me after I sent a partial payment for said console. He received {$360.00} through Venmo app, money that was supposed to be the first part so he could send the package through XXXX. I already contacted XXXX XXXX and Venmo app for assistance, but wanted to get more help since none of them could stop the payment right away when it happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I can show proof of inaccuracies and some how credit says Im wrong. Id love to know how much yall are getting paid to scam people!!???!! I mean inaccurate investigations how one could XXXX say Im past due when they ignore me and charge for a product never received!?!? Did yall investigate even I had XXXX protection that covers me in loss of job and injures that both were currently happening?? So Im paying for insurance that what doesnt exist so both credit bureau and XXXX are now by law liable for me to sue!!! How also do I owe for XXXX  XXXX when I show contracts a month to month that I have a bank statement showing I paid? I also had it requested to close hmm because I like way over 200 plus miles away. But credit bureau says no its correct even after submitting proof its not. Sounds like someone is getting paid to report inaccurate info that now has left me no choice to sue plus sue for ever denied credit sorry I tried to be nice and yall XXXX  me as a individual for no reason how did fraud also happen and yall say I owed more than {$50.00} please explain how yall can break the law?? Call me ( XXXX-XXXX-XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax regarding the following inaccurate information on my credit report. As of today, I have not received any response from them. Therefore, I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ). 
I found inaccurate information on my credit report for the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$120.00} ) account. While I am aware of the original creditor, XXXX XXXX, I have no knowledge of the collection agency that has been reported, as I have no contract with them. Furthermore, the reported balance of {$120.00} is inaccurate, as I believe it should be a lower amount. Additionally, the reported balance is higher than the high balance on the same account, which clearly demonstrates the inaccuracy of your reporting. In light of these inaccuracies, I dispute the entire account and request that the following dates be verified : Date Opened and Date of First Delinquency. 
The information presented on XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} ) account is unknown to me, as I have only contracted with the original creditor, XXXX XXXX. The balance of {$270.00} is also higher than what I remember. This information is inaccurate, and I dispute the entire account. I request that the following dates be verified : Date Opened, Date of First Delinquency, Date of Status and First Reported. 
I am also disputing the following accounts : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$520.00} ) : This account was never late, and I request that you correct/update this inaccurate information on my credit report. 
XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$320.00} ) : This account was never late, and I request that you correct/update this inaccurate information on my credit report. 
XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$11000.00} ) : This account is not mine, and I request that you remove it from my credit report.
Product: Payday loan, title loan, or personal loan

A title loan- which is unlawful- no matter the legal workarounds- was in fact offered to me in AZ. AZ atty gen has made zero progress on this- thru speedy cash. They gave me XXXX from day one between using my prepaid bank account- they have harassed and threatened me by mail when paying the bill. This harassment is unlawful. Then XXXX  recalled me to XXXX XXXX. I am already in the irr pool by nature of my dispute for retiree reestablishment of benefits with the XXXX XXXX. EO were in fact issued for persons of my type. Speedy cash refuses to acknowledge that SCRA remains in effect- companies like this REFUSE to lend due to the scra- therefore I demand my loan be cancelled. The lender refuses- extorting my inoperable vehicle title. I demand the title- so I can sell the car and am reporting it stolen- have done so to XXXX   police dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear Experian and XXXX XXXX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Experian * XXXX XXXX XXXXXX/XX/year> - Experian XXXX XXXX XXXX XXXX XXXX  - Experian * XXXX - XX/XX/year> - Experian * XXXX XXXX XXXX XXXX  - Experian * XXXX XXXX XXXX XXXX XXXXXX/XX/year> - XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

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

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ON MY XXXX I SUBMITTED MY IDENTITY THEFT REPORT TO XXXX AND EXPERIAN REGARDING SEVERAL FRAUDULENT ACCOUNTS ON MY CREDIT FILE. 

XXXX IS REPORT 2 ACCOUNTS FROM XXXX XXXX AND 1 ACCOUNT FROM XXXXXXXX XXXX THAT I DO NOT RECOGNIZE. I HAVE SPOKEN WITH SUPERVISORS FROM XXXX WHO ARE NOT WILLING TO HELP ME. I NEED THESE ACCOUNT REMOVED FROM MY CREDIT FILE ASAP. 

EXPERIAN IS REPORTING AN ACCOUNT FROM XXXX XXXX THAT I DO NOT RECOGNIZE I HAVE ALSO SPOKEN WITH SUPERVISORS AND THEY HAVE NOT BEEN ANY HELP. PLEASE HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some late payment on my reports i do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Complaint number # XXXX CFPB Complaint number # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX These two/three complaint are related to the same issue in which Equifax is illegal verifing and reporting a public record on my credit report. They have violated the FCRA by using a third party vendor ( XXXX  XXXX  ) to verify a public record. My XXXX  XXXX  credit report is frozen yet they claim to be using them to verify this public record below. XXXX XXXX XXXX XXXX XXXX {$130000.00} Ref # XXXX each time I disputed this, they have used the same response and never truly did a proper investigation by going directly to the data furnisher which would be the court house/country clerk. This judgement is not satisfied nor is it released yet Equifx keeps reporting it like this due to negligence on their end. This is not an accurate tradeline and thus needs to be removed. The data furnisher which is the court house NOT XXXX XXXX. The court house or the county clerk do not report or furnish information to the credit bureaus like Equifax and yet this is illegally being reported on my credit report. the FCRA states in : FCRA 603 ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; with that said I have not given ANY consent to any court house , county clerk, XXXX XXXX or anyone the right to report this public record on my credit report. XXXX XXXX has it wrong and thus Equifax has it wrong and further both are not accurate and this trade line needs to be deleted off my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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. 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, credit repair services, or other personal consumer reports

I have NO KNOWLEDGE of this account.This is fraudulent
Product: Debt collection

I sent a debt validation letter 2 account of times on the XX/XX/2021 and XX/XX/2021 and each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my clients file and cease all collection activities immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my private student loans are reporting incorrect information on my credit reports. 
All private students loans have been disputed over the past two years with the start of 2018. all student loans were removed due to inaccurate information for only three months and then placed back on my credit report only reporting to Experian and XXXX not XXXX XXXX I have made serval attempts to all credit bureau to have all information completely removed from my report as information by law anything reporting to my credit report should be 100 % accurate and its not. All of my legal rights have been validated and i want to make a compliant. i have listed below the rights that have been validated. 

15 U.S.S 1681 section 602A. 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 consent 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Money transfer, virtual currency, or money service

I sent money {$300.00} to someone by mistake. Using the zelle money transfer service. The service doesnt warn you at the time until recently** a disclaimer about once sent it cant be retracted if it were a mistake/scam etc. I contacted zelle and I spoke with my bank neither brought remedy to the issue. I was really struggling from that loss at the time. I was met with no compassion or help. Im one of many people who have had these issues prior before recently zelle adding safe guards aka making multiple warnings before finalizing sending funds. This happened in XXXX of XXXX. Details provided in the screenshot below.
Product: Credit card or prepaid card

On XX/XX/2022. I was in a store trying to use my Capitol One card and a transaction was declined to my surprise for {$3.00}. The keypad said the card I used was invalid. I then went to another store to use the credit card at XXXX XXXX ( about $ XXXX {$4.00} ) and it said the card was invalid. On XX/XX/2022 I called Capitol One to find out why the card was declining and a guy by the name of XXXX said he wasn't sure what happened and read a letter to me that was never mailed out. The letter said I did something wrong. He kept me on hold for about 5 minutes looking for collections and customer service, but he couldn't answer a lot of the questions I had and seemed confused during the duration of the call. The credit card has a low balance and is still not working at registers. I have yet to receive a letter in the mail that makes sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item below to be incorrect. 

1. Account was closed and transferred to another provider paid in full XXXX XXXX Account Number : XXXX This account was on an agreed payment plan after being closed and transferred to another wireless provider by me. This item was paid in full and not a charge off or collection as per a pre-arranged payment agreement with the creditor. 

Please remove the inaccurate charge-off /collection from my credit report.
Product: Credit reporting or other personal consumer reports

I company called XXXX, XXXX XXXX, Capital One two accounts and a company XXXX XXXX are reporting false information someone did these accounts fraudulent I'm asking that they be removed