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

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been trying to get in contact with Mohela Customer Service and the phone keeps disconnecting. I checked my online and there was no update on my PSLf count After XX/XX/2022 I currently have XXXX Tslf and XXXX PSLf with over XXXX qualified payments. Mohela never advised me I need to update my certification from my employer. I completed on XX/XX/2022
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 violates the Customer 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 seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I went to check my checking account balance and saw this company took {$290.00} out of my checking account using my debit card. I did not take a loan out with this company and want this removed from my credit report and reported as a scam company XXXX re : XXXX XXXX XXXX XXXX. This info was taking from my XXXXXXXX XXXX Account. I did not take a loan out with this company at all. They used my cell phone but not my email address. Please stop these people from going into my personal checking accounts etc as I did not sign anything for {$5100.00}. My credit is not good for that kind of loan. I would not take out, anyway. I need you to contact these people and stop them from using my personal information. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX via XXXXXXXX XXXX was authorized to only do a Hard pull on my credit report once on the date of XX/XX/2023 XXXXXXXX XXXXXXXX via XXXX XXXX did a second hard pull WITHOUT my permission on XX/XX/2023. This hard pull was unauthorized
Product: Credit reporting or other personal consumer reports

I was shocked to find an unauthorized inquiry on my credit report today, and I dont understand why its there. I check my report regularly, and everything was fine until now. I even attempted to refresh my browser, hoping it was just an error, but the inquiry remained. I am extremely frustrated by this and demand that my submitted documents be carefully examined so I no longer have to deal with this issue.
Product: Debt collection

Received a call from a XXXX XXXX from Apex XXXX, representing XXXX. XXXX XXXX confirmed personal information ( name, SSN ) and proceeded to offer a " payoff '' for the debt. When I informed her of the ongoing situation with XXXX ( separate complaint to be filed ), she informed me that she would be sending the account back to XXXX listed as " refusal to pay, seek legal action. '' I told XXXX XXXX that I do not agree to payment arrangements over the phone and requested that all documentation concerning the account be mailed to me. XXXX XXXX stated that they " do n't do paper mail, only electronic '' and then proceeded to try to verify my email address. She read me three different email addresses that were associated with the XXXX account ( including the one used to open it ) yet not a single one an account that I 've ever owned. When I told her this, she became defensive and told me it did not matter because they had all of my other personal information, including my driver 's license number " which no one would have had access to if the loan application was identity theft. '' The driver 's license number they have on file was not my number at the time of the loan. None of the emails I was given that are associated with the account are mine. I requested a mail copy of all the information they had associated with the account, as XXXX had always refused to do so, and was told they can not do that. 

XXXX XXXX strongly suggested I find the money for the settlement offer before the end of the month as legal action was going to be her reccomendation.
Product: Credit reporting, credit repair services, 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 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 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 a reasonable cause to believe that the information is inaccurate.

These inaccuracies are causing me hardship to get a new car for my family.
Product: Consumer Loan

I made 3 separate car payments to Foresight Capital. They have charged me a cash advancement fee for the transactions when the payment should have been processed as a XXXX XXXX payment and not a cash advancement fee. The only option on Foresight Capital website is debit/credit card payment, there is no option for a cash advancement payment but yet they have charged me a cash advancement fee. The car note payment and cash advancement fees are as follows : Car note payment of {$730.00} on XXXX with a cash advancement payment of {$36.00} Car note payment of {$360.00} on XXXX with a cash advancement payment of {$18.00} Car note payment of $ XXXX XXXX with a cash advancement payment of {$14.00} I spoke with the supervisor XXXX and she told me that they have had this issue before and that they have not had this issue in a long time. XXXX refuse to reimburse my account for the cash advancement fees. XXXX claims that XXXX XXXX is the one that is processing the transaction as a cash advancement fee not Foresight Capital and that XXXX XXXX is the company that I should get reimbursed through not Foresight Capital. XXXX also claims that XXXX XXXX has them listed as a bank institution and not a financial institution and that is the reason that I am being charged the cash advancement fee. 
I am requesting that Foresight Capital reimburse me in the amount of {$68.00} for the cash advancement fee charge.
Product: Checking or savings account

This is more than just closing an account, I was the Victim of Fraud through a 3rd party company regarding school loan consolidations. The amount was for {$590.00} or so. 
The fraud was very well done, I didn't notice until several months later when my actual loan lender contacted me. It took place on XX/XX/2016, I did not find out until XXXX. I reported the claim as soon as I found out to my Bank Wells Fargo, they even help me locate the 3rd party information and acknowledge on a call that the company had several fraud notes on the web.

A few months later, Wells Fargo contacted me informing they lost the fraud claim and then they deducted the funds from my account. I tried to talk to several people from the bank and one helped me. I went to a loca branch, and the manager suggest to keep trying. The bank provided no information on how to approach this and continue saying that I lots the claim. I refused too be responsable, I was a victim. They said that was my choice and that they would take me to collections and and report my account. I try to call several times before and at one point the call was supposedly escalated to an other department and a " Manage Supervisor '' Again they offer no middle grounds and they did not protect me, the customer. 
I recently received a noticed, now they closed my account and they sent me a notification about reporting me to entity. 
Now I don't know what to do or who to contact, the bank has escalated this instead of helping. 
Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report. No consent is Identity theft. A copy of the law is attached with this dispute letter.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. 

The following inaccuracies in my credit report require immediate correction or removal : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Upgrade Inc. reported to Credit Agencies that I'm 30 days late payment. However, I had never had an account with them. Only thing I can think of is that, I had made a single purchased collectors {$2.00} bills ; However, they kept sending me bills for payments and found out that this company automatically charging me for additional items to be purchased for more collectors edition {$2.00} that I had no desire to puchase. so I call them to cancel my future purchases, and now I have this 30 days payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my MANY attempts that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The items I'm disputing are unrelated to any actions I took or approved in order to obtain goods, services, or money. The following items should be removed. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX, XXXX XXXX Balance : {$0.00}, XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$3100.00}, XXXX XXXX XXXX Balance : {$68.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

In XX/XX/XXXX JP Morgan Chase began charging a {$12.00} fee if theres a balance below {$1500.00}. I complained to the banker explaining this was an unreasonable fee for a XXXX XXXX and that I had been a long time customer ( since XXXX ) with a XXXX XXXX for over 12 years. 

I think its an unfair practice to go back on a contract with a customer. Its not possible to maintain that high balance on a fixed income.
Product: Credit card

XXXX of XXXX I booked a hotel for XXXX XXXX on XXXX using a credit card by citibank. 
XXXX of XXXX my identity was stolen and fraudulent charges made on the citibank card. Citibank said I am not responsible and took care of it. Within a week or 2 we closed that account. 
XXXX XXXX I canceled the hotel and XXXX said they could only refund to original card so they did. 
I called Citibank and was told I would receive a check after 6-8 weeks. 
3 months later now XXXX XXXX I called Citibank and asked about the refund. They said it was credited to the fraudulent account?! How can that be if it was closed? I asked for this money and they said they ca n't do anything about it but I should contact XXXX. I did that and XXXX said the transaction was complete and Citibank has the funds. I was told to call Citibank! 

At this point I believe Citibank is the one who needs to give me my funds back. 
It seem when the account is closed they will be happy to allow money in but not out. I just want my refunded hotel amount back.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according t

o 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal di
spute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Furthermore on this hard inquiry should be removed immediately per 15 USC 1602P.

( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 


Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

Professional collector corporation is stealing money from me and i am sure other victims as well. This here proves that they are stealing money and someone needs to get involved to stop them so that people dont people become victims like my husband and i have been. I will prove that they have paid very little what was taken out of my husbands check to my medical bills. My husbands hard earned money and i am XXXX. This is in regards to complaint XXXX. 

First I have proof from the law library of Wisconsin that says about interest rate. When you were talking about Wisconsin statue XXXX you didnt put the whole law. You took pieces of the law and fit in where you thought it made you look good and not a liar. This statue XXXX says about liquated damages which is in reference to a signed contract. Dont worry i have proof That it was emailed to me by someone who works for the law library. 

Second thing you never answered why my documents I was served with start with XXXX to XXXX????. The records that were entered into ccap were from XXXX. Also XXXX have XXXX bills yet what was entered into XXXX  shows XXXX bills. 

Third thing you said that you garnished his check on XX/XX/XXXX in the amount of {$350.00}, XX/XX/XXXX {$320.00}, XX/XX/XXXX {$440.00}, and XX/XX/XXXX {$340.00}. You straight out lied to the cfpb. The documents I have are straight from my husbands checks showing when they were garnished. They were garnished XX/XX/XXXX {$290.00}, XX/XX/XXXX {$380.00}, XX/XX/XXXX {$350.00}, XX/XX/XXXX {$320.00}, XX/XX/XXXX {$440.00} and XX/XX/XXXX {$340.00}. Obviously the dates dont add up. Nice way to try and confuse someone but i am too smart for that game. You are going to have to explain to someone for what happened to the money. It shows from beloit system only {$5.00} was paid in XXXX, nothing in XXXX. You took {$2100.00} and only paid Most of the money is unaccounted for, There needs to be accountability if youre going to steal from a XXXX working persons paycheck. You lied on what you said on what you paid on these bills. You paid in XXXX {$5.00}, In XXXX {$0.00}, XXXX {$0.00}, In XXXX {$210.00} And XXXX {$180.00}. So you took out {$2100.00} and only paid {$390.00}. This is right on the beloit health systems website. So you took out {$2100.00} and only paid out {$390.00}. Where is the remaining {$1700.00}? My husband works hard for us to survive. 

The 4th thing i Have is the proof That i took screenshots on what was actually paid to the hospital since the garnishment started in XXXX not XXXX of this year. 

You sent to the cfpb that you paid {$320.00}, {$440.00}, {$340.00} and {$260.00}. This is for a grand total of {$1300.00}. How did you get that you received {$350.00} yet only paid {$260.00}. Your math doesnt add up with the interest and principal to {$350.00}. Where is the rest of the money you took? Why does your records not reflect beloit memorial hospital payments?
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to include the following fraudulent account I recently noticed that is being reported as a collection and hurting my ability to obtain credit. Please remove the following fraudulent collection account - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX.
Product: Debt collection

I had a credit account with XXXX credit. I could not pay the balanced owed, so in XXXX of 2020, XXXX wrote off the debt as bad debt. A charge off. My credit score has gone down.The only way I can improve my credit is to give the past due bill to XXXX, and not a debt collector.Paying a debt collector will not improve my credit and I will still owe XXXX. How can I owe Rausch Strum collection agency any money when I did not incur the debt with them? How can I be sued when XXXX has written the debt off as bad debt? Rausch Strum isn't listed anywhere on my credit report. I did not even know I was being sued until a summons appeared on my door. I never entered into an agreement with them.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX