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

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and XXXX entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( XXXX ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( XXXX ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

( NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX in XXXX, the account was finalized in XXXX and paid in full, XXXX just reported 2 late payments in XXXX for an account that is closed and paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ;
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 advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 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 to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

I have tried three times to complete a credit freeze with XXXX after I was notified by two of my credit card companies that my SSN was found on the dark web following the massive data breach. I attempted this twice over the phone, as advertised on their website, on XX/XX/year>, after successfully completing credit freezes with XXXX and Equifax over the phone. After entering my zip code, the auto-generated response asked for it again, then glitched and said it could not complete my request, ending the phone call. I tried again on XX/XX/year>, and again the same thing happened. I tried to use the website which I was hesitant to do since I do not have a computer currently and need to use my phone. Again, after creating a login ( providing my contact information and address ) the website informed me it could not complete my request.I am currently abroad and do not have access to the documents needed to freeze my credit via mail. I successfully froze my credit with the other two companies, but less than 8 hours later, I received 12 spam calls in 10 hours, which is extremely unusual ( typically 1-3 per week ). While this could be a coincidence, I am worried that these companies are not securing my data effectively and that by attempting to protect my identity I have unwittingly made myself more vulnerable to identity fraud.
Product: Debt collection

XXXX rep called me to set up payment for debt that was already paid in FULL, as such they were not authorized to act on the note. I made 3 payments before realizing it was already paid in full. Currently trying to get my money back and it has not been easy. These are professional scam artists!
Product: Credit reporting or other personal consumer reports

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my XXXX XXXX status for fair evaluations
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

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 '' 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: Checking or savings account

USAA Federal Savings Bank at XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX has failed to issue proceeds from a deceased 's account in accordance with the final order of the XXXX XXXX. USAA retains these funds without explanation or corrective action. The funds of the deceased, XXXX XXXX ( account ending XXXX in the amount of {$25000.00} ) were to be distributed as 50 % to XXXX XXXX and 50 % to the Estate of XXXX XXXX per the Final Order of the XXXX XXXX. The certified court order was mailed to USAA XXXX XXXX on XX/XX/2021. USAA Bank issued a check in the amount of {$25000.00} on XX/XX/2021 payable to the Estate of XXXX XXXX and mailed this check to XXXX XXXX. XXXX XXXX could not do anything with this check because the XXXX XXXX did not authorize establishment of such an account per Summary Probate process in Florida. No Bank will set up such an account without XXXX XXXX authorizing such. The check as issued is not viable. The check was returned to USAA received there on XXXX XXXX. XXXX XXXX has explained this in numerous telephone calls and letters. USAA continues to hold the funds without explanation or correction. The last indication that USAA was doing anything was an email received XXXX XXXX XXXX XXXX USAA XXXX XXXX XXXX that she was researching the matter and she would be in touch. XXXX XXXX has not been in touch despite numerous telephone calls. The Judge for the Probate of the XXXX XXXX has held 2 Order to Show Cause Hearings wanting to know why funds have not been distributed to the XXXX XXXX as Court Ordered. The heirs are without funds ordered to be paid them and expenses are piling up as legal fees and court time are devoted to finding out why USAA has not complied with a court order. USAA has been advise that the Judge has set Orders To Show Cause Hearings.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment on the following account : Account Name : XXXX [ Account XXXX : XXXX XXXXXXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If I am unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax have failed to validate the debts for the accounts under 15 U.S.C. 1692g The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX a wrong collection report was file under my name and address. I did try to validate the information throught cerified mail exercising my FDCPA Rights made persuant to 15 USC Sec. 809 ( b ) on XXXX XXXX of XXXX an agent of the company name XXXX signed reciving my validtion notice but is been 40 days and the 30 day period has expired and they havent been able to provide me with any proof of this debt neither they have remove this account from any of the credit bureaus ( XXXX, XXXX, XXXX ) and doing more research they dont have a valid collection license in the state of Colorado making this report not only invalid but ilegal. i would like to report this angency and make sure this false report gets removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard credit inquiry from TD Auto Finance and I never signed anything giving them permission to run my credit.
Product: Credit reporting or other personal consumer reports

A dispute I didnt do got put on my credit report and I want it removed
Product: Payday loan, title loan, or personal loan

I applied for a capital one secured credit card a.d was approved. I did n't have enough money at the moment of approval so I was unable to follow through. Hours later I apply for a credit line again for I had enough to open the line. I was denied this time around and was given a mark on my credit report!
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the 4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors- [ ] I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I transferred money through WesternUnion and money was deducted from my account at the same second. After a few minutes i got email transaction was not approved by the bank and to call the number behind my card.

I called bank and they confirmed money was transferred at the same time and there was no delay from their end.

Then i called WesternUnion and they said they have got the money but they can not process the transaction and it will be refunded to my bank within 7 working days. I borrowed that money from a friend to send my family. My brother had accident and they immediately needed money. WesternUnion union claims on their ad, website and apps that money will be transferred within 2 minutes even their hold music is send money to your loved ones within 2 minutes No help from the staff and they kept on saying i have to wait 7 working days.

I understand the policy but i was told to call the bank because they need approve the transaction and i checked with bank and it was a lie. 
They were unable to give any reason for declined transaction. 
I even have my bank statement showing the money was gone to WesternUnion account. Who is liable for the delay and hassle their stupid website and false claims have caused. 
I dont want it to happen to someone else.
Product: Credit reporting or other personal consumer reports

I received a response from Equifax stating they verified an account as accurate. I looked at my credit report today XX/XX/year>, and still see incomplete and inaccurate information. According to the FCRA, 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 to whom the report relates. ( See attached ).

USBK Court - XXXX - Information is reporting inaccurate and is still not correct.

So I request a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 and 15 USC 1681i ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting account # XXXX has violated my rights. I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX account # XXXX and do not have a contract with XXXX. They have repeatedly failed to provide me with the original application like I've requested. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C. These accounts above has caused significant damages. 15 U.S.C 1681 Section B. states that anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be errors. Here, as follows are items in error : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX I am unaware of the above-listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. 

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX  along with an online public press release, including documentation of any potential small claims action.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX : Account # XXXX -Date opened XX/XX/XXXX XXXX XXXX XXXX : Account # XXXX - Date opened XX/XX/XXXX - Balance {$17000.00} XXXX XXXX XXXX : Account # XXXX -Date opened XX/XX/XXXX XXXX XXXX  XXXX XXXX : Account # XXXX - Balance {$44000.00} -Date opened XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank has allowed multiple credit cards to be opened in my name. I have reported this to them, only to have the same issue repeat. They have also allowed someone to access the account, change the address and online access, without my consent.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XXXX/XXXX/XXXX I purchased an engagement ring and wedding band. The jewelry was purchased with a credit card agreement with Wells Fargo. There was no interest due if the total balance was paid within 12 months. I had problems with the engagement ring and filed a complaint with Wells Fargo within the 12 month period against the jeweler. Wells Fargo told me that the account would be put on hold and no payments needed to be made until the dispute was settled. Today I received a statement from Wells Fargo stating that {$850.00} in interest was due along with the balance on the jewelry. I called them and they said the dispute was settled. I never received anything stating that the dispute was settled. They said they sent a letter on XXXX/XXXX/XXXX. I never received it. The interest was charged on XXXX/XXXX/XXXX. The account was supposed to be on hold. This does not make sense. They will not remove the interest charge. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I was completely shocked when I saw incorrect accounts on my credit report this morning, and I dont know how they showed up. I check my credit report regularly, and this time there were discrepancies that seemed to appear out of nowhere. I thought it could be a glitch and refreshed the browser, but the errors remained. Because of this issue, Im requesting that the documents Ive sent be carefully reviewed to ensure I dont have to worry about this happening again.