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

I am writing to formally request that the accounts and inquiries listed below be blocked and deleted from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), as I have been a victim of a recent data breach. The information relating to these accounts is now compromised, and I am exercising my rights under federal law to ensure they are permanently removed from my credit report. 
The following accounts should be blocked and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request that the following inquiries also be blocked from 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Name : XXXX XXXX date of Birth : XXXX IDType : identification cardIDNumber : XXXX Address : XXXX XXXX XXXX XXXX KS XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my TransUnion Consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance/Personal XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX  Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies I dont recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Trans union report immediately!
Product: Prepaid card

I was awarded XXXXXXXX XXXX, and my back pay totaled over {$80000.00}. I initially requested the funds to be sent via ACH transfer to my bank account, but instead, the Social Security Administration ( SSA ) deposited them into a XXXX XXXX account, which resulted in a new card being issued. 

In order to access the funds and pay my XXXX XXXX XXXXXXXX XXXX insurance, I was told that I could either : 1. Withdraw the money in {$2500.00} increments, incurring transaction fees, or 2. File a request to have the money transferred to my bank account.

I attempted five times to transfer the funds, but after four attempts, XXXX XXXX informed me that they could not transfer the money into my joint bank account ( because my husband 's name was on the account ). They told me I needed to remove his name to proceed. 

I then went to my Social Security office in XXXX, where they said they would **look into the issue. However, I later received a call from XXXX. XXXX XXXX saying they were closing my account due to Fraud that the Social Security called about. I tried to explain but the hung up. I called weeks later and they said they sent the money to Social Security. 

Current Status - XXXX XX/XX/XXXX 10 transactions was completed. 8 for {$9900.00} two for amounts over {$2000.00}. I followed up with XXXX. XXXX XXXX, and they told me they had debit ( XXXX ) my account and used the XXXX process, meaning the funds were supposedly sent back to Social Security or Commerca Bank they weren't allowed to tell me where exactly. 
- I spoke with Social Security, and they told me that Comerica Bank had the money as of XX/XX/XXXX. 
- I then contacted Comerica Bank, but they claimed they do not have the funds and told me I needed to contact the Consumer Financial Protection Bureau ( CFPB ). However they did take my complaint and said they will call me back but there is nothing they can XXXX The XXXX - Social Security says Comerica has the money. 
- Comerica says they do not. 
- XXXX. XXXX XXXX refuses to provide documentation on where the money went. They said to call the Treasury Department. 
- Meanwhile, my XXXX insurance company believes I have the money and am not to paying them back. 


My heart is broken and the hours and stress this has placed on me has be feeling worse. My XXXX is a result of a XXXX and I don't want to risk another one, but this going in circles is not okay. What if I was elderly and didn't have the support I have of a family, husband and community.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in Violation of 15 USC 1681b XXXX is in Violation of 15 USC 1681b TransUnion is in Violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

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. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Company claiming to be american express Phone number XXXX XXXX XXXX Calling personal number repeatedly Calling AT WORK Calling about father 's credit card, not my own Looks really bad to get calls at my own work over this. Especially when they call customer service to ask for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that are showing up on my credit report and they do not belong to me I have started my dispute process back in XX/XX/2020 and nothing has yet been done for this I have also filed a FTC for these two accounts and send them in to the bureaus and again nothing is being done about this please help me out. 

XXXX - XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX  ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found fraudulent accounts that are hurting my ability to obtain fair credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching my old and latest credit report as a refference. 
I am requesting that my credit report be reviewed. This is the XXXX attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my latest credit report in TransUnion that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX I looked at my XXXX credit report on ( XX/XX/year> ) 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 following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this fraudulent accounts and it is affecting my credit report. 
I submitted documents to support my allegations. 
Please review the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After investigating and reviewing my documents please make the necessary corrections to correct this matter and remove them from my credit history. 
Thank you.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX Two hard inquiries for purchase of RV motorhome were made. 
I believe the inquiry should have been counted as ONE since it was for the same purchase.
Product: Credit card

Hi I have a homedepot credit card ( citi bank ) with a XXXX dollar limit. I been building a new house and came got into some financial problems. I been making payments until I could n't afford to make the minimum payment The interest and penalties just kept piling up. I just recently started work ( XXXX 2015 ) I had my wife go down to homedepot to talk to customer service to make payment arrangments. they agreed if we paid the credit card off within 6months we would n't have to pay any interest or penalties, So she made a payment of XXXX dollars. Making that payment should of had a balance of XXXX. but when I look at the statement on internet it had a balance of XXXX. I call customer service they said they have no records of the agreement. please help me and give me advice on what to do, if they can ; t get this resolved I do n't want to have any thing to do with citi bank or homedepot credit cards. anymore
Product: Debt collection

XXXX XXXX XXXX has committed fdcpa violations, they continuously use offensive language towards me and doesn't properly verify me most of the time. This has been going on for over a year.
Product: Debt collection

I did not authorize the sell of my debt or info to no third party which Id violation of 15 us code 1692 and fair debt collection practices act. Its also reporting XXXX  on my consumer report is violation of hippa law and I aske under 15 us code 1692 c to create communication. I called talked to manager he was very rude and told me he dont have to verify account before purchasing them.
Product: Student loan

XX/XX/XXXX of 2023 sent letter found in uploaded documents via certified mail. XX/XX/XXXX of 2023 the letter was received. XX/XX/2023 nelnet replied via email which is uploaded below in uploaded documents not providing the information I requested but instead reviewing my request from almost 30 days prior. On XX/XX/XXXX of 2023 I received another email asking for asking for 30 days from XX/XX/ 2023. As of XX/XX/2023 I have received nothing further from them and nothing from my XX/XX/2023 request.
Product: Credit reporting, credit repair services, or other personal consumer reports

cheystem reporting XXXX XXXX XXXX XXXX not mine
Product: Money transfer, virtual currency, or money service

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

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

I have never even heard of XXXX From Rhode Island before, and yet they have withdrawn {$39.00} from my prepaid debit XXXX card on multiple occasions! Most recently on XX/XX/XXXX at XXXX. Not only have they withdrawn this random amount multiple times, but they have also attempted to authorize my crd for that same amount EVERY SINGLE DAY, SOMETIMES TWICE A DAY, since XX/XX/XXXX!!!! I'm glad I dont have that much money on this card and the authorization was obviously declined several times because THEY ALREADY TOOK ALL MY MONEY!!! I DO have my monthly statements to show this and I also am enrolled in the XXXX XXXX XXXX program so that they text me EVERY SINGLE time they either took my money or attempted to take my money!!! I tried calling the XXXX number they provide on their website ( no other info is on their site except for their number .... ) And repeatedly got a lady with a XXXX accent saying that they were closed!!!! So I XXXX the company to see if anybody else has experienced the same thing from this company, and their are SEVERAL people getting scammed by this company!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan from XXXX and I have never missed a payment. However on XXXX, XXXX and XXXXXXXX XXXX XXXX it shows up on my credit report that I missed a payment for these XXXX months. This is inaccurate and I even just got off the phone from XXXX and was informed in their system that I have never missed a payment. This error on my credit report is hindering me from buying a home.
Product: Credit card or prepaid card

Over the last ten years, USAA bank has reduced auto pay based on additional payment. The process of increasing my credit limit and fix auto-pay to keep balances high has cost me thousands. The system does not allow me to pay an additional payment and use auto-pay without reducing the auto-pay amount. The company would not allow that.

Bank also, changed my credit card to visa dropping my credit rating and impacting insurance.

The company states it too confusing to provide a principle payment option to pay the bill.

Also, the company increased my credit limit without me asking.
Product: Credit card or prepaid card

I have contacted Discover credit card starting last summer of 2021. I got the erroneous and fraudulent item removed from my credit files with XXXX credit bureau. I then tried to contact XXXX and XXXX, to do the same but there was no deletion. I still contacted Discover to remove the item, letting them know I never applied for or recieve any card, that showed up on my files. I even asked the representative to send me verification of my wet ink signature or any information with my identifying marks and they never respond, either by email or regular mail. This erroneous and fraudulent information is hindering me to get a better paying job, to support my family, and be a more productive citizen of this great country.
Product: Debt collection

I have went through Covington Credit for loans. The last loan I have had through them I was unable to pay due to a number of reasons. After my brother passed in XXXX 2021, I went through XXXX XXXX XXXX to get help on paying bills/loans off and to start working on my credit. This company not only started to call me constantly ( they were harassing me at this point ), they would not work with us ( myself & XXXX ) to resolve this balance. This balance remains unpaid as of to this date because they just would not work with me. 
They have charged off my account on my report back in 2021 and then recharged off on my credit report not once, but twice this year alone. 

This company is horrible to deal with and should not be in business. I tried to get them taken care of but they refused to work with XXXX XXXX XXXX. I am afraid of reaching back out to them because of the endless calls received.
Product: Debt collection

To Whom It May Concern, I am writing in response to your phone call that Ive received. I request that you provide validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor. 2. The date the debt was allegedly incurred. 3. The amount of the debt, including a detailed breakdown of all fees, interest, and other charges. 4. A copy of any signed agreement or contract that obligates me to pay the debt. 5. Proof that your agency is licensed to collect debts in my state. I also request that you cease all communication with me about this matter, except to provide the requested information or to inform me of specific actions you plan to take, as permitted by law. Please note that this letter is not an acknowledgment of liability for this debt. I will review the requested documents to determine if I am legally obligated to pay. Thank you for your cooperation. I look forward to your timely response. Sincerely, XXXX XXXX
Product: Debt collection

I attended XXXX University in XXXX. I left in XX/XX/XXXX due to a conflict with a professor. My loan was returned and given to ECSI Heartland Campus Solutions for debt collection on XX/XX/XXXX. I have never defaulted on my student loans. 

I applied for and was accepted to a school in XX/XX/XXXX. I was denied financial aid due to a student loan being in default. Nothing for student loans turned up on my credit report, except my student loans in good standing. 

I have received bills from XXXX with an amount. The amount changes frequently with no itemization or explanation. On XXXX XXXX, XXXX I called XXXX for an explanation of the loan. Is it a student loan or not? I requested an itemization of my charges from my time at the school. I was informed that they sent the " returned '' loan to ECSI and I would have to call ECSI Heartland.. 

ECSI has never put their information on my bills, no account number, no phone number or address for ECSI Heartland, no mention of ECSI Heartland. The billing statements deceptively appear as if they are coming from XXXX, which XXXX denies. I tried calling ECSI Heartland and was on hold for half an hour with no response. When I tried to use the online platform it routed me to register with ECSI Heartland. I'm not interested in registering I would like an itemized copy of the original bill and an explanation of whether it is or isn't a student loan and if they can block me from receiving financial aid.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX  Reported : XXXX XXXX, 2024 XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2024 XXXX XXXX XXXX Reported : XXXX XXXX, 2024