23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/14 I responded to a suspicious XXXX mail from " XXXX XXXX ''. It had " Re : XXXX XXXX XXXX ''. 
I was looking for an apartment and had no time to shop around. 
This mail had a link called XXXX to -membershipXXXXtransunion.com and XXXX 
{$24.00} a month and free if I cancel within XXXX week. 
The mail said get the report and send the screenshot of my credit score. 
The link asked my credit card number and SS number I entered. 
I entered XXXX credit card number because first one couldn't go through. 
The XXXX one also. 
I got charged {$1.00} right away on my card. 

I realized it is very suspicious after searching website. 
Now I locked the XXXX credit cards.
Product: Money transfer, virtual currency, or money service

I need assistance with recovering {$50.00} that was fraudulently stolen from me XXXX XXXX / XXXX XXXX. He offered to sell me a ticket to an event called XXXX XXXX XXXX XXXX through XXXX and XXXX XXXX, and I have extensive records documenting our dialogue. At his fraudulent instruction, I paid {$50.00} through the Cash app that the person specified, connected with my XXXX XXXX XXXX debit card. After the payment was submitted, XXXX XXXX / XXXX XXXX deleted their XXXX account and did not send the agreed-upon ticket. I then submitted complaints to Cash app and XXXX XXXX XXXX and have not received any assistance. I need their assistance to pursue the recovery of my {$50.00}.
Product: Debt collection

I have contacted Acima several times since mid XX/XX/XXXX. I have asked numerous times for them to provide me documentation of the lease agreement that they state I am owing for lease # XXXX. There are many discrepancies with this collection. First, I am not aware of this account, but I tried to reach out to them to get all documentation first. I have been informed 3 times that they have sent this information of the lease agreement to my email and should receive it within 1-2 business days. I have YET to receive anything. I have also verified the email that they are sending these reports to, and I confirm that it is my email, but I have not received anything in my inbox nor spam. Apparently, I have a lease in my last four social of XXXX and another lease with the last four social of XXXX. Every time I talk to a representative, I am given a different balance on each occasion ( in which none actually matches the amount shown on my credit report ). On the last conversation, I explained to the supervisor ( XXXX XXXX. ) that I am not aware of this account, and since then they have denied providing any more information. She stated that since I informed them that this could possibly be fraudulent activity, they can not share or provide any more information with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute on XX/XX/2021 regarding inaccurate and unauthorized items on my credit report. I received a response from XXXX  XXXX XXXX and Equifax stating that items in dispute have been verified however, in order for validation to occur, according to 15 U.S Code 1681 ( a ) ( e ) ( exhibit attached ) ; this law states that when a consumer investigative report is conducted ; factual information should not be included and an interview has to be conducted with my neighbors, friends or associates according to the FCRA 15 USC 1681 ( a ) ( e ) and this did not occur therefore the inaccuracies were not validated. Delete these inaccuracies and unauthorized items from my credit report immediately as you are civilly liable for reporting unauthorized, inaccurate information on my consumer report and each violation according to 15 U.S Code 1692k ( exhibit attached ).
Product: Vehicle loan or lease

So I got sick before my first payment was due, at first they worked with me, which I just has XXXX a month ago that sick. Santander finally put my cat for repossession, even after saying they would work with me till I could get back to work. I had to.start borrowing money to get the {$1800.00} paid off, I paid {$1800.00}, so paid off last month. I got an email today saying I'm behind 3 payments and car back for repossession????????? According to online {$1600.00} is owed, which means either payments were not processed correctly, or they have charged me {$1600.00} in fee 's. I have sent them an email, I'm literally trying to get better, threw up today, so the stress is delaying my healing. Santander is a horrible company and how what they do is legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because the credit bureaus DO NOT update real time they continue to post incorrect and higher balances impacting our credit scores and denying available credit. [ DTI ] Disputes have been made consistently but it is impossible for them to correct because lenders do not report but only negatives Real Time! This creates a financial hostage situation you the CFPB evidently do nothing about nor does Congress. Right now today 5 creditors balances incorrect CO $ XXXXlower AC XXXX lower LC- XXXX lower, OM- XXXX o, OL- XXXX lower
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is only updating the information and instead of properly investigating, The account is in litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 


XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, someone fraudulently re-used one of my personal checks at XXXX 's in XXXX IL for over {$600.00}. A check original written and cleared, in XX/XX/XXXX to XXXX, was used by thieves. They erased XXXX stamped processing information, wrote in XXXX, printed the amount and forged my signature. 

A police report was immediately filed, ( no copy received yet - on going investigation ), the money has been returned to my account. I am one of the millions whose information was breached by Certegy several years ago and now they allowed or did not required id verification for my check written at XXXX at XXXX XXXX at night for over {$600.00}, but did have my driver 's license noted of RETURNED check on file. 

The money was returned within a few days to my account, with police verification of XXXX 's video that it was not me. However, XXXX 's or Certegy has been able to have my Driver 's license noted of a {$600.00} RETURNED check on my records, not a FRAUD check but a RETURNED check. I own several businesses, which this is now going to affect my credit, trying to renew any of my credit lines. 

I have been back and forth with XXXX and Certegy, with both stating I need to contact the other party. An innocent victim being treated like a ping pong ball trying to save her credit and business reputation. 

I own several businesses, have had a XXXX XXXX  trying to protect all my credit cards, credit lines, loans etc, only to fall victim of fraud and am now being treated like a criminal. I am unable to write a check from my new account for groceries, because my Driver 's license number has been erroneously noted as RETURNED instead of FRAUD. 

This will impact ALL my business financial dealings. Due to the economy, we have already been struggling trying to maintain our credit rating, and now due to XXXX/Certegy allowing a fraudulent check be issued on my account, I am faced with having to fight to renew credit lines, vendor harassment because false information has been placed on my credit information. 

I am unable to obtain an attorney, until I receive the police report, which has been delayed due to on going investigation. I will be contacting an attorney for the harassment,, negative impact on my credit, personal/business embarrassment when the grocery clerk announced CAN'T ACCEPT CHECK YOU HAVE A {$600.00} RETURNED CHECK TAGGED TO YOUR DRIVER 'S LICENSE. At this time, I do feel XXXX/Certegy whoever is responsible for getting Returned tagged to my DL instead of FRAUD, is liable for my time off work, bills I'm having to pay late, harassment received trying to write a check, the negative impact its causing on my credit affecting both my business ' financials and hospital bills when I'm admitted for XXXX, XXXX XXXX XXXX and XXXX this has inflicted. What kind of sum do you put on that? I am demanding reimbursement of {$7500.00} which I believe is low, considering the impact XXXX/Certigy has had on me personall, financially, my businesses, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently returned from XXXX with military and found that my claim was denied due to lack of evidence. I filed a complaint against Transunion and XXXX XXXX XXXX. On XXXX I received an alert that a hard inquire was made by XXXX  XXXX XXXX. I contacted Transunion because they are the ones that alerted me and they confirmed a hard inquire was made. I told them I did not make any inquires and I was told to speak with XXXX  XXXX XXXX. The following day I called XXXX XXXX XXXX fraud department and was told they were unable to see the inquiry. I went to their branch and was told the same by the representative, that no inquire could be found. I contacted Transunion and let them know that XXXX XXXX XXXX could not see the inquire so they were unable to help me. Transunion started that they needed XXXX  XXXX XXXX to write a letter stating that the inquire was fraud. I investigated further on Transunion website and found on my report that a person named XXXX XXXX XXXX from California made the inquire. The information on Transunion website clearly shows the name and address which do not match my information. I was told by Transunion they could not help me without the letter from XXXX XXXX XXXX. Ive been bounced back and forth by these two company and neither wants to help me resolve this issue. It ridiculous that Transunion has the information on their own website showing it was not me and they will not assist me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS INFO ON MY CREDIT REPORT THAT IS INACCURATE. 

NOT MINE : XXXX XXXX XXXX -- NOT MINE XXXXXXXX XXXX XXXXXXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY  XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY  XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY  XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY   XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY  XXXX XXXX XXXX XXXX, FL XXXX-XXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXXAPARTMENT COMPLEX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured card with Discover. Opening the card required a deposit. I paid an {$800.00} deposit which allowed for a secured credit card balance of {$800.00}. After reporting unrecognized charges, Discover  conducted XXXX investigation. Discover decided to close the secured credit card account. Discover never returned the {$800.00} deposit. Discover reported XXXX late payments to XXXX credit report however, payments were never late. The late payments Discover is reporting were related to reversed temporary credits during the investigation. After they did not find in my favor and determined I was responsible for the fraudulent charges, reversing the temporary credit, Discover claims resulted in late payments. Further, Discover still refuses to return my {$800.00} deposit. The account has been closed for XXXX years.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my TransUnion credit report, which has persisted despite previous disputes. This erroneous information is adversely affecting my creditworthiness and financial standing. I request its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), specifically citing sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ). 



XXXX XXXX XXXX XXXX XXXXXXXX - Please investigate these late payments and promptly remove them if unable to verify their accuracy. If the late payments can not be verified, please delete the entire closed account from my credit report. 

XXXX XXXX XXXX XXXXXXXX - There's an error in reporting these late payments as the account was closed before the reported dates. Please investigate and remove these late payments from my credit report. If unable to verify their accuracy, please delete the entire closed account. 

XXXX XXXX XXXX XXXXXXXX - Please investigate these late payments and promptly remove them if unable to verify their accuracy. If the late payments can not be verified, please delete the entire closed account from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX - I found late payments inaccurately reported on this closed account. Please investigate and remove them if unable to verify their accuracy. If the late payments can not be verified, please delete the entire closed account. 

XXXXXXXX XXXX XXXXXXXX - XXXX - The charge-off account on my credit report is inaccurately reported as open despite being closed with a zero balance. This discrepancy misrepresents my credit standing and violates fair credit reporting. I request that you deleting this account from my credit report. 


Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request its correction or removal. Despite my previous efforts to dispute this inaccurate information, it remains on my credit report, causing undue harm. 

Furthermore, Section 623 ( a ) ( 2 ) of the FCRA mandates that consumer reporting agencies must promptly delete or correct inaccurate information upon receiving a dispute. The persistence of this inaccurate information on my credit report demonstrates a violation of this provision.
Product: Payday loan, title loan, or personal loan

The company is charging me 100 percent interest on a loan I had no other option to take to get my vehicle out of the repair shop. I contacted them and they insisted that this was their policy, to charge 100 % interest on an original loan of {$740.00}. They want upwards of {$1600.00} in total. I am unable to pay such an amount and they are badly damaging my credit in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 items 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 are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

XXXX : XXXX, XXXX XXXX XXXX, XXXX  : XXXX, XXXX XXXX  : XXXX, has violated my rights. 

I looked at my Experian 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 information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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 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 not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( 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: Debt collection

I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 

Equifax Accounts XXXX. Account Number : XXXX XXXX : {$740.00} XXXX XXXX XXXX  XXXX. Account Number : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX. Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Balance : {$1200.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Original Creditor : XXXXXXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$560.00} Status : Open Comments : Placed for XXXX XXXX XXXX XXXX XXXX. Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$470.00} Status : Open Comments : Placed for Collection The XXXX XXXX XXXX. Account Number : XXXX  Original Creditor XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX 
Balance : {$420.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX : {$64.00} Status : XXXX XXXX XXXX XXXX XXXX. Account Number : XXXX Original Creditor : Balance : Status : XXXX / XXXX XXXX This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was online and I applied for a XXXX  XXXX credit card and I got denied due to a low credit card score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a victim of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX XXXX {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5600.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and filed a previous complaint XXXX explained that I have NEVER applied for anything using my credit report. I have explained numerous times that the accounts for XXXX XXXX {$470.00} & XXXX XXXX  XXXX {$420.00} does not belong to me. These are not my accounts and I have not received anything from these companies. I have been a victim of identity theft and these accounts were opened as a result of fraud!!!!!!! Experian deleted the account for XXXX XXXXXXXX XXXX but not the XXXX XXXX {$470.00}. Please delete this account previous documentation has been faxed.
Product: Debt collection

Originally XXXX in early XXXX. 2 debts owed, one satisfied and last balance of {$220.00} for XXXX XXXX, after Money Order of XX/XX/XXXX, replacement from XX/XX/XXXX letter for returned check and I defaulted after XXXX in XXXX. 
Pressler & Pressler aka XXXX XXXX after V/M threat filed Default in amount of {$320.00} without the XX/XX/XXXX payment deducted although I confirmed with Paralegal XXXX and was to be corrected. 
Presser then served 2 Bank Levies ON THE SAME DAY OF XX/XX/XXXX to XXXX and XXXX as a garnishment, for the same amount {$430.00} each, a violation of Law. XXXX charged a {$60.00} Levy fee.

I informed that XXXX was a church and I was Secretary but was told as long as it has my SS # it is valid to Levy against. 
Informed that XXXX was a retirement income use since XXXX, even though on XX/XX/XXXX Judge Orders at NO Garnishment for 1st {$210.00} I am formally retired and unemployed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive faxed and mailed several letters to Equifax, XXXX and XXXX stating that accounts was opened in my name when I was still a minor which I never authorized. I provided proof of date of birth along with my social security number. My year of my date of birth is incorrect along with some addresses that I never lived. These are some of the accounts XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX is my cousin which Ive tried many times to remove. 
The addresses that I dont recongnize is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car XX/XX/XXXX, the finance company ( American Credit Acceptance ) haven't reported any of my payments to the credit bureaus. I've called and made all payments on time their response were they are backed up. The loan hasn't even been reported to the credit bureaus.