23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I posted an Ad on XXXX to sell my bunk bed frame for {$100.00}. this guy contacted my on XX/XX/XXXX thru email and ask for phone number. I shared my phone number, he text me that he is interest to buy and will send the check and asked me to confirm once I receive the check by mail.I share my residence address for check mailing. I received a cashiers check next day on XX/XX/XXXX amount {$1400.00}. I was surprised with the amount, he told me that the extra amount is to pay the moving company who will be there for pick up.I was reluctant to accept the check but he assured me everything will be fine then I tried to deposit the check thru mobile and ATM but in vain and by the time I reached bank it was closed this happened three days, finally I deposited the check on Sat XXXX in Bank of America. check was cleared on Mon XXXX. I confirmed him that the check is deposited, he said he will schedule the pick up, next day XXXX he informed me that they need payment thru online transfer since I had the money from the check I transfer the money thru XXXX transfer {$1300.00} ( {$1400.00} minus the bed price {$100.00} and additional {$70.00} for the trouble going to bank multiple times ) to XXXX. next day onwards I had power outage due to storm and were out of power for three days, I tried contacting him thru SMS but he did not reply. when the power was restored I checked my bank account on Mon XX/XX/XXXX and found that he got the check returned amt {$1400.00}, I called bank of America to report fraud that I was duped for {$1300.00} they filed a complaint, I also filed complaint with the local police case # XXXX my concern is how did the bank reverted the cashier check {$1400.00} without my authorization, they said they got call from other bank stating it as forged check and it was returned. on the other hand I lost {$1300.00} to this so called moving company. Is it this easy to make online fraud and get away with it? This guy 's number is still have he just blocked my number, I asked police to trace his number but they did not offer any help. I don't know what to do this is my hard earned money which I needed the most during this difficult time of pandemic, I hope to get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the Equifax breach, I have been trying to understand my risk and mitigate them. I 've spoken with all three credit bureaus, and feel less secure than when I started. All three are like XXXX businesses : These credit agencies collect our private info without our permission. Then they want to charge us to protect us? And according to the Equifax XXXX XXXX phone call today, XXXX/XXXX/XXXX ), if I sign up for Trusted ID, I waive my legal protections in case I end up a victim as a result of their incompetence? 

So, I 'm terrified and would like some protection from these risks. I do n't trust this industry to police itself, please help. 

I also have XXXX XXXX XXXX ( XXXX, XXXX ). Each company says different things, influenced by state law ( I 'm in XXXX XXXX and their internal policies : TransUnion says I have to get a court order to put a credit freeze on my XXXX XXXX XXXX. But I can send in an application to note of their files that they are minors. Not sure that would do anything, and do n't they already know that they are minors? 

XXXX says that my XXXX have to call them for service, that I ca n't act on their behalf since they are no longer minors. This is their internal policy. I thought I was legally responsible for my children! XXXX? 

Equifax says 'do n't worry, since they have n't started financial activities, they will have no credit on a credit report. I do n't need to do anything. Right. 

Dealing with these call centers has been awful. The agents range from haughty and impatient to ignorant. None of them clearly explained my risks and what their services can do to protect me. 

Why is Equifax even in business? They had XXXX job to do! This information is too sensitive to be left to fly by nigh businesses with little accountability to their customers.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) 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 remove
Product: Debt collection

I received a court citation and I have no idea why, my name is wrong on the letter and I have to appear tomorrow
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, US DEPT ED Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, US DEPT ED Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX is been reporting an inquiry by XXXX XXXX XXXX on XXXX. I have no business with this company nor authorized them to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I had been struck with several hard inquiries across my credit reports at all reporting agencies. I have been disputing these inquiries as I did not provide any authorization for my information to be shared, My car is paid off entirely, with no lien holder. How would I had received is not even in my name. Experian, XXXX, XXXX and other credit reporting agencies have not been compliant and have denied me the disputes relating to hard inquiries on XX/XX/2022. This has been completely unethical and illegal.
Product: Credit reporting or other personal consumer reports

Dispute Letter Aggressive XXXX XXXX XXXX XXXX XXXX letter FULL NAME XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX CREDIT BUREAU NAME XXXX Credit bureau ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX. 
XXXX, I just looked at my credit report and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. 

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit XXXXEquifax XXXX XXXX and/or XXXX ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been a victim of Identity Theft, which fraudulent activity has been reporting to my TransUnion Credit File/Report. I have filed an FTC and Affidavit and have my Police Report to remove these fraudulent items from my credit report. In addition, I have overnighted the same information, which took a long time for someone to get my complaint and process it, which I am filing this complaint now. Also, TransUnion is violating HJR 192 of 1933, 15 U.S.C. 1681b, and 18 U.S.C. 1028A, which my next steps is to seek litigation of damages of {$1000.00} per occurrence. There is XXXX fraudulent account and XXXX fraudulent Inquiries on my credit report, which needs to be removed effectively immediately. I am filing this complaint because TransUnion is always receiving and processing my paperwork late or not even processing it at all and is always an issues relating to removing items via certified mail, which I heard people in similar situations saying the same thing. Therefore, I am submitting a complaint and asking TransUnion to remove all fraudulent items from my credit file, based on my documentation uploaded through CFPB. The fraudulent account is : XXXX XXXX Date Opened : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX. XXXX Fraudulent Inquiries, which Include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report. I noticed that these credit agencies were falsely reporting on my credit profile. 
I tried contacting XXXX, Equifax XXXX XXXX consumer solutions. But didnt receive an answer. I sent out letters on XX/XX/XXXX & still havent received anything back. On my credit report, I see that my XXXX XXXX has a past due 30 days late on XX/XX/XXXX. I have never paid my account late and I asked them to update the account to paid as agreed. According to 15 U.S. Code & 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Anything thats Not being reported correctly must be adjusted to the correct status. Please help me with this convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX 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 lab test was sent to XXXX XXXX. My doctors office sent it to XXXX even though that lab is not covered under my insurance. I spoke with a case XXXX about it and was told the bill was paid. After the invoice sent to me in XX/XX/XXXX I did not here from XXXX XXXX any more. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that the bill from XXXX XXXX was in collections. I called XXXX XXXX and got a receipt showing I do not owe any money. The updated invoice is dated XX/XX/XXXX. I faxed it to the collection agency. They then mailed me a copy of the invoice dated XX/XX/XXXX which is dated before the debt was paid asking for payment.
Product: Credit reporting or other personal consumer reports

Proof of me signing documents. Opened collection i have not been paying since i seen this company but it says i paid XXXX never sent anything. Tell them to send payment details please if cant remove this company i dont even know them
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I want to inform you that I have been a victim of identity theft. 
I have been a victim of identity theft. I saw a fraudulent inquiry on my credit report. 
The fraudulent inquiry listed in this letter and FTC report need to be removed or blocked from my TransUnion credit report According 605B of the Fair Credit Reporting Act.
Product: Debt collection

I was employed by XXXX XXXX XXXX back in XX/XX/XXXX I had a exam and x-rays done the dentist suggested for me to get some fillings. I was told by the current manager at that time that I wasn't gon na get charged for any services therefore I didn't sign any treatment plan regarding any charges for the treatment. When I left the company in XXXX they never told me anything about charges on my account as a patient. Later on in XXXX I pulled my credit report and their was a collection debt from XXXX XXXX XXXX saying I owed about {$900.00} when I wasn't even aware of these charges. The only way these charges were applied was for some type of retaliation against me leaving the company I have asked both the collection agency and the dental office to validate these charges with a signed financial agreement that I am fully responsible for these charges, a signed office financial policy along with signed treatment plan. They haven't been able to provide any of these documents because they don't exist.
Product: Money transfer, virtual currency, or money service

yes ive havd several funds taking out of my cash app accoiunt and ive been tring sence XXXX to have them resolved and i have not been able to get any thing done with the problem cant get anyone to even look im to it and then on XX/XX/XXXX i was sent XXXX and only receved XXXX and there isnt a bank linked to the account and they keep tring to tell me that thed bank got the rest not possail when there isnot one linked to the account thank you
Product: Credit card or prepaid card

Applied for a credit card and was denied XXXX  months after bankruptcy finalized. Negative reports still on credit bureaus
Product: Debt or credit management

XX/XX/2024 Subject : CFPB to take off negative score. To : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15USC 6802. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number XXXX XXXX XXXX XXXX There is an account from XXXX XXXX XXXX on my credit report. I have continuously tried to dispute this account with Experian. Each time they continue to verify the account and keep it on my credit report. I have spoken with XXXX XXXX XXXX a number of times and they are not able to find an account for me. It is hard to fix this, because Experian is able to verify an account that I am not able to verify with the original creditor. 

When I call XXXX XXXX XXXX and give them the account number, they inform me they are not able to find my information on the account that Experian is reporting. Most notably, the Social Security Number is different, along with the address. 

My credit file has in the past become confused with somebody else. Experian needs to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  opened XX/XX/XXXX amount {$7400.00} -FTC Violation XXXX XXXX  opened XX/XX/XXXX amount {$5100.00} -FTC Violation XXXX opened XX/XX/XXXX amount {$300.00} -FTC Violation XXXX XXXX  XXXX opened XX/XX/XXXX amount {$320.00} - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX amount {$140.00} -FTC Violation XXXX XXXX opened XX/XX/XXXX amount {$900.00} XXXX FTC Violation XXXX XXXX opened XX/XX/XXXX amount {$3000.00} -FTC Violation XXXX XXXX XXXX opened XX/XX/XXXX amount {$4700.00} These are all inaccurate information on my credit report. This is a FTC Violation
Product: Credit reporting or other personal consumer reports

On or around XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was reported to my credit. I was completely unaware of this fraudulent account. This account is damaging my credit. I never authorized or opened this XXXX XXXX  account. This account is fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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, and Equifax have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Equifax. I reached out to them at least 5 times in reference to some unauthorized inquiries on my credit report. I contacted them and the companies that submitted the inquiries. I also submitted and FTC report in reference to the unauthorized inquiries on my report and sent a copy to Equifax three times. Once by mail which they said they never received. Second the the dedicated fraud dept fax number I was given then a second time to the same fax number after I called a fourth time and they said they still didn't receive it. On the fourth call I spoke to a representative that said she saw my report and will delete the inquiries right away. I gave it two weeks only 2 of the 4 inquiries were removed. I called again and talked to a different rep who at first said they did not see my etc report of the page that had the specific inquiries in question. The rep placed me on hold then came back and said he saw it and will take care of the inquiries and delete them. Again I waited with no results. I called today and was talked to a rep that told me the FTC report was invalid even though the previous two reps told me they had everything they needed to delete the inquiries. I asked to speak to a supervisor and after being placed on an extended hold the supervisor came on and said they only received one page of my FTC report so it is invalid. Again this was after 2 of the 4 inquiries were already deleted now all of a sudden instead of my 3 page etc report they only have one page on file with no report number. the supervisor was rude and unhelpful and basically lied about the form that I sent in that obviously had everything on it. I asked if the calls are recorded and documented why she could not see the previous two conversations I had with representatives at her company that said they received the report and would delete the inquiries for me immediately. instead of her listening she talked over me and would not rerspond to my questions. The inquiries to be deleted are from XXXX XXXX on XX/XX/2020 and XXXX XXXX on XX/XX/2020. I will include my letter to them and the FTC report in this complaint
Product: Debt collection

This was a auto repossession account which was closed in XXXX and up until XX/XX/XXXX it was showing as " Closed '' on my credit report. As I checked my credit this month, XX/XX/XXXX, I discovered this account has been reopened and is reporting as " XXXX '' 4 years after it was closed. I am a military spouse and this had caused significant stress and an extreme drop in my credit rating. In fact, this item was scheduled to drop from my credit report in XXXX, now it is like the clock has reset and I need to wait another nearly 7 years. As I understand it from the legal standpoint, if the account was closed, new late payments can not appear. They can keep reporting it as repo / charge off if a balance is owed, but that is about it. If a creditor engages in incorrect reporting, I XXXX have grounds for legal action. I am coming to you for help. I would like for the account to be removed from my report completely. I have disputed this account being incorrectly classified on my credit report but it just reset it to the date when I disputed it. This is extremely unfair and I would say illegal. I have paid over 50 % on this account prior to XXXX. 
Account is owned by XXXX Formerly XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX Tel : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for Removal of Inaccurate Collection Account - Account Name : XXXX XXXX, Account Number : XXXX I am writing to bring to your attention an erroneous collection account that has been added to my credit report. As a consumer, I believe this account violates the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ) and request your assistance in having it promptly removed. 

Account Details : Account Name : XXXX XXXX Account Number : XXXX Explanation : 1. Inaccurate Verification : I have been informed by the reporting agency that this collection account was verified, despite the fact that I have never had any business or financial association with XXXX XXXX. This verification process was conducted erroneously, as I have never engaged in any transaction or entered into any agreement with this company. Therefore, the account is incorrectly linked to my credit history. 

2. Financial Hardship : The presence of this unjustified collection account on my credit report has significantly impacted my financial standing, causing undue hardship for both myself and my family. It has limited my access to credit opportunities, making it challenging to secure loans or favorable interest rates. Removing this inaccurate account will help alleviate the financial burden we currently face. 

I kindly request your immediate attention to this matter and the initiation of an investigation into the validity of the collection account. Based on the information provided, I firmly believe that this account should be removed from my credit report to ensure accuracy and fairness. 

I appreciate your prompt attention to this matter and look forward to a favorable resolution. Please provide written confirmation once the investigation is complete and the inaccurate collection account has been removed from my credit report. 

Thank you for your assistance.
Product: Bank account or service

Wells Fargo issued me a final credit on a disputed charge in XXXX 2015 then two days before XXXX they reversed that final credit leaving me with no money for XXXX. They have reopened my claim yet fail to do anything or refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent the attached letters about 50 days ago. I just dont understand why the credit bureaus are not taking responsibility to protect me as a consumer and make sure my credit report is up to date and showing accurate information