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

On XX/XX/year> i filled out my ftc report ( see attached ) and sent to Transunion and letting them know that I am a victim of identity theft, and the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 

On XX/XX/year> i received what seemed to be auto generated online response from transunion not following FCRA 's laws regarding protecting victims of identity theft. 

" Each company that received your credit report will be listed in the inquiry section of your TransUnion personal credit report, along with their contact information. Please note, a company doesn't always need your authorization to receive your credit report as long as they have a permissible purpose. Please also note, some types of inquiries, such as promotional inquiries or account review inquiries are disclosed only to you. 
If you think an inquiry was made without a permissible purpose, we strongly encourage you to reach out to the company who received your credit report to find out whether they have opened an account in your name. The company can then investigate and, if they determine that someone fraudulently applied for credit in your name, they can close that account and contact TransUnion requesting removal of the inquiry. If you have specific information that the inquiry was made fraudulently, or does not relate to you, you can also call us at XXXX. 
We're here to help. Should you have any further questions please visit Credit Scores, Credit Reports & Credit Check | TransUnion. You may also call us at XXXX. Please have your file number ready XXXX. 
Please do not reply to this e-mail. This mailbox is not monitored and vou will not receive a response. ''
Product: Bank account or service

On XXXX XXXX, 2016, I ordered XXXX tickets to an event that was to be held on XXXX XXXX using my TCF Back debit card online through the Dinner Lab website -- no PIN used. I was charged {$180.00} for the transaction. 
On XXXX XXXX, 2016, I received an email from the XXXX XXXX that they were ceasing operations immediately. I responded to the email asking when I could expect credit for the purchase and received a reply of the same text that was sent saying they were out of business. 
I contacted TCF Bank by phone on XXXX XXXX to dispute the charge and was told they would contact the merchant. TCF Bank did n't ask for any of the messages sent or received from XXXX XXXX. 
I have followed up with TCF Bank several times by phone and was told repeatedly that the merchant had until XXXX XXXX, 2016 to respond to them, at which time they would make their determination as to a credit to my checking account. 
As of XXXX XXXX, 2016, I have not received any info from TCF Bank.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Barclay card regarding a money order that I sent for payment. 

After several calls they stated I needed a copy of the cashed money order. 

This was provided to them. Originally they posted the credit and then they removed it. 

Later I received a letter that it was not enough objective evidence. Mind you it is a copy of the money order with the XXXX digit account number and has my mailing address. 

Not only that it also has the routing numbers of the cashed cashiers check and my name where they sent the copy to. 

So they closed the case and I had to call them to open a new case again. 

As of today the money order has been cashed by Barclay and no credit has posted. 

Worst of all you can not contact the investigation department correctly and the people that work for the. Have to do it through email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many complaints and certified letters to XXXX Experian and XXXX   requesting METHOD OF VERIFICATION of inaccurate information from XXXX XXXX. Attached is a Letter from XXXX XXXX Support Team requesting information from me that I believe is a mixed file. According to the FCRA I am entitled to a thorough fair investigation. The attachment supports that the 3 major CRAs and XXXXXXXX XXXX are not reporting and investigating disputes according to the guidelines of the FCRA.
Product: Credit card or prepaid card

The unauthorized transaction happened on XX/XX/2023 XXXX. The item was purchased on Apple online and pick up in the store ( XXXX XXXX Apple store ). As soon as I saw the notification, I reached out to the Goldman Sachs Apple support team. I told them it was an unauthorized charge. The charge was disputed and I had all my card numbers replaced. Few days later, the transaction still went through and someone picked up the item in the store by using my ID. My dispute got rebilled several times till now. Got a report from Goldman Sachs showing details that I made the purchase and picked up. Seems like the thief has all my personal information including my name, address, phone number, card number, and even my XXXX address. However, I was never there when the item was picked up. I do not own the item, and I do not know who has it. The person used guest checkout when making the purchase. The support team from Goldman Sachs refused to do further investigation. 

( XX/XX/2023 ) I made complaints on XXXX  and CFPB. I also went to my local authority to file a report. However, officer there said that I needed an affidavit letter from Goldman Sachs stating that this transaction was a fraud. I reached out to GS support and asked about the affidavit letter but the person said she couldn't help me with that. I didn't know who to reach out. I held on the report and waited to see if XXXX  or CFPB would push them to do more investigation. But no. 

( XX/XX/2023 ) One of the GS support team manager reached out to me earlier today said that he saw the complaint on XXXX  and told me that there's nothing else they can do unless I provide additional evidence or I can just file a report to my local authority. He couldn't even tell me what kind of additional evidence I can provide. I told him that I want to file a police report and the police officer so that they can know what actually happened that day in the store. The police officer told me that I need an affidavit letter from GS stating that this transaction was a fraud, so that they can start with the investigation. But the GS manager refused to provide the letter. 

I don't understand the logic here. GS wants me to file a police report and provide additional evidence, but they refuse to let the progress start. I even filled out FTC Identity Theft Affidavit report. I now have all the documents ready for filing the report, except for that affidavit letter.
Product: Credit card or prepaid card

Capital One I am trying to pay my bill with my remitance coupon and they're going to tell me that they haven't received it yet and they have is it just I already went to the treasury wrote them and they told me they already sent it to him and it seems like they're not following the US code or UCC code and not trying to follow none of my codes of the codes that's written in a straw man if you could tell them to go ahead and add my amendments on there my payment on there and react my card back
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Dear CFPB Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : - Original Balance : {$13000.00} Open Date : XX/XX/XXXX XXXX XXXX continues to report inaccurate and false information, continuing to lie regardless of the damage to my credit report. 

I am tired of this situation. I have tried to correct the errors I obviously mention and there are no results, only deceptive methods that do not fix or correct the errors on my XXXX and TransUnion credit report. 

Errores : XXXX XXXX XXXX XXXX XXXX and TransUnion that XXXX last payment was {$14000.00} made on XX/XX/XXXX, it doesn't make sense, the original loan was {$13000.00}, how can I pay more than the original loan? Even after having made monthly payments during XX/XX/XXXX until XX/XX/XXXX, it is an error that I have tried to resolve on several occasions and XXXX is not able to correct it, fix this or delete the entire account. 

XXXX XXXX XXXX XXXX XXXX and TransUnion that the account was opened on XX/XX/XXXX but in the PAYMENT HISTORY there is no activity for XX/XX/XXXX, why is nothing reported for XX/XX/XXXX? Please fix this or delete the entire account. 

XXXX deleted and removed the Balance History. Why have they removed that information about the monthly balance, the scheduled payment month by month or how much I paid month by month from XX/XX/XXXX to XX/XX/XXXX? Why was the balance history deleted in the XXXX report? Please provide the Balance History or delete the entire account. 

XXXX reports that I was 30 days late in XXXX and XX/XX/XXXX, that is false, it was the time of XXXX and they themselves gave me a deadline ( Extension ) to pay without affecting my Payment History, they clearly lied, I demand that the XXXX payments of 30 days late in XXXX and XX/XX/XXXX be updated to on-time payments, fix this or delete the entire account. 

I have tried to resolve these issues with XXXX on countless occasions. I demand that they delete this account immediately. XXXX is not able to resolve the errors nor does it have the information to certify and verify what they are reporting. 

Please XXXX has been updating this account with errors for over a year and with each update they add more errors, stop this aberration to my credit report and my integrity, delete this account completely full of errors and false information, it is my right as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have continually request to be opted out of these unsolicited offers to apply. I put a freeze on my credit. I am offended that my information is being shared in the first place. I did not request to be contacted or directly agree to my information being shared. When I opt out of one, two more are sent. It's like cutting off a head of hydra. I would like all offers to stop and not repeat under a different name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a complaint stating that an account was opened with XXXX XXXX  that I didn't authorize nor give my consent. I also attached a FTC report in proof on identity theft. XXXX removed the account from my consumer file and since have reinserted this fraudulent account stating that it has been verified. On this investigation results XXXX is also reporting on this notice that the account in question address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX  After I viewed the other two credit agencies I discovered that all three Credit reporting agencies are reporting different addresses for XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  & XXXX So now the question is who is this company that verified this account. I XXXX  the address XXXX  XXXX and the address that XXXX is reporting is not the correct address.
Product: Credit reporting or other personal consumer reports

I am contacting you regarding a tradeline listed on my credit report that is not being reported with maximum possible accuracy. This is a direct violation of the reporting standards, and I am requesting that you delete this tradeline from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA, and have done so many times successfully prior to this.

I demand the accounts in the letters attached to this complaint be deleted immediately, along with all hard inquiries, and adjustments to late payments be made in accordance with the instructions in the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed a few accounts on my report that i do not recognize XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX  breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, All three credit bureaus show late payments more than 30 days on my account from XXXX - XXXX of 2018. While my payments were later than the first of the month they were not more than 30 days. I have contacted XXXX to correct this but the credit bureaus are still reporting inaccurate information. 

I would like guidance on getting this situation rectified as it is becoming a hinderance. 

Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app. Due to inadequate customer service and unfair practices. Which violate the Consumer Financial Protection act also known as the CFPA. Cash app failed to take timely and effective measures to prevent address fraud on their platform leaving my account unprotected. Their dispute process unfair and non affective, and they did not comply with error resolution requirements under the EFTA ( Electronic Fund Transfer Act ) and regulation E. These actions has caused terrible inconvenience, financial lost. I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX ACCOUNT # XXXX 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 a account without my written instructions.
Product: Debt collection

I reached out to lvnv collections to validate a debt that was on my report. XXXX XXXX, XXXX, XXXX disputes.. its been 6.5 years now on my report. I get told after the disputes thats the company ( lvnv ) validated the debt. Never got proof, never got notified of the debt. It randomly popped up on my credit history. I reached out to Indiana attorney general and they told me to report to you.
Product: Credit reporting

Experiain is : -Deceptive Marketing -Illegal practices in the enrollment process -Unfair Billing PracticesExperian is Illegally charging my credit card for credit monitoring service for credit card add-on. I am disputing transaction. On or around XXXX XX/XX/2015 and XX/XX/2015 I talk to there customer service agent from XXXX several times and I informed no refund. I am requesting cancellation and full refund of {$60.00}. I was charged from XXXX, XXXX and XXXX 2015 with Experian. I received several of there email stating that my Experian Credit Report is ready. It never allowed me to view the account. I never signed to request monthly FICO credit report. There overseas customer services they do n't understand what 's going on. I request several times Experian to remove me from there mailing list and they refused. 

Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

An account by XXXX XXXX XXXX is showing on my credit report. I never authorized or entered into any contract with this company. The company has failed to verify or show proof of any contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

many accounts not mine, many addresses that do not belong to me. names on my report that do not belong to me
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account # XXXX XXXX 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a complaint ( CFPB Complaint # XXXX ) against Experian regarding inaccurate credit reporting on the XXXX Mortgage account ending in XXXX. Experian acknowledged my complaint on XX/XX/year>, but has not yet provided a final resolution or substantive response. 

This delay violates the FCRA, which requires credit reporting agencies to conduct a reasonable investigation and respond to disputes within 30 days. Experian has failed to comply, prolonging the harm caused by their inaccurate reporting. I respectfully request immediate action to fully resolve this matter and provide a final response by XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 2 disputes to all 3 credit bureaus regarding unauthorized inquiries on my credit my credit XX/XX/XXXX and XX/XX/XXXX but has been unsuccessful. The inquiries are all dated XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I did not authorize my credit to be ran on either of these days by any of the companies being shown.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX and XXXX XXXX, I was in contact with Money Lion in regards to a fraudulent account thats being reported on my credit reports. I explained to Money Lion, I am a victim of identity theft and I also provided the proper documents to prove this. I have my police report number along with my FTC report. The FCRA states all consumers has the right to have an and all information or accounts removed off of credit reports due to identity theft. Money lion has done nothing to help with this upsetting process, by money lion reporting false information on my credit report its negatively impacting my overall credit. I will purse legal action if this matter is not fixed. I will be attaching proof of identity along with my police report and FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent numerous letter to TransUnion advising of said information and to no avail have they acknowledged said inaccuracies or deleted said account to abide by the FCRA compliance. 

They just cant verify the accounts by telling me that it has been verified per FCRA 15 U.S.C 1681 ( a ) ( 4 ) when there are clear inaccuracies with supporting documents providing such proof. 

How can two debt collection companies XXXX XXXX  and XXXX XXXX attempt to collect on the same alleged debt of {$3700.00}. 

Please see the attached recent method of validation letter sent, screenshot of the account on my credit report with TransUnion. Also, the mail sent by XXXX XXXX XXXX XXXX XXXX attempting to collect on the same alleged debt. 

This is clear violation of my civil rights and the FCRA guidelines. 

Permanently delete said account asap for inaccurate furnished data to be in compliance of the FCRA.