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

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consist of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

Is accordance with the Fair Credit Reporting act. The list of inquiries on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U. S. C1681section 602A. I have rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items on my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

" Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Cash App for taking {$50.00} from my account without my knowledge or consent. When I contacted Cash App support to inquire about the transaction, they informed me that it was for a purchase that I had already fully paid for. 

I did not authorize this transaction, nor was I informed that any additional charges would be applied to my account. I have attempted to resolve this issue with Cash App support, but have not received a satisfactory response. 

I am requesting that Cash App refund the full amount of {$50.00} to my account immediately. I am also concerned that this may be a widespread issue affecting other Cash App users, and I urge the CFPB to investigate this matter further. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for failing to properly investigate and verify the accounts I have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Equifax continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Equifax 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : Equifax has failed to notify me of the methods used to verify the disputed accounts. 

Equifax has not provided any proof from the furnishers of the disputed information to confirm its accuracy. 

My disputes have been dismissed without proper reinvestigation, as required by law.
Product: Credit reporting or other personal consumer reports

I bought a used car a year ago from a dealership, returned the car within a week due to it being a write off and false information, XXXX  XXXX XXXX was the company who loaned the money, I contacted XXXX  XXXX to let them know I dont have the vehicle and its returned. They assured me it would be off my credit report once the dealership sends a check back to them, its been a year and Ive contacted them a dozen times, between emails and phone calls, I tried to contact them the last few weeks and they have now blocked my email address from sending emails. They are on my credit report and I can not secure a mortgage and its affecting my credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA these creditors has violated my rights. Under 15USC 1681 SECTION 602 states I have the right to privacy. 15USC 1681 SECTION 604A SECTION 2 it also states a consumer reporting agency can not furnish a account without my written instructions. Under 15USC 1666B a creditor can not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose. Here 's a list of the companies Upstart, Upgrade, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i have learned that i have been a victim of identity theft sometimes during XXXX XXXX XXXX and i reported to XXXX XXXX XXXX and filed a report on XX/XX/XXXX and i wrote numerous letters to the FBI in XXXXXXXX XXXX and i reported four banks and credit cards had been opened without me knowing about it and i took my time to shut down those accounts not authorized by me and i have ongoing dispute with Capital One that i never applied for a credit card ending XXXX and there is fraud in the spending statement that they denied anything wrong which is wrong that i am not the person to use the entire credit score in one or two days that this debt is not mine and the least i find out that a scammer used the name XXXXXXXX XXXX XXXX XXXX had all the access and control over those accounts using my identity and once again Capital One debt is not mine.
Product: Debt collection

Santander consumer the account was closed and sold to XXXX. It was then written off as a profit and loss. The account was closed XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Credit Inquiries are on my Credit Report which I have no knowledge of and did not give anyone permission to submit for any reasons. 
XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have sent several letters and made phone calls to Trans Union Credit Agency since 2019 to explain why my FICO SCORE XXXX is so much lower than the same scoring factor used by XXXX and XXXX with no results. In response, they send me an automated letter with my credit report. All three latest reports use the same data and the same score model XXXX yet XXXX reports XXXX, XXXX reports XXXX, and TRANS UNION reports XXXX. Just last week, TU had my score at XXXX. After receiving my last letter, they changed it but changed the comment of too many accounts with balances to proportion of loan balances to loan amounts is too high. This is also incorrect reporting as I have one car loan owing {$9000.00} and the balance in proportion to all of my credit debt which amounts to {$2000.00}. This XXXX point difference is incredibly hurtful to my report. It does not reflect my stellar payment history of 100 % on time payments over the past 6 years, my oldest credit line of 16 years, my credit used of 17 %, 0 inquiries, 0 missed payments, 0 public records, 1 pd collection. My issue is that using the FICO CREDIT SCORE XXXX model should be consistent with all 3 reporting agencies looking at the same accounts and data on my reports. XXXX and XXXX are following that factor. Trans Union is Not. I understand that other scores report differently so that is not questioned. XXXX XXXX model reports all 3 of my scores as EXCELLENT above XXXX. But it is unfair to accept a XXXX point difference from Trans Union when it should be closer to XXXX and XXXX using the same XXXX SCORE XXXX model
Product: Credit card or prepaid card

I am writing today in regards to my account with Citibank account # ending in XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to XXXX I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up. I have been on time ever since.
Product: Mortgage

In response to your CFPB I am sending you this. I am also filing this with CFPB. As you wanted proof and you did not include entire emails just what you chose to send. As stated XXXX did not even give me time to accept or reject the application as it was dated and sent by snail mail on XXXX/XXXX/14 and was not mailed out til next day. I did not receive it til after XXXX on XXXX/XXXX/14 I sent them an email directly after and called them and was told time had passed. This again was a violation from XXXX against the XXXX as you are to be given 14 days to accept or reject and they would not let me accept because it was after the XXXX date at XXXX so there was no time to go to bank, get notary and send. I tried multiple time to send in to agree and they refused. They purposely mailed late and then stated I did accept in time when there was no time given. Make sure you have the facts and I printed out all the emails and requests from XXXX which were obviously not used because it proves the violation right there. 

Here are the other items that you have continually not addressed as well and this is the 5th time requested. 
1 ) I have repeatedly requested a meeting with XXXX XXXX and he has never responded. To date I have left about XXXX messages with no response in past 3 months. I have yet to this date to ever have a phone conversation and have left numerous detailed messages and emails. 
2 ) I have never been allowed to access loan online and I have attached the copies of the about 15 times requested it locked me out as soon as I registered and has never given me access nor has customer service responded or helped. 
3 ) I requested appeal info from XXXX no response in 30 days and I sent in my own with tracking # XXXX ovenight. 
4 ) I have requested as per your email to have him send out another application which I will complete with higher earnings and I do not excessive obligations at all and my finances show that I can make a XXXX payment or higher and I requested other options such as repayment or forbearance and get caught up with extra payments within 6-9 months. 
5 ) So yes I am requesting a new financial packet ASAP and I have requested from XXXX but he has not responded.
Product: Debt collection

hi My name is XXXX XXXX XXXX XXXX. 

I purchased the prepaid service for my daughter that is " gizmo watch '' and I paid XXXX dollars for that and service for that month which was XXXX total. my daughter stope wearing that watch. i thought i didn't have to pay anything, then the version gives my name for debt collector I.C System and i paid XXXX $ that the service they ever provided to me and I never used. Believe that is really wrong and I need the justice.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act, specifically cash app failed to take timely and effective measures to prevent and protect fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have cause significant inconvenience and financial loss and a seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

a few years back my information was taken and used. I found out at the end of XX/XX/XXXXand reported and had many of the issues fixed but the few that refused to report properly to XXXX. XXXX and XXXX fixed them almost instantly. The issues im having is with XXXX/ XXXX XXXX XXXX/ comenity bank . I have already summited FTC reports to XXXX to fix the issues but they do not. I have sent letters to all the banks above with documents of the accounts not being mine and I have received no proof or reply. I am asking them to simply remove the accounts from my report or send signed documents that show I have opened these account. ( which there is non since i never opened them ) XXXX XXXX XXXX ( account number XXXX ) XXXX XXXX XXXX ( account number XXXX or XXXX ) comenity bank/ XXXX ( account number XXXX ) comenity bank/ XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy is over 12 years old and isnt being removed from my file. None of the three bureaus are removing it. It was filed and completed in 2002
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT LAST YEAR AND THERE IS AN XXXX XXXX XXXX   ACCOUNT-XXXX THAT KEEPS GETTING SOLD TO DIFFERENT COLLECTION AGENCIES. THIS A VERY FRUSTRATING BECAUSE THE ACCOUNT IS NOT MINE AND WAS BECAUSE OF FRAUD BUT IT KEEPS BEING PASSED AROUND. I THOUGHT IT WAS AGAINST THE LAW FOR DEBT COLLECTORS TO SELL DEBT ONCE ITS BEEN VERIFIED AS IDENTITY THEFT?
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 : US BKPT CT XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

XXXX and Transunion has wrongfully allowed XXXX XXXX XXXX to report an account and have added to my credit file as a collection/derogatory account. I have disputed this account already and this account is still on my credit file. I have attached copies of the lease which shows the lease and Jetty information about the surety bond dates/agreement was altered and changed without notifying me. The dates are fraudulent dates and incorrect dates which is inaccurate. According to the Fair Credit Reporting Act no creditor, debt collection company or credit bureau can report any information thats not accurate and this information is not accurate. As a consumer, I have the right to file a lawsuit against XXXX, Transunion and XXXX XXXX XXXX for reporting this inaccurate and false information. Its in black and white and Im sure the judge would love to review this case. Also, because XXXX and Transunion allowed this company to report is 100 % liable as well and will pay for punitive damages. I have reached out multiple times. I have attached altered dates which is in black and white. Transunion and XXXX has 10 days to have this account completely removed from my credit file if not I will file for a lawsuit. You all have violated my rights as a consumer.
Product: Debt collection

The Company has purchased a fraudulent account from penfed credit union with whom Im already fighting against about the errant and fraudulent account they have let a scammer put in my name I have already been advised by XXXX that my information is exposed on the Dark Web and my emails and address etc.. this is horrible Im out of faith as bd energy to get these credit companies especially penfed to stop harrassing me and Security Credit Services as I never ever owned, opened any account with them. XXXX sold this account thats been fraudulently open in my name to tha company in XXXX Mississippi lease help me to get this dissolved and removed.
Product: Credit reporting or other personal consumer reports

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

I found out in the news ( X/X/2017 ), 2 months after the alleged security breach took place with Equifax, that 143 million Americans ' information might have been compromised. This included SSN, DOB, credit card info, and other personal identifying information. I checked the Equifax site and was told it was likely my information was exposed. 

I was not notified by the company, but instead had to go look for the information myself. 

The breach is inexcusable and places my identity and credit at risk. 

I have since tried to freeze my credit with Equifax, but found out that anyone with certain information ( ie SSN ) could unfreeze my credit with Equifax. This is beyond the pale of incompetence.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX DOB XXXX/XXXX/XXXX Please be advised that this is my SEVENTH WRITTEN REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! 
The following unauthorized inquires are to be removed from my credit profile XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX My ID via drivers license is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax because they told my lender that I was blocked and they could not give them my credit report. Equifax told me to fix it I would need to send them my social security card and driver 's license and I did. Today I checked in and saw what happened and called them and they said they got the documents but could not verify me anyway and wanted more stuff. They then transferred me to an indefinite hold. I tried calling back XXXX times and have been on hold a total of XXXX  hours today alone and each time the call cuts off. I have also called XXXX, XXXX and XXXX and all 3 say my files with them are fine but XXXX says Equifax Is showing error XXXX XXXX in error and they need to remove it. Equifax is pretty much dodging me at this point
Product: Money transfer, virtual currency, or money service

Hello, my names is XXXX XXXX. I left three complaints, but none of them has given any results. 

With the help of you I got a letter from the Bank of America to call them to prove that I am the one who sent the complaint, so I did many times, but all my calls go directly to the voicemail. 

Can you please tell BOFA to continue my transaction to the XXXX construction company, because I have all the documents and official agreements. 

I wonder what the problem is with this transaction? Why is the bank in the US keeping my XXXXXXXX XXXX usd without any reasons and use it? Is is a fraud?? Shall I hire the lawyer? I shouldnt have a bank account in Bank of America, because I sent my money from XXXX to XXXX, BOFA is just an intermediary bank, which should continue this wire transfer without keeping my money and using it. Thats not correct!
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX Balance : {$580.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In According with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX ( Original XXXX 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 that a consumer reporting agency can not furnish a account without my written instruction and permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. and It is not permissible to fail to validate these reporting accounts as unverified information. please investigate the unverifiable accounts : XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX Balance : {$910.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$12000.00}