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

We received one call and then another call about 3 weeks later from a XXXX XXXX, Consumer Protections Bureau, telephone number XXXX, stating that I had won a total of {$580000.00} but could not tell me what contest of where the money was coming from. That the Bureau only delivered the money. I explained to him I knew nothing about this and did not think it was for real. He stated that I could give it to a charity and I told him that was fine, to send it The XXXX XXXX in XXXX XXXX, TN as this was a refuge for needy people and I gave him the address. He took all the information I gave him and said the check would be mailed to The XXXX. This was over a month ago but The XXXX has never received any check. Is this a scam and is this XXXX XXXX an employee of the Consumer Protections Bureau? If not, he is using your name. Thanks for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan is a US DEPARTMENT OF EDUCATION LOAN FOR THE AMOUNT OF XXXX $ However it was opened XXXX XXXX which was a education loan. However I have tried disputing this loan and asking for a deletion of this account because I was not EVER in a college during this year. Somehow someone has gained access to my information and applied for a education loan in my name. I have not had any feedback about this account. This account is still opened and it is showing on my credit report. It has damage my credit report heavily. 

Im asking you guys do a thorough check and have this creditor remove this item please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally lodge a complaint regarding a recent interaction I had with XXXX of your representatives, XXXX XXXX XXXX. This communication pertains to issues concerning the misrepresentation of TransUnion and a refusal to comply with my requests under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I engaged in a conversation with XXXX XXXX, during which he claimed to represent TransUnion and implied that he was an official representative of the credit bureau. However, subsequent research has revealed that this representation was inaccurate, and I have reason to believe that XXXX XXXX 's actions were deceptive. 

Furthermore, I had contacted XXXX XXXX to request information in accordance with the FCRA, specifically under the provisions of XXXX XXXX Code XXXX regarding procedures in the case of disputed accuracy. During our conversation on XX/XX/2023, XXXX XXXX refused to provide the requested information, specifically : XXXX. **The business name and address of any furnisher of information contacted : ** I expected this information in accordance with the FCRA provisions to assist in resolving disputes related to the accuracy of my credit report. 

Additionally, I had reported to XXXX XXXX that I am a victim of identity theft. According to 15 U.S. Code 1681i, a consumer reporting agency is obligated to remove information resulting from alleged identity theft upon receiving appropriate proof of identity, an identity theft report, identification of the information in dispute, and a statement that the information is not related to any transaction by the consumer. Despite my identification as a victim of identity theft and the provision of necessary documentation, this information has not been addressed or removed from my consumer report. 

I am deeply concerned about the misrepresentation of TransUnion, the refusal to provide essential information in compliance with federal law, and the failure to address the identity theft-related issues promptly. 

I kindly request that TransUnion thoroughly investigate this matter, take appropriate action to address these concerns, and provide a written response outlining the steps taken to rectify the situation. Please ensure that my credit report is updated in accordance with the FCRA and that the misleading actions of your representative are addressed. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 


FRAUD ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

According to 15 USC 1666B ( a ) late payment can not be treated as open end consumer credit. 

XXXX XXXX XXXX reporting late payment on my account it should be removed immediately, violating rights.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent activity on my report. These accounts are hurting my ability to obtain credit. PLEASE REMOVE THE INQUIRIES and all fraud items ON MY CREDIT FILE. THESE ARE THE FRAUD THE ITEMS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX To Whom It May Concern : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

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

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found what look like incorrect accounts that arent mine.
Product: Prepaid card

Prepaid gift card was purchased in XXXX of XXXX for {$75.00}. 

I tried to use said gift card at an online retailer of choice on XX/XX/XXXX for a purchase under the balance of the gift card. XXXX was declined and I immediately called AMEX support for assistance. They said there was nothing they could do and that I wasnt able to use the card at that retailer and that it was an issue in the retailers end. Followed up with the retailer and they provided me information saying that the bank declined the transaction and to contact AMEX again to solve issue. 

I called AMEX support again on XX/XX/XXXX and they were again saying that it was an issue with the retailer and wouldnt help me solve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute some incorrect information on my Equifax credit report via certified mail with receipt ( signature ), but Equifax did not comply. Instead, Equifax sent me a letter stating that they were unable to locate my credit file even though I provided my name, SSN, address, and account numbers. So, I called Equifax by phone and they successfully verified me through a series of questions and they were also able to locate my credit file. I asked the representative why did they return a letter saying my credit file could not be found.The representative told me that someone in the mail room could not locate my credit file. I was so shocked! I didn't know that the Equifax compliant department operates in the mail room, must be a joke! All the letters will be attached. 

Thank you
Product: Checking or savings account

I opened a " free '' checking account in XXXX It came with no fees for ordering checks and no fees for using another bank 's ATM. For a few years, things were great. Then Citizens quietly changed the terms and I now have to pay for checks and get charged a fee ( by Citizens ) for using another bank 's ATM. Meanwhile, Citizens is now sending me new offers for a checking account with no fees. But there's a catch, I have to open a NEW account and open a MasterCard credit card. All to get the same terms I used to have ( no fees ). I have called customer service to complain more than once, but each time they tell me the only way to get back the original terms of my account ( no fees for checks, no ATM fees, etc. ) is to open a NEW account. Classic bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX : {$30000.00XXXX XXXX XXXX XXXX XXXX XXXX : {$40000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX Balance : {$40000.00} XXXX XXXX Balance : {$30000.00}
Product: Debt collection

I have been contacted by Diversified Consultants in regards to XXXX. XXXX XXXX never reduced my bill the amount that I was told for 3 months straight that it would be by switching to their new owner XXXX I switched to a new company for cable service due to this experience. I told them that I do not owe the final amount based off what my payment should have been. I have been receiving up to 5 phone calls a day from Diversified consultants. I explained the situation and that I would be paying the final amount due to the error in billing. The agent became loud and derogatory. I asked that I not be contacted again in regards to this matter. I receive these phone calls every week Monday through Friday while I am at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 US Code 1681 the former was reporting inquiries without my permission and the latter was accuracy and fairness of credit reporting. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

On XXXXXX/XX/2020 I went to XXXX XXXX to have run a diagnostic test on a friend 's car .. the result was it needed a new engine her vehicle so without my consent the manager XXXX started applying for credit in my name for several companies without my consent I initially gave him authorization to run in their inhouse company I believe he said was XXXX XXXX .... Later on that day I'm followed up with I was approved for acima, XXXX XXXX  and got denied for XXXX XXXX XXXX XXXX is what he stated .... He claimed the engine was going to cost {$2900.00} for a crate motor from XXXX ... Acima had approved me for {$1100.00} and XXXX XXXX approved me for {$1900.00} so it would be fine be ause it would cover the cost of the part which had to be payed in advance otherwise no work could be started .... So I told him ok order it he said I will it will be here in 3 business days vehicle will be ready in 10 days XXXX XXXXXX/XX/XXXX ..... This was not the case I made a payment for this account from acima that very day it was part of their program and that's the only way I get approved however he never ordered this motor and in the end he denied me using the XXXX XXXX XXXX XXXX for payment on vehicle and wrote the lease agreement I had was for labor on the vehicle when it clearly stated in contract labor can not be financed only parts or services can so it was entirely a scam and he never fixed the problem... And please then consider he never started working on this vehicle until the end of XXXX and it wasn't full completed until the beginning of XXXX... So w everything about what on my credit is fake or false from the original amount charged off to the amount it compiled to somehow it was a 90 day same as cash type of contract however from the day I originally completed application the actual paperwork wasn't submitted til almost 5 weeks later amd even that didn't match the original terms .... He got me approved for {$1100.00} yet somehow was trying to put it as {$1200.00} towards labor .... Please follow up acima never did anything to assist never did XXXX their management corporate no one and as of over a year now XXXX XXXX is no longer in business they operate under a new name I filed complaint with XXXX  etc nothing has been done other than being denied for credit for negative impacts due to false accounts created by acima and XXXXXXXX for terms and conditions I never gave consent to even work orders throughout this nightmare had been altered with my initials for work approved when I wasn't even at the business to give consent for authorization... Thanks hopefully that XXXX XXXX XXXX  .... Acima Credit and XXXXXXXX XXXX thanks
Product: Vehicle loan or lease

Security fraud, Ignoring the power of attorney, Identity theft is taking the promissory note that the P.O.A. gave a signature to and credited that promissory note as it belongs to them. We need to see the actual copy. Please mail it to the power of attorney because it was made pay to the order of TOWNEBANK transferring the interest on the note to TOWNEBANK. Power of Attorney XXXX, XXXX XXXX/ Agent authorizing one party to the interest of one instrument specific and clear to the point so, Identity theft the moment a signature was put on that promissory note it was XXXX XXXX XXXX promissory note and I XXXX, XXXX XXXX / Agent perfect performance of the transfer of the interest in it to the secure party creditor who must credit the face value. Identity theft is stealing the signature and putting that instrument in street name not giving XXXX XXXX XXXX the credit which is the face value of the instrument. They act like they gave consideration, that's what this is all about authorizing one party to the interest of one specific and clear to the point, the moment a signature was put on that promissory note, that was XXXX XXXX XXXX promissory note. I XXXX, XXXX XXXX / Agent did perfect the transfer of the interest in it to the secure party creditor who must credit the face value of the note. XXXX XXXX in XXXX, NC.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a data breach. As such, I am requesting the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ). 
The following account is fraudulent and should be removed from my credit file : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Additionally, I request the deletion of the following unauthorized credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My name and social security number were potentially impacted by the XXXX data breach of XXXX 2017.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block inc ) due to inadequate customer services and unfair practices, which violate the consumer pritection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on there platform leaving my account vulnerable and unprotected. Furthermore there dispute resolution process was unfair and deceptive, as they did not comply with error resolution reqyirements under the electric fund transfer Act. ( EFTA ). And regulations E. These actions have caused sugnificant inconvinience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I send a dispute to Experian about the following account XXXX XXXX XXXX XXXX ( Opened : XXXX. XXXX, XXXX, Credit limit {$750.00} ) that was open by someone that stole my identity. With the dispute I also send Experian an Identity Theft Affidavit. I have done my research and I know that Federal law as is stated on the FCRA, sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), obligate the credit bureaus to delete the fraudulent information in my credit file within 4 days upon receipt of the correspondence. It's been over 30 days and the fraudulent account stills there, and that is preventing me from getting necessary financing
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express # XXXX is reporting lates in XX/XX/XXXX and XX/XX/XXXX. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it after the two months, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
Product: Money transfer, virtual currency, or money service

I open a PayPal account about a year ago in late XXXX like XXXX. I never used it then XX/XX/XXXX I had a friend send me some money. When I logged in to my PayPal account that evening it showed that my money was there but it said that my friend had sent the money like he was paying for a service or a product so my money would be held from him for 21 days I called PayPal my friend Got sent an email via PayPal to click on something in his email then my funds were no longer pending in my PayPal account they were in there and it said it was available for me to use. So I connected my debit card to my account. Tried to transfer my money to it so I could withdraw some of it and it wouldnt let me. I was on the phone for three hours that night before PayPal closed and they just didnt answer anymore and they had me on hold and they kept telling me I had they had to verify who I was so they verified me through my cell phone they verified me through email. And still that evening to no avail I could not get any money. The next day I was on the phone with them seven different times that wouldve been XX/XX/XXXX to the told all that it took up my whole day about seven hours Ill because every time I went to transfer my money to my debit card or to my bank account so I could get my money out of PayPal it wouldnt work it would say they needed to verify who I was so then I have to sit on the phone at one point I sent on the phone for an hour waiting when it came down to it they said that I could transfer the money to my card thats what I had to do so they had to transfer a portion of it to my card and then they told me it would take 72 hours before would be released to my card because they reserve the right to hold my money for whatever reason they see fit then again they said they had to verify who I was so I answered a bunch of questions that I guess only I would know and I did that and it still didnt clear it up they are still holding my money Ive had no money all weekend I cant even transfer money to a friends PayPal like they said I would be able to do on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false accounts with XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX LA reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX