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

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher peoples information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name, account number, address, SSN, etc have been leaked as part of the Equifax data hack. The hack allegedly occurred in XXXX XXXX, while the information to the public was released in XXXX XXXX. I 'm very concerned that this information can be ( and might have been already ) used for identity theft, credit lines, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( {$51.00}, XXXX ) DEPT OF ED/XXXX ( {$25000.00} ; {$25000.00} ; {$21000.00} ; {$17000.00} ; {$14000.00} ; {$13000.00} ; {$12000.00} ; {$12000.00} ; {$8500.00} ; {$7700.00} ; {$7600.00} ; {$7600.00} ; {$6800.00} ; {$6400.00} ; {$5600.00} ; {$5400.00} ; {$5300.00} ; {$2900.00} ; {$1100.00} ) As of today, I have disputed the above accounts with the Consumer Reporting Agencies XXXX They've failed to validate the accuracy of these accounts, yet refused to remove them.

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681C ( A ) ( 5 ) 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 USC 1681 s-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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress XXXX, XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 


Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress XXXX for these violations
Product: Checking or savings account

XX/XX/23 Western Union is violating the Equal Credit Opportunity Act by being discriminatory against me accessing my own funds from my own account. 

I have given them all the documentation they have requested but they have banned me for life in a discriminatory way. 

They have given me no reason why they will not let me access my own funds nor why I am banned for life. This is clearly discriminatory. 

Please investigate this and not just pass their reason along. You are here to protect me. 

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Per my XXXX  REPORT, SHOWS 13 ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX  AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer. Transunion place a fraud alert on my consumer report without my written consent or request. I believe Transunion placed the fraud alert on my consumer report because I have recently mailed them XXXXwo identity theft reports. Transunion created a deceptive form/postcard and sent to me through the mails which is mail fraud pursuant to 18 USC 1341 . Transunion violated my right to privacy my mailing the attached postcard through the mails pursuant to 15 USC 1681 ( a ) ( 4 ). I tried to remove the fraud alert from my consumer report on XX/XX/2022 but each time, the attached error page appeared and I could not remove the alert.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen and used without my authority. I have put a freeze on my credit.
Product: Checking or savings account

Fraudulent business practices No available balance after depositing a {$1500.00} check. Stated the funds would not be available for 4 days even with my account only have {$3.00} available balance. This is in an effort to accrue overdraft fees. I ran out of gas on the way to work for my new job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I noticed an outdated/incorrect address as well as misspellings of my name. The incorrect address is being reported by XXXX. My name is being reported incorrectly by both Equifax and XXXX. 

I sent a dispute letter to all Bureaus on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/XXXX. Equifax and XXXX deleted the incorrect address however, XXXX hasn't. Neither XXXX nor Equifax deleted the misspelled names. I did receive stall letters in the mail stating that my letters were not from me and they were. I responded back to each stall letter and the Bureaus still have not removed the incorrect personal information that is being reported. All letters were mailed by Certified Mail and were delivered per the tracking numbers. I have a copy of all the Certified Mail receipts and tracking numbers.
Product: Credit card or prepaid card

I recently received a notice from Capital One that my account was closed due to inactivity. I didn't receive any prior warning that this was going to happen. I called to reopen my account since it is my oldest revolving account. I've had the card for at least 10 years. The customer service representatives was nice about it but refused to reopen the account due to company policy. I asked to speak to a manager and received the same response. The only option they could give me was to apply for a new account which would reset the age of my account and impact my credit score. This was my oldest line of credit. I've never had a late payment over the life of the account. In fact, this account is the main thing I used to build my credit. I understand that they have the right to close an account at any time but I find it hard to believe that the company would be this inflexible regarding reopening the account. Due to this inflexibility, they have damaged my credit score and lost a customer. At this point, I just want others to know that they should avoid their services as well.
Product: Credit card

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report from Transunion, I sent a validation letter to the collection agency. I used the address provided on the Transunion credit report. My letter came back undelivered. This is false information being reported on my report. I then sent a letter to Transunion asking them to remove this collection account from my report as it is incomplete and/or false information. They sent me a letter stating that they couldnt read my letter as it was missing info or was ineligible. I find it hard to believe a typed out, clearly stated letter was either of the things they claim. I just want this inaccurate and false collection account removed from my report.
Product: Credit reporting or other personal consumer reports

I was just looking at my update credit report on XX/XX/2024 and found some accounts that were updated on my credit report is still reflecting negative and incorrect information on my recent report and needs to be update. My credit score is incorrect my address is incorrect and name that appears on my credit report is incorrect. 

According to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Equifax continues to report my name my address and phone number incorrect and negative accounts that have updated to positive and my credit score still reporting incorrectly. I have attached my credit report from XX/XX/2024 I recently received Equifax has not updated my report to reflect XX/XX/2024 My credit report is still reporting negative information.
Product: Credit reporting or other personal consumer reports

I don't recognize these addresses on my credit report please remove asap thank you! 

XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Debt collection

On at least four separate occasions between XXXX and early XXXX, I have requested ERC provide proof that they are legally allowed to collect this debt. I have yet to receive any documentation from ERC, yet they have continued to report this collection account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report 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
Product: Credit reporting or other personal consumer reports

Experian Report number XXXX. 

Experian has refusing to properly investigate and remove the inaccurate, incomplete, unverifiable or information option as a result of identity theft. For any and all of the data being reported on accounts listed below. 

XXXX XXXX Also known as XXXX Account number XXXX Account type Credit card XXXX XXXX XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX XXXX  Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX  Account XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX. 

I have the right to have a 100 % accurate credit report across all three XXXX XXXX XXXX. XXXX has already removed these accounts. See CFPB complaint attached.
Product: Checking or savings account

About XX/XX/2022, we received a letter from this creditor stating they closed our account. The reason given is the number of dishonored payments on this account. 
We have no idea what this means and have never been notified of any issues with payments for the 1 year we have had this account. 
We have filed a complaint with the XXXX  XXXX XXXX requesting documentation supporting their decision to close our account. To date we have not received anything.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Debt collection

Constant text messages that tell me to call MRS BPO debt collection. The debt is not described ; I call and no one answers. 

They offer an online contact portal, but all it seems to do is try and funnel me into divulging personal information.
Product: Checking or savings account

Wells Fargo is refusing to pay {$400.00} bonus they advertised because they now claim the qualifying deposits had to be made during each monthly statement period not during each actual month. So for example in my case between XX/XX/XXXX and XX/XX/XXXX, etc ... instead of between XXXX and XX/XX/XXXX, etc ... However, this is not what they advertised. The bonus offer clearly states " three consecutive months '' ... not monthly statement periods. 

From their website : Within 150 days of account opening, receive a monthly total of {$3000.00} or more in qualifying direct deposits to the checking account opened for this bonus offer for three consecutive months. During this time, your new account balance must be {$1.00} or more. 

I opened my account on XX/XX/XXXX and made {$3000.00} in qualifying direct deposits within 150 days for the consecutive months of XXXX, XXXX & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor does not dignify ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and the y MUST be removed immediately to avoid litigation : 1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   3.   XXXX   XXXX   XXXX  4.   XXXX   XXXX    XXXX   XXXX   5.   XXXX  XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX
Product: Mortgage

Me and my spouse acquired this property of my dead uncle about 8 months after he passed.wemoved in around late XXXX cleaned up had utility on in my name and started fixing up the places little after two months we started getting notes on the door stating we're not supposed to be there. I also had please in my name so afterwards we were getting harrassed by people coming to the door posting notices. Notices we responded to pretaing on how to fix his my uncle 's mortgage. He was not that much behind hed passed so Bill 's started to pill.Meanwhile I had to start going to court and after a while of going to court with affidavits declarations and documents pertaing my stay we still got kicked out. They arrested me on probable cause I was in for a month when I get out all my belongings everything I ever owned even my registered dog was gone disposed. I had still leaves in the house and all my property was still in there there was no certified documented thru courtsnotice or nothing informing me of a kickout or throwing my belongings away pursuant to NRS.  Meanwhile the case is still open. They say XXXX XXXX XXXX was the trustee while along I'm having civilian who say she worked for XXXX XXXX  ( XXXX ) come to my house call police and I literally watch them when I got kicked out start cutting wood and board up my place along with them take several of my work tools money and property. My house was also my home business registered with the state of Nevada. Companies involved Innovative real estate strategies XXXX XXXXXXXX XXXX XXXX  dba XXXXXXXX XXXX  not individually but trustee for XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 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, XXXX and XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : - XXXX || Date of inquiry : XX/XX/2023 - XXXX XXXX  XXXX Date of inquiry : XX/XX/2023
Product: Debt collection

Mr XXXX from Premier Holdings LLC contacted me and told me that I owe a debt from over 6 years ago for over 800 dollars!, He advised me that I was not allowed to call him and started yelling in my ear saying that I would be arrested or face criminal charges, he wouldnt let me get a word in to ask questions and then started using profanity and threatened to just keep calling my employer! He called me multiple times supposedly and said I refused to return his calls. This call happened on XX/XX/2020 at XXXX AM, after doing research I also did research and found thousands of complaints on the XXXX  website against this guy for yelling, screaming and harassing people
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and Equifax are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Product: Credit reporting or other personal consumer reports

I would like these illegal addresses thats being reported on my XXXX, Equifax, and XXXX report removed asap. According to USC Sec 16b1681li ( a ) and FCRA these addresses must be removed immediately. Thank you. 

XXXX XXXX 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 XXXXXXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, RE : XXXX XXXX Alleged Date Opened : XX/XX/2013 Balance : XXXX Actions : Contacted XXXX XXXX ( Issuers of card ), they have no record of this account. Filed a dispute with Experian- it was denied because I filed an earlier dispute with XXXX XXXX that  apparently did not resolve the issue. Experian denied me filing another dispute for this erroneous account. 
Issue : Needs to be removed from my credit report. No record of this account. 


XXXX
Product: Money transfer, virtual currency, or money service

I bought something off of XXXX, I sent the seller {$97.00} on XX/XX/2018 in XXXX currency due to them living in XXXX. They then asked me to send them {$50.00} in XXXX, for the item to be " marked as shipped '', the seller gave me a fake tracking number which at the time I did not realize. They then kept on postponing the date of when I would receive the product. They are no longer responding to my messages as well. I called Paypal because this is what I used to make the payments, they said to file a claim, and to write out what happened here.