23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has a fraud alert place on it and credit bureaus keep letting creditors check my credit with out my approval as in the last 3 month I have not apply for anything and XXXX XXXX XXXX  XXXX XXXX I called them to let them know that its not me and I was a victim of identity theft in XXXX only thing I apply for was XXXX  and XX/XX/XXXX all other inquiries not me so please help me with the credit report agency theyre reporting the wrong things on my credit report that unfair to me that why I placed the fraud alert XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Cash app I did a instant deposit to my debit card of {$80.00} after Cashapp fee it was a total of {$78.00} on XXXX XXXX The funds appeared on in my bank account ( XXXXXXXX XXXX  ) on XXXX XXXX but my account was in process of being closed and when I did the instant deposit from Cashapp to my bank I did not know that. 
On XX/XX/2024 my bank ( XXXXXXXX XXXX  ) did a reversal on the transaction and sent the {$78.00} back to the sender ( which is Cashapp ). 
On XX/XX/2024 I was informed by XXXXXXXX XXXX  that they have sent the funds back to sender ( cashapp ) on XXXX XXXX because the account was being closed so they listed it as a incorrect credit to the account. 
I called cashapp support and informed them of this issue on XX/XX/XXXX once I had not received the money back yet. 
Cashapp opened a claim for me on XX/XX/XXXX XXXX and that same day I got a email stating they are closing the claim due to the funds being distributed properly. Even though I sent them a bank statement, screenshots from my XXXX XXXX XXXX of the original charge and a screenshot of the reversal XXXX  did, and also a picture of the letter XXXX XXXX sent me in the mail to show proof they sent the funds back and also provided cashapp with the tracking number XXXX XXXX gave me. 
Since XX/XX/2024 I have called or chatted with cashapp everyday and have had a new case opened each day that gets closed 4 hours later and that tell me the same thing every time as I tell them the same thing each time they close the case.

I have gave them plenty of chance to figure out whats going on and they have not I have provided all the documentation they have asked for from XXXX XXXX  and they keep rejecting my claims.
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 : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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

I currently purchased from XXXX XXXX a vehicle. Some creditor denied because they say my credit score was XXXX. This information provided by SageStream LLC is totally false and incorrect. My credit score with all the mayor credit companies XXXX, XXXX  is higher than XXXX. 

SageStream which I personally did not know that even existed is providing false and inaccurate information.
Product: Mortgage

I and my brother/partner applied to a mortgage company to refinance our property. We provided information in a timely manner, and responded quickly to follow-up requests for information. The mortgage company said they were having trouble researching title. I repeatedly offered my help if they would describe when the problem was. The mortgage company took weeks and weeks to resolve their issue. Meanwhile our interest rate lock expired and the interest went up and up. I tried repeatedly to offer my assistance. Finally, they agreed to share the issue with me and I was able to make a few phone calls and share a few emails to resolve the issue. There is something very wrong with the process and what happened. Whether outright dishonesty or ineptitude, my brother and I had to pay a huge price due to very avoidable delays ( as I demonstrated in resolving the problem ). We had refinanced the property more than once before, quickly, without any trouble. We were told by other lenders that it would take only a short time to refinance due our excellent credit ratings, solid income and assets, and our long ownership of the property ( 30 years ). We request government help to look into this issue to determine if we were treated in an unfair manner. It is hard for us to reconcile this as a fair business transaction. We feel that we have been served poorly, and possibly, treated criminally. The mortgage and escrow people were all very courteous, but we ca n't understand why the process stretched out so long and we thus were severely financially penalized.
Product: Payday loan, title loan, personal loan, or advance loan

My credit report shows the account was open XX/XX/2018 with Plaza services I have no knowledge of this account and have filed a police report due to the alleged person committing mail fraud under my name as well.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. Convergent accounts Experian, XXXX and 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 168c. ( a ) ( 5 ) Section States : No consumer report containing any of the following items of information, any 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 2 A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I am a victim of XXXX XXXX  accounts below do not belong to me. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent written notification to Portfolio Recovery Associates LLC requesting documentation of any contractual relationship between myself, & Portfolio Recovery Associates LLC. This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe Portfolio Recovery Associates LLC, {$1400.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. The response from Portfolio Recovery Associates LLC was an XXXX computer generated response that did not lawfully respond to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  account XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account XXXX XXXX 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 have disputed this previously about this account being on my credit report! I asked them to remove this account immediately as it does not belong to me!! The company removed the account from my credit but then added it to my XXXX  credit report! This is unacceptable!!!!
Product: Debt collection

This has been an on going issue. My identity had been stolen in fact, my tax returns from the early 2000 era started paying someone elses college loan by offsets for XXXX yrs that were a college called : Indiana XXXX XXXX. I never had any affiliations or attended that school but yet I paid for whomever ( The Department Of Education allowed my social security to be used to pay for their Theft of my Tax Returns through Several Collection agencies that basically revolved the money and stole the funds because I paid for Ten years of long hardships because of the theft going on! I tried reporting to the FBI web page over the years but nothing ever got resolved so I am still recovering the identity fraud in my personal life now still trying to find a resolution to the theft that is hurting my financial and personal life. I have never used governmental funds I work for a living. I am not on social media like XXXX or etc and I have or never have been in the XXXX! I am a woman and I am USA Citizen by Birth! My Name is really XXXX!
Product: Mortgage

I don't know where else to turn at this point in order to save my home. I have been sending documents over and over to the lender and it just doesn't stop. Every time they review my documents by the time they are done they have expired and ask for additional documents. Please help me save my home!
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Santander Consumer USA Authorization to put anything on my report. They reported to XXXX and XXXX. 15 US Code 1681 2 Exclusions ( B ) any authorization or approval of a specific extension of credit direct or indirectly by the issuer or a credit card or similar device. 15 US Code 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

15 U.S Code 1681 Accuracy and Fairness of Credit Reporting : ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect of the consumers right to Privacy.

I have told santander to stop contacting me and they continued to contact me. Santander is also involved in a Car Loan Class Action Lawsuit. This is involved with litigation. I demand the accounts be removed from my report.
Product: Debt collection

On XX/XX/year> I called because I had a payment scheduled but I had did XXXX transfer and the funds werent available yet until that XXXX so it got sent back. On the morning of XX/XX/year> XXXX XXXX contacted me. We have had problems before and I have filed a complaint on this particular rep before. I was assured I would only work with XXXX XXXX. We set an arrangement for XXXX XXXXXX/XX/year>. On XX/XX/year> he called my grandmother XXXX XXXX the co-signer on the loan. When she asked him what this call was about he told her that she needs to ask XXXX what its about and proceeds to continue to ask her for her social security number. I called the number back telling him we already had arrangements for XXXX. He tells me that because all my payments have come back as non sufficient he has removed my payments and will only work with XXXX. My grandmother and I are both very dissatisfied with his attitude and the way he talk to people.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous attempts to correct inaccuracies regarding late open accounts on my credit report. Despite my repeated disputes and submission of all necessary documentation, these inaccuracies remain unresolved. I request that you take immediate action to investigate and correct these inaccuracies on my credit report. If this issue is not resolved promptly, I will have no choice but to seek assistance from you and pursue further legal action if necessary. Please confirm receipt of this letter and provide a response within 15 days. Kindly help me correct the accounts : XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXXXXXX Balance : {$100000.00}.
Product: Debt collection

They are contacting my number looking for another individual. I have told them that I have had this number for 12 years and do not know this individual. The number calling me is XXXX. I asked for a copy of their do not call policy and was told that they could not give me that information. When I asked, they said they were using an autodialer and that the company 's name was Transworld System , Inc.
Product: Credit reporting

I 'm bothered by the fact that Experian sent me an updated letter stating you had verified this inaccurate repossession account. What happened to the new and relevant information I sent to your company, which proved this account is inaccurate? Did you pass this information on to the furnisher during your investigation? I 'm starting get upset and frustrated at the way your company is handling my complaint. I did what you said but you sent me another letter stating that it was verified. I 'm starting to feel really stressed. 

I really do n't want to file complaints but it seems that I do n't have a choice at this point. 

I believe you use a system called XXXX to handle investigations. Please do not rely on this system because it 's not 100 % accurate. I see that there is a lot of data on the net about this XXXX system. We are real people and not just numbers, ok. I have feelings too, and this affects I ca n't get approved for a home. 

From my research on the FTC web site, you ca n't parrot information from the creditor and collection agencies. You must perform a true investigation. The FTC also allows consumers to bring lawsuits against the credit bureaus for violating the FCRA. Please do a new investigation on the following repossession account. 



If you choose not to act, I will have no choice but to file more complaints and seek legal advice from an FCRA attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I submitted a dispute about 2 accounts on my credit file that were not reporting correctly. One account is reporting the last payment made date wrong yet the their rating key shows more payments were made past that date. This account supposedly sold the account to debt buyer which is reporting a different amount than what the original creditor has. The initial response from XXXX   was that they verified the information to be correct. I proceeded to ask what information did they base the supposed verification on because the account information was still wrong. They simply replied explaining their investigation procedures rather than re-investigating the errors. 

After reading more of my consumer rights I then re-disputed the accounts in XX/XX/XXXX they have blantantly ignored me and haven't even responded at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collection from Diversified Consultants about my XXXX account. I paid the collection in full the next day and was told by the company that they would remove the account from my credit report ( all three bureaus ) with in 30 days. After 30 days i called and was told it take 45 business days. After 45 business days i was told they will only update the account to paid on my credit report. I really need this removed from my credit. This is the only negative thing on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and someone used my information to obtain a credit card with this XXXX XXXX. I have contacted XXXX XXXX and spoke to a fraud specialist that told me this account was already closed due to fraud and it should of been deleted from Experian, XXXX and XXXX. I have also contacted these 3 bureaus and submitted my fraud affidavit for removal. The account reports as XXXX XXXX date opened XX/XX/2021 partial account # XXXX.
Product: Checking or savings account

We had closed our business. The liquidation process included a Citibank business bank account and we kept it open for few months after business closed which was XX/XX/XXXX. The account had the last of the business funds for clearing all outstanding debts. The business had a XXXX XXXX merchant  card account which was originally referred to us by Citibank banker and merchant services employee. Since the business closed, me and my partner asked the XXXX XXXX branch, where we opened the account, to cancel our merchant card account and close the bank account XX/XX/XXXX. The XXXX XXXX merchant credit card service, customer service number they gave us kept us on hold or sent to voice mail. After two months of runaround my partner went XX/XX/XXXX and asked to close the account. She is a signer in the account and they refused and asked to keep it open until the transaction posts. That would leave a balance of {$5.00}. They ignored the request and did nothing about it. No follow up, no actions. All these time they have been charging the merchant card fees.Request for help over phone again was not reciprocated. Only reason we assume is that unwilling to help due to the fact that XXXX  is not our first language and XXXX is. My partner changed addresses and in order to update the address for personal account and close business account she went to bank and requested to business account to be closed. She was told there is charge again ( - {$160.00} ) or so. We closed our business and are rebuilding our lives. This unnecessary expense which was not our fault was upsetting, and my partner went to talk to the manager. The emotional request was no helped. My friend a translator knew our plight and came to help translate on our behalf. His insistence immediately caused the manager to call XXXX XXXX and close the merchant card account. The translator friend just stated the unfair mistake on their part and requested remedy and close the account today XX/XX/XXXX. The manager became combative and starts making threats that he will not close the account and send the fees to collection, and he can escort my translator friend out of the store. Request for contact info of superior officer was denied. The disrespect and bad customer service compounded with refusal to help and threaten financial attack using collection as a conversational piece made my partner livid and hurt emotionally. Its not our fault the merchant card account was not closed. I hope a business agency like CFPB would hear our plight and help us resolve the issue.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian for a negative tradeline on my report : XXXX XXXX XXXX which they have listed twice with the same address identification number : XXXX. Experian is reporting this tradeline with " no data '' making this tradeline data INACCURATE & INCOMPLETE. 

Experian violates the following FCRA laws : 611 ( 5 ) ( A ) inaccurate ( listed twice ) & incomplete data ( " no data '' remarks ) 607 ( b ) accuracy 623 ( a ) ( 1 ) ( A ) reporting information with actual knowledge of errors ( " no data '' ) 623 ( a ) ( 1 ) ( B ) reporting information after notice and confirmation of errors 623 ( a ) ( 5 ) no first day of delinquency reported, past 90 days
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX/XXXX/XXXX i sent a letter and fax to Equifax disputing a tax lien that appeared on my credit report. I stated that this report is not reporting accurately and that i wanted a proper investigation or to simply remove the account. Under the Fair Credit Reporting Act, the credit bureau must do a proper investigation by contacting the furnisher and get the correct data and report accurately. This was not done at all. the item in question which i am requesting to be removed is below. 

XXXX County Special Civil Co Case or ID # XXXX Equifax responded on XXXX/XXXX/XXXX and failed to do a reasonable investigation on this tax lien which is showing up as a public record. Equifax did n't even bother to contact the court clerk to verify anything. Instead Equifax sent me a incorrect response and resolution to my dispute which clearly violates my rights under the FCRA. I am requesting that Equifax do the right thing and remove this inaccurate trade line off my credit report. 

Equifax Confirmation # is XXXX i have attached my letter sent to equifax and their response.
Product: Debt or credit management

Pay pal allowance of unauthorized payments. No assistance given when I notified pay pal, XXXX. Occurrence, XX/XX/year>. {$1000.00}. Item : XXXXXXXX XXXX XXXX XXXX. 

Also trouble with XXXX, charging my debit card constantly without my approval.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX