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

They don't communicate with one another. 

XXXX, Transunion and XXXX report differently in term of the dates and some amounts. They have closed my complaint but I'm not satisfied with the result of their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd Request On XX/XX/22 I informed Equifax that it was 19 fraudulent accounts on my credit report. Some try to get a car or something in my name. There should be a fraud alert on my report. So Im not understanding how my credit is being pulled without my written consent. Equifax and XXXX XXXX failed to do an investigation after they responded and said the was working on it. Per the FCRA this is a violation with can result in a of 1,000 per I deleted item per Section 611 ( a ) ( 5 ) you failed to investigate this. Plus delete these fraudulent inquiries to day. I have a car and credit with XXXX XXXX and didnt go looking for a car!! 


Please see attached ftc report and inquiries
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX XXXX # XXXX ( Victim of financial crimes and victim of a financial conspiracy to deprive ). 
According to the Fair Credit Reporting Act, I am credit worthy and possess sufficient income to lend. My total income before deductions is approximately {$73000.00} annually with a credit score of XXXX. I requested a {$1500.00} loan from my bank at Wells Fargo checking account. I direct deposit {$5600.00} dollars monthly into my Wells Fargo checking account. Wells Fargo employees are depriving me of my right to loan, refinance, and consolidate my debt by utilizing the {$68000.00} that I deposit into my Wells Fargo Checking account annually. I do not have collections, public record items, nor a bankruptcy. The banks ' contact information is XXXX XXXX, XXXX Fax, XXXX ( 24-hour customer service ). The banks ' email addresses are XXXX, XXXX, and XXXX. Wells Fargo 's case number to reference is XXXX. Any identity issues can be cleared up with a presentation of my Military I.D . card, Drivers license, Social Security card, Veterans Administration I.D . card, and passport.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 ( CFPA ). Specifically, cashapp 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 for these violations.
Product: Debt collection

I recieced a phone call from these people this morning at XXXX XXXX local time. The collection company is Portfolio Recovery they called from a XXXX XXXX phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reports a Chapter XXXX Bankruptcy that the XXXX XXXX County Bankruptcy Court has said they did not verify. Company is taking incorrect but publicly available information and reporting it which has hurt my credit and ability to borrow. I disputed on XXXX, XX/XX/31, and XXXX. Complaint claims to investigate replies when the court and offices are closed. This is a violation of my rights under Fair Credit Reporting Act. Company refuses phone calls from me. Company will not escalate to a legal review internally.
Product: Checking or savings account

On Sunday, XX/XX/XXXX I was contacted for an interview from a person who got my information from XXXX. On Monday XX/XX/2021 I had a job interview from a person ( XXXX XXXX ) misrepresenting themselves as Talent Acquisition for XXXX XXXX ( An actual company with a person under this role, I researched ahead of time ). After a two hour long interview process I was hired and sent documents to sign as an employee of this company. It was explained to me that I will have to purchase and keep strict records and receipts of the equipment that I will need in order to work remotely. I was sent a check for {$2900.00} ( XX/XX/2021, enclosed along with email ) from their accounting department and told that once the check cleared from my account ( which Huntington Bank cleared IMMEDIATELY ) I was to use those funds to purchase the equipment. The money is to be sent to a vendor the company has been using for years. I was instructed via email ( enclosed ) how to deposit the check electronically and how to use XXXX to pay the vendor. If Huntington Bank did had not cleared the check so quickly I may have been alerted to the fact that this may have been a fraud. Under the UCC ( Uniform Commercial Code, a bank has a duty to ensure fraudulent checks don't pass through your account. Huntington Bank which was supposed to be my first line of defense against fraud failed to do this. I reported the fraudulent transaction immediately to Huntington Bank, XXXX, the FBI, XXXX XXXX and contacted the XXXX XXXX and XXXX to let them know that their company was being used in fraudulent activity. 
As for XXXX ( which I had never used before ) If customers are asked the simple question DO YOU PERSONALLY KNOW this person, instead of, do you trust this person, I would not have used XXXX. Of course I trusted the transaction, as far as I was concerned this was the XXXX XXXX money from the check that Huntington BANK cleared immediately. I did not realize that this was my husbands money. Both Huntington Bank and XXXX were misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding fraudulent accounts and credit inquiries that have appeared on my credit reports due to identity theft. I have attached my FTC Identity Theft Report ( Report Number : XXXX ) as supporting documentation. 

Details of the Identity Theft After reviewing my credit reports in XX/XX/XXXX, I discovered multiple fraudulent accounts and unauthorized credit inquiries that I did not initiate. The details are as follows : Fraudulent Accounts Opened in My Name : XXXX XXXX XXXX ( Auto Loan ) Opened fraudulently in XX/XX/XXXX XXXX XXXX XXXX ( Credit Card ) Opened fraudulently in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Credit Card ) Opened fraudulently in XX/XX/XXXX XXXX XXXX  ( Credit Card ) Opened fraudulently in XX/XX/XXXX XXXX XXXX ( Credit Card ) Opened fraudulently in XX/XX/XXXX Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX MT XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX XXXX opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX ( Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$13.00}. According to FCRA Section 605B ( a ) the 3 CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through Trans Union I have had the same amount on my credit report for over two years. I am trying to find out why it hasnt been changed to a higher number. XXXX and other are at a lot higher rate,
Product: Credit card or prepaid card

Conn 's calls and text messages you if you are late with one payment. My payments are due on the XXXX and if I do not pay exactly on the XXXX of the month I receive robo calls from different numbers all day until XXXX from Conn 's for a payment that is only due one day late. The calls are repeated even if you make a payment arrangement with them to pay the account. They harass you until the account is paid. I do not get paid until the XXXX of the month and I am annoyed and phone battery dies because of their repeat calls even if I make a payment arrangement. I heard on the news that this is against the law.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of an unidentified loan that was opened XX/XX/year> under the account number # XXXX ). This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint as proof from the Us Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all the accounts, collections and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaints. I request that all written confirmation regarding this CFPB complaint be sent to me via email ( XXXX ).
Product: Checking or savings account

XXXX deactivated for no explained reason by Wells Fargo rep or XXXX customer care rep. Just another way Wells Fargo has kept timely funds or access to the account from this XXXX veteran. 

multiple issue with accessing his funds in a timely manner resulted in the following as stated below - Loss of extended stay Temporary homelessness - Borrow funds and unexpected travel. 
- Credit score drop affected by lack of auto-payment and funding See past complaints have been targeted by Wells Fargo on numerous occasions declining transactions and collaborative actions from multiple accounts displaying refusals of corrective action for lack of funds. 
Note : XXXX XXXX currently have a good condition card in hand that he was forced to replace ( pending ). He is currently borrowing money or food and has XXXX XXXX.He has a card that he was forced to replace due to declining action of the bank. ATM recognized card but would not give funds. See pic of card currently in possession.
Product: Credit reporting or other personal consumer reports

I requested reinvestigation for the accounts listed below but Transunion came back with that they were verified as accurate how can that be when there are several errors reporting. According to XXXX XXXX XXXX XXXX  Transunion is supposed to ensure MAXIMUM ACCURACY. These accounts violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5 and 15 USC 1681eb. Delete these Accounts XXXX XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the late payments on my credit report. These late payments are negatively affecting my credit, and I request their immediate removal.

According to the Fair Credit Reporting Act ( 15 USC 1666b ), it clearly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the information in section 1637b was mailed to the consumer not later than 21 days before the payment due date. Please remove the following late payment accounts listed in my credit report immediately : XXXX - ( Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX - ( Account Number : XXXXXXXX XXXX XXXX XXXX  - ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX - ( Account Number : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX Account XXXX : XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have balances with XXXX XXXX XXXX and it was turned over to XXXX XXXX XXXX XXXX. The agency has listed each account individually on my and my husbands credit report. We have total Balance of {$15000.00} from datesXX/XX/XXXX to XX/XX/XXXX. That is owed to both XXXX hospital and XXXX XXXX. I Have disputed the amount of accounts listed on my credit report as many companies have advised me that this does not seem ethical to have 132 medical accounts listed individually. These accounts range from {$11.00} to {$2400.00}. I can understand putting the collection balances on my credit report but not listing it 132 times each individually. I have contacted XXXX multiple times to ask them to combine the balances into 1 or 2 balances they have responded that they will not remove the multiple listed accounts, they also advised that if I paid the balance to {$0.00} they will still be listed individually. My credit report is 30 pages long due to 132 medical accounts listed individually.
This should not be legal, it is legal to add collections to someone credit report but not list it individually like that. I have had so many people tell me that this is not legal or ethical.
Product: Payday loan, title loan, or personal loan

XX/XX/2019 - Approved for a {$5000.00} loan through ELOAN XX/XX/2019 - Funding Date XX/XX/2019 - I called in inquiring when funds would be deposited. Advised within 3 days XX/XX/2019 - I called advising funds still not deposited. Eloan discovered funds went to an unknown bank. Not mine. Advised they have to locate the funds. 
XX/XX/XXXX, XXXX I called in looking for funds? Still not deposited. Told I have to wait. 
XX/XX/2019 - Spoke with XXXX XXXX - stated the escalation dept. was notified. 
XX/XX/2019 - Spoke with XXXX XXXX, no activity, nothing to report. 
XX/XX/2019 - Spoke with XXXX XXXX, advised account with resolutions. Advised he could not deposit funds into account while they looked for the money that went to wrong account. Advised he could not cancel loan and issue a new one without running credit again. Advised the credit hit could not be removed even though I never received funds. Could not give me a a date of resolution. 
XX/XX/2019 - Receptionist would not transfer me to XXXX XXXX nor XXXX XXXX. 
stated they did not have phones. Advised me that the issue would absolutely be resolved by the next day. Per XXXX XXXX thru reception. 
XX/XX/2019 - XXXX XXXX - XXXX and XXXX in meeting - will call me back XX/XX/2019 XXXX XXXX - XXXX and XXXX in meeting - will call me back XX/XX/2019 XXXX XXXX - XXXX XXXX advised he did not have an answer as to when the funds would be deposited nor did he have an answer as to how to resolve. He said he needed time, but didn't know how much time. 
I asked to speak to XXXX XXXX, XXXX XXXX superior. I was advised he did not have a phone. Subsequent to that, I was advised he was not in the office. 
XX/XX/2019 XXXX XXXX, left a message for XXXX XXXX advising I did not want the loan and to please refund the payment of {$110.00}, as I never received the loan XX/XX/2019 - Sent email to XXXX XXXX, SVP of Vendor and Operations, advising him of the complete scenario of events. Funds still have not been deposited, despite ELoan, pulling my credit. I have not heard back from XXXX XXXX, nor, XXXX XXXX as of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$3900.00} XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX
Product: Debt collection

I request the removal of this account from my credit report as it has been over 7 years. The date on my credit report is inaccurate, and it states XXXX as the year. The charges were a result of the natural disaster Harvey, which affected me and forced me out of my home during the period when the charges were made. ( {$750.00} Despite my attempts to explain the situation to the company in XXXX, they continued to charge me without understanding. I can provide documents as proof that I was affected by XXXX at the time. The account is set to be removed from my credit report next year XXXX, however, it should be XXXX.
Product: Debt collection

I have tried on several occasions to get the XXXX XXXX XXXX XXXX to rebill my insurance company for the {$1900.00} they were initially charging for the XXXX XXXX XXXX I had done. Instead of them doing so, they hired an collection agency to harass me. I called XXXX XXXX XXXX XXXX this morning to get to the bottom of this and the first rep I spoke to told me that if I did not pay they would sue me! I had insurance and called Arkansas Medicaid to verify it. I even called the Medicaid Claims department and grievance department. I was told by the grievance department that the hospital failed to submit the claim with an extension or with a XXXX referral. This couldve all been solved without the threats and headaches I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person i'm a living human being I have the right under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they violated my rights numerous times and I demand these accounts listed below be removed because according to 15 usc 1681. I have the right to privacy and I did not receive the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX Last reported XX/XX/XXXX {$3800.00} Open balance XXXX XXXX Original creditor XXXX  Opened Account status XX/XX/XXXX ( XXXX XXXX ) Open Type Responsibility Individual Placed for collection Remarks Original creditor name XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$700.00} Open balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type -- Responsibility Remarks Original creditor name Individual Dispute resolved; customer disagrees XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2100.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type Responsibility Remarks -- Original creditor name Individual Placed for collection XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2400.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type Responsibility Remarks Original creditor name Individual Placed for collection XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$6000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type Responsibility Remarks Original creditor name -- Individual Account information disputed by consumer, meets FCRA requirements XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$600.00} Reported balance Original balance You owe 100 % of the original balance {$600.00} XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX  ) Account status Closed Type -= Responsibility Individual Remarks Placed for collection Original XXXXXXXX XXXX XXXX XXXX This account was closed on XX/XX/XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$8000.00} Reported balance Highest balance Nice! You've paid off 68 % of this loan {$24000.00} XXXX Highest balance Monthly payment Opened Term {$24000.00} $ O 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

Experian is breaking federal law by reporting things on my credit report.
Product: Checking or savings account

I used my card on their site. Then charges started coming back to back to back for days and I requested charges. Be stopped and refunded. Cant get in touch with anyone cause theres no Number and emails go unanswered. I filed dispute with my bank and they are saying they are authorized. I explained that 2 charges were authorized. But they charged my card over {$7000.00} extra.