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

I would like to dispute off the following accounts on my credit report. 

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

An initial dispute of the items on my XXXX report was made on XX/XX/XXXX. Included in the results of that dispute was an account for Bank of America showing that I owe XXXX. The only validation made for this account is a statement made by the bank that " additional negative activity took place increasing the balance to {$470.00} at the time of charge off. '' On XX/XX/XXXX, a 2nd letter was sent to them asking for the documentation supporting that statement. Their response ( received on XX/XX/XXXX ) is attached ; however, again, no proof of the debt was included ; they simply restated the same thing. Please delete this account from my report in compliance with Section 611 of the FCRA which states unverifiable or inaccurate information must be deleted from that file of the consumer.
Product: Credit card

I purchased a Necklace From XXXX for {$230.00} to get it and return it because I didnt like how it felt or looked. I was told I would get my refund XXXX business days after they received my necklace to now be XXXX days out without any refund. Ive contacted them and they stated my refund was in my account which it was not. To then contact cashapp support to understand where my refund was. To be met with no help and the same repeated automated messages denying my request for a chargeback.
Product: Credit reporting or other personal consumer reports

United Legal Group took a debt from a business I used to own and posted it to my personal credit report. They are telling me that because I owned the business I am responsible for the debt. They have achknowledged it is a business debt however will not remove it unless I pay a balance that is 3 times the amount of the original debt.
Product: Credit reporting, credit repair services, 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 XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent a {$500.00} transaction to woman for concert tickets that I never received. I opened a claim on XX/XX/year>, with a Zelle XXXX for fraud and scam but later found out that the XXXX assigned to my case closed it on the same day it was opened stating that " transactions were properly done, no faults found ''. It was never mentioned anywhere about reaching out to me or the person to determine the charges. XXXX then told me they sent a request to her bank to retrieve the {$500.00} but it did not sound too confident. I followed up on XX/XX/year> and XX/XX/year> from XXXX and they stated they are unable to help any further.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account belong to entity appears on personal credit in error and without my consent and must be removed.
Product: Money transfer, virtual currency, or money service

I got scammed in XX/XX/XXXX when I wanted to buy a XXXX XXXX for my cousins birthday on XXXX marketplace. I saw one selling for {$200.00} dollars from a user whose account has been active since long ago. I talked to her and she said she would be happy to send the XXXX XXXX by delivery using XXXX. So the next morning she texts me early and says shes about to send the XXXX   and sends fake pictures of her at a delivery place with the console. She then says her XXXX account wasnt working and to use XXXX. I never used XXXX before but my bank had an option for it, so I trusted it. I sent the money and she kept telling me to wait for the tracking number that never came. She gave me her real phone number as well to send the money to and I have found her personal XXXX and XXXX  using that info. I have messaged her but she says she will send police to me if I message her any more. I am completely devastated and really sad that I couldnt gift my cousin this year with the hard money I worked for in my part time job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account was fraudulently opened by a housekeeper I had who stole my identity. I called and filed a formal complaint with the police department immediately after I discovered that this account had been opened. I have attached a copy of the officers contact information. I did not open this account, nor did I authorize anyone to open this account. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

This company refuses to complete a full investigation on accounts that are not reporting accurate information on my credit report. These accounts appear as if they are mine and I am not creditworthy
Product: Mortgage

From XX/XX/XXXX we were in court due to a required balloon payment that was due that we could not pay on our HELOC. In XX/XX/XXXX, the case was dismissed and we continued to try to sell the property. In XX/XX/XXXX, we received a letter from a debt collector indicating they were working for the bank. The amount the debt collector state was due conflicted with the statements that were still being sent from the bank. I called and made an offer to settle the debt and they refused. In XX/XX/XXXX, my wife and I both had money taken from our bank accounts and 10 days later we received a letter indicating it was applied to the loan and that the bank was exercising their right to setoff. They have not indicated that the matter is closed but state that there is still an outstanding balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been embezzling money from might acct i have all bank statements from XXXX right now as we speak on XX/XX/XXXX she embezzled {$300.00} she been robbing me since XX/XX/XXXX no one not been XXXX can see that card on my acct but me. i submitted every to the proper authority. I'm here today to get the glory of telling her. Because nobody was able to help me not the CFPB not fcc not with that being said I'm requesting for the credit bureau to work and provide me with the appropriate credit score. i can possible explain at some other time. thank u. her scam is she rejects the payment and takes it she also been holding out my payment to deliberately deposit in late you wont find that app via cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS INFURIATING! For the past 6 months, I have been disputing for the correction of my Credit File by removing the fraudulent accounts and information from my Credit File. I was a victim of identity theft and the disputed accounts and information were the results of such crime. I have also been submitting multiple dispute letters and CFPB complaints addressed to the Credit Reporting Agencies and yet all of these have been ignored. Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information immediately removed from my Credit File. However, no matter what I do, whatever I try to do, the Credit reporting Agencies have been ignorant and indifference with my Credit File. Once again, I am submitting yet another CFPB complaint to request to the Credit Bureaus to immediately remove the disputed accounts and information completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed ; {$4400.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX. We are halfway through to file a lawsuit with the Credit Bureaus and I believe we are ready anytime to submit this lawsuit the moment the Credit Bureaus do not remove the disputed items.
Product: Bank account or service

I opened a new Checking account at TDBank online. 
Checking XXXX XXXX On Thu XX/XX/2016 I deposited {$5000.00} from a personal check, at the XXXX NY branch. 
I asked when it will be available, the teller who said to be a supervisor said. {$100.00} now the remaining on Friday. I told this is a new account and I am funding it with it and need to make payment, to which he replied not to worry, I can make payments right away on Saturday. 
Till now the money was not credited. My XXXX account was debited right away. TDBank refuse to make good as per their policy of new accounts. 
I asked to have the money returned right away in Cash or bank check or credit it to the account. I met with refusal. TDBank is fraudently holding my money, the same way a thief is punished from stealing, the same should be when a business still and this case their XXXX. 
XXXX, a XXXX of online banking refuses to escalate the call, I asked for their counsel so may bring action in small claims court or an address and refuses to provide. 
I also wanted to open a joint account and was unable to do so online, now they want me to come to a branch with my spouse. Like we work for them, nowhere was indicated in their website of such, just the opposite, it can be done-
Product: Debt collection

I had been suffering from XXXX XXXX  as well as a vehicle crash from XX/XX/XXXXthat led me to become XXXX. This bill was never returned to sender nor provided to me so that I could sign so that my insurance could be billed. I had 2 insurance plans at the time of service but the company provided that they failed to obtain a signature from me. The company stated that it was my responsibility to reach out knowing that I had a bill. The company already had my insurance information which I knew would 100 % cover my bill so it made no sense that I would reach out to said company. After being XXXX  and XXXX XXXX XXXX XXXX XXXX, I then moved out of state. At that time I began receiving forwarded mail but I never received any mail from the XXXX XXXX. I reached out to the company directly on Friday XX/XX/XXXX and I was told that this being 5 years from date of service, I could not provide the insurance information. I was also hung up on by 3 different billing representatives as well as management. XXXX XXXX XXXX  failed to obtain a signature from me in XX/XX/XXXX and has sent me to collections, Wakefield and Associates, whom were also extremely rude, in the amount of {$1100.00}. The first time I had learned of this bill was in XX/XX/XXXX after I had just lost my job due to struggling with XXXX XXXX  The company stated that due to my circumstances, I could have the account deferred, but that never happened. I have proof that I was not residing at either residence in XXXXXXXX XXXX  where the bill was supposedly sent due to police reports being made throwing me out on the streets. I also have proof of insurance and proof that I submit a change of address in XX/XX/XXXX once I found a place to live out of state. 
Additionally, I had reached out to Wakefield and Associates to see how this matter could be resolved and was told that I could request an itemized statement via email in which I was never responded nor received said statement. Both companies have treated me with such disgust and disrespect when I was not the person whom failed to do my job.
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 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 remove these files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  If you feel there is a possibility these items 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 items are 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 or other personal consumer reports

Good morning, my name is XXXX XXXX, I bought my car with Acura, at Paragon Acura in XXXX, which is a lease. I bought it on XX/XX/XXXX and the car was stolen on XXXX XXXX. We agreed to investigate well and the police declared it stolen. The report was made with XXXX XXXX, which XXXX agreed to pay for said car! while they exhausted all the souvenirs in case they found the car! but there has been no luck!! So Acura agreed to put the account on hold, two months had already been paid!! And it turns out that they say that they are owed 2 months, how is it possible if the car only lasted in my hands 1 month and 2 weeks. Then they reported the car with false late payments and that is very bad, they reported me to the credit agencies and they damaged my credit where it is convenient for them to receive the check, receive the payment for the car but with my credit damaged and then they want to sell me another car and raise the interest I understand that this is a deceptive and very low strategy on the part of Acura
Product: Credit reporting or other personal consumer reports

THE ACCOUNT BEEN USE WITHOUT MY PERMISSION AS A OPEN ACCOUNT AND HAVE SEND LETTERS TO FIX THE PROBLEM AS WELL.DID THE I.D AND SELFIE PICTURE OVER THE PHONE PLUS CREDIT SCORE DROP FOR NO REASON AS I NOT USING IT AT ALL AT THE TIME PLEASE FIX YOUR COMPANY PROBLEM BY LAW AND CODES THAT THE COMPANY HAVE TO GO BY.THE I.D IS WITH THE LETTER AS WELL.. 
THANK YOU BUT HERE IS ANOTHER INQUIRY REMOVAL LETTER l XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX Social Security Number : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. Specically as it related to credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX I did not authorize anyone employed by these companies to make an inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this nal goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of ling a complaint with the Consumer Financial Protection Bureau and the Attorney Generals Office, should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX XXXXXXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certied letter may result in a small claims action against your company, seeking {$1000.00} per violation 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Debt collection

I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX two fake SSN numbers XXXX and XXXX are under pending investigation with XXXX XXXX XXXX Stole my identity with XXXX  loans XXXX and you admitted as so did XXXX and XXXX XXXX  under routing number XXXX account XXXX naming Michigan and Florida banks ( I've never lived in Florida ) listed dispute case XXXX consumer ID # XXXX and as XXXX  informed me to go make police report about Forgery is XXXX det. XXXX XXXX XXXX you said it XXXX XXXX XXXX that cash the two XXXX checks. I got over 20 years of SSI and mortgage payment owe to me by XXXX  all withheld illegally. Now I discovered under the above account you intentionally have the wrong DOB listed as XX/XX/year> and you verified me everyday so is yourself committed fraud. Please don't lie and say this is a duplicate and conduct a thorough search and connect me to the over XXXX worth of money I have there at XXXX and report back to me every account I have with XXXX  as today I will Walk into a Branch and produce my State identification.