23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX, 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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX  || Date of inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

Late Payments ( 15 U.S. Code 1666b ) Charge Off 's ( 15 U.S. Code 1601 ) Repossessions ( 15 U.S. Code 1601 ) Bankruptcy 's ( 15 U.S. Code 1681b ) Collections ( 15 U.S. Code 1692c ) Hard Inquiries ( 15 U.S. Code 1602p ) 15 is code 6802 obligations with respect to disclosure of personal informations I need all inquiries get removed! And 15 usc code 6805 Enforcement ( A ) To remove the inquirys And putting my score to 850 if you find any charge offs they are certificates of indebtedness which means its converted into money and you can not put onto credit report.

A Charged Off turns into a certificate of indebtedness Charge offs become income according to the IRS Publications Charge Offs only apply to my income tax so remove immediately!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, incomplete, or which can not be verified It is also my understanding that Under the FCRA 15 U.S.C. 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as rollows : Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX XXXX XXXX, XXXX XXXX and XXXX are reporting late payments in the past. 
I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I notified this company the date they placed it on my credit report via mailed letter and disputed online because I was unaware this. I also asked that they removed this from my credit report. Because they are reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Account name XXXX XXXX Account number XXXX Corporate card, I had an employee card working at XXXX XXXX XXXX the company since than closed and XXXX XXXX XXXX is saying that i am the primary card holder when i never agreed or signed to anything like that! 

More than 10 employees had a card to use for various reasons such as gas hotel etc...
Product: Credit reporting, credit repair services, or other personal consumer reports

I just started pulled my credit today to see what my score was to apply for a car loan. When i pulled my credit i noticed my credit score was very low ( which i expected because i was told that if you dont have much on your credit it would be low ) however there were a lot of closed charge off accounts i never applied to, inquiries for things ive never applied to, open accounts i never created. There were jobs listed ive never worked at, addresses ive never lived. I dont know how this couldve happened besides my birth certificate being misplaced sooooo many years back. Ive never given my personal information out so im not sure how this happened however i did not apply for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, inquiries from XXXX XXXX ( twice ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are all fraudulent. i did not apply to any of these accounts
Product: Credit card or prepaid card

I opened a card with Victorias Secret for a {$7.00} purchase, they explained that I would receive the credit card and could pay the bill with that card number. When the bill arrived, there was no way to pay it without the card number. I checked time and time again for the card so I could pay the bill but I moved for college and stopped receiving the mail. I didnt realize the issue until my credit score tanked, which is when I immediately called and paid my bill. Im 21 and had an excellent credit score until this billing issue. I have never paid my rent late or missed another bill, I am a good bill payer and expect to buy a house in the next 3 years.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received multiple credit bureau alerts that a new Goldman Sachs GM card account was added to my credit bureaus, which is totally fine, however the problem is that Goldman Sachs reported the incorrect balance to the bureaus. 

At the time of my statement closing on XX/XX/XXXX, my balance was only 2 % of my total credit line, however, Goldman Sachs reported the balance showing 96 % of my credit line which is totally incorrect, because the additional charges on the card took place 4 days after the statement for XXXX had already closed. As a result of this incorrect information being reported, my credit score dropped across all three bureaus.

When I reached out to Goldman Sachs to get this problem corrected, they first told me that the issue would be resolved in 10 business days, however, when I reached out today, to get an updated status, the rep told me that the dispute would taking 90 days to be resolved. As a consumer and credit card customer, I am totally disturbed by this because Goldman Sachs is not displaying any sense of urgency to correct a mistake that they made, and are telling me that I have to be subject to their dispute process that will take 3 billing cycles to correct. 

I am a very responsible credit card user and pay my revolving credit balances down to less than 10 % every month.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, I'm writing to voice my worries about a few problems I've had with the credit bureau. These problems include false account listings, multiple unauthorized inquiries, faulty credit reporting, billing irregularities, and accounts that are not mine.

I need help to get these problems resolved so that I can be financially secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I have tried to fix this issue with my credit report with Transunion, XXXX and XXXX. To no avail even after I sent in my FTC report and Affidavit, I complained to the XXXX XXXX XXXX  Now my only resort is to file a complaint with the Attorney General 's office and the CEO of Transunion, XXXX and XXXX with how their companies continue to break laws and my XXXX rights! I have sent in XXXX letters ( multiple ), FTC reports, Affidavits and more XXXX letters to have the inaccuracies, fraudulent accounts and inquiries removed/blocked from my credit report. I have added fraud alerts to all XXXX bureaus. My name is XXXX XXXX and no other names should be on my report! 

This is my last attempt to have this corrected and I will be suing Transunion, XXXX and XXXX. 

I have requested that you correct the payment history on my CREDIT ACCEPTANCE - Account XXXX ( I never once paid late ) correct this asap! XXXX - account XXXX also needs to be removed from my credit report! That is an unauthorized account! Respect my XXXX FCRA laws, I know and you know that all fraudulent accounts must be blocked within 4 days of receiving this XXXX notice. I am sick of your XXXX and stalling tactics! You actually wrote to me saying that I did not authorize you to correct my report! I, XXXX XXXX, am giving Transunion, XXXX and XXXX XXXX to correct my got XXXX credit report! I have attached all the documents! I have also attached my social security card, government issued ID, my proof of residence ( my health insurance ), and whatever else is needed!
Product: Credit reporting or other personal consumer reports

Incorrect credit reporting information and denial of consumer credit type of transaction and misuse of credit and lied to me and said I must give my social to receive services and thats not true see privacy act 1974 also collections department disregard UCC 3-603. Due diligence not done credit report is not equitable and fair. Not able to obtain credit for automobile despite being XXXX XXXX. How does that credit work again? Are we not entitled obtain loans because was denied credit due to billing errors and payments refused by credit union and dont bother referring me back to NCUA
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix this with XXXX but their verification system is faulty
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 l, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to timely and effective measures to prevent and address fraud on their platform, leaving accounts 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 regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

RE : Barclays Bank XXXX ending in XXXX ( Account Owner ) Card Ending in XXXX ( Authorized User ) Beginning on or about XX/XX/2022, and ending on or about XXXX XXXX, fraudulent charges were placed on my authorized users card ending in XXXX that totaled {$9700.00}. 

Barclays Bank was notified as soon as these charges were discovered on XX/XX/2022. The bank subsequently refused to reverse these charges because they claimed to be legitimate. How this was determined is unknown because I was never contacted by Barclays or asked any questions. When I responded to this rejection, the bank said that they required a police report. I then filed a police report with the XXXX, New York police and sent a copy to Barclays along with a letter specifying the individual fraudulent charges and their total. After several more weeks without contact or questions from the bank, I received another form letter from Barclays denying to honor the claim and ignoring half of the total value listed in my letter, which indicates to me that no one read my letter or really investigated anything. 

Please do whatever is in your power to encourage Barclays to follow regulations regarding fraudulent charges and credit my account {$9700.00}. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an address on my consumer report which is in fact, a result of identity theft and I would like it removed immediately. I have disputed this with XXXX, XXXX and Equifax. They did not remove it from my consumer report. I have never stayed at that address and I would like to request that it be removed from my consumer report.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The listed items below are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within XXXX days. I am awaiting your response. The following items must be deleted : XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform despite using the numbers times and reporting discrepancies my financial institution and zelle failed to investigate my claim is adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allow, repeat, offenders to exploit the system, leaving users vulnerable to scams this lack of accountability and transparency that unacceptable and Raises serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/2021, I received {$50.00} for a lamp that a woman purchased from me. Her son picked it up the same day without issues. After a week she started complaining that the lamp took out her entire apartments fuses and that it is faulty. I claimed that the lamp had been working fine and literally plugged out and gave it to her son. I told her, I can take back the lamp and replace it with another that I also had ( I was selling both, she just needed one ). She started claiming that me and my wife are scary people and she wouldnt want to deal with us and is scared to meet us. I told her, she doesnt have to meet us, she can drop the lamp off with my buildings front desk and we will reverse the transaction. She kept insisting meeting at the police station which I didnt want to have to deal with ( she could throw a tantrum and wed have no way to defend ourselves and it didnt seem worth for {$50.00} ). So we said if she cant return it the way she picked it up, we cant reverse the money to her. 

She has paid me through Venmo on XX/XX/2021. On XX/XX/XXXX I noticed that XXXX dollar had been deducted from my account by Venmo. I tried to reach them in any which way possible to see how they could conduct a transaction on my behalf without my consent. After reviewing the case they told me that Venmo is meant for friends and family who trust each other to transfer money between. This should also apply to the woman who made this claim and based on her account of events, Venmo shouldnt also have the right to reverse this transaction without my consent. 

I have raised 2 dispute cases with Venmo and each time they told me I was in the wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, XXXX OH XXXX. Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX , XXXX , VA XXXX XXXX XXXX XXXX, XXXX , VA XXXX XXXX XXXX CT , XXXX XXXX , VA XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What XXXX XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Student loan

As of XX/XX/2023, amounts owed have been satisfied. I am in receipt of Copy B from the IRS and this has yet to reflect on my credit report nor have I received any documentation from NELNET. 
Called several times on XX/XX/XXXX, was on hold for over an hour. No live person answered. 

I have attached the Copy B receipt and screenshot of my profile on the NELNET website. In viewing my profile, it reflects a different amount from previous attempts to collect.
Product: Debt collection

XXXX HAS BEEN CALLING ME FOR 2 MONTHS ABOUT AN ACCOUNT I DONT HAVE NEVER HAD AND THEN STATED EACH TIME IT WAS AN ERROR ON THEIR BEHALF AND DISREGARD THE CALL AND OR LETTERS. NOW IM RECIEVING LETTERS FOR A DEBT IN THE SAME AMOUNT FROM XXXX XXXX XXXX XXXX ON BEHALF OF XXXX STATING I OWE MONEY ON AN ACCT THAT I NEVER OPENED. WHEN I FIRST RECEIVED A LATE NOTICE BILL FROM THEM I CALLED AND TOLD THEM IN XXXX I DONT HAVE AN ACCT WITH THEM. THIS MAKE THE XXXX TIME XXXX STATED I OPENED AN ACCOUNT WITH THEM AND I DIDNT!!! IVE BEEN DEALING WITH IMPERSONATION SCAMS IDENTITY THEFT PII DATA BREACHES SINCE XXXX THIS MAKE THE 3RD OPENED ACCOUNT PLEASE LEAVE ME ALONE I DONT HAVE AN ACCT WITH THEM.
Product: Debt collection

In 2013 XXXX got hack and my information was compromise and from then on I have been the victim of collection agencies. The likes of Midland Funding LLC and XXXX XXXX I, XXXX try to collect funds of accounts I never had with XXXX credit card. 
Midland Funding LLC is asking {$5800.00} XXXX XXXX XXXX XXXX is asking {$2300.00} I have responded legally in the courts but a no vail. And that including a police report with Identity Theft report. I am in the process to file a injunction against this agencies to stop this harrasment. And yes I am and doing this on my own because I can not afford a lawyer I live on my Social Security only.
Product: Payday loan, title loan, or personal loan

I signed a loan agreement ( loan # XXXX ) with Big Picture loans on XX/XX/XXXX for {$1500.00}. It stated the total amount that I needed to repay was {$7000.00}. I have been making {$590.00} monthly payments for 10 months totaling {$5900.00}. The week of XX/XX/XXXX I took out a {$1600.00} loan from my 401 ( k ) to payoff my account since they told me I was accruing daily interest charges. With the {$1600.00} payment I have paid them a total of {$7500.00}. On XX/XX/XXXX I was told that I owed an additional {$1100.00} ( a XX/XX/XXXX & XX/XX/XXXX payment of {$590.00} ). I contacted the Minnesota Department of Commerce who said Big Picture loans did not have a license in the state and that I should have my {$1600.00} returned. When I contacted XXXX XXXX XXXX on XX/XX/XXXX andXX/XX/XXXXXX/XX/XXXXI spoke with a supervisor. He gave me the run around and I have not heard back. I am only looking for a refund of the {$1600.00} to repay my 403 ( b ) account. Your help is appreciated.
Product: Credit card or prepaid card

Identify fraud. Three BoA credit cards opened in my name. Fourth one did not get issued. No balances, cards closed. Credit reports frozen across all three bureaus.
Product: Money transfer, virtual currency, or money service

This company is stealing my money! I deposited my money and tried to withdraw it they asked for documents which I provided and now I received an email saying they will be closing my account and I cant get my money until XX/XX/2024! I think Ive been scammed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, HAVE BEEN TRYING TO GET MY ''FILE '' FROM EXPERIAN SINCE AROUND XX/XX/2022. IT IS NOW XX/XX/2022 AND EXPERIAN HAS YET TO SEND ME ''FILE ''. I HAVE PREVIOUSLY REQUESTED MY ''FILE '' ON XX/XX/2022 AS WELL THROUGH THE CFPB WEBSITE. THE COMPLAINT NUMBER IS XXXX FOR DOCUMENTARY EVIDENCE. AS OF NOW EXPERIAN IS WILLFULLY NOT ACTING IN COMPLIANCE.EXPERIAN IS NOW IN VIOLATION OF 15 USC 1681g ( a ) ( 1 ) AND 15 USC 1681n ( a ) ( 1 ). I requested my ''FILE '' which defined under 15 USC 1681a ( g ) in the FAIR CREDIT REPORTING ACT but EXPERIAN only sends my ''CONSUMER REPORT '' which is defined under 15 USC 1681a ( d ) ( 1 ) and that is not the only thing I requested. THE TERM ''FILE '' AND ''CONSUMER REPORT '' are not defined as the same definition under ''FAIR CREDIT REPORTING ACT ''. I say this let it known I am aware I have not received what I have been asking for and that I know the difference between the two definitions ( ''FILE '' AND ''CONSUMER REPORT '' ).