23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

A couple weeks ago I had some unfamiliar transactions I noticed while doing online banking. I called XXXX support using the phone number that was connected to these transactions. After about a week and a half of working with what I believed was XXXX supports fraud/hack department- I was informed by my credit union that the XXXX support was not the real XXXX support and {$15000.00} was taken from my bank account and another thousand out of my XXXX wallet
Product: Debt collection

On XXXX XXXX received an email from work that Asset acceptance was to garnish 25 % of my wages again, same thing happened in XXXX. I requested a hearing and filed at court a notice saying I made less than XXXX a week They canceled the process in a week or two. Now I get it again, went to court and did the same thing. I dont remember what year I asked for them to identify the debts and they never did. Some time between XXXX I do not know if this is legal. Non of that shows in my credit report. What to do? They will keep doing this every other year? They never mail me anything but they mail it to my job. 
The Final Judgment entered on XX/XX/XXXX in the amount of {$8100.00}. Statutory interest accrues in accordance with Section 55.03, Florida Statutes, from the date of the Judgment until the Judgment is paid in full.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were added to my credit report without my authorization. 
Accounts : XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$300.00} Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX incorrectly reporting 12 XXXX XXXX on my credit report with approximately {$3500.00} in collection without proper verification in Accordance with FTC guidelines. No proof of having an account with 12 XXXX XXXX. 

Secondly, had a {$300.00} prepaid card with XXXX XXXX XXXX prepaid credit card that closed over 5 years ago. No proof of statement with proper reconciliation in good faith to verify information with support billing statements. 

Rather, received a frivolous comment from credit reporting agency that could not be supported neither verify.
Product: Credit card or prepaid card

I have had a XXXX  balance and XXXX  use on my card for the last 3 weeks or so and I've been seeing a {$29.00} minimum due for the XXXX. of XXXX ( this month ) which I had no purchases or a balance. On the XX/XX/2021 I've made a purchase/transaction for {$26.00} and it appeared on the statement XX/XX/2021 the date which would of been a payment due date if I've had made the purchase during those 3 weeks, so I payed that {$26.00} and some change off on XX/XX/2021 and now today ( XXXX ) I see on my account that there is a note saying I need to pay Barclays more money or they will put my account in past due status. How is my account in past due status when I owe them nothing? My account is paid off and a XXXX  balance ( I took a screenshot if you need it ) I owe nothing and they want to report me, and possibly others. I think Barclays is running a scam with the credit bureaus to ruin peoples credit during these delicate times so people credit reports can be ruin, because I see no other way how since this pandemic that I've been contacting you and other agencies to report them of their unfair practices against me and I've never really had a major problem with them until this pandemic so I have no other way of thinking why I am target against their payment schemes. And now, every time I call them their phone line goes dead on me because they have my number stored so their system recognize my number and I'm guessing ( no other reason ) the system is blocking my calls from getting patched over to speak with anybody.
Product: Money transfer, virtual currency, or money service

Chain of events On XX/XX/XXXX someone accessed my account fraudulently and tried to do two wire transfers for {$2500.00} and {$7500.00} ), one successfully ( the {$7500.00} one ), using money from my XXXX XXXX  line of credit. 
My balance in my checking account at the time was approximately {$390.00} I reported the incident to Citibank immediately and to CFPB on XX/XX/XXXX after I heard nothing from Citibank On XX/XX/XXXX Citibank returned the {$7500.00} to my account, confirming it was due to a fraud Since XX/XX/XXXX I had no access to my accounts On XX/XX/XXXX I went to the XXXX XXXX, NJ branch and closed all my accounts. 
To my surprise, my available balance was not the original {$390.00} before the fraud, but a negative balance in my XXXX XXXX of around {$250.00} People at the branch told me I was supposed to receive a check for my original balance of {$390.00}. To date I heard nothing from Citibank It appears the disconnect is that the line of credit was charging me interests, which Citibank never refunded to me. 
* On XX/XX/XXXX, I wrote to Citibank, requesting the balance due. To date, I heard nothing from Citibank
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  Account Number : XXXX Account Name : XXXX  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 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 am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

Equifax is repeatedly asking me to subscribe to a credit protection service. After I did not subscribe it has downgraded my credit score from XXXX to XXXX ( scores provided by a service called XXXX XXXX that I have subscribed to for many years, who told me they rely on Equifax for credit scores ). When I requested my credit report online Equifax says it is unavailable. When I called their telephone number and spoke to a human they said they can not tell me why my credit score has declined. 

I am asking you to ask Equifax to tell me why there has been such a huge decline in my credit score. I am up to date on my bills and have in excess of {$200000.00} in savings in XXXX and XXXX and in excess of {$5000.00} in savings and checking. 

I have a question : Is Equifax trying to extort subscriptions to a service called XXXX Scores by drastically lowering credit scores? 

I Just today I received an email touting VantageScores from a sender called XXXX with subject line " Curious about your credit scores? '' with subhead " Get your XXXX XXXX from Equifax '' for 30 day trial of {$1.00} and {$19.00} a month if I do not cancel.
Product: Checking or savings account

I unknowingly purchased counterfeit merchandise from XXXX  and upon notification of such merchandise being deemed counterfeit I opened a dispute with the bank only to be told they would not be disputing this and giving me the run around I have provided three documents showing to be a second opinion as in the visa rules & guideline no where does visa state I nor Wells Fargo do the ridiculous things Wells Fargo is claiming Im afraid they are giving me the run around so I will run out of time under visa dispute XXXX XXXX counterfeit  merchandise. I can be reached at XXXX
Product: Mortgage

On XX/XX/2024, i sent a payment to PNC bank by paper check thru XXXX, in the amount of {$1200.00}, for mortgage. As of XX/XX/2024, check did not clear, i panicked, and on XX/XX/2024, made a payment online to the bank, confirmation # XXXX, On XX/XX/2024, i received a call from bank, returned call on XXXX XXXX XXXX XXXX, spoke with XXXX, i explained the issue, she looked up the account and stated, XXXX digit was off and the payment was not accepted. she stated i owe the monthly payment plus a late fee of {$33.00}. i stated i will pay the monthly payment due, not late fee. It is a bank error and i should not be charged for a late fee, the made payment was sent on time.i made a payment with her, she stated the payment has been received, confirmation # XXXX, and i have a balance of {$33.00} late fees. again i stated, i will not pay late fee since i tried to make payment twice, that is a bank error
Product: Debt collection

I am a victim of someone claiming to be me and started service with the power company at a completely different address, I was never informed of this other account until I got a final bill after the other address had already had the power shut off and bill never paid. And it was a completely different account number. Then I had to file the police report and fight to prove my innocents. I finally get the case closed and found that I was a victim of FRAUD, Identity theft. Only to now find it on my credit report for up tp 8 years Unacceptable ... After this is taken care of I need to know whom I contact for a lawsuit regarding punitive damages, harassment etc? thank you..
Product: Debt collection

Aldous & Associates, on XX/XX/year>, sent me a letter ( reference # XXXX ) stating that I owe {$63.00}. I have filled out a form to cancel my XXXX XXXX  at XXXX 's and handed it to the employee there, yet I still was being charged. On the last day of my membership, I walked to the counter to ask to cancel my membership. I was handed a paper to fill out. If I had known this would become an issue, I would have taken a picture of the form or I asked for a copy. I can't help but think I was setup for a type of " legal '' fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, INC. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CCPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Complaint against XXXX, XXXX, and Equifax for Reporting Multiple Incorrect Name Variations on My Credit Report in Violation of My Religious Rights Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, and Equifax for XXXX multiple incorrect name variations on my credit report, which not only creates confusion but also conflicts with my religious beliefs. My legal name is XXXX XXXX XXXX XXXX, as evidenced by both a court order name change and an authenticated birth certificate. However, the credit reporting agencies have been reporting multiple name variations, such as XXXX XXXX XXXX XXXX and others, which is not only inaccurate but also inconsistent with my religious rights creating my soul being shared with multiple people and me not having XXXX. 
These multiple name variations on my credit report have created the appearance of multiple individuals, causing challenges in obtaining credit, as well as other financial and personal hardships. This issue has also caused me emotional distress, as my religious beliefs are an essential aspect of my identity. I have attempted to resolve this issue with each credit reporting agency individually but have not received a satisfactory response or resolution. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information in consumer reports. The incorrect reporting of multiple name variations by XXXX, XXXX, and Equifax is a violation of the FCRA. Additionally, it is crucial to respect my religious rights, as protected by the First Amendment to the United States Constitution. 
I am seeking the following remedies : 1. The immediate correction of my name on my credit report to reflect my legal name, XXXX XXXX XXXX XXXX, and the removal of all incorrect name variations. 
2. A written confirmation from each credit reporting agency confirming the correction of my name and the removal of incorrect name variations.

3. An updated copy of my credit report from each credit reporting agency showing the corrected information. 
I have enclosed copies of my court order name change and authenticated birth certificate as proof of my legal name. Please investigate this matter and take the necessary actions to correct the inaccurate information on my credit report while honoring my religious rights. 
I appreciate your prompt attention to this matter. If you require additional information or documentation, please feel free to contact me at [ XXXX ] or [ XXXX ]. 
Sincerely, [ XXXX XXXX XXXX XXXX ( XXXX ) ]
Product: Credit reporting

The reason I am filing a complaint against Equifax is because they have ignored my request to provide me with the documents they have on file to verify the account I disputed. Being that the 30 day period has expired without any verification of the account, It should be promptly deleted from my credit report as per the Fair Credit Reporting Act Section 611 ( 5 ) ( A ). 
Please resolve this matter as soon as possible.
Product: Debt collection

I never opened a XXXX wireless account or did I give my authorization for any account
Product: Credit reporting or other personal consumer reports

American Express is reporting on my credit without any evidence that I made the charges they said I made. I've asked them for proof that charges were mines and they never gave it to me. I asked for my signatures that are on the transactions they said are mines and they refused to send to me. They have not validated their claim pursuant to 15USC 1692e ( 809 ). They are reporting on my credit without validating the loan and that is against 15USC 1692e 2 ( a ), 15USC 8.
Product: Credit reporting or other personal consumer reports

I have been battling identity theft for the past few months and I have been in contact with experian and Equifax several times within the past few months and they are refusing to help me with my current situation, I have submitted all supporting documents in order to support my claim in this current matter, experian is still refusing to remove the fruadulant address off my credit report with is a violation to my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is not mines and is a result of identity theft. my last name does not even match
Product: Payday loan, title loan, or personal loan

I have been trying to contact the company to pay my monthly payment and have not been able to do so. The company has been replying to my emails but has failed to send me a link to pay as I have requested. I no longer have access to the original telephone number or a cell phone, so I can not get into the account and they are aware of that information as stated in my email messages. his has been working perfectly fine but apparently sometime in the last month their app DISCONNECTED from my bank and stopped processing payments and then informed me that it was being reconnected. The original loan amount was {$700.00}. I was a customer that did not miss any payments and now I have missed payments due to this issue, despite ignoring my pleas to pay using any other method. The account is now reporting to my credit as late which is unfair. Ive never been more horrified by a company 's negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy showing on my credit report showing as discharged when it in fact was dismissed/revoked. 

Per XXXX they stated they verified this information from the courthouse. They did not. per PACER my disposition shows as " discharge revoked '' which means i should not have a bankruptcy on my file. 

I have frozen Lexisnexis as well because they are reporting inaccurately too. 

If you call the bankruptcy hotline you will see it says my bankruptcy is revoked. PACER shows Revoked.
Product: Credit reporting or other personal consumer reports

I am disputing a hard inquiries on my credit report initiated by XXXX, XXXX, and XXXX which occurred on XX/XX/XXXX. These inquiries were conducted when I applied for financing for a vehicle. Despite my legitimate need to secure transportation for my family, the application was denied, and the inquiry remains on my credit report.

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ), consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer. As the consumer, I am the lawful owner of my credit information, which means any entity seeking to access or use it must do so with explicit authorization and solely for permissible purposes. 
XXXX, XXXX, and XXXX, as data furnishers under the FCRA, have a legal obligation to ensure that credit inquiries are conducted in compliance with this law. The continued presence of these inquiries on my credit report, despite the denial of credit, raises serious concerns about whether my credit report was accessed properly and for a permissible purpose. Additionally, the handling of my personal information by these companies may violate the Privacy Act of 1974, which mandates that personal data be accessed and used only for legitimate and authorized purposes.

The denial of credit and the resulting inquiry have caused significant harm to my family and me, and I believe my rights under these federal laws have been violated.
Product: Credit card

I returned from XXXX in XX/XX/XXXX, and in an attempt to get an apartment I learned about credit cards that had been opened in my name. I was a XXXX from XX/XX/XXXX until XX/XX/XXXX, and then returned in XX/XX/XXXX through XX/XX/XXXX to XXXX. According the credit reports I have managed to obtain, all accounts were opened and used while I was in XXXX. 
I filed a letter with each credit reporting agency and with the credit card companies. Several companies immediately resolved the issue and closed the accounts - XXXX have been removed from my credit report and I believe the remaining accounts will come off soon, as they said they would be. I received a response from Discover that they had no record of the account and then refused to continue any investigation ; additional letters to Discover, which included copies of credit reports indicating the fraudulent account, have only resulted in their sending me a package with all statements from the fraudulent account. I have attempted to contact Discover over the phone, but they will not address the issue because I can not verify any information on the account. I have also sent Discover and the credit bureaus the missionary service letter indicating the dates of service and a service completion certificate, indicating that I was in XXXX when the accounts were opened and used. The disputes came back from each CRA with no changes. 
Becoming XXXX as an adult and not able to use XXXX services ( or XXXX ), it is very difficult to communicate with the credit card companies myself. I send everything through letters or fax. 
There are a lot of errors on my account, including names, addresses, phone numbers, inquiries, and credit accounts. A credit counselor informed me that it is more effective to only dispute one or two items per letter, and to focus on the greatest errors first. The current letters are only addressing my name, current address, and remaining credit accounts.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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 -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- IDENTITY THEFT XXXX XXXX XXXXXXXX XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX -- IDENTITY THEFT 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: Debt collection

I moved into an apartment and began getting collection calls for the previous tenant. Midland credit management refuses to update their records. They have been calling me for XXXX years.
Product: Debt collection

My mom opened a XXXX account in my name years ago she passed away and their is a derragotary mark on my credit