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

These were used to make inquiries to my account that I have not personally applied for remove these Immediately XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX  / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reimbursement Division XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

RE : AFFIRM. ACCT XXXX XXXX XXXXXXXX I have been trying to get this account offf my credit since XXXX because it is a result of identity theft. They will not take this off my credit reports and I am willing to give them XXXX more chance before I take legal action against their company. If this isnt taken off within XXXX days I will file suit against this company and suit will take place at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Suit will be filed XXXX days from this notification
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX/VETERANS XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type - XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 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 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. 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: Payday loan, title loan, personal loan, or advance loan

My name is XXXX XXXX. Last year I used XXXX app for while until I filled the bankruptcy XXXX on XX/XX/XXXX. XXXX is in list of bankruptcy. I got filled XX/XX/XXXX as XXXX. 

Until XX/XX/XXXX, I saw my statement bank that XXXX charged me 1 dollar membership which I closed the account. I tried to send email and call but those message keeps going to robot message and Not chance to get live person. It is hard for me because I am deaf. They keep send me email about number case, filled and other. I did send it to them but keep back to me the same message. I stopped by bank to fill dispute and bank tried to call them but they refused to talk with my bank because prefer to talk with me. But never chance, My lawyer suggest me to fill the complain with you.
Product: Credit reporting or other personal consumer reports

Self Financial Team Self Financial , Inc. 

Re : Response to Consumer Financial Protection Bureau Complaint Case # XXXX I hope this RESPONSE finds you well. I am writing in response to your recent communication regarding my Consumer Financial Protection Bureau ( CFPB ) complaint, Case # XXXX, in which I expressed concerns regarding my credit report and the reporting of late payments by Self Financial , Inc .

I appreciate your prompt response and the detailed explanation you have provided regarding the company 's position on this matter. I would like to address some of the points you have raised and reiterate my concerns.

While I understand that Self Financial , Inc. operates as a data furnisher rather than a consumer reporting agency, and you have mentioned that the information is provided to the credit reporting agencies in compliance with the Privacy disclosure and terms of service, I must emphasize my interpretation of the applicable legal provisions.

According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ), the term " consumer report '' does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report. I believe this provision explicitly excludes the reporting of such transactions from being included in consumer reports. I maintain that the reporting of these transactions to my consumer report is in violation of the Fair Credit Reporting Act and XXXX compliance. 

The inaccurate reporting of these transactions and late payments is adversely affecting my creditworthiness, making it challenging for me to address my financial needs and overcome obstacles. I want to resolve this matter amicably, but I must insist on the removal of these late payments from my credit report in accordance with the applicable laws. 



Thank you for your attention to this matter, and I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

Amsher Collection Services sent me a bill 5 days after receiving my final bill from XXXX. They placed this collection account in all 3 credit reports with a balance of XXXX due immediately on XX/XX/XXXX. Which my final bill from XXXX is XXXX and was not due until XX/XX/XXXX. They will not remove this inaccurate information from my credit file. And I do not understand how they can have a collection due prior to my XXXX bill being due. And this company is reporting false amounts due.
Product: Checking or savings account

on XX/XX/2019 an ACH deposit of {$57.00} was made using my debit card number and by a mistake, it was deposited in the wrong banking institution Wells Fargo. The bank reversed it out of my account but was never sent to the XXXX  ( a third party company that makes deposits ) to credit back to my XXXX account. I contacted the XXXX that I provide delivery service for and get paid for it, I was waiting to receive my funds back to my XXXX account and they are requiring that I provide a letter from the financial institution which I did, however, the Wells Fargo indicated the last 4 digits of my checking account number which was not used and not my 4 last digits of my debit card number which it was deposited to. I call and requested a letter 2 times from the Wells Fargo with the debit card number and there refusing to provide a letter to the me with the correct reversal information, so I can be reimbursed back from the company I provide service for. Wells Fargo explain to me that my checking account has my debit card attached to it but XXXX explain to me that XXXX their processing company is requesting something with the last 4 digits of my debit card to refund the money back to my account with XXXX. It's been over a month and I still have recieved my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX # XXXX reporting on my consumer report on Transunion. I XXXX XXXX have never filed for bankruptcy in my life. I called the US bankruptcy court where TransUnion claimed the received this information. The US Bankruptcy Court sent me a written letter stating 'They do not provide or verify any information to any credit bureaus or agencies '!!! including TRANSUNION. 

Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I became aware of this collection account once I applied for a new mortgage due to the pending sale of my current home and reached out to this company to have it removed. I even offered to pay them even though I had no knowledge of the debt without success.
Product: Credit reporting or other personal consumer reports

Transunion is reporting information of accounts that have been identified as opened fraudulently after XXXX XXXX XXXX. According to the FCRA 605B any accounts that have been opened by way of identity theft shall be blocked from reporting and removed. These accounts are Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$850.00} written off. {$850.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$850.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$850.00} Terms name XXXX XXXX XXXXXXXX Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$42.00} written off. {$42.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$42.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1800.00} Highest balance {$82.00} Terms - Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$640.00} written off. {$640.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$640.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$400.00} Highest balance {$640.00} Account name XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment {$50.00} as of XX/XX/XXXX Monthly payment - Credit limit {$450.00} Highest balance {$1400.00} Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Account name XXXXXXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$870.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$870.00} Balance updated XX/XX/XXXX Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$1400.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$480.00} These accounts should be removed off my account immediately as they are a result a fraud.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX  XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint.

You never had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place. 

In addition to the many violations, XXXX is NOT the original servicer of XXXX Account # XXXX, Account # XXXX AND Account # XXXX. That makes them a third party debt collector under the FDCPA. It shows the accounts are Paid in Full ( PIF ) which means these student loans were paid in full by an insurance claim filed by the lender or guarantor agency. It was paid via insurance. 

XXXX has also failed to properly secure and safeguard personally identifiable information for more than 2.5 million borrowers, including myself during a recent data breach of its servers.The particular PII allegedly included my addresses, email addresses, phone numbers, and Social Security numbers. The complaint argues that the release of that information resulted from XXXX ( 1 ) failure to secure the data, ( 2 ) failure to comply with industry standards, ( 3 ) unlawful disclosure, and ( 4 ) failure to provide adequate notice of the incident. 

What I am demanding right now is that you guys delete the following XXXX Accounts : Account # XXXX, Account # XXXX AND Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Product: Money transfer, virtual currency, or money service

I had to contact XXXX because my account was on hold and I needed to transfer funds. The rep I spoke to instructed me to call him back so he could remove the hold. I did so once the money was in my bank account. 

He instructed me to initiate another dummy transfer to reactivate my account. After transferring the money, he cut the line. I called back but the line was no longer active. 

I immediately called my bank and they could not cancel the transaction. I lost {$3800.00}
Product: Checking or savings account

On XXXX, my check was declined at XXXXXXXX XXXX  by Telecheck. I spoke to a supervisor at TeleCheck and was told that the reason was for the decline was that I usually dont write checks for over XXXX dollars. The supervisor XXXX, refused to help me and told me I should wait for 24 hours. I gave a lot of personal information to TeleCheck, and they still would not honor the check. I really need my medicine and am very concerned that TeleCheck has the power to hold your money hostage. Someone should investigate Telecheck for this unfair and biased business practice.

This has happened too often and for too long to me. There should be some intervention whereas consumers checks can be honored without being embarrassed and discriminated against. Telecheck should not continue to be allowed to have consumers checks declined for no good reason due to the check amount patterns.

My medicine costs hundreds of dollars and I was denied access to it due to TeleCheck and not due to insufficient funds. Telecheck already has too much personal information, and it is the consumer like me who is suffering.

Please investigate TeleCheck for this practice. I want to be treated like any other consumer that is allowed to buy products with the means they have.

Thank you for helping me with this.
Product: Credit reporting or other personal consumer reports

This account has a late payment XX/XX/year> which is inaccurate as it does not show the account balance, payment date, and amount paid. The other payments that are correct do not reflect the amount paid month by month, this is inaccurate. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding delete late payment of the following account XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below should be corrected XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry that was placed on my credit report on XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX Mastercard, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the application they claim that I submitted. What I received from the company is not enough to validate this inquiry. 

I received the copy of the application today XX/XX/XXXX, this application was submitted fraudulently.