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

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all 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

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs at no cost to the victims. Credit fraud protection should be mandatory for every account. The public should not be forced to pay for Equifax 's mistakes nor should Equifax be allowed to profit off of the fall-out from these mistakes. 

I hope to freeze my credit however in researching this process I will be forced to pay for these services, effectively rewarding Equifax for their gross negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, On XX/XX/2023, we ( XXXX XXXX and I. I was a co-signer on the loan ) settled for less than our original balance of {$4800.00} through Harley Davidson. The amount agreed upon was {$2000.00}. The payment was received by XXXX  who then released the funds to Harley. This account is now settled and closed, however is showing as open and even that the payment is late on my credit report ( s ). This is showing up on BOTH my XXXX and my XXXX. We are in the process of buying a home and this could be detrimental to that process. I have called both companies, XXXX ( debt collector ), and Harley the original creditor. I have now filed disputes with XXXX XXXX XXXX XXXX separate times. The first two times there was no change, the third is still under investigation. Considering that this debt is now settled and the loan is NOT open ( or late! ), I would love to have this information updated on my credit report ( s ). 

I understand that Harley Davidson stated that the debt will not be fully deleted, however I have been advised by several people at their company that it should be listed as a charge off, settled for less and NOT and open account ( which now has a late payment!! ) We have worked so hard to rebuild our credit and to finally be able to buy a home for our XXXX children. The fact that we settled this debt and it is showing up incorrectly on my report ( s ) is highly concerning and I wish for them to update them to show the loan as closed, and then update it to charge off- settled for less. For my trouble of having to dispute this now 4 times, if they wanted to do a full delete- that would be even better! 

Thank you
Product: Credit card

DISPUTE WITH BARKLEY BANK - XXXX XXXX XXXX XXXX XXXX

VENDOR - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

DISPUTE TRANSACTION DETAILS:
1) CHARGED FOR MERCHANDISE NEVER PROVIDED.
2) COMPANY PROVIDED A FAKE TRACKING AND FAKE SHIPPING COMPANY.
3) COMPANY PROVIDED FAKE CONTACT INFORMATION - UNREACHABLE
4) COMPANY ADDRESS IS A FAKE ADDRESS.
5) COMPANY HAS "F" XXXX XXXX XXXX RATING.
6) XXXX XXXX XXXX WAS ONLY A COMPANY USED BY XXXX XXXX TO PROCESS PAYMENT.  VENDOR IS XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased Ethereum and Litecoin ( cryptocurrency ) and sold them on XX/XX/XXXX on Coinbase with the proceeds ( cash ) to be wired to my verified bank account. The system stated the wire would be sent by XX/XX/XXXX. The money never arrived. Coinbase posted a generic message stating backlog of transfers due to high volume, will take 7-10 business days. They posted that the wired was completed on XX/XX/XXXX, yet as of XX/XX/XXXX I still have not received any money. 

I tried contacting them by phone but ca n't get a real person. I used their support page on the website but just get automated response. I submitted a support ticket but no response. 

The wire reference numbers are XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. 
I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting. 
2. **Failure to Furnish Form 1099-C** : The collection agency has also failed to provide me with a copy of Form 1099-C concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations. 
3. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent. 
4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer.

5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information. 
Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Credit card or prepaid card

Hello, I had opened the Home depot credit card account with 0 % interest rate terms in XX/XX/XXXX. The terms signed had misleading advertising showing 0 % interest rate in bold large font and finance charges in fine print with no details of exactly what amount they will be charging each month after promotional period. They started charging exorbitant predatory interest charges XX/XX/XXXX onwards without any separate notification letter and these details were not apparent in the initial  advertising that they gave us to signup for the promotional offer. 

Homedepot started charging a huge amount of interest rate on my balance from XX/XX/XXXX onwards. Previous Balance : {$3800.00}. Monthly Interest Charged : {$780.00}. XX/XX/XXXX statement : Previous Balance : {$6800.00}. Interest Charged : {$150.00}. Autopay : {$220.00} was charged.

XX/XX/XXXX statement balance : {$6600.00} doubling the initial balance inspite of making the autopayment every month. 

Homedepot never sent any email notification or letter about the upcoming exorbitant interest rate change. The account was set up in autopay in order to avoid any late fee. 

I have requested Homedepot several times to waive/adjust the interest charges from XX/XX/XXXX since we were never notified, with any online or paper letter or email or phone call. I could have paid the whole balance of {$3300.00} by the due date XX/XX/XXXX if I were notified. The account is in good standing with no late payments due to the auto payments. All the online account notifications were turned off in the default settings of the online paperless account. We got access and went into the online account in XX/XX/XXXX and discovered these charges.

Autopay History fromXX/XX/XXXX.

PAYMENTS XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$210.00}XX/XX/XXXX {$220.00} XX/XX/XXXX {$74.00} XX/XX/XXXX {$39.00} Thank you, XXXX XXXX Ph : XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 


XXXX XXXX Balance : {$380.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX Balance : {$240.00}.
Product: Credit reporting or other personal consumer reports

I called the company on XX/XX/XXXX to take the loan out, I received the funds on XX/XX/XXXX. On XX/XX/XXXX this company placed an hard inquiry on my XXXX credit report, I dont understand why? I never applied for a loan on XX/XX/XXXX! I already had a loan out with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my 1st letter disputing inquiries back in XX/XX/2020 to Equifax and XXXX. I never received a response in the mail and I also called to verify Equifax received the letters. They didn't verify it even after supplying tracking number. I resend the letter again and received a response back from Equifax and XXXX that the inquiries were verified. I then sent a letter requesting method of validation and never received a response. I even called to creditors myself to request record of my alleged inquiries and the creditors don't have record. So I know Equifax and XXXX are truly not investigating and stalling. Because I requested proof of investigation and didn't receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my report and I noticed some inaccurate information.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # XXXX, has 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
Product: Debt collection

Account XXXX XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX ASAP off my credit report or 1 will take legal actions.
Product: Debt collection

ACCOUNT ADJUSTMENT BUR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has reported a charged-off account in the amount of {$900.00} to the credit bureaus and is causing a negative effect on my credit report. I do not know this company. I have never done business with this company. This company doesn't have a contract with my signature.
Product: Credit reporting or other personal consumer reports

When I went to the car dealership, I was informed that they would only run my credit once to assess my eligibility for a car loan. However, to my dismay, it became evident that they had run my credit multiple times without my consent. This action by the dealership raises concerns about their compliance with the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that regulates the collection, dissemination, and use of consumer credit information. It requires businesses to obtain consent before accessing an individual 's credit report and limits the number of times a credit inquiry can be made without permission. By running my credit multiple times without my consent, the dealership violated the FCRA 's provisions, which aim to protect consumers ' privacy and creditworthiness. 

Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2020 i sent letters to XXXX, Transunion and XXXX to remove unauthorized accounts on my credit report that has been hurting my ability to move forward with my life. No investigation as been started to this day. 

1=Collection Bureau 2=XXXX XXXX XXXX 3=XXXX 3=XXXX XXXX XXXX It been over 30 days and now response form any of the credit bureaus on this matter. I need some kind of investigation done. Due to the Fair Reporting Credit Act if any investigation is not completed in 30 day but the credit bureaus all accounts in question must be deleted from that person report immediately.
Product: Money transfer, virtual currency, or money service

About a week ago I noticed a ACH transfer from my business bank account to XXXX XXXX for {$300.00} on XX/XX/XXXX. Which wouldn't normally think was strange because we have an XXXX card that we make payments on frequently, but I remembered seeing a transfer to XXXX for {$400.00} on XX/XX/XXXX. Then I looked deeper and found another {$300.00} was taken out on XX/XX/XXXX. Then I searched my account for all XXXX XXXX transactions, that showed XXXX unauthorized transactions that total around {$26000.00}. The address for the transfer ( ID : XXXX ) is the same for the unauthorized transactions and the authorized transactions, so the money was sent to XXXX. I contacted my bank and XXXX XXXX. My bank said they would investigate it and could have the funds back to me in 10 days. Then I called a few days later to check back on my claim and they said they had no record of my claim and after I gave them the information again they said to expect to hear something in 30 days. Today I called for an update and again they didn't have any idea what I was talking about and had to give them the information again. This time they said it would take at least 60 days till they even start an investigation. I'm a small business and this missing {$26000.00} could put me out of business before the 60 days. XXXX says they have no record of the transactions and says it's the banks issue and not theirs.
Product: Credit card

XX/XX/2023 I contacted WFB Fraud Department reporting XXXX ( XXXX ) fraudulent charges on my credit card ending in XXXX in the amounts of {$430.00} and {$240.00} from XXXX on XX/XX/XXXX. 
WFB initiated claim # XXXX and cancelled my credit card ending in XXXX WFB subsequently issued credits to my credit card my in the amounts of {$430.00} and {$240.00}. 

XX/XX/2023 WFB reversed the credits to my credit card in the amounts of {$430.00} and {$240.00} I contacted WFB Fraud Department and the representative offered to contact XXXX while I was on the line, indicating that he would have to drop off once an XXXX representative was on the line, and instructed me to call back with XXXX response. 
The WFB representative successfully connected with an XXXX representative and subsequently dropped off the call. 
Upon researching my account, I was informed by the XXXX representative that the charges in the amount of {$430.00} and {$240.00} were not made on my account and followed up with an email ( Attachment A ) stating as such. 

XX/XX/2023 I received a letter from WFB Claims and Recovery dated XX/XX/XXXX stating that they completed their research and found the disputed charges on my credit card was valid ( Attachment B ) I contacted WFB Fraud Department and spoke with a representative that informed me that I could mail a response to the following address : Attn : XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX I mailed a letter to the above address requesting reconsideration, and included a copy of the email from XXXX ( Attachment C ) XX/XX/2023 I received a letter from WFB Claims and XXXX dated XX/XX/2023 stating that they completed their research and found the disputed charges on my credit card was valid ( Attachment D ) XX/XX/2023 I mailed a letter to the above address requesting reconsideration, and included a copy of the email from XXXX ( Attachment D ) XX/XX/2023 WFB charged my credit card in the amount of {$98.00} on the disputed balance of {$670.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not reverse the late payment. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
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 TransUnion, XXXX & XXXX XXXX XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan account opened at XXXX XXXXXXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a personal credit card account opened at XXXX XXXX on XX/XX/XXXX with a balance of XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Checking or savings account

This is the second time in 3 months going through this with XXXX XXXX.They need to be fined or something needs to be done.I have a 7 year fraud alert on all my credit accounts to try and protect myself however they are not running it through the credit but someone has all my information and i did everything possible to try and avoid this from happening again.This is my 5th case of identity theft.Thank you.XXXX XXXX
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 violates the Consumer Financial Protection Act ( CFPA ). 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 Regulations E. These Actions have cause significant inconvenience and financial loss, and i seek appropriate readdress appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Best Buy Several most recent XX/XX/XXXX she opened the new account. Times and have attached the documents. I was a victim of fraud and this account was impacted they notified me they stopped the charges. yet never flagged my account correctly on my report. Did report it as a charge off. Then when I contacted them again and tried to resolved again they reported the charge off account as derogatory on my credit that they weren't reporting too. They have made major violations and caused me further harm. 
I have been trying to heal from the personal Identity theft that has occurred and even offered to pay them something to have them clear my credit report due to the nature and crime they refuse. On top of that in in XX/XX/XXXX I tried again this ie when they changed my last Date of Activity on my part was XX/XX/XXXX Because I recall being I was hospitalized XX/XX/XXXX from these events.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account number XXXX has 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I have  XXXX  of the same debts but those already should be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Ending XXXX I switched to paper statements because I was in the hospital due to my health and not able to access the internet online. I notified the company several times that I have not received any paper statements over the last 6 months.
Product: Credit reporting or other personal consumer reports

Delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX