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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX : XXXX, Account name : # XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information still showing on on credit report. XXXX XXXX   open on XX/XX/XXXX fraudulent amount XXXX  - this does not belong to meXXXX XXXX XXXX  open on  XX/XX/XXXX fraudulent amount XXXX  - this does not belong to me.
Product: Student loan

Loans went into forbearance and customer service representative informed me that after the forbearance loans would be current and al late pay notations on my credit would be taken off. The late pay notations were never removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX, and I have recently discovered that I've become a victim of Identity Theft. I am writing this personal statement on my behalf of myself. My information was utilized to apply and or obtain financial goods and or services without my knowledge or consent. I am requesting that the following information be removed from my accounts immediately. The account information is listed in this report and below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of the information reported by your agency. Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to maintain and report accurate information. Additionally, 15 U.S. Code 1681i ( 5 ) mandates that any information found to be inaccurate or incomplete must be corrected or deleted.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

We cancelled XXXX XXXX long ago and they were paid in full. After cancellatioin XXXX XXXX kept sending us erroneous bills. We disputed the charges when the bill was erroneusly charged at {$24.00} with XXXX XXXX because of repeated erroneous charges for late fees upon late fees and fees for eBill/ Auto Pay Opt Out. We were never late, we closed out service correctly and we were never offered eBill Auto pay Opt Out. After the XXXX investigation, they ruled in our favor. This information was provided to XXXX XXXX in documents and verbally. XXXX XXXX ignored the result and referred this to a collection agency Professional Credit Service who was also provided this information are now harrassing me, adding to the debt and are threatening me with credit destruction.
Product: Checking or savings account

On XX/XX/XXXX, a transaction was made from my checking account for {$100.00} at a XX/XX/year> in XXXX, California. This was NOT me, as I am in Washington  state. I filed a claim of fraud, closed that debit card, and shipped a new one. 

Today, I was mailed a letter that says the claim was denied because according to the investigation, the card used in California  was mine. This is impossible. The card was in my wallet in Washington  state, and there are no duplicates out there. 

The letter states the transaction was made using your card and Personal Identification Number ( PIN ), we found it was made by you or someone who had your permission. Once again, impossible. 

In addition to this, there are statements on my account clearly showing evidence of me making purchases with my card in XXXX, WA hours before my card information was stolen and used in California. 

Wells Fargo refuses to refund my stolen money, which is absolutely not okay.
Product: Checking or savings account

Opened a CitiGold account on XX/XX/XXXX over the phone with a representative, and used a Promotional Code that was tiered for different amount based on how much money was deposited. On XX/XX/XXXX I wired {$240000.00} to the account which met the promotional offer for {$1500.00}. During the promotional period, in the Citi App I was able to track the promotional and showed me as eligible for the {$1500.00} up until the promotional period ended then the tracker disappeared. After a few weeks I called into CitiGold and a agent said I was only eligible for {$500.00} since I put {$200000.00} in a CD with Citi and didn't leave it in the checking account for the full 90 days. However, when I opened the CD with my relationship manager at the branch they assured me opening the CD would not affect the bonus offer. As as well the fact the tracker in the App showed me as eligible for the {$1500.00} bonus for the entire 90 days, it is very strange that as soon as I couldn't access the tracker the bank said no sorry only eligible for {$500.00}.
Product: Debt collection

XXXX XXXXXXXX AND PACFIC CREDIT EXCHANGE THEY BOTH REPORTING ON MY CREDIT SAME AMOUNT JUST DIFFERNT NAMES. PACFIC CREDIT EXCHANGE NEVER SENT ANY NOTICES SAYIND THEY TAKING OVER THIS DEBIT. BOTH REPORTING AND TRYING TO COLLECT THE SAME AMOUNT XXXX. THIS IS A DUPLICATE ACCT WITH DIFFERNT NAMES I WOULD LIKE FOR BOTH COLLECTION BE REMOVED ITS BEEN PAST THE TIME FRAME TO COLLECT. THEY SELL MY INFORMATION SO IT CAN START OVER.. THEY DID AGREE TO REMOVE IT BECAUSE I WASNT GIVEN PROPER NOTICE
Product: Credit reporting or other personal consumer reports

I dont lived at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXXXXXX XXXX XXXX XXXX, ga XXXX, XXXX XXXX XXXXXXXX XXXX XXXX ga XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX ga XXXX or XXXX XXXX XXXX XXXX new york XXXX. 15 usc 1681 B I have a right to privacy and the consumer reporting agency continue to violate my rights and wishes. The only address that should be on file is Rural free delivery, non domestic, Georgia XXXX XXXX. There is no law that says any credit reporting agency can report this information without my consent and i say no period My name is XXXX XXXX XXXX nothing else but that
Product: Bank account or service

TCF Processed debits before credits on my account and then charged an overdraft fee of {$37.00}. I specifically called TCF the very day the transactions were pending and they told me the credit from the deposit would process before the debit payments. In fact they did the opposite and the account was never overdrawn if credits were processed before debits.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and dissatisfaction with Experian 's unacceptable delay in responding to my recent dispute regarding fraudulent credit reporting by XXXX XXXX. The evidence I have provided overwhelmingly proves that XXXX XXXX is committing fraud through unfair reporting practices. Despite this clear and indisputable evidence, Experian has failed to resolve my dispute promptly, causing me significant harm each day this erroneous account remains on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair credit reporting, and Experian 's prolonged review process is a blatant violation of my rights. The adverse effects of this fraudulent account on my credit report are profound, impacting my ability to secure loans, obtain housing, and even affecting my employment prospects. This is fraud at the highest level, and the unnecessary delay in rectifying this matter is exacerbating the damage to my financial standing and overall well-being. 

I demand immediate action from Experian to resolve this dispute. It is evident that XXXX XXXX is engaging in fraudulent activities, and there is no need for an extended review period to come to this conclusion. The delay in correcting this misinformation is causing undue stress and financial hardship, and it is imperative that this matter is addressed with the urgency it warrants. 

As the Consumer Financial Protection Bureau, it is your duty to ensure that credit reporting agencies adhere to the principles of the FCRA and protect consumers from fraudulent and unfair practices. I urge you to intervene and compel Experian to expedite the resolution of my dispute with XXXX XXXX. I can not afford to wait any longer while my creditworthiness continues to be unjustly tarnished. 

Please acknowledge receipt of this letter and inform me of the actions you will take to address this matter promptly. I expect a swift resolution to this dispute, and I am prepared to escalate this issue further if necessary to ensure my rights are upheld. 

Thank you for your immediate attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my self credit builder account is reporting inaccurately. 
I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. Equifax is reporting a balance of {$520.00} with a current payment status, XXXX is reporting a balance of {$240.00} with a current payment status and XXXX is reporting a balance of {$520.00} with a current payment status now all three of these balances cant be accurate. None of these balances are my current or accurate balance for this account. 

This account should be listed as XXXX {$140.00} XXXX. I have attached a copy of ( my self credit builder statement that proves your balance is in correct ). 


Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
has violated my rights. 

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. A ) Reporting information with actual knowledge of errors 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. 

There is a need to insure that consumer reporting agencies exercise their Grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

I received numerous calls on XX/XX/XXXX asking me to verify my personal information and they claimed I owed a debt. They called my mother the same day. They have also called my nephew looking for me. The debt was supposedly a payday loan that occurred in XX/XX/XXXX and was deposited to a XXXX XXXX XXXX XXXX. I don't live in XXXX  and never have. I didn't take out a payday loan. The loan was in the amount of XXXX. They threatened me with legal action. I told the woman to go do what she wants to do. I didn't make the loan IF it even exists. Also it would be small claims here in XXXX if they try to file something. Whatever, I will go to court. I didn't make the loan.
Product: Checking or savings account

On XX/XX/XXXX I was approved for a federal grant for an Eidl loan advance and on XX/XX/XXXX Bank of America froze my account. I brought in paperwork from the SBA proving the deposit was valid yet my funds have yet to be released.
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 ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent : address fraud on their platform, leaving m, 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

XXXX XXXX XXXX Account Number XXXX, Has Violated My Rights. 

15 U.S.C 1681 Section 602 A. States I Have The Rights 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: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted paper to experian credit consumer agencies, to clear my good name and investigate this collection agency for not following the law! they did not follow the law and remove due to incorrect Information provided by collection agency. Also the collect agency has stop all communications with me to resolve the matter
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

.
Product: Money transfer, virtual currency, or money service

I had cashapp since XX/XX/year> and they us to charge me to send money get money and c o uldnt get in my account XXXX XXXX XXXX was using it in total diffrent state
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX OF XXXX XXXX, XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX hav

e violated my consumer rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adj keeps updating on my credit report and it is not mine. It shows a XXXX balance and paid but its not mine & they keep updating and damaging my credit monthly.

I have been disputing with The credit bureaus XXXX and XXXX and they have yet to prove that this is mine. XXXX XXXX   IS NOT VALID VERIFICATION PER THE FEDERAL COURTS. 
This needs to be deleted
Product: Credit card or prepaid card

I ordered a shipment from one of our suppliers and they messed it up. I placed the order in mid XXXX and received it a month later ( when I was told I'd get it within 2 weeks ). When I received the merchandise it was missing items we paid for, missing my companies logo that we paid for, and the pieces were different than what was advertised online. I reached out to the merchant many times with no reply back. I gave the vendor a month to reply back with nothing ( after I reached out multiple times ). I  then went to Amex to have them reverse the charges since XXXX XXXX was ignoring me. Amex initially reversed the charges with all the proof I provided but now is saying the merchant has submitted their proof ( which Amex is not sharing with me ).
Product: Payday loan, title loan, personal loan, or advance loan

Title Max did not disclose the full contact.his Contact contains Arbitration clauses. On XXXX XXXX, XXXX, the President signed a joint resolution passed by Congress disapproving the Agreements Rule under the Congressional Review Act ( CRA ). Pursuant to the joint resolution, the Arbitration Agreements Rule has no force or effect. On XXXX XXXX, XXXX Also, note that a violation in the truth in lending act has been bleached and a hand on cash transfer was not provided. The electronic fund act is also a violation with the cfpb.The United States House of Representative passed House Joint Resolution 111 disapproving the arbitration agreements rule under the Congressional Review Act ( 5 U.S.C. 801 et seq. ) on XX/XX/XXXX. The United States Senate passed the joint resolution on XX/XX/XXXX. President Donald J. Trump signed the joint resolution into law as Public Law 11574 on XX/XX/XXXX. Under the joint resolution and by operation of the Congressional Review Act, the arbitration agreements rule has no force or effect. Accordingly, the Bureau is hereby removing the final rule titled Arbitration Agreements from the CFR. No hand on cash has not been provided. Phone call was made to me for collection on XX/XX/XXXX. Due to Title max other lawsuits since 2016. My case is no different.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to XXXX, XXXX, and Equifax asking them to verify several accounts and unauthorized inquiries on my credit report by providing an original contract or other document with my signature that would prove ownership of the accounts. I requested that if they could not verify those accounts with a signed document, that they should remove them from my credit report immediately. It has been 30 days and I have not received any correspondence in relation to my letters indicating that an investigation has begun or that the accounts have been verified. I sent another letter on XX/XX/XXXX informing them that I had not received a response and that I required a response immediately. Their reporting of unverified reports is hurting my ability as a consumer to qualify for certain credit and housing applications. I have attached the aforementioned letters for reference.
Product: Checking or savings account

XXXX has a Business Partnership with XXXX of which we have Automatic Daily Deposits. We ar3 still waiting for funds after 5 Days and XXXX refuses to contact their Business Partner to resolve this issue. We are requesting an Investigation into the Fraudulent Embezzlement Practices XXXX/XXXX is incurring on their Clients
Product: Credit reporting or other personal consumer reports

I was completely taken aback when I noticed inaccurate accounts on my credit report this morning, and I have no idea how they got there. Ive always been diligent about checking my credit report, but today, I found discrepancies that appeared out of nowhere. I even refreshed my browser, hoping it was just a technical issue, but the inaccurate accounts stayed. This situation is really distressing, and Im requesting that the documents Ive sent be thoroughly examined so I can put this worry behind me.
Product: Debt collection

Thereto the law of the FDCPA XXXX XXXX and his letter alleges to be a customer advocate for SPS on behalf of XXXXXXXX XXXX XXXX the alleged original lender. The alleged original lender has never attempted to collect an alleged debt nor has said company that being XXXXXXXX XXXX XXXXXXXX has ever contacted the customers herein this matter. Therefore XXXX XXXX and SPS along with XXXX XXXX XXXX XXXX XXXX [ XXXX ] and others not limited thereto employees of all said companies former and present are being forewarned that the mentioning of a debt without verification and validation is a Fair Debt Collection Practice Act issue and shall be addressed herein. XXXX XXXX on behalf of all mentioned companies have lied, he nor any company has ever attempted to validate nor verify this alleged fraud debt. There is no contract between XXXXXXXX XXXX XXXXXXXX now doing business as XXXXXXXX XXXX XXXXXXXX and said company has never attempted to contact the customer. As such this notice of Default and dishonor has been forwarded herein thereto all in this matter and collections has taken place with interest and such shall be filed in Federal Court within the USA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of credit report in Inquiries section, XXXX XXXX XXXX XXXX XX/XX/2023, XX/XX/2023. 


Note : Submitted complaint to Transunion LLC. to remove unauthorized inquiry on XX/XX/2023 ( CFPB # XXXX ). Due to request being > 1 month old, legal process to remove the information has begun. Third parties involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX ( XXXX ) XXXX