23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

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 XXXXXXXX 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 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: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Experian XXXX XXXX XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX, Experian and XXXX XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX ) XXXX XXXX XXXX ) XXXX  XXXX ) XXXX XXXX XXXX ) XXXX  XXXX ) XXXX XXXX
Product: Credit card

I made an attempt to use my Macy 's American Express Card in XXXX and was informed the transaction was declined. Called Macy 's regarding this matter and was informed my account was closed in XXXX XXXX, my XXXX Credit Report dated XXXX/XXXX/XXXX clearly states my account was not in a closed status until XXXX XXXX, I still was not notified by a letter or on my statement. I had called customer service and ask why I had a XXXX limit, I was informed I still was able to use my card and disregard the XXXX available credit line. I also called XX/XX/XXXX to inquire about my credit rating on my account and received a letter stating they could not change the 60 days past due, again never informed me the account was closed. I had some financial difficulties XX/XX/XXXX and worked with Macy 's credit to keep my accounts going, I was able to get back on track in XXXX XXXX. Why was n't I notified my account was closed and why they led me to believe my account was in good standing when I made payment arrangements to keep my account in good standing. Why was n't I notified my account was closed when I inquired XX/XX/XXXX and received a letter in the mail that the 60 days past due was going to remain on my credit, why was n't it stated account closed on my Macy 's American Express statements, why no indications when I make an an online payment, why does the automated system says I have {$440.00} available, why no letter?
Product: Credit reporting or other personal consumer reports

I don't know where this XXXX XXXX account come from or why it is showing on my XXXX and Transunion credit report. Please assist me in getting this account removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a complaint to the 3 Credit Bureaus last XX/XX/XXXX 2022 and I have also been waiting for their response since then. I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or were they authorized by me. The XXXX, Experian, and XXXX Credit Bureaus is given the time to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that the Credit Bureaus are obligated to finish their investigation within 30 days and must stop reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items I found to be fraudulent and yet they are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX  XXXX Balance Owed : {$430.00} ; XXXX XXXX  XXXX Balance Owed : {$3400.00} ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date Updated XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX # XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries on my credit report i dont recognize. XXXX  and flagship credit. On XX/XX/year>. I did not apply for credit during this time.
Product: Debt collection

Original Creditor XXXX XXXX XXXX XXXX Attempt to dispute on various occasions Company continue to sell a old debt to various sourcing companies with out my permission resulting in opportunist sourcing companies without my permission to sale, resulting in an appeared refreshed year to reflect as a new account resulting in tarnished credit file. XXXX  XXXX XXXX had stopped reporting to the bureaus as clear from XX/XX/XXXX to XX/XX/XXXX after being disputed in XXXX. XXXX  XXXX reversed the XXXX balance owed 10months later and after another dispute was done and after another 30 day investigation they decided to sale it to another company resulting in the issue we have today. There has also been times when ACCOUNT ADJUSTMENT BUR each month would purposely double report and sometimes 3 times report within the same month like it was a glitch on all 3 XXXXredit bureau 's Account Name ACCOUNT ADJUSTMENT BUR Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date Opened XX/XX/XXXX Balance Updated XX/XX/XXXX
Product: Vehicle loan or lease

Arbitrarily being charged late fees when payments were made to cover late fees in the past. Wells Fargo is charging me a total of {$360.00} in late fees now although I have already paid all of the late fees throughout/during the life of the loan. I think this is a way of the company trying to steal my money. They can not justify that I have not paid the late fees after I demonstrated through all of my payments that I paid the late fees every time I caught up on my payments. 

After all these years they are trying to say that I owe these late fees and can not prove that I did not pay them. This is now causing hardships for me and I have XXXX children with XXXX and I am not able to keep disputing this with Wells Fargo!!! This is impacting my health.
Product: Credit card or prepaid card

Denial of my consumer credit as the creditor, when I have full faith and credit and that's a prepaid exemped account, Thier acting as Beneficial Owners of my SOCIAL SECURITY XXXX XXXX ACCOUNT, with non disclosure, signed under a NDA ( $ IGNED A NON DISCLOSURE AGREEMENT ) a unilateral contract. I'm age of majority and competent to say so per Title 46 USC 57308 ( VESSEL LIEN up to 25 years of age ). I'm the Beneficial Owner/TTEE for that account and I do have trustees and beneficiaries appointed to the revocable living trust account via XXXX 's XXXX They have not responded to any of my email request, from the very same email my account is set up under. I'm Alive for the record as well. XXXX XXXX XXXX, with prejudice. This matter should be approved and handle with care because I know they see my private securities under ( 15 USC 77 ( r ), denial of credit is unacceptable! I'm demanding a certified copy of the assets and liabilities for my account within the consumer law four days. They keep sending me obligations of THE UNITED STATES ( Title 18 sections A ) and I'm a state XXXX XXXX, which they have a copy of my passport, proving the facts!
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 an 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 and 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 or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX '' XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI 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: Payday loan, title loan, or personal loan

XXXX XXXX can not connect to the bank for information. The bank side of the issue is what 's wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports.The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

There are several inquiries that I require proof of a permissible purpose. PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As a consumer by law, these Fraudulent Inquiries must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Federal Trade Commission. I also called XXXX to let them know that I had unauthorize and fraudulent inquires. They refused to to removed them. By law they are required to removal these inquires.
Product: Vehicle loan or lease

I started having a transmission problem with my car causing me to not be able to work due to not having a vehicle. The extended warranty company refused to pay for the repairs when it was clearly covered. I am still in process of taking legal action against that company but that is besides the point. My dad had to pay for the repairs with money he didnt have and now I have emotional distress which I am intending to get from that warranty company. Nevertheless I am over 90 days past due and ally financial is my lender for my XXXX XXXX XXXXXXXX. I was XXXX $ past due but now I am XXXX $ past due and its only going to add up my car loan is currently sent out for repossession so they are looking for the car. Which was the last thing I wanted. I tried to resolve the past due balance with Ally by saying I will pay XXXX $ plus my normal monthly payment if you take off the repo and agree that we settled but they simply said I have to make this amount of payment to get out of repo but with my limited income right now I can only pay so much and not to mention the loan is XXXX $ which is XXXX $ more then what the car is worth my car is worth XXXX $ I know this because I tried to refinance with the credit union and no finance company will refinance me because of the fact the loan is more then what the car is worth and that is not even including the 12.36 % interest which would make it XXXX $ after 6 years and XXXX $ is too high of a monthly payment I even asked for a 4 month payment extension but they say no because once you modify the loan you cant get payment assistance but I did not know that because I did it online and i should of read the terms and conditions but due to my XXXX I was not thinking straight. All I was thinking about was the fact my monthly payment is too high. I even tried hiring a lawyer to talk to ALLY for me and it did not do me any good. Not to mention they are rude representatives I even asked to speak to a supervisor and they say they will call me they never did : mind you I asked over 10 times already and each time they did not return my call
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXXXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you review the documents? Some of the accounts listed have inaccuracies in reporting, amounts, and dates.
Product: Debt collection

I called in the attempt to settle a debt that I have been disputing for over two years. When attempting to discuss an offer the supposible manager said he worked hard behind the scenes to get me a better offer which was over 150 more than the initial offer given by the previous rep. When I asked to speak to a manager the supposible manager got disrespectful and constantly yelled at me telling me he was not going to send me to a manager good luck with that and hung up on me. I called back in and the same rep got on the line with me and again started yelling at me telling me he would not transfer me to a manager he doesn't have to so he's not going to. I then asked why he wouldnt transfer, he said I don't have to it I don't want to so I'm not going to. I asked for the rep 's ID and he refused to give me the information, he also refused to give the company 's information as I requested. The rep was very abusive and disrespectful After some due diligence I found this to be his information : Caine and Weiner XXXX XXXX Unit Manager Address : XXXX XXXX XXXX XXXX floor, XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts from my credit file. While checking my credit report, I noticed an account I did not authorize made by the following that I will be listed below. I have never authorized any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts be immediately removed from my credit file that Equifax has under my Social Security NumbeXXXX. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. 
Also, I found fraudulent addresses and Inquiries. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. 
FRAUDULENT ACCOUNTS! 
XXXX XXXX Balance : {$350.00} Balance Updated : XXXX XXXX, XXXX Credit Limit : {$300.00} XXXX # : XXXX Date Opened : XX/XX/XXXX Account Type : Revolving XXXX XXXX  Balance : {$2300.00} Balance Updated : XXXX XXXX, XXXX XXXX XXXX : {$2000.00} XXXX # : XXXX Date Opened : XX/XX/XXXX Account Type : Revolving FRAUDULENT ADDRESSES! 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX FRAUDULENT INQUIRIES! 
XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX, XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this letter to dispute the following 3 reporting agency in which they did not respond to my disputes. These agency are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49.

JUNE 5, 6, 1933 HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 ** ** Brady v. U.S., 397 U.S., 742 at 748. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences **
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXXXXXX
Product: Checking or savings account

I opened a new accoun with truist bank. I called their number to acivate my debit card and someone said they were transferring me to the fraud department. They then got into my truist account and said my account was hacked. they then proceeded to get into my computer and transfer money out of all of my different banking accounts. this was due to my calling truist for information. i now have to buy new computer mobil phone etc due to this and the bank will not help me nor give out info to the corporate office. dont know what to do. i need to report this and the fraud department at truist is where i called and it was a scam. i want the truist bank to reimburse me for all the new equipment i had to buy.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX EXPERIANXXXX DATE XXXX XX/XX/XXXX I have reviewed my credit report and found there are several inaccurate data points within my personal identification which the listed bureaus are reporting. 

My only name : XXXX XXXX ( Please delete any other name you are reporting that does not match. ) My only address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX ( Please delete any other addresses that you previously reported. ) NAME : XXXX XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX DATE OF BIRTH : XX/XX/XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>