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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is as reminder to the Credit Bureuas that they have failed to comply with my requests to remove the fraudulent accounts and information completely from my Credit File! I am disappointed and I feel like the Credit Reporting Agencies are not doing their jobs and have grown negligent of their responsibilities. Let me remind the Credit bureaus that they are required to investigate and remove any fraudulent information from my Credit File under the Fair Credit Reporting Act section 605b. Also, the Credit Bureaus have been failing to respond to my dispute letters in a timely manner have been claiming that the items I am disputing are verified and accurate! This is a clear violation of my rights under the FCRA! My Identity was stolen and was used to open these accounts and file these information without my permission therefore these items I am disputing must be removed at all cost! Once again, I need the following items removed completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/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

My first dispute was sent on XX/XX/XXXX for identity fraud. I sent an FTC report along with a police report. They are refusing to remove 4 items from my credit report. They are XXXX  XXXX  XXXX XXXX. XXXX, XXXX, and XXXX XXXX XXXX  XXXX. I want these blocked from my report. I received results that these were verified so I called on XX/XX/XXXX to start another investigation. I just want these items blocked completely instead of them zeroing them out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrect credit scores
Product: Credit reporting or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I've had a derogatory status that has impacted my credit report tremendously due to the fact that the creditors, credit report agencies, and furnisher was in violation of the Fair Credit Reporting Act 15 U.S.Code-1681 602. Also Privacy Act 5 U.S Code 522. Due to such actions by this creditor & credit reporting agency being XXXX XXXX XXXX with XXXX XXXX being the originally creditor, & Experian has left me with a balance of {$470.00}. I have made several attempts to try to resolve this issue by agreeing that i would pay this so called debt if proof was shown that I Consumer was who in fact initially opened this account. Which they have failed to do so. Their only response that I will be forced to pay this already discharged debt.
Product: Credit reporting or other personal consumer reports

In XXXX i got notification that i was in collections from credit bureau. I disputed with transunion and XXXX who since removed it from my report. I also disputed with XXXX and it came back verified but with no proof. I have no knowledge of company quality asset. This is harming me and I requested it being removed for the lack of proof i requested over a month ago.
Product: Checking or savings account

Issue : After banking with WF for 29 years with NO problems ever, I came back to WF after a period of marriage/divorce that changed my financial focus. I returned to WF, opened up an acct with no problem in XXXX, CA to later find out the account was closed and sent to Risk Management. 

I requested of the Risk Mgt dpt an explanation as to why this was happening. A letter was received but it only delayed the response to 10 days and then another letter after a call for another 10, etc. It has been years now and I still am not able to bank at WF. I need to understand why my acct went to Risk Management! I believe this to be an error and an explanation needed to clarify what has taken place. The letters from WF are not responding to my questions! 

XXXX XXXX : XXXX and XXXX Acct ending in XXXX ( it should only be an acct of {$300.00} )
Product: Debt collection

I have been trying to pay an old fine for the XXXX XXXX XXXX North Dakota for several years. " ProCollect '' in XXXX had been " assigned '' to " assist the city to collect these written off fines. '' I also have several other debts that are older debts than this specific fine for a traffic violation. I have discussed how the Fair Debt Collection Act protects consumers by requiring collection agencies to apply the payment as per the consumer 's instructions and that their policy " to apply the payment to the oldest debt on the account first, '' would be nearly impossible for me as it is a medical debt that exceeds my annual income amount. I have attempted to speak with several people at the debt collector 's office, the attorney general office of North Dakota, the North Dakota Financial institutions Office and the staff and city attorney for XXXX XXXX courts. I have been hung up on by Procollect 's staff and managment because I refused to disclose to them my name ( to Procollect ) as this is really an issue that applies to every person they have debts they are attempted to collect from and not just my individual self. I want XXXX XXXX XXXX XXXX XXXX to be assessed as well because they sent this debt, without notice and without prior expectation that if the debt went unpaid for a specific length of time that they would then " write off '' the debt to be collected by a 3rd party agency. In addition, Procollect, has informed me that once they allow a consumer to satisfy a debt that comes from the municipal court for the XXXXXXXX XXXX XXXXXXXX, the company sends notification back to court staff so that they may then send verification to the XXXX XXXX to release the suspension ( if one was issued ) and restrions in relation to that fine that was turned over to procollect on a consumers ' driver 's license. This violates the Fair Credit Consumer Reporting Act. Procollect has informed me that they receive NO commission for the collection of these debts for any account and they do not " own '' these debts. This violates the Fair Credit Consumer Reporting Act and my right to privacy. North Dakota has assigned the North Dakota Department of Financial Instatutions to " regulate '' such complaints according to online resources and the person I spoke with at ND attorney general 's office. This is also a violation of the Fair Debt Collection Act. Please send me instructions as to how I should proceed so that my complaint continues to become a cause for action at the appropriate level and change can be implemented against the unlawful acts of a government office and it's contracted businesses and their staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to investigate my dispute properly, im simply explaining that XXXX at XXXX XXXX has not sold this debt and XXXX XXXX XXXX. 

*XXXX  at XXXX XXXX XXXX no longer in existence. 
*This can not be labeled as ( accurate ) if the company is not a real company. 
*Experian only validates one side of the complaint with out investigating any of my facts *I never received validation of ownership about this account that is a lie. 


i think it is pretty simple to investigate but they ( Experian ) refuses to due so every time i will be looking into legal action for discrimination against me after this request. Experian has not done a fair investigation on this matter. Experian is being bias in this situation by only choosing to listen to one side of the dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  I have been went them for years an years. Didnt receive no notice on there behave of the there situation highly disappointed an I have paid XXXX of dollars to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several identity theft reports, personal statements, and police reports to Equifax about removal of fraudulent accounts and inquiries. Due to the fact I was affected by the Equifax and XXXX breach I believe this company should be accommodating my request to remove anything fraudulent, but they are not and giving me an extremely hard time.
Product: Debt collection

I have sent a total of XXXX notices to cease and desist to the credit collection company to stop contacting me via phone and to only contact me via mail on XX/XX/XXXX I sent the last notice via fax to Merchants Credit Bureau has continued to contact me they called me from their number XXXX on XX/XX/XXXX at XXXXXXXX XXXX est XX/XX/XXXX at XXXXXXXX XXXX est XX/XX/XXXX at XXXXXXXX XXXX est
Product: Debt collection

I do not know if the company is a fake or not. I request that they provide me with information of the amount I owe in writing and they refused to send me that information. They state that they sent me a letter 10 months ago. I explained that I did not get such a letter and ask them to provide me with that information. A manager named XXXX refused to sent me that information. Moreover I explained that they continue to call me on my cell phone and have requested that they reframe from doing this practice and contact me via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 The above 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, credit repair services, or other personal consumer reports

I have disputed this outdated information several times. They remove it and then wait and add it back with a later date. The loans are from 2003. IRS has garnished taxes to pay balances yet they are still being reported.
Product: Checking or savings account

I signed up for a Citi Bank N.A. new checking account offer. First time Citi account opener ( which I was ). Open a new checking account, and deposit {$5000.00} in new funds. Then hold the {$5000.00} in new funds for 60 days or longer, and within 90 days Citi will award a {$200.00} bonus. I deposited {$5000.00} and held it there for over 90 days, but did not receive the bonus. And, when I reached out to people at Citi to resolve, I received no help. I have attached screenshotted proof of my transaction history, showing the {$5000.00} going in on XX/XX/20 and staying for over 90 days. Thanks for your help.
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX
Product: Money transfer, virtual currency, or money service

My account has been permanently limited. The customer service gave me the reason it is limited and it is a mistake, not on my part, and they will not correct it. I collected {$30.00} from XXXX people to purchase a dinner gift card for a coworker who broke his arms. Two of the people checked that the funds were for goods and services, they were supposed to check it was for a friend. They checked goods and services since I was going to buy the gift card.

You can see in the attached the two people who selected goods and services incurred a small charge and the one that did not was not charged. PayPal thought I was conducting business and trying to get away with not paying business markups. 

Customer service will not let me talk to the people doing the review when it was done wrong, they will not let me put in a written request for a review they are just telling me I can never use Paypal again.

The PayPal account is under XXXX XXXX
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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  # 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 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed a collection on my Experian, XXXX credit report and XXXX credit report on XXXX XXXX, 2015 stating that I owe a balance of $XXXX I never signed a contract with this company to agree to pay any debit's owed. Therefor I am not responsible for any debits owed to this company
Product: Mortgage

In my previous CFPB complaint id XXXX submitted on XX/XX/2021 Amerisave Mortgage Corporation promised us a {$500.00} refund on our application fee. They stated in their response on XX/XX/2021 : " As a courtesy, AmeriSave will refund the {$500.00} Application Fee to the credit card initially charged within 3 to 5 business days. We trust this matter has been satisfactorily resolved. '' As of now, XX/XX/2021 this {$500.00} refund was never received. That over a month after the promised 3 to 5 business days. We continue to be disappointed with the service provided by Amerisave.

We have no way to contact the appropriate department at Amerisave as no contact information was provided in their CFPB case response. Hence we now have to open another case for our {$500.00} refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied directly through bank XXXX XXXX and were pre approved for {$55000.00} auto loan through XXXX XXXX, which is our bank. I found a vehicle at XXXX XXXX XXXX. When we got tot he dealership it was not the vehicle that the had told us about. There were suppose to have a new vehicle that met our expectations. The company wanted to start the process even though the vehicle was not there yet, they wanted to the paperwork process so I gave them a letter from XXXX  XXXX and I told then not to run our credit and I had been pre-approved through our bank. I was alerted through XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and Transunion that there were several new inquiries on my credit bureau that were not authorized. So I spoke with the general manager at XXXX XXXX XXXX and asked why they ran our credit without my permission. His response was, " well your credit was already low. '' I informed him that I was going to file a complaint because he was not authorized to run my credit through any other bank. I contacted via phone XXXX, Transunion and XXXX directly to dispute the inquiries that I did not authorize. I explained that the only bank XXXX XXXX XXXX was authorized to run my credit with was XXXX XXXX since we already had our letter and this was our lender. I requested that all other bank inquiries be removed and I was told by each that it is legal for an auto dealership to run your credit through several banks and all of those additional bank inquiries would remain on my credit report for 24 months. I did not authorize XXXX XXXX XXXX to run additional bank inquiries and that does not make it right or legal for them to do so.
Product: Credit reporting

Experian They sent me a report and reposted Items they removed the XXXX XXXX bank account they do this over and over it takes me months to remove and they put it back on Please have items removed and not reposted over and over.
Product: Debt collection

XXXX XXXX sent a wage garnishment to my employer XXXX aka XXXX  of Illinois and my wages were garnished and the amount was collected in full, I am still being harassed and threatened for legal action, I have contacted XXXX several times and they give me the run around stating I have to contact another # and dept and I can not get a resolution
Product: Credit card or prepaid card

There are two charges on account which were done without my permission. One of the charges are from the XXXXXXXX XXXX XXXXXXXX XXXX for {$770.00} I was present at the location at the time and I had given permission to hold my card for reservation but never authorized them to charge my card- this charge was made on my robin hood card and the card company is not able to under help me at all they have been giving me a runaround for months now. Following this charge there was another charge for {$200.00} from XXXX I did not authorize this charge and I do not know who this merchant is. Please help me out because I this is almost a {$1000.00} which is missing from account and the people who are suppose to help are unable to understand what the issue is. 

XXXX XXXX  WAS DONE ON XX/XX/2022 AT XXXX while the card was in my possession. It shows it was an online purchase for {$200.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WAS DONE ON XX/XX/XXXX at XXXX while I was present at the location without my permission. I tried reaching out to this merchant several time but they wouldn't respond and my credit card company would not help me recovering my funds.

PS : *ALSO PLEASE THERE IS NO NEED TO SEND ME A NEW CARD JUST BECAUSE I AM FILING THIS COMPLAINT. I HAVE ALREADY RECEIVED THE NEW CARD. I DESTROYED THE CARD THAT IT OCCURRED ON. I WILL GIVING YOU THE NEW CARD NUMBER HERE FOR THE COMPANY TO LOOK ME UP
Product: Credit reporting

I just received my credit report from transunion and it has a list of my past addresses however there are XXXX addresses on there in states that I have never been.Upon further research the XXXX addresses are not businesses but single family homes.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically, CASHAPP failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # 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 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.