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

Dear CFPB, I have sent several letters to the agencies regarding inaccurate information in my credit file. The bureaus claim the account is verified. The inaccurate information remains in my credit file and has impacted my file negatively. Now I would like to file my CFPB complaint formally. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance to FCRA, Section 611 A through D, They are supposed to let me know who they verified with. I asked them to delete anything that is not 100 percent accurate. I have a lot of inconsistencies between the 3 bureaus, below I have listed them out for you. 

TRANSUNION Account Name : XXXX XXXX XXXX  XXXX Errors Found -open Date is not uniform with all 3 bureaus -Last reporting date is not uniform with all 3bureaus -last active is not uniform with all 3 bureaus -Date of last payment is not uniform with all 3 bureaus XXXX Account Name : XXXX XXXX  XXXX Errors Found : -open Date is not uniform with all 3 bureaus -Last reporting date is not uniform with all 3 bureaus -Last active is not uniform with all 3 bureaus -Date of last payment is not uniform with all 3 bureaus XXXX XXXX Name : XXXX XXXX XXXX Number XXXX Error found : -open Date is not uniform with all 3 bureaus -last reporting date is not uniform with all 3 bureaus -last active date is not uniform with all 3 bureaus -Date of last payment is not uniform with all 3 bureaus I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms, is an admission of guilt and a direct violation of my rights of a fair investigation. I am not sure how They can state it was verified. How is it possible that TransUnion, XXXX, and XXXX all verified the accounts above as accurate coming from ONE source, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. 

At this point, I demand this account to be deleted immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report to the address below after they have completed the deletions Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Thank you for your time,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 : IT ALSO STATES A CONSUMER REPORTING CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN PERMISSION.
Product: Vehicle loan or lease

First I checked but in the state of Pennsylvania I see they dont have to give me a 10 day notice prior to repossession, but I never gave the bank consent to give a 3rd party i.e. the tow company my address. There also was a breach of peace because as the tow company was here at my home at on XX/XX/24 at about XXXX, XXXX XXXX of XXXX XXXX PA XXXX I stated to them that I dont consent, that why are they stealing my car, and we went back and forth about it. I told them to put my car down they didnt, so I backed off because Im not going to fight theses guys. I called the police and made a complaint with the XXXX XXXX Police at about XXXX XX/XX/24 and spoke with XXXX, badge # XXXX, explained to them the situation and they stated me to call bank, which I was going to do regardless. I did call the bank and they stated they didnt have my repossession in there system yet, I also explained that it was illegal for them to give a 3rd party my address without my consent and that there was a breach of peace, and the law states that when that happens the tow company needs to stop, disengage and speak to the bank to try to handle This other day or the bank needs to speak to me so we can handle this via arbitration. It also states in the contract that they can peacefully take the vehicle, law prohibited and they didnt, so there was a breach of contract on their behalf. If there was a breach of contract lawfully under UCC and USC if there was a breach of contract BANK OF AMERICA has to do a rescission and if I dont agree and if I do agree they would have to give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union had violated my consumer rights with inaccurate alleged accounts after several months of contacting Transunion about the violations I have officially filed a Federal Complaint and filed a law suite against Transunion the alleged account they are reporting are now in litigation PLEASE SEE ATTACHMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling these unverified and inaccurate accounts for awhile now and these haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that these accounts have different values and information. Please remove the negative accounts right away. 

Also, there are some unauthorized inquiries that I don't recognized.
Product: Checking or savings account

Sometime last week, I'm not positive about dates due to the fact I have zero access to my own account, someone attempted to deposit a counterfeit check in the amount of {$500.00}. The bank returned the check and then closed my account. I have been speaking with them since last Thursday XX/XX/XXXX, about needing my funds immediately, as a single mother of XXXX young children my money is very important to us. I was told by the first person I spoke to that she would put in an expedited claim to release funds to me and that she would have an answer in 24 to 48 hours. I called back the next day and was given 3 separate timelines on when my money would be " sent back to me. '' One gentleman even spoke to a supervisor asking that there be a credit given to allow me to have some sort of funds available to me immediately given I have XXXX young kids who rely on me, the supervisor denied the request. I called back first thing this morning, since they were closed during the weekend, for them to tell me that there has been no expedited claim filed for my account and it will take an additional 3 days to be able to access my money. This is absolutely ridiculous. I'm being treated like a criminal over something I didn't do to a bank I've been banking with since XX/XX/XXXX, 10 years of loyal service to be treated like a criminal and have my money basically stolen from me. I am supposed to be paid this Friday again, and I can't even go open another account at another bank because I have XXXX money to do so.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax are still showing collections accounts when I have had them deleted from XXXX. 

XXXX XXXX XXXX XXXX {$81.00} XXXX XXXX XXXX XXXX {$78.00} XXXX XXXX XXXX {$100.00}
Product: Credit card or prepaid card

This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened. I did not agree to any membership, loan or credit card. I never gave authority to open such account, my personal information had been used to process transactions and open an account without my consent. It is unauthorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these fraudulent account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I already requested for verification of this account and send out disputes but did not received any validation. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance, or obtain new lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw some questionable data reporting on my report from a XXXX XXXX account with an account number XXXXXXXXXXXX. I wrote to the bureaus requesting an investigation. 

I received a response claiming to have verified the information reporting, yet I got a letter from XXXX XXXX dated XX/XX/2019 which I will attach, claiming the bureaus didn't send over enough information for them to understand the reason for dispute and review. Which means they were unable to verify any data properly.
Product: Money transfer, virtual currency, or money service

I an 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 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: Checking or savings account

In the late evening of XX/XX/XXXX, around XXXX, I attempted to withdrawal XXXX $ from a Wells Fargo ATM in XXXX , California . The ATM machine denied the transaction, stating on the screen that the machine did not have enough XXXX $ bills to dispense my requested amount. Soon afterwards, I was able to perform another attempted transaction, which I did, and was able to withdrawal XXXX $ in XXXX $ bill denominations. The following day, the online statement for Wells Fargo showed that I had made 2 separate transactions for the amount of XXXX $ total. I proceeded to call Wells Fargo to confirm if this was correct and they stated it was based on their records. At that point, I filed a dispute of the initial transaction with Wells Fargo. Subsequently, the claim was denied approximately 2 weeks later. I called back their claims department to file another complaint to follow up on their decision to deny the claim and my follow up claim has also been denied. According to Wells Fargo, by denying my claim, they are claiming that I withdrew XXXX $ that evening by 2 separate transactions. However, this is not possible and defies logic, considering I have a maximum withdraw limit of XXXX $ per day with Wells Fargo. Therefore, this is the reason for filing my complaint today with consumer financial protection bureau.
Product: Debt collection

XXXX XXXX keeps calling my cell number looking for someone else. They don't seem to understand that they have the wrong number. They continue to leave me voicemail messages indicating there is an urgent and pending matter that must be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting Act the following accounts has violated my rights XXXX 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 an account without my written instructions. 

Creditor : XXXX XXXXy Original creditor : 08 XXXX XXXX XXXX  XXXX XXXX A Date : XX/XX/2022 Balance : {$220.00} Creditor : XXXX XXXX XXXX I DATE : XX/XX/2022 Balance : {$610.00} Creditor XXXX XXXX XXXX XXXX  Original Creditor : THE XXXX XXXX XXXX XXXX Date : XX/XX/2022 Balance : {$900.00} Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Checking or savings account

I submitted this complaint before, you submitted it to HSBC who reviewed it and said basically " It could take up to six months - good luck ''. They did not provide proof of when or who to my account balance was submitted. If this is the extent of action you can take then honestly don't see the point of your agency. The law regulating delinquent accounts was intended to clear up old accounts of people who had died or were truly unreachable. Financial institutions are either grossly misunderstanding the law or deliberately abusing it. If you haven't viewed an account in over a year they will send one letter, which may appear to be spam or simply missed, and then close your account and give the money to the state. A few repeated emails or phone calls or several letters would reach 99 % of people. 
I would expect you agency to take some action such as review how many similar complaints were at each bank and look into whether they actually submitted the money to abandoned property. 

original complaint : HSBC gave the remaining money in my account to abandoned property in Connecticut on XX/XX/XXXX. I have checked CT abandoned property and their is no record as of XX/XX/XXXX. I did not receive any prior notice by mail, email or phone call even though I've had the same address since XXXX. I had been receiving email notices up until XX/XX/XXXX saying that a new account statement was available.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at BANK OF AMERICA on XX/XX/XXXX under the account number ( private ), and an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In violation of 15 USC 1681, my SS and other private information was exposed in the data breach where hackers stole 3 million peoples personal and private information, including mine. Fraudulent accounts have been opened in my name. Therefore, hackers and imposters have been using my information without my permission or knowledge.
Product: Debt collection

Debt collections reached out for accounts that I have no knowledge of. Stating that I owed them money. Once informed of debt, I started looking at credit reports and started finding more accounts that were not opened be myself. 

Continental Fin Co Account opened XX/XX/XXXX for a line of credit in the amount of {$500.00}. When I contacted company I gave my name and explained that it was fraudulent and started asking for other names on the account, address on the account and email. The man said that he could not and that I had to provide information. I gave him my ex wife 's phone number/address, he confirmed that those were in fact on the account. When I asked for the email provided he gave it then when asked for the fraud department, he promptly disconnected the call. 

XXXX XXXX account opened XX/XX/XXXX for a line of credit. Once contacted I explained that it was a fraudulent account. I was supplied with an email/address and phone number from my ex wife. 

XXXXXXXX XXXX XXXX  account opened XX/XX/XXXX for a line of credit in the amount of {$650.00}. I reached out to customer service and explained that it was a fraudulent account. I was provided with an email/address and phone number. 

XXXX XXXX account opened XX/XX/XXXX for a loan. I contacted XXXX XXXX and explained that it was fraudulent. It was explained to me that I owed {$1400.00} on a {$700.00} loan. I was directed to the fraud department and completed there fraud paperwork. I was given the email and the name of the banking institution that the loan was sent to. 

I then contacted the XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX to file charges. With the information given to me by the collections and customer services representatives I believe it to be the work of my ex wife. Using documents from our marriage prior to divorce, she opened multiple lines of credit in my name. I can provide the emails given to me along with the addresses and phone numbers. 

XXXX XXXX, Texas XXXX case number : XXXX XXXX XXXX XXXX Texas XXXX XXXXXXXX number : XXXX
Product: Credit card or prepaid card

I signed up for a Chase XXXX card using the link for XXXX bonus XXXX miles after XXXX in spending and another XXXX pts after spending XXXX. I am very particular about the credit card rewards I sign up for. I used the Chase link for this rewards program. They shifted me into a different less meaningful card bonus program -- which I never would have signed up for. 
XX/XX/XXXX signed up for card Early XXXX -reached XXXX in spending. 
Inquired about bonus they told me to wait XXXX weeks. 
XX/XX/XXXX - XXXX weeks later they told me I did not apply for that card bonus. 
Refused to give bonus points after I satisfied all requirement. 
Bait and switch. 
I know exactly what card I signed up for - I dont even know what offer they are talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION XXXX PLEASE READ THIS IS NOT A DUPLICATE COMPLAINT! COMPANY SENT LETTER ATTACHED TO I THE CONSUMER, AND NOT THROUGH THIS SITE AS THEY SHOULD DO. IM AWARE MY ADDRESS US PUBLISHED. 



EQUIFAX REFUSE TO REPORT CORRECT INFORMATION TO MY CONSUMER REPORT. I'VE SENTTHEM CERTIFIED LETTERS TO DO SO WITH A COLOR COPY OF MY CREDIT CARD ( SOCIAL SECURITY CARD ) AND AT THE TIME MY DRIVERS LICENSE AGAIN IN COLOR. 

XXXX XXXX RETURN RECEIPT : 1. XXXX XXXX XXXX XXXX XXXX 2.08/02/2022- XXXX XXXX XXXX XXXX XXXX 3XXXX XXXX XXXX XXXX XXXX AS OF TODAY XX/XX/2022 COMPANY IS STILL REPORTING AN INCCORECT NAME ON MY ACCOUNT, WITH A HOST OF OTHER ERRORS.I ATTACHED A COPY OF MAIL THEY SENT ME WITH MY CORRECT INFORMATION AND THEM STATING THEY ARE UNABLE TO LOCATE MY CREDIT FILE. 

AGAIN NOT ONLY ARE THE REPORTING FALSE INFORMATION ON MY CREDIT REPORT, THEY ARE CONSTANTLY HARRASSING ME FOR MY PERSONAL INFORMATION THAT HAS BEN SENT MUTLIPLE TIMES CERTIFIED AND UNCERTIFIED. 

I'M PREPARED TO TAKE THIS TO CIVIL AND FEDERALCOURT IF I DO NOT GET MY REEMDY. THIS IS DEFAMATION OF CHARACTER, INFRINGMENT OF MY PRIVIACY AND RIGHTS AS AN CONSUMER. ( AS THERE IS NO PROOF THAT i SIGNED A CONTRACT WITH THIS COMPANY OR ANY COMPANY YOU'RE REPORTING FOR. ) THAT INFORMATION WAS REQUESTED ON XX/XX/2022. 

I WILL NOT SEND THE COMPANY ANOTHER PIECE OF MY PERSONAL INFORMATION. AS AGAIN I HAVE PROOF THAT IT WAS SENT AND COMPANY RECIEVED IT. 

EQUIFAX AS OF XX/XX/2022 ANY PERMISSION AND/ OR AUTHORIZATION YOU THINK YOU MAY HAVE OR HAD, REGARDING THE USE AND/ OR STORAGE OF MY INFORMATION, IS HERET BY REVOKED!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report, and I am disputing some items that need to be deleted. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card per FEDERAL LAW 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or other services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. Pursuant to 15 USC 1681c ( a ) ( 4 ) states that any information that is placed for collection or charged to profit lost should be excluded from my consumer report. Why are these consumer reporting agencies furnishing information without my consent. Pursuant to 15 USC 1681a ( 2 ) ( B ) these transactions should be removed from my consumer report expeditiously. I am demanding that you block and remove these transactions from my report as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.These accounts should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) .I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.I sent a certified letter XX/XX/2021 and received notice that you received. You have 30 days to complete my request, you are on notice. All of the consumer agencies are civilly liable for negligent non compliance pursuant to 15 USC 1681o.
Product: Credit reporting or other personal consumer reports

Ive just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the FAIR CREDIT REPORTING ACT, convergant account # XXXX, XXXX, XXXX as well as a fraudulent address XXXX XXXX XXXX XXXX, TX XXXX has violated my rights 15 USC 1681 602 A states i have the right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent if you have any questions or concerns i can be reached at XXXX