23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and Trans Union. Thank you!
Product: Money transfer, virtual currency, or money service

I received my IRS deposit on XXXX XXXX to my cash app account. I didnt even have it in there for an hour and I proceeded to transfer the funds of {$5000.00} to XXXXXXXX XXXX at XXXXXXXX XXXX the same day to another online mobile banking app because I needed use to the funds on that paticular account at the moment. Due to my fault, I didnt realize XXXX banking app had a limit restriction in which resulted in the transfer being rejected and had to wait a week before the funds were sent back to cash app according to XXXX . After that time, I have reached out to cash app and opened a case as to the investigation of my missing funds. Cash app did state in writing on the support help option that they were able to confirm with XXXXXXXX XXXX that the funds were released. Now, it has almost been another week and cash app is still showing a XXXX balance. I have reached out several times to cash app regarding my missing funds and I was given a report number of XXXX in the investigation as to where my funds are. This was strictly a transfer of funds with no purchases made in between. Im sick to my stomach that all my hard earned tax return is now just missing somewhere in virtual space and that was all the money I had and each day has been extremely critical in surviving without any money to do so. I will enclose a copy of supporting document showing the deposit and release of my funds via internet to these institutions as follows, but I am just now left desperately seeking my funds with cash app having absolutely no answers whatsoever as to where my money is. They are just saying they are looking into it, but several business days have surpassed and still no word with no supervisor or governing ranked person or establishment to speak to. Im afraid if I just keep taking their excuse less responses day after day without resolution, my situation will surely turn detrimental. Im reaching out for help now to assist me in getting my funds to me before its too late. Thank you. XXXX XXXX
Product: Debt collection

I get repeated calls from the number ( XXXX ) XXXX. It is always an automated robocall that directs me to hold the line, but ultimately no one is available to take your call and it disconnects. Ive called the number back and it is the same message. Through my own investigation, I have found this company is Vanguard. I have no business dealings with any such company. 

This company calls up to 5 times per day. They are pointless, robocalls that end the same no one is available. Since no one is available Id like them to stop harassing me.
Product: Credit reporting or other personal consumer reports

About XXXX XX/XX/year>, my insurance company, XXXX XXXX, told me that, in Maryland, they use reports from LexisNexis Risk Solutions as part of setting insurance rates for my policies. Since I had previous unfortunate experiences with LexisNexis about XXXX to XXXX years ago, where their reports on me at that time contained inaccurate information which they would not correct ( such as listing residence addresses in towns I had never visited, let alone lived in ), I attempted to request a report online. The LexisNexis web site accepted my request ( although confusingly did not confirm it was received ), and eventually LexisNexis sent me XXXX letters, in response to my XXXX attempts to request my file, saying they could not verify my identity. I then called them, and, after a very long wait and provide a great amount of identifying information, was told I would receive a report. I received a letter yesterday from them, dated XXXX XXXX, giving a URL and PIN for obtaining an online report. When I tried to retrieve the report, their web site said they could not verify the PIN. I then called them at the number given on the web site, but the automated system would not connect me to an agent, so I called the number given on the letter, and was told that the URL and PIN would not work " on XXXX devices '', which seemed ridiculous. The agent claimed she would have a printed copy of my data sent in " XXXX to XXXX days ''. I had earlier written to LexisNexis on XXXX, and received a number for a dispute resolution office, so I called that number. That agent said that the previous agent was mistaken, and that they had had problems recently with bad PINs being generated some of the time, but she would arrange for a printed copy to be sent in " XXXX to XXXX  days ''. My experience gives the impression that LexisNexis is doing their best to frustrate people from obtaining a report, perhaps because they know they data is of poor quality.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. My address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I found some addresses on my report that do not belong to me please remove the following : XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following cell number are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Experian 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 XXXX XXXX Unsecured Loan with account # XXXX, opened on XX/XX/XXXXXXXX, and a balance of {$2800.00}, has violated my rights. 

I looked at my Experian credit report on XXXX  XXXX, XXXX, and noticed some things are incomplete and not accurate. 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 ).

According to 15 USC 1681 ( 5 ), they are supposed to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, 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. 

According to 15 USC 1681s-2, they are supposed 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: Debt collection

Late XX/XX/XXXX I recieved a letter stating i must appear in court on XX/XX/XXXX at XXXXXXXX XXXX being sued by Rubin and Rothman for a XXXX XXXX  XXXX credit card debt of XXXX. In XX/XX/XXXX I recieved court papers to respond to and I did that by denying the debt and requesting proof of debt and ownership etc. I received NOTHING from them until XX/XX/XXXX which was a mailed court appeared letter. 
I appeared there today on XX/XX/XXXX at XXXX and was informed that the date was changed to XX/XX/XXXX XXXX and a default judgement was made against me. 
I did not receive any notice of this change in court date. I feel this is a tactic to win by default. This company asked for a sooner court date and never notifed me so i could appear. I appeared in court and it is truly unfair that this can happen.
Product: Checking or savings account

Bank of America ch arged late fee for funds being below {$100.00} in  one  billing cycle. The bank charged those fees when account still had above {$100.00} . Seven instances where bank refunded fee. Only when called did the bank   refund the money and agreed there should n't have been a charge.
Product: Debt collection

In my interactions with XXXX XXXX and LJ Ross Associates, several concerning issues have arisen, including breaches of privacy laws, violations of the Fair Debt Collection Practices Act ( FDCPA ), and misreporting of account information. Communication with XXXX XXXX, Executive Solutions Specialist, XXXX XXXX ( Credit and Collections Investigator ), and other representatives from XXXX XXXX and LJ Ross revealed lapses in privacy protection and failure to inform me of my rights under the FDCPA. Despite my efforts to address these concerns, including initiating correspondence and requesting verification of the debt, XXXX XXXX 's responses have been inadequate, exacerbating the situation. These issues necessitate further investigation and resolution to ensure compliance with relevant laws and regulations. Please see attached evidence to support my claim.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

Citi Bank has been calling me every single day for the last 8 months, and they need to stop. They are never going to see another dime from me, so they may as well give up. The money they're claiming I owe them is from disputes I had filed that they completely mishandled. Due to COVID-19 and the stores ' policies at the time, I could not help the fact that stores were not accepting returns for clothing, food, and anything sanitary-related ... I also could not help that restaurants I went to sucked and they could not get their orders straight, or that they gave me food that was horrible quality, etc. 

With many disputes I had filed, I showed supporting documentation of my claim, and they STILL denied my disputes, just because the merchants responded showing bill of sale! Zero of my disputes argued that I did not authorize the purchases. They all were filed under different categories. So basically, the merchants would respond to my dispute unaccordingly, completely dodging my reasons for disputing, and Citi would automatically find in favor of said merchant!! 

I'm glad they closed my account, because I was going to close it anyway as I refuse to do business with XXXX  ... The purpose of this complaint is for Citi to stop calling me. If they want me to pay off my so-called debt, then they can either transfer it to a collection agency or not. Either way, there is absolutely no reason to be calling me every XXXX day, every day for 8 months. And either way, they're not getting my money. I will dispute the debt to the credit bureaus if need be ... 

Also, a response from the company will not be necessary. Although I'm sure they'll be brazen enough to respond, and their response will not be read.
Product: Credit reporting

On XX/XX/2017, I received an email from a potential employer stating that they could n't run a background check on me as their background check vendor received the following when using my SSN : " Information provided is registered to XXXX, order can not be completed. No record found at the credit bureau. '' I spent the next 4 hours on the phone with the FCRA Consumer Disclosure Center, the Social Security Administration, XXXX, and, finally, Experian. The SSA and XXXX could find no issues with my SSN and confirmed my birthdate. Experian, however, told me that a creditor had submitted a birthdate change to my record which Experian changed without consulting me. I was told by Experian that I would have to provide proof of my birthdate and SSN and they will rectify the issue in 3 to 5 days. This could potentially impact my getting a job with this employer. I suspect that the creditor that submitted this information had erroneously typed my birthdate. However, it is beyond my understanding that a birthdate change could be submitted to a credit reporting agency and that reporting agency accepted this as fact when, in turn, they require me to prove via documentation that my birthdate was, indeed, the date they originally had on file. Again, this change has impacted my ability to get a job.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are arroneus. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX  percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 


1. Please investigate if every piece of information is correct. If not please remove it from my credit report XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Please investigate if every piece of information is correct. If not please remove it from my credit report XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

3. Please investigate if every piece of information is correct. If not please remove it from my credit report XXXX XXXX  XXXX. 
Account Number : XXXX Please investigate and delete from my credit report. 

4. Please investigate if every piece of information is correct. If not please remove it from my credit report XXXX XXXX  XXXX. 
Account Number : XXXX Please investigate and delete from my credit report. 

9. Please investigate if every piece of information is correct. If not please remove it from my credit report 10 XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. Please investigate if every piece of information is correct. If not please remove it from my credit report XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. Please investigate if every piece of information is correct. If not please remove it from my credit report XXXX Account Number : XXXX Please investigate and delete from my credit report. 


I also read where I can get the updated report after you investigate this from the Free XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

they are reporting information to 3rd party nonaffiliate 's
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Credit Reporting Representative would not investigate my dispute for the unauthorized inquiries on my credit report. I was told to file a police report and send the report to the Bureau.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX5 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX FED XXXX # XXXX Account Name XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX- Account Name : XXXX # XXXX- Account Name : XXXX  # SYNCH- Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Credit card

Person his name XXXX XXXX he lives in Oklahoma he stole my personal information and he applied for credit cart on my name and he put his address and used my accounts and he didnt pay and when he opened all credit I was lived in XXXX and I dont know about all that this is afraid and Im a victim
Product: Debt collection

In accordance with 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 agency can not furnish a account without my written instructions.
Product: Debt collection

I have been on a wild goose chase, just trying to pay one {$200.00} debt that I did n't even know I owed. 

It started when I found out my debt was referred to a group called the XXXX XXXX XXXX. The only information I could find about them was an AOL.com email address, a PO Box and a XXXX business listing that stated they were " Permanently closed. '' I sent them an email and a letter asking for more to confirm their business was a legitimate one. They declined to respond, but one week after I filed my first complaint against them they referred my case to a law firm, Relin , Goldstein & Crane, LLP. I asked that we only communicate by email and they agreed. 

At first they were very responsive, but then I suffered a death in the family and my attention was diverted. At the beginning of this month I started to put my life back together and reached out to them. 

They indicated that they would pursue legal action against me if I failed to pay the debt, however they now have not responded to XXXX communications I sent, eager to resolve this matter. 

This is a small debt that I 'd love to get out of the way, but I do n't want to finance an illegitimate business.
Product: Credit card or prepaid card

Wells Fargo closed my account without my permission and denied request to reopen. On XX/XX/XXXX I recieved a call from a rep indicating that they would resume service on card but failed to do so. Prior to that call I spoke with someone about options regarding card, thry mentioned that they would call me back but never did so, only to find out that the account was closed. I never missed a payment however late on a few due to covid related illness but always managed to maker payment. I fear that my business credit will be negatively impacted due to closure and was trying to avoid that. One individual stated that I wasting their time, I felt that comment inappropriate and felt that I was not worthy of being a valued customer. I just don't understand Wells Fargo way of doing buisness with small business owners. Please help