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

XXXX XXXX at this time has admitted and removed the reselling of my information to XXXX XXXX and experian however the XXXX ACCOUNTS are still on my consumer report. The information is not accurate nor verified, nor has any written consent of any of my personal information to be used and traded on. Pursuant to 15 US code 1692J civil liability XXXX  and third-party crediting bureaus are now liable for damages in the amount of {$1000.00} for each violation. There being several, it is requested to have the accounts deleted from all consumer reports due to the pro bay fraud and federal violations
Product: Credit reporting, credit repair services, or other personal consumer reports

chexsystem is incorrectly reporting a XXXX XXXX that I owe XXXX XXXX {$840.00} and that this account was closed and reported on XX/XX/2019. 
This account has been PAID of and there is no money owed to XXXX XXXX..this needs to be corrected immediatley.
Product: Credit card

Thursday, XX/XX/24 I received a phone call from XXXX that listed as " Account services. '' They claimed to be Wells Fargo and that a previously closed credit card had been hacked and someone was trying to make unauthorized purchases on my behalf. They had my previous addresses on file. They gave me a specific claim number and account transactions. I explained that that account had been closed and we had new credit card numbers. They asked for the card number to verify it to 'cancel ' the credit card. Unfortunately, I did give them the credit card number, expiration date, and cc code ( cards have since been canceled with the bank ). He then asked me for the last XXXX of my social which I did not give. He said to cancel the cards he would need to confirm the via a text on the phone, which number was actually my husband 's. My husband did not receive a text. The man then called my husband and the number appeared as " Wells Fargo '' on his caller ID. The man kept pressuring me to give information and I finally hung up. He then called me back on the following numbers : XXXX XXXX He called my husband on the following numbers : XXXX XXXX XXXX
Product: Debt collection

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, 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 identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under U. S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under 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 to my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!!
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. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX This account has many violations and inaccurate information. The dates reported on all bureaus are different. The dates of last activity for all 3 bureaus are different. The last payment for all bbureaus are different. This account is violating my consumer rights and must be deleted immediately. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX : {$3800.00}
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, I WAS SICK WITH XXXX  AND XXXX  DAYS LATE ON MY XXXX CREDIT CARD PAYMENT. I IMMEDIATELY PAID IT. I ALWAYS MAKE MY PAYMENTS ON TIME OR BEFOREHAND EVERY SINGLE MONTH. THEY CHARGED ME A FEE AND REPORTED ME TO THE CREDIT BUREAUS FOR XXXX  DAYS LATE WHEN I HAVE ALWAYS BEEN ON TIME. I ASKED THEM TO REMOVE THE MARK ON MY CREDIT REPORT AND I WAS SENT A LETTER STATING THAT THEY WILL NOT REMOVE IT. 

I WANT IT REMOVED FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a year ago, XXXX XXXX " blacklisted '' me after attempting to steal from me ( a previous complaint covered this ), and has repeatedly pulled my report since ( see " XXXX XXXX '' and " XXXX XXXX '' for all false inquiries ) then and told me that they 're " reviewing my credit application '' and would get back to me. I have the link to check what 's going on ( well, to see what card they say they 're looking over ) which is here : XXXX XXXX  XXXX. ( See " XXXX XXXX '' and " XXXX XXXX '' for some recent attempts of this as seen in their system. ) I have tried to reconcile this fraudulent use of my credit report as well as their theft, and they have continued to stonewall me ( see " XXXX XXXX '' that shows them explicitly stating that they refuse to listen to me at all unless I show them " new information, '' despite showing plenty ). I believe Experian ( the credit report that the inquiries from XXXX XXXX show up on ) previously asked that I dispute this through XXXX XXXX, so XXXX XXXX stonewalling me has made it impossible to get the several false inquiries removed. 

It is additionally evident that they are false and unauthorized as XXXX XXXX 's system shows that the " applications '' are all " cancelled, '' and they never give/gave a further explanation for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$330.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called XXXX in order to receive the 1099-c for the car acct that is currently showing on my consumer report as charged off. This account was charged off in XXXX of 2024 and reported to such to consumer reporting agencies, and pursuant to the IRS manual, I am supposed to receive a copy of the 1099-c form when entities report the cancellation of an account to the irs. XXXX stated they are not required to provide me this information which is false as any debt cancelled over the amount of {$600.00} is to be reported to the irs as income to the customer. This form is necessary for me to receive as I need it for the upcoming tax year. XXXX can not continue to collect on a debt that they advised the IRS they cancelled. I am asking the CFPB to intervene in this matter and have this company send me the documents they are required to send after waiving a debt. The IRS has also been notified of this behavior and a report for securities fraud has also been made.
Product: Checking or savings account

My Bank of America check and saving account was closed in XX/XX/XXXX because others tried to steal my account. After that, I defended my rights for 4 months and provided my bank account as required by Bank of America. handwriting signature comparison information, until I received a call from Bank of America on XX/XX/XXXX. They considered my request again and assisted me online to reset the user information over the phone. I am very happy to be able to use BOA again, I tried to deposit money into my account, but it failed, I went to the nearby financial center, they asked me to wait until XX/XX/XXXX, but when I logged in again, the system showed my checking And the saving account has been closed and I am not allowed to open another account, they did not give me the reason. I called and could not get any help, they just said that they could not verify my information and asked me to go to the nearest financial center, which I did in the nearest I went to the financial center with my documents countless times for several days, but in the end I still found out that it was a waste of time. They were playing tricks on me, constantly wasting my time, and constantly transferring calls to different departments. No one really helped me. The department that helped me recover my account was deemed by the risk department to have made the wrong decision. They did something wrong, why should I bear the consequences, wasted four months of my life constantly toying with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit application with XXXX XXXX XXXX XXXX credit card which is evaluated by Comenity Capital Bank. I received a letter stating they were unable to approve my application at this time for the following reason. Inability to verify your previous credit experience and as of XX/XX/ my credit score was unable to be calculated through XXXX. 
I reached out to XXXX and my credit report is available along with my credit score. I would like to take adverse action on this since I was evaluated and a decision was made without a proper evaluations from the credit bureau or Comenity Capital bank
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX Balance Owed : {$680.00} XXXX  XXXX Balance Owed : {$680.00} XXXX  XXXX Balance Owed : {$680.00} XXXX XX/XX/XXXX XXXX  BANK XX/XX/XXXX
Product: Debt collection

Jefferson Capital Systems LLC - contacted me on multiple occasions about a debt I'm unaware of and continued contacting me after I asked then not to. Also, Jefferson Capital Systems is a 3rd Party collector and I did not sign anything to have this unknown debt sent over to a 3rd party company. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has contacted me and my job on multiple occasions after I opted out of being called. I'm also Unaware of this as well. 

XXXX XXXX XXXX THEY ARE THE WORST!!! I've asked them COUNTLESS TIMES to stop calling!! Also, I'm not familiar with the address they reported on file.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this I didnt authorize these inquiries please remove these inquiries immediately
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATESI 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: Vehicle loan or lease

I paid my car off in XXXX of this year, got my title no problems and now I have a problem with my credit report saying I was delinquent for 90 days I called them and she said she saw nothing wrong and told me to report it so she could fix it. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Toll free XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Co. 
XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a 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: Debt collection

Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
Product: Vehicle loan or lease

The company is XXXX XXXX I am financing a car through them. I get paid on the 1 st of every month but my car note is the 23 rd. They have no grace period. My note was {$320.00} a month they raised it to {$360.00}. Being that I get paid on the 1st not the 23rd my payment is late. The late fee totals out to {$760.00} a month I can't afford thats amount. I explained my situation numerous amount of times they are not willing to work with me. They call me every day starting at XXXX untill XXXX XXXX  harassing belittling me about not paying my bills. I pay {$400.00} a month and still thats not enough. My payments are not going down at all. I feel im going deeper into a hole. It has to stop! I am a single mother I am completely XXXX out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of a SSN breach in which a fraudster opened up multiple fraudulent accounts using my SSN with numerous creditors including : XXXX XXXX, XXXX, Comenity Capital, and XXXX XXXX. They then went delinquent on all of the accounts and my credit score was destroyed. The fraud occurred in XX/XX/2022. The only lead I have is that the address for the XXXX XXXX account was XXXX XXXX XXXX XXXX XXXX, TX XXXX and it was started on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle, the car lot farmed my SSI number for One purchase, now I have 8 hard injuries. The FTC law allows me to shop in a time frame for big purchases without being punished, Disputed and spoke with Equifax supervisor, refuses to remove. 


1. XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017 Auto Financing 2. XXXX XXXX, Inquiry from XX/XX/2017 Personal Loans Cos. 
3. XXXX  XXXX XXXX Inquiry from XX/XX/2017 4.  XXXX XXXX Inquiry from XX/XX/2017 5. Members First Credit Inquiry from XX/XX/2017 6.XXXX XXXX  XXXX Inquiry from XX/XX/2017 XXXX. XXXX Inquiry from XX/XX/2017 Personal Loans Cos. 
8. XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2017
Product: Debt collection

Were still in litigation in court with XXXX XXXX XXXX and they put a balance of {$980.00} on my credit through tek-collect collections agency. Since we havent had the final judgement from the court saying who has won the case, theyre not legally allowed to put a collection on our credit when we dont owe them any money since the judgement has not been made.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent. 

( a ) XXXX with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector. 
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( XXXX ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
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 affective 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 comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.