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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX  XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
CAPITAL XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
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 XXXX XXXX XXXX. 

Account name : Dept of Ed/XXXX XXXX Account name : # XXXX ; XXXX ( TransUnion ) Account name : XXXX XXXX XXXX Account name : # XXXX, Account name : US Bankruptcy Court XXXX Account # XXXX ( XXXX ), Account name : US Bankruptcy Court XXXX XXXX XXXX & TransUnion 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 an 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: Checking or savings account

On XX/XX/2025 I had {$300.00} sent to my CashApp account which was for rent from my spouse. Within a matter of moments of this money coming into my CashApp account I got a notice a charge for {$250.00} from an insurance company was taken out of my account. 

I contacted the insurance company right away and CashApp to stop the payment and return my money. After speaking with the insurance company the charge came from, I found someone used my card to open a policy, however it was not me. 

I spoke with a supervisor at the insurance company and was advised they would be cancelling the transaction and issuing a full refund, and they told me to file a dispute and cancel the card that was used to make sure I got my money back and this didn't happen again. 

I filed a dispute and ordered a new card right away. 

Today on XX/XX/2025 I still had not heard anything, so I reached out to the insurance company and was advised the issued a FULL REFUND in the amount of {$250.00} on XX/XX/2025 however CashApp never returned the money to my account. 

I spoke with a rep via CashApp application chat and was advised the claim had been denied ( this is several times now CashApp denied claims of fraud on my account ). 

The company refunded the money and CashApp stole the money from me. 

The rep I spoke to from the insurance company advised I contact a lawyer on CashApp as they have right out stole my money. 

I'm filing this complaint as a last effort to fix the issue before reaching out for legal help.
Product: Money transfer, virtual currency, or money service

Returned check and overdraft fees pop up when the money is in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I have attempted to lift my security freeze with Experian. 

Most recently, XX/XX/22, and repeatedly since then. When I provide them my SSN and date of birth, they say it doesn't match their records. Neither has changed. The other 2 bureaus do not have this problem. 

I have attempted by every means of communication to contact them. Experian does not answer their phones. Experian does not have online assistance. 

I can't communicate with them because they do not recognize my information. 

But, I can't lift my freeze because they don't recognize my information. Information which has not changed in over half a century. 

Experian does not respond to my multiple efforts to communicate.
Product: Credit card

An automatic payment for full settlement was set up on my Goldman Sachs Apple Card. The payment was made but an issue with the bank resulted in it bouncing. This was corrected on the payment date but as the first payment had to fail before the second could be sent the payment was 48hours late. This was an exceptional one off issue and I have perfect record with the card previously. The second payment including all new charges ( not due ) and the interest as goodwill on my behalf. 
Goldman Sachs XXXX ( Apple card ) refuse to refund the {$120.00} charge they have made to my account for the first payment bouncing despite full settlement with 48hrs. They repeatedly state that the company has a maximum {$25.00} refund so I have to accept the reminder of the charge. 
I feel this is unfair and the company is using a one off exceptional situation to profiteer from myself. This is an exploitation of the unfortunate situation of a consumer.
Product: Consumer Loan

I had an installment loan that I got behind on back in XX/XX/XXXX. It went to an in-house collection agency. I paid in full during the XX/XX/XXXX. Since then, the collection angency has failed to update information correctly on my credit reports. The have incorrectly reported my XXXX date if delinquency, which could lead to the satisfied negative account to stay on my credit files past the XXXX year legal mark.
Product: Debt collection

Phone conversation requesting information regarding debt stated it not mine. Letters written and sent XX/XX/XXXX after dispute through XXXX completed XX/XX/XXXX stated the debt verified. My report shows two Texas " just energy '' utilities collections despite never having lived in Texas. The debts are not mine. XXXX Name XXXX XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX There are two separate accounts listed as " just energy '' utilities in Texas. 
I requested they be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXXXXXX  to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I initiated a wire transfer for down payment closing costs on my home at XXXX on XX/XX/29 with Discover Bank. I checked that this wire was for closing costs and I did not expect to have any more wire transfers in the future. I called to verbally authorize the transfer, confirmed that it was for a real estate closing, and was asked to upload my Drivers License and a bill or W2 to validate my address. I submitted those documents at XXXX, at XXXX I get an email from Discover that there was unusual activity in my account and they have frozen the account. I call Discover - was on the phone with them for 162 minutes, got hung up on twice from two different supervisors. They told me it was a " business decision '' to close my account, and they need to investigate the funds which will take 60 days. Then they will mail me a check IF they determine the funds are legitimate. I have banked with Discover for 5 years, never any issues. I have NO idea why my account was flagged, closed, and funds frozen. I was relying on those funds for my down payment, and now do not have access to them.
Product: Credit card or prepaid card

I received several emails from synchrony bank stating that a trial deposit was sent to my amazon credit building account I dont have any amazon credit building account and when I tried to call the 866 number it was invalid. When I did get a hold of someone at customer service they said it was sent out by an error.concerned about what else they might send out in error
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX START REPORT DATE : XX/XX/XXXX HOW CAN XXXX EQUIFAX OR XXXX XXXX REPORT ANY PAST DUE AMOUNT FROM XXXX IF THIS COMPANY JUST RECENTLY STARTED REPORTING TO MY CREDIT REPORT? 

ALL THESE BUREAUS ARE USING THE SAME E-OSCAR GENERATED RESPONSE ; Completed investigation of FCRA dispute - consumer disagrees. 
XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation info This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

IT IS EVIDENT THAT THE CREDIT BUREAUS DO NOT LOOK AT THESE DISPUTES AND WASTING CONSUMERS TIME BY NOT DOING SO - AND VIOLATING THE FCRA LAWS- WHICH THEY DO NOT CARE!
Product: Credit reporting or other personal consumer reports

The company provided information but it is wrong. 
Please update my personal information and provide copy of the update. 

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

When I checked my credit report this morning, I was in disbelief to see inaccurate accounts that I have no idea where they came from. I do this regularly, but this time, out of nowhere, there were inconsistencies. I even tried refreshing the browser to see if it was a mistake, but it wasnt. The inaccuracies remained, and now Im asking for the documents Ive sent to be thoroughly reviewed so I can stop worrying about it happening again.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, SHOWS ACCOUNT IN COLLECTIONS AS OF XX/XX/XXXX FOR {$140.00} AND ANOTHER FOR {$32.00} DATING BACK TO XX/XX/XXXX. BOTH ACCOUNTS WERE PAID AND I RECEIVED A LETTER FROM THIS OFFICE STATING SOMEONE HAD HACKED INTO THIS DOCTOR 'S PATIENT MEDICAL RECORDS. I REQUESTED THE XXXX REPORT FOR FREE DUE TO THIS WARNING, AND IT SHOWS, BOTH THOSE AMOUNTS ARE STILL OUTSTANDING. PLEASE HAVE XXXX XXXX XXXX 'S OFFICE REMOVE THESE XXXX CHARGES!
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email notification from XXXX XXXX regarding a credit card that is past due. I reviewed the information on my credit report. A credit card was opened on XX/XX/XXXX with a limit of {$300.00}. This account is past due for an amount of {$430.00}. This is identity theft. I did not apply for this card. The card is a XXXX XXXX. The creditor is Continental FIN CO XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX Customer service XXXX Fraud line I spoke to someone in the fraud dept. I let them know I did not apply for this card and that this is identity theft. Information was documented. 

Today, XX/XX/XXXX at XXXX. I received a call from a collection agency representing this company trying to collect debt. I notified the rep that this is fraud. The rep was able to see in the system that yesterday XX/XX/XXXX someone called impersonating me and filling for a lost card. I asked them to please report this as identity theft. More information was taken and I was advised to file this complaint. The representative was able to confirm that an address in XXXX XXXX, Flordia is where the bill is being sent. I have never lived in XXXX XXXX, Flordia.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are getting closer to a resolution. 
Experian finally acknowledges that the department of education XXXX XXXX XXXX is a collection account. 
The remaining issue is the first date of delinquency was in XXXX and was transferred to the collection agency in XXXX. They did not report till XXXX. Reminder the clock does not reset when sold or transferred. 
Proof on page two of response from the department of education to Congressman XXXX XXXX that became delinquent much earlier than reported. 
I have other correspondence as well if this is not sufficient but this is was an official statement. 
Note items had been removed from the other credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1400.00}, dates open XX/XX/XXXX closed XX/XX/XXXX. 

XXXX XXXX ( aka XXXX XXXX ) - balance is showing as {$480.00}, XXXX XX/XX/XXXX, opened XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX and Transunion the only address that is correct is XXXX XXXX XXXX XXXX MI XXXX. On XXXX the only correct address XXXX XXXX XXXX XXXX MI XXXX is missing.
Product: Credit reporting or other personal consumer reports

Initial Contact with Transunion : I reached out to Transunion by calling their customer service. My goal was to inquire about updating my consumer report, likely related to some disputed information or changes I wanted to make. ( un-verified Hard Inquiries ) Speaking with a Representative : During the call, I spoke with a Transunion representative. The representative told me that in order for my consumer report to be updated, I would need to send additional documentation such as proof of identity ( ID, Social Security card, etc. ). 

Clarification on Information Already Provided : I clarified with the representative that I had already submitted these documents in the past. Despite this, the representative stated that Transunion did not have those documents on file. This assertion contradicted my records and previous interactions, as I had already provided the necessary documents. 

Disputes and Record of Submission : I mentioned that if Transunion reviewed the disputes I had previously filed, they would see that the required documents were already submitted. This was an attempt to highlight that the information was already in their system, and they should have access to it. 

Proof of Conversation : I also noted that I have a recorded call of the representative stating that Transunion did not have the required documents on file. This recording serves as evidence to dispute the representative 's claim. 

Next Steps : In light of the representatives contradictory statement, I may need to escalate the issue. Since I already have the required documentation on file and proof of the representative 's miscommunication, I could submit the necessary documents again, referencing the recorded call as evidence, or file a formal complaint to Transunion for further investigation and resolution.
Product: Mortgage

This is in reference to prior complaint : XXXX, Acct # XXXX Mortgagor ( s ) : XXXX XXXX Property Address : XXXX XXXX XXXX XXXX , XXXX, TN XXXX I was informed by a letter in response from my last complaint by XXXX XXXX of XXXX XXXX Team with Selene Finance that a check for the amount of {$1700.00} was wire transferred to XXXX back on XX/XX/2021 with a check # of XXXX. 

I am filing this complaint today because after speaking to XXXX on 3 occasions since then, within a 9 day period of the response and supposed wire transfer. Selene Finance continues to hold my funds illegally since XX/XX/2021.
Product: Money transfer, virtual currency, or money service

I have an account with TD nano that XXXX sends my checks to every month. I have been having someone steal the numbers off of my debit card without my knowledge. They have tried to take my card number and use it without the chip on the card. I am confused as to why my card is being used without the chip. I don't see the point of a chip on the card when I was informed that the card could only be used with the chip. I have been having to go to the bank because if this to get a new debit card because they have allowed this tip happen behind my back. Last time I went I spoke to the teller gave her my information and was told to speak to another teller. XXXX minutes later I recieved a text that I ignored from TD bank since I was already sitting with the manager setting up a new card. I set my pin, went to the atm and used the card when I came home I checked my balance and the pin didn't work anymore. I went back to explain to the manager at broad and XXXX, what happened and she gave me an attitude telling me to leave and wouldn't change my pin. I called the police they told me tip go to another TD nano instead I'd fixing the problem and wouldn't give me her bosses number. After I went top a new bank and changed my pin it wouldn't work at the atm. I was then forced to write down my account number to withdrawal money after being told I'll revive a new card in the mail when it only takes to minutes to make a new one. On my way home I recieved a text saying thank you for sharing green XXXX when I looked it up someone at the bank used my money to open another account without my permission. I then read the contract and realized they said they can do as they wish with my account on the contract. XXXX told me before hand that the contract wouldn't apply in their own words no one should be going into my account under federal law no one but the XXXX account holder should be able to touch my funds. When I signed for this account I was already aware I'd the fake that they can't take money out of my account without my permission through goverment law. I just recently put these XXXX checks in a bank account with TD bank thinking that mine and my child 's account would be safe. I even spoke to someone on their phone line on the back of the card and asked them to put it on record that no money but XXXX money goes into the account and no one but me touches the account which is on record. Please help im really not XXXX XXXX and didn't get the chance the switch the account to another bank. The reason I put this income in TD bank wad because XXXX XXXX allowed someone to do the same thing and use my card without my knowledge. I would really like both top be researching and refunded
Product: Debt collection

XXXX I disputed it it was taken out of my credit amount of {$620.00} I do not know where this collection amount came from never been to the office or nor do I know where it is located at my documents where missing XXXX my ID card and bank card at that time. Now they report it again on my credit.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX and the major CRA 's last month, disputing the payment history and I got letter saying it had been verified, but the letter didn't prove the means.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is under litigation the balance is incorrect and I need account closed not only closed but removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( Experian, XXXX and XXXX  ) on XXXX. As of today I have not received any response from Experian or XXXX. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. Experian and XXXX have failed to respond in a timely manner to my requests and while I did receive a response from TransUnion, they did not resolve all of my issues.