23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am an XXXX XXXX XXXX  ( XXXX  ) at XXXX, started my XXXX  this XXXX  XXXX. I was trying to transfer my apartment lease and so put an ad on XXXX XXXX. One lady ( XXXX XXXX, from Wisconsin, she said ) was very interested and wanted to take my apartment. I told her the lease transfer fee is {$500.00}. You can pay it to lease office or me. She then sent me a check of {$1900.00}. She told me to take {$500.00} for lease and send the rest to her moving agent ( XXXX XXXX XXXX XXXX ). First I hesitated but then convinced as she said the check will be provided by her company. I received the check online and found that it posted to my account ( my balance increased after 1 day ). I had no idea of fake check or check bounce in the USA. I trusted and sent {$1400.00} to the moving agent as she said. I sent through XXXX as she requested. The account was, XXXX XXXX, XXXX. After that I thought everything was going good but suddenly she said she need {$800.00} more to send her mover to fix her car. Then I refused and started to suspect. I complained in Police ( Case : XXXX XXXX ) and they said it's a scam. After that, I found my money has gone, check bounced back. I contacted bank several times but they refused to get back the money. I contacted bank and put dispute but they refused my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST BOX I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is continued from my previous complaints. I included the police report I filed because I forgot to list it in the other complaints. listed below are the complaint numbers from cfpb : Complaint # XXXX Complaint # XXXX Complaint # XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I submitted a complaint with you, and now after not getting any results from my mortgage company, there was a class action lawsuit brought against them for improperly reporting. I received a check and a statement that stated " As part of the settlement agreement, Wells fargo has requested reporting agencies to delete records related to closed accounts, credit inquiries, and/or delinquencies. However, I have sent this letter, and disputed it with all three credit reporting agencies, and neither Wells Fargo, nor the credit reporting agencies have corrected the issue. I am showing XXXX past due payments, and none of them were ever past due. I have fought with this company for the past 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the name of the company that my auto loan is through ; after contacting the company with questions about my contract, I realized that they are a collections agency. My original loan amount was reported in XX/XX/2022 and by XX/XX/2022, even though I have paid on time every month, my loan amount has INCREASED rather than decreased. This is being reported to the credit bureaus and lowering my credit score. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX  XXXX B U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX B XXXX XXXX XXXX XXXX XXXX  XXXX XXXX B N/A XXXX XXXX  XXXX XXXX XXXX XXXX XXXX B XXXX XXXX XXXX XXXX B XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DEPT OF ED/XXXX   XXXX B DEPT OF ED/XXXX  XXXX B XXXX XXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX B DPT EDXXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX B XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I do not remember for applying Credit from following 1st and 2nd company. 
I request you to pls remove off from my credit report. 
1 ) XXXX XXXX XXXX : Inquiry Date : XXXX XXXX National Credit card Cos. 

2 ) Discover Bank Inquiry Date : XXXX XXXX & XXXX National Credit card Cos. 


and I have closed everything form XXXX XXXX XXXX. I have nothing with XXXX XXXX XXXX. 

3 ) XXXX XXXX XXXX XXXX XXXX. 
Inquiry Date : XXXX XXXX Telephone Companies
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX XXXX  violation 's that EQUIFAX are furnishing with the accounts. Every marked/circle furnishing are violations of the Privacy Act of 1974, 15 USC 1681, 15 USC 1681e , 15 USC 1681b , 15 USC 1681n , 15 USC 1681a , 15 USC 6801, and 15 USC 6802 . There are well over a 100 federal consumer violations EQUIFAX is furnishing with the XXXX XXXX XXXX accounts on my consumer report. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the XXXX XXXX XXXX reporting 's by EQUIFAX. I will file Arbitration as my next step if we can't resolve this issue.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. These actions have caused significant inconvenience and financial loss, and I seek to be compensated for these violations
Product: Debt collection

Since Wednesday, XX/XX/XXXX I have received repeated calls ( 16 of them ) listed as " Unknown '' or " No Caller ID. '' I answered once and heard silence on the other end of the line. I hung up. Today I received a voicemail message in which a voice said that the caller was named " XXXX XXXX '' and that he was demanding a call from me or my attorney about a credit card I have that is financed by Comenity Bank. He did not specify an amount or reason for the call. He implied in a threatening manner that I needed to contact him at XXXX extension XXXX. I XXXX the number and found that other consumers have been subject to harassment from this company. I checked Comenity 's website and my account is in good standing. I checked my credit report and there was no negative reporting from this company. I should not be receiving collections calls from this company.
Product: Credit reporting or other personal consumer reports

I have several fraudulent hard inquiries on my credit report that I need deleted. Such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

/n May of 2018 I disputed An account on my Transunion credit Report. The listing was XXXX XXXX XXXX XXXX. In XXXX Transunion responded back saying the account was verified and accurate. Well On XX/XX/2018 I wrote Transunion a certified letter asking for the Method of verification per the FCRA 611 ( A ) ( 7 ) I am entitled to see as for I am the consumer. I have enclosed a copy of the letter that was sent to Transunion on XX/XX/2018 and I attached a copy of the certified mail receipt and a copy of the delivery notice that Transunion received the letter on XX/XX/2018. they have 15 days to respond to the letter. well today is XX/XX/2018 and Transunion has failed to respond to my letter/dispute. I am legally authorized to take Transunion to court and sue for the action- failing to respond to my written dispute with in 30days. Violation consumer protection afforded by the FCRA I am entitled to {$1000.00}. Legal Jurisdiction- FCRA Section 611 Part ( A ) ( 1 ) I will take this to a federal court Transunion , you have violated my rights and this is ground for removal on this US Bankruptcy Federal, Court that listing inaccurate on my Transunion report. If this account isn't removed immediately from my credit report asap I will go and file a suit and I have all the documentation to prove that I sent a certified letter to your company. and you failed to respond to my letter Todays date it XX/XX/2018 and your company has failed to respond to my request. this is not right and against the FCRA ...
Product: Credit reporting

Had to put alerts on my credit reports now I can not access Experian and can not reach them by phone to find out why their report is not showing up. I have called their number and there is no option to speak so anyhone, it is all automat4ed and the option I needs I not there. I am trying to possibly refinance with lower interest rate but need access to all XXXX credit reporting agencies for this company to see if I qualify for a particular type loan.
Product: Debt collection

I was reviewing my credit report and noticed that I had some collections that werent mine
Product: Debt collection

I do not recognize the account named EOSCCA the amount they say I owe is {$650.00}. I have not opened any such accounts as of XXXX of 2020. I would like for this account to be removed immediately it is hurting my report and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX  XXXX  Date of Inquiry XX/XX/2022 XXXX XXXX  Date of Inquiry XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX  account XXXXT # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, # XXXX XXXX XXXX  # XXXX 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 report agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against Chex Systems for violating Section 605 ( c ) of the Fair Credit Reporting Act ( FCRA ), which outlines specific rules concerning the treatment of consumer reports for survivors of XXXX XXXX. Under this provision, survivors of XXXX XXXX are entitled to have negative information related to their XXXX  experiences removed from their credit reports.

Despite my clear request and supporting documentation provided to Chex Systems under FCRA Section 605 ( c ), Chex Systems has failed to comply with federal law by refusing to remove the negative information on my report that stems directly from my XXXX XXXX situation. 

This non-compliance not only violates federal law but also continues to cause harm to my financial well-being by denying me access to basic financial services. Chex Systems failure to adhere to the FCRA is unacceptable and exacerbates the challenges survivors of human trafficking face when attempting to rebuild their lives. 

I respectfully request the CFPB to investigate Chex Systems conduct in this matter and take appropriate enforcement action. Specifically, I urge the CFPB to require Chex Systems to comply with FCRA Section 605 ( c ) by removing the inaccurate and harmful information from my report and to ensure they establish better compliance mechanisms for handling similar requests in the future. 

Please inform me of the actions the CFPB will take regarding this complaint, and if further documentation is needed, I am happy to provide additional materials. 

Thank you for your attention to this matter and for your commitment to ensuring that financial institutions comply with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have these unauthorized fraudulent inquiries removed from my credit report XXXX Inquiry : XXXX XXXX, XXXX  + Department/Variety and Other Retail ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Debt collection

Hi need to remove the debit collection from capital one bank I need to remove the all inquiry they put on my credit report The all wrong information address on my credit report
Product: Credit card

I'm just making sure I have the correct POA on file. My XXXX and POA will be attached.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. I noticed a charge-off on my credit report for a debt of {$5500.00} from Capital One Auto Finance that I do not recognize. The account in question was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. After contacting Capital One, I was informed that this debt is related to a co-signed account. However, I have never co-signed for anyone, and I believe this is a case of fraud. I am requesting that this charge be removed from my credit report under the Fair Credit Reporting Act ( FCRA ). Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company Equifax inc. Has continuously to report fraudulent information on my equifax profile, equifax for months has blocked me out of subscription services that I enrolled in. Equifax has damaged my reputation. By putting the false narrative out there that Im not an eligible candidate for lines of credit, personal loans. And financing wich I have been denied because of the innacurate information the equifax is reporting. Equifax violated my right under being a victim of my data being stolen. Equifax also has violated many federal laws and violations under the FCRA. XXXX have been documenting over the course of 7-8 months of all these violations. Since this been an ongoing matter i will be submitting a fedral complaint with my states attorneys office and hiring legal representation for the damages and defamation equifax inc has caused to my character
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a concerning issue regarding the reporting of my credit history by Equifax. Specifically, I am disputing a medical debt that was charged-off and subsequently sold to another creditor, XXXX XXXX XXXX XXXX XXXX XXXX The account number associated with this debt is # XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), it's essential for credit reporting agencies like Equifax to ensure the accuracy and fairness of the information they report. However, I've discovered that XXXX is inaccurately reporting a charged-off medical debt on my credit report. 

Furthermore, as outlined in 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form with the knowledge that it would create the false belief in a consumer that someone other than the creditor is involved in the collection of the debt. Despite this, XXXX 's actions suggest otherwise, leading to confusion and potential misinterpretation of the debt collection process. 

Additionally, XXXX failed to provide me with an opt-out form, as required by 15 U.S. Code 6802. This omission deprived me of the opportunity to exercise my right to opt out of the information reporting on my credit report, further exacerbating the issue. 

Moreover, the Privacy Act of 1974 explicitly prohibits the sharing of patient information with collection agencies or any third party without proper authorization. XXXX 's disregard for this law has not only compromised my privacy but also infringed upon my rights as a consumer. 

The presence of this medical collection on my credit report has had detrimental effects on my ability to engage in financial transactions, including obtaining mortgages and extensions of credit. It has caused immense stress and difficulty for both me and my family, hindering our ability to operate fairly in commerce. 

In light of these violations and the resulting impact on my financial well-being, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in XXXX 's reporting. I also urge XXXX to comply with all relevant laws and regulations to ensure fair and accurate credit reporting practices are upheld. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to address this issue and ensure a fair resolution. 

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

Upon reviewing my updates, incorrect information was found in my reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : ( XXXX XXXX  XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XXXXXX/XX/2020 XXXXXXXX XXXX  XXXXXX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts has Violated my federally protected Consumer rights to privacy and Confidentiality under 15 USC 1681. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX