23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XX/XX/year> Equifax XXXX Department XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute of Accounts Due to 2025 Equifax Data Breach To Whom It May Concern : I am writing to formally dispute the following accounts listed on my credit report as a result of fraudulent activity tied to the 2025 Equifax data breach. These accounts were not opened by me, nor have I authorized their use or any associated transactions : 1. XXXX XXXX Account # XXXX 2. XXXX XXXX Account # XXXX 3. XXXX XXXX Account # XXXX 4. XXXX XXXX XXXX Account # XXXX 5. XXXX Bank Account # XXXX These accounts are inaccurate, and I request that they be investigated and removed from my credit file. I have attached supporting documentation to validate my dispute, including : A copy of my government-issued ID ( e.g., drivers license or passport ) Proof of address ( e.g., utility bill or bank statement ) A copy of my credit report with the accounts in question highlighted FTC identity theft report ] In light of the Equifax data breach and its potential impact on my personal information, I believe these accounts were created fraudulently. Please conduct a thorough investigation and provide written confirmation once these accounts have been resolved and removed from my report. 

You can contact me at ( XXXX or XXXX is additional information or documentation is needed to process this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfers

I send XXXX dollars to XXXX to my brother-in-law in his bank account ( XXXX XXXX ) on XXXX/XXXX/2016 but money is still not deposited into account.
Product: Money transfer, virtual currency, or money service

At times, I received emails and app notification from Dave 's Bank that I am eligible to obtain cash advance, By the time I logged into the company App, I find out that I am not eligible for any cash advance and Dave can not accept any verification. I emailed recently to customer service and they stated that Dave migrated into a new system and the new system couldn't verify who I am. Therefore, there was nothing anybody can do. In the past, I was eligible to receive Cash Advances from Dave but in 2023 I was stopped from being able to obtain cash advances from Dave. I never received any notification from Dave indicating that they would be stopping me from getting any ExtraCash.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to follow up the previous CFPB Complaint I submitted on XX/XX/XXXX. I previously requested that the Credit Bureaus remove the disputed accounts that are reporting on my Credit File as soon as possible. Once again, I was a victim of identity theft and the Accounts I am disputing were the results of such crime. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information from my Credit File. Also, the Credit Bureaus have not yet sent me copies of documents I seek such as the Proof of verification or proof of ownership or any documents bearing my signature. If the Credit Bureaus are not able to remove the disputed accounts on my next Credit Report update without sending me copies of documents I seek, please understand I will initiate legal countermeasures. Once again, please remove the following accounts completely from my Credit File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I've been getting the run around. My credit card statement generated on XX/XX/XXXX. 
The credit report should have been updated the following business day XX/XX/XXXX to reflect my new credit card balance. My credit card is paid down close to zero balance, but it has yet to be updated. When I contacted XXXX, they advised that the report was updated on XX/XX/XXXX. This  isn't accurate. 

When I contacted XXXX XXXX, they advised to contact XXXX. I'm in the process of buying a home and the maxed out credit card status is preventing me from doing so.
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 15 USC 1681. 

XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX  : # 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 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: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C & 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C & & 5536 ( a ) ( 1 ) ( A ) ( -B ) .as highlighted in the CFPB 'S recent administrative proceeding ( file noXXXX ) against them for similar violations .I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation These are the Account that are inaccurate 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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E. Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX  . My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX,TN XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX  XX/XX/XXXX
XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX
XXXX XXXX XXXX XXXX, TN XXXXXX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX. Please remove the following  numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following account is not mines:XXXX #XXXX****
Product: Money transfers

On XXXX/XXXX/15 I sent a " MoneyGram '' transfer, I then cancelled the transfer a few hours later. I called MoneyGram to find out how long it would take to see the money back in my checking account and was told XXXX days. I have called them back 3 times since then and each time I call I am transferred at least XXXX times and promised I would see the money in a few days each time. It has now been XXXX days since the transaction was made. Their website states they issue refunds in XXXX business days. I called again today and after being transferred XXXX times and on the phone for an hour and a half and I was told to wait an additional XXXX days. No one there wants to help, no one knows why it is taking so long and everyone says to wait a few days just to get us off the phone. Can you please help me in receiving my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the inquiries referenced below and demanding verifiable proof bearing my signature/electronic signature. The Credit Bureaus never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. These actions were initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires the Credit Bureaus to follow up and investigate the inquiries in question or delete them. The Credit Bureaus never authorized such actions, which constitutes a violation of my rights under the Fair Credit Reporting Act sec 604, as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrences or remove them immediately for non-compliance. Under the laws of the FCRA, Equifax and XXXX are required to follow up with the creditor. The listed inquiries were not authorized for any permissible business purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Product: Debt collection

In XX/XX/XXXX of 2017 I moved out of a condo at, due to XXXX XXXX XXXX not resolving issues of black mold in my unit and not fixing my A/C unit for 1 month and a half which conditions were not safe for me as I already have major health issues. Also found out their was a water leak in my unit that damaged condo below me. I contacted Code Enforcement, they came out fix up things a little but did not further investigate black mold issues, not having A/C made it worse. I wrote a 7 day notice letter to them explaining I am moving because they breach contract agreement. I moved out on XX/XX/2017. XXXX XXXX XXXX still did not chose to fix issues. Instead they over charged me for wall damage and blinds that was broken by XXXX XXXX company and overcharged me to paint walls and a fee to replace a tenant in unit. I found out later they have put these charges against my credit which I didn't receive any letter to dispute. Also found out This company has done many other consumers the same way and they also had similar issues.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed BBY/CBNA XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed NSTAR/COOPER XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150000.00} XXXX XXXX THD/CBNA XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} XXXX AM XXXX FIN XXXX Date Opened : XX/XX/XXXX Balance Owed : {$42000.00} - Open
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not applied for anything and there was this inquiry for today on XX/XX/2021 and wanting to dispute it please and thank you i would greatly appreciate it the inquiry in under Credco
Product: Credit reporting or other personal consumer reports

I have been a customer of XXXX XXXX XXXX  since XXXX, I love that they have given me a second chance to reestablish my credit so that I can obtain employment, housing and a new vehicle someday. However, I was terminated from multiple employers between XXXX to XX/XX/XXXX which left me without income to pay my bills or anything else ; I have NO ONE TO RELY ON due to being disowned by family and what I thought were friends. In addition, I was evicted from my place of residence because I got too behind on my rent leaving me homeless since XXXXXXXX XXXX XXXXXXXX, I have NOT BEEN ABLE to get employment or anything BECAUSE of the late payments placed on my credit reports and I HAVE WRITTEN TO THECEO ALONG WITH UPPER MANAGEMENT TO RESOLVETHIS ISSUE. THEY CLAIM TO UNDERSTAND MY SITUATION, HOWEVER THEY HAVE DONE NOTHING ANDRENEGAGED ON THEIR PROMISES TO HELP ME OUT!!! IHAVE WORKED SINCE THE AGE OF XXXX DESPITE MYCIRCUMSTANCES AND NOW I AM UNABLE TO WORK DUETO THE XXXX THIS SITUATION WITH XXXX XXXX XXXXALONG WITH MY OTHER CREDITORS HAVE CAUSED ME. IAM CURRENTLY HOMELESS AS MENTIONED WITHNOTHING TO SHOW FOR IT, I AM ON SEVERALMEDICATIONS THAT I TAKE TO REMEDY MY XXXX  ISSUES BUT I AM STILL UNABLE TO WORK, IHAVE APPLIED FOR ALL ASSISTANCE TO EVERYCAPACITY HAVING BEEN TURNED DOWN BY EVERYONEAS MY SITUATION IS MORE ADVANCED THAN THEY CAN HANDLE AND I AM ASKING FOR THEM TO REMOVE ALLOF THE LATE PAYMENTS ON MY ACCOUNTS ALONGWITH REIMBURSEMENT OF {$480.00} IN LATE FEES TOBOTH OF MY ACCOUNTS AND PAYMENT OF {$140000.00} IN LOST WAGES DUE TO NOT BEEN ABLE TO WORK ORANYTHING. IF THIS DOES NOT GET RESOLVED WITHIN 30DAYS, I WILL FILE A LAWSUIT AGAINST THIS COMPANYALONG WITH AN ADDITIONAL PAYMENT OF {$30000.00} IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Dear Consumer Protection Bureau, I am writing to bring to your attention a matter concerning Experian 's, XXXX 's, and XXXX 's handling of my personal identifiable information on my consumer credit report. Despite my explicit request, Experian, XXXX, and XXXX have failed to honor my request for the deletion of all personal identifiable information from my consumer credit report, with the exception of the following : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Consumer reporting agencies, including Experian, XXXX, and XXXX , are bound by law to exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy, as stated in 15 USC 1681 ( a ) ( 4 ). By failing to grant my request, Experian is in direct violation of 15 USC 1681 and all its subsections, which protect my privacy as a federally protected consumer. 

I base my request for the deletion of my personal identifiable information on the following provisions : 15 U.S.C. 1681 section 602A, which grants me the right to privacy. 

15 U.S.C. 1681 section 604A Section 2, which prohibits a consumer reporting agency from furnishing an account without my written instructions. 

15 USC 1681 ( a ) ( 4 ), which emphasizes the need for consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

15 U.S.C. 1681c ( a ) ( 5 ), which limits the reporting of adverse information to items that antedate the report by more than seven years, excluding records of convictions of crimes. 

I respectfully request that you instruct Experian, XXXX, and XXXX to honor my request for the deletion of all personal identifiable information from my consumer credit report, as per my rights under the Fair Credit Reporting Act and related statutes. 

Thank you for your attention to this matter. 

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

XX/XX/XXXX I wrote both the XXXX Credit Bureau and Bank of America stating that I have never had a credit Card Card from Bank of America, yet my file showed a charge-off on it. I requested a copy of the original application and any charge slip that showed my signature on it for charges made. Since that time I have received nothing but form letters that do not directly answer my needs or questions. 
First response XX/XX/XXXX : XXXX says they checked with Bank of America and their records are correct. 
My ReplyXX/XX/XXXX letter to both requesting copies of related charges. 
BOA reply XX/XX/XXXX : or records indicate we are reporting correctly my response to bothXX/XX/XXXX : letter stating no one is responding to my SPECIFIC requests for information. Only getting form letters. 
XX/XX/XXXX XXXX sent exact same information that sent XX/XX/XXXX my responseXX/XX/XXXX returned letters to both requesting that they read my letter and respond to same my not sending form letter. 
XX/XX/XXXX form letter from XXXX XX/XX/XXXX BOA form letter saying the consider matter closed because they could not investigate it?????? 
XX/XX/XXXX I respond to both giving specific requests and copies of all correspondence. 
XX/XX/XXXX received responses from both this time BOA wants complete account number for and account that I have claimed for 5 months that I do not have! 
XX/XX/XXXX I respond giving all of the information I have and restating send me all the information you have. I need copy of something I signed. 
XX/XX/XXXX received response ( form letters ) from both. XXXX same as before we have contacted BOA and their records are correct. BOA form letter says they checked their records and are reporting correctly.

As you can see for nearly six months I have been getting no personal responses to my questions. It appears that both are only willing to send form letters and not investigate anything. How is one to get through to them that there may be a problem of some type and that mearly looking at the original application or, XXXX forbid, that is not available, at least look at the relevant charge slips to identify signature and name? 

Neither of these organizations have complied with the Fair Credit Reporting Act or the Fair Debt Collections Protection Act they have simply skirted the issue by trying to drown me in a ton of form letters.
Product: Mortgage

Newrez c/o Shellpoint Mortgage Servicing bought our mortgage loan recently. As part of our monthly mortgage payment, we pay Escrow ( to include taxes ). We have paid our bill in full, every month to include escrow in the amount of {$530.00} ; and have paid our Escrow monthly. We received a notice from XXXX XXXX Treasurer of a Past Due Notice of Real Property Taxes, that our taxes are past due, so much so that we have been assessed a penalty and the amount of {$1300.00} is due " Immediately ''. Upon talking to the tax representative of the company on my phone call, XXXX XXXX, he researched and concluded that the tax bill had not been paid to date, and offered to pay the amount in approximately " 15 days ''. This is unacceptable, as the escrow fees have been paid in advance monthly, and the tax payment is overdue currently. After XXXX put me on hold, he return to inform me that the bill could be paid in 5 days, this is also unacceptable, as I informed XXXX that it could very well affect my credit score and that a lien could be placed over my home. XXXX said that was the best that he could do was a payment in approximately 5 days. I asked to speak to a manager, supervisor or someone in charge. After a few minute, XXXX XXXX returned on the phone and informed me that there was not a supervisor available and that I could expect a call in XXXX hours. I informed XXXX XXXX that this was not acceptable and asked to speak to anyone in authority. Again XXXX informed me that a manager would contact me within XXXX hours. XXXX would not provide the name of the manager on duty, nor any other identifying information other than XXXX XXXX XXXX was informed that I would readily contact the regulating authorities as to my strong displeasure as to how they are not servicing my tax portion of my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has two different credit files on me is my guess. From month to month they keep switching the files. My score or report is never updated or correct. I have tried to call and explain this to Equifax and I can never get anyone to help or fix this issue.
Product: Debt collection

On XX/XX/2021 I discovered an unknown third-party " medical '' collection account being reported on my credit reports by Commonwealth Financial Systems . Inc. I immediately notified Commonwealth that I disputed this collection account and demanded that they validate and verify this account. Additionally, I demanded they immediately stop reporting this disputed third-party debt. 

On XX/XX/2021 Commonwealth once again reported this disputed third-party debt in violation of FDCPA. 

On XX/XX/2021 I've provided written notice of my intent to file a small claims lawsuit against Commonwealth pursuant to my rights under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud XXXX  account on Experian credit report
Product: Credit reporting or other personal consumer reports

Hello. There are two inquiries in my XXXX profile that doesnt belong to me or any product that I have. 


Inquiry information : Bank of America. XX/XX/2023 XXXX XXXX bank, XXXX XXXX I dont recognize those inquires