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

This is to inform you that the accounts listed below are reporting erroneously & are inaccurate.The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid as agreed/never late. Please provide me with all verifiable proof. 

XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I disputed an account with all three bureaus. I have attached the initial letters and also the follow up letters for all three bureaus with this one account. In the letters, you will find the dates, amounts, and inconsistencies on the account and across all three bureaus.
Product: Debt collection

I had called credit acceptance and paid off my debt i owe to them, i wanted them to delete it off my credit report but they will not i filled a dispute with XXXX twice its still on my credit report
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX  Account number : XXXX
Product: Checking or savings account

I received a phone call around XXXX XXXX  on the date of XX/XX/2024 from a person identifying themselves as a Chase Bank employee, the same bank I use for my checking account. The person proceeded to tell me that my account had been compromised and that I had {$3000.00} at risk of being stolen from my account within the next 15 minutes unless I provided the account information on my Chase Bank debit card to perform a " reverse wire transfer '' in order to recover " stolen money ''. I was highly skeptical, but because the sophisticated fraudster was able to instantly send me a notification ( not text ) linked to my Chase banking app and managed to hack in as a Chase representative. This notification is the same one that only real Chase representatives are able to access and send to authorize that the customer is actually speaking to a real representative of Chase Bank, After the fraudster gained access to my checking account I noticed that a total of {$3000.00} was stolen from me. It was transferred in XXXX separate transactions, {$500.00} using XXXX and {$2500.00} using a wire transfer. To my shock I found out that I had been scammed out of {$3000.00}. I am still uncertain as to how the fraudster was able to access my Chase checking account without knowledge of my checking account and routing numbers using only my debit card account number. To date Chase Bank has reimbursed my the {$500.00} stolen using XXXX, however they inexplicably have indicated to me that they will not reimburse me my {$2500.00} stolen by the fraudster because he wired transferred this money out of my account. When I reported this incident at my local Chase Bank Branch, the branch manager stated that the fraudster should not be able to access my checking account only based on my debit card information because the debit card is not linked to the checking account information. Based on this it is my contention that Chase Bank is at least partially at fault because of the lax banking security allowing this fraudster to access my checking account through debit card information only. In addition it makes no sense to me why Chase Bank agreed to immediately reimburse me the {$500.00} stolen by the fraudster using XXXX but not the {$2500.00} he stole by way of a wire transfer. I view this a a singular theft of my account and had no control over the method of whow this criminal managed to steal a total of {$3000.00} from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I discovered I was a victim of Identity Theft, and that Fraudulent accounts had been opened in my name.On XX/XX/2018 I notified the three credit bureaus of XXXX, XXXX, and XXXX, I placed a credit freeze and fraud alert on my file, I reported to the FTC along with XXXX   MASTERCARD  among others.XXXX  MASTERCARD  investigators established the account was verified accurate and kept active, and refused to correspond with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in some dispute letters to the credit bureau about a collection dept thats on my report. Its been 30 days and I still havent received any information from the bureau.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of XXXX XXXX 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, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance XXXX - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint in reference to this company CAPITAL ONE AUTO FINANCE knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof of the purchasing agreement? Valid Authorization/proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C42, et esq. I am maintaining a careful record on mu communication with your company. Thank you, I look forward to resolving expeditiously.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. SXX/XX/XXXXrequire the XXXX credit bureaus to validate these accounts (XX/XX/XXXX. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XX/XX/XXXXBalance : {$9700.00} XXXX XXXX XXXX : {$800.00} XX/XX/XXXXXXXX XXXX Balance : {$1800.00} XX/XX/XXXXXXXX Balance : {$0.00}
Product: Debt collection

I was contacted XXXX XXXX Services and told that I owe {$380.00} for a past balance to CashNetUSA. While I do remember doing business with CashNetUSA at one point, the amount of money that I owed on that account was {$110.00} according to my records. I am writing a letter to XXXX XXXX XXXX and disputing this amount. I am also placing a complaint with the CFPB because I know that CashNetUSA was involved in Payday Loan Scams. I believe that this is one such scam and I am reporting this issue.
Product: Credit reporting or other personal consumer reports

I currently ran my XXXX credit reports XX/XX/year> and noticed someone has been using my information. I am devistated to find out i have unauthorized inquiries and accounts that do not belong to me, As i now become more aware of the importancy of credit I need someone to please help me resolve this problem Please see attached files. 

COLLECTIONS- 15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 


I saw the adresses linked to those accounts and I have never lived there.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Mortgage

I paid off my mortgage on XX/XX/2019. The company said they issued a check on XX/XX/2019. I have called repeatedly to no avail. They said if I want a new check i would have to wait an additional 30 days. According to their website this is not a one time occurrence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Original Account was with XXXX. Based on the statute of limitations in WA state the collection agency shouldn't be reporting on my credit on this debt. I have already been impacted by my credit from 2013 for 6 years. This is caused me to have high-interest rates and now that it dropped off my credit this collection agency is reporting. They also contacted me and left a message without leaving the details of my account. 

JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 30 - 60 days past due on XXXX partial account number ****XXXX. ( Please see page 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Money transfer, virtual currency, or money service

I tried to do 2 wire transfers from my XXXX  XXXX XXXX account to my Gemini account to buy bitcoin. These are all legitimate funds that I made investing in stocks and crypto over the past several years. I broke it up into 2 transfers because XXXX XXXX XXXX XXXX online system had often in recent history not allowed me to do transfers over a certain amount. For some reason, Gemini rejected both transfers. The transfers were made on XX/XX/21. One was for {$900000.00} the other was for {$950000.00}. The {$900000.00} rejected transfer was properly credited back to my XXXX XXXX XXXXXXXX account on XX/XX/21. I have not received the rejected {$950000.00} wire transfer back in my XXXX XXXX XXXX account ( and it isn't in my Gemini account either ). 

Gemini literally has no support - no way to reach them. I've contacted them through messages on XXXX  and email over the last week with zero response. XXXX XXXX  XXXX has very little support as well, although they did at least respond to my XXXX message saying they are looking into it. 

I am worried sick ( literally ) about the whereabouts of my {$950000.00} transfer. Thanks.
Product: Debt collection

Consumer has a right to privacy. XXXX XXXX XXXX, recently began contacting the consumer after " purchasing an alleged debt '' that consumer allegedly owed to TD BANK, NA. The debt collection agency was informed to cease and desist contacting Consumer. XXXX XXXX XXXX  received notice to cease and desist on XX/XX/2024 via certified USPS MAIL. Once previous contract with TD BANK, NA was severed which is the Consumer 's personal non-public information, any alleged contract became null and void. XXXX XXXX XXXX also accessed Consumer 's credit report without their written consent, authorization and/or permission which is a violation of the FCRA and FDCPA. XXXX XXXX XXXX  since accessing consumer 's personal information, should have been notified that TD BANK NA submitted cancellation of debt to the IRS, therefore any alleged debt has been discharged and forgiven. Consumer has suspicion of these two companies committing TAX, SECURITIES AND TRUST FRAUD, therefore Consumer will be submitting FORM 211 INFORMATION REFERRAL AND FORM 3949 TO THE IRS for any account held in consumers name and social security number with TD BANK, NA AND XXXX XXXX XXXX. CONSUMER HAS NO CONTRACT OR BUSINESS WITH TD BANK, NA. NOR XXXX XXXX XXXX  NOR ANY OF THEIR AFFILIATES. The FCRA, in 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), allows a consumer to recover any actual damages sustained by the consumer as a result of the [ violation ] or damages of not less than {$100.00} and not more than {$1000.00}. TD BANK, NA IS IN VIOLATION OF THE FCRA 15 USC 1681 FOR ADVERTISING AND SELLING CONSUEMR 'S PERSONAL NON PUBLIC INFORMATION. XXXX XXXX XXXX  IS IN VIOLATION OF THE FDCPA 15 USC 1692 A Consumer 's Right to Privacy. CONSUMER HAS COPY OF XXXX REPORT SHOWING THE DEBT COLLECTOR ACCESSING THEIR CREDIT REPORT WITHOUT CONSUMERS WRITTEN CONSENT. CONSUMER HAS PREVIOSULY OPTED OUT OF ANY PROMOTIONAL SHARING OR SELLING OF THEIR INFORMATION AND XXXXXXXX XXXX XXXX  HAS NO PERMISSABLE PURPISE TO ACCESS THIS CONSUMERS INFORMATION AND THEY AHVE BEEN NOTIFIED TO CEASE AND DESIST CONTACTING CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear : CFPB I would like for someone to investigate my account that's listed below as it not reported correctly on my Equifax report. I've sent out 5 letters over the past 7 months signed signature notified by letter. Fighting trying to get inaccurate information disputes off my credit report. I spoke to this Credit Bureau goes by the name XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  on multiple Occasions asking for them to validate proof of images and accurate information for me yet and still, they refused to show proof of the information I requested. The matter is regarded in an apartment complex Ive lived in 5 years ago. I stayed until the end of my lease term I was paying the market rate at the time. Still, yet dont understand why this on my report its stopping me from moving on with my life. The amount that claimed I owe is XXXX $ its been on my report since XXXX XXXX its been 4 years & 5 months here is the information, I found from the company IM ASKING FOR THIS TO BE DISPUTED FROM MY EQUIFAX CREDIT ACCOUNT. 

( XXXX XXXX XXXX  ) XXXX  XXXX  /XXXX   XXXX  CREDITOR THE AMOUNT thats claimed XXXX
Product: Money transfer, virtual currency, or money service

I am buying a complaint against Cash app ( block , inc ) due to inadequate customer service and unfair services, which violates the consumer protection act ( CFPA ) specifically, cash app failed to take timely and efficiently measures to prevent address fraud on there platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with air resolution requirements under electronic fund transfer act ( efta ) and regulation E. these actions have caused significant inconvenience. and a financial loss. And I seek appropriate redress for these violations
Product: Credit card or prepaid card

I had gotten behind on my payments and they offered me XXXX options for repaying. The first option was I close the card and have a XXXX % interest rate adn set up payments I could afford to repay. 
The second option was to have a reduced interest rate for 18 months, I picked a payment I could afford and they would suspend my card but leave open, after 6 months of consistent, on time payments they would remove the suspension. 
I chose option XXXX as I wanted to keep the card. After making about 13 months of payments on time I learned that they had closed my card prior to me choosing the plan and it therefore should not have been an option. By offering it to me the company committed Fraud in that it took money from me that I would not have owed if they would have only offered me the first option. 
After making the 18 months of payments I stopped paying the company because of their unfair practices. They have now filed a lawsuit against me for the balance.
Product: Credit reporting

I am filing this complaint because Equifax has ignored to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and can not verify this account, under section XXXX ( XXXX ) ( A ) of the XXXX they are required to " ... promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Debt collection

Received a collections notice from an agency called American Coradius International LLC ( XXXX ) for payment of {$160.00} to XXXX XXXX XXXX creditor, reference # XXXX. There is activity against my account dating back to XX/XX/2023 that I have no idea what the transactions are nor do I have a business account to conduct such transactions. Majority of the transactions are listed as fee, reversal, to individuals I have no relationship ( professional or personal ). I have never sold anything on my XXXX account. 

I have asked XXXX to correct this against my account, delete my account, and remove my PII from their systems as well as their 3rd Party Suppliers.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2020 I submitted dispute letters prepared by my Paralegal according to the Fair Credit Reporting Act and requested in the letters the names of the individuals at XXXX  XXXX XXXX and Equifax to provide me with the information that they used to verify the accuracy of the disputed items published on my credit reports. I requested credit applications used to open these disputed accounts reported on my credit report is truly me. These Bureaus publish information taken from any creditor without first validation of the accuracy of the information published and have been doing this for years in violation of the FCRA and getting away with it just like police officers and their XXXX acts. I requested copies of updated credit reports, names if the individuals who verified these accounts application used to open the accounts and any pertinent information they claim identifies me as the individual who opened these accounts. We have a non profit group of individuals who are preparing the same letters to combat the frivolous fraudulent information published on individuals credit reports unverified for monetary gain from the credit bureaus. We are going public on the radio announcing what the credit bureaus are doing and offering FREE service to assist in disputing wrongful information on XXXX XXXX  credit reports with the intention of bringing a class action lawsuit against these agencies.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries nor do I recognize them. Theres an error in my credit report which is a defamation of character and Im asking that these inquires be removed. XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Pursuant to 18 usc 8 I owe no debt, these companies are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 these companies had no permission to report anything using my info pursuant to 15 usc 1681 4.