23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA un der 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance.  A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account 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 an account without my written instructions I have sent multiple letters and emails ; also called XXXX XXXX and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with this issue.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX **Subject : ** Complaint Against Experian for Inaccurate Credit Reporting **Description of the Issue : ** I am writing to file a complaint against XXXX for reporting XXXXnaccurate information on my credit report related to my OpenSky Capital Bank account XXXX 

**Details : ** - **Credit Reporting Agency : ** Experian - **Account in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit card balance increased from {$0.00} to {$17.00}. This information is factually incorrect. 

The inaccurate reporting of my credit card balance is a violation of the Fair Credit Reporting Act ( FCRA ) and is affecting my ability to obtain credit. 

**Action Requested : ** I request that Experian update/correct the information on my credit report, and provide confirmation of the resolution. Additionally, I seek assurance that this will not affect my credit standing further. 


Thank you for your attention to this matter. I look forward to your prompt response. 

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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT : XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfers

On the evening of XXXX XXXX, I attempted to use MoneyGram to transfer {$50.00} to a relative in upstate New York. After filling in all the required information ( including my credit card # ), I received an e-mail saying " We were unable to process your transaction online. '' I called the customer service number and was told that " security '' had halted the transaction. No further information was available. I was directed to go to a physical location to complete my transfer, which I did this morning. 
The physical location was a phone at a local CVS store. After entering my information, I was switched to a live operator who confirmed that the fee was {$5.00}, but that the ultimate fee could be higher. I asked how that could be and she gave the example that if I decided to wait another day to complete the transaction, the fee could be higher. I said I wanted to complete the transaction now ; would the fee be {$5.00}? She replied that the fee should be {$5.00}, but that they were required to read the disclaimer. I told her that I was willing to proceed, but that if the fee ended up being more than the {$5.00} initially indicated, that I would file a complaint with CFPB. 
A store clerk was needed to complete the transaction, and when XXXX was available, he told me that MoneyGram had n't sent the information to his computer. The MoneyGram operator did n't want to speak with the store clerk, insisting that he should know how to use the system. When I finally handed to phone over to him, the MoneyGram operator had hung up. I was unable to complete the transfer. 
As a final cap to this story, the CVS clerk told me, " They always charge {$10.00}. " I believe that MoneyGram 's practices are deceptive and that their fee disclosure is inadequate. I ask the CFPB to look into what, if it is not consumer fraud, is very close to it.
Product: Mortgage

I applied to movement mortage and spoke to XXXX XXXX over a month ago. I have asked for countless updates on where we stand and have not received any. This is the most unprofessional mortage company Ive ever dealt with.
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 /olated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX  account # 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 me281any consumer report containing any of the following items of information Any other adverse Item of information other than records of convictions of crimes which antedate the report by more than 7 years.

15 U.S.C 1691s-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 information in inaccurate
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is EQUIFAXs to be reporting correct and accurate information on my credit report and file, however they are NOT. XXXX is reporting 2 inaccurate late payments for the EQUIFAX account ending in XXXX. These include two 90 day late payments posted in XX/XX/year> and XX/XX/year>. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year ( 2017 ), I discovered that I had been a victim of identity theft. Despite the numerous amount of times that I had been in contact with the bureaus, they would ocasssionally remove the accounts from my report and re-add them back at a later time, which is a violation of the Consumer Fair Credit Reporting Act. Therefore, I considered filing a lawsuit, which I have yet to execute due to the fact that I now have additional evidence and a couple of incidents that were reported to XXXX XXXX Police Dept. and the FBI. 

I would like to get this this information cleared out of my report immediately because it has drasticallly set me back this entire year, which is now coming to an end. 

Thank you and Happy New Year!
Product: Credit card or prepaid card

A {$100.00} Mastercard Gift Card was purchased for me on XX/XX/XXXX. The card still has the receipt and was still sealed in the package until we found it lost in the back of a drawer. We went online to register the card on XX/XX/XXXX and found it had a {$0.00} balance. According to the back of the card, it was not expired, and even with inactivity fees should still have a balance of around {$75.00}. We called custimer service, where the rep told us that it had been purchased and drained in XXXX - a full year before it was purchased and also registered to a completely different person. They refused to help in any way, other than asking us to Fax a bunch of information to a number where we may or may not get an answer. We do not have a fax available to us, and no one uses fax anymore. This is a ridiculous request, on a card that was clearly compromised before even being purchased. They should stand by their product, and allow us to email a picture of the physical card and receipt proving our information is correct.
Product: Money transfers

On XXXX XXXX, 2015, I, an XXXX year old resident of XXXX XXXX was a victim of a telephone scam in which I was cheated {$1300.00}, which money I forwarded by XXXX, XXXX, XXXX to the XXXX XXXX, reference # XXXXThe call was by a so-called- XXXX of XXXX which prompted me to send the money was that a great nephew of mine was involved in a traffic accident in XXXX XXXX Ga, and neededthe money for bail. Instructions were given precisely go to the XXXX .XXXX and send the money within XXXX hours. I was shocked an confused and wentimmediately to XXXX XXXX and gave the clerk the money. No questions wereasked by the clerk, or questions asked about the money going out of the country. I havesince contacted the XXXX Attorney Generals XXXX to report the scam, and am awaitingtheir reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX {$90.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Debt collection

Was contacted by Law Offices of Mitchell Bluhm on or around XX/XX/2023 about a debt that I supposedly owed XXXX Physician 's group. I asked they send me a letter to verify this debt was mine. They said I would receive it within a month, I did not receive any documents from them. Offered to pay debt in full if they could tell me the physicians name, they refused and claimed they did not have the information. 
Contacted again, XX/XX/2023 ( today ), I told them that I called XXXX and they said I did not have any debts to their organization and I would not speak with them and they would have to contact my lawyer. There is a chance it it just taking them a longer time to verify, but they are not being cooperative and at this point it seems highly likely like a refusal to verify the debt in a timely manner. 

Collection Agent : Law Offices of Mitchell D Bluhm & Associates XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Money transfer, virtual currency, or money service

The bank find all excuses and do not releasing transferring/wire my money for the second year! 
And they keep giving me stupid reasons To keep my money
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 violates 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. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These sections have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

My name was forged on check that was cashed without knowledge or awareness of the check. The funds are suppose to be getting sent to me or the company that wrote the check. However l, the funds are being held and not released.
Product: Debt collection

Re Direct Recovery, XXXX. They were hostile and I don't think I have any unaccounted for debts. 

XX/XX/18 XXXX I got a phone call on my cell phone from XXXX, which I let go to voice mail. The message said that because I did not respond previously that I needed to call XXXX. There were no details. I called XXXX on my work phone around XXXX XXXX. I asked who is this business. He said Direct Recovery, then he said hostilely to look it up on line. I said what is this regarding. He said they were debt collectors. He was very upset that I did not call from my cell phone. He was hostile on the phone ; he was asking for my information. I said before I give it to him I need to know more. He cut the phone call short. 

I do not know what this is regarding. I don't know what I owe that I'm not already paying.
Product: Checking or savings account

On XXXX I renews cd at XXXX XXXX XXXX 
The bank is saying that they are having computer errors that wont update the rate. So they are advertising one rate and setting your existing rate at half of that rate. ( XXXX  XXXX ). I started this process two weeks before and they were trying to right it up at the lower rate and saying they would back date. I went back a week later to see if it was fixed and they wrote up for the correct rate but it still hasnt been corrected in the system. Its still showing that its at half of the XXXX pay rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by a representative at BridgeCrest, that if I made a payment to make the account current .that they would remove the late fees for XXXX & XXXX, I have made several attempts and nothing has ben done, I would like this to be remove off of my credit report.
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, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, 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, 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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This original card was with XXXX I used the card as a purchasing agent to sample goods and then return them. 
XXXX knew this and could verify by looking at my monthy reports. 
I never carried a balance. 
There was an issue with an online company, Reformation, at the end of my cycle who I returned ALL merchandise to and proved this with tracking numbers. 
XXXX was still trying to charge me so I disputed the charge over and over and over and provided extensive documents to support my issue. 
I also am part of a class action lawsuit against XXXX in this respect. 
I owe them nothing. 
This is a XXXX trying to extort money while dinging my credit report
Product: Credit card

I 'm am list as authorized user on a capital one credit card on an account that not in my name but is listed XXXX my credit report