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

I am XXXX XXXX and am personally handling this complaint with no third-party involvement. Ive included letters that explain in detail the discrepancies on my credit report. There are inaccuracies and inconsistent dates reported across Transunion, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$1800.00}
Product: Mortgage

why is my home loan not showing up on my account? 
where is my irs mortgage interest statement? 
how much were my taxes and when were they paid? 
when did my impound account increase and I was n't notified by letter? 
I have not received forms for the IRS yet and it 's XX/XX/XXXX? 
I need to get my income taxes completed ... ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed this information in regards to this information is not accurate as well as ask for proper documentation under fair credit act section 623 ( 1A ) B-i ( ii ) 3 as well as section 609 ( A ) 1sec611-2A1 ( 2B and I have not gotten any solid from My request that this account has basically been open with just a electronic response in which I was not responsible for.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following negative accounts on my credit report. 

Equifax : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account XXXX : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/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 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 actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Even perfect, true, correct reporting REQUIRES PHYSICALLY VERIFIABLE PROOF of ABSOLUTELY CERTIFIED COMPLIANT REPORTING. Transunion is reporting, without adequate legal standing or in full accordance with the credit regulation compliance standard and laws. 

Per FCRA laws and CDIA enacted XXXX XXXX formatted reporting all allegations of data must be CERTIFIED as testimonial in full and refutable truth, accuracy, completeness, timeliness, ownership responsibility and elsewise undoubted compliance.
Product: Credit reporting or other personal consumer reports

All My Payments for XXXX was held in a XXXX account that was frozen due to a XXXX XXXX lawsuit. 
Caused my mortgage to be late in XXXX refusal all payments to keep up to date. 
they stated the want the previous payments before current payments even when ive provide the current company proof of payments. 
I was told it was nothing that could be done because of the issue. 
Outstanding balance of {$6000.00} I want to pay and stay in my place without any more issues.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
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. 

Account Name : XXXX account # XXXX  XXXX ________________________ Account Name : XXXX XXXX Account number # XXXX  XXXX ________________________ Account Name : XXXX  XXXX Account number # 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: Checking or savings account

On XX/XX/XXXX, I called Cash App customer service to provide them with the transaction and retrieval ID number to find out where is my funds for XXXX both banks has did anything to fix the issue of receiving my funds it's been over 4 months and I haven't received anything from XXXX Bank or Cash App. I don't know who is lying or telling the truth about where is my funds. This has been a very disturbing experience for me. I will appreciate it if both companies really research on my funds and send my money to my address on file. They both are not corporating with me to find my missing funds. This is very upsetting to me concerning my missing funds.
Product: Credit card or prepaid card

This is regarding a complaint I have submitted before this XXXX and this is the complaint ID : XXXX I was told that the company which is Wells Fargo XXXX XXXX working to resolve my issue which is absolutely not true. 

Wells Fargo representative called and told me that they cant see to fix or help with my case and he hang out immediately not letting me explain or even see whats going on. 

My issue was back in XX/XX/2022 my parents bought me an XXXX  and XXXX  XXXX from XXXX XXXX and charge was XXXX total and they used my caro to do so. At the same month I returned the items because I didn't like them and I wanted to use the money to treat mom and dad for vecation. Mom returned my items and XXXX XXXX employees told her you should get your money with in couple of days. It was on Friday so weekend make it take longer than usual. Couple of days passed and still I havnt received my money. 
Contacted XXXX XXXX and told me oh there was an error, please contact your bank and see what's going on. I contacted wells. Wells Fargo messed my accounts, first they did it under fraud. Then they changed it a month later to dispute then back to fraud then back to dispute. It's been XXXX  months and I got a letter saying my dispute is denied. I been a customer for over 20 years. 
Never ever had a bad experience like this. I want my money back and I don't know what to do. 
Wells Fargo not helping, XXXX XXXX saying contact your bank and my bank telling me to contact XXXX XXXX Please help me out
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under that Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts that appear on my credit report are not mine, they were not authorized, please review Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

I wrote a check to someone to haul off some brush. I did not personally know this person, found him through an online service. I wrote the check on XX/XX/21 and it cleared my bank on XX/XX/21. That person deposited the check electronically in his credit union, XXXX XXXX XXXX. In XXXX, he took the paper check to Ace Cash Express and cashed it again. My credit union rejected the second attempt to cash the check. Ace Cash Express sent me a letter on XX/XX/21 and is now holding me responsible for the fraud committed by the person who cashed the check twice. They have flagged my checking account through their check cashing processor and said that I have committed fraud and have to pay the amount of the check plus fees to remove the flag from my account. I have proof that the check cleared my account on XX/XX/21. Ace Cash Express says ... .too bad ... pay it or youre screwed until you do! 
The person I wrote the check to did not indicate on the back of the check that it was deposited electronically and yet his credit union accepted it and sent it on to my credit union, he then cashed the paper check at Ace Cash Express. If Ace Cash Express wants to recoup their money, they should be harassing the credit unions involved. I am the only innocent bystander in this scenario and Im the one with my life being screwed up! 
Help!
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent account on my consumer report. I request an reinvestigation and permanent removal of the inaccurate account in accordance with the Fair Credit Reporting Act ( FCRA ) section 611. I'm also requesting verifiable proof, a contract with my signature accurately showing this account belongs to me and how it was verified and immediately remove this inaccurate account from my consumer report due to violation of my consumer rights under 15 U.S.C 1681a. 

-XXXX XXXX XXXX XXXX : Account Number : XXXX I am also disputing several unauthorized inquiries that appear on my credit report as a result of identity theft. These inquiries were made without my knowledge or consent and are causing significant harm to my credit profile. In accordance with Section 604 of the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into the following unauthorized inquiries and their removal from my credit report : 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

XXXX XXXX XXXX XXXX These accounts is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the accounts itself that is grounds for immediate deletion. I will also list the credit laws in which these accounts goes against with the FCRA.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX  today and they told me that they dont need proof or my signature or any documents to report negative or any inaccuracies. Pursuant to 15 USC 1681 and Title 15 chapter 94 XXXX, Transunion and XXXX are in violation of my rights and my privacy. I did not give any of these reporting agencies any permissions at all. I feel violated and stripped of my rights.
Product: Debt collection

To Whom It May Concern : I was the victim of a car accident XX/XX/XXXX and I kept receiving the same bills regarding my visit to the XXXX XXXX XXXX ( XXXX ). I wanted to wait until the settlement was complete before I paid it off. I also wanted to make sure no new bill were or would be issued before settling the person 's insurance. Therefore, my XXXX bills were understandably taken to collections ( AllianceOne ), but I explained to them the situation and I paid off all the bill regarding my XXXX bills by XX/XX/XXXX to the collection agency on behalf of XXXX XXXX XXXX. I confirmed by phone multiple time ( XXXX times ) with the hospital that my account had been XXXX out. My attorney also confirmed that these were the only bill that I had or will have regarding this incident. On XX/XX/XXXX I received a call from AllianceOne trying to collect a bill from that I have never was issued. They said they received this bill on XX/XX/XXXX ; almost 1.5 years after my accident. And after my attorney and I had taken measures to make sure all my bills pertaining to the incident were resolved. I tried to dispute this bill with XXXX XXXX XXXX, so they took it out of collections, but they never resolved it. I was consistently corresponding to them for about 1.5 months. I even had my attorney tell them that we had asked for all the bills pertaining to the incident. They stopped corresponding to me for about 1.5 months. On XX/XX/XXXX this started up again. This time I asked for a " verification notice, '' detailing terms in which the clients has asked. I have not received any such letters. I has been over 5 business days. I also got a " print screen '' version of my " new bill '' which they claim I have been receiving since last year, but there would be no reason for me to not receive these bills if I had been receiving the other bills before. I have been trying to file dispute with XXXX XXXX XXXX again as there are items which are duplicated including items that I have already paid for and new items for treatment I did not receive. The patient billing manager refuses to try to respond to my requests. I tried to schedule an appointment with her, but there has been no response. I have filed a compliant with the hospital online and in-person, but have not received a response.
Product: Credit reporting or other personal consumer reports

I had identity theft committed by an ex partner and sent proof text messages and screenshots. My ex partner opened up a utility bill in my name after I wa ski longer living there. I filled a dispute with experian and they said the collection shall remain. THIS IS IDENTITIY THEFT. They did not do a thorough research and are not abiding by state regulatory laws. 

Experian XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX Remains The company that reported the
Product: Checking or savings account

When Capital One acquired XXXX years ago, I was never informed that I would no longer be in a high yield interest account. They placed me in a capital one 360 account vs a Capital One 360 Performance account. The difference interest rates is currently 3 %. I feel like this is a very deceptive practice and I will be closing all of my Capital One accounts. 

Please see this article - exact same situation appears to have occurred to many others. 

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

XXXX XXXX XXXX has been reporting my mortgage payments as being 30, 60, 90, 120 days past due. This is incorrect, I have not missed a payment in years. Ive contacted XXXX XXXX XXXX  multiple times regarding this and have been told I would be given a call back to solve this issue and no return call has been received. I have then filed a dispute to the credit bureau XXXX XXXX and Equifax and neither of them have fixed the issue.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain fraudulent accounts that are currently present on my credit report. I have identified these accounts as fraudulent, and I kindly request that you investigate the matter and take appropriate action to remove them from my credit history. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I would appreciate your prompt response to this matter, acknowledging the receipt of this letter and providing an estimated timeframe for the completion of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary : Equifax is deceptively phishing people into waiving the right to participate in class action lawsuits. They 're doing this by setting up sites like https : //trustedidpremier.com/, that ask for PII ( last 6 of social and last name, which can be used to derive entire SSN ) without explaining that entering the information means you agree to the Terms of Use, which includes waiving the right to class action lawsuits. And after a hack that exposed close to 50 % of the US population, it 's a bait-and-switch designed to cover their interests instead of the people who info they exposed. 


Long Form : EquiFax got hacked in XXXX, and 3 managers sold {$1.00} million USD in stock between the time of the hack and when the details were announced ( XXXX ). 

Equifax touts itself as a credit authority, forcefully storing my private data, including my full SSN, addresses, accounts open/closed/loans, full name, and other facets of my identity. Apparently they participated in painfully lackluster Operational Security between sites, leading to a breach that affected about 1 in every 2 adults in the United States.
All that aside, they 're probably going to walk with a slight fine, and they 're still going to have access to my information.
They 're pushing sites like https : //trustedidpremier.com/ to " check to see if you 're affected '', but do not tell people : ( 1 ) Checking to see if their private information was exposed when their systems got hacked means they automatically agree to their Terms of Use, containing a clause that waives your right to class action lawsuits.
2 ) They still need to wait a week and physically see if the company whose poor security threatens your credit threw you under the bus. No automated emails, I have to manually go onto their website next week. 

For something that is completely out of consumers ' control, why do people have to go out of their way to mitigate their exposure to the mistakes of a " credit authority ''? I get it, I work in XXXX, and the User Agreement/ToU helps catch bad guys and things like that, but for something that will very likely lead to a class action lawsuit, it 's a deceptive practice to create a website that claims to check whether or not their main business exposed PII to hackers, but instead allows for them to have a list of everyone who waived the right to participate in the all-but-inevitable class action lawsuit. 

Since XXXX is a " company of EquiFax '', one is led to believe : 1. The time between the hack and the announcement was filled setting up XXXX as a corporate phishing attempt to get a list of people who " volunteer '' for ID theft mitigation at the cost of participating in a class action lawsuit. Mind you, I can freeze my credit outside of Equifax, so their service is not only redundant, but anti-consumer. 

2. They still intend to passively accept and store people 's PII as though whatever attack vector has n't been exposed. 

They also lied ; they said that people 's SSNs were n't exposed, but other reports indicate that they were