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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally submit a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion. I recently reviewed my credit report and noticed that my positive XXXX XXXX account with XXXX XXXX XXXX has been deleted from my TransUnion credit report. This account is accurately reporting to XXXX, XXXX. 

After contacting XXXX XXXX XXXX customer service, ( XX/XX/year> they informed that they reported to all three credit bureaus XXXX, XXXX, Transunion every month. However, Tranunion has failed to accurately reflect this information that they deleted from my credit report. 

Furthermore, TransUnion has violated 15 U.S.C. 1681 ( a ), which pertains to the accuracy and fairness of reporting. I did not provide Transunion with oral or written consent to pull my credit report, and this action has adversely affected my credit history by shortening it, this account needs to be put back on my credit report. 

I kindly request that the CFPB intervene and compel XXXX to restore my XXXX XXXX account to my credit report. Thank you for your attention to this matter. 

Sincerely,
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 24 financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Your response to my inquiry further demonstrates the incompetencies of your company. There was an investigation done over a year ago and your company has failed to provide me with the details of how the determination was made. I requested a re investigation this year and again, your company has failed to provide me with how this claim was processed. This is my last and final attempt to resolve this manner prior to litigation. Your company has failed to properly investigate the fraud claim which is quite evident from your response.
Product: Mortgage

We have a reverse mortgage on our home with Live Well reverse mortgage company with only my wifes name. Weve been married over 49 years. My wife past away XX/XX/XXXX. I am the non borrower spouse. I contacted the mortgage company and they sent me the needed paperwork. I immediately sent them everything by fax. They continue to tell me they didnt Receive the paperwork or only received a partial. I resent them the missing paperwork several times. I even emailed it to them and have confirmation. 
I contacted them on XX/XX/XXXX for status. 
They informed me that I missed the deadline of XX/XX/XXXX, when in fact I had sent them all the documents. 
They gave me options. 1. Sell the property. 2. Let foreclose or give them the deed. The appraised value is {$420000.00} and the balanced owed is {$60000.00}. 
Why would I let it foreclose. 
I feel that the dropped the ball and I should not be penalized. 

Ive lived at the property with my wife for over 22 years. 
They wont listen to me. I have all the paperwork they requested. I need someone to step in. 
Thank you
Product: Credit reporting or other personal consumer reports

These XXXX cases are currently in legal litigation/court, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in the amounts of XXXX XXXX XXXX XXXX and XXXX $ I have attached ftc report and information about the accounts attached I have also police report of identity theft with XXXX police department XXXX NC I ask that these accounts be removed immediately and fix my credit profile to reflect its correct status due to consumer financial laws
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX The address and only address listed on my report Transunion Report and please contact them. 

XXXX XXXX XXXX XXXX, OH XXXX The account listed below and inquiries are illegal and needs to be removed asap. I am not identified what so ever with this nor any fraudulent accounts tied to my credit profile. I have been in the process of repairing and fixing my credit report and this is the last illegal account attached along with said inquiries. Please remove this last illegal account asap Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$150.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

I have initiated a wire transfer on XX/XX/2014 from my savings account at Wells Fargo Bank ( XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) to my father 's account in XXXX, it has been more than 10 days and my father did not receive any money yet, when i contacted the bank there is no response from the Branch, i have visited the bank 3 days in a row.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report in Equifax. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have them removed from my credit report.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Hello, I am writing in regard to {$8000.00} which is currently missing from my bank account. I will try my best to provide a timeline as followed : XX/XX/XXXX I sent {$8000.00} to BMO Harris from XXXX XXXX. The money was not immediately received and so I had to open a claim with XXXX. They provided me with a temporary credit. Afterwards, the credit was reversed. On XX/XX/XXXX, {$8000.00} was deposited into my BMO Harris account. On XX/XX/XXXX, the {$8000.00} was reversed back to XXXX. This is all the information that I have access to according to my bank statements. 

I am beyond upset at the lack of help and understanding that I have gotten from both XXXX and BMO Harris. Every time I have called, both banks tell me that they don't know where my money is and that the other bank most likely has it. Today, XX/XX/2020 I called and spoke with a representative from BMO Harris and he told me he would look into it and give me a call back. I have not received a call and now he is not picking up his phone. I spoke with a representative from XXXX on XX/XX/XXXX, and she told me that their records show that the money was transferred back to BMO Harris and that XXXX no longer has it. 

This {$8000.00} is all of my savings up until this point and I can not afford to hire a lawyer to help me. I don't know what to do or what my next step would be. 

Thank you
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 XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, has violated my rights. 
Account name : 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 card

American Express was told not to send marketing advertisements or solicitations to me. American Express continues to contact me about accounts and new applications. I have registered with the Do Not Call, made specific email and address opt outs, and I continue to receive solicitations
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$180.00} XXXX  # XXXX XX/XX/XXXX -- {$50000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$34000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$15000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$670.00}
Product: Credit card

Old account that is my ex husbands, I requested validation and received a response back which I am attaching for your assistance. Please help
Product: Debt collection

This company has failed to send me written notification of this false debt in which I received and the only way that I found out about it was through reviewing my credit report a couple of weeks ago. So I called in and asked about this debt and told her both verbally and by email ( written notification ) that I wanted to dispute the validity of this account because there is absolutely no way that it can belong to me. As of today, nothing has been done regarding having this debt being verified and validated as requested. They have refused to remove it from my credit report while they investigate-if they are even investigating it, and this is against the Federal and State laws put in place to protect consumers from illegal debt collection practices from these debt collectors. Furthermore, as I have told them via written notification and verbally, this debt does not belong to an individual person, it never has, nor has anybody been liable for it personally or individually as it was set up as a California Corporate XXXX  Account with the use of the assigned Corporate Employer Identification Number given to the Corporation by The Internal Revenue Service back In XXXX of XXXX  to set up this account. No officer, shareholder, or Executive member of the corporation was ever in agreement or has signed any document making any individual liable, or to personally guarantee this account at any time. This is solely a business account that was solely setup as a business account making only the corporation liable as it's sole and separate entity. These guys have damaged my credit and given me unspeakable amounts of stress and has brought on both XXXX  and XXXX XXXX to me as well. This is my last attempt at trying to reason with this company and for them to remove this false debt from my credit report before I seek further legal action against them and XXXXXXXX  ( the original creditor ) for falsely trying to make an individual officer of the corporation liable without ever having authorization from that individual to do so. I want to see a physical signature with my name and my social security number handwritten on the application form as part of their verification of this debt. This is the only way that I will accept as valid proof of this debt ever being my own and not the corporations. However, they won't because their is no such document available because I never signed it or used my personal social security number. Also, this entry in the credit reports maintained by all three of our national credit reporting agencies needs to be removed at once while they investigate this further, and not to wait until after wards to remove it. It needs to be removed now before they investigate per law regulations.
Product: Credit card

I have XXXX transactions made by XXXX for XXXX rental unit when I was never provided with the accommodation as booked. I have been unable to resolve this matter with XXXX. I have filed a dispute with Chase, but I am still waiting to hear back on a resolution. 

Here are the following transactions : XX/XX/2024 - {$2200.00} XX/XX/2024 - {$2200.00}
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I made a claim for over XXXX dollars that was directly linked to my personal belongings being stolen. The break in to my vehicle happened in XX/XX/22, I made a police report with the XXXX XXXX police department. I started noticing suspicious activity with my social security number, and soon after there was money that was taken from my chase account ( checking and savings ). I ended up making a few claims and all was successful except the last two, they were online transactions and non chase atm withdrawals. I ended up sending paperwork from the federal trade commission and the sapd police report. The chase claims department closed my claim because they said when asking me the protocol questions to the claim that they asked if I had my atm card on my possession, and I said not that atm debit card because it has already been canceled and I had a new card by then. This prompted the associate to misinterpret what I said and submitted that I said I had that debit card on my possession when this would be impossible because when I made the claim it had already been over two months and I have had three new debit cards since then and obviously they would know this because they assisted me with not only closing that card but also sending me a new card. Please help me with retrieving my money, I am struggling and this has become a very difficult thing for me to deal with.
Product: Checking or savings account

The bank closed my account XXXX and mailed me a check out of remaining funds which I never received. Because the check went to my old address. The check was returned to sender which is XXXX XXXX/credit karma. It's been a whole year I still haven't received my check yet. I sent in all the documents they asked for don't understand the problem bad customer service. The check was mailed out XX/XX/2023 and stolen which somebody tried to mobile deposit at XXXX XXXX bank don't accept third party checks That's why the check was returned to sender.
Product: Money transfer, virtual currency, or money service

That really seems unprofessional and probably why XXXX hard to accomplish because it's your job to let me know because this i XXXX agreement you settled for me and yet you didn't notify me seriously
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED YOUR COMPANY AND INFORMED YOU THAT THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME YET YOU STILL CLAIM THAT THEY ARE VERIFIED. MY QUESTION IS HOW CAN A FRAUDULENT ACCOUNT BE VERIFIED. I KNOW FOR SURE THERE IS NO LEGAL BINDING DOCUMENT BECAUSE I HAVE NEVER HAD ANY BUSINESS WITH THESE COMPANIES. ONCE AGAIN I AM A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ACCOUNTS BE DELETED. If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the Attorney Generals Office. 

( 2 ). Explore all legal options on this matter. 

I dont want it to come to this. Please delete the following accounts. 

XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX IN THE AMOUNT OF {$1800.00} XXXX IN THE AMOUNT OF {$2800.00} XXXX XXXX IN THE AMOUNT OF {$420.00} XXXX XXXX IN THE AMOUNT OF {$730.00}
Product: Credit card or prepaid card

I disputed with Chase for {$2200.00} on XX/XX/19 a fake merchant posing as XXXX for tech support for 2 charges of XXXX on XX/XX/19. This fake company posing as XXXX provided a false invoice that I bought gift cards for the amount of {$2200.00}. The invoice is fake and Chase took the fake document and closed my dispute. Chase did not confirm the documents provided by this fake merchant posing as XXXX is legit. 

I was a victim of computer fraud and this company froze my computer and said to call XXXX Support   and I called the number on the screen and they sold me on a lifetime support from XXXX Tech Support for {$1100.00} and walked me through payment through my XXXX XXXX as my computer was frozen by them. The transaction didn't go through so they walked me through the transaction again for another {$1100.00} totaling {$2200.00} which I disputed with Chase. 

I am shocked at the lack of customer support and protection from Chase and siding with a fake merchant committing crime and fraud without any effort to validate the fake invoice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Re : Complaint Against Credit Reporting Agencies Violation of 15 U.S.C. 1681a Dear CFPB, I am submitting this formal complaint regarding violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, by the credit reporting agencies Equifax, XXXX, and XXXX. 

The issue concerns inaccurate reporting of an account issued by XXXX XXXX XXXX. On [ specific date ( XXXX ) ], I identified discrepancies in my credit report that persisted despite my attempts to resolve the matter. 

Details of the Dispute : 1. Account History : The XXXX XXXX account in question was in good standing, with no late payments recorded for over one year. I provided documentation to all three credit reporting agencies ( CRAs ) confirming this fact. 


XXXX. Removal of the Account : Equifax, XXXX, and XXXX removed the account from my credit report after my disputes. However, XXXX XXXX states in their response that the account was accurately reported, creating conflicting information. 


XXXX. Violation of 15 U.S.C. 1681a : The CRAs failed to ensure the maximum possible accuracy of my credit report, as required under the FCRA. This ongoing issue affects my ability to secure credit and reflects a failure to properly investigate and correct errors. 



Supporting Evidence : The XXXX XXXX response letter dated XX/XX/2025, indicating the account 's closure and credit balance refund. 

Correspondence with Equifax, XXXX, and XXXX showing their removal of the account. 

Documentation confirming my account with XXXX XXXX was in good standing, with no late payments. 


Request for Action : I request the CFPB investigate the CRAs for the following violations : 1. Failing to report my credit information accurately, as required under 15 U.S.C. 1681a.

2. Failing to conduct proper reinvestigations of my disputes, as outlined in 15 U.S.C. 1681i. 



I also request that my credit report be corrected to reflect the accurate and consistent reporting of my XXXX XXXX account. 

Thank you for your attention to this matter. Please do not hesitate to contact me at [ your phone number ] or [ your email address ] if additional information is needed. 

Sincerely,