23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/22 I sent {$200.00} to my daughter cash app in it turn up that the account was hacked so I called in reported it to cash app, to only be told they can do anything about it. I understand I sent the money to the wrong account but the account has a picture of my child face on it. In they also lied about closing the account so the account remained open in active which allows anyone to think they sending her money but its somebody playing to be her. I just wanted my money back the told me its not they fault I made a mistake.
Product: Debt collection

Hello, Thank you for reading my complaint : I had been contacted by a company name XXXX XXXX and they had offered me to fully Auto managed my shop and my business and I had spent few hours with one of their salesman and he kept promising me that they would be able to do this for me and I had told them that would be kind of impossible since after 30 years in business, it never worked in multiple times to reach this goal at least for me. They offered this service for {$15000.00} and they kept saying that they have ability to do all the work for me and I had to sit back and relax. They asked for {$5000.00} deposit and I paid them with my American Express card and very next day they sent me a link to go and watch 25 VIDEOS to be learned by me so I can know how to do this AUTO MANAGE for my business. This was more than JOKE and I called back and asked for refund ( The contract said that I have 30 days to cancel without any reason on both side ) and I had called less than 3 days. I'd opened dispute with American express and since then American express has made joke out me and keep closing the dispute case with no reason .I keep calling them and all of the dispute personal agree with me and tell me this is so stupid and unfair BUT after 2 hours the case is closed and we have to go on same circle again and again and again. I am not asking American Express for a favor and I have had supplied them with all information and documents they wanted me to but their dispute department do not care and they keep playing with me. I have called their super wiser and thought they would help but she ( XXXX ) kept talking none sense and telling me that, they paid this company and they don't want to make refund so American Express is loosing money!!!!!!!! Please can someone help me out here? Thank you so much again for taking your time and reading my letter.
Product: Credit reporting or other personal consumer reports

How am I supposed to make payments when XXXX XXXX was in full effect hindering all opportunities of income. On top of that it took XXXX  almost XXXX XXXX to 2 years to render aid during that crisis. Along with that the company I was working for XXXX XXXX XXXX at the time was stealing money out of my paychecks this was on going for 4-6 years before, during and after this alleged debt. I have proof of lawsuit filed against the company XXXX XXXX XXXX along with proof that XXXX  delayed financial relief. Between the company stealing money from my paycheck followed by XXXX, 4 months later. How can I possible manage any bill or bills for that matter. XXXX has taken advantage of this situation and is continuing to do so. The company XXXX XXXX XXXX  also took advantage of me, and united states government failed me during a natural disaster. I Lost Everything I was working hard for due to XXXX XXXX XXXX and XXXXXXXX XXXX XXXX doesn't care about its customer they hassled me nonstop during covid knowing of the situation. This is affecting not only my XXXX XXXX XXXX XXXX but also my credit report. this should be removed from my credit report in Good Faith again i have documented proof pertaining to this matter.
Product: Credit card or prepaid card

Been a customers of citi bank credit cards have numerous cards with them. 
We called in the beginning XX/XX/2020 state we are small business affected from COVID 19 they said they would note the accounts and I would be able to make Payments because we are affected by the nation wide locked down I called them they stated they saw the notes but dont have any progress for COVID 19 affect My credit score Nevee missed a payment We called 5 time before They picked up Wait times horrible customer service misleading
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, Transunioun and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer.

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XXXX  Facts : XXXX  is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing.

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Checking or savings account

To Whom It May Concern : I was looking at XXXX XXXX online and wanting to buy a song. Next thing I know I am getting a monthly charge to my bank account via my bank debit/credit card going back to 2018. I disputed this first round of charges with XXXX and after several lengthy phone calls with my Chase bank and XXXX they canceled the recurring charge and credit back f the monies. So I thought the issue resolved and the recurring charge was handled. 

Then I was reviewing my bank statement this month and discovered they have restarted the recurring charge. The only reason I didn't catch the charges is that I have multiple online subscriptions the auto debit my account like XXXX ... of whom are authorized ... and who are for the exact same amount {$9.00}. However, this time I did not even go to the XXXX website nor access their music services or library. I explained this to the XXXX representative that It could be ascertained by XXXX that I had not and have not been to their website nor had I used their XXXX services at anytime!!! 

In short, at NO TIME did I ever authorize, sign-up or otherwise even visit the XXXX website. I contacted XXXX this month ( XXXX ), a second time, and the agent I spoke to said she could credit back two months services and cancel the account. I asked to speak with someone with more authority, as I wanted all the fees they charged me refunded, and the XXXX representative said that was all she could do. 

In summation, I am requesting a full refunds of all the monies charged to my bank account. In addition I want to lodge an official complaint that I believe that the way this service was added and then billed to my account was done deceptively and as a predatory practice. I think they intentionally get you to click on something to agree to them billing you each month and you have no idea you signed up for anything. Then when you find out they are billing you and you want to dispute it they make the process difficult and time consuming so that when the agree to cancel the account and only refund some or none of your monies you reluctantly agree as you have no real recourse except, Thank XXXX!, that we have the CFPB!
Product: Credit card or prepaid card

I received a text alert for a card not present I have an unauthorized charge on my account. This keeps happening with Santander bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXXEquifax after I purchased a credit report. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were items on my credit report which are UNKNOWN to me. This is disappointing because I have been paying a credit monitoring of my report to get a report every month and I have been disputing fraud items on my credit report all this time. Please have them REMOVED from my credit file. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any items which are opened without my knowledge, consent or authority within 4 business days with ( 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. The following items are such an error on my file that needs to be removed immediately : XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXXXXXX Balance ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance ; XXXX XXXX bankruptcy XXXX Filed on XX/XX/XXXX Reference number : XXXX.
Product: Credit reporting 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 Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX 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

I spoke with an agent from EQUIFAX about my equifax score early XX/XX/XXXX because their were several things on my credit report that do not belong to me and are negativly impacting my credit score, equifax shows roughly 100 points lower than the other 2 reporting agencies. The following accounts do not belong to me XXXX XXXX XXXX XXXX open XX/XX/XXXX {$34000.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$4300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX {$17000.00} XXXX XXXX XXXX open XX/XX/XXXX XXXX XXXX open XX/XX/XXXX {$760.00} XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX {$72.00} XXXX XXXX XXXX open XX/XX/XXXX {$30.00} XXXX XXXX XXXX XXXX OPEN XX/XX/XXXX XXXX XXXX XXXX OPEN XX/XX/XXXX
Product: Checking or savings account

My account was restricted on XX/XX/2025. My job sent my direct deposit to this account on XX/XX/2025, but since the account is restricted I cant access my own money. I have called multiple times and asked for this to be resolved to no avail and now I am entering financial hardship because of this.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your CREDIT BUREAU. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 7th letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this CREDIT BUREAU is violating my consumer rights and not protecting me as an American Consumer according to the stated laws. This is my 7th notice to this BUREAU notifying you guys that these listed accounts were opened fraudulently. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. Ive started legal litigation and will be suing this CREDIT BUREAU ; this company did not honor my rights or acknowledge my supporting documents regarding identity theft. These accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, I am suing for my rights being violated, pain and suffering, false allegations from this CREDIT BUREAU, and assisting to furnish a wrong, and fraudulent accounts. I demanded these accounts be removed, and my legal rights, and laws be honored, and this CREDIT BUREAU DIDNT HONOR MY CONSUMER RIGHTS. THIS ACT IS PUNISHABLE BY LAW BECAUSE THIS CREDIT BUREAR IS ADDING AND ASSISTING IN AGGRAVATED IDENTITY THEFT. 


THESE PEOPLE CREATED FAKE DOCUMENTS TO OPEN AND OBTAIN CREDIT CARDS, LOANS AND LEASES IN MY NAME. THESE INDIVIDUALS OBTAINED MY INFORMATION AND ENTIRE WALLET WHEN I WAS ROBBED AT GUN POINT IN XXXX OF XXXX  AT XXXX. EVER SINCE THEN THESE CRIMINALS HAVE BEEN USING MY IDENTITY INFOROMATION ALONG WITH MY OLD ADDRESS ( XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ) AND MY STOLEN IDENTIFICATION TO OBTAIN LOANS AND CREDIT. 



My identity has been stolen and compromised ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in the opening account, and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the past year I have been attempting Dispute unfamiliar items on my credit report in my dispute I asked for a method of verification on every single account/Trade line/item I have not received the proper information from any of the credit bureaus Trans Union XXXX  and XXXX I spoke to one manager at Trans Union and he told me that we already sent the information and I told him no you did not you sent me a letter with blank pieces of paper on it Then he told me it is 2020 and everything is digital now so we verify it electronically and thats it That is not with the fair report in credit act says You have to verify the dates who you spoke to how you communicated with them what was their response what you communicated with them how do you retain your files The other two credit bureaus did not respond to my request at all and it is my right to have the method a verification Also all three credit bureaus are guilty Of when I correctly dispute an item and give them substantial proof on why the item is not valid on the report they just say that it is verified For example on all three credit bureaus they said that they verify bankruptcies by XXXX before I disputed I wrote the court on which the bankruptcy is CLAIMED to be with And asked them did they verify Bankruptcies with third-party creditors Such as XXXX  Trans Union and XXXX XXXX  they wrote me back and said no they do not as clear as day it says on two of my reports that they verify the bankruptcies with XXXX  XXXX  I sent them a letter that the court sent me saying that they do not do this and they wrote me back the bureaus and said oh its verified
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions in the last two years I have worked with Equifax to gain access to my credit report. I have called them, certified mailed documents that include ( s ) my social security card and drivers license. However, I still have not gained access to my report and neither can borrowers. Today I spoke with Equifax, again, and they are telling me they have not received the documents I have mailed twice before and that I need to send them again. This is affecting my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXX Balance : {$1000.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I sent in my disputes to XXXX, XXXX and TransUnion to dispute addresses on my credit reports and the arrived to all 3 bureaus by XX/XX/2021. 

In the dispute I stated that the only address that should be on my credit report is the address that stated on my Government Issued Identification. Currently there is more than that address on my credit report. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items were supposed to be reinvestigated or deleted from my credit record within 30 days. 

Not only were the inaccurate information not reinvestigated, It was done so by the E-Oscar system that these bureaus use. In the responses I received from XXXX, TransUnion and XXXX, they didn't include any documentation of the reinvestigation they did to verify the inaccurate address. 

. 
This is my final attempt of disputing this with the credit bureaus as I have yet to see proof of their investigation of this matter. If the inaccurate name variations don't get removed I will be filing a complaint with the FTC and seeking legal action for every violation that's reporting inaccurate information.
Product: Debt collection

We had leased a XXXX XXXX and we returned it on XXXX XXXX, XXXX to the dealer as lease had ended. 
On XXXX XXXX, XXXX we received a letter from XXXX XXXX XXXX indicating that we owe {$210.00} in taxes for same car for the period of XXXX XXXX to XXXX XXXX. 
We contacted XXXX and explained that we returned the car previous year and that we should not owe any money. XXXX Said that they would investigate further and then 13 days later on XXXX XXXX, XXXX we received a letter from Constar Financial Services, a collection company, they said that we must show a return receipt from XXXX dealer for the car, which we did. we also sent a receipt from XXXX County indicating that they will credit the amount of {$210.00} to XXXX for the XXXX car taxes. We also received letter from XXXX County indicating that XXXX finance owe us {$51.00} for the car taxes from XXXX to XXXX XXXX. 
After repeated calls from Constar the Supervisor told  us " Good luck " if you do n't pay. 
Attached all documents
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT! Attached is letter dated XX/XX/2020 received from XXXX regarding my complaint. See areas I highlighted. This is now a complaint because XXXX doesn't know their business. The knowledge of HUD loan requirements, and should have never unnecessarily pulled credit prior to qualifying property. Step One - Qualify. Step Two - go forward. The first phone call should have been one question ; " Please describe your home ''. 
I am not the pro as XXXX advertises to be. And this should have been caught by XXXX and not weeks later by an appraiser in the field. 
XXXX, yes, I am frustrated my property did not meet HUD loan requirements. Shouldn't XXXX know the HUD loan requirements and shouldn't it be qualified before any credit is extended? Why extend credit if property will not meet HUD Loan requirements? 
And XXXX CARES Department doesn't care very much by making a smart statement " XXXX acknowledges that this is the 4th time you have submitted this complaint to various agencies ''. Perhaps 5 times is required for XXXX to understand this. 
The reason for XXXX is because I was involved in XXXX fraud and identity theft. I don't need an inquiry on my report that should have never been there in addition to days of wasted time. 
Look at areas highlighted on your attached letter " 3. To a person which it has reason to believe ''. Is XXXX a company or person? So who is the person? 
In addition, noting was mentioned about XXXX XXXX. And I call XXXX XXXX and the recording states press ___ number if you want a copy of your credit report. Then a lady gets on who is with XXXX, a sister company of XXXX XXXX and both are part of the XXXX. Now XXXX, XXXX XXXX, XXXX, and XXXX all can have access to my personal information. This is totally wrong! Perhaps XXXX CARES Department needs to read this again " 3. To a person which it has reason to believe ''. 
I had to fight to get the reimbursement on the appraisal fee and am still waiting months for the final {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. 
I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Ive asked this company numerous times to provide validation and they said they do not have to. These 4 accounts are not mine!! Ive emailed and faxed them information ( including XXXX XXXX ) showing my bank information from XXXX and other personal information. XXXX was extremely rude and they will not follow federal laws
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for four months from XX/XX/XXXX -XX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof