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

The credit reporting agency XXXX is reporting a balance {$830.00} for a collection agency named creditors bureau associates and the actual Amount owed charged on the account is {$880.00} and they have it in remarks as a medical bill and not collection on my report, in which is a violation of15 U.S.C. 1681S-2 ,15 U.S.C. 1692g and H.R. 2537 Consumer Protection for Medical Debt Collection Act.

The credit reporting agency Transunion is reporting a balance {$830.00} for a collection agency named creditors bureau associates and the actual Amount owed charged on the account is {$880.00} and they have it in remarks as a medical bill and not collection on my report, in which is a violation of 15 U.S.C. 1681S-2 ,15 U.S.C. 1692g and H.R. 2537 Consumer Protection for Medical Debt Collection Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used Cash App to send {$1600.00} to XXXX XXXX thinking that I was sending it to XXXX XXXX ( my landlord ) whom I send the same amount to every month. 
Unfortunately, this time around I sent the payment to a wrong person who has the same name and last name than my landlord. When I opened the app to send the funds I was offered the option of sending them to a person whose ID is not the one of the proper recipient and I did not notice it. I just instinctively assumed this was the ID of my landlord and I sent the funds. 
The next day when I realized my mistake, I contacted Cash App customer support to reverse the payment but they stated that they were unable to do so and suggested asking this stranger I wrongfully paid for the funds back. I did twice and the person never sent me the funds back. 
Cash App opened a case ( # XXXX ) and has been sleeping on the situation. This was my hard earned money and it was due for my rent which is now delayed and causing me a lot of stress. 
PLEASE help me get my money back. This was a good faith mistake and I should have been refunded by this dishonest app user whom I do not know and who has the same name than the person I send the funds to every month! 
Thank you in advance for your valuable time and help.
Product: Credit reporting or other personal consumer reports

per the FCRA, as a federally protected consumer, I am opting out of any and all authorization, I the consumer, may have given you written unwritten verbal and nonverbal per 15 USC 6802. ALL inquiries must be removed. 

Per the family XXXX educational privacy act of XXXX, my transaction history was compromised and given to a third party that was NOT authorized by me. 

Lastly, XXXX has removed items off of my credit report but XXXX, XXXX XXXX and XXXX has not removed these items. By law, all credit reporting companies MUST be congruent and have the SAME reporting. Please fix these issues. 


My proof of claim is attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a Private Loan from Sallie Mae back in College in XXXX. It was transferred to Navient. I have been fighting back and forth with intimidating customer service rep to get this loan taken care of. On XX/XX/XXXX I paid {$840.00} to the company to have my dad take off the loan. This was not a payment on the loan or at least that is what she informed me. I NEVER received a receipt, payment confirmation or there was nothing. She stated i would be responsible but my loan amount would be lowered. It was reported the same amount from XXXX. It has been 13 years since I have been dealing with this loans. There are so many different balances on each report. I I have requested payment updates, goodwill letters that was just sent XX/XX/XXXX, I have called multiple times and they keep reporting on my credit as delinquent as if it is a new loan. When I called on XX/XX/XXXX, she could not provide a reason and even after asking for assistance with the payment she gave me a collection agency number. It is so deceptive to report things like this. Its in charge off one month, the next month is failure to pay and the next it is 90 days past due. They keep reaging this loan each time it hit my credit report from another company. I have been trying to work with this company to no avail. This is affecting my score terribly.
Product: Debt collection

They are trying to collect on a debt illegally. They have been reporting this debt for XXXX and a half years but according to the State of Texas, they have n't been bonded in the State of Texas since XXXX! I have repeatedly disputed this account and requested verification but they keep verifying it. Latest verification was XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX in response to a complaint made Previously to the CFPB regarding fraudulent inquiries showing on my credit report. In the letter XXXX asked the credit reporting agencies to mask these inquiries. These items were removed later in XX/XX/XXXX. 

These items were dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX I was doing business with my bank and a credit report was pulled from Equifax which once more showed the old inquiry from XX/XX/XXXX and a new fraudulent one from XX/XX/XXXX. 

I reported these inquiries to XXXX, who said that they would once again send requests to Equifax to mask these as they were fraudulent. I have NEVER applied for any form of credit from XXXX nor XXXX, which is the source of ALL of these inquiries. I also obtained reports from XXXX  and XXXX  which showed none of these inquiries. 

I filed an on-line dispute at www.investigate.equifax.com on XX/XX/XXXX concerning these inquiries. On XX/XX/XXXX I received an email from Equifax informing me that the dispute had been completed along with a confirmation number and a link to obtain the results. 

When I accessed the link, I was required to fill out an on-line form with basic information. Upon submitting the form, the system response was that it was unable to provide me the information requested and provided a phone number to call. 

I called the number and after about a half an hour of grilling by a representative, I was told that they could give me no further information. 

Today XX/XX/XXXX, I received another email reminder from Equifax, requiring me to access the link for the results of their investigation. I repeated the on-line process of filling out the basic information, but when it was submitted the system responded that it required more information and proceeded to re-display the SAME screen which I had just correctly filled out. 

I understand that since the data breach in XX/XX/XXXX that Equifax has been under a great deal of pressure, but their lack of timely responsiveness is causing many peoples ' lives to be negatively affected, as evidenced by the number of class action lawsuits against their company for incorrect or inaccurate information on their credit files. 

I have Locked my credit files on ALL three bureaus. I have also made a report to XXXX concerning these fraudulent applications and I am awaiting a response from their security team.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : {$0.00}. 
XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting the credit bureaus in the past. I had discussed with them that the information reported across the three credit bureaus do not match at all. I was very persistent about the issues for many years and until this point nothing has been corrected or solidified fir accuracy. Other investigations have been conducted based on all disputes but nothing has changed. The accounts would come back as verified within days! 

According to Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

This by the three credit bureaus have failed to conduct a thorough investigation and also have failed to do their role as a bureau for the consumer by law. All the bureaus did was contact the creditor directly to verify the account plus hard inquiries. They did not go beyond what was stated above. 

As of today XX/XX/2023, all three reports have yet to report 100 % accurate. Most importantly, per FRCA 15 USC 1681 everything on the consumers credit report must be investigated 100 % accurate. PLEASE SEE CREDIT REPORT FOR INACCURACIES. 

Accounts are as follows : XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Money transfer, virtual currency, or money service

Starting Tuesdays XXXX XXXX @ XXXX XXXX. I can not and have been denied access or info about my XXXX ( XXXX ) in my Cash App wallet!! The app keeps crashing.. I asked and begged for alternative to solve by cash out or transfer to another wallet.. Customer service made me log in and out, uninstall and reinstall app several times. They requested and I sent video evidence.. I'm told they know issue and are working on it and just wait and they will have a solution shortly.. when I check on progress and hour later, they are clueless and all over again.. I ask to speak to someone higher up and beg for a call.. I'm told wait.. I would NEVER bought or sent XXXX to Cash App if I ever thought I would not have access to it as I have for last couple years!! Appx value is approx $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the credit burea 4 times in writing with certified mail asking them to provide status on bankruptcy on my credit report. They said XXXX XXXX verified, which XXXX XXXX does not show any bankruptcy on my credit file. I sent the burea a copy of my report and they still have done nothing and say its verified. this is costing me thousands in interest rates and denials.

Equifax still shows over 24 false/not authorized credit inquiries on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance XXXX : {$210.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX Balance Owed : {$890.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to in ensure that TRANSUNION receives my dispute regarding inaccurate accounts on my consumer reports and I want to make sure that they do not stall by asking for unnecessary additional info push my dispute letter back a few weeks. I want all accounts to be reinvestigated. Supporting documents will be attached to this complaint.
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 Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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

The previous complaint was closed ( XXXX ) In the response to that complaint Bank of America stated that all they needed in order to release my funds is a letter from the state of Arizona stating that I was authorized to have funds deposited into my account on behalf of my clients. I have that letter but they did not give me an address to send that letter to. They also failed to mention that part of the funds they are holding are from a Direct Deposit in the amount of {$1900.00} made on XX/XX/2021 by my employer.
Product: Credit card or prepaid card

TD Bank / XXXX 3rd party was allowed to add me to their credit card as an 'authorized user ' without my knowledge or consent. When 3rd party defaulted on payments, credit card company reported the default on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Phone : XXXX Subject : Opt-Out Request & Removal of Personal Information To Whom It May Concern, I formally request the immediate removal of my personal information from your records and any third-party databases due to my status as a victim of stalking and trafficking. Under the following laws, I assert my rights : FCRA ( 15 U.S.C. 1681c ) Right to suppress adverse information.

Gramm-Leach-Bliley Act Restricts disclosure of financial data. 

DPPA ( 18 U.S.C. 2721 ) Prohibits unauthorized sharing of motor vehicle records.

VAWA & Address Confidentiality Laws Ensure privacy for victims.

Required Actions : Delete and cease processing my personal data.

Stop sharing, selling, or distributing my information.

Provide written confirmation of compliance within 30 days.

Failure to comply may result in legal action. Please confirm in writing via mail or email. 

Sincerely, XXXX XXXX
Product: Credit reporting

I hav previously disputed with Experian about my identity theft and I do not seem to go anywhere with them because they continue to verify those accounts and keep them on my credit report. I am sick and tired of this. I want those items remove immediately or I will seek legal remedy. This is the last chance I am providing Experian for them to do good on this ID theft which is very detrimental to my credit report. This is affecting me personal since I am looking to get an insurance office but those items that appear on my credit report which are all ID theft are hurting my chances. Experian you need to act now or I will see you in court!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been reviewing my credit profile and Ive found multiple hard credit inquiries from various institutions that I have no authorized. I would like to have them disputed. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not have, nor have I had accounts with these lending institutions. I have also never applied for credit with them either.
Product: Credit card or prepaid card

Bough one XXXX XXXX  on XX/XX/XXXX from XXXX, ordered XXXX charged {$350.00} AND {$350.00} on XX/XX/XXXX XXXX or XX/XX/XXXX ). One of them is a fraudulent charge. Called Walmart credit card company Capital one, refunded {$350.00} on XXXX XXXX capital one recharged {$350.00} on XX/XX/XXXX. A letter sent to me confirmed the credit card company took back the refund. ( capital one case number, XXXX ). Chat with XXXX online customer service on XX/XX/2020. It was confirmed XXXX only charged {$350.00} with Success, XXXX XX/XX/2020 - XXXX XXXX  Another charge of {$350.00} is a fraudulent charge.
Product: Debt collection

In XX/XX/XXXX I sent validation letters to XXXX XXXX XXXX XXXX in attempt to get VALIDATION not verification of said debts they claim I owe. The response I received back stated " Thank you for your correspondence. Please accept this letter in response. Please allow our company to acknowledge receipt of your request that we cease further communication with you about the above referenced account '. Please also allow our company to acknowledge receipt of your request for our company to verify or provide the validation of the debt. Please allow us to confirm that we have communicated with our client. '' And to today 's date XX/XX/XXXX I have NEVER received any validation of said accounts to my address as I requested from the company. However they continue to list this account on my reports. Validation is forwarding copies of the actual proof of the alleged debt and alleged account. I have received nothing from " XXXX XXXX XXXX, XXXX ''. I need a printed statement from the original creditor that validates the information reported on my Credit report. I have no recollection of such accounts these people claim I owe. What services were done, where did they take place, where is the actual bill of service? The account is reporting incorrectly on my report the company has FAILED to validate the alleged account to me in writing.
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. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXXe : # XXXX, 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: Checking or savings account

I have been advised I need to close my account as I am a non US resident I have spent a lot of time and money calling Wells Fargo several times to close my account. I have now taken most of my money out at an ATM and did not have time to go into the bank and spend more time closing the account. The customer service team are no help what so ever XXXX weeks later I am still waiting on my account being closed and I will not be paying a monthly fee for their negligence and incompetence I can not find an email address to send a complaint and I am not spending more wasted time and money calling them again to be ignored I am disgusted at such unacceptable customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy on credit report and i recieved a letter from the court and they said don't report to any credit bureaus at all, all 3 credit bureaus is reporting this without permission, the courts didnt tell them to, if they are wrong they meed to delete it from my report, are they breaking any reporting laws please dind out for me thank you
Product: Checking or savings account

I was on vacation with family and friends. We got off the ship and someone in the group forgot to bring their ATM card. He zelled me {$360.00} and I proceeded to take the money out of the ATM. The ATM did not give me any money or a receipt but it did go through the process. When I couldn't take out the money I was going to XXXX him back which was within a few minutes, I didn't have the money in the account. I had XXXX pending charges XXXX for {$990.00} and $ XXXX transaction shows a company called XXXX. I tried to call the bank from XXXX but my calls were not going through. As soon as I got back home I opened the claim and they cancelled the card. I have already opened a claim with Truist Bank 3 times and each time it goes under review and their fraud XXXX deny the claim. The only explanation I was given is that because I still had the card in my possession, I authorized the purchase. By what I see on the website of the company it is some type of POS business. I have explained over and over that I tried to take money out of an ATM and no purchases were especially on a POS system while I'm on vacation. I don't know where else to turn because they must have cloned my information at the time I tried to pull money. As I stated before I did not make any purchases in XXXX with my card nor did I receive money from the ATM. The date the transaction was taken out but in a pending status was XX/XX/year> the date that it posted to my account was XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX