23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Since the month of XXXX we have suffered a GLOBAL PANDEMIC where all international trade was affected and the entire WORLD stopped. 

At the end of XXXX I suffered from XXXX, I was in XXXX XXXX with an XXXX XXXX for almost 5 months and I did not manage my Bank of America account or make use of it, which I have been a client since 2015, when I opened my account without SSN as a tourist and there was no objection to opening it. 

At the beginning of this month, already recovering, I tried to contact the bank and it was impossible since I am a XXXX citizen and due to the telephone blocks it was impossible, I turned to customer service through XXXX and they answered me AFTER 5 HOURS, they could call me to tell me that in Effectively they closed my account and the only way to open it was to go to an office in the USA, ( which I can not do since flights to the USA are limited ), or open an account online. 

I started trying to open my account online and it was impossible because to open it I need an SSN, now ... in their policies there is a contradiction, since I opened my account in 2015 without having an SSN and to open one online I need to she. 

I have lost work commissions in these months since I am dedicated to the XXXX XXXX XXXXXXXX XXXX, I have had a great contract and I lost it because I did not know where to send the money from my work commission, the treatment for the attention they gave me was very discriminatory and blunt, it can not be possible that the bank and its policies are contradictory, the damage that has caused me to lose a sales commission of approximately {>= $1,000,000} for not knowing where to send that money and the little reasoning for part of them has made me exhaust the resources to proceed to write to you, I am NOT an American citizen, I am XXXX  I have been in your country on several occasions but I am a consumer of an American banking product and I feel I have to seek protection from you already which is an injustice to me and who knows how many more people will do the same daily. 

I thank you for your kindness in reading me.
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 protect me against fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that Experian 's membership program for fetching and managing credit reports has a security vulnerability that is actively being exploited to steal Experian accounts without the use of passwords, security pins, and other security measures. 


I personally have had my experian membership information changed by a hacker 3 times in the last month. 


Wed, XX/XX/XXXX, XXXX PM Thu, XX/XX/XXXX, XXXX AM Thu, XX/XX/XXXX, XXXX AM Each time I contacted Experian and recovered my account, then prompt changed the password to a uniquely generated 15-character string. That password is then stored encrypted in a password wallet. Likewise for my security pin and other security information.

It is incredibly unlikely that a hacker would have access to that changed information each time, without also compromising my entire online identity. Yet my XXXX  and XXXX accounts remain safe, as well as all other accounts. 

I am not alone as this is happening to others XXXX XXXX XXXX_experian_XXXX XXXX XXXX XXXXexperianXXXX XXXX XXXX XXXXexperiansXXXX/ XXXX XXXX XXXXexperianXXXXXXXX Experian 's inability or unwillingness to find and fix this security issue on their site puts millions of americans at harm, promotes credit fraud and worse of all, the hackers can request the credit report through the site, then getting even more personal details on the customer with which to launch other attacks. 

I have called Experian on the third time to let them know that this is a serious issue, and I believe the CFPB should also take this seriously. There are likely thousands of victims who are not tech savvy enough to know they are compromised.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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 XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$20000.00} XXXX # XXXX XX/XX/XXXX -- {$0.00}
Product: Debt collection

About a month ago I got a text message from TrueAccord " A debt collector ''. It stated that my " account '' had been placed with them. 
This text started showing up at least once a day. 
I replied back to please " stop '' as I had no clue what account it was pointing to and it was basically an autogenerated text that they had put me in on the list to recieve. I have never heard of them so this could be fishing or scamming as far as I am concerned. 
After asking replying for no more texts and the reason I am filing this complaint is this... 
XXXX morning my wife, son, his new family and our XXXX XXXX XXXX grand daughter were sharing breakfast and preparing to watch our baby open her gifts. As we gathered my phone went off and I figured it was my XXXX, XXXX, or one of my XXXX. 
It wasn't, it was TrueAccord " A debt collector ''. 
I never asked to recieve text messages, I asked for them to be stopped, and yet my special moment was interrupted by them. 
Now, I am not so concerned about myself as I have more than enough to be grateful for, but for someone who is having troubles in life around the holidays, to be contacted by " A debt collector '' is just wrong and rubbing things in someones face regardless of their monetary situation. 
Please warn these XXXX  or something. No one deserves that level of disrespect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act XXXX  account Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXt Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference Number # XXXX XXXX XXXXXXXX XXXX  Reference # XXXX 15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

. 

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

i was living in apartment with XXXX XXXX XXXX XXXX and at the end of the contract of one year they not giving me my deposit which is {$400.00} and the need about {$1300.00} from me so i start my small claim against them and i take 2 judgments against them that i need to collect from them {$350.00} and i request many time XXXX to remove the collection but no any reply from them same from Hunter Warfield the collection company please find attached 2 judgments from XXXX Court
Product: Vehicle loan or lease

I was fasley misled into a loan contract on XX/XX/ by credit acceptance and car XXXX auto dealer. I was told by the car dealer as well as a representative from credit acceptance that I had a additional XXXX mile warranty coverage after the dealer warranty expires. I called today to find out that isn't true. I was told today by a credit acceptance rep that the warranty expires afer XXXX miles or 24 months whichever comes first. I was never told this. I was told I had a additional XXXX miles coverage by both credit acceptance and the dealer. Which is why i agreed. I previously had transmission issues with my last car and this additional coverage would be great to have. I was given paperwork from credit acceptance stating my warranty will begin at XXXX miles. Being told its nothing they can do about it is disheartening. My interest rate is high at 22.99 %, I paid almost 2 times over the original price of my car. I was asked if i wanted to change my pmt date. I agreed and then was being charged late fees due to not paying on original loan date. Even though my autopay was set up for the XXXX of each month. I found out this recently. I paid my car note and I received a repossession letter. Credit acceptance has put me in a real financial bind. The contract was not explained properly and hyped. I feel taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax 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 from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally request your assistance regarding six unauthorized and fraudulent inquiries that are currently appearing on my consumer credit report. These inquiries are negatively impacting my credit score and overall credit profile. 

Details of the Unauthorized Inquiries : XXXX Inquiry # XXXX XXXX, XX/XX/XXXX Inquiry # XXXX XXXX, XX/XX/XXXX Inquiry # XXXX XXXX XXXX, Date XX/XX/XXXX Inquiry # XXXX XXXX XX/XX/XXXX EQUIFAX Inquiry # XXXX XXXX XXXX XX/XX/XXXX Inquiry # XXXX XXXX XXXX, XX/XX/XXXX XXXX
Product: Checking or savings account

I had money {$2500.00} deposited in my checking account using XXXX. At the time my company instructed to use the money to purchase Bitcoins through a XXXX kiosk. I did that and placed the money in a wallet that was provided to me. The transaction was successful. 
A claim has been made now for {$2300.00}. I called the bank and was told they could not help as nobody knew what the complaint was ( XX/XX/XXXX ). I called back on the XXXX and was then was told about the complaint. No details were given, just that the complaint was filed. Without investigating or asking me any details they just took the money. I asked if they could investigate. I was never told they would. More-less the money was gone. They acted like they could care less, and their was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i FCRA section 605b, and continued to report unverified information without providing any proof required by law. The Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. I need the following inquires to be removed ; XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, this company has violated my rights. 
15 USC Section 1681 Section 602 states that I have the right to privacy.

15 USC Section 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B states ; A creditor can not consider a payment late unless they have reasonable procedures to ensure that the periodic statement is mailed or delivered to the consumer at least 21 days before the due date. 

This company has failed to provide verification that l was late : XXXX XXXX XXXX XXXX  XXXX I was never late on this account. 

XXXX XXXX I was never late on this account. 

XXXX XXXX I was never late on this account. 
2 bureaus says I was on time and 1 is reporting inaccurate information which is fraud.
Product: Credit reporting or other personal consumer reports

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Credit reporting

There is some error in my personal informationSome of the address reported are incorrectXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThose are placed I have never live and would like to reportAs false information
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with NELNET LNS. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. 

NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET XXXX XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} XXXX NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET XXXX XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00} ; NELNET LNS XXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

Hello, i hope that everything is well I was w

orking on Coinbase very well but right now my account is under review and i cant send or receive money there, i have around XXXX  $ there friend, and i'm really scared about. They can't talk with me via Email, i've opened a ticket but they closed it few day after
Product: Debt collection

an account was opened fraudulently in my name in XX/XX/XXXX and closed XX/XX/XXXX for a credit account at XXXX. I never opened an account with XXXX 's or purchased jewelry. This is the 3rd time my identity has been stolen and I been fighting trying to prove I am who I say I am and that these accounts aren't mine. I'm in the process of buying my first home and I found out a judgement is against me in XXXX county for this debt of {$1800.00} that isn't mine. Midland Credit management has the account now to collect a debt. The address on the account i never stayed at that residence. In XXXX I was staying with my mother taking care of her before she passed. I'm in the process of closing on my house for my kids and I but I can't because I was just informed of this debt someone else opened fraudulently in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and infromation that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$87.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$250.00} XXXX  XXXX Balance Owed : {$290.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. This is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Credit reporting or other personal consumer reports

I had a Very Good to Excellent credit rating until there was 1. ) One fake {$580.00} collection placed on all 3 credit bureaus from XXXX to XXXX XXXX and 2. ) a high 93 % usage, with me as a new authorized user, XXXX XXXX XXXX  posted on my account that I immediately called XXXX, closed my XXXX XXXX, and asked to have that info removed from my credit report the same day it posted to the bureaus upon seeing how being a new XXXX harmed my credit in late XX/XX/2023. I filed a fraud alert at Fraud.gov for the collection, and two were immediately removed from XXXX XXXX XXXX which I could see when viewing my daily reports. Transunion has locked me out of viewing my daily credit report since XX/XX/2023! I have spoken XXXX three times, deleted cookies, caches, installed a new XXXX XXXX, even deleted and created a new TU account with c/s help and nothing has helped TU open my credit report to me since XXXX XXXX. I can not view what is incorrect on TU because they will not allow me to access my own credit report. I can log into TU but accessing my credit report isn't allowed. I am asking for help.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 ( a ) ( b ) - Obligations with respect to disclosures of personal information. I have sent a letter to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  CREDIT ACCEPTANCE and they are not reporting it to the credit agencies XXXX, XXXX, and XXXX and they are still reporting information that they don't have my consent to. I have also sent letters to XXXX, XXXX, and XXXX letting them know that they do not have my consent to report my credit but they still commit Identity theft and fraud.
Product: Credit card or prepaid card

I have a free account with Experian to monitor my credit. At one point in the past I tried to use one of their premium paid services but decided it was not worth the price. After successfully canceling the service, I was unable to remove my payment information ( Stored Credit card number, expiration, and XXXX code ) from Experian 's system as it is no longer needed, and always a prudent security measure in protecting your credit cards. I contacted Experian to have it removed and they outright refused to do so. I am contacting you to force Experian to give customers the option to remove their payment information from their Experian accounts as Experian has no practical use to keep that information. I believe this also violates XXXX  compliance laws.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of many incorrect inaccurate accounts These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Company : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Tx, XXXX Several Phone calls made to company trying to resolve. Sending certified letter today. Company has listed amount owed on my credit report, {$15000.00}. Amount was discharged in my bankruptcy. Company I assumed purchased debt from the company I owed this amount to after the bankruptcy. Repeated calls from companies representatives or agencies affiliated with this agencies, trying to verify my location or property owned.
Product: Credit reporting or other personal consumer reports

I have submitted various documents and experian continues to do false investigation and verify fraudulent information and fails to remove fraudulent address associated with a fraudulent account.