23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted twice to get my free annual credit report from Equifax, XXXX and XXXX on Sunday, XXXX XXXX from the US government approved site XXXX. Both times I received a notice that I was unable to get a copy of this report.
Product: Credit card

on XXXX of 2015 I had purchase a copy of my credit report and noticed that few items on that report that did not belong to me. included I n those items was a credit card from first progress credit card. I had disputed this account with credit bureaus and also i sent to first progress a letter stating to them that this account dose not belong to me. as of this date I have not received not even a phone call from first progress. I am here to get your help resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The ARS Account Resolution that is listed on my report is inaccurate. There is no address and I have never heard of the company much less ever had an attempt to contact. There is no address or phone number for them either.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX, Account XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT FROM SANTANDER AUTO DOES NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an unfortunate incident involving Transunion 's erroneous reporting of my credit score. I believe this issue warrants your attention as it directly affects my financial well-being and potentially violates the Fair Credit Reporting Act ( FCRA ) guidelines regarding incorrect reporting and its adverse impact. On XX/XX/2023 Transunion information extracted by XXXX XXXX shows a decrease of XXXX in credit score. I contacted TU directly and the company verified no changes and no adverse information on my credit profile. XXXX XXXX asserts the information comes directly from the reporting agency. However, theres a significant discrepancy between the two companies. CFPBs previous complaint/response from the company states the score is accurate because I have a thin file. Im challenging the way Transunion is working and how they determine someone who is XXXX to have a thin file. I have attached a copy of my report which demonstrates 19 plus years of credit history with various accounts both open and close. In addition, the companys reporting of my credit usage is off by over 80 %!! Someone should file a class action suit against Transunion for its erroneous methodologies that have adverse impact on your ability to obtain credit.
Product: Checking or savings account

On Tuesday the XXXX of XXXX, there were XXXX attempts to withdraw funds from my checking account. Each attempt was declined until a {$3500.00} withdrawal was taken from my account. 

On Tuesday afternoon I called Wells Fargo to report the transaction as fraud. I filed the claim and I am supposed to receive more information and the claim status in 10 days. Below is the transaction information from the fraudulent {$3500.00} withdrawal from my checking account. 


Merchant Name : XXXX Merchant XXXX, XXXX, XXXX Transaction Method : Card # Entered by Customer/Merchant Category : Other Miscellaneous
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were 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. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Bank account or service

td bank charge me {$35.00} return fee, when it pending payments. while i had money to cover pending payments, which i deposited.on XXXX XXXX 2016 i had payment pending from few payments .i had enough to cover payments they still charge me {$35.00}. they refund me $ XXXX.td bank abusing customer.
Product: Debt collection

I Have sent several certified letters to Receivable Performance regarding a debt that they are trying to collect. The debt originated through XXXX and is not my debt. XXXX has already closed XXXX of the accounts and needs to still close the other. I have written several certified letters to both companies. Receivable performance stated that they were going to close the account and send a letter to all XXXX reporting agencies, but it is still listed on my credit report.
Product: Money transfer, virtual currency, or money service

I just want my PayPal to be reactivated. I am appealing that I don't have any violation regarding their policies.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Experian, RentBureau, Tenant Screening Agencies, Nationwide Compliance Offices To Whom It May Concern, This letter serves as FINAL NOTICE regarding your willful noncompliance with federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Unlawful reporting of inaccurate, outdated, or unverifiable information Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 Prohibition of deceptive and unfair practices Federal Trade Commission Act ( FTCA ), 15 U.S.C. 45 Enforcement against unfair or misleading credit reporting Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Protection against fraudulent or misrepresented debt IMMEDIATE ACTION REQUIRED : I demand the immediate removal of the following dismissed and erroneous records from all reports, databases, and screenings associated with my file : Case Numbers to Be Expunged : XXXX XXXX XXXX XXXX XXXX XXXX Properties to Be Removed from My Records : 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 These cases have been legally dismissed, and I owe no outstanding balance to any company. Your continued reporting of this data is fraudulent, negligent, and a direct violation of federal law.

LEGAL LIABILITY & ESCALATION NOTICE Your failure to correct these records despite prior notices constitutes reckless disregard for federal compliance, causing financial harm and reputational damage.

If these errors are not fully corrected within 24 hours, I will escalate the following actions without further notice : 1. Litigation Filing suit for violations under the FCRA, CFPA, and FTCA, seeking damages for financial harm, distress, and punitive measures 2. Regulatory Action Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), U.S. Department of Justice ( DOJ ), and State Attorney Generals Office 3. Congressional Oversight Contacting federal representatives to report systemic failures in compliance and consumer rights violations 4. Media Exposure Submission to consumer watchdog organizations, legal advocacy groups, and investigative journalists for national awareness CONFIRMATION REQUIRED I demand the following within 24 hours : 1. Written confirmation via email that all inaccurate records have been permanently deleted 2. Legal acknowledgment that I am fully opted out of all negative reporting 3. Copies of all updated screenings and reports reflecting accurate and legally compliant information Failure to comply will result in immediate legal and regulatory action. This letter serves as final notice before formal proceedings begin.

You are hereby legally bound to comply with all applicable federal and state laws. 

Sincerely, XXXX XXXX XXXX I prefer electronic correspondence for efficiency and timely responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove wrong employers Also known as - Generational identifier - Year of birth XX/XX/XXXXAddresses XXXX XXXX, TXXXXX XXXX XXXX XXXX XXXX, TXXXXX wrong address
Product: Money transfer, virtual currency, or money service

I am submitting a complaint today because I have had several issues with Zelle. When I used Zelle under my previous XXXX XXXX XXXX  account, there were several instances where I sent money but because there was no verification system, the correct party had never received it and I was told that there was nothing that could be done. This was in XXXX and XXXX. Currently with my Zelle account with XXXX XXXX I had sent a large sum of money and then found out that the recipient had a wrong account attached to them. I contacted XXXX XXXX and requested that it be stopped since it was a weekend. I was assured it would be, but it was not. My claims were failed to be investigated adequately and I was never given a resolution. This last one was XXXX. I felt like XXXX policies were not transparent and left me open to losses and scams.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed some billing errors. The listed late payments are inconsistent with my regular payment habits.
Product: Debt collection

The companies name is a firm. I bought some shoes that were {$260.00} that were counterfeited shoes that were rubber. They were XXXX XXXX so after I bought them I received them and I seen that they werent real so I tried sending back but they wouldnt provide me with a return label but they did provide me with an address to send them back so I sent them back with my own money {$30.00} and I never received any confirmation anything else about this company or its a scam fraud so the companies is sending me now to collections affirm sells counterfeit products
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( BLOCK INC ) due to inaccurate customer service and unfair practices, which violates the consumer financial protection act CFPA. Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Therefore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act EFTA and regulations e. These acts have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit card or prepaid card

I am again filing a complaint because m issue was not resolved with my first compliant. 

I am asking that Synchrony Financial please request the deletion of XXXX/XXXX XXXX account XXXX from the three major CRA 's. 

I have not been sent a copy of any documents that I signed agreeing to 1 open this account, 2, use this account or 3 pay any debt that resulted in the use of this account. 

I am aware that an " electronic credit application '' was sent to me along with balances and billing statements. However none of this proves that I am the one that opened this account. 

If there was something with my signature on it, proving that I did indeed apply and open and use this account then obviously I would be responsible for this account, but since you do not have one ( which was stated in your response ) I asking that in the spirit of goodwill and great customer service, Synchrony Financial inform the CRA 's to delete and block this credit line from reporting.
Product: Money transfer, virtual currency, or money service

Used Zelle from my banking app and was not given the option to check the recipient
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX XXXX XXXX, INQUIRY DATE XX/XX/2021 CREDITOR : XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/2021 CREDITOR : XXXX XXXX XXXX, XXXX DATE XX/XX/2021 CREDITOR : XXXX XXXX XXXX, XXXX DATE XX/XX/2021
Product: Credit reporting or other personal consumer reports

I have sent out letter to Equifax about these hard inquiries on my account and also filled out a FTC report and they keep denying my request for removal. How did they verify these accounts are accurate? Please send me any type of documentation that you had that shows that you verified this is accurate. who did you talk to? what time did you talk to them? what was their name? What department did they work in? what did they say? Dis they show Equifax any proof? How did they validate the accuracy of these accounts? Please send me any and all documentation that you have that shows that you actually did your job and validated these accounts.Send me these documents within 15 days. If you cant not send me these documents in 15 days, delete this from my account immediately. Delete these unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ETbSEQ. Section 604 of fair credit reporting act. 


Closed Accounts 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
Product: Credit reporting or other personal consumer reports

Hello, I have a school loan with XXXXXXXX XXXX, have contacted the school loan XXXX several times, they are shut down, and have sent my school loan to a debt collector, but I have made an agreement with the XXXX XXXX XXXX on my school loan. XXXX XXXX will not remove this from my credit report, and I do not owe them.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681. The accounts listed below have egregiously violated my right to privacy and the accuracy of reporting :. Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  . Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX My Credit Report was updated in XX/XX/year> to which the Credit Bureau knowingly furnished inaccurate and incomplete information.

15 U.S.C. 1681 Sec. 602 ( A ) States I have the right to privacy.

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.

Under 15 USC 1681 ( e ) ( b ), consumer reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy in their reports. This has clearly not been done in my case, and the errors remain unaddressed.

Under 15 USC 1681i ( 5 ), it is the agencys responsibility to promptly delete or correct any information found to be inaccurate and incomplete during a dispute. Despite this legal requirement, the inaccuracies continue to persist on my report, causing unnecessary hardship.

Under 15 USC 1681s-2 explicitly states that furnishers must not report information they know, or have reasonable cause to believe, is inaccurate. These accounts have been reported in violation of this law.

Thank you for your prompt attention to this matter. 

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

I paid the account in full for the amount of {$160.00} on XXXX XXXX XXXX. Still, the account was placed in collection for the amount of {$170.00}. I disputed the charges with the credit reporting agency, Transunion, in XXXX XXXX but they refused to close and remove from my credit report. 

XXXX and XXXX were provided the same information and has resolved the issue however, Transunion has failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter XX/XX/22 also XX/XX/22 asking Experian, XXXX, and XXXX to investigate my accounts. Its been over 30 days. These consumer reporting agencies are in violation. 


According to USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And, They didnt even record the current status of disputed information which is another violation. 

I have all evidence attach below
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Freedom mortgage is the worst company. I streamlined twice in XXXX it took once from XXXX to XXXX of the next year to complete because they are so disorganized. Ony reason we did it was for them to " improve '' my rate then at XXXX and now at XXXX. They take an enormous amount of time processing payments this past XX/XX/XXXX its bounced twice because I have NSFW ( non sufficient funds withdrawal ) so no more online payments with just makes things harder. Today XX/XX/XXXX I received a letter informing me I must now order checks and submit payment to another address by mail. Like that's quicker.