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

many fraudulent accounts are reporting under equifax credit reporting agency, i have disputed several times and even with a police report stating the fact that i had been a victim of ID theft. but they are not belong helpful at all, and when calling them every single time they are asking verification and have answered all the questions they are saying that i was not verified and i have no way of finding out whether or not what the situation is about my disputes and fraud accounts. please let help me out, your are my last hope, i receive Social Security Income and these fraud account are giving me headache, they are about to cut off my SSI, and i have no way of proving that these were fraud account. because quifax is not helping me in any sort of way. i need to proved the clean equifax report to the administration in order for my SSI to be continued. 
i beg of you to help me so i wont be homeless. 
thank you for your help, i will be attaching my police report and the FTC report and the letter explaining what i have sent equifax thank you for your cooperation
Product: Payday loan, title loan, or personal loan

I receive a XXXX message to repay loan from Easy money loan app amount of XXXX which i never apply they mention applied date XX/XX/2023 ( 7 days tenure ) repayment date XX/XX/2023. I don't receive a E-mail or Text message.
Product: Debt collection

On or about XX/XX/2021 Experian was mailed a letter Notice of Dispute ; Demand for Validation and Proof of Claim. Stating Under the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), Experian is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract. Experian sent consumer a letter XX/XX/2021 requesting that the reporting company XXXX XXXX and XXXX XXXX verify the accuracy of the information being disputed. XXXX XXXX requests and demands from XXXXXXXX XXXX XXXX XXXX XXXX verifiable proof of the " original instrument of indebtedness '' which is an original contract signed with wet ink between XXXX XXXX and XXXXXXXX XXXX XXXX XXXX also demands XXXX XXXX XXXX XXXX XXXX to produce the account and general ledger statement showing the FULL ACCOUNTING of the alleged debt obligation XXXXXXXX XXXX XXXX XXXX XXXX is attempting to collect ; signed and sworn by the person responsible with fiduciary duty to maintain these records associated with the account and having first hand- knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. Demanding the original instrument of indebtedness for visual inspection of XXXX XXXX original wet ink signature on the promissory note " application '' ( not a photo copy ). XXXX XXXX demands that XXXX XXXX XXXX XXXXXXXX XXXX  provide a statement admitting whether they are the holder in due course or whether XXXXXXXX XXXX is the servicer. This is not an attempt to not pay or avoid payment, but a conditional acceptance upon proof of claim. XXXX XXXX would like to settle the matter upon conditions previously stated within this statement. Experian provided a response letter XX/XX/2021 stating " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. '' In accordance with FCRA XXXX ( a ) ( XXXX ) This is NOT a request for a reinvestigation of the previous dispute. This is a request for a Method of Verification where the following items should be provided to ensure the validity and accuracy of the account ( XXXX ) with XXXX XXXX XXXX XXXX XXXX Provide any and all documentation used to VERIFY account ( XXXX ). On XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX sent a letter stating that they had completed the investigation and the items were not deleted, as requested. To be more specific, based on FCRA XXXX ( a ) ( XXXX ) ( B ), XXXXXXXX XXXX XXXX XXXX XXXX is required to forward all of the relevant information XXXX XXXX XXXX XXXX this CONDITIONAL ACCEPTANCE. 

Please provide consumer with all of the information Experian used for their investigation, as required by FCRA XXXX ( a ) ( XXXX ). 

Please reply within 15 days or delete the items, as originally requested.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the cessation of reporting my credit information in accordance with my right to opt out under 15 U.S.C. 1681 and 15 U.S.C. 6802. Additionally, I request the removal of any past, present, and future credit information related to my accounts from all credit reporting agencies. Below are the details of the accounts I hold with your company and the credit reporting agencies they are associated with : Account Details : Account 1 : XXXX  [ Experian ] : XXXX - {$5000.00} XXXX [ XXXX ] : XXXX XXXX, XXXX. [ XXXX ] : XXXX Account 2 : XXXX  [ XXXX ] : XXXX - {$910.00} Account 3 : XXXX XXXX  [ XXXX ] : XXXX - {$1800.00} Account 4 : XXXX XXXX XXXX [ XXXX ] : XXXX - {$0.00} Account 5 : XXXX XXXX XXXX [ Experian ] : XXXX - {$1800.00} XXXX XXXX  XXXX  [ XXXX ] : XXXX - {$1800.00} Account 6 : XXXX XXXX [ Experian ] : XXXX - {$11000.00} / ACCOUNT BALANCE : {$300.00} XXXX XXXX [ XXXX ] : XXXX XXXX XXXX [ XXXX ] : XXXX In addition to ceasing the reporting of my credit information, I request the removal of any past and present information related to these accounts from all credit reporting agencies. Furthermore, please ensure that no future information about these accounts is reported. 

I also request the removal of any address from my credit reports that does not match my current address : XXXX XXXX XXXX. 
XXXX, FL XXXX Please confirm in writing that you have received this request and that all relevant information will be removed and no longer reported. Additionally, please notify the relevant credit reporting agencies to remove my information from their databases and to update my address information accordingly. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

Wells Fargo has allowed for the creation of scam/fraudulent accounts. I fell victim to a wiring scam on XX/XX/2021 for my housing down payment where the beneficiary account ( scammer ) had a Wells Fargo account. The scammer was able to make an account with the same name as my attorney even though that's not their real name. Wells Fargo also accepted a wire to an account where the account details did not match up exactly. Wells Fargo has delayed freezing the funds in the scam account, which decreases XXXX  XXXX XXXX ability to recall the wire. Wells Fargo has allowed for the creation of scam accounts under fake names and has caused delays in getting the money back to the victim of a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

First Source, FrontLine Asset Strategies and Source RM Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. EXPERIAN, XXXX AND XXXX ARE reporting late payments on multiple accounts ( XXXX  XXXX XXXX ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave EXPERIAN, XXXX AND XXXX OR XXXX XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report! 

EXPERIAN, XXXX, XXXX AND XXXX XXXX ARE IN VIOLATION OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

I HAD SUBMITTED THE INCORRECT INFORMATION THE FIRST TIME AND RESENDING TO THE PROPER COMPANY NOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXX/XX/year> I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to dispute the auto loan for XXXX. XXXX XXXX XXXX XXXX did not check the VIN report and verify the accuracy of the car value that was XXXX dollars. XXXX XXXX XXXX XXXX spoke to the ilegit company called XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX without my consent. The auto loan money was stolen. I did not receive the car. I have XXXX police reports and FBI report. The accurate car dealership is called XXXX XXXX XXXX XXXX. They confirm the car was sold and the title on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX department is aware of the situation refused to call me back with a resolution. On XXXX someone from XXXX was supposed to call me. They did not call me.
Product: Credit reporting or other personal consumer reports

This is a complaint to XXXX, Equifax, and XXXX pursuant to the provisions of 15 U.S.C. 1681i.

After reviewing my credit reports I noticed that your company are violating the Fair credit reporting act by improperly using my credit reports for the following accounts ; [ XXXX  Account Number : XXXX ] [ XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] These accounts are charged off/canceled debt. Because it is canceled/charged off, this is now considered a certificate of indebtedness per the IRS Publication XXXX The IRS Clearly defines a charge off/cancelled debt as Gross or Ordinary income, and INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT which in fact makes the reporting of this information inaccurate. I provided a screenshot from the IRS website for further evidence. As your company know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said account. Please be aware all negative remarks found on my credit report is a violation of the FCRA and FDCPA when your company can not furnish the validity of the remark. I am not in dispute of the ownership of the accounts so there is no need to " verify '' it, but if your company insists on " verification '' then I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). 

This is not only a violation from these companies [ EQUIFAX, XXXX, XXXX ] but it is also a violation from the furnishers of this information pursuant to 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 a reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to try to get a personal loan and these inquiries were on my reports and it will affect my outcome of getting the loan. the inquiries are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have never applied for credit until XX/XX/XXXX when I was declined for credit from XXXX XXXX ( Awaiting decline letter ). My godmother helped me request a credit report and most of the information is wrong on Experian and I can not even access XXXX XXXX or XXXX do to mismatched information. I need help immediately. I am trying to get my permanent id card ; I only have the temporary. While I was XXXX, I no longer resided at the address the permanent card was mailed to it was returned to the DMV. By the time I was able to get it, all DMVs had closed due to Covid-19. The reopened this week. 
Based on my Experian report ( the only report I could obtain ) I never lived at the following addresses : o XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX My year of Birth is XX/XX/XXXX o Experian shows XX/XX/XXXX I have never applied for credit, which includes the accounts on my Experian report, there should be no accounts or hard inquiries o XXXX XXXX o XXXX o XXXX o XXXX XXXX o XXXX o My only hard inquiry is XXXX XXXXXXXX ( XX/XX/XXXX ) There are soft inquiries for XXXX XXXX ( 17 inquiries ) and XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX   that are not mine. My only soft inquiries should be : o XXXX XXXX ( XX/XX/XXXX ) o XXXX   XXXX ( XX/XX/XXXX ) o XXXX XXXX XXXX   ( XX/XX/XXXX )
Product: Credit card or prepaid card

XXXX XXXX Points were clawbacked from my American Express Account I tried asking american express to reinstate those points since I have closed the card as I have moved out of US for a while and wont be able to use the cards. 

XXXX refused to do so claiming I was trying to game the system!
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with XXXX XXXX XXXX requirements under the XXXX XXXX XXXX XXXX XXXX ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was my XXXX submission of complaint to Experian Bureau notifying them that I was a victim of identity theft, this was another request to block and remove the inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Bureau was required to block and remove any items not later than XXXX business days after the ( XX/XX/XXXX ). Ive already included this report in my previous letter & I am including it again. Also, the data the Bureau provided on some inquiries are UNKNOWN to me and was already REMOVED from other bureaus and so I was having some doubts about the reporting accuracy the Experian Bureau showed in my credit report : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is to inform the Bureau if they do not BLOCK AND REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Bureaus accountable for willful refusal.
Product: Debt collection

During the first week of XX/XX/XXXX, my wife received a phone call from Transworld Systems Inc ( TSI ) stating they were collecting a debt of approximately {$17000.00} from me in connection to an XXXX XXXX XXXX  accident that occurred on XX/XX/XXXX. She explained that I am in the US XXXX and was XXXX overseas from XX/XX/XXXX through XX/XX/XXXX and did not rent a car from XXXX during that timeframe. On XX/XX/XXXX, I received a letter from Transworld System Inc which included paperwork from XXXX XXXX XXXX XXXX detailing the original renter 's information. The driver associated with this account is simply NOT ME! His last name is my first name and his middle name is my last name but that's where the similarities stop. His address listed on the paperwork they sent me is an address I've never lived at in a city I've never been to. A cursory credit report check shows I've never lived at that address. A DMV records search that my drivers license number is not the same as that of the person who rented this car. In fact, a 2-minute XXXX search gave me a pretty good idea of where the actual person they're looking for is. I explained this over the phone but I'm still receiving letters for a debt incurred by someone else. TSI is being irresponsible and unprofessional, even negligent, by finding someone with a similar name and focusing attention on the WRONG PERSON. I shouldn't have to prove that was overseas serving my country at the time they say i was wrecking a rental car. 
Phones calls made to TSI simply led to endless transfers and automated responses. I attempted to complain via their website in accordance with the directions outlined in the cover page of the letter they sent me ( attached ) but the website requires a registration code provided by TSI to log on. No such code was provided.

In short, TSI has incorrectly identified me as the person who owes XXXX XXXX XXXX {$17000.00} and now I am unable to contact them that settle dispute.
Product: Debt collection

I received a phone call from Convergent a debt collection agency that I had two outstanding energy bills in XXXX Tx about two weeks ago. I have never lived in Tx only in California. One company was XXXX XXXX XXXX XXXX XXXX acct # XXXX for {$990.00} and the other was XXXX XXXX XXXX acct # XXXX $ 371.01.Not sure how someone got a hold of my information where they resided at XXXX XXXX XXXX XXXX # XXXX XXXX Tx XXXX. I have a notified the XXXX Police dept. report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to let you know that on XX/XX/XXXX /, I bought in XXXX XXXX XXXX, this vehicle is identified with the VIN : XXXX. I made this purchase at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Unfortunately, I have been having problems with the account due to the treatment given to the payments made and the way in which my account is managed by financial department. 
I asked to them to proceed to eliminate the notifications of late payments of my credit report for the months of XXXX, XXXX and XX/XX/XXXX because I have kept making weekly payments and I have never stopped making them and they reported to credit boreau without consider my explanation and notification to the company. 
You can see in the attached monthly report the status of my account. These notifications to the credit companies have negatively affected my credit scort in a significant way. 
I want to express to you that I have never refused to make payments or answer the received calls and I have explained the notification in my account that in these months my mother in XXXX has been under medical treatment and this has affected my personal budget. 
Attached copy of my account statement that checks the status of my account for today 's date. Additionally, I ask to them to extend the payment for the months of XXXX and XXXX and they refused to approve both month and I need to adjust my income to continue to cover my commitment of payments.