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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Equifax 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 a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$7700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with  XXXX   XXXX   XXXX  in  XX/XX/XXXX .  XXXX   XXXX    XXXX   charged-off and sold this account to  XXXX   XXXX  in  XX/XX/XXXX . The  XXXX   XXXX   XXXX  account is still reporting on my credit file with all credit reporting bureaus.  XXXX   XXXX   XXXX  is not reporting that once the account was sold to  XXXX   XXXX   XXXX , it was settled and paid off. Also,  XXXX   XXXX   XXXX  is not reporting how long this account will be reported to the credit bureaus. In otherwords, the portion of the accoount listing that says " On record until '' is missing for this  XXXX   XXXX   XXXX  account with  XXXX ,  XXXX , and Transunion.   XXXX  I wrote  XXXX   XXXX   XXXX  in   XX/XX/XXXX  but  have not received a response.
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 tak timely and effective measures to prevent ar 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 error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

XXXX XXXX noticed unauthorized charges to Wells Fargo account. I called local police and have incident number. Officer 's report state account was closed in XXXX. I was told WELLS FARGO would take care of matters relating to this 8 year late notification with my name and incorrect address. I do not know this ID THIEF. 

Wells Fargo did nothing to help me. I never received any mail regarding unauthorized use of my name/ssn/address. The IDENTITY thief 's name was on all my credit reports with current debt collection agencies attempting to collect in my name. I 'm too old for XXXX nonsense. 

Wells Fargo did not follow legal procedures for additional account holders. No verification of ID or signature or presence in the bank. I would never authorize this thief. He continues to use my information which I 'm trying to clear from my credit reports. 
Wells Fargo took care of itself. Not the customer. I closed my account with them yesterday. Goodbye to them. Additionally, we called XXXX XXXX to place a fraud alert for XXXX XXXX and XXXX XXXX XXXX  Wells Fargo did not block them and we can not access them online or phone, long wait times and we do n't have accounts. XXXX XXXX transferred us to Wells Fargo Fraud, transferred us to Fraud Detection, THEY WERE THE RUDEST people we have had to consult with to resolve this matter. 

Additionally I have identity fraud for XXXX, XXXX and XXXX XXXX XXXX on my credit cards. Do these companies report to Credit bureaus? WELLS FARGO says I 'm guilty when they have no proof when I ask them to reverse the charges. I do n't have time for XXXX or XXXX. We notified the police about the skimmers at XXXX XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX, XXXX, CO. 

Something has to be done about these XXXX. This is very time consuming and disruptive to me and my family and work.
Product: Credit reporting, credit repair services, or other personal consumer reports

dear transunion, these inquries are fraudulent please delete.
Product: Debt collection

I have a Collections on my credit report dated XX/XX/XXXX form Credence Resource Management account # XXXX in the amount of {$4900.00} from XXXX. On XX/XX/XXXX I completed a police report for Identity Theft to the XXXX XXXX Police Department Case Number XXXX. I called XXXX and gave the police report case number regarding account XXXX in the amount of {$4900.00}. The account was opened from XX/XX/XXXX to XX/XX/XXXX from the address XXXX XXXX XXXX. I then filled out the Fraud Affidavit that was sent to me and mailed and faxed it back to XXXX in XX/XX/XXXX. It was removed from my credit report ; only to return on XX/XX/XXXX from another Collection Agency. I have been a loyal XXXX XXXX XXXX customer since XXXX. I have never ever lived at this address. I have been a home owner living at the same address for 17 years. I have never owned a business or have been a business partner with anyone. When I spoke to XXXX XXXX, the Supervisor at Credence Resource Management, he stated he couldn't do anything but take my information and send out another packet for me to fill out and send back in. This could take up to 30 days. The only way he received my information is from XXXX for a delinquent phone bill. This was supposed to be resolved. It is not. It keep reoccurring. I was also advised by Mr. XXXX  that XXXX has forwarded/sold this to three other Collection Agencies before his Agency got it.
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 violates the consumer financial protection act. Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. These actions have caused significant inconvenience and financial loss. I seek appropriate compensation at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still reporting my XXXX  XXXX XXXX account ending in XXXX on my credit file I just received a letter from XXXX XXXX XXXX stating that they changed the opening date of when I opened the account to XX/XX/ which then means that it is past the 7 year mark that it should be on my credit file and I now want it to be removed immediately from my credit file from all three credit bureaus please I will include a screen shot of the letter I received from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each bureau by certified mail and have unverified accounts on my report. Here are the accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  / XXXX XXXX # XXXX, XXXX. XXXX XXXX # XXXX
Product: Checking or savings account

Here 's a clear explanation of what happened, following the guidelines you mentioned : -- - In mid-XXXX, I opened a business account with Truist Bank for XXXX XXXX  XXXX XXXX XXXX XXXX. For several months, the account functioned normally, with deposits, payments, and withdrawals processed as expected. However, in XX/XX/XXXX, without prior notice, Truist froze my account. I was unable to access my funds, which severely disrupted my business operations. 

I immediately contacted Truist 's fraud department and provided all necessary documentation proving the legitimacy of my transactions. Despite these efforts, Truist delayed the release of my funds for an extended period, causing financial hardship for my company. 

In early XXXX, Truist closed my account without offering a valid explanation or providing evidence of any violations of their terms. They also attempted to pressure me into signing a Hold Harmless agreement, which would have waived my rights to take legal action against them. I refused to sign this agreement, as it would have stripped me of my legal rights. 

As a result of Truist 's actions, my business faced severe disruptions, and my banking record was negatively impacted, making it difficult to open accounts with other financial institutions. I am seeking resolution, including an investigation into Truist 's practices, correction of any negative banking reports, and a formal explanation for the closure of my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 Ive been using the XXXX XXXX XXXX ( over the Internet ) by trying to send a few dollars to my relative in XXXX. As usual, the XXXX XXXX has done a good job, counting and giving me a final bill. All I have to do is left is to drop off the money to the agent. No additional fees. 

Around XXXX XXXX I have stopped by the XXXX XXXX XXXX to ask them if they are the agent of the XXXX XXXX and can I drop the cash here. Since then, for about the forty minutes I have been harassed or/and discriminated by scam artists from XXXX XXXX XXXX. 

The employee of the XXXX XXXX XXXX. Mr. XXXX XXXX ( and two more of the employees ) has attempted to defraud the myself by violating my civil and constitutional rights as well as trying to trick me by demanding financial and personal information in addition to pretended services, as well as attempted to defraud by trying with intent to obtain property ( cash ) by false or fraudulent representation. 

At the end of the forty wasted minutes they have produced me a bill of fraudulent {$320.00}, which was {$19.00} more then the original XXXX XXXX bill. 

Next, I have been trying to contact the XXXX XXXX XXXX. Customer Service That is very poor customer service! The pirates from the XXXX XXXX XXXX saved and protected by their Very Poor Customer Service. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone : XXXX Fax : XXXX Website : https : //www.amscot.com/
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$4400.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00}.
Product: Credit reporting or other personal consumer reports

It's my understanding that FCRA 605B mandates the elimination of any incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts are inaccurate in their reporting.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXXXXXX XXXX XXXX XXXX XXXX - The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Debt collection

On or around XX/XX/XXXX I started to receive harassing phone calls and letters from numerous credit card collection agencies about a dozen or more credit cards that were illegally opened in my name starting back in XXXX thru XXXX. I disputed all of them thru XXXX, XXXX, and XXXX and all but Discover Bank have investigated and confirmed that it was a true case of Identity Theft and removed them from my credit report. All except for Discover Bank. I continue to get hauled into court beginning in XXXX and the case continues to drag on and cause me medical issues. There is no stopping these people and they continue to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was Contacted by  XXXX   XXXX   XXXX   XXXX  that Equifax has me listed as deceased and i must correct that before they would consider a Car Loan.     Submitted a dispute to Equifax on  XXXX / XXXX / 17  to correct the information. As of today information has not been corrected, and still unable to apply for  a Auto Loan.      Checked today  XXXX / XXXX / 17  list my dispute as expired. Dispute # is  XXXX .     Tried submission of anothe  r Claim today, was unable.
Paid {$7.00} for a credit score, than it stated it could n't provide me with a score. But am able to get a Credit Summary, not a score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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, not later than 4 business days after the date of receipt by such agency of - ( 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 ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Fraudulent accounts XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fraudulent inquiries XXXX  XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX  date of inquiry ( XX/XX/2022 ), XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX XXXX date of inquiry ( XX/XX/2022 ), XXXX XXXX XXXX  ( XX/XX/2022 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and found the item to be in error. I want to dispute the following inaccurate information that appears on my XXXX  credit report. The error which prompted this credit report dispute includes late payment on XX/XX/2017, ALLY FINANCIAL. I am kindly requesting ALLY FINANCIAL to remove this late payment from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

It has come to my attention, that Fair Collections and Outsourcing ( FCO ) stated on XX/XX/2021 that the above referenced account was assigned to their office. As a consumer, I have the right to ask that this debt collector show and provided to me proof that FCO has the legal right to collect. Fair Collections & Outsourcing is in violation of my rights as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the inaccurate information on my credit report that has negatively impacted my life. Specifically, I am disputing the information reported by XXXX XXXX XXXX  ( account number XXXX ) that states I was 60 days late on XX/XX/XXXX when I did not miss any payments on the account. 

These inaccurate reports have caused me significant emotional distress and have made it difficult for me to obtain credit and loans at reasonable rates. Despite disputing the inaccurate information with the credit reporting agencies ( CRAs ), no action has been taken to correct the errors. 

I believe that these actions by XXXX XXXX XXXX and the CRAs violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Specifically, I believe that the following sections have been violated : Section 607 ( a ) of the FCRA, which requires that CRAs maintain reasonable procedures to ensure the accuracy of the information in consumer reports. The inaccurate reporting by XXXX XXXX XXXX could be seen as a violation of this section. 

Section 623 ( a ) ( 2 ) of the FCRA, which requires that CRAs promptly investigate disputes filed by consumers about the accuracy of their credit reports. Despite disputing the inaccurate information, no action has been taken to investigate and correct the errors, which could be seen as a violation of this section.

Section 623 ( b ) of the FCRA, which requires that CRAs provide consumers with a free copy of their credit report once every 12 months upon request. Despite requesting a free copy of my credit report, the CRAs failed to provide me with one, which could be seen as a violation of this section.

Section 312 of FACTA, which requires that creditors and financial institutions implement procedures to detect and prevent identity theft. If the creditor failed to implement adequate procedures to prevent the inaccurate reporting of your credit information or to prevent identity theft, this could be seen as a violation of this section. 

In addition to these violations, I would like to share how these inaccuracies have affected my life. I have been denied loans and credit cards due to the inaccurate information, and have been forced to pay higher interest rates and fees. This has caused significant financial strain and stress, and has made it difficult for me to achieve my financial goals. 

Therefore, I am requesting that XXXX XXXX XXXX remove the unverified account from my credit report, and that the CRAs promptly investigate and correct the inaccurate information. I believe that enforcement of the legal requirements is necessary to ensure that creditors and CRAs accurately report credit information and protect the rights of consumers. 

Thank you for your attention to this matter. 

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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

accounts have been closed with my money, I was not able to contact someone thru XXXX. Acconts closed with no explanation