23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

The recipient ( fraudster ) declare they are kind of debt company and offer the service that they can negotiate with the credit card company ( XXXX XXXX ) to bring down the credit balance. First they ask me for my credit card information and personal information which include online banking username and password because they says that they have to have the information to negotiate with XXXX XXXX. They use my account and make XXXX and wire transfer without my permission and declare that those are the payment for the service. After the XXXX XXXX and first wire {$10000.00} was taken out the wells fargo bank account.They do log in my account ( which XXXX XXXX may have the log in information and IP address for the fraudster. ) And they paid {$11000.00} by XXXX XXXX XXXX  XXXX XXXX account ending in XXXX. They wire out rest XXXX and make the same action for amount XXXX. The payments was showed successfully so I didnt report to the police ( when they make payments they will be a time difference when the payments go through ). 
I had called wells fargo and report the situation but they just keep transfer me here and there and let me wait for almost a month. The money was gone for a month and they just keep ignoring me. I cant even know whats the status.
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX XXXX DELAWARE CO DRS, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Transaction history is illegalaccording to 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report VIOLATION OF 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 

AND Privacy Act of 1974 ( 5 U.S. Code 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Product: Checking or savings account

I had a bank account with U.S. Bank and had can not express how regretful I am about EVER doing business with them. A compete and utter disgrace is how I espoused sum it up, from the terrible customer service where even supervisor will talk nasty to you and hang the phone up because they lack the information that their supposed to know. They allowed multiple different fraud cases on my account and not properly securing my account, I had to file police reports just to get my money back from fraud on my account that they neglected to see at time. Now they have closed my accounts unfairly and wont even allow me to access my remaining funds and are purposely procrastinating the situation I would like a formal apology and compensation for this tragedy called a business relationship
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed recently that equifax has allowed, through improper security management, the leaking of personally identifiable and sensitive information about me to unconcented 3rd parties.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. 

Please delete the accounts listed below : - Creditor name : XXXX. Date of the inquiry : 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with representative over the phone XX/XX/XXXX for dispute of late fees on accounts With XXXX  XXXX XXXX  Account # XXXX regarding a late fee from XX/XX/XXXX mention to them my consumer rights under USC 15 1666 ( A ) regarding Timing of late fees a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. the representative said they would do an investigation. I explained that would be fine. on XXXX I recieved an update that the file had been updated the late fee has not been removed. Under USC 15usc 1681 3 ( e ) No investigation was done with my neighbor, friends are family.
Product: Credit reporting or other personal consumer reports

I am requesting for your help in order for these inaccurate accounts reported on my credit report to be removed and I have been a victim of injustice and have been asking for your help on this matter based of the Fair Credit Reporting Act that I have read online.
Product: Credit card or prepaid card

late XXXX or XXXX XXXX I spoke with a rep at XXXX  XXXX XXXX XXXXXXXXXXXX XXXX, it was an oversight on being late with my last balance due of {$52.00}, i was on a deferred payment plan. I followed up after the call with a letter of hardship. The rep on the phone call agreed to drop one {$29.00} and kept one {$29.00} on the balance, bringing my balance to {$89.00}, I take care of my XXXX year old mother which has brought significant financial problems. My small balance was not intentionally over looked. Hurricane Irma struck on XX/XX/XXXX in XXXX XXXX Fl. I am in a six month forbearance with XXXX XXXX. It has been absolutely chaos in my home and the XXXX XXXX. On the first phone call I asked that my credit card be cancelled. Upon receiving my statement from XXXX XXXX, my balance is now {$150.00}. I presently have XXXX XXXX XXXX installing a XXXX XXXX as my mom XXXX XXXX XXXX. I proved my finances to them. I mentioned yesterday by phone to XXXX XXXX  that I have financial proof of everything. They refuse to bring my balance back to the {$89.00}. Even though the credit card was cancelled by me in good faith, I now read on line that they help hardship clients and disaster victims.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of XXXX XXXX. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an XXXX XXXX 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. 

XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Debt collection

I have had nothing but problems with this company, I have tried contacting the let them know that they are reporting to the credit reporting agency 's inaccurately. Each time I am met with a form letter and a note that they are going to add dispute comments. They are reporting this account as late every month even after it was sent to collections. And even after it was settled. I settled in good faith after finally receiving my XXXX veteran benefits without even questioning them, thinking they would accurately report. In my letter I simply let them know it was reporting wrong, they refused to fix it and added dispute comments to cra.
Product: Credit card

My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from XXXX XXXX credit bureaus on my credit report.
Product: Credit reporting

There was a federal lien on me that has been withdrawn by the IRS, but Equifax keeps reporting it as " released. '' I have disputed it twice and both time I received notification from Equifax stating that they verified the lien and the item is being reported correctly on my credit report. They refuse to remove the lien from my credit report even though the IRS has filed a withdrawal of that lien with the county court. I need them to remove that lien from my report because it is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a dispute letter to XXXX, Experian, XXXX to remove negative items.XXXX, Experian, XXXX then removed some negative items but not all. A couple weeks later these negative accounts were reported back on my reports inaccurately
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX - XXXX - XX/XX/XXXX - {$34000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an inaccurate bankruptcy entry on my credit report. Despite multiple requests, the credit bureau has failed to provide satisfactory evidence or documentation validating the accuracy of this disputed item. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), this validation is required, and sufficient time has passed without compliance. 

In my original complaint, I attached XXXX letters from reputable sourcesLexisNexis and the bankruptcy courtboth clearly stating that they did not provide this information to the credit bureau. Furthermore, XXXX confirmed the deletion of this erroneous data from their system. The bankruptcy court explicitly stated they did not furnish the information to the credit bureau. 

Given the lack of validation within the statutory period and the compelling evidence of inaccuracy, I demand the immediate removal of this bankruptcy item from my credit report in accordance with FCRA guidelines. 

The continued presence of this incorrect information has had severe financial and emotional repercussions, including the loss of job opportunities.
Product: Debt collection

XX/XX/18 XXXX called the work place of XXXX XXXX from XXXX. XXXX then disclosed information to a co-worker. XXXX never should have called the place of employment much less disclosed information. After this she threatened XXXX by saying " now i know were you work AND where you live! ". These are not acceptable practices by a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen when my car was broken into and this account is a result of identity theft. An auto loan was opened with XXXX XXXX XXXX in XX/XX/2015, The account now shows as a charge off of {$11000.00}. The company informed me they completed their investigation and the results remain the same. I have tried several times to resolve this with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This XXXX, XXXX XXXX has violated my rights under 15 USC 1681, section602 states I have the rights to privacy. 15 USC 1681, section604A section 2. It also states a consumer reporting agency can not furnish an a account without my written instructions. Under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization. 
**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**. 
**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Cr
edit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law.

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account that is being reported is identified as a repossession on XX/XX/2022 yet they continue to report late payments on XX/XX/2022, XX/XX/2022, and XXXXXXXX XXXX. Since the Vehicle was no longer in my possession it would be impossible for me to Default on the payments after the fact. I have the Right to an accurate credit file and discrepancies like this are unacceptable so please immediately remove this account and its entirety from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts recently to have the balance updated on 2 charged off accounts ; XXXX Credit Card and XXXX XXXX XXXX. I have sent multiple disputes to all three credit bureaus Experian, XXXX  and XXXX. They have all stated that they investigated and updated my results. I dont believe that they have investigated because they would have found in the investigation that the balance on the charged off accounts with XXXX  card services and XXXX XXXX XXXX should both be listed as {$0.00}. Both of these accounts have been sold to collection agencies. According to fair credit reporting practices, an account sold to a collection agency should not continue to report a balance owed. This is a direct violation of my rights under the FCRA.
Product: Payday loan, title loan, or personal loan

Received an email on XX/XX/XXXX stating that I was approved for a {$400.00} loan and that my first payment was due on XX/XX/XXXX. I immediately called the company from the email by the name of XXXX XXXX and spoke to a lady customer service rep and explained to her that, I did not apply for a loan from this company ever and asked what personal information of mine they had on file. She did give me my correct information but all the information was very old. The employer they had listed, I havent work there since XXXX and the address they have on file, I moved from in XXXX. The phone numbers are very old and has not been in service for like 4 years. The bank account that was on file has been closed for about 4 years also. I explained to her that someone has to be using my old information. She stated that she would speak with her supervisor and request payment to be stop from going into that old bank account. On XXXX/XXXX/2017 I received another email stating that my payment was returned by my bank for non sufficient funds ( even though the first email said payment due by the XXXX ). I called once again and this time the lady stated they were working to resolve this matter and I have not recieved a response about the outcome. As of today I went to their website to see if that account was closed but its still showing active with late fees. This is fraud and stealing off my personal information they probably bought from an old company. The IP address XXXX XXXX showing at the time the loan was accepted does not match my IP address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX acct # XXXX, Child support XXXX XXXX acct # XXXX, online in XXXX acct # XXXX, XXXX XXXX acct # XXXX, fXXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX  60/30 day late payments has violated my rights. 

15 U.S.C. 1681 section 602 A. States I Have the right to privacy. 

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report which they will not remove. I have provided my identification and proof of my residency and they have not complied with federal law. My name is XXXX XXXX there should be no other names or variations on my report because it is identity theft. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX there should be no other address listed remove them immediately its causing me to be denied credit because it does not match what is accurate.
Product: Checking or savings account

I tried several times with several different checks to use their app to deposit checks. Not only did it not work, they refused to allow me to re-scan my check and said I need to go to the initiating bank. I don't have an account at these other banks and they charge me fees to cash their checks. 

Also, I tried to use their system to pay my rent but they tricked my landlord into signing up for a chime account and it screwed up my rent payments.
Product: Checking or savings account

HI THERE its been more than 10 months now sine square deactivated my account and holding my XXXX $ first they sent me an email in which they told me to release my funds after 90 days after 90 days they sent me another email and told me that funds will be held for an additional 30 days Now all the dates has been passed but square is not responding me back and not releasing my funds also there is not a single chargeback on my account please understand we all have to die one day so I am a XXXX patient and need money badly if you do not release my funds I will be dead in next 10 days I will go to XXXX and then complain to Him what you people done to me I am crying and also cry daily too much time
Product: Debt collection

ERC ( Original Creditor : XXXX XXXX XXXX ) account # XXXX, item is not mine, contacted collectors, have not responded to dispute letters, or have not sent original documents to verify debt