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

On XX/XX/year>, I filed a dispute with Equifax regarding inaccurate and unverifiable information on my credit report. The disputed accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite providing supporting documentation and clearly explaining the inaccuracies, my dispute was erroneously classified as " frivolous '' on XX/XX/year>, and the credit bureau refused to conduct a proper investigation. This is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), which requires credit bureaus to investigate any disputed information unless the dispute is without merit, which is not the case here. 

In addition, I requested specific details of the verification process, as permitted under the FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). However, Equifax did not provide me with this information or demonstrate that it conducted an adequate reinvestigation. Pursuant to the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be removed from the credit report, but these accounts continue to appear without verifiable evidence of its accuracy. 

This lack of a reasonable inquiry and refusal to provide verification evidence has negatively affected my credit profile. This has caused unwarranted financial harm, as well as being in violation of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which requires creditors and furnishers to ensure the accuracy of reported information and conduct full investigations when disputes arise.

As a result, Equifax has breached its legal obligations, affecting my credit history and denying me my rights as a consumer under the FCRA. 

Recent Legal Precedent On XX/XX/year>, the CFPB imposed a {$15.00} XXXX fine on Equifax for failing to adequately investigate consumer disputes and for ignoring consumer-provided documents. This precedent highlights the importance of strict compliance with the provisions of the FCRA and ensures my right to demand fair and documented verification.
Product: Debt collection

On XX/XX/, I was scammed. I made XXXX payments to XXXX XXXX for {$360.00} and XXXX payment to XXXX XXXX for {$15.00} for tickets for XXXX XXXXXXXX. The tickets never arrived. 

I immediately called Venmo to report the scam reference number XXXX. They made a reference number and said someone will be in touch. Venmo also said to call bank to put a stop on the charges. The next call was to XXXX XXXX. The fraud department put a hold on these charges due to tickets not being transferred. 

On XX/XX/ regards to reference number XXXX XXXXXXXX Venmo thanked me for making them aware of the scam activity. Venmo says, Sounds like the person you were transacting with did not fulfil there end of the transaction. In the email they let me know they are freezing my account because Venmo couldn't recover funds for the payment to XXXX for {$170.00}, XXXX for {$170.00} XXXX XXXX for {$20.00}, XXXX for {$15.00} on XXXX 

Venmo acted on their own behalf and sent the funds to the intended recipient but could not debit the funding source selected which was my bank. This is because Venmo told me to call my bank and put a stop payment on these fraudulent charges. 
My bank XXXX XXXX ending in XXXX had a stop payment on these transactions due to Venmo 's direction and XXXX XXXX XXXX fraud department for never receiving tickets. 

Venmo is now asking me in order to unfreeze my account and not have this debt sent to collections to pay Venmo {$370.00}. 

If you have any questions please feel free to reach out XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am full class/ automatic group of the XXXXXXXX XXXX XXXX  XXXX. I applied for XXXX in XXXX, XXXX, XXXX, XXXX. My loans were to be forgiven, and removed from my accounts, FSA and credit report XX/XX/XXXX. Navient has missed the dates for removing them from the account and keeps giving me the run around that they dont have too. 

These need to be removed immediately from all accounts and credit bureau. 

Im reporting this to the judge XXXX, Attorney General and filling more complaints with the XXXX.
Product: Credit card

Hi! I traveled to XXXX XXXX from XXXX XXXX and was planning on renting a car from XXXX XXXX XXXX I went to the office to rent, but the cost came out to {$300.00} vs the {$100.00} XXXX expected to pay, so I did not go through with this purchase. I rented a car with a different company instead. However, I had already handed over my credit card and XXXX had all my information because I booked a reservation online. 

XXXX stole my credit card information to pay for a rental car even though I did not authorize this transaction. I never received a rental car from this company. However, they charged my card despite this. They used my personal information to validate this charge, but this was all fraudulent. 

I have never disputed a credit card charge in my life. I have never opened a fraud case before. I strongly believe against this charge because I never received a rental car from this company. They forged my signature and created a fake receipt of a rental car. 

I opened a dispute with Chase to report this fraud, but Chase has refused to listen to me despite XXXX attempts to explain the situation. They say they have proof that the charge is valid, but have not given me any proof except the fake receipt and forged signature. I have explained the situation to them and they do not talk to me directly. This is why I am filing this report. Thank you very much. I am an extremely honest person and truly can not stand by this company scamming people in such a way!
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I am writing to submit a complaint regarding the permanent limitation that was recently placed on my PayPal account, linked to the email address XXXX. I believe that this limitation has been placed by mistake, and I would like to request that PayPal re-investigate my case and restore my account, if possible. 

Firstly, I would like to clarify that I have not violated any PayPal policies. As a responsible PayPal user, I have always followed the guidelines provided by PayPal and have not engaged in any activities that are deemed inappropriate or illegal. Therefore, I believe that the permanent limitation on my account is unwarranted. 

Secondly, I strongly believe that this limitation is a result of an error on PayPal 's part. I have reviewed my account history and have found no instances that could have warranted such an action. Therefore, I request PayPal to re-examine my account and investigate any possible errors or discrepancies that may have led to this decision. 

Finally, I request that PayPal restore my account to its original status as soon as possible. I have always relied on PayPal for my financial transactions and the sudden limitation has caused significant inconvenience to me. I would be grateful if PayPal could expedite the re-investigation process and restore my account as soon as possible. 

Thank you for taking the time to consider my request. I look forward to hearing back from PayPal soon. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I am disputing the following items on my Equifax credit report : XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX - {$710.00} XXXX XXXX  XXXX - {$1100.00} XXXX - XXXX - {$0.00} These accounts are inaccurate and unverified. The XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX  accounts have either incorrect balances or do not align with any records I have. The XXXX account reflects a {$0.00} balance, raising questions about the accuracy of its reporting. Despite disputing these items multiple times, no action has been taken to resolve them. I believe these discrepancies may be the result of a possible data breach, compromising my personal information. The presence of these unresolved items has caused significant emotional stress and is negatively impacting my credit score and overall well-being. I have attached an identity theft report for your review, and I respectfully request these items be removed from my credit report to prevent further harm to my health and financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XX/XX/2021. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. Mr. XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact Mr. XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
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 Peotection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to protect and address fraud on their platform, leaving my account in harm 's way of others and unsafe.. Furthermore, their dispute resolution process was unfair amd deceptive as they dis not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a great deal of inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  put a fraudulent credit card on all credit reports the credit card was paid and up to date with a {$27.00} late charge I looked at the credit report and whoever had the fraudulent account had made payments all the way up to this month.
Product: Credit reporting or other personal consumer reports

While checking my personal credit report, which I acquired fromXXXX, Transunion, XXXX. I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX XXXX XXXX bank on XX/XX/year>. 
I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX at XXXXXXXX XXXX to XXXX XXXX. Payment to XXXX XXXXXXXX on CASHAPP. I've contacted my bank and my bank told me that they couldn't assist me in any way. My best solution was to contact CASHAPP customer service. Cashapp customer service told me to fill out some information. Once the info was all filled out, they me they couldn't refund me the unauthorized charge sent me a link to find out why I wasn't refunded, and gave me a case number. The link sent me to an email that needed my case number. After sending my case number, I never received a response back. It's been a couple of days and I resent my case number. To no avail, the cooperation has completed ghosted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXXXXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

My debt with XXXX has been paid off for over a month and I have been contesting it several times and submitted evidence of payment since the debt was paid through the Department of Treasury but they refuse to look into it and update the status ; they keep showing it as past due, which is not. Tresury Department says it is paid off, as does XXXX. The original collections company does not hold this debt and therefore they do not have access to the debt information. This has prevented me from an FHA loan only because the credit bureaus refuse to actually look into this situation.
Product: Credit reporting or other personal consumer reports

I requested via email written statements for each account and a XXXX from an attorney XXXX XXXX at XXXX @ XXXX on XX/XX/year> which I never received and then my account was sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


01 XXXX XXXX XXXX XXXX {$190.00} XX/XX/19 Inquiries : XXXX  XXXX  XXXX  XXXX
Product: Checking or savings account

XX/XX/2022 someone has open a checking account online with Wellsfargo under my name. They transfer out {$25.00} from my account to the account that they open. It was such a low amount and I was out of town visiting my family so I didn't notice. 
XX/XX/2022 there was a tele-transfer from my account to the fraud account {$5000.00}. I call Wellsfargo same day to clarify that I did not make the transfer nor have open the account. Wellsfargo said they will freezed the fraud account. 
I received a mail from Wellsfargo dated XX/XX/2022 that all activities on fraud account is froozen Received a letter from Wellsfargo dated XX/XX/2022 that the resolution for the {$5000.00} is consider authorization therefore the case is closed. 
I went to Wellsfargo branch XX/XX/2022 with the letter and spoke to the banker regarding to I did not open the account nor make the tele transfer. The banker look at my account and saw that the account was open online, debit card is sending to XXXX NY and XXXX withdrawals were made in XXXX FL. He then called the fraud department and asked to be re-evaluated. 
A banker called me XX/XX/2022 with case number and said they will give resolution by XX/XX/2022. 
During the wait time I logged in to my online account and go thru unread messages from Wellsfargo. I saw that someone has change my email in my online account without my knowledge therefore I never receive any notification. The XXXX address also were added on there. 
XX/XX/2022 I went to the branch again to speak to a banker about the resolution. He said they will stick with the decision, it wasnt a fraud because its my account. I spoke to the manager at the branch and he said the same, he has to follow his higher. I asked them if I open the account how come when I log in to my online account I never see that fraud account on the menu? They answered sometime you have to manually add it on. I asked them for the print out of the fraud account and the account number so I can make a police report. They provided me with the account activities of the fraud account and an affidavit for identity theft. 
I saw on the account XXXX withdrawls. 
1. {$1000.00} XX/XX/2022 in XXXX FL 2. {$2400.00} XX/XX/2022 in XXXX FL 3. {$1000.00} XX/XX/2022 in XXXX FL . 
Ive called Wellsfargo right after I saw the fraud tele transfer to report fraud transfer and non authorization of the fraud account on XX/XX/2022, but the theft can still withdrawal XX/XX/2022. 
I also saw the message in my online account that Wellsfargo sent out another debit card to the XXXX address XX/XX/2022 which is more than a week of reported. I feel very disappointed of how the bank is handling things without seeing any red flags. I am disappointed on their decision of fairness consider I have banking with them almost 20 years.
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report with Experian, XXXX XXXX, and XXXX contain account transactions that I do not recognize. The information contained in the reports do not match any transactions made by me. I have also been receiving calls from creditors which I know nothing about. 

Because of this, I have filed an identity theft report. I never gave any written consent for any of the companies being reported to furnish any of my identifying information to credit reporting agencies. I also never gave Experian, XXXX XXXX, and XXXX any consent or authority to obtain and utilize my identifying information. The credit reporting agencies are supposed to take reasonable procedures to ensure that they have proper consent and authority to report a consumer 's identifying information. 

I am not happy that my identifying information has been compromised and that the credit reporting agencies have overlooked this. These actions are considered to be criminal and are completely unfair to me.
Product: Vehicle loan or lease

I received a vehicle loan with Bank of America for a used vehicle in XX/XX/XXXX. This loan was paid off in full XX/XX/XXXX. I wait a couple of weeks for the title. I do not receive and I call. They tell me that they sent it. I ask for the address and they sent it to a completely made up address despite having my address on file and that they can not send me a new title. I tell them to send me a new title ASAP as I need it. On XX/XX/XXXX, instead of sending the title they send lien release notice. I then tell them this state does not accept anything but the title. They have me submit a request for title which is done by XX/XX/XXXX and I receive an automated response that this takes 12 or so days. It is now XX/XX/XXXX and I still have yet to receive my title.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account number 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 ) Also states A consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

I told the company, Credit Acceptance Corporation, that I wanted to voluntarily repo my vehicle. It was towed away by my apartment. I notified CAC where to pick up the truck. They never got it. The tow company got a mechanics lien, retitled the truck and sold it. CAC sent one notice in XX/XX/2023 saying I owed {$24000.00} when the payoff was {$13000.00}. CAC continues to add delinquent marks on my credit report, with no way for me to settle the debt. They will not turn it over to collections nor can they be contacted directly. Their phone number goes to a medical life alret robo system. This is unethical and I will be continually punished for this with no way to make amends