23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX XXXX, and I have been a victim of identity theft. I found out about this on XX/XX/XXXX, and immediately filed a police report and contacted all relevant agencies and creditors of the fraudster. All except the ones below have recognized this as identity theft. 
A recent credit report on me from Transunion, however, still contains many inaccuracies, including XXXX loan accounts taken out by the fraudster : XXXX with XXXX XXXX credit union and XXXX with XXXX XXXX XXXX in XXXX OR. I telephoned both credit unions about these accounts in XXXX, and notified Transunion of the identity theft. Apparently, however, they persist in charging me with this false debt. 
I again wrote to Transunion, XXXX, and XXXX in XX/XX/XXXX, including the police report I filed in XXXX, bank statements proving that I lived in XXXX OH when the fraudster opened these accounts in Oregon, and other proof documents. They still have failed to remove these fraudulent accounts against my name, and my credit record, previously spotless, is sufferring.
Product: Credit reporting or other personal consumer reports

I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from the advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX- Debt Final Rule 1002.142 ( b ) ( 4 ) -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605 C. of the fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Transunion. Please delete the following accounts. Any accounts not promptly removed ; I will escalate this matter to the appropriate legal authorities. I expect WRITTEN CONFIRMATION by XX/XX/year> confirming that the fraudulent XXXX XXXX XXXX account and any related unauthorized inquiries have been fully removed from my credit. AccountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX of 2022 I submitted a dispute with XXXX 's National Consumer Assistance Center regarding account XXXX XXXX. This account has been reporting inaccurately for almost two years now. Every time I try to dispute this account, XXXX update the account with new information and the information that's being updated is still inaccurate. According to the FCRA, I have the right to an accurate credit report and this account has been a burden in my life because of the way the account is being reported. It's been reporting inaccurately for almost two years now and it's continuing to be updated with inaccurate information. This account is also being reported inaccurately across all three major consumer credit reporting bureaus. XXXX along with the other two credit bureaus Equifax and XXXX is violating my rights. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit Union of North Carolina State Employees to be exact is reporting old information. They have received the property back plus, charged off the account, and is still reporting on since XX/XX/2014. This account has been written off why is SECU violating me on this matter of still be compensated for an account that has been written off plus has received property back over 7 years ago. Please cease with the illegally furnishing allowing me to still lose on deals because of this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. 
Acct # XXXX XXXX XXXX XXXX. 
Acct # XXXX XXXX XXXX XXXX. 
Acct # XXXX XXXX XXXXXXXX XXXX XXXX 
Acct # XXXX XXXX XXXX XXXX Acct # XXXX Has violated my rights. 
XXXX XXXX XXXX XXXX XXXX. StatesI have the right to privacy. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
States : No consumer reporting agency may make any consumer report containing any of the following items of information. Other than records of convictions of crimes which antedates the report by more than XXXX XXXX 
XXXX XXXX XXXX XXXX ( A ) ( XXXX ) 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

This complaint is against Bank of America regarding false and erroneous banking practices. Bank of America is duplicating charges in my checking account. On XXXX/XXXX/2020 I paid XXXX XXXX from my Bank of America checking account {$650.00}. The transaction cleared and posted to the checking on XX/XX/2020 as paid. On XXXX/XXXX/2020 a duplicate transaction for {$650.00} was debited to my checking account by Bank of America this caused my account to become overdrawn by {$51.00} and I now have no access to my money to go grocery shopping. I called XXXX XXXX, the merchant, and they only have one payment in the amount from me of {$650.00} not two as Bank of America is reflecting in my checking account.what is more is on Friday XXXX/XXXX/2020 my debit card was cancelled due to fraud in the amount {$710.00}. The fraud was cleared up on XXXX3 days later. If my debit card was cancelled on XXXX/XXXX/2020 how was my card debited a second time on XXXX/XXXX/2020 four days later in the amount of {$650.00}? there is NO way for XXXX XXXX to charge my card for {$650.00} from a debit card that was cancelled four days previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid 3 items and they are till on report. XXXX, XXXX and XXXX  XXXX XXXX XXXX just updated the account The other 2 are paid
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 USC 1681. 

I told XXXX and Transunion reinvestigate these accounts : Account name : XXXX XXXX  : # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. Also I filed identity theft and furnished a police report with my letters to each agency. XXXX  is the ONLY bureau that is updated and correct and does NOT have any of these accounts listed above. How can one bureau hold the correct information but the other two have complete misinformation.

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.
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case I have attached my updated XXXX and previous letters to XXXX N Transunion
Product: Student loan

I had a really hard time finding a job out of college and Navient exploited the situation. They continued to say that I did n't qualify for forbearance or deferment because I used everything up while in school. They then would not allow me to enroll in income based repayment saying that my loans were n't eligible. I have over a years worth of late payments, around 75 because they reported each loan individually so I was late 11 times each month. I can not get out of my parents ' house now. Rent is too much and a bank will not loan me money for a $ XXXX house due to the late payments from Navient. They ruined my life over me not being able to find a job that would pay me enough to pay them what they wanted. On top of that, they take the minimum amount of money and apply it to my loans with the lowest interest rate. My loans with the highest interest rates barely get anything applied to them. Every year my principle balance goes up and I pay half my pay every month to them. I will never get my loans paid off at this rate.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in APR 2023 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained a new copy of my credit report while going through it carefully I noticed that on several accounts Experian has placed in the 'Status Details ' in the 'Your Statement ' area. This is evident because other accounts have this placed in that area. <P/>I have not noticed until now that it is suppose to be the outcome results but they have deceptively placed things that I have not authorized to be there, nor made a determination to those exact statements that are used by CRA 's placed there. <P/>These accounts are XXXX XXXX with a statement that reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher. <P/>XXXX XXXX : Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX, which I never disputed there is a statement that reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher XXXX XXXX XXXX, which I also never disputed there is a statement that reads : Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX XXXX, in which I had 2 accounts because one car was lost/stolen and that was the one was disputed but the current account that is listed I did not dispute however it has a statement that reads : Your Statement : Account previously in dispute - investigation complete, reported by data furnisher I do not understand why statements of this nature are being placed as if I suggested this in the manner and context of this verbiage. You as an advocate on my behalf to ensure that accurate and truthful information is being reported. I believe that you definitely understand that this IS NOT accurate reporting.
Product: Credit reporting or other personal consumer reports

Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Chase Credit Card has flagged my account for the late payment. My XXXX payment is scheduled to pay on XX/XX/XXXX and there was no payment due when I checked the account. I never received any phone call, invoice from them stating that my account is past due. This account has been closed since XXXX and I've been making {$150.00} payment since then. 

XXXX XXXX payment history I've made all the payments on time it's showing as 85 % payment on time. My account is not delinquent. Also, I requested XXXX Chase XXXX to change my payment date multiple times toward the end of the month and it was never done. 

XXXX Chase XXXX informed that I am behind on my payments and they stated that because I owe {$150.00} on XX/XX/XXXX. I told the XXXX  that why are you asking for a payment in advance because the due date is so far. I feel like they have been pushing clients so much to collect a big amount instead on focusing on monthly payment and flagging the account for no reason.
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 error restitution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulateion E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violation
Product: Consumer Loan

the company Westlake financial is not reporting my creditthey received information that was needed on a joint applicantXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter back in XXXX of 2022 and today as well to remove the incorrect addresses off of my consumer report. According to the Fair Credit Reporting Act 12 USC 1681. I have a right to privacy. Also according to 15 USC 6802. Financial institutions are not supposed to share my information to third party people nor are they suppose to report inaccuracies. 

These are clear violations of my federally protected consumer rights.
Product: Checking or savings account

I used an atm at XXXX in XXXX owned by XXXX on XX/XX/XXXX. I did not get my money ( XXXX ) out of the atm within the allotted time so the ATM locked my money and my bank Chime is refusing to credit the money back to my account.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX, Take this number XXXX out of your XXXX atomated calling. You have no XXXX reason to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are not able to get coverage by our warranty company for an incorrect judgement in our file. We are the ones who won the judgement Not the ones given judgement against. Can not reach any one at credit reporting agency ( Experian ). We can not close sales without this and is about to close our business down due to their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$4500.00}, {$12000.00}, {$1000.00}, {$4400.00}, {$1800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education discharged all my student loans as of XX/XX/2022. The total of {$39000.00}. XXXX removed the loans from my credit report. TransUnion refuses to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting bureaus do not report accurate scores. I understand that scores differ a little on each report but my scores are too different. It is interrupting my attempt to repair my credit and stopping me from having good credit. My XXXX score as of XX/XX/2018 is : XXXX XXXX score as ofXX/XX/2018 is : XXXX Experian score as of XX/XX/2018 is : XXXX  I need this to be fixed. It seems like a scam to keep me from enjoying the benefits of good credit.
Product: Credit reporting or other personal consumer reports

I requested information from XXXX XXXX XXXX that was given deadline like correct balance, monthly payment the amount is still inaccurate on my credit report even though XXXX, XXXX and XXXX says they investigated just because company said that it was accurate that don't mean their right seems credit bureaus work with the companies instead of the facts
Product: Money transfer, virtual currency, or money service

I simply tried to change my password, after 3 attempts the account was locked so I called Western Union trying to get assistance too unlock the account. I was told to give another email to get the link. I received nothing at the other email. I called at XXXX for 17minutes, no result. XXXX for 17 minutes, XXXX for 23 minutes and XXXX for 39 minutes all to have my account deactivated. I had spent hours trying to access my account all to be told that it doesn't exist. my final call at XXXX was the final straw. I was told that I would recieve an email in 72 hours. My cousin lives in XXXX, all I wanted was to check on the wire transfer.
Product: Debt collection

I paid a collection off in 2019 which was less than {$200.00}. The collection agency was close enough to drive there and pay in person. I paid in person and was told that it will be removed from my credit report in a few weeks. It has yet not been taken off my credit report.
Product: Credit card

I received my first billing statement from SYNCHRONY CAR CARE I spoke to XXXX XXXX XXXX they offered a 24 month promotional financing. I got my first billing statement and it shows 24 months financing. I get a email on XX/XX/2023 stating I called to update the promotion financing. I called SYNCHRONY CAR CARE on XX/XX/2023 advising them I never made a call to them to request a different financing only to be told it was not offer to me. I was too by the merchant XXXX XXXX XXXX he could offer me 24 months financing, I even have it in a text message from them. I