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

I have sent multiple letters to the credit bureau requesting to to investigate a inaccurate account reporting to my consumer file. XXXX XXXX XXXX is the account reporting. Along with the letters I also included a FTC identity theft report. I requested the credit bureau to identify and verify the information reflecting my credit report. I have not received any response or results from my request. It has now been months and I have received zero response. According to The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, it is their duty to investigate verify any and all information reflecting the credit report. To date they have not done their duty as mandated by law. I am particularly concerned about the accuracy of the account information. I trust the Consumer Financial Protection Bureau will thoroughly investigate and address my concerns.
Product: Payday loan, title loan, or personal loan

I received a loan from regional finance and began making payments on the loan. Due to economic hardship, I began having problems making on-time payments. I made payments that I could and worked with the company to refinance the loan. The company has appeared to lose my paperwork on XXXX separate occasions which have resulted in failure to refinance the loan. As a result, I have had the company call my work and personal cell phone non-stop disrupting my ability to work. I provided proof that all documentation was supplied as requested. 

Additionally, the about to refinance and assist me is now higher than the original amount borrowed.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 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.

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

After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.
Product: Credit card or prepaid card

Hi, Per myself and Mrs/Ms XXXX 's ( excuse me if misspelling is involved ) on XX/XX/XXXX, I was told to resubmit the documentation to dispute and reconsideration my unauthorized/fraudulent activity illegal committed on my money network account resulting in my funds being stolen. 


My home was burglarized in XXXX police report # XXXX, in which the " theft '' my XXXX XXXX phone was utilized in to create a passcode with my Sim card ( which is a card in my phone that had my phones number & personal information [ is what XXXX police Sgt explained ] to utilize my full identity to autheicate me to fraudulently steal my funds. I also was a victim in XXXX of " identity theft '' in which my credit file now is required to have a " seven year '' updated fraud alert placed on it for my protection, in addition to my credit/personal information being found on the dark website as recent as XX/XX/XXXX, and as long as XXXX. 


I'm kindly requesting that my information be reviewed and money network and XXXX XXXX of the legal liaisons do their due diligence ( no offense ) in investigating my documentation and reversing my funds so my family and I can be, not recompensed, but made whole, as to our prior state when the IRS ( who has on their file the discrepancy and informed me to contact money network to be made whole ) distributed our stimulus. I will not stop, until my legal rights of due diligence are upheld, respectfully. 
( I've sent in additional Documentation yet the company will not provide a refund nor provide valid reasoning as to why my funds are being stolen with no reprimand ) Thank you.
Product: Checking or savings account

I have fraud in banck of america some body was using my cars and withdraw money out of my acount they are telling me it takes 10 to solve the problem but i dont have dos 10 days because my client can saw me for not making there order on time and the money that was withdraw are from my clients ... and we are talking abot almost {$5000.00} dolars ... i nee help
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a formal complaint to all XXXX credit bureaus ( Experian, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX in regards to reporting inaccurate and incomplete credit information in reference to the Fair Credir Reporting Act, Section 609 ( a ) ( 1 ) ( A ). 

On XX/XX/XXXX I submitted a second dispute letter in reference to the same issue via no update. 

It has now been passed 30 days and no investigation results have been emailed or mailed to me.
Product: Credit card

It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 15 USC 1681 : 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 

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: Debt collection

I received a letter by mail from Medical Revenue Service ( XXXX XXXX on XX/XX/year>2024 indicating a balance of {$50.00} is owed on Account # XXXX. On XX/XX/year>2024 I sent an email disputing the debt and requested validation because the debt is not mine. Then, on XX/XX/year>2024 I receive a letter from XXXX XXXX dated XX/XX/year>, that my dispute was received on XX/XX/year>2024 for Account # XXXX for balance {$8.00}. XXXX XXXX letter goes on to indicate they have continued their collection activities within the 30 day period the alleged debt is disputed by furnishing information on this debt to credit reporting agencies and based upon my dispute, XXXX has requested the reporting agencies update the information requested to reflect the account disputed. 

The account referenced in XXXX XXXX letter is not even the account from the initial communication with me, the consumer. The supporting documents to the letter further serve to validate Account # XXXX has a {$0.00} balance. Likewise, Account # XXXX has a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

Per the Privacy Act of 1974 and 15 USC 1681b- permissible purpose, all 3 credit reporting agencies ( Experian, XXXX XXXX XXXX XXXX are in violation of my federally protected rights by reporting child support on my consumer report AND in my credit file. Child support payments and collections are NOT extensions of any credit, purchase money loan, installment loan, or other consumer transactions and should be removed from my consumer reports AND credit file. This is also in violation of UDAAP, FCRA, and FDCPA.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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. 

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

Discover is reporting inaccurate information to XXXX XXXX XXXX regarding an identity theft account that does not belong to me. I have sent all documentation validating that the account is not mines and they have refused to stop reporting inaccurate information. This is a violation of the FCRA laws and I will be force to sue if they do not stop reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting

I have been trying to get Equifax to do their job and update this incorrect information on my credit report. Equifax continues to update my credit report to show that I owe {$410.00} to XXXX for XXXX. I do not owe this money ; I paid this account over a year ago and provided Equifax with a copy of the cleared check, which was deposited by XXXX in XX/XX/2016. Equifax 's inability to do their job has cost me the opportunity to purchase my first home. Please help me hold them accountable for doing their job and removing this inaccurate information from my file immediately. I have attached copies of the check which was credited to XXXX ' account.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be updated.

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 EXPERIAN 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 XXXX 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

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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

sent ftc to experian with all the non accounts that were not mine XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I noticed information being furnished on my consumer report regarding utilization and late payments. I have reached out to the creditor and the reporting agency, regarding the inaccuracies and unfairness. I requested that the late payments and utilization to be deleted due to privacy. The information being furnished on experiences and transactions are supposed to be excluded from consumer reports. Consumer reporting agencies are supposed to report accurately by the guidelines given in the fcra and they are not doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted the following : XX/XX/2021 Letter to TransUnion updating personal information and removing names I am not associated with. Transunion is still reporting false names. 
XX/XX/2021. Letter to XXXX updating personal information and removing names and addresses I am not associated with. XXXX is still reporting false names. 
XX/XX/2021 Letter to XXXX updating personal information and removing names and addresses I am not associated with. XXXX is still reporting false names. 
XX/XX/2021. Letter to Transunion and XXXX regarding Fair Credit Reporting Act, asking to validate a debt. ( XXXX ) I have not heard back and is still reporting on my credit report. 
XX/XX/2021 Letter to XXXX asking for Debt Validation. ( XXXX ). No response as of today. 
XX/XX/2021 Letter to TransUnion to verify a debt. ( XXXX ) No response as of today. 
XX/XX/2021 Letter to XXXX, Transunion and XXXX to validate information on the report. ( XXXX ) No response as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CREDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS.
Product: Student loan

I am a XXXX in Oklahoma who gets paid once a month on the XX/XX/XXXX- always have and always will. XXXX has known this since XX/XX/2012 and has NEVER allowed me to change my due date to the XX/XX/XXXX. Even now, when I am having a major water leak, no running water in our home and after being defrauded out of almost {$1000.00} by corporate greed in XX/XX/XXXX- I also have a new student loan payment to contend with. I need help to get my family back on our feet again- this couldn't have come at a worse time. I applied and was denied a XXXX XXXX that can be used unlimited number of times with no explanation. I deserve that if anyone does! We appreciated greatly the forbearance this past year and we desperately need another length of time to finally secure some vestige of a financial future despite my egregious loan amounts. I'll NEVER be able to even pay a dime of the principal, I've dedicated my life to XXXX and kids ... and since Student Loans are the ONLY debt no one can EVER get rid of- We suffer - year in and year out because I went to college right when it was most expensive and least valuable. Now I commit my life to kids and my community and give back EVERYDAY with no hope of ever getting out from under my {$140000.00} in student loans. I borrowed about {$45000.00} total. The rest is fees, interest, and money the Federal Government is making off me ... a guy making {$31000.00} a year. Can someone please help us get a forbearance or debt cancellation. How can we live our lives under this incomprehensible debt? Being forced to pay a bill 4 days before payday that you can not afford is a recipe for more lost funds for my family! Please help us- we may be forced to move soon and need help!
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and Experian pertaining to a credit card with XXXX XXXX XXXX acct # XXXX for the date of last activity, payment history, status * and the dispute was returned verified. After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to XXXX, Experian and XXXX may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this Notice includes Identification of the specific information being disputed XXXX, Experian and XXXX reporting for Acct Number : acct # XXXX The basis for the dispute : For Payment Status XXXX is reporting Charge-off, XXXX is Reporting Charged off as bad Debt, while Experian is reporting Unpaid balance reported as a loss by credit grantor. For Worst Delinquency XXXX is reporting Bad debt/collection, XXXX is showing Not Reported, and Experian is reporting Charge off/Other Derog. On XXXX Acct # XXXX status is closed, but reports payment history with a 90+ Days Late only on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on Experian XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no dates were reported on XXXX. Also, for the Close Date XXXX is reporting XX/XX/XXXX as a close date while XXXX and Experian are not reporting a close date at all. For Date of Last Activity, XXXX is reporting XX/XX/XXXX ; However, XXXX is reporting XX/XX/XXXX and Experian reported as Not reported and closed as charged-off without a date of last activity. Also, for Terms XXXX and XXXX are not reporting while Experian is reporting Revolving. Lastly, for High Balance XXXX and Experian are not reporting anything while XXXX is reporting a high balance of {$450.00}. 


I have sent them excerpts of my credit reports showing how these accounts are reporting
Product: Checking or savings account

There were MULTIPLE charges to my account that were not authorized by me totaling XXXX. I made a dispute, and within the next couple of days it was denied. Do you guys even do your research? Wells Fargo should be shut down for their deceit when it comes denying claims. Im 100 % sure they dont actually do the research required to make a decision.
Product: Credit reporting or other personal consumer reports

multiple violations. 

I am a victim of identity theft as a result of a data breach. This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. 

Despite my multiple attempts to notify Clarity, XXXX, XXXX, Experian, XXXX, and XXXX about this identity theft and data breach, they have failed to block and remove the inaccurate and unauthorized information from my credit report. Under FCRA 15 U.S.C. 1681c-2, I have the right to request that fraudulent information be removed from my credit report when I provide proper documentation, such as an FTC Identity Theft Report. 

Also Under Mississippi state law, the statute of limitations on debt collection is three years. The credit reporting agencies have violated this statute by continuing to report and collect on accounts that are past the legal statute of limitations. These accounts should have been removed from my credit report and should not have been pursued for collection beyond the three-year limit. 

Clarity, XXXX, XXXX, Experian, XXXX, and XXXX have violated my rights under the FCRA by reporting inaccurate, outdated, and unverifiable information on my credit report. 
I request Immediate blocking and removal of all fraudulent and unauthorized information from my credit reports with Clarity, XXXX, XXXX, Experian, XXXX, and XXXX An investigation into the violations of the Fair Credit Reporting Act ( FCRA ) and the Mississippi statute of limitations by the credit reporting agencies and the debt collector. 
Enforcement of my consumer rights, ensuring that no further unauthorized or illegal reporting occurs on my credit report.
Product: Checking or savings account

I received a letter from Synchrony Bank indicating that an account was closed. However, I never opened the account. Calling their customer support phone number was not helpful. 

After resetting my password online, I found that a fraudulent account was created with a mix of my information and someone else 's information.
Product: Checking or savings account

I have had a checking account at Citibank for more than 2 years. In XX/XX/2021, I made a transaction through citibank with XXXX, an agency managed by XXXX. in less than an hour cancel the transaction. XXXX never reimburses me part of the money. I made the claim with them without results. They never responded. They tell me the money was refunded and they didn't send me a refund receipt. Then I started the claim with citibank and even to date I have only been able to recover only half of the missing amount. citibank asks me for documents that I have repeatedly sent them. and they don't give me my money back. I don't know where my money is and nobody knows where it is. What else can I do?