23daVinci/CFPB_Complaints huggingface dataset:
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

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

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 ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit report contains false and misleading information in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). Specifically, the report lists the bankruptcy court as the furnisher for an account, which is forgery and misleading since bankruptcy courts do not furnish information to credit reporting agencies. 

I contacted the courts in my state, and they confirmed they do not provide any data to credit reporting agencies. This means the reporting agency has committed fraud by misrepresenting the bankruptcy court as the furnisher for this account. 

Details of the violation : Data Furnisher Misrepresentation : A data furnisher is any entity that reports information about consumers to consumer reporting agencies ( CRAs ), including credit bureaus and tenant screening companies. Bankruptcy courts are not considered data furnishers.

Violation of 15 U.S. Code 1681s-2 : Despite multiple disputes, the so-called furnisher ( the bankruptcy court ) has never reached out to me, which confirms they have no involvement in this report. This shows the information is false and the reporting agency has been lying about its accuracy. 

Failure to Notify Dispute : Under 15 U.S. Code 1681i ( 2 ) ( A ), the reporting agency is required to notify the furnisher of a dispute within XXXX business days. The agency failed to do this and continued to falsely list the bankruptcy court as the furnisher. 

Account in Question : Bankruptcy - XXXX This account is reported inaccurately under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). The reporting agency forged the bankruptcy courts name as the furnisher, which is fraudulent. This account should be immediately deleted. 
I demand that this item be removed from my credit report immediately. If no action is taken, I will proceed with legal action for forgery, fraud, and violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm, is billing me for furniture I ordered and cancelled with XXXX hours ( this was an online transaction ) and the reason for the cancelation was the items I wanted to purchase was a bedroom set and a few other things, The bed did not come with a mattress so I decided to cancel the because for the price of the bed I think the XXXX should be part of the purchased. I paid a deposit of XXXX dollars and cancel the order the next day and affirm refunded my credit card but, they did not cancel the order and told me I had to take the items. I have not received any furniture from this company. 
XXXX of XXXX, I hired an attorney to have Affirm removed this negative item form my credit, No one at affirm will returned the XXXX call or responded to the emails. Below is my Attorney information I do not think I should have to pay for items when I cancel it and I should not force to accept items as well. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone No. : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Federal Tax ID : XXXX
Product: Debt collection

I wrote letters to Nelnet LNS, XXXX, XXXX and XXXX about inaccurate items on my credit report including duplicates with both accounts. I didn't get a response after 30 days about the inaccuate information.
Product: Debt collection

XX/XX/2019 My office received a call from Prosper. The person called from an XXXX number. The staff member was asked if this was XXXX and because it was a business phone and I am the manager and she was screening my calls, she said yes and without identifying the company calling or confirming my identity they proceeded to speak about my personal loan payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX XXXX, and Experian that they are reporting incomplete credit information on on account with XXXX XXXXXXXX XXXX. I demanded that the account be verified and it has been over 30 days since dispute letter has been sent out asking for completion of this inaccurate reporting. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information Is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

Account Has Not Been Updated Since I Paid It Off My Discover Debt. 
Paid In Full For The Amount Of {$400.00} Account Number Ending In XXXX
Product: Credit reporting or other personal consumer reports

I noticed some hard inquiries on my credit report that i did not respond or authorized and i would like them removed from my credit report this is from XXXX i had XXXX hard inquiries that i didnt authorize Discover financial services Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX  Inquiry XXXX XXXX Inquiry date XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX Inquiry date XXXX Discovery financial ser Inquiry date XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX Inquiry date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, otherwise known as XXXX XXXX XXXX, and I am writing your agency in response to an inaccurate credit reporting on XX/XX/2022. I received an Experian XXXX communication from the Experian mobile app which notified me that my FICO score has decreased by XXXX points. After careful review of my consumer report, it is not clear any derogatory credit transaction or account should have negatively impacted my credit rating in such a drastic manner.
Product: Credit reporting

Texas Office XXXX XXXX XXXX XXXX is reporting, 150 days delinquent on payment. Payment was stopped by the XXXX financial office 6 months ago, due to no required payment from me. XXXX began reporting on my credit report that I am delinquent, latest report XXXX, despite numerous assurances from XXXX staff the credit reporting would stop.
Product: Money transfer, virtual currency, or money service

I am suing Cashapp ( Blocked inc. ) for misrepresentation and knowingly allowing scams and fraudulent transactions occur on their platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called customer service on XX/XX/2020 to request Covid 19 assistant because I had lost hours at work due to the pandemic and was concerned I would not be able to maintain my account. The rep advised assistance would be granted XXXX through XX/XX/2020 and I did not need to make any payments at that time. The company them reported me late for all 3 months. I called several times spoke with multiple reps and supervisors and they refused to assist me with the removal. I reluctantly tried again in XXXX a supervisor finally requested a review of the call and reversed XXXX and XXXX negative marks but not XXXX stating I had a balance from XXXX. I advised I didnt get an E-statement for XXXX and when I spoke with the rep in XXXX she advised no payment was required. After escalating this issue beyond supervised to collections four times they advised to pursue filing a claim they refused to remove the negative mark for XX/XX/2020. I am extremely upset and feel this is unethical to misrepresent my payment history for you a internal error.
Product: Credit card or prepaid card

On XXXX XXXX  2018 I inadvertently made a payment to my closed XXXX   American Express Account, instead of my open Blue American Express Account.

American Express States the payment must have gone to my new XXXX XXXX Account.

I have written confirmation XXXX XXXX does not have the payment ; that AmEx no longer transfers payments to XXXX XXXX.

I have written confirmation from XXXX XXXX that the electronic payment was made to and accepted by American Express.

American Express refuses to give me any type of file number to reference this issue. American Express refuses to accept any of the written documents from XXXX or XXXX XXXX  concerning this issue from me.

I brought this to the attention of American Express and XXXX within 48 hours, as soon as I realized I had made an error. American Express keeps telling me they are looking into this. It has been over 2 months. How can a payment be made and accepted to a closed account???? This is causing a nightmare, I live paycheck to paycheck, and the snowball effect has now occurred, causing late fees to other accounts as I just do not have enough cash to cover the missing {$200.00}
Product: Payday loan, title loan, or personal loan

My childrens father lost their job over the summer and I told the agent this information when going to do the loan. I told him that I just need enough to pay my electric bill and feed my kids. They insisted I take the whole loan of XXXX even I expressed concerns of being able to pay it in a timely fashion. So when it first went to collections I was suppose to set up a payment plan of XXXX every two weeks to get it paid. I never received a conformation email so they never took their money and when I contact the actual establishment they sent me on a run around. So I waited for the phone call that it was in collections. XXXX XXXX called. His number ( XXXX ) XXXX Ext XXXX. He was very abrasive and rude. I was trying to understand why it was XXXX and why they would need to garnish my check if Im willing to pay. He told me I was irresponsible and this was also a bill that needed to be paid and I was telling him that the only reason it wasnt was due to my boyfriend loosing his job. He interrupted that conversation and basically forced me into a payment plan that is unreasonable for a mom to pay on top of bills. I want to settle the debt but they are no giving me a fair chance to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

First date of delinquency is XX/XX/XXXX and should be deleted. Report has XXXX as first date of delinquency which is incorrect. This date is part of the info they provided in a previous dispute but they are still refusing to remove. XXXX XXXX has confirmed that the complete payment history was provided and it's XXXX responsibility to report accurately.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Truist Bank d/b/a XXXX XXXX XXXX XXXX XXXX, GA XXXX Reference ID XXXX On XX/XX/2021, Truist Bank d/b/a XXXX denied XXXX XXXX XXXX the extension of credit. Credit is a Right of XXXX XXXX XXXX. XXXX XXXX XXXX is fully aware that credit reporting is voluntary, and XXXX XXXX XXXX gave no consent to any information that shows on the consumer report. ( Reference C.F.P.B. article attached ). This transaction was unfavorable, which makes it adverse, yet nothing under adverse action gives you the right to deny the extension of credit. XXXX XXXX XXXX is fully aware of what a credit card is. XXXX XXXX XXXX credited this transaction as a creditor from his credit card. Truist Bank d/b/a XXXX has committed a crime, XXXX XXXX XXXX 's credit card was used and there has been no benefit to him. XXXX XXXX XXXX has been misled through the conduct of Truist Bank d/b/a XXXX by concealing that which should have been disclosed which deceives and is intended to deceive. This transaction was a blatant discrimination of rights. 

Respectfully XXXX : XXXX XXXX Without prejudice, all natural inalienable rights reserved
Product: Checking or savings account

I stated banking with Wells Fargo early XXXX and this year XXXX was closed by them due to over draft payment. Also they wanted to charge me each month a fee of {$10.00} for banking with them when I signed up I had a promotion if I swipe my card 10 times my account was going to be free. Now I am unable to look at my statement for any documents through them. My Account has been closed. This past two years Ive been having a lot of issues with them. Ive been charge fee multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, law 15 usc 1681e ( b ) speaks about the accuracy of the consumer reports Consumer reporting agency 's produce! It must have maximum possible accuracy! Accurate means all values correct all information exact! So in general XXXX is furnishing inaccurate information on your consumer reports which is a direct violation of 15 usc 1681e ( b ). XXXX XXXX XXXX is reporting inaccurate Information on my credit and I put XXXX on notice. I would like to know the procurers of their investigation in written. XXXX deleted account and then reassigned back on to my credit filer which is illegal. See attachment. I also would like to introduce new exhibit showing reporting of this account out of compliance according to XXXX XXXX standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, i have a problem regarding my credit report with EQUIFAX only its a very bad company with no care about consumer report i have been trying to set up an account on my.equifax.com and when i log in it gives we can't process please call customer service so i add already screenshot of that screen, and i called customer service many many times with no care all are XXXX people doesn't care to fix, and even when i can on phone system after entered my SSN, DOB, Address it telling me we can't identify your identity, and i spoke couple times to Customer service they don't know what is my issue and ask me to send a copy of my ID with SSN copy to Equifax Office XXXX, Georgia, i did three ( 3 ) times with no answer to fix my identity, and that issue affect me when i apply for credit with few lenders like XXXX XXXX XXXX XXXX, XXXX, XXXX, so i gave up and submit this complaint maybe someone care and fix my identity so i can login my credit online and unlock or locked or see my report, so i only ask Equifax to fix my identity,
Product: Debt collection

Receiving phone calls from the National Credit Adjusters debt collection company. Their number, XXXX has come up on my work phone numerous times and I 've answered but no response on the other end until today at XXXX MST, XXXX/XXXX/2016, I received a call from this number and finally had someone on the other end, XXXX XXXX. He stated that they have called several times and when I told him that I did not recognize the creditor names and could not talk to him because I was at work he threatened to take legal action to collect on XXXX loans from pay day companies I do not recognize. He also stated that he spoke with me a while ago but I do not remember speaking with this company or the names of the loan companies he is collecting on behalf of. I asked him to send me something in writing and he insisted that they already did. I told him I could not speak with him at this time because I was at work and to please mail it again but he just kept repeating that they already mailed it and what was my plan... I hung up on him because he kept insisting and was becoming more agressive.
Product: Debt collection

On XX/XX/2018 I received a letter from JH Portfolio Debt Equities , LLC ( hereinafter Collector ). There was a misrepresentation of the type of debt specifically they called it a " loan ''. On XX/XX/2018 I faxed and mailed a dispute letter demanding validation of the debt. On or about XX/XX/2018 I received collectors documents pursuant to the demand for verification. Collector failed to validate the debt according to the XXXX standard found in XXXX v. XXXX, XXXX which requires a detailed accounting of the account. I had a credit limit of {$500.00} on this account and they simply show a starting balance of {$690.00}. I asked that they detail the amount shown and provide the information that would reach this amount. The dates of the account closing and this amount to not make sense. They failed to validate accordingly. In a letter dated XX/XX/2018 I informed collector they have failed to verify the debt. To date XX/XX/2018 they have not responded to that demand. Accordingly, they have failed to validate the debt, they reported it to the credit bureaus without indicating it was in dispute and they reported it BEFORE the validation period expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SYNCB/OLDNAV. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. the CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXXXXXX Balance : {$8600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EXPERIAN AND XXXX HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINEAND INACCURATE. 
ACCOUNTS : XXXX XXXX XXXX NOT MINE, PLEASE DELETE XXXX  XXXX XXXX NOT MINE, PLEASE DELETE XXXX- NOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXX NOT MINE, PLEASE DELETE
Product: Credit card or prepaid card

American Express has closed my account due my XXXX and my XXXX and Im a XXXX American guy work so hard to get approved for this and I called American Express few times to cancel the disputes that I didnt filed over the phone and rebill me so I can pay them and they were unable to do so. And they close my account and I had a Hilton honors card for a year made my payments on time and my credit reports shows no history of the account .. its totally empty and I filing this complaint because I felt discriminated and its very hard to reapply with this company
Product: Debt collection

I received a notification that there was a change to my credit report. When I looked to see what the change was, it showed me that there was a payment made on an account from Pentagon Federal Credit Union. The account has been charged off and written off which shows on my credit report and has for several years. I have not made any payments on this account whatsoever. The credit limit on this account is only {$500.00} yet it claims the highest balance of {$550.00}. This is not the first time they have claimed I have made a payment that I have not made and they are claiming this account was closed at customer 's request which I did not do. Companies like to state that the debtor made a payment on the account because then it restarts the time and which they can show the account on their credit. It is called reaging and it is a violation of the FCRA and California civil code ( I have resided in California for 20 years ). I did not contact Pentagon Federal Credit Union because in my recent research, they are not registered to do business in California so I can not file a small claims against them. I have to file against them in District Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting EQUIFAX for almost a year now trying to reslove ID THEFT issues. I have retained a attorney to assit in this matter due to EQUIFAX refusing to take any action and remove fraud accounts even with police reports and over whelming documents proving these accounts are fraud!!! They were all removed at one point and now or re-reporting. Equifax refuses to do anything even when i call the Office Of Consumer Affairs they do not help in any way. The following accounts are FRAUD and need to be blocked and are removed ASAP other credit agencies have removed and confirmed these accounts are fraud, why wount Equifax? 
1.XXXX Reported : XXXX XXXX, XXXX 2.XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX 3.XXXX XXXX 4 XXXX Reported : XXXX XXXX, XXXX 4.XXXX XXXX XXXX Reported : XXXX XXXX, XXXX 5.XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX 6.XXXX Reported : XXXX XXXX, XXXX 7.
Product: Credit card or prepaid card

On XX/XX/2022 I took my California Middle Class Tax Refund Card to the CHASE bank in XXXX, California to redeem for cash. I was informed that there would be a fee of {$5.00} to redeem the card for cash even though all the paperwork that I received indicated that the fee would only be {$1.00} I talked to XXXX bank tellers and they both told me that the {$5.00} fee is out of their control and that they must charge me this fee. On the local news that night a segment on " XXXX XXXX XXXX XXXX '' talked about the fee only being {$1.00}
Product: Debt collection

Received recurring phone calls from a company by the name of XXXX XXXX XXXX claiming fraud concerning an ace cash express account. First couple of calls were from New York. The last 20 calls have been from an unknown number. 
This message is intended for _______. My name is XXXX XXXX I'm contacting you in regards to paperwork I received in my office in regards to a pending allegation. Please appear to be originating in your local jurisdiction. simply (? ) getting you in a possible claim of fraud concerning Ace Cash Express account. This matter is directly affiliated with your name date of birth as well. 

Gave the phone number to call back : XXXX
Product: Mortgage

We are trying to remove PMI and have satisfied the terms of the mortgage agreement. 

The date the principal balance actually reaches 80 % of the original value of the property, based solely on your actual loan payments. We are past that point now and New Rez ( lender ) refuses to remove PMI.