23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I have also attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information.

They state my account was verified but how is that possible if they did not do a proper investigated according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : - XXXXXXXX XXXX account # XXXX - XXXX XXXX account # XXXX - XXXX account # XXXX - XXXX account # XXXX - XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 15. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX**** Account Name : AFFIRM XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a company called MoneyLion reported false information to my credit report.I have previously been in contact with this company to inform them that what they are doing is not ok.My balance on XX/XX/2022 and well before that was {$170.00} and some odd cents but they reported my balance to be {$210.00} and also reported that I am XXXX  days late when that is NOT the case.This error has caused my XXXX XXXX to decline in the amount of XXXX points and should be corrected immediately! They have continued to report inaccurate info for the duration of me having the credit builder account and this is a PAID SERVICE.I would highly appreciate the incorrect info to be deleted all together.We are still in a pandemic and I am currently trying to secure housing for myself and XXXX children.There is no way I will be able to purchase with MoneyLion continuing to damage my credit in the manner that they are.This company claims to build your credit while you are paying them monthly and they have not done anything but damaged mine with false info.Your prompt attention to my concerns would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 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 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 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 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 card or prepaid card

AMEX XXXX I'm tired of this. We want to move on with our lives. 

It is against the law to exchange money for XXXX in the state of Texas. Period, full stop. I have clearly stated XXXX activity occurred and furthermore it was NOT CONSENSUAL. 

I can either a ) not be forced to pay for my own XXXX, or b ) file with law enforcement against the business. 

Either way, the receipts are the exchange of money for XXXX.
Product: Credit reporting or other personal consumer reports

The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation.

I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
SEE ATTACHED
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is TRANSUNIONs responsibility to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 22 inaccurate late payments for the XXXX XXXX account XXXX. These include a 30 day late payment posted in XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX and XXXX XXXX, and a 60 day late payment posted in XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Re : XXXX XXXX XXXX, Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

They have failed to VALIDATE ANY DEBT
Product: Mortgage

This is a fairly new refinance loan. ( approximately 3 months ). The first payment we made to our previous mortgage company, XXXX XXXX, which they forwarded and that payment was made. Second payment, we wrote check for {$1500.00} and the new mortgage company, PHH Mortgage, processed it for {$1500.00}. We checked with our bank and they have received the {$1500.00} and we have tried to get the {$80.00} ( {$79.00} ) we rounded it to {$80.00}. They are making it difficult to pay these monies, and are now saying we are behind the one entire payment. Our bank has also disputed this with them because they have indeed been paid {$1500.00}. Therefore, we will be sending the {$79.00} in a check because they won't allow us to pay online! We just want our payments processed correctly, on time, and not to penalize us with late fees or poor credit, because of their errors! Please help us with this unfortunate problem.
Product: Debt collection

I've contacted MidAtlantic Finance about this bad debt on multiple occasions ; my last attempt being Monday, XXXX XXXX. When trying to discuss this debt, I spoke with customer service rep XXXX XXXX ext. XXXX ) who hung up on me mid conversation 3 times in a row. She was extremely rude and unhelpful. I told her multiple times the laws broken by the company in reference to the TILA, FDCPA, and FCRA. She told me she did not care about the laws. I sent in a cease and desist letter. Ultimately, I spoke with the manager ( ext. XXXX ). He was a lot less rude, however, his ultimate answer was that he could not help me, and told me I need to sue the company.
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting AcXXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 or other personal consumer reports

Good evening my name is XXXX XXXX. I am a victim of identity theft with these items negatively affecting my credit report. I was previously incarcerated, during that time there extremes amount of debt accumulated in my name without my knowledge. So therefore meaning that the debt is not mine. 15 U.S. Code? 1692e states " A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. This debt is being reported falsely. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have been a Bank of America customer for over 14 years with a " XXXXeferred Customer '' status and hundreds of thousands of dollars in annual transaction. We take financial responsibility very seriously and have never been behind or defaulted on payments. Our credit scores were immaculate and in the 800 's until ruined by Bank of America for the following reasons : In XXXX of XXXX, our bank accounts were hacked into by unidentified individuals. This was immediately reported to Bank of America after which all our checking and saving accounts and credit cards were shut down. We later opened new accounts with the bank and transferred our accounts and credit cards over. Unfortunately, Bank of America failed to transfer one of our credit cards to the new account which resulted in our inability to access our statements or balances. In XXXX of XXXX when we applied for a mortgage, we realized that Bank of America had reported this credit card balance to the credit reporting agencies as " delinquent '' which prevented us from obtaining a mortgage without prior notification. 

We immediately paid our credit card balance once we found out about this issue via email and asked Bank of America multiple times to either give us access to our credit card information or send us statements. Bank of America stated that they " would not normally transfer credit cards over to a new account '' but they agreed to send us paper statements. This is clearly false as they had transferred other credit cards to our new account. They have also sent us notification letters in the past regarding our credit cards but failed to send us a proper and timely notification about this credit card. They later closed down our credit card inexplicably and again without an advanced notification. 

We have reached out to Bank of America multiple times to seek an explanation and a resolution. Regretfully, our efforts have been unsuccessful as of yet. 

We kindly request that you investigate this complaint as the Bank 's actions appear to be in violation of the Fair Credit Reporting Act.
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 ( 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations. 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

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXXXXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XX/XX/2022.
Product: Debt collection

I was sued by Credit Management in XXXX XXXX. I am currently making payments as they threatened to take me to court for garnishment. I never received any notification in the mail about the debt, or court date. Was just serves with judgement to pay after the fact. Now they are sending my husband and I duplicate bills for the same amount, but different debt id numbers so they are trying to collect twice. My husband was making payments to them as well, but our local court dropped all claims and payments as they were found guilty of misconduct so it voided my husband of his debt and court costs
Product: Credit card

I hold an American Express Corporate card, which advertises a benefit of a {$100.00} credit on an American Express Gold card. According to the terms stated on the application link, this credit should be received upon opening the account and annually upon renewal while maintaining the same Corporate Card account. 
However, when I contacted customer service to claim this credit, I was informed that it would only be applied after the first year. This directly contradicts the information provided on the application link, which clearly states the credit should be received immediately upon opening the account and annually thereafter. 
Despite requesting clarification and policy documentation, the representative provided a link that reiterated the same message, reinforcing my initial understanding of the benefit structure. The links says " Receive a {$100.00} Personal Card Annual Credit on your Gold Card account, upon opening an account, and every year after renewal when you maintain the same Corporate Card account. '' This discrepancy has led to frustration and a feeling of being misled. I expect financial institutions to honor the terms and benefits they advertise to their customers accurately.
Product: Mortgage

Suntrust now Truist I have requested, several times, to be removed from their Mortgage Covid Relief program. I originally requested to be removed from the program in XXXX. I sent in two written requests in XXXX. 

Suntrust now Trust will not remove me from the program and they continue to send me notices that they are continuing the program for me. I do not want to be on the program.
Product: Debt collection

XXXX XXXX Capital one XXXX XXXX XXXXXXXX XXXX XXXX late payments XXXX I've reached out to these companies and told the companies and bureaus they are inaccurate information those are fraud accounts I have inaccurate late payments on my auto loan Actions need to be taken against these companies
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$9100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$9000.00} XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I disputed transactions for services I never reneged from a scammer. It was initially found in my favor and then overturned. I submitted an email stating that a refund was due to me. I am due the refund for the XXXX XXXX charges.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$700.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$440.00} Open Date XXXX XXXX, XXXX
Product: Debt collection

On XX/XX/23 Navy federal withdrew {$100.00} 3 times from my checking account for an account that I was XXXX old. Md law 5102c states that debts older then XXXX XXXX years old are no longer able to be collected. They never spoke with me they just withdrew without my consent causing me to overdraft on XXXX payments. When I called to explain the law the gentleman said that law did not matter they can go in at anytime to pull money when they want to regardless of how long ago the debt was.