23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries.

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

Hello, I previously filed a complaint concerning Equifax data not matching in the reports housed on myequifax.com in the daily reports and the Dispute Center. Now, I have also found serious reporting issues on my Annual Report.

You will find my current Equifax Annual Report attached. I highlighted my XXXX and XXXX account because the Age of Account is not correct. The Account Age is short by 1 year for each account. I also attached a screenshot of the account information for each account to show the Date the Account was opened.

This is a serious matter because creditors make decisions based on the Age of Accounts.

Even more serious issue is concerning the Equifax Dispute Center data that I attached. The Age of Accounts is grossly inaccurate compared to what is in the Annual Report. I am not sure what Equifax is reporting. If the Age of Accounts is grossly off on the Dispute Center, I am not sure what they are reporting to the world. 

I need the date corrected on the Age of all my Accounts before end of day Friday, XX/XX/2022, or I am going to send the Equifax CEO proof of these serious issues. Also, I am going to take off a day from work and go sit outside the Attorney General 's office until he listens to what I am telling him about all of these data errors. This is very disturbing. There are too many mistakes. 

NOTE : I ONLY CHECKED THE AGE OF ACCOUNTS FOR MY " REVOLVING '' ACCOUNTS. THE AGE OF ACCOUNTS COULD BE WRONG ON THE OTHER ACCOUNTS AS WELL. 

ALSO NOTE : DO NOT ADD A DISPUTE REMARK ON ALL MY ACCOUNTS AS THAT MIGHT REFLECT NEGATIVE ON ME. PLEASE JUST FIX YOUR DATA AS I HAVE ASKED PREVIOUSLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The following personal information is incorrect
    
        Previous Address(es)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

2. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

3. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
4. The following personal information is incorrect
    
        Employers: NOT PROVIDED
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft due to a data breach.

Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following accounts and inquiries from my credit report, as they were opened or made fraudulently and without my authorization. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX first I used cash app for a transaction it turned out to be the wrong person however this person never accepted the payment I went to cash app and explained on XX/XX/XXXXXXXX XXXX I talked to XXXX  was told they'd look into it on XX/XX/XXXX I talked to XXXX told they were working on it XX/XX/XXXX talked to XXXX same thing XX/XX/XXXX XXXX same thing told me I should be aware who I send to XX/XX/XXXX talked to XXXX was going to reach out to their specialty team and escalate my case XX/XX/XXXX was told it could take up to 45 days ok XX/XX/XXXX talked to XXXX and XXXX again going to escalate the case after asking for everything all over again from XX/XX/XXXX to the XXXX talked to no one except the robot on the XXXX the talked to XXXX again asked for all information again same on XX/XX/XXXX when I talked to XXXX since then I have been blocked from support Now I have used cash app in the past and every time I have received an email stating the transaction was accepted I did not receive any that day of XXXX first therefore meaning the money was never accepted I tried explaining this and cash app just ignored it And cash app itself can not come up with where it was accepted therefore my money is out there somewhere Cash app refuses to refund me when I believe it would be their responsibility So who has my {$200.00} not the person who it was sent to Not me Cash app has to have it somewhere and I would like it returned I have also reported this to the better business bureau As I told them I will settle for nothing less than my money returned The case number for cash app is XXXX I would greatly appreciate any help you can give me my money is hard to come by when I receive XXXX And NOTHING LESS than my money returned Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of an unverifiable account from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, this pertains to the account identified as a {$380.00} charge-off with XXXX XXXX XXXX. 
After disputing this account with XXXX, their investigation was completed on XX/XX/year>. Following the investigation, XXXX deleted this account from my credit report, as the information could not be verified. If XXXX has removed the account due to its unverifiability, I urge you to take similar action and remove this account from my credit report promptly. 
Under the FCRA, all credit reporting agencies are required to ensure that the information on consumer reports is accurate, complete, and verifiable. Specifically : Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputed information. 
If the disputed information can not be verified as accurate, Section 611 ( a ) ( 5 ) ( A ) requires the credit reporting agency to delete it from the consumers credit file. 
Furthermore, under Section 623 ( a ) ( 1 ) ( A ), furnishers of information must not provide information that they know or have reasonable cause to believe is inaccurate. 
Since XXXX has deemed this account unverifiable and deleted it, I expect the same resolution from your agency. If this unverifiable debt is not removed within 30 days from the receipt of this letter, I reserve the right to pursue further legal action under the FCRA. 
Failure to comply with FCRA requirements may subject your organization to statutory damages, actual damages, court costs, and reasonable attorney fees under Section 616 and Section 617 of the FCRA. Additionally, if willful noncompliance is found, I may be entitled to punitive damages. 
To ensure a clear record of this request, I have attached the relevant documentation, including confirmation from XXXX regarding the deletion of the account. 
Please confirm in writing that this account has been deleted from my credit report or provide a detailed explanation of your investigation findings. I expect a response within the time frame outlined by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX XXXX ] Enclosures : 1. Copy of confirmation from XXXX regarding account deletion 2. Copy of my credit report showing the disputed account ( if applicable ) 3. Any additional supporting documentation
Product: Student loan

I was under a reduced payment plan for a reasonable amount per month that was affordable. I ran into some financial difficulty and called and asked for temporary relief, rather than place me in another plan with a lower payment ( {$50.00} a month ), I was offered forbearance. 6 months later, when I wanted to start to repay the loan again, my monthly payments had more than tripled. I asked to be put back on the same payment plan I just had and was told they had no record of that payment amount. There was nothing they could do to help lower that payment and I've been forced to be in forbearance or deferment every since.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I disputed the accuracy of account XXXX XXXX XXXX XXXX # XXXX with TRANSUNION due to inaccurate information. TRANSUNION stated the account was properly investigated. I am disputing the validity of their " investigation '' because of the inaccurate and unverified information listed on the account. This is a violation of the FCRA. Also, the " Date of Last Activity '', " Date Reported '' and " Date Opened '' are inaccurate ( please see attached document of the two credit bureaus showing different dates ). These dates should match since the Credit Reporting agencies are supposed to get this information from the same creditor/lender/collection agency XXXX This is grounds for the removal of this inaccurate account from my credit report immediately. Furthermore, they have violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ). The law is very clear and states if items are inaccurate or can not be thoroughly verified, the Consumer Reporting agencies shall promptly delete the account from the consumer 's credit file. They have also violated my rights under 15 U.S.C Section 611 ( 2 ) ( a ). The law clearly states the Credit Reporting Agencies or Credit Bureaus have five days to notify me they have received my dispute- they did not.
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, address and protect users from 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 Regulation E. These actions have caused significant inconvenience and financial loss/hardship and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX ( Mailing Address ) XXXX XX/XX/XXXX Bank of America Re : Reconsideration of Secured Credit Card Good Day, Ive been a customer with Bank of America since XX/XX/XXXX. 

I would like for youll to reconsider my application for a Secured Credit Card I applied for on XX/XX/XXXX and Declined on XX/XX/XXXX. The reason for my decline is not accurate as was noted on the decline letter. 

On XX/XX/XXXX I pulled my credit report from all three credit reporting agencies and it shows I do not have an open Bankruptcy and there are no claims open. Both of the cases listed on public record were dismissed in XXXX and XXXX. 

Also, its not accurate that I was attempting to file for Bankruptcy. Im not sure where this information was obtained but it was not from my credit report. Please provide me with detailed information on where this information was obtained. 

Im attaching a copy of my credit report from XXXX that was pulled from all three CRA Im attaching a copy of BOTH ORDERS from Bankruptcy court that both cases were closed 4-5 years ago Again, please reconsider my request for a Secure Credit Card with Bank of America. 
Thank you, XXXX XXXX
Product: Credit reporting

I attempted to contact a creditor who listed a hard inquiry on my Experian credit report number XXXX dated XXXX XXXX, 2016. The letter was sent via certified mail but was returned to me as " RETURN TO SENDER NOT DELIVERABLE AS ADDRESSED UNABLE TO FORWARD ''. I attempted to contact Experian via certified mail and provided a copy of my state issued driver 's license and United States Passport to support the investigation for possible fraud or identity theft. Experian has placed an extended fraud alert on my credit report and has caused security freezes affecting use of my credit and bank cards. This company has not provided me proof that any investigation was conducted and has failed to provide me with a copy of my credit report upon disputing the item with them by phone. I have sent numerous letters and have been unable to resolve this issue. I would greatly appreciate your assistance with this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Product: Checking or savings account

Today I deposited XXXX into my Chime Debit Account. They only gave me XXXX. So I called customer service and was on hold for twenty minutes for them to tell me they charged a brand new card that I had used like twice XXXX from XXXX which I didnt authorize. They then proceeded to tell me they fixed it but they havent. Chime has stolen XXXX from my spot me feature in XXXX. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus are reporting false inquiries made by people who were trying to steal my identity. There are hard inquiries on my record that do not belong to me.
Product: Money transfer, virtual currency, or money service

I originally sold a phone through ebay for XXXX which the buyer paid through paypal. Paypal contacted me and said the buyer filed a dispute with their bank and the bank sided with the buyer. Problem is XXXX  shows the item delivered and paypal shows that I was paid, which I wasn't. Now paypal is contacting me saying I owe them money for ebay listing fees since the item was sold. Paypal withdrew {$180.00} from my account ( fees for selling this item ) and I never received the money for the actual sale. Paypal website shows I was paid the {$1700.00} and that the case is close. I tried contacting Paypal and XXXX to no avail. XXXX says the phone was delivered so now I'm out of a phone and the money with no help from Paypal or XXXX. Paypal is the problem since they are the ones withholding funds for a phone that was delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time filling this complaint regarding this account that has been appearing as a negative account due to a Late Payment even though I was never late. This is the account appearing XXXX XXXX XXXX Take action and update the payment history.
Product: Debt collection

I am writing to you regarding a debt that your agency claims I owe. In accordance with my rights under federal law, specifically IS USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with written validation of this debt.

This includes, but is not limited to, the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A detailed explanation of the debt, including any interest, fees, or other charges.

Under 15 USC 1692g, I am entitled to receive this validation before I can consider any payment. Until you provide this information, I am requesting that all collection activities cease.

Additionally, I would like to draw your attention to 15 USC 1681q of the Fair Credit Reporting Act ( FCRA ), which prohibits the use of false pretenses to obtain consumer credit information. 
Any attempt to falsely claim a debt or to misrepresent the details of the debt would be a violation of this statute and could result in legal consequences for your agency. 
Please treat this letter as a formal dispute of the debt in question. 
Furthermore, I am requesting that you cease all communication with me regarding this matter until you have provided the requested validation. All future communications should be in writing and sent to the address listed above. 
I expect to receive this validation within 30 days of the date of this letter. Failure to provide proper validation will result in my pursuing all available legal remedies to protect my rights. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/XXXX I deposit a check in amount of {$30000.00} in my account at JP Morgan Chase Bank. On around XX/XX/XXXX I lost access to my account thru mobile banking app without any notices. On XX/XX/XXXX I spoke to bank teller where I deposited the check to find out why I was not able to access my account info. I was told that my account was closed and no other explanation as to why it was closed. I was given a phone number to call to find out more info. Same day I called that number and was told that my account was flagged for fraudulent activity after I deposited the {$30000.00} check. and they failed to verify the person/business who have issued that check. I gave them the phone numbers of the person/business who issued me that check. and they refused to call that numbers to verify because it does not match in their system. The check has been cleared and money is already withdrawn from the person account who issued me that check. Chase bank is holding that money hostage and refused to release those funds to me till they can verify the check or refused to deposit the money back to person account where it came from. They also failed to give me any kind of time lines to how long it will take to resolve the issue and I am in desperate need of money to pay my mortgage and other bill. I had spoke to Chase branch Manger and call the chase customer service multiple time since XX/XX/XXXX and still there is no resolve. Please Help
Product: Credit reporting or other personal consumer reports

Old addresses that continue to reappear no longer reside at XXXX XXXX XXXX, MI XXXX, as well as XXXX XXXX XXXX, XXXX XXXX, and haven't resided for the past 12 and 13 years
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not mine. its identity theft from someone else. i never had XXXX car. please remove this on my credit report. 


1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2017 with a credit limit of {$20000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for membership around 2 years ago and then at the end of that membership I was done and no longer wished to continue the membership as in the form of a paid membership. However no matter how many times I cancel it every single month they charge my card anyway. I just canceled it just 3 weeks ago again for like the 20th time and they continually are trying to charge my card. When you call to cancel it they say that it's canceled they tell you that it's canceled but then they also tell you that it's something else and then it's not canceled and then they always charge you to get argumentative over the phone they start answering questions with responses that go with completely other questions they're saying stuff that's completely irrelevant to the conversation then they get extremely condescending and in order to file a complaint they tell you that you have to write them a letter and send it to them in the mail. In order to get things completely erased and to delete my profile cuz I no longer even want to have a profile on file with them They say that in order to do that I have to do it and submit it in the form of a written letter with photocopies of IDs and photocopies of bills and original documents and none of this stuff is going to happen and it keeps the people trapped as having profiles I no longer want any business at all with these people and then they literally have me trapped and are going doing everything that they can to keep me as a member when I want to be completely severed from them I'm tired of contacting these people every month I'm tired of them telling me that I'm incorrect and that I'm ordering memberships to occur when all I have ever done is ask him to delete the memberships I want my profile removed from their account they say that my payment methods are removed the moment that my membership is is disconnected but if that were true then they would not be able to charge my account every single month and then you can't even log back into the account once they've decided to charge you for payment because they tell you that your bill is past due and you can't even log in until the past due amount is paid but there is no such thing as a past due amount when you don't even have a membership with someone. It's like a scam it's like a trap it's like keeping their grips on you when all you want to do is cut ties with them it's insane if anybody is reading this do not ever pay for membership with this company again take the free membership and then just sit there and when it tries to finagle you cuz the website is tricky in and of itself and it makes it look like you have to get to membership in order to get through always look for the tiny x in the corner because you can always get out of it But once you've made a membership you're stuck with it for the rest of your life unless you want to write letters
Product: Student loan

I have a student loan from 2000. Over the years I have had issues making payments. Every time I called Navient has steered me into deferments as my best option. I have deferred many times thinking it was in my best interest. Only to find out there were many other options that could have helped. After 21 years my loan amount owed has not moved in fact it has increased. I believe this is a shady act on Navient. How can I receive help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called numerous times about unauthorized inquiries and to get the removed. I also found that my information was shared in the XXXX EQUIFAX DATA BREACH. The account referenced is as below. 

Equifax XXXX XXXX XXXX XXXX XXXX