23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have notified TransUnion numerous times about this XXXX Credit Card that is still reporting on my credit report. That balance was written off from XXXX last year. Once a balance is written off from the bank they claimed it to offset their business taxes. The bank has not updated TransUnion on this account. It needs to be removed from my credit profile. 

XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : Dispute of Inaccurate Late Payment Reporting on Car Loan I am writing to dispute the accuracy of the information on my credit report regarding late payments reported for my car loan account # XXXX, XXXX. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, it is unlawful to report inaccurate information on my credit report without my consent or proper verification. I request that this information be removed, and my account status updated to reflect " Paid as Agreed, Never Late. '' Additionally, 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ) specifies that reports containing information solely related to direct transactions or experiences between a consumer and a creditor are excluded from the scope of a " consumer report. '' The late payment notations on this account appear inconsistent with this definition and my actual payment history. 



To assist in resolving this matter, I provide the following relevant information : Account Holder Name : XXXX XXXX Account Number : XXXX  Dates of Disputed Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Given these facts, I formally request : 1. Immediate investigation of this dispute under FCRA guidelines.

2. Correction of any inaccuracies and update of the account to " Paid as Agreed, Never Late. '' 3. Written confirmation of your findings and any corrective actions taken. 







Please ensure that this disputed information is not reported to any third parties during the investigation. The FCRA mandates timely investigation and response, and I look forward to a prompt resolution. 



Thank you for your attention and cooperation. 



Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inade customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take the 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I Seek appropriate redress for these violations.
Product: Student loan

I have repeatedly emailed Mohela requesting refund of my payment ( made on time on XX/XX/XXXX ). Mohela has not answered emails sent on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or the one sent today. I filed a complaint with studentaid.gov and it has not been responded to, either. 

They would not miss charging me interest or hitting me with a late penalty if I were late, but they will not return my payment, and I would bet they don't pay me interest for holding my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

This insignificant company -- XXXX XXXX -- is reporting that I had a 39-day late on an item I never received in which it agreed back in XXXX that there was an accounting error. I have demanded this item be removed from my credit report but each time I dispute Transuion lies and states it has been investigated and no update. CORRECT YOUR MISTAKE XXXXXXXX XXXX AND DELETE THIS BOGUS ITEM. Transunion 's latest investigation : Date Submitted Date Completed Results XX/XX/XXXX XX/XX/XXXX View Dispute Results According to Transunion an investigation was completed in two days. There was no investigation done in two days. This bogus item from XXXX XXXX should be deleted immediately. I have never, ever had a 30-day late on any of my accounts with many that have been paid in full. I am surprised at XXXX XXXX because on record I am an excellent paying customer and often paid in full and keep receiving automatic credit line increases without requesting. I hardly ever use this card because I have other major credit cards that are often paid in full -- no lates, no missed payments. Transunion is the only credit bureau that is reporting this bogus information. It is so irritating that this bogus information will sit on my credit report for 7 years. I will never accept this!!!! The only adverse account I have had in over 10 years. Unbelievable!! XXXXXXXX XXXX are aware they are reporting bogus information because I contacted the CEO back in XXXX and not sure why the accounting error has not been corrected -- the start of the pandemic. Transunion has a track record of reporting bogus information and refusing to due proper investigations and follow FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went into XXXX to access my credit report online. I received an error message from both Transunion and XXXX  indicating that they could not issue my credit report online. I entered my information correctly for both agencies on XXXX. Both agencies have not given me any answers as to why I'm unable to access my credit report online. Both agencies have not given me any solutions to help me access my credit report online from XXXX. I have not been given any solutions from XXXX as to how to rectify the situation to help me access my credit report online at annualcreditreport.com. I am not interested in receiving a paper version of my credit report. I am entitled to access my credit report online from XXXX and by law and Transunion, XXXX  and XXXX are violating the law by not allowing me to access my credit report online from XXXX.
Product: Debt collection

I also told them to contact my lawyer the lady starts rambling off my personal information and wants me to verify I decline and tell her send a bill and stop calling and she hangs up
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On XX/XX/2023, I received a refund check ( emergency disbursement ) from the XXXX Bankruptcy XXXX. Prior to making a deposit into my checking account ( open and active since XX/XX/2023 ), I contacted 5/3 Banks customer support to gauge fund availability and best practices moving forward. They stated, that to have my funds available the morning of XX/XX/2023, consider and complete a mobile deposit for this transaction. Since this is text-based support, I have a screenshot of this conversation. I completed the transaction, but prior to confirming, I asked the service rep about a discrepancy with my deposit ( app stated funds would be available XXXX ). She stated that XXXX considers those Mondays a weekend. 

My money is not available as of this morning and new representatives I spoke to, state that my funds would not be available until XX/XX/2023. 

This is an incredibly misleading and abusive process.
Product: Credit card or prepaid card

I was chatting with Citibank on XX/XX/2019 at XXXX when the chat first started. I was asking a simply question about my minimum that was due and why it was so high. I was trying to see if it was possible to get it lowered. I have never been late on payment or never NOT made a payment. I have never been charged so high as of recent and was trying to figure out what could I do to get it lowered. They kept telling me the standard information. Which I understand, I was possibly trying to get it lowered because I am a loyal customer over 12 years. I was forwarded over 3 times to different people that told me the exact same thing. One representative was rude, name XXXX ID # XXXX. Not sure if the ID number is correct because they were hesitant to give me his information. He was very rude and disrespectful and just told me to pay the bill as if I don't pay my Credit Card bill at all or on time. To simply this matter I was just wondering what could have been done differently. The actions was letting me pay {$150.00} this month and a {$10.00} credit. Its cool and all but that's still not answering my questions or concerns.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX To whom it may concern, I am writing to follow up on my previous dispute letter from XX/XX/2024, requesting the removal of several disputed accounts from my credit report. As I stated in my initial letter, I have the right under the FCRA, to have inaccurate, incomplete, or unverifiable information removed from my credit report. It has been over 30 days since I submitted my last dispute letter and I have not received a response from Experian or an updated copy of my credit report reflecting the requested changes. I went on the consumer data base system and found out that XXXX XXXX XXXX is not licensed in the State of Indiana to collect debts. Under the FCRA, XXXX XXXX XXXX must be removed from my credit report immediately. Section 623 ( a ) ( 6 ) ( A ) states that a furnisher of information, such as a collection agency, must have reasonable procedures in place to ensure the maximum possible accuracy of the information it provides to consumer reporting agencies like Experian. By reporting an unlicensed collection account, XXXX XXXX XXXX has failed to meet this requirement. The inclusion of XXXX XXXX XXXX on my credit report, when they are not licensed to collect debts in Indiana, constitutes inaccurate information that must be corrected. 
XXXX XXXX XXXX-account-XXXX  XXXX XXXX XXXX Services-account-XXXX  has violated my Federally protected consumer rights. 
There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I have sent the last dispute via certified mail. Tracking number:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to : https : //www.annualcreditreport.com website that was linked on the Equifax website : https : //www.equifax.com/personal/help/free-equifax-credit-report/ website. 
The button for the Equifax credit report gives this message : XXXX XXXX XXXX XXXX This is again how credit bureaus avoid complying with the law. They want to force you to open an account with them so they can steal more information from you and even try and upsell you to pay for the very information they have stolen from you in the first place without permission or remuneration! 
I want the free annual credit report I'm entitled to without the XXXX.
Product: Debt collection

I never received the required 30 day dubbing letter about this account. It just appeared on my credit and I didnt have a chance to challenge it. I dont know what this is. 

This is a violation and most likely illegal.
Product: Credit reporting or other personal consumer reports

This is the XXXX time I have reached out about these inquries I also went on experian website and uploaded my report stating these inquiries need to be removed and XXXX months it still isnt corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

Affected by Equifax XXXX incident on XXXX XXXX, XXXX according to Equifax potential impact site.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Debt collection

I previously was an XXXX  customer. Due to multiple better business bureau complaints XXXX told me that they will let me out of my contract if i returned the phones to an XXXX  XXXX store, which i did. Several months later i started getting contact from various collection agencies regarding the XXXX  account that i wasnt informed that i owed. Instead of continuing to argue with XXXX, I decided to include the XXXX  account in my bankruptcy. XXXX  was notified that the bankruptcy was filed. After they was notified they sold the account to AFNI. I have contacted AFNI on multiple occasions regarding this account. Once my bankruptcy was discharged i had to send AFNI my court documents proving that it was discharged. After receiving my files AFNI told me they closed the account. Then they started to harass me again. XXXX  blames afni and AFNI blames XXXX. AFNI told me on XX/XX/XXXX that it didnt matter that the account was discharged i need to pay it anyway. Another rep told me to go to XXXX. I spoke to XXXX  on XX/XX/XXXX Their rep XXXX XXXX told me AFNI needs to close the account. AFNI tells me i still have to pay although it has been discharged in bankruptcy, which is against federal law! The bankruptcy law states that no creditor can collect on any account that has been discharged due to bankruptcy. AFNI is a fraudulent collection agency! The government needs to shut them down. Instead of settlement in the fraudulent business practices case against AFNI the government should have shut them down
Product: Credit reporting or other personal consumer reports

am writing to formally dispute the unauthorized hard inquiries listed on my credit report. These inquiries are negatively affecting my credit score, and I believe they violate the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting of consumer information. 

The following inquiries are in question : - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - - XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Legal Basis for My Dispute Under the FCRA, hard inquiries can only be authorized by the consumer. Specifically : 1. 15 U.S. Code 1681b ( f ) : A person may not use or obtain a consumer report unless authorized by the consumer or if permissible under federal law.

2. 15 U.S. Code 1681i ( a ) : Consumers have the right to dispute inaccurate or unauthorized information on their credit reports. 
3. 15 U.S. Code 1681c-2 : Credit reporting agencies must block unauthorized information within four business days of receiving proof of identity theft or fraud.

FTC and Credit Bureau Breaches The Federal Trade Commission ( FTC ) reported significant data breaches involving Equifax ( XXXX ) and XXXX, which compromised consumer data, including mine. These breaches have heightened the risk of unauthorized inquiries and fraudulent activity on my credit report. 

According to the FTCs guidelines : Consumers are entitled to enhanced monitoring and remedial measures due to negligence in securing personal data.u XXXX and Equifax are legally obligated to rectify inaccuracies caused by these breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a credit card with discover and was denied under the guise that I previously held an account with a XXXX limit. I have never had a discover card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX these are unauthorized and its affecting me getting credit i never applied for anything
Product: Debt collection

the loan financial company Ally Financial insist that I have a debt w/ them and it is currently listed on my credit as charged off w/ late payments. It has in record that I have of a cosigner I have no knowledge nor recollection of such a person. I have no relations whatsoever to this person listed. Therefore, I am stating this is an inaccuracy/ fraudulent. As a result, I am requesting that is removed. I have disputed and contacted the credit bureau as well as the creditor and was denied the removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to add a security freeze online with Experian for myself & my XXXX XXXX XXXX over whom I'm guardian. Those attempts were unsuccessful & Experian 's website mandated that I mail in all required data to obtain security freezes. I mailed all requested data. More than two weeks have passed & there is no way to call, email, or fax this company to obtain a status report. I have obtained security freezes for myself, wife & daughter with the other credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies XXXX XXXX Equifax, and XXXX ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in applying for new credit, housing, etc. In addition to my complaint, I have been a victim of fraud. I am attaching a copy of a police report. I am requesting that these items be removed from my credit report.
Product: Debt collection

XXXX XXXX Both accounts were unverified. My physical written signature was not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Equifax about my credit report on several occasions ( XX/XX/XXXX, XX/XX/XXXX and called them a few times ). The first problem is that they have listed on their a XXXX bankruptcy from public records. I told them this is incorrect, and they still have it listed on there and show me no proof of where they received this information. I asked them to remove it. Still nothing to date. 

Second, I wrote to them and sent proof about XXXX XXXX c/o XXXX that my insurance paid the amount they are contracted. They still didn't accept this, and won't remove the inaccurate findings. 

Third, I have a XXXX XXXX c/o XXXX Account and asked for proof the debt from them and the proposed debtor as I don't recognize, nor did I ever have this account. To date, no information was provided and it still remains on my account. 

Lastly, XXXX is another health provider issue where my insurance paid the contracted amount, and I sent proof and they still have the information on my account. 

When I call them, they say they can't talk to me because of my identity issue. However, they can send me a letter stating that they completed the investigation and they state its accurate although I sent them proof. 

In addition, I have a student loan that is closed/written-off. Just in XXXX, they state that the loan monthly payment went up XXXX and my credit score went down 54 points because of this. Is this even legal.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX