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

XX/XX/XXXX Report of violations and identity theft by XXXX XXXX XXXX XXXXXXXX XXXX By XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL I am using CFPB to report clearly the attack that XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX has falsely put down a litany of false and misleading tactics onto me and on my credit report USING IDENTITY THEFT. 

They have used my social number, name, and information to report a new active live account on my credit report that I dont owe. This company has remained deceptive and unrelenting after numerous interactions and proofs. 

A POLICE REPORT HAS BEEN FILED AND THE NUMBER IS XXXX XXXXXXXX ON XX/XX/XXXX WITH THE XXXX XXXX POLICE DEPARTMENT . A FTC.GOV REPORT OF IDENTITY THEFT HAS BEEN FILED FTC.GOV XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has opened a live active reporting tradeline on my credit report AFTER STATING ON XX/XX/XXXX IN A LETTER ; THAT IT WOULD NOT ACTIVELY BE PURSUED. XXXX XXXX ALSO HAS THE 1099B PAYMENT PROOF THAT THIS OLD DEBT WAS XXXX. 

DFINITION OF IDENTITY THEFT : What is the best definition of identity theft? Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception, typically for economic gain.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I

t has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Product: Consumer Loan

Home Depot financed repair & restoration of my kitchen severely damaged by water leak + upgrade in kitchen cabinets at the same time. Approximately {$14000.00} at no interest. Monthly payments all on time, but recently received a bombshell cumulative interest added of {$6000.00} +, when the principal was about {$3000.00}. Now the balance is {$9000.00} +. I outraged by this scam, and want to take legal again against them.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau COMPLAINT : FCRA VIOLATIONS I have recently pulled a copy of my consumer credit report. I have disputed this account/creditor XXXX XXXX XXXX Transunion, XXXX and XXXX for several years and they failed/refused to remove this account from my consumer credit report. TransUnions, XXXX and XXXX consistent delinquency reporting of this unverifiable fraudulent/inaccurate account has/is causing loan denials ( personal and business ), car loan denial, credit card denials, credit increase denials, high interest rates, application denials that has wreaked havoc in my life. Under the FCRA credit bureaus are prohibited from reporting fraudulent or inaccurate information on consumer credit reports. Consumers have the right to dispute any inaccurate information on their credit reports, and CRAs are required to investigate these disputes within a reasonable period. If the information is found to be inaccurate, the CRA must correct or delete it. Credit bureaus that violate the FCRA by reporting fraudulent or incorrect information, consumers have the right to take legal action against them. I have attached documentation IN THE STATE COURT OF XXXX XXXX GA, Civil Action NO XXXX. 

Also, I have filed a previous complaint with the CFPB concerning incorrect addresses that should NOT be on or attached to my consumer credit report and again they refuse to correct and update. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX GA XXXX is the ONLY address that should be listed on my consumer report. Your assistance in this matter is appreciated.
Product: Money transfer, virtual currency, or money service

My friend posted something on XXXX and it was a truck for sale. She requested a refundable deposit to hold the truck for me and since I knew her I sent it to her through zelle. It ended up being a scam and I notified my XXXX XXXX bank as soon as it happened. They said it would take 5-10 business days but by that time the scammer will already close their account. I was told I may not get my money refunded since it was through zelle. 

I notified my friend that she was scammed so she's aware. She did not know and I need someone to help me. I have the screen shots of the messages and probably fake name and phone number.
Product: Debt collection

The XXXX AZ, office management issues during name change and company being purchased ... drops the ball for tenants moving out during their remodel and company change. New office employees were managing the office and promised to complete my rental history request to my new landlord and accept this as my 60 day notice of move out. The office management staff after submitting the request failed processes my move out request. I made several attempts, after receiving my approval for my new location, returned to the office ( as they were remodeling advised me documents were boxed up and some documents at an alternate location. ) requesting my emailed or hard copy of my rental history document which would be used as my signed confirmation for my move out. The XXXX XXXX. even after me and my spouse completing our exit walk through has applied to my credit report a one month rental charge and additional fees alleging our notice was not submitted. The New Company is now called : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Chex Systems , Inc . 
Attn : Consumer Relations XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Consumer Report Dear ChexSystems, I am writing to formally dispute certain items on my consumer report as provided by ChexSystems. Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to challenge information that I believe to be inaccurate or unverifiable. This letter serves as my formal dispute regarding the following items on my consumer report : Reported Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1681 ( a ) ( 2 ), " consumer reports '' are defined to exclude reports containing information solely on transactions and experiences between the consumer and the " person '' making the report. As ChexSystems did not establish a direct consumer relationship with me, the aforementioned events constitute private transactions and experiences solely between myself and my banking institutions. Therefore, these should not be reported by ChexSystems. Additionally, the financial institutions sharing this information with Chex Systems are non-affiliated third parties, and according to the FCRA, sharing consumers ' nonpublic personal information with such entities requires explicit authorization. I did not provide written authorization for the sharing of my banking records and history with ChexSystems, nor did I receive any prior notification regarding such disclosure. 

Furthermore, as per 15 USC 1681 ( d ), any consumer reporting agency must disclose to the consumer in writing the creation of an investigative consumer report. I have not received any such disclosure from ChexSystems concerning the creation of a report detailing my banking history and related transactions.
Product: Student loan

I had been paying the private loan on the website. When payments became difficult I contacted AES to request a deferment or forbearance or altetnate payment options and they denied my request. I was unable to pay for several months do to health issues and unemployment. When I was able to resume payments I went to the website to try to set those up again only to learn that the debt had been sold. AES was unable to provide information to locate the current creditor at the time. I recently began to receive phone calls from a collector who would not provide information about the account in order for me to establish the legitimacy of their claim. I spoke with a representative on Friday XX/XX/2017 who offered unrealistic payment terms I again requested alternate repayment options but he refused and stated that collection activity will continue.
Product: Credit card

I am a XXXX My Amazon store card is showing an increase in my monthly Amazon Prime rate that I was not made aware of and I am still a XXXX When I called synchrony to dispute I gave the wrong amount to dispute and was told I can not change my dispute. This is a very unfair practice and it is harming a consumer.
Product: Student loan

I have been in the PSLF  program for years and am still having difficulty getting FedLoan to count my years that I have been employed in public service toward my loan forgiveness count. Today I called to inquire about the discrepancy between several of my loans being calculated for different amounts of time. The customer service representative was rude, and unhelpful as has been my experience many times. I was told that my loans had not been consolidated by XXXX even though I was led to believe I had followed the process for that to happen initially when I began repayment through XXXX. I'm honestly unsure of who mishandled my account, but I do know I have been given misinformation by both parties which has led to my PSLF forgiveness being miscalculated. There have also been times where I was informed that I was under a qualifying income based repayment plan only to later find out they were calculating as under forbearance. I have been employed under a PSLF qualifying job for almost 10 years and they are only calculating 65 months towards certain loans and 35 for other they say I had not consolidated. Both companies told me I had completed the process to consolidate and FedLoan took nearly a calendar year to process moving my loans from XXXX which has also negatively impacted my months towards PSLF loan forgiveness. There is no reason that some of my loans should be calculating for a different amount of time than others and I should have at least 7 years paid in by now.
Product: Credit reporting or other personal consumer reports

My credit report has information on it that is inaccurate and I'm proper authority to get the following corrected. According to 15 US Code 1666b, timing of payments a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Equifax, the following companies are reporting late payments : XXXXXXXX XXXX XXXX XXXX XXXX following are reporting late payments : XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I was offered to open an account with American Express in XX/XX/XXXX. I do not remember if I agreed to their annual fee of {$95.00}. I moved in XX/XX/XXXX, and I had not received any documents from American Express. I did an address change with the USPS, and did not receive any documents at my new address until XX/XX/XXXX, where it said I owed {$95.00} that was assessed in XX/XX/XXXX for American Express credit card annual fee. I called them and explained what had occurred over the year, they did not change my address to the new address, we closed the account, and an investigation was opened as to the {$95.00} annual fee. I received a new bill from American Express for {$95.00} today. I called to discuss the fee and that I do not believe I need to pay the fee. They told me the investigation was closed and that I owe the fee. I asked if there is anything that can be done because I never activated the card, I never used the card. XXXX I never got the card. I asked for a manager, and the agent transferred me to the manager who said that he has discussed it with his team and there is nothing they will do. I do not believe I should be required to pay the fee. The bill is still going to my old address.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment incorrectly reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure all information reported about me is accurate. I request that you investigate and correct the following discrepancy : Account with Late Payment Discrepancy : Creditor Name : XXXX  XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/year> I have consistently made timely payments, and I believe this late payment notation is an error. I was not notified by my bank within 30 days ; I received the information upon checking my credit report. 

According to FCRA ( 15 U.S. Code 1681s-2 ), creditors must report only accurate information. Please provide documented proof verifying this late payment, or remove it from my record immediately.

Please investigate this matter within the legally mandated 30-day period and update me with your findings. If you need any additional information from me to proceed, feel free to contact me at the details listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting to the credit bureaus that I have a balance with them from an old account for {$910.00}. I am trying to clean up my credit report, so I have called XXXX to make a payment to clear this. The representatives at XXXX are telling me that they no longer have this debt in their office, and do not provide me with any way to pay the debt. Since they will not accept my payment, it is unfair for them to continue to report it on my credit report.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTIS.
Product: Credit reporting or other personal consumer reports

I am writing today to dispute inaccurate information reporting on my credit report. I would also like to dispute the date of last activity. This is a factual dispute and I have evidence to support my disputes. This OneMain account with the account # XXXX has been consistently reporting inaccurate information to XXXX and XXXX credit bureaus. This is a direct violation of my consumer rights and also violates the FCRA, when inaccurate information is being reported to my consumer report or credit report. Listed below are the inaccurate items being reported to the credit bureaus. 

In XX/XX/XXXX your company OneMain reported my payment 90 days late, but the month before in XX/XX/XXXX your company reported my payment 30 days late.There is only XXXX calendar days in the month of XXXX, so how can my payment go from 30 days late to 90 days late in a one month time frame? 
In XX/XX/XXXX your company OneMain reported my payment 60 days late, but the month before in XX/XX/XXXX, you reported my payment on time. How can my payment be on time in XXXX but one month later in XXXX, my payment is reported 60 days late? 
The same situation happened in XX/XX/XXXX. Your company OneMain reported my payment 60 days late, but the prior in XX/XX/XXXX, you reported my payment on time. How can my payment be on time in XXXX but one month later in XXXX, my payment is reported 60 days late? 
The date of last activity is reporting inconsistently and inaccurate on my credit reports. On XXXX the date of last activity is reporting XXXX, but on XXXX it reports as XXXX. This is crucial because this affects the date in which this account will fall off my credit report. If the information is coming from the same original creditor, which is OneMain, then why aren't the dates reporting the same. If I have two different dates, how can I say this is accurate information being reported on my credit report? 

This OneMain account violates the FCRA, and I demand this account be deleted from both XXXX and XXXX. According to 15 USC section 602, if any information is being reported inaccurately, I have the right to get it removed or deleted from my credit report. There are several inaccurate items reporting on this account to the credit bureaus ; therefore, I request this account be removed or deleted from both XXXX and XXXX. 

Please see all the attached and enclosed documents to support my disputes. I have also included a copy of my drivers license to verify my identity.Please delete this account, and thanks for your time and consideration.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) parentheses due to inadequate customer service and unfair practices, which violated the consumer financial protection act, ( CFPA ). Specifically, cash app fail to take timely, and effective measures to prevent an 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 ), parentheses in Regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I accepted a loan through XXXX XXXX to finance XXXX XXXX and XXXX plan {$27000.00}. This is the XXXX  company the XXXX XXXX ( XXXX XXXX XXXX ) utilized. XX/XX/XXXX XXXX XXXX XXXX abruptly closed their practice leaving patients with incomplete treatments. My personal XXXX plan is incomplete, not even 25 % through the treatment plan and currently having only XXXX XXXX teeth which will require having to pay out of pocket another dentist to complete the surgical process and XXXX teeth. 
This company continued to sell XXXX plans and XXXX and having them sign XXXX agreements with XXXX XXXX knowing that the dentists license was suspended and was planning to file XXXX. However, we are all left without the services and product the loans were signed for.
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. 
XXXX XXXXXXXX XXXX Debt Buyer XXXX Account Number Collection - {$5300.00} Date Opened XX/XX/2024 Original Creditor XXXX XXXX XXXX XXXX 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 ( XXXX ) 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 shalli ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act everything on my credit suppose to be accurate on my credit report 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 Also Equifax took more than 30days to complete my investigation. I sent Equifax my request to investigate XXXX XXXX XXXX Account number XXXX I mailed the request XX/XX/2023 which they received XX/XX/2023, tracking number ; XXXX Equifax has the incorrect date opened, last reported date incorrect, and the date last active incorrect, account type is blank, account status incorrect
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issue such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Transunion Vantage 3.0 score never lines up with the actual FICO score or even closely relates to what a lender 's scoring model produces using FICO. I find the Vantage 3.0 score to be arbitrary. I just checked my FICO score and it's a full XXXX points higher which actually equates to a higher credit bracket than my Vantage Score says would. I think the Transunion model needs to be investigated. I have cancelled my service with them on the basis that I believe these practices are deceptive in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report today XX/XX/2022 and found a lot of inaccuracies across all three bureaus.. by law my credit report must be 100 percent accurate. Please check the attached credit report I pulled today. Date last reported, Date last active, High credit limit, and Date of last payment is not the same across all three bureaus This is account for XXXX XXXX XXXX account number XXXX with the balance of {$3300.00}. Please remove this account for violation for reporting inaccurate.