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

I have been trying since 2016 to get XXXX, Equifax and XXXX  to correct my credit report. They take anything the creditor gives them and then closes the case. I am never notified, questioned or involved in the so called " investigation ''. I have supplied Identity Theft Reports, Case # 's, Emails to them proving my case. The original creditor no longer own the debt. I call and call and get no response. I have mailed things to the CFPB proving my case. I get empty promises, language barriers and forwarded to endless ringing lines, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX are the worst. XXXX XXXX and XXXX XXXX  are the worst to deal with. This is a one sided problem that needs to be fixed. I will be taking legal action immediately if this does not get resolved. This is fraud and as a US Citizen I want justice. It should not come to this. I have paid what I owe and done my due diligence. I am prepared to stand up for my rights as a taxpayer. I have asked for signed documents by me with my handwriting proving these accounts were mine and charges were me. I have never got anything. Every month my scores just drop. Please contact me so we can work together on getting justice for me. I am involved in so many data breaches and have not gotten any justice from that. The attorneys sure have. That is wrong. I am human too.
Product: Debt collection

Performance Settlement LLC has a worst communication with their client. They have refuse to help and stop taking money from my checking account even though I have paid in full to my XXXX XXXX account debt.
Product: Credit card

i had to call 4 times this morning to make a payment first 3 time s they put me on hold with no explanation for 20 minutes. no apology. nothing. they think i can wait and 2 said they would not. i want something for my inconvenience. or i will be unable to use the card. horrible CS. no interest or a XXXX dollar credit and investigate.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, XXXX has agreed to the terms and conditions of my letters sent on dates XX/XX/2024, XX/XX/2024, XX/XX/2024. XXXX XXXX  is now hereby required to delete its XXXX XXXX XXXX  off my consumer credit file as agreed. XXXX XXXX failure to produce the documentation required pursuant to 15 U.S. Code 1692g ( b ) puts XXXX XXXX  in XXXX. And releases me from all liability. The account that's being reported By XXXX XXXX is inaccurate, Delete the account immediately. This is a NOTICE AND CONFIRMATION OF ERRORS pursuant to 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( a ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( b ) Reporting information after NOTICE AND CONFIRMATION OF ERRORS. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Vehicle loan or lease

My problem with Santander is they over-charged me a extra {$10000.00} for a XXXX XXXX XXXX the price really should have been {$22000.00} but they " REFUSED '' to correct their error. 

Also I was never late paying on my car note. 

They Re-Age my account by reporting the date of the last activity instead of the date of the first delinquency. 

This is a direct Violation Of the " Fair Credit Reporting Act. '' Violation : Consumer Protection afforded by the FCRA LEGAL JURISDICTION : FCRA Section 605 ( c )
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 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 redres for these violations
Product: Credit reporting or other personal consumer reports

I'm writing this because ive never been late nor missed a payment yet my credit reflects differently. I've mailed docs in XX/XX/XXXX and havent received a response from your company. I'm getting ready to seek litigation and I want to resolve this matter before I do. 



Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. Since you have found any proof, then update it to " paid as agreed, never late '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On or about XX/XX/XXXX a purchase was made with XXXX. Unfortunately an item was missing from the shopping bag that I was charged for and I called and spoke with XXXX who offered no assistance. Furthermore, a gift card was to be provided and the receipt was ripped in half thereby invalidating the gift card. I then disputed the charge with the credit card company. Initially they dispute the charge but then received a non-responsive answer from the merchant and reversed the charge on me on or about XX/XX/XXXX. This is despite them simultaneous sending me a letter from one XXXX XXXX asking me if I wanted to continue the dispute. They should have, at minimum, waited for me to answer before reversing the charge on me. Of course, they should have investigated the self-serving answer from the merchant. Once I received correspondence from XXXX I immediately called her more than a dozen times. But her phone kept ringing busy. I filled out the paperwork to dispute the charge and faxed it but only received a message from what sounded like XXXX but she does not speak English well. I then called back repeatedly, including today, at her extension, only to receive more busy signals. I am dismayed that Chase would handle my dispute in such a poor manner.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report relating to account XXXX XXXX Account # : XXXX Account # : XXXX XXXX XXXX Bureau Code : Individual Individual - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$260.00} {$260.00} {$0.00} Credit Limit : {$200.00} {$200.00} {$0.00} Payment Status : Current Current Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Vehicle loan or lease

On XX/XX/2023 Carvana promised a used car loan if I put down {$4500.00} dollars and the USC 15 Section 1662 ( b ) protects consumers from predatory lenders who use advertising to get people in debt. The consumer law states if you see an advertisement that promises credit in exchange for a down payment or that guarantees a certain amount of money after the application, it may run afoul of the Truth in Lending Act.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have become a victim of a data breach, which has led to fraudulent activity on my credit file. In accordance with 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that all accounts associated with the data breach be blocked and deleted from my credit report. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collection Account : XXXX - Date : XX/XX/year> - Amount : $ XXXX Fraudulent Inquiries : XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX ( XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX  ( XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX XX/XX/year> )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2016 {$800.00} they never verified account balance or information and responsible parties
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of all credit freeze and fraud alerts from my credit profile so I can conduct business as usual with my company. This credit freeze is preventing me from accessing my information to do business. I am trying to apply for a business phone line with XXXX XXXX XXXX they can not access my credit file. My full name XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX please see attached documents and ID Please!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and to my surprise there were several accounts I was not familiar with. Please remove these accounts from my credit report.
Product: Debt collection

I have been fighting with Toyota since XXXX to report my payments accurately. They have been misapplying my payments since XX/XX/XXXX. Applying full payments and/or partial payments to the principle balance without my consent or approval and therefore reporting me negatively on my credit report. They have gone so far to try and repo my car when I was 15 days past due in XX/XX/XXXX. Luckily the truck driver agreed to NOT take my car that night and would come back tomorrow after I explained it was NOT correct and Toyota had NO right to try and take my car. The next day Toyota confirmed they were in the wrong, waived all late fees and explained the account would be updated to show the loan was current and all would be right. 
They proceeded to do collection calls to my cosigner and XXXX year old grandmother telling her the loan was 3 payments past due and scaring her into making a huge payment to bring the loan " current '' even with a DO NOT CALL on file. They continue to call and harass her every chance they get. every time I call they confirm that yes there is still a DNC on file yet they keep violating that! 
On XX/XX/XXXX I called and spoke with XXXX employee number 2NDC who reviewed the file and agreed that YES they were in the wrong, and I ONLY was due for the XX/XX/XXXX payment and that THEY were applying payments to the XXXX payment and I would have a CREDIT of {$13.00} for XXXX. That being said they continue to show me being due for some days 2 payments, some days 3 payments. They called my grandmother again on the XXXX and told her the loan was due for {$2400.00}!!! Thats 4 car payments. The damage this has caused my family is irreparable. The damage to my credit score worse. This prevents me from licensing for my job as a XXXX XXXX XXXX. I have been denied state licensing due to their continuous errors. 
I do not have another 2 years to fight with them to get this resolved. I need help 1. They are not applying my payments properly since the start of the loan 2. They refuse to honor the DO NOT CALL on file and continue to call myself and the co-signer demanding payments 3. They refused to send a copy of the payment history that I have been requesting since XXXX until XX/XX/XXXX XX/XX/2018
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several inaccuracies. The three Credit Bureaus are required to verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to consider these accounts as unverified without providing proof within the legally mandated time frame. 
XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX XXXX Balance : {$550.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove the following items : XXXXXXXX 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

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

1st Finl Investment Fund is reporting on my credit for a debt that isn't mine or I do not owe. IT looks like it is for medical but I have always had insurance and never owed this. 
I have never got a notice from this company ever ... 
This debt is old and not mine.
Product: Checking or savings account

have had a lot of Issues with Wells Fargo. My account is now closed and they say I owe them a bunch of money. they charged me tons of overdraft fees and non sufficient funds fees and Ive had an account since 2013. Had to switch banks. And Im now probably on XXXX XXXX. They are shady and take money from customers. Give me my money please all of it.
Product: Credit reporting or other personal consumer reports

I see accounts that are in violation of my consumer rights according to law FCRA 6055b it is illegal to furnish anything on my credit profile without my permission XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Experian and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 4 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the XXXX  breach and believe some of my accounts were compromised.
Product: Credit reporting or other personal consumer reports

This morning, I came across unauthorized inquiries on my credit report, which was completely unexpected. I always check my report, but today there were unexplained discrepancies. After refreshing the browser, hoping it was a technical error, the issues remained. Im extremely frustrated and want the documents Ive provided thoroughly reviewed so this can be resolved without further stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Equifax  where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE delete XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX , XXXX XXXX, US DEPT OF EDUCATION
Product: Mortgage

In approximately XXXX of 2019 I applied for a loan modification from US Bank and they denied it. If we would have been able to get a loan modification we could have rented our property until it the market increased and then sold. The property is work $ XXXX more now than it was 2 years ago. We were denied the loan modification and forced to do a short sale instead of bankruptcy due to my husbands clearance. He had been XXXX  XXXX  from the military ( job loss ) and we had to move out of state for my husband to secure employment and went from a XXXX income family to a XXXX income family since I was a real estate agent and had to start over with my business. We now have a short sale on our record, can not use our VA Loan and have to pay back $ XXXX to ever use a government loan again.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the account numbers needed to be removed XXXX, XXXX XXXX
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 consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX  XXXX XXXX  : # XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  : # XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXXXXXX : # XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX  : # XXXX XXXX  XXXX : # XXXX XXXX  : # XXXX XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX XXXX : # XXXX 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 card or prepaid card

I received an unsolicited Illinois Department of Employment Security ( IDES ) prepaid debit card issued by KeyBank. I did not authorize this application. This action is an example of identity theft.
Product: Credit reporting or other personal consumer reports

To whom it may Concerns section 16cfr1692a right to privacy section 15 cfr1692b 2. Reporting is a violation according 15 cfr1692d1 threats of violation or harm of reputation according 15usc1681a4 right to privacy according 15 u.s.c.6508 according 15 u.s.c.1611 criminally liable Fair credit act 1974 section 5usc522a its against the law for a credit bureau to have your social and report any debt as the only one that is to have your social is the federal government. Under 15 u.s.c 1692e they are in violation {$1000.00} per inaccuracies by number of months reported. AND YES I HAVE A THIRD PARTY COMPANY ASSIST ME WITH THIS MATTER. AND PLEASE DO NOT SEND BACK A STALL TACTIC LETTER IF YOU DO I WILL SEND IT TO THE CFPB FOR AN A COMPLAINT and still must finish their investigation within 30 days from the date of receipt of the original dispute. Because this is my legal right thank you.. And im Notify the bureau that any additional stall tactics will be considered a violation of FCRA.15 U.S. CODE 1692 ( c ) 15 U.S. Code 1681i ( a6 ) & U.S. Code 1681i ( a7 ) and 15 U.S. CODE 1681b meaning send me a 1099 FORM for every charge off on my consumer report AND PER 18 U.S.C. 8 HJR-192 NO STALL LETTER ARE accepted YOU WILL BE REPORTED. 

1.XXXX XXXX ACCT XXXX XXXX 2.XXXX  XXXX ACCT # XXXX 3.XXXX XXXX  ACCT # XXXX 4.XXXX XXXX XXXX ACCT # XXXX. 






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

To whom it may concern, I am writing to request information about the account NICHOLAS FINANCE COR on my credit report XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.