23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Im using cash app which is run by square inc . The account was locked because of a transfer to myself an account to account transaction. Its been locked since XX/XX/XXXX I believe I completed every step required all for no reply. The support means of contact was placed to make sure you dont get any help. Its a pandemic my moneys needed for rent, medicine as my XXXXyr old has XXXX and this is all my money in this account. Please help they are not replying and its almost like a major scam check the XXXX  website and did a complaint there. Apparently this is a tactic they use Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Experian is reporting an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report & I have never made any transaction ( s ) with XXXX  XXXX XXXX  While the burden of proof lies with XXXX XXXX XXXX & Experian, I have issued an Affadavit of Fact & Identity Theft report ( attached ) of which neither XXXX XXXX XXXX nor EXPERIAN have provided rebuttal. If EXPERIAN maintains that my Affadavit of Fact & Identity Theft report are fraudulent, I have provided an Affadavit of Fact in rebuttal ( attached ) to be signed by Experian.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Employer - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX , XXXX, FL, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX XXXX , FL , XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

I received a call at XXXX from an individual working for XXXX at extension # XXXX. To the best of my abilities this is the conversation on the phone. 
-XXXX are you aware that your social security number starting with ... and last four digits ... is on a list to pursue legal charges because you did n't pay a debt to XXXX ? 
I 'm calling from XXXX, a company that will take you to Court because XXXX is a federal funded bank, not state but federal and since you have not paid your debt you will need to start looking for an attorney. 
-What, what are you taking about? 
- I am telling you that you will face charges so I suggest that you come up with the $ XXXX ( did n't remember the exact digits ) or you pay immediately {$2500.00}. 
-But where are you calling from again and what is your name? I know this debt is on collection - XXXX watch what I do with your social security number. 
After that I called numerous times ( about 10 ) to the number recorder on the phone asking the person to give me his name, number and information. He refused and hung up, also told me that I was harassing him, and finally picked up again to tell me that all the messages were being recorded and hang up right afterwards. 
I also got in contact with Deville MGNT, which is the company that contracted XXXX and inform them about what has happened. The manager did n't think XXXX said anything inappropriate and in fact, kept telling me that I had to pay the bill and that XXXX had the right to collect my debt.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX  - XXXX - {$21000.00} ( XXXX XXXX  XXXX ) XXXX XXXX XXXX - {$0.00} ( XXXX ) XXXX XXXX XXXX XXXX - {$6100.00} ( XXXX & XXXX ) XXXXXXXX XXXX XXXX - XXXX - {$10000.00} XXXX XXXX XXXX XXXX - XXXX - {$750.00} ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX - {$21000.00} ( XXXX ) XXXX XXXX  XXXX - XXXX - {$10000.00} ( TU ) Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, WA XXXX Previous Address XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

The company Affirm is reporting a late payment when the payment was never late. They are showing a late payment when the item was returned and no payment was due on the returned item. Their records do not reflect that It was their responsibility to verify the return and because of that delay they reported a delinquent payment. I no longer had the product, the return was accepted and be cause of their slow record keeping they put a late payment on my account. I tried to show them and explain this but they use a third party for their call center and they said they can not help so II have no way of trying to show them their incorrect records.
Product: Debt collection

XX/XX/year>2024 I mailed 3 debt validation letters to CREDIT COLLECTION SERV for 3 separate collections reporting on my XXXX, XXXX XXXX XXXX reports. 
1. {$180.00} 2. {$560.00} 3. {$680.00} I have not received a response or debt validation from this company. This debt is not mines and should be removed from the 3 credit reporting agencies immediately.
Product: Checking or savings account

Back in XXXX, I believe it was my mother has a mobility scooter and the mobility scooter we not go in forward, so I called the repair shop and I took the mobility scooter there to have it diagnosed with the problem or two up, tells me that the unit has two dead batteries and he was trying to sell me new batteries and I told him no thank you theres nothing wrong with the batteries in there probably just need to be charged so come pick the scooter up so I pick scooter up paid {$95.00} back. I was looking at the paper. He doesnt write anything about the diagnostic report on what was causing the mobility scooter to not go forward so I disputed it with Wells Fargo Wells Fargo came back yesterday with a reversal of the charge Saying the guy provided documents something so I asked them to see him. I want all of them. The guy did not provide me with a diagnostic report. I paid for tried to sell me new batteries when I left there. I still had the same problem and causing it to sell new batteries. He did not provide me with the description of what was wrong with the mobility scooter so therefore the diagnostics was incomplete. I want my money back.
Product: Debt collection

I'm unaware of this debt and I did not have the opportunity to dispute this debt. I did not receive proper notification, if in fact you believe I received proper notification please send me the certified mail with the receipt with my signature on it XXXX I have received it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information Under 15 USC-1681b, Request for Blocking Under 15 USC-1681c-2 and XXXX Account Name : ( XXXX XXXX ) Account Number : ( XXXX ) Date of Reporting : XXXXXX/XX/XXXX Description of Inaccuracy : Under XXXX XXXX XXXX, consumer reporting agencies must ensure XXXX the information they report is used for permissible purposes only. I am disputing the accuracy of this information as it has a significant impact on my creditworthiness. I request a thorough investigation into the accuracy of this information as required by 15 USC 1681b. 

As per FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written and unwritten, verbal and nonverbal per 15 USC 6802.

Additionally, I suspect that this inaccurate information maybe a result of identity theft, which falls under the provisions of 15 USC 1681c-2. To address this concern, I kindly request that you investigate the possibility of identity theft and block the reporting of this information if it is found to be a result of such unauthorized activity. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwriten verbal and non-verbal per 15 USC 6802. 

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

I XXXX XXXX XXXX XXXX, am filing this CFPB complaint concerning the continual reporting of inaccuracy on my personal information I have disputed this several itmes. And, yet the credit bureaus keep reporting it on my credit files.

In the credit agencies response, they are saying they report what is being given by creditors.

That is a bold face lie, because I only have one account of concern. And the personal information that is being reported is years old. I dont have any accounts that are reporting on my credit files. Are actively associated to any address, or names currently on my credit files.

This is the credit agencies way of trying to keep the personal information on consumers file. The FCRA says that information is to be 100 % accurately, apparently the credit agencies. Do not know what 100 % accuracy is, therefore they are continually violating federal laws " This is why the credit agencies are constantly being sued. And should be because consumers are constantly dealing with this The personal information on my personal files are outdated and old. Where I no longer have lived for years, so why isit still on my consumer files.

Its not like I can receive any mail there, or be contacted there if I do not live there.And this type of actions aides in fraud and identity theft by having old information on my file.I demand that my personal information be updated to 100 % accuracy.

Which, is my current address listed on my consumer files. There are addresses on my credit file that I have never lived at. Per the FCRA, 15 USC 1681 ( a ) ( 4 ) .There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, and respect for consumer 's right to privacy.

I demand a deletion of all personal identifiable information from my consumercredit report with the exception of : Legal Name : XXXX XXXX XXXX XXXX Legal address : XXXX XXXX XXXX XXXX, Texas XXXX Delete : My XXXX XXXX Delete : My SSN # XXXX Delete : My Phone number XXXX XXXX Delete all other personal information listed on my consum, er file. It is my intention under federal law, to pursue legal actions. For any inaccurate personal information that is not deleted. 

I have obtained a federal complaint form from the XXXX XXXX XXXX XXXX. In Texas where I live to file a Pro-Se complaint against all agencies who do not remove the inaccurate personal information.
Product: Debt collection

This is has been going on for several months, however today was the most egregious violation of the Fair Debt Collection Practice Act that I have ever experienced : Harassment of a third party individual that has nothing to due with debt with 4 repeated simultaneous phone calls after third party requested not to contact her. On fourth call, debt collector advised her that they knew where I lived and would have the XXXX County serve me documents today and hung up on her. ( copy of phone log attached ) The same debt collector also left me an extensive voicemail ( transcript attached ) Claiming of threat that claim was being filed with XXXX County and my personal information would be made public. Please see full content on this attached voicemail transcript. 

When this account was first assigned to this company, I tried to communicate with the individual ( 1. ) I have never received any letter from them identifying who there where and instead was yelled and screamed at with derogatory alternatives of suit ; ( 2. ) I also disputed the amount and date of debt and requested full validation with all documentation and accounting of how they claim this amount. This has been asked three times with a debt collector and they still have not provided information and continue call and leave messages of egregious threat violations. 

I consideration of the Fair Debt Reporting Act - They have reported this debt on my credit bureau files before they ever sent me any letter ( s ) advising me of a assumed debt with them and have also failed to report to the credit bureau that the debt was previous requested to be disputed. 

As of today, I am not only sending them the dispute in writing and requesting that they cease and desist immediately ( per advice of attorney ), I have also obtained the same attorney for possible legal action for such violations,
Product: Credit reporting

I have notified Equifax that I am a victim of identity theft. The following accounts do not belong to me. Please help me in getting this accounts removed from my credit file. 

1. XXXX XXXX Acct # XXXX 2. XXXX - XXXX 3. XXXX ( Reporting XXXX ) 4. XXXX XXXX - Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : WILSHIRE CONSUMER CRED XXXX
Product: Debt collection

THIS COMPANY REPORTING IN MY CREDIT REPORT DEROGATORY ITEMS SKED TO BE REMOVED AND NEVER GET CONTACTED HOWEVER THEY VIOLATE THE CEASE AND DECEIT PLACED 5 MONTHS AGO
Product: Credit reporting or other personal consumer reports

I found fraudulent inquires in my credit report. 1 ) XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX Plese remove that inquires in my credit repor
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significate inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies Equifax and XXXX  are misreporting information on my consumer credit reports and I am demanding the following accounts be removed from my reports as they are inaccurate and the agencies have not verified them in the allotted time. 

XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX Address ID # XXXX
Product: Payday loan, title loan, or personal loan

I called XX/XX/2020 to find out my balance. I have paid 16 payments of XXXX and my balance is the same. My balance is not going down. I understand they want to make a profit but they want to double the amount I owe. I need to settle this debt but I need help because it is never ending. They have the following address listed on web NetCredit XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL.XXXX. They debit my account monthly on the XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ct. XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Experian, I, XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. 



1. XXXX Inquiry date XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 3.XXXX Inquiry date XX/XX/XXXX 4.XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX 5 . XXXX XXXX XXXX Inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 7. XXXX XXXX Inquiry date XX/XX/XXXX 8. XXXX XXXX Inquiry date XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 10. XXXX XXXX Inquiry date XX/XX/XXXX I am disputing these claims due to : I have no knowledge of these inquiries. These inquiries are Fraudulent and I am requesting that they be removed immediately. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Product: Credit reporting or other personal consumer reports

a ) The account was opened on XX/XX/year> b ) Representative from American Express approved the account via an interview based on my credit standing. We spoke on the phone. 
c ) Since I was qualified for the card, a promotional qualification award was granted for my new charges above {$3000.00} in the amount of {$500.00}. 
d ) New charges to XXXX XXXX on XX/XX/XXXX, was in the amount {$3700.00} e ) On XX/XX/XXXX. XXXX  XXXX was made to American Express in the amount of {$3200.00}. I was approved with the promotional award of {$500.00}. 
f ) The remaining balance represents the qualified promotional award for new customer in the amount of {$500.00} ( item c ). 
g ) I have requested American Express to provide an audio recording of our conversation to no avail, and to support the accuracy of this investigation. 
Again, my account balance is incorrect. I stand to be corrected on this issue and please let me know if you have any further questions. 
Thank you XXXX XXXX XXXX
Product: Checking or savings account

I'm writing a complaint against Navy federal credit union regarding multiple overdraft fees I have occurred!. Despite having sufficient funds when the transaction was authorized, I was charged fees due to lagged posting of charges and credits. The issue aligns with the CFPB findings against Navy federal credit Union for similar practices where transaction settled with insufficient balances despite initial availability funds. I believe the practices are unfair and request an investigation into my account transactions!
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to SPEC LOAN SV XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or SPEC LOANs customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/21, my credit score on experian.com dropped by 14 points. Leading up to the drop, I received alerts indicating that my FICO score went up. The drop, therefore, made no sense since I had lowered my credit usage. I contacted Experian by online chat ( transcript attached ) and, although the customer representative was pleasant, she didn't properly express the reason for the drop in the score. If you look carefully at the chat, you'll see that the rep used a canned reply about the decrease ( she couldn't have typed her response that quickly and this tells me that the problem with consumers is not that uncommon ). 

Experian has some premium services that you can sign-up for to increase your credit score. I don't use those premium services and shouldn't have to as long as data/activity is correctly reported. 

Thanks for looking in to this matter!
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries in Question XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX  XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXX EXPERIAN Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries. 
2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions. 

If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter.