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

I am submitting another CFPB complaint to follow up any response from you after the 30 days of investigation. As I revived my Credit file I have noticed that there are still items that are reporting as inaccurate and incomplete in information. 

Please conduct another investigation to the following information and send me the notification that the disputed items have been deleted. 

XXXX XXXX XXXX XXXX : {$430.00} How many times do I have to point out that this account 's payment history is inaccurate and deceptive? I have been contesting for the removal of the late payments from this Account 's payment history in order to repair this account, but you have done nothing. Please entirely remove the past-due payments from this account. 

XXXX  XXXX XXXX Balance Owed : {$0.00} You continue to list this account as being past due despite the fact that it has been closed and has no balance. Credit Reporting must be accurate in accordance with the Fair Credit Reporting Act. How can you incur late fees on a closed account with a {$0.00} balance? I need you to entirely remove this account from my credit report or to remove the account 's history of late payments. 

XXXX XXXX XXXX XXXX : {$160.00} I can't possibly be late with this account report 's dates. I've been maintaining a separate record of payments, and their information differs from mine. Credit Reporting must be accurate in accordance with the FCRA. I ask that you either totally delete this account from my credit report or erase the late payments from the account 's payment history. 

XXXX XXXX XXXX XXXX : {$2600.00} Accounts with chargeoffs must indicate a XXXX balance! Since there is no question that this account is a charge-off, how could you record it with a balance of {$2600.00} if it is a charge-off? I've been asking you to clear the balance and update the account 's payment history, but you've remained silent. I'm asking that you immediately delete this account from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX, ELAN FINANCIAL add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I have also called these companies where the fraud happen and they could not verify my information. I immediately contact the FTC and explained what happen. I have attached the FTC report below along with my driver 's license.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

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

I recently attempted to get pre-approval for a mortgage to buy a new house after obtaining a contract on my existing home. I was not aware of any problems with my credit and knew of no issues that might affect me getting pre-approved for a new mortgage. However, the mortgage broker I enlisted said that my current mortgage company, XXXX XXXX, showed me as being 60 days late on my XXXX payment. I have bank statements ( attached ) showing payments made from XX/XX/XXXX to the current date, XX/XX/XXXX, for the balance due, plus additional principal payment, in the amount of {$1600.00}. I have repeatedly called XXXX XXXX but all attempts at getting anyone to help me have been unsuccessful. They will not work with the credit bureaus to remove the 60 day late notice from my credit report. They continue to refuse my requests to speak with someone that has the authority to help with my request. I have been treated with callous indifference by everyone I have spoken to. As a result, I am at their mercy and will be homeless when I close the sale of my house unless I can get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion does not show last day payment for " XXXX XXXX XXXX '' account. I am request that Transunion deleted this off my credit report.
Product: Student loan

I called navient because I was falling behind on my loan payments. They told me I already had deferred them too much. I told them them I was still in school but they did n't care, I needed to start paying my private loans already. So we made and agreement that they would charge automatically from my bank acounnt XXXX dollars on the XXXX of each month and I stuck with it for a year. 
I lost my job after that year and I could n't afford to have money withdrawn every month so I stopped the plan and let them know. They said I had 60 days before my account would reach deliquency. When that happened I talked to them again and asked if we could start that auto payment option again. They agreed and they charged me XXXX again in XX/XX/XXXX. They said I had to call again to really set up. I did it for XX/XX/XXXX. They told me that on XX/XX/XXXX they would charge me XXXX but after that on the XXXX they would start charging me a different set amount. The lady I spoke to said she was n't sure how much yet. The XXXX came and nothing. They did not withdraw the XXXX dollars. They are now saying i am 77 days in deliquency and that I owe them XXXX dollars on XX/XX/XXXX even though we discussed that there was no way I could make payments like that because that is more than what I make a month. They had already told me that once we started the auto pay option that would not be a problem. Yet this does not show up in the system at all! And they never charged me the XXXX dollars they said they were going to charge me. It 's as if that phone call never happened. What bothers me is that they acted like they were willing to work with me but they never followed through. I 'm frustrated with these people. I 'm not sure if I can trust them anymore. They claim to work with the student and they did for awhile but it seems now they do n't want to. Why do they act like they are working with you when they are not?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 reporting or other personal consumer reports

**Subject : Dispute of Alleged Violation of 18 U.S.C . 1029 Fraudulent Use of Access Devices** XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2024 XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX : Dispute of Alleged Violation of 18 U.S.C . 1029 Fraudulent Use of Access Devices** I am writing to formally dispute an alleged violation of 18 U.S.C. 1029, which pertains to the fraudulent use of access devices, including credit card fraud, unauthorized access to systems, and other related crimes. I have recently been made aware of an issue involving my account ( s ), which I believe to be the result of a misunderstanding, fraud, or error. 

The relevant section of the statute defines a number of fraudulent actions involving unauthorized access to or use of credit, debit, or other financial devices or information. According to the law, an individual can be found in violation of this statute if they knowingly use, possess, or transfer any counterfeit or unauthorized access device with the intent to commit fraud or obtain unlawful financial gain. 

To clarify the situation, I would like to request the following : XXXX. **Clear Explanation of the Alleged Violation** : Please provide me with specific details regarding the alleged violation, including the exact nature of the incident, the involved account ( s ), dates, and any associated documentation ( e.g., transaction records, communication logs ). 

XXXX. **Evidence of Fraudulent Activity** : If the dispute involves claims of fraudulent activity on my part or involving my account ( s ), kindly provide any supporting evidence that has led to these allegations, such as transaction history or relevant correspondence. 

XXXX. **Investigation and Resolution** : If the issue involves fraudulent activity that I did not authorize, I request that your office initiate a formal investigation to determine the source and nature of the alleged offense. In the event that this is the result of a fraudulent claim, I ask that appropriate measures be taken to clear up the matter. 

XXXX. XXXX*My Position** : I categorically deny any involvement in fraudulent activities and assert that I have neither knowingly nor intentionally participated in any actions that would violate 18 U.S.C. 1029. 

Please acknowledge receipt of this dispute letter and provide a timeline for when I can expect a response or resolution. I am confident that through proper investigation and review, this matter can be resolved swiftly. 

If you need additional information or clarification from my side, please dont hesitate to contact me at ( XXXX ) XXXX or via email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX -- - This letter is intended as a formal dispute of an allegation regarding fraudulent use of access devices under 18 U.S.C. 1029. Depending on your specific case, you may need to adjust or add details that reflect your situation more accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account my Equifax report for XXXX XXXXXXXX XXXX was deleted from my report XXXX of 2021. Equifax has now reinserted this previously deleted account onto my reports and I was never notified of this. All consumers have a right to be notified of any reinserted accounts with a five day notice which I never received and this is in violation of my rights as a consumer. I demand that this account is deleted from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mercedez Benz account is reported multiple times only one account should be posted. XXXX XXXX is reporting what the creditors pay them to post even if it's inaccurate. XXXX XXXX is reporting more than once and it's the same accounts.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 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, TransUnions 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that Ive marked as inaccurate : XXXX XXXX XXXX XXXX ( Account # XXXX ) Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Opened : XX/XX/XXXX Balance : {$240.00} XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX # XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX ) Opened : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX ) Opened : XX/XX/XXXX XXXX XXXX ( Collection Account # XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Collection Account XXXX XXXX XXXX Balance : {$380.00} If any items can not be verified within the 30-day statutory time limit outlined in FCRA 611 ( a ) ( 1 ), they must be removed or corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, XXXX, XXXX XXXX XXXX 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 an account without my written instructions. This account reported twice on Transunion, and based on my knowledge I don't owe this debt collector. 
Legal action will be taken if you failed to re-investigate this account and provide the accurate information.
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted American Express for a travel credit that I had not received for my Platinum Credit Card. American Express would not honor the credit until I finally called them on the phone. 

While I was dealing with them, they offered me a retention bonus offer of XXXX rewards points If I spent XXXX dollars within 3 months of accepting the offer. I advised the representative that the offer was fine, but I still wanted my travel credit. This was before they had credited me for the XXXX dollars. I met the spending requirement, and reached out to American Express on XX/XX/2021 to confirm when I would receive the bonus points. The rep advised me that " I did not accept the offer ''. I advised him that that was untrue. I filed a dispute which was XXXX. On XX/XX/2021, I reached out to check on the offer, I was told that it would take 7-10 business days for a resolution. Today, XX/XX/2021, the tenth business day, I once again reached out to AMEX. After being transferred several times, I was told " The Dispute was automatically closed, due to the customer declining the offers '' I was never notified, and was never offered an explanation. 

This entire transaction is on my chat, and is saved on the Amex APP. Amex uses bait and switch tactics to lure customers into thinking they are being taken care of for poor service. I met the spending requirement, and continue to be led on. I would like to receive the XXXX rewards points that I deserve. I asked American Express to provide a pdf of the conversation, they were unable to due to " Privacy Reasons ''. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the following item on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 


XXXX XXXXXXXX XXXX  Account number- XXXX Thank you for your prompt attention to this matter.
Product: Debt collection

EOS CCA XXXX XXXX XXXX XXXX, MA XXXX reference # XXXX This company is trying to collect a debt from me in reference to a XXXX XXXX bill of {$190.00}. I have never used or setup a service contract with XXXX XXXX. I have come across this issue because of checking my credit report and see this listed under collection accounts.
Product: Debt collection

The original debtor never sent the bill to me. They sent ONLY to a debt collector. When I received the bills from the collection agency They were over the amount I should have been charged. The original debtor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XXXX. The Debt collector is Credit Service Inc, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XXXX XXXX.
Product: Credit reporting

On my credit it says I owe the government XXXX dollars which is n't even possible for a XXXX XXXX XXXX who has never had a school loan or a car loan. This is mistaken for someone else and I know it was not me.
Product: Debt collection

several phones calls, threatening letter and messages on my phones about an old debt that was settled several years ago. The original creditor change the card provider prior to the change all balances was paid in full but the collection agency refuses to stop harassing me.This matter was disputed with the credit agencies but the collection agency keep submitting in correct info to justify their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I pulled my report and saw collections 8 or 9 of them. PORTFOLIO RECOVERY ASSOCIATES had reported me for 4 of the 9 collections. XXXX XXXX sold two accounts to them I know this because XXXX  XXXX wrote me two letters I have included. PORTFOLIO reported to the bureaus in a way that on paper it seems like 4 collections. I disputed thinking it was an accident but in return, PORTFOLIO sends me a letter that says verified and ignores the issue. This is how they did it. XXXX XXXX sold Acct # XXXX and Acct # XXXX PORTFOLIO reported it to XXXX  that way XXXX  as well but then reports to XXXX  like this Acct # XXXX which is the same as XXXX and Acct # XXXX which is the same as XXXX. The result is that it would impact my credit score tremendously as it has.
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 redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to get trans union to tell me how they verified this information over and over, but they just continue to send me form letters stating the public record is verified. I have reached out to the courts and they sent me a letter telling me that they do not verify information to the credit bureaus and they do not report information to the credit bureaus. I have also put a security freeze on my account w/   XXXX   XXXX  , so trans union could have not received the information from them. I want this information investigated and removed as this is a violation of the FCRA. I have attached both letters from the BK courts and from  XXXX   XXXX , I have also attached the last letter i sent to them, which took them 7 days to investigate from the time they signed for the letter, and I have attached the latest investigation results. Again, this is a violation of the FCRA
Product: Credit reporting

Currently on 3rd dispute with Experian ( not on any other CR ) XXXX account number per CR XXXX 1st disputed as not mine and supplied police report, ftc, and statement. 
Experian response will take 30 days. When I called up they said 605b request to block must name XXXX specifically. 

2nd dispute, supplied police report with XXXX named as fraudulent. 
Response from Experian wait 30 days request for block denied with no reason. 
30 days passed account changed from charge off with balance to charge off XXXX balance? 
I recived a letter from XXXX stating I am no longer liable for the debt. I uploaded document to Experian and called in. 
On XX/XX/XXXX Experian employee XXXX XXXX ( Super helpful ) actually called WFDS with me on the line. 
XXXX - we do n't have that account number. 
Can we try your Ssn. 
We found that account, charge off with ( name edited ) account included in bankruptcy with ( name edited ). 

Me- this is a fraudulent account, I did n't do-sign with her. 

XXXX would you like to open up an investigation? 

Me -yes. I also have a letter releasing me from liability of this account! 

XXXX correct you are no longer liable. 

Experian - response, we ca n't remove it as XXXX did n't verify it as fraudulent. Open up a case with them and then re-dispute. 

So how did they ( Experian ) investigate this the last 2 times if XXXX has no inclination that I was claiming it as fraudulent. 
I need ( Experian ) to follow FCRA 605b Block fraudulent information and or conduct an adequate investigation! 
The account number it self is n't even correct! 
Maybe start off by telling the creditor that it is claimed as a fraudulent account.