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

Upon recently checking all my credit reports, I noticed a credit card from 2016 reporting on my credit report. This is not my account! I did not open this account and have no knowledge of it. This account is clearly due to identity theft and I have filed an identity theft report regarding this account. 

XXXX XXXX Account Number : XXXX Account Type : Credit Card, Terms XXXX  Account Status : Unpaid balance reported as a loss by XXXX XXXX Opened On : XXXX Reported On : XXXX Account Condition : Closed Responsibility : Individual Payment Type : Revolving Months History : XXXX Payment Status : 150 days past due Payment Status Date : XXXX Credit Limit : {$1000.00} Current Balance : {$1300.00} Highest Balance : {$0.00} Payment : $ XXXX Past Due : {$1300.00} Most Recent Payment : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning my name is XXXX XXXX. I am contacting this office because there has been incorrect updating that has been affecting my credit score. The negative impacts have been impacting me in a negative way in my current milestone I am trying to reach. I am currently buying my first new home and my credit has been an outgoing factor that has been causing a lot of stress during this time. My mother XXXX XXXX has added me to her XXXX XXXX and Home Depot credit cards which have been helping my score. Her score keeps increasing and it seems mine is taking quite some time or for instance decreasing which is why I am doing complaint. The issue that is happening is that my mother paid off a significant amount of the balance that was owed in both of these credit cards which made her score increase but not mine and now my credit decreased which has not happened before it always increases my score. My credit score was at XXXX and it decreased to XXXX from XX/XX/XXXX until present date. If your office can kindly review my account and complete the changes that need to be done like updating correctly so my score will stop being affected.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please so kind as to delete this inaccurate information from my credit profile within the next XXXX days, I would greatly appreciate it. Its my understanding that you have up to XXXX days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


My current and only address is XXXX XXXX XXXX XXXX XXXX, AZ XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. 


My SSN : XXXX You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is XXXX : XX/XX/1988. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


Thank you, in advance, for honoring my requests. I would like an updated version of my corrected profile as soon as you have deleted the inaccuracies Ive listed above. 


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

I am filing a complaint against Cash App ( Block , Inc. ) due to inaccurate customer service and unfair practices, which violated the Consumers Financial Protection Act ( CFPA ). Specifically, Cash App failed 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 require requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have called significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to a technical issue with XXXX XXXX 's billing system. My payments were made on time, as confirmed by my bank records, but they were incorrectly posted late due to a delay in the creditors system. This error resulted in my account being marked as 30, 60, and 90 days late, which is not reflective of my actual payment behavior. 
Evidence provided : Bank statement showing the payments made on time. 
Correspondence from XXXX XXXX acknowledging the technical issue with their billing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I have contacted the credit bureaus on several occasions over the duration of approximately 3 months. I have insisted that several inquiries made on my credit report between the dates of XX/XX/XXXX-XX/XX/XXXX were not authorized inquiries. I advised the credit bureau that the only inquiries that were valid during that time frame were from XXXX, otherwise known as XXXX XXXX XXXX XXXX. I demanded removal of said items due to them not being authorized and was informed by the bureau that I would just have to " wait the 25 months '' for them to be automatically removed. After several attempts at disputing the information, I noticed that my disputes were opened on the day of the call, and almost immediately closed before 24 hours had even lapsed. This credit bureau has not truly investigated my dispute, because if they had, they would find that these companies have no authorization from myself to obtain a copy of my credit report. The credit bureau has also stated that there is NOTHING that can be done about lenders falsely obtaining my credit report.

XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX a XXXX XXXX XXXX was released to XXXX XXXX XXXX ( my son ) with the co-sign of XXXX XXXX XXXX. On XX/XX/XXXX the date of repossession was implemented. No opportunity to get the vehicle back was given. No reduction of balance was given after new resale of vehicle. Have asked for reduction of balance due to re-sale no agreement was given. {$13000.00} is the remaining balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2018 ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA, it has been more than 30-days.
Product: Checking or savings account

I was a customer of Simple bank. We were supposed to transition to Simple 's parent BBVA on XX/XX/XXXX. BBVA was supposed to transition all Simple customers to its online and mobile platform, however the transition has been a failure. I was not able to gain online or mobile access to my account on XXXX and as of XX/XX/10 still have not been able to access my account. This is shared account that my wife and I own with a balance of around $ XXXX including checkings and savings ( I can't confirm the exact balance because I can't access my account ). I've been trying to reach BBVA 's customer help line since XX/XX/XXXX however, however I've been unsuccessful at getting help. When I call I get placed on hold and after waiting for 30 to 40 minutes, my call is dropped. BBVA has not emailed me regarding the issues its encountering with the transition, I've had to check their twitter account to stay up to date. My wife and I are in the middle of purchasing a home and require real-time access to our bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday evening ( XX/XX/XXXX ) I attempted to use equifaxsecurity2017.com to check whether my information was part of a hack Equifax experienced this summer. Instead of allowing me to simply check my status, it enrolled me in their XXXX service immediately upon entering the information requested, and asked me to check back in next week to confirm my enrollment. I do not consent to their service. 

According to Equifax 's website ( equifaxsecurity2017.com ) this evening ( XX/XX/XXXX ), my  personal information may have been compromised by their hack. I have been unable to contact Equifax to receive further information. As of XXXX EST this evening, their phone only gave a busy tone. I then called again at XXXX, stayed on hold for 56 minutes until the hold music stopped and only silence could be heard on the other side of the line. ( I then stayed on the line for at least another 15 minutes  hoping someone might notice me. ) Equifax provides no email address to contact them. 

I do not consent to waive my right to be part of a class action lawsuit against the company, nor do I consent to the use of their services. I have been unable to find a way to contact XXXX to request more information regarding my status on these issues.
Product: Checking or savings account

i tried numerous times to contact huntington bank and let them know that all charges were fraud on my account but they never helped me now i started with XXXX dollars to the good band they closed me out officially at XXXX in charges all from them with no help for me to just get rid of the nuisance
Product: Checking or savings account

On XX/XX/XXXX I noticed that my account was closed so I called Chase Bank and they would not give me any information about my account they said the account was closed and my money that was in the account would be sent out in 10 business days. I didnt receive a letter of closure until XX/XX/XXXX from a letter they sent out on XX/XX/XXXX stating that they restricted my account and might be closing it soon and to contact them to provide information to keep it open so I called again and the woman said that the account had been closed on the XXXX so I would be getting my check within 10 days of that day and that I could call back to get updates about the check. I call again on Monday the XXXX to get an update on it and the woman told me that the account had not yet been fully closed until 10 business days then I will be able to get my money. Then we called back to speak to a manager and he said the account was only restricted and he wouldnt give any information about my account and when I would be getting the {$5200.00} from my wifes IRS refund that was put into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy as the consumer, and as the original creditor, I am demanding the following Pursuant to FDCPA 15 USC1666b TIMING OF PAYMENTS- Remove the 4 missed payments on my XXXX XXXX XXXX credit card ending in 9513. This is an open ended credit card. Pursuant to 15 USC 1692j, XXXX, Transunion, XXXX, and XXXX XXXX XXXX are in violation. They are furnishing deceptive forms on my consumer report. Pursuant to 15 USC 6821, this is violating my customer privacy rights. Pursuant to 15 USC 6823, they are all eligible for criminal penalties. Pursuant to 18 USC 3571 ( c ), they are all eligible for federal fines. Pursuant to 15 USC 1692d, this is harassment and abuse upon my life.

If this is not removed, I will be invoking my monetary remedy pursuant to FDCPA 15 USC 1692k, in addition to criminal penalty under 18 USC 3571.
Product: Student loan

To Whom It May Concern : I had two loans described below : 1 ) Stafford for {$4200.00} 2 ) DL Stafford for {$4900.00}. 

The school was either XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. 

I paid of the full balances of these two loans about three years ago. Since then, XXXX XXXX XXXX kept sending me generic notices confirming that my loans were paid off and that I had no payment due. I kept meaning to call them and ask them to stop sending me these notices in order to save the paper, but it took me awhile. I finally did that today on XX/XX/XXXX. When I asked them to stop mailing these notices, they said I had a balance. I was shocked! I do not think there is any possible way that could be accurate. I told them that I have been receiving these notices ever since I paid off the loans, and they all say the same thing : that I have a XXXX balance with no payment due. One of the latest notices I got, which is right beside me now, shows the two loans and states at the top : PAID IN FULL NOTIFICATION. 

However, the customer service agent at XXXX XXXX told me that I owed interest of {$71.00} and an additional {$13.00}. Where on Earth did these amounts come from after three years? And why didn't they ever send me a notice clearly stating this? They never did, and now they expect me to pay this so-called interest that's been accumulating all of this time. Interest that's been accumulating on what, I am not certain. As I said, I paid these off in full in XXXX. 

I believe this practice of XXXX XXXX to be completely deceptive and disreputable. I told them that it must be their error, and they did not offer to adjust it or to listen to my explanation, for that matter. 

Of the two most recent notices I received, one was the paid-in-full notice mentioned above. The other one says monthly bill at the top. These are the same notices I've been receiving for the past three years. These bills always had a bunch of zeros on them, which is why I stopped paying attention to them and why I asked XXXX XXXX to stop sending them to me, in order to save the resources. When I looked more closely at this current " bill, '' it shows {$71.00} in the Current Balance box. I still do not know where this amount came from. I am certain it is an error. If it is not, XXXX XXXX must do a much better job of alerting their customers, in my case former customer, of any remaining or outstanding balances. It is not an ethical practice to state zero balances for years and then to suddenly show a balance that didn't exist before. It is also a very unsound and incompetent reporting process to state loans are paid in full and no payment is due but then contradict and state that I now owe interest. 

Please help me resolve this issue with XXXX XXXX, not just for my benefit but for every customer they now have or will have in the future. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/2022 I submitted a dispute to all 3 credit bureaus concerning an inaccurate account that I discovered appearing on my credit report. ARS Reference # XXXX I also sent a direct dispute to ARS please see their attached response which is insufficent and violates the FCRA and FDCPA. I Sent a second letter to ARS on XXXX XXXX requesting deletion ARS verified this account with the credit bureaus. This inaccurate derogatory information is preventing me from closing on my pending home loan. ARS is fully aware that I do not owe any such debt yet they continue to pursue me. I was a victim of a crime in which I sustained physical injuries. I was treated at a hospital in Texas while visiting relatives. I sent ARS a copy of the police report and instructed them to have their client submit a claim to the victim restitution fund. I recently sent a copy of all this information to the hospital in hopes they will rescind this account from ARS.I will be pursuing legal action for damages against both ARS and the hospital if this matter is not immediately resolved and purged off my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX disputed inaccurate accounts with TRANSUNION per certified mail on XX/XX/XXXX TRANSUNION mailed back INVESTIGATION RESULTS AS VERIFIED on XX/XX/XXXX BUT ONCE AGAIN NO INDEPENDENT INVESTIGATION WAS COMPLETED AS TRANSUNION ONCE AGAIN CLAIMS ACCOUNTS AS VERIFIED BY PARROTING INFORMATION THEY RECEIVED FROM CREDITORS PROOF OF NO INDEPENDENT INVESTIGATION BEING DONE BY TRANSUNION CLEARLY SHOWS UP ON MY RECENT UPDATED CREDIT REPORTS, BECAUSE THE " DATE UPDATED '' DATES DID NOT CHANGE AND SHOWS A DATE FROM XXXX and XXXX, EVEN THOUGH I DISPUTED THESE ACCOUNTS LAST MONTH, A CLEAR SIGN OF NO INVESTIGATION AND A CLEAR VILOATION OF MY RIGHTS AS WELL AS HARMING ME FROM GETTING NEW EMPLOYMENT! 

THE FOLLOWING INACCURATE ACCOUNTS WERE NEVER UPDATED XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ENHANCED RECOVERY COMPANY IS IN VIOLATION OF THE FCRA. THEY HAVE AN ACCOUNT ON MY XXXX   CREDIT REPORT THAT IA NOT MINE AND DOES NOT BELONG TO ME.
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 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 XXXXXXXX has violated my rights. Or a list of inquiries : 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: Mortgage

Good afternoon, I purchased a home through XXXX XXXX and my home closed on XXXX/XXXX/XXXX after a VERY long drawn out process. My first payment was due to Moria Development on XXXX XXXX XXXX. I reached out to XXXX XXXX to ask how I make my payment and was advised to mail my payment to Moria development. I was told my loan was going to be transferred to a new servicer ( I was not informed of who the servicer would be ). I made my payment early and mailed in a Cashiers check to Moria development which they received AND cashed on XXXX/XXXX/XXXX ( confirmed by XXXX XXXX because I got a letter on XXXX/XXXX/XXXX saying XXXX was taking over my loan as of XXXX/XXXX/XXXX so I wanted to confirm they got my payment ). XXXX XXXX XXXX contacted me early XXXX to advise my payment was late. I let XXXX XXXX know I was n't sure what they are referring to because I made my payment to Moria development and got conformation from XXXX XXXX at XXXXXXXX XXXX that Moria development received the payment. I received a letter in the mail from XXXX XXXX around XXXX XXXX or XXXX stating my loan had been transferred to them as of XXXX/XXXX/XXXX. I am in the middle of a battle with XXXX XXXX and XXXX XXXX to try and figure out resolving this " late or missing payment '' issue. I have been in contact with XXXX XXXX numerous times and I feel my needs are not being met. I was informed by XXXX XXXX at XXXX XXXX that this would be handled and if I had any issues with XXXX XXXX to reach out to them and they will handle it. The last few times I have reached out to XXXX XXXX about this issue it has been ignored. I 'm told someone will follow up with me shortly and nobody ever calls me back or emails me back. I sent an email on XXXX advising I still need help because XXXX XXXX calls and emails me all the time about this missing payment. I 'm not sure what else I can do at this point as my needs are not being met, I was not informed of this servicing transfer until after it took place, I 'm being harassed by XXXX XXXX, and nobody can seem to get back in touch with me at XXXX XXXX.
Product: Mortgage

This is the 5th CFPB complaint against the fraudster Select Portfolio Servicing ( SPS ), since XX/XX/2020. The fraudster Select Portfolio Servicing ( SPS ) s real business goal is to fraudulently manufacture foreclosure and this is how the fraudster Select Portfolio Servicing ( SPS ) makes money. The fraudster Select Portfolio Servicing ( SPS ) refused to ( i ) respond to the Qualified Written Request ( QWR ) under RESPA and ( 2 ) mail monthly statement, showing how all my payments are applied ; including that the fraudster Select Portfolio Servicing ( SPS ) cashed the XX/XX/2020 mortgage payment from my bank XXXX XXXX  via ACH.