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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 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 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 reporting, credit repair services, or other personal consumer reports

Trans Union Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with XXXX XXXX on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with XXXX  which show that reports are still not consistent and showing incorrect information. 

to show Trans Union XXXX  XXXX  XXXX XXXX XXXX Date of Last Activity 2 Different Dates on Credit Report Trans Union XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Trans Union XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Trans Union XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX duplicate accounts open on my Trans Union and XXXX XXXX XXXX by XXXX XXXX XXXX agency with the same account number and XXXX different amounts. I disputed them but the somehow the credit reporting agency 's determined they were valid? Not sure how that could be? The original account was opened on XX/XX/XXXX account # XXXX in the amount of {$450.00} dollars. The second account was opened on XX/XX/XXXX account # XXXX in the amount of {$460.00} dollars. I disputed these accounts again before sending you this complaint. Although as usual XXXX is having problems with their website. They need to be closed down there is nothing but problems with them. Please have these accounts removed. The credit reporting agency 's should not be able to get away with this. Please protect my rights as a consumer.
Product: Credit reporting or other personal consumer reports

There is inaccurate information reporting on my Experian Credit Report. 
I reached out to Experian to try and have the items remove. There was no resolution. 
There are several unauthorized inquires on my report. 
I have reached out to XXXX XXXX and initiated a disputed as well. 
They are reporting that I was late on my student loans. 
XXXX was the original servicer and I was never late. 
My student loan were transferred over to XXXX  and they are reporting inaccurate information. 
My student loan were paid off and never late. 
Total balance : - DEPT OF ED/XXXX LATE PAYMENT Balance - Balance updated - DEPT OF ED/XXXX  LATE PAYMENT Balance - Balance updated - DEPT OF ED/XXXX  LATE PAYMENT Balance - Balance updated - DEPT OF ED/XXXX LATE PAYMENT Balance - Balance updated - DEPT OF ED/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information being reported on my XXXX XXXX account ( # XXXX ). Despite filing a complaint with the CFPB against the major credit bureaus, no resolution has been reached. I have identified numerous inaccuracies and demand that this account be deleted. I have made several complaints in the past, but each time, no action has been taken. 
Attached are several documents from XXXX, TransUnion, XXXX, XXXX XXXX, and XXXX XXXX, which provide evidence of inaccurate reporting by the credit bureaus. XXXX XXXX XXXX  is the original CFPB complaint that I previously submitted and was not taken seriously, so I request that you review it thoroughly. Document # 2 is the XXXX XXXX report, where I have highlighted that the account is fully paid off and shows no late payments ( XXXX ) days late. However, the credit bureau reports otherwise, indicating an inaccuracy. Document # 3 from XXXX confirms that I have XXXX late payments. Document # 4 further supports that the account is paid in full. Document # 5 from XXXX XXXX shows several highlighted inaccuracies, including incorrect reporting of the date opened, high credit, last date active, and discrepancies among the major credit bureaus regarding how the account was reported in XXXX. Documents # 6 and # 7 outline the laws that credit bureaus must follow, specifying that if inaccurate information is reported, it must be deleted. With the evidence and documentation provided, it is clear that there are significant inaccuracies in the reporting of my XXXX XXXX account. I am requesting that this account be either deleted or corrected ON TIME PAYMENT, as it is my right to have accurate information reflected on my credit report.
Product: Vehicle loan or lease

My ex-wife ( XXXX XXXX XXXX - now XXXX ) and I ( XXXX XXXX XXXX ) are co-owners of a XXXX XXXX XXXX XXXX that is financed Through BMW Financial Services. She recently moved to Florida and went through the process of titling the vehicle solely in her name. Prior to her doing this I contacted BMW Financial and expressed my concern over her titling the vehicle solely in her name. I was not willing to do this unless BMW removed my name from the loan. I was told BMW would not allow this to happen. 

Well they did just exactly that. They issued a letter to the Dept of Motor Vehicles in the State of Florida giving them permission to remove my name from the registration and title. I feel now I have no recourse if XXXX fails to make payments on the loan. I was told by BMW Financial XXXX could refinance the loan and take my name off. This was the only way I would come off that loan. She is not willing to do that. Why would she? 

So my complaint is : BMW has caused by their actions to create an imperfect title. 

Resolution : Remove my name from the vehicle loan and make XXXX XXXX XXXX solely responsible for the existing loan or issue a new loan attached to the XXXX  XXXX XXXX that is now in her name only. Or at the very least a letter from BMW Financial stating that if XXXX were to default on the loan they will not seek restitution from me. 

I have attached a copy of the letter from BMW and a copy of the old title for the XXXX XXXX XXXX. giving this permission to remove my name from the title.
Product: Debt collection

Cardinal Financial purchase credits and was extended a loan from the Federal Reserve, my promissory note was giving to the Federal Reserve in exchange for the loan Cardinal Financial received for the for my promissory note. Cardinal Financial misrepresented my trust agreement and stated it was a mortgage contract, yet only I signed therefore, the document is NOT a contract. Cardinal Financial deceived me to think I cause a debt liability, but in fact my promissory note added assets to Cardinal Financial bank ledger. Cardinal Financial deceive me and FHA-HUD with fraudulent closing disclosure statements and misrepresented security instrument to accurate a true. Cardinal Financial sold my personal private information to XXXXXXXX XXXX and/or XXXX XXXX  a 3rd party debt collector who altered my security instrument by conspiring with an unlicensed title company of the state in which the real property is located, Texas. XXXXXXXX XXXX  and/or XXXX XXXX the 3rd party debt collector harassed and abused me and my household by sending agents and spasming my home address for sale, in addition to threaten to sell my homestead after an OFFICIAL ORDER OF RESCISSION OF MORTGAGE was granted. XXXX XXXX and/or XXXX XXXX  used deceptive practices and misrepresented documentation by recording fraudulent liens & assignment against my property. XXXX XXXX and/or Freedom mortgage used the United States Mail to extort, threaten, misrepresent, and deceive me after recording " MERS sold the loan to XXXXXXXX XXXX and/or XXXXXXXX XXXX  in XXXX '' then XXXXXXXX XXXX and/or XXXX XXXX sent mail stating MERS accelerated the mortgage XXXX. An ORDER OF MORTGAGE RESCISSION IS RECORDED AGAINST MY ORIGINAL MORTGAGE, XXXX XXXX and/or XXXX XXXX CEASE & DESIST do not contact XXXX XXXX by electronic nor ground mail, phone, text or ANY SORT of communication. You have been found to commit fraud and are a criminal. Additionally, sanctions SHALL be file against you.
Product: Debt collection

CONN 'S , INC. Is alleging I owe a debt but after further investigation I found Conns Inc on the UNITED STATES SECURITIES AND EXCHANGE COMMISSION listed as CONN 'S , INC. ( Exact name of registrant as specified in its charter ) Commission File Number XXXX by their own admission they take possession of the note as a receivable and pool them together to sell for profits. There is no way I am in debt when the security is being traded for profits which is my bearer security and should be transferred to me. Furthermore any termination of consumer credit lines I am due the balance. Due to the fraud I have found I reported this account to the IRS so they may perform a full audit of this account to see how much has been paid and reported. 

XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than XXXX months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

( b ) Account termination.

( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
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 regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/year> under the account number ( private ) with a balance of {$6200.00} the aforementioned appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I'm currently in the market to purchase a home and before I actually start the process I wanted to review my credit report again. After carefully reviewing it I noticed a couple of items that are not mine and I have no idea where they came from. It's kinda of scary that something like this can happen. I've reached out to the FTC and to local police department and I am doing this all on my own.These items are not mine and I have no idea how this happened but these items need to be removed from my credit report.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 reporting, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about? 

XXXX XXXX has sent inaccurate tradeline information to Equifax about my credit card four times in XX/XX/XXXX. 
I want the inaccurate tradeline information removed, and have contacted customer service at XXXX XXXX and Equifax to alert them that the information is inaccurate, and I want it removed. 

Step 2 : What type of problem are you having?

My credit report is continuously monitored by the TrustedID Premier service by Equifax. I have received four emails in XX/XX/XXXX notifying me about changes to my credit report, made by XXXX XXXX. The changes to my tradeline that have been reported to me are inaccurate. 

Step 3 : What happened? 

On XX/XX/2018 and XX/XX/2018, XXXX XXXX reported to Equifax that my account had been Affected by natural or declared disaster. 
This is wrong. I have not been affected by natural or declared disasters, and I did not make any such report, ever. I know of no natural or declared disasters in my surrounding area. 
On XX/XX/2018 and XX/XX/2018, XXXX XXXX reported to Equifax that Consumer disputes after resolution. 
This is wrong. I did not make any consumer dispute on my XX/XX/XXXX account in XXXX or XX/XX/2018 at all. I paid my accounts on time in each case, without making any kind of dispute. 

Step 4 : What company is this complaint about? 

This complaint is about XX/XX/XXXX customer service and Equifax TrustedID Premier Customer Care. 
I contacted the TrustedID Premier Customer Care Team at XXXX on XX/XX/2018 to report the inaccurate tradeline update made to my credit report by XXXX XXXX. Equifax TrustedID Premier Customer Care Team told me there was nothing they could do, and I should call XX/XX/XXXX. 
I called XXXX XXXX customer service ( XXXX ) on XX/XX/2018, and described the problem to them. They said they would clear up the inaccurate information and remove it from my credit report. 
On XX/XX/2018 I received a letter from XXXX XXXX saying they corrected the issue. However, they did not. The inaccurate information has remained on my credit report, and they have added more incorrect information each month of XX/XX/XXXX. 
In addition, the correction XXXX XXXX claimed to have put in place was in itself inaccurate. They said my account was no longer in dispute. That was not trueit was never in dispute in the first place. 
When I received information about more inaccurate updated tradeline reports being made to my credit report by XXXX XXXX, I called their customer service line again on XX/XX/2018 to complain about the inaccurate information they keep reporting to Equifax. 
Once again, XXXX XXXX did nothing to correct the situation. 

Step 5 : Who are the people involved? 

The people involved are myself and the customer service representatives at XXXX XXXX and Equifax TrustedID XXXX Customer Care.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, i am submitting this complaint for myself, there is no 3rd party involved. On XX/XX/XXXX of 2021, i mailed a dispute letter to XXXX  Equifax and XXXX outlining their violations.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am writing to file a formal complaint against CAPITAL ONE, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
CAPITAL ONE, with contact information at XXXX XXXX XXXX XXXX XXXX, UT XXXX, and phone number, ( XXXX ) XXXX, has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights.

In addition, I believe that CAPITAL ONE has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures.

I kindly request that the CFPB investigate these violations and take appropriate action against CAPITAL ONE to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold CAPITAL ONE accountable for their unlawful conduct.

Enclosed with this letter are copies of relevant documents supporting my complaint. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the laws designed to protect consumers.
Product: Checking or savings account

XX/XX/XXXX SSA deposited 2 SSA Checks {$1700.00} each into my account. Company handling the direct deposit said to wait 3-5 days to receive the deposit and i never received it. The company is now refusing to help and making the process of getting my checks harder then what it is. Cause the refusing to release the checks to me i am now homeless and missing school cause of this. I already contacted SSA and they said they tried all they can do and this was XX/XX/2020. Company is CashApp and the Bank is XXXX
Product: Checking or savings account

I activated the offer for XXXX XXXX XXXX on my Ace Elite Netspend account. The terms stated that I would get {$40.00} back for making a wireless plan purchase of {$65.00} or more. The offer was good for all of XXXX and I made the purchase on XXXX. I should have received the cashback within 5 business days but I haven't. XXXX XXXX is refusing to pay out the cashback.
Product: Credit reporting or other personal consumer reports

I told company it was fraud and they refused to provide info or delete account. My information was breached in the XXXX breach and social security number was used
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 an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute 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.