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

I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent me a credit file on the XX/XX/2019, I submitted on the next day Disputes and then Resubmitted again when I was not notified of the original disputes results. I filled with FTC and my local authorities and the creditors and credit companies XXXX, Equifax, XXXX, and XXXX. XXXX has already finished up all the disputes and items were removed from my report. I have and will up load them with this complaint the confirmation fax and certified mail confirmation of received mail from XXXX office where i faxed from and the US post office where I sent the certified letter from. I have called numerous times with disbelief about the whereabouts of my personal documents. I a Identity theft victim already and it seems like its happening once again. The thirty days the said before it up today for the re-disputed items and they have said repeatedly that all they have is incomplete information sent XX/XX/2019 via fax. They are still furnishing information that is incorrect and the results of identity theft. I have been turned down for Jobs I've waited to interview for six months previously and lost out due to not being notified of results that i could have informed my future employer and would have been permitted to have a interview at a later date. I lost my Job due to this as well and i am not able to receive state assistance due to this. I can not apply for credit or services or goods as well. My basic living situation is in turmoil due to the results of identity theft and it's worse when you do everything to fix the effects of identity theft and run into an unfair situation with a Credit Reporting Co. and your the Rights you think you have isn't so true. As i read the FCRA and notice to Furnishers of information ; Obligations of Furnishers under the FRCA. The 611, 609 ( e ) and I really feel as if them Rights have been violated by Equifax although I am not for sure I knew the right thing to do is contact the CFPD and file another complaint. The complaint on file now for Equifax has yet to be replied to from CFPD to Equifax. So I can only hope that they take this complaint seriously and reply to the complaint or notify me that my Documents have been received and that they will do what they were sent for with my documents and protect and secure my personal information that I paid to send. This matter is very serious as it involves Identity Theft. I am afraid at this very moment for my personal information is in the wrong hands due to Equifax and past events within there company. Respectfully, I'm afraid I need help please help me CFPD!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advise by XXXX, Equifax that my XXXX Bankruptcy was given to them by a third party that was furnished by the court. I contacted the court by mail and the court stated that they DO NOT give out personal information I submitted the needed documentation to the credit bureau to remove this item from my credit profile and this still has not happened. 
15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer services 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 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

My Equifax report is not showing and no scores or account is available. 
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made full payment on this account but capital one is still reporting it to my credit as charged off. under 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). and in section 603 ( p ), 15 U.S.C. ss 1681b ( a ) ( 1 ) ( 2 ), 15 U.S.C. ss 1681a ( 2 ) ( A ) ( i ) 15 U.S.C. ss 1681a ( 2 ) ( B ) 15 U.S.C. ss 1681e ( b )
Product: Credit reporting or other personal consumer reports

Noticed some accounts on my report that were not authorized. Reached out to creditors but no luck, please help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act my rights have been violated : 15 U.S.C 1681Section 604 A States I have the right of 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.

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 of records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s_2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any information is inaccurate. 
I dont recognize some inquiries on accounts in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Put an order through coinbase. Coinbase put a 9 day hold on my transfer. I called them before transaction went through and they said I could not cancel. The digital asset in question has yet to be rendered to me and refused to cancel my order and said they would take the money out of my bank anyways. They said there was no way to cancel an order. They just take your money and give you the asset when it is worth far less.
Product: Vehicle loan or lease

On XX/XX/XXXX the CT DMV sent the title of the XXXX XXXX XXXX to Navy Federal Credit Union at : ( per online Navy Federal site information ), Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

I have phone logs of the times I have called to NAVY FEDERAL over the past year to request a title loan duplicate form. 

As of today : XX/XX/XXXX I have asked " XXXX, '' for a history of logs pertaining to my : phone calls of inquiry on this matter, loan, and mailing history on this matter. To which he said. " NO. '' I want this recoding as well as all the recordings brought into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have asked the bureaus numerous times to update all of my personal info ( name, address, employer ) and they refuse to remove information that is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a FTC ID Theft Report for charge-offs from various companies that did everything illegal pertaining to charge-offs being on my credit profile. Per IRS publication 4681 no canceled debt/charge-off should be published on a consumer 's credit report because it is considered income and income CAN NOT BE ON A CONSUMER 'S CREDIT REPORT. They were removed a month ago, now XXXX has published a charge-off from Discover Financial Services who did not send a IRS 1099c form breaking down the interest and the principal of what was canceled in regards to this alleged debt, so that I can report it properly on my taxes ... also no one from Discover Financial has informed me the federally protected consumer who's the victim of this blatant identity theft again after the first report was submitted, that they have a repurchase agreement for this alleged debt. I have no verbal nor written knowledge of Discover possessing that repurchase agreement and I never received the REQUIRED IRS XXXX form. XXXX is in straight violation of my consumer rights as stated in the FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt as well as REPEATING AN OFFENSE OF ID THEFT by re-publishing what is truthfully ID Theft, this is a hindrance on me mentally, physically and financially and is very unacceptable. XXXX as well as Discover have ID Theft on their hands and this is criminal per Title 18 U.S.C. please see attachments
Product: Debt collection

My info was stollen and used to rent a reffrigarator
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX | DOB  : XX/XX/XXXX Trans Union LLC XXXXXXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

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

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

1 ) XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Mortgage

I received a prequalification for a loan from Chase Home Lending to purchase a single family residence in Ohio. I spent many hours providing all of my personal information, tax returns and documents requested by Chase. I worked with XXXX XXXX at XXXX and XXXX XXXX at XXXX. They were constantly asking for more a more information and I provided as much as I could as fast as possible. I was looking to get a loan for {$130000.00}. I have excellent credit and funds to back up the monies needed to obtain the loan. It took over two months to get everything to underwriting. They required me to purchase an appraisal and I paid for it on my credit card. They said the loan was going to be sent to underwriting and then we could look at committing to an exact closing date. The contract closing date was XX/XX/2021. I received a phone call on XX/XX/XXXX from XXXX 's manager and he left a voice mail. I tried to return his call five times and was unable to reach him and he did not have voicemail. I finally heard back from him the following Monday. He told me they closed my loan and could not go any further with the loan. I asked him what the problem was and he said he couldn't disclose that to me. They provided me no explanation on my own loan. He said they are not allowed to tell me why my loan did not go through. I was not given any options to find out what happened and was told they would not be refunding any money I have put towards the loan. I asked him how can they ask for all of my personal information and prequalify me, require me to purchase an appraisal and then just day no with no reason. If it was my credit or XXXX  then I need to know so I can address any issues. He said he couldn't share any of that with me. XXXX was asked when was it disclosed to me that they can just decide to pull the loan with no explanation and he said they do not disclose this to the consumer which I find inexcusable. The consumer should have the right to know what is going on with their personal finances. Not only did we lose the house, I am now out the money for the inspection ( {$370.00} ) and the appraisal ( {$650.00} ) and numerous fees charged by my accountant to pull all of the tax documents the lender requested with absolutely no recourse or any information. They basically washed their hands of me because they claim to be the biggest financial institution in the world and I am just one person that has little meaning to them. I am concerned that someone can be asked to provide any and all information in good faith of the lender and then be treated like this.
Product: Prepaid card

I was gifted an American Express gift card as a gift but the card doesnt work at any stores. Ive tried at approximately XXXX different stores only to receive the same reader error at every store. You sit on hold forever with the number for help with American Express
Product: Mortgage

In assuming a VA mortgage with Fifth Third Bank, they allowed the escrow company to send financial statements including, Name, DOB, SS #, Credit Card information andmortgage information in an unsecured and unencrypted email to the seller. This wasfor both my wife and myself. 
Escrow Company:XXXX XXXX XXXX XXXX XXXX, KS XXXXXXXX Closer : XXXX XXXX XXXX ( XXXX ) XXXX Ext. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC System Inc., has not reported to the credit bureau truthfully regarding my account being closed and paid in full now. I have submitted a payment for my past due bill approximately XX/XX/2021 and have returned the cable equipment to the original creditor ( XXXX  ). I also have submitted the receipt for the returned equipment to the email provided by IC System Inc., The account still shows like the balance for the equipment is still owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that TransUnion is reporting one inaccurate negative item in my account on XXXX XXXX, two inaccurate negatives on XXXX, and one inaccurate negative on XXXX XXXX. The four negative accounts are showing that I have a chargeoff account that has a balance on it. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter
Product: Vehicle loan or lease

I would like to report an unfair Business Practice. Every month Premier Acceptance XXXX XXXX XXXX XXXX XXXX IN XXXX call me on a daily basis while I am within my grace period concerning my car payment. I have had this loan for 2 years now and for the vast majority of my loan I have always paid on time or within the 10 days grace period. My car payment is due on the XXXX of each month and I was told that I have a 10 day grace period with which I utilize but I always pay my car payment on or before the XXXX of the month. I wrote a request on my XX/XX/XXXX car payment advising I would be making my payment within my grace period and I would appreciate if they stop calling me while I am within my grace period. But they continue to call daily while I am within my grace period Harassing me about a car payment and they also call my daughter who is also on the loan. I called today XX/XX/19 and spoke with XXXX to try and resolve this issue but he advised me they will continue to operate in the same manner and call me within my grace period. I asked him why do you even give a grace period if you're going to call and bug the customer about a car payment and not even allow them the time you have given them to make a payment first? He did not have an answer. I think this is a bad business practice and if you look at the reviews on there website you will see several complaints from Customers.
Product: Credit reporting or other personal consumer reports

I have ask the 3 credit report agencies to delet these to accounts since I have no proof of original source or ever entering in contract with them XXXX XXXX XXXX {$450.00} Open balance XXXX XXXX XXXX {$440.00} Open balance I have asked 5 times to send proof of the original source or contract that enter with these two companies all investigations claim its correct but fail to give me any proof
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I've provided police reports and FTC reports to support. I have debt and accounts attributed to my credit profile that I do not recognize and I never authorized. The creditors and debt XXXX have been contacted and refuse to fully validate debt as authentic beyond a reasonable doubt and pressure for payments despite the debt being the result of identity theft.
Product: Credit reporting or other personal consumer reports

I AM A XXXX XXXX XXXX XXXX PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Product: Consumer Loan

I purchased a mattress from XXXX XXXX on XXXX/XXXX/XXXX and chose to pay the mattress with their interest-free financing promotion given that the balance of {$5000.00} was paid in 36 months through GE Capital, which is now Synchrony Bank. I needed to set up my monthly payments online, and at the time, the only option I had was to pay the minimum payment each month. On GE Capital 's website, I could n't set a custom amount for the monthly auto-payment, as I wanted to ensure that I pay my balance completely before the 36 months. 


Every month, GE/Synchrony sends an email to my inbox with a summary of my statement, which contains only three pieces of information : due date, balance, and minimum payment due. The email does not display at all when the interest-free promotion will end. To further exacerbate the problem, the monthly emails from Synchrony went to the " clutter '' folder in my inbox and did n't get my attention until it was too late. 


When I finally had the chance to log into my account on Synchrony 's website on XXXX/XXXX/XXXX, I was shocked to see that I now have a balance of {$5800.00}. I learned that the promotional date ( XXXX/XXXX/XXXX ) was passed without any prior warning. I was able to see the promotional end date only after logging in to my account on Synchrony 's website. I pulled up my original purchase document and saw a statement saying " If the promotional purchase balance is not paid in full by the end of this Promotional Period, interest will be imposed from the date of purchase at the APR of 29.99 % ''. It became apparent to me that the minimum monthly payments I could set up three years ago did n't adequate cover the full purchase price. Still shocked at the revelation, I checked my statements from earlier this year and saw that the monthly payment to Synchrony kept decreasing every month and is no longer the amount that I first set up with. 


The significant problem with this loan structure is that all of the accumulated interest is put on the consumer all at once after a certain date has passed. What 's worse is that for people like myself who did n't recognize the huge balance increase right away, the auto-payment is still in place and is draining away my bank account every month. I feel that Synchrony set up the structure of the installment loan to not fully inform customers up front in order to profit as much as possible from consumers, which does n't feel right.