23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The collection to XXXX XXXX was added XXXX. Duplicated. {$720.00} was paid in 2014 and closed, but since there was a duplication of the same collection, it still shows I owe {$620.00}. How do I get the duplication removed. I have talked with the collection agency several times and I 'm told it will be removed. Please help as I do believe this is hurtng my credit rate. Thank you so very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report the inaccurate and inconsistent information that Experian and XXXX have reported on my account with the DEPARTMENT OF EDUCATION Acct # XXXX. Despite my multiple notices of disputes, they have failed to correct this information, which is in violation of the Fair Credit Reporting Act & 15 USC 1681i.

According to 15 USC 1681i Experian and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. They have failed to do so. 


I have noticed significant discrepancies in the information that they both have reported on this account. Specifically, they both have different open dates for the account, the original balance differs, payment history, and the term length for the account is inconsistent. Lastly after disputing theyre supposed to update the account asDisputed by consumer in which they did not. I am entitled up to {$1000.00} per violation per the FCRA. 

These inaccuracies have caused significant harm to my credit score and have made it difficult for me to obtain credit. Despite my multiple notices of disputes and requests for corrections, they have failed to update the information on my account. 
Therefore, I am requesting that you take immediate action to delete the account on my credit report with the DEPARTMENT OF EDUCATION for multiple violations. 

There failure to comply with this request will leave me no choice but to pursue legal action to protect my rights and seek compensation for any damages that I have suffered as a result of their violations and poor practices. 

Furthermore, I expect to receive written confirmation of any actions taken by both Experian and XXXX to correct this matter. I have also filed a complaint to the XXXX XXXX XXXX. 

Thank you for your prompt attention to this matter. Evidence provided below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been having fraudulent inquiries on my credit report, from XX/XX/XXXX to XX/XX/XXXX, about 90 hard inquiries are fraudulent from those two dates! I would need those removed!
Product: Debt collection

On XX/XX/2020 both XXXX XXXX and XXXX XXXX was paid off. I have repeatedly called and they keep promising to remove the debt. It is still on my report. I paid XXXX XXXX directly and XXXX XXXX through XXXX. Please help get these removed
Product: Credit reporting or other personal consumer reports

My records show I made two payments in XXXX and XXXX in XX/XX/2020. 
The creditor is reporting I was actually late.
Product: Debt collection

XXXX XXXX XXXX and XXXX XXXX XXXX need to be put out of business regarding bad debt issues they are a cancer to American consumers none of money involved was ever borrowed from them they add thirteen percent interest on their investment because they can I say break them fast their causing a very bad life for people in our country
Product: Credit reporting, credit repair services, or other personal consumer reports

Settled in full XXXX balance XXXX XXXX, XXXX is reporting I still owe a balance. 
Contacted XXXX Multiple times and stated they would not help me that I had to wait for them to report to the bureaus on XX/XX/XXXX. See documents supporting account paid in full and settled. 

Auto volunteer surrendered XXXX Pick up XXXX XXXX contacted me with a Def XX/XX/XXXX and agreed to accept XXXX. Paid auto debit on the XXXX. 
Account turned over to their collection agency XX/XX/XXXX changing the payment date on the XXXX. 

I contact XXXX in XX/XX/XXXX to dispute how they were reporting to the bureau as a charge off but not including Volunteer Surrender. They announce the account was transferred to NorthStar Locations Services LLC. I had no idea as they continued to accept my monthly installment {$100.00}. I agreed on a settlement in full XXXX balance with supporting documents. To my surprise my credit report is only showing charge off with a balance owing XXXX. Not stating Settled in full XXXX balance per the supporting documents. I asked XXXX to correct and they stated they will not until I paid the balance that was agreed I do not owe any longer a balance and they will not submit correction to with XXXX, XXXX XXXX and XXXX until XX/XX/XXXX. XX/XX/XXXX I contacted NorthStar to send me a updated letter clearance of funds from the credit card I paid them and they will not send me a updated letter until I give the credit card statement that will disclose cleared? NorthStar Location received agreed payment for {$2000.00} from a credit card. XXXX sent me a letter stating I am in the clear an NorthStar will not accept that letter who they represent for collections. Please see attachments on documented letters and credit. I still feel they have been reporting inaccurately to get me to pay them and when I paid them a agreed amount after paying them over XXXX, I feel they bait / switched me.
Product: Debt collection

This is a fraud claim was filed with XXXX back in 2011 ... .9 years ago! 
XXXX XXXX never reach out to me.Violating the Debt Act law. Plus its been 9 years.This is an violating of the Debt Collect Act.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I opened a dispute regarding accounts status that showing on my credit report. I submitted verification of payment to establish proof that account was paid in full to XXXX party collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of Ed/Navient has placed a unknown account on my Credit Report on XX/XX/2013 in the amount of XXXX I demand that the account be removed.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Debt collection

I trust this letter finds you well. I am writing to bring to your attention an issue I have identified on my credit report pertaining to the reporting of late payments. After a thorough review, it has become apparent that there are inaccuracies in the representation of my payment history.

I acknowledge that maintaining accurate and up-to-date credit information is crucial, and I am committed to ensuring the integrity of my credit history. However, I have identified instances of late payments on my credit report that I believe to be inaccurately reported.

I kindly request that your bureau conducts a thorough investigation into these inaccuracies and, if necessary, corrects or removes the reported late payments from my credit report. It is important to me that my credit report accurately reflects my financial responsibility and standing.

Enclosed with this letter, please find any supporting documentation or evidence that may assist you in your investigation. 

DOVENMUEHLE/XXXX XXXXXXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DOVENMUEHLE/XXXX XXXX XXXX customer service representative .

I understand that the resolution of such matters takes time, but I kindly request that you expedite the process and provide a written confirmation of the corrections or removal of late payments from my credit report within [ reasonable timeframe, e.g., 15 business days ] from the date of receipt of this letter.

I appreciate your prompt attention to this matter and trust that your organization will uphold the standards of accuracy and fairness in credit reporting.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report, I discovered some incorrect information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus are required to validate these accounts. It is not permissible to report unverified information without providing proof within the legally specified time frame. The following erroneous information on my credit report needs to be investigated and corrected : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$15000.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9900.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$580.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$6400.00}, XXXX XXXX Balance Owed : {$650.00}, XXXX XXXX Balance Owed : {$140.00}
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 proce 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 20 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$27000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I get my credit report every year. I was reviewing my alleged collection accounts on my Experian credit report from XX/XX/XXXX with my credit report from XX/XX/XXXX. The creditor XXXX was reporting the account as date open XXXX, Date of last activity XX/XX/XXXX. My credit report dated XX/XX/XXXX now reports open date XXXX and date of last activity XX/XX/XXXX. Re-aging of a alleged debt is illegal. Experian Credit Reporting Agency or XXXX XXXX XXXX has committed a Violation of the FDCA and the FRCA.
Product: Credit card

I have a credit card for Walmart through Synchrony Bank XXXX XXXX XXXX XXXX GA. XXXX. The credit limit is only XXXX and is at the limit because I lost my job XX/XX/2017 and am twice widowed, have no help and have not been able to find a job yet. I still have never been late on a payment until now! Pay due XX/XX/2017. They have been calling and emailing, which I want stopped is using all minutes on my prepaid phone I need for job search. I only want contact by mail. 
I talked to a rep today at XXXX ID XXXX I could not understand as from another country and asked if they would reverse just XXXX late fee so I could pay my payment out of my last unemployment check as my payment is normally XXXX but now XXXX, but he said I had to pay the full amount anyway which I can not do, have XXXX in bills coming in and u/e only XXXX wk and last check. I also let him know I have XXXX inter- views this week. I have sent out over XXXX resumes, all I can do!! I asked to talk to a manager, he put me on hold for several minutes and I had to hang up phone running out of minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have kindly informed Equifax and the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX that I have a {$2300.00} balance with XXXX XXXX  that has been illegally reporting late and past due payments to my credit reports and that it has seriously been affecting my ability to get funding, move in an apartment or purchase a home. They illegally reported transactions during the years XXXX, XXXX, and XXXX. 

I sent them a letter requesting on the date of XX/XX/XXXX of XXXX, that they cease all attempts to report late and past due payments to Equifax Consumer Report. I also fully interpreted the improper use of my credit report to each party in my official request. The late and past due payment XXXX XXXX  has been reporting is a violation of the rules of construction under Title 15 USC Section 1681a. and I fully interpreted the violation to them in the letter. Despite the clarity of the situation both parties ignored my request and did not remove the late and past due payments that were illegally being reported to my consumer report for the account. 

The primary purposes of this report are to have XXXX XXXX  and Equifax to cease all attempts to illegally report late or past due transactions or experiences to my personal consumer report in future, notify the perpetrators that they are in violation of Title 15 U.S. CODE 1681a, and to have all late or past due payments in violation of Title 15 U.S. CODE 1681a. on my credit/consumer report for the following account be immediately removed from my credit/consumer report. 

I will be attaching information about the account to this report as well as specifying the illegally reported transactions that are to be removed from my consumer report.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information. 

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act. 
Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$3500.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Debt collection

My insurance company XXXX XXXX did n't pay the full amount which was a mistake on their part so I was put in collections for remaining balance. Since then XXXX XXXX has paid the full/agreed amount and transunion has taken the collection off but XXXX has not taken collection off.
Product: Money transfer, virtual currency, or money service

I was trying to purchase a used juicer on offer up. The person selling the item asked to use XXXX so I sent the money that way only to learn later I had been scammed. The item was never sent to me and the person continues to operate this way on offer up even though I have sent multiple reports to offer up that this person is scamming folks. My bank ( XXXX XXXX said there was nothing they could do about it. So I was out {$310.00}!
Product: Checking or savings account

XXXX - wells fargo charged my account {$35.00} overdraft fee when my ending balance on XXXX {$450.00} XXXX - account charged me 3x {$35.00} = XXXX overdrafts when my ending balance on XXXX was XXXX.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

15 usc 1681i ( a ) ( 1 ) ( a ) ( 5 ) ( d ) ( 6 ) ( b ) ( iii ) ( 7 ) PLEASE NOTE This entire statue states and proves that the credit reporting agencies are not thoroughly investing the neglected and fraudulent accounts on my report. They are using automated systems to run my report and that is not effective enough when protecting my privacy. As the law states, I have the right to know how the credit reporting agencies are doing their due diligence and investigation on these damages. According to 15 US Code & 1681N ( b ), these damages need to be paid for up to {$1000.00}. I've paid many applications fees for mortgage just to find out that fraudulent accounts are being reported. I have wasted my time and money. I am demanding remedy per the Law.

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately with remedy. I have attached invoices for remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I moved out of my apartment which carried an outstanding balance of {$270.00} from XXXX XXXX, my electricity provider. I was not aware of this balance until XX/XX/XXXX. I paid in full on XX/XX/XXXX ( proof attached ). However, XXXX still sent my account into collections with Penn Credit Corp on XX/XX/XXXX several months after satisfying my debt. Penn Credit Corp reported my erroneous delinquency to all three credit bureaus which caused my credit score to drop 72 POINTS. I called Penn Credit Corp on XX/XX/XXXX to resolve the matter and a representative by the name of XXXX informed me that XXXX XXXX did not alert them that I had cleared my debt. I conferenced XXXX on a call with XXXX XXXX as proof and was told that there was nothing that could be done. XXXX XXXX is at fault. They sent me to collections after I paid my bill, they didn't alert Penn Credit that I was up to date and now my credit score has suffered tremendously and unfairly.