23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Debt collection

Sent debt validation letter out on XX/XX/2018 there was no response that was addressed to me sent to my home. I have called and each representative hangs up the phone in my face. I was told that they sent a response to my debt validation to someone else that could have showed me their mail. They had over 30 days to respond to me in which they did not. They added this account to my credit files once I tried to validate this debt.
Product: Debt collection

About XXXX or XXXX months ago I hired XXXX XXXX XXXX to help me with my credit and they made it worse I pay them a XXXX dollars for 5 months and they made my credit lower I believe it is at XXXX oh have about XXXX to XXXX dollars in credit card debt
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Regarding XXXX XXXX Mishandling of Account ( XXXX XXXX XXXXXXXX ) Dear XXXX, I am writing to file a formal complaint against XXXX XXXX for mishandling my XXXX loan account ( Account XXXX. XXXX ) and for potential violations of the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
Nature of the Complaint : XXXX. Delayed and Inconsistent Payment Extension Offerings : In XX/XX/year>, I was informed by a XXXX XXXX representative that I had to pay my XX/XX/year> obligation to receive an extension for XXXX and XXXX. I called back later that same day and was initially denied the extension by a XXXX representative. However, when I called again and spoke with a XXXX woman representative, she approved the extension. This inconsistency raises serious concerns about potential XXXX discrimination in how my account was handled, which may constitute a violation of 15 U.S.C. 1691e under the XXXX. 
XXXX. Confusion Regarding Extension Terms : I verbally agreed that the extension would cover XXXX and XX/XX/year>, but the letter I received later stated that the extension applied to XXXX and XXXX. On XX/XX/year>, my XXXX payment was officially XXXX days past due ; however, that was also the same day I fulfilled my XXXX obligation, meaning I was current at that time. I could have been offered an extension on that day to avoid any further late marks on my consumer report. Instead, I was not given full transparency regarding my options and was threatened with repossession unless my payment allocated for XXXX was made that day. This misleading information not only affected my understanding of my options but also caused unnecessary damage to my credit, as my XXXX and XXXX payments were ultimately reported as late. The lack of clarity in this process is concerning and may violate 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits false or misleading representations in the collection of debts. 
XXXX. Inconsistent and Misapplied Payments : Additionally, my XX/XX/year> payment has not been properly reflected in my account, with " no data available '' showing for that month. XXXX XXXX has not clarified whether the payment was applied to XXXX, XXXX, or XXXX, leading to further confusion about my accounts status. If XXXX XXXX failed to accurately report my payment history or mishandled my account information, this could be a violation of 15 U.S.C. 1681o, which addresses civil liability for negligent noncompliance with the FCRA. 
Requested Action : I request that the CFPB investigate XXXXXXXX XXXX mishandling of my payment extensions, the misallocation of payments, and the potential XXXX discrimination I experienced. I would like XXXX XXXX to correct any inaccurate reporting to the credit bureaus and ensure that no further late payments are reported due to the delayed extension offer. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate information reported on my credit report related to my TARGET/TD account number XXXX XX/XX/year> XXXX XXXX, late payments were reported for XX/XX/year> and XX/XX/year>, which I believe to be inaccurate due to the legal protections in place during the COVID-19 pandemic.

The following federal laws protect my consumer rights and have been violated in this case : 1. CFRA ( Fair Credit Reporting Act ) This law requires that any negative information on credit reports must be accurate and verifiable. In this case, the reported late payments do not reflect my financial situation during the protected period under COVID-19 regulations.

2. CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) Under this law, if a financial assistance or deferment agreement was in place due to hardships caused by the pandemic, payments should be reported according to the terms of that agreement. During the period in question, I was under a COVID-19-related assistance plan, so the late pay
ment information is inaccurate.

3. TILA ( Truth in Lending Act ) This law requires creditors to provide clear and accurate information to consumers. The account statements for the months in question do not reflect the COVID-19 assistance terms, violating this requirement.

I have attempted to resolve this issue directly with the credit bureaus and the creditor, but I have not received an appropriate resolution. Therefore, I am requesting the CFPBs intervention to investigate this matter and ensure that my credit report is corrected in accordance with the legal protections provided during the COVID-19 pandemic.

Attached is a copy of my credit report highlighting the inaccurate late payments, as well as supporting documentation showing that I was enrolled in a COVID-19 assistance plan. 

Thank you for your attention to this matter. I look forward to a favorable resolution that ensures the accuracy of my credit report.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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

i am being charged XXXX on my mortgage. my loan to value is better than 80 %. i will make my payment less the XXXX please have someone call me to reconcile this issue. i called and talked to a rep and they forwarded me to another department who was supposed to call me back and never did.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX was not approved and they are taking money out of my account amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried countless times to fix this issue with Equifax. Ive requested that you VERIFY if these payments in 2015 were indeed late as your the ONLY BUREAU reporting this erroneous data. 

The outcome of the dispute is that the account has been transferred/sold. That is not my fault you CANT VERIFY this payments are in fact late. With that being said being that you cant verify this you should remove these said late payments or update to NR ( no reported ). 

Not only that there are blatant inaccuracies with the payment history. As you can see from the supporting document it goes 30 days to 30 days to 60 days to 120 days to 120 days. Inconsistent inaccuracies thats grounds from deletion to stay within compliance of the FCRA guidelines which Equifax is failing to do. 

XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT LETTERS TO XXXX, EQUIFAX, AND XXXX ON XX/XX/2020 DISPUTING INACCURATE AND INCOMPLETE INFORMATION THAT THEY ARE REPORTING ON MY CREDIT REPORT.I AM ASKING ASKING FOR THE VALIDITY OF EACH NEGATIVE ACCOUNT REPORTING AND I HAVE ATTACHED COPIES BELOW.
Product: Credit reporting, credit repair services, 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 has violated my rights. 
Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX  XXXX XXXX  # XXXX has violated my rights Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX has violated my rights Account name : XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX  # XXXX has violated my rights Account name : XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This account was closed after a payment was returned ( I explained that another bill overdrafted my account therefore bouncing back my payment ). Account access was removed right away, and I to date have not made any payments toward the balance. The problem is that capital one has been reporting on time payments until XXXX of XXXX, with the last payment made XXXX of XXXX. The last payment I made-verified through my bank statements-was in late XXXX. I have asked both capital one and the credit bureaus to correct this information, multiple times, and they have concluded their investigations with nothing changed, updated or removed. I feel this has harmed my credit worthiness showing such a recent late payment, and the capital one statements the way they were billed make me feel like some fraud may have been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a folowing situation - I just XXXX XXXX to XXXX and I don't have any credit history, good or bad. 

I went to Bank of America in XXXX with intention to apply for my first credit card. 
I didn't receive my credit card or answer so I went back to another office of Bank of America in XXXX, to find out what happened. Teller told me that I wasnt approved for credit card, but I kind of preapproved for prepaid credit card. So I agreed on trying to open that type of card. 

Right now I first time registered on XXXX XXXX and I start to learn how credit history work. 

I notice that I have 5 hard inquiry from Bank of America ... But I requested only 1 credit card and I got 5 hard inquiry. 

Is there a way to fix that mistake? I think it is not fair to begin build a credit history with 5 hard inquiry when I just asked for 1 credit card to start building my history.

I actually don't know what was 5 hard inquiry about if I haven't any history of credit in a past. 
But still they gave me a card. Why it wasn't possible from 1 inquiry to know that I don't have any credit history, why there was 5 request to approve me for 1 card anyways?!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the federal credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.. 15 USC 1681 section 604A section 2 also says a consumer reporting agency can not furnish an account without my written instructions there 15 USC 1666 section b a creditor may not treat a payment on a credit card account under an open and consumer as late for any purpose.
Product: Credit reporting or other personal consumer reports

Additionally, upon your having corrected my credit report, please provide a copy of the same to all creditors who have received my report within the last six months. Please also provide the corrected report to all requestors who received my report for employment purposes within the past 2 years as required by Section 1681i ( d ), which requires you to, " furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. ''
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXXt [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Office of the ATTY GEN # XXXX lates XXXX XXXX # XXXX {$16000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Business Cred
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because there are three accounts on my credit report that are not mine ; The only reason I was made aware of these accounts is because I got my credit ran at XXXX XXXX XXXX XXXX since I'm trying to get a loan. The account names are XXXX XXXX  for {$34000.00}, XXXX XXXX XXXX for {$12000.00} & XXXX XXXX XXXX for {$30000.00}. None of those accounts belong to me nor do I have any written or verbal contract with these companies and I never gave them permission to run or access my credit/personal information. I don't know who opened these accounts in my name without my permission but I already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I take part in any purchases or payments made towards these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account number # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent XXXX to XXXX. No change they stated valid. Sent Navy Federal Credit Union debt validation letter XXXX XXXX 2020, they replied with email last night that its valid with no proof of signature that the debt belongs to me nor any contract that its my debt. Navy Federal sent a generic letter, no account number nor any personal information in regards to me owing this debt. They validated the information without proof that its my debt. As you will read from the email from NFCU they stated to talk to the credit reporting agency, which I already have. Its seems they are going me the run around like go ask your dad or go ask your mom, childish games. Im trying to finish this last bit of disputes to continue on with my life and live the American dream.
Product: Credit card

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : CITICARDS CBNA XXXX and CITICARDS CBNA XXXX
Product: Credit reporting or other personal consumer reports

XXXX disputing information on my credit report. Pursuant to FCRA XXXX XXXX including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. XXXX complying with the letter of the law & what youre required to have to honor my 605B request. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. This amount ( s ) owed are no longer outstanding for the following items : Party Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I am disputing this claim because I have NO knowledge of this account. It is FRAUDULENT and I am requesting that it be removed IMMEDIATELY! This is my official request to have the aforementioned item to be deleted off my credit report.
Product: Mortgage

This home was purchased in XX/XX/XXXX. The mortgage company paid the tax authority taxes dated XX/XX/XXXX-XX/XX/XXXXin the period where I did not own the property. 
When the property was purchased the closing company cleared all taxes and verified that this property did not owe any taxes. Furthermore, I never received notice about these bad taxes from XX/XX/XXXX-XX/XX/XXXX. 
The mortgage company paid these taxes without letting me know and know they have included almost 14000 worth of taxes into the escrow account and they are making me pay for taxes that are not even form the time I have owned the property. 
I have contacted them since XX/XX/XXXX over five times about this issue but they have not provided any information about the payments made nor they have reached out to the tax authority to fix their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts that are reporting on my credit report are false and inaccurate accounts that are reporting. These accounts have been opened without my knowledge or consent. I have already tried to complain about these reports i was told an investigation would take place and i still havent seen any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Unsubscribe Sat, XX/XX/2020, XXXX XXXXXXXX XXXX XXXX  notified me of a change in my credit report. I called the phone number several times no answer did leave a message and followed up with a letter in response to the company not notifying me directly before putting this on my credit report. A copy of the letter is attached and it was removed from my credit report for them to now put back on the XXXX and XXXX credit reporting. 

I am disputing this collection because you posted this on my credit report on XXXX XXXX which means it was posted then you started the process way before without contacting me directly. There would be no reason you could have not reached me directly. 

My address and numbers are listed, and I would think the company gave you, my information. Which has not changed in 3.5 years. You need to remove this notice from my credit report and address that first. I have already filed a complaint with TransUnion and XXXX. 

After this covid, it and they now went ahead and put it back on the reports again. without contacting me. So again debt was addressed and removed and then put back on again with again a later date.
Product: Debt collection

This company, McCarthy , Burgess & Wolff, XXXX OH has attempted to collect on a debt that we do not owe ( see attached letter ). I have confirmed with the company ( that they appear to represent, XXXX XXXX XXXX ) that we do not owe this debt. 

McCarthy, Burgess & Wolff is using XXXX XXXX ' name to collect money we do not owe. This company is not operating in good faith and when contacting them to let them know I was reporting them and that I had confirmed with XXXX  that we do not owe them money, the gentleman ( XXXX XXXX ) proceeded to tell me " I talked with the wrong people. '' McCarthy, Burgess & Wolff has a legitimate looking website and seems to be a legitimate business by all appearances ; however, this debt is not legitimate.