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

Upon reviewing my reports, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified inquiry without providing any proof required by law. TransUnion has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiry is inaccurate & I never authorized for my credit to be accessed. TransUnion has failed to provide me with the written authorization or remove this inquiry from my credit file. 
XXXX XXXXXX/XX/2021
Product: Debt collection

Invitation homes sent us an email with charges after we moved out and I responded and called immediately, unfortunately no one responded and our leasing managers email suddenly was inactive. 
We were disputing 4 charges and they are charging us around {$2000.00} and including wear and tear items they shouldn't be.

Including is paint which I emailed we have photos of when we moved in that look exactly as the move out photos. 
They charged us monthly for air filters and when we moved we had previously changed the filter and they hadn't sent any new filters but charged us for filters. We cleaned the house throughly and they charged for us for dirty grout when we moved there was already grout in the tile. 
Instead of directly dealing with us they turned over our bill to a third party debt collector less than a week after I emailed them trying to resolve the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016, I agreed to a Pay-For-Delete to pay off my credit card. I was told that once I paid it off, I can request for it to be removed my credit report. I have tried several times to have this deleted and they refuse. They just keep updating my credit report with the same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account 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 account : XXXX Acct # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian has corrected my address and they are failing to process a credit score becuase they are trying to push false, incorrect and identiy theft information into my credit report.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, Transunioun and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 

XXXX XXXX Account number # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) The inaccurate reporting of both my account status and payment status by XXXX XXXX Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Closed Acct # XXXX Theres inaccuracies on my credit report Last Active Date Reported Date opened Theyre breaking federal laws Ive asked them to correct this matter and they havent According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 agencyshall ( 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. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Delete this Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Regarding Incorrect Negative Account on My Credit Report Due to Identity Theft Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an erroneous account appearing on my credit report, which I believe to be a result of identity theft. I am requesting the immediate deletion of this account from my consumer reports. 

Details of the Incorrect Account : Credit Acceptance Date Reported : Assuming the date on my credit report is correct date open shows XXXX of 2018. 

Upon thorough examination of my credit report, I discovered an account that I neither recognize nor have any association with. This account is being reported as a negative item, significantly impacting my credit score and financial standing. Subsequent investigation and communication with the creditor have confirmed that this account is the result of identity theft. 

Despite taking immediate action to dispute the fraudulent account and providing evidence of the identity theft, it remains on my credit report, posing a severe threat to my financial reputation and well-being. 

The inclusion of this fraudulent account on my credit report is not only unjust but also violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). I am entitled to accurate and up-to-date information on my credit report, and the presence of this fraudulent account undermines this fundamental right. 

Request for Action : I respectfully request the Consumer Financial Protection Bureau to intervene in this matter and facilitate the expeditious removal of the fraudulent account from my consumer reports. The continued presence of this erroneous account not only damages my financial credibility but also exposes me to potential financial liabilities that I am not responsible for. 

Enclosed with this letter are copies of relevant documentation, including the police report, correspondence with the creditor, and my credit report highlighting the erroneous account, for your review and investigation. 

I urge the CFPB to take prompt and decisive action to rectify this situation and restore the accuracy and integrity of my credit report. I kindly request that you keep me informed of any actions taken to address this matter. 

Thank you for your attention to this urgent issue. I appreciate your assistance in resolving this matter swiftly and effectively.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you!
Product: Credit card or prepaid card

Hello, I reported fraud on my Avant credit card in XXXX. I havent received a credit card in XXXX years from that company. The charges were made in XXXX/2022- XXXX/2022. A representative said in XXXX the charges will be drop. Avant informed me, I will be held accountable. I did nothing wrong, I informed Avant, I was a victim of identity theft last year, and this happened on XXXX other credit cards. Please help me get this resolved. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding a paid repossession that is still being reported on my credit report. 

XXXX XXXX XXXX ACCT # XXXX ACCT # XXXX Under 15 U.S.C.

1681c ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), negative information, including repossessions, must not be reported after seven years from the date of first delinquency. 
I have already paid the balance in full, and I believe this account should no longer be reported, or at the very least, it is being reported inaccurately. The continued presence of this account is unfairly harming my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed debt from a bank account. I didn't use my bank card nor did I have my card. When a finally received my bank statement, due to me moving I didn't receive it for awhile, I noticed I was in the hole {$2000.00} I believe. At that time I went to my wallet only to find that my card was gone. I contacted my bank but because it had been a certain amount of days I could no longer get dispute it. I do not believe it's right to be on my credit report due to the fact that I did not authorize withdrawals from my account I know owe {$2600.00} to knight adjustment bureau and they refused my dispute. I'm very unhappy with this decision because I don't think it's fair for me to pay back something I didn't spend. It's been sense XX/XX/XXXX that this has been on my report and it happened back In XX/XX/XXXXor XX/XX/XXXX I believe when my account was actually closed at the bank and XX/XX/XXXX I believe when I contacted my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me | have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 168 lilal? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts 1.Account Name : XXXX XXXX Account Number : XXXX XXXX Name : XXXX XXXX Account Number : XXXX 3.Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my report. 

I also read where I can get the updated report after you investigate this from the free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as we the investigation outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter.
Product: Debt collection

Financial Asset Management Systems Inc. representative contacted me to collect a debt. However, the representative refused to give me any information on the debt unless I provided my full social security number. I told representative that I will not provide my social security number ; that I will only provide my name and address. The representative insisted that I provide my social security number otherwise she will not provide any information about the debt. I told her that I will not jeopardize giving you my social security number for her and the company she is representing to use in any type of security breach that can devastate my identity. She insisted that I give my social security number or else I do not receive the information about a debt collection and threatened to take legal action against me for not providing my social security number to her. 

I find this very troubling as this company has attempted to extort my social security number and attempting to collect a debt and are unable to provide any information about this debt and then use threatening tactics. 

Unacceptable!!!!
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 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 unprotected and valuable. Furthermore, their dispute process resolution was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds transfer act ( EFTA ) and regulation E. These issues 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

In XX/XX/2017 I lost my wallet which contents were my credit cards, drivers license, social security card. I cancelled all of my credit and debit cards, got a new license and social security card. After reviewing my credit report here recently, it looks like someone has been applying for credit using my information. Sometimes from the same company multiple times. Luckily, there has only been 1 account open that the bank immediately closed and all three reporting agencies removed. However, there are several fraudulent inquiries still remaining on my credit file. I have taken the necessary steps ( filing a police report for investigation, disputing the items and writing the companies ).
Product: Checking or savings account

USAA. No matter what I report to my own bank they laugh at me over charges fraudulent charges I have to fight for them to file with the FTC. I found over {$210.00} in overage charges from XXXX the teller last night actually told me I dont know what youre talking about Im sure XXXX did this I had to fight her and say no its all over the news they been hacked. And late XXXX of this year my husband actually took off for two days we were very worried I was on the phone with XXXX and USAA pointing out that there was a with drawl straight out of our savings the lady told me that it went somewhere in Texas he had left not 24 hours before without a car. They sat there and laughed at me while I reported my husband missing something weird is going on with this bank they treat me like XXXX and they take my money and laugh at me
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have attempted to obtain a credit card. I am a XXXX year old, educated, responsible adult with a work history since I was 15 y/o. I have been paying a car loan, on time for the last few years and have been working full-time for 3 years as an XXXX. The only thing I don't have is a credit card. The only derogatory marks on my credit report are the 4 banks that have attempted and declined my application for a credit card. The most recent being, last night, XX/XX/XXXX. 

My attempts to resolve this issue have been exhaustive and to no avail including phone calls, written communications and prior inquiries through CFPB. 

To summarize : Each time I apply for a credit card, my application is declined. Based on the information available to me, the reason is " inability to verify my identity with the credit reporting bureaus ( it seems with Equifax and XXXX ). In f/u with the credit reporting bureaus they assure me my file has been corrected and send me a complementary credit report that doesn't address the issue/my questions. Since I have no information, I then apply for a credit card and get declined. With this, another hard inquiry is added to my credit file and the process starts over. It is repetitive, frustrating and time consuming. 

On XX/XX/XXXX, after receiving a mail offer and based on XXXX XXXX site recommendations, I applied for credit with XXXX XXXX. I then contacted Equifax ( Spoke with XXXX and the Manager, XXXX ). They were not able to verify my identity, therefore, were unable to provide me any information. They instructed me to once again, start the robotic dispute process. 

How do you correct something, when you have no information? Clearly there is a disconnect, and something is not adding up. That said, it is my problem, and my problem to correct, but I can't get any information because my identity can not be verified. My requests/efforts, to speak or work with a single, knowledgeable and enpowered company representative who can actually work to resolve my concerns have unsuccessful. 

At this time, I am frustrated that this process can even be legal. I have worked hard to establish good credit and can not allow this to wrongly impact my credit. 

At this time, I am requesting : 1. A member of management contact me who I can work with from beginning to end to resolve this issue.

2. Access to and specific information regarding why my identity can't be verified. What is it, that leads to that message? What ever that information is, I want specifics and I want to see it. 
3. I want all hard inquiries removed from my file - since the hard inquiries are related to not being able to verify my identity ( the credit card company says the credit bureau has to remove and the credit bureau says the credit card company has to remove. Here I am put in the middle of this no win situation. Again, a situation which I have no information about and can't correct ). 

Thank you.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$80.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00}
Product: Debt collection

I found out that this was a collection debt for XXXX XXXX which is an animal hospital. I do not have nor have I ever had a pet and I notified the collections agency. I reported that this was a result of identity theft and they are still saying it belongs to me without any proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$4700.00} XXXX XXXX {$11000.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DPT EDXXXX XXXX {$6000.00}
Product: Credit card

I file a dispute with American Express. On XXXX XXXX, 2015, I purchased though the internet from XXXX. I received the product and was is satisfied with quantity and size. I requested a refund from XXXX. I returned their product to them on XXXX XXXX, 2015. Received an email from " XXXX '' on XXXX XXXX, 2015 acknowledging receipt of the product. The only options for a refund is exchange or purchase another XXXX XXXX XXXX and call in a give them the order number and they will refund the XXXX order. I disputed this with my Credit Card company American Express. On XXXX XXXX, 2015 I received an email stating they have completed their investigation and they found that " the merchant has provided support and an explanation for charge in question. " I have requested to see the documents that merchant has provided. I called and though email. No response from American Express. I have called XXXX times to have my case reopen and I am put on hold for XXXX min. at a time and sometimes longer. Only for American Express Serve to tell me that they will send and email to the dispute department. In the meantime, I have no product or my money. American Express Serve customer services are rude and unhelpful. I never said that I did not authorize the charge. I sent their product back to them and I would like a refund. They are refusing a refund until I make another purchase. I am never making a purchase from this company. I am closing my account with American Express Serve and I do n't recommend this product. I feel that American Express Serve customer service are lying about my depute and about reopening my case.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. I want to emphasize that this account is entirely fraudulent. Despite my previous attempts to have it removed, including providing all the necessary documentation and information, the account remains on my report. Please remove this fraudulent account from my credit report, it is hurting my ability to obtain credit. Thank you for your prompt attention to this issue. I look forward to receiving confirmation that the account has been removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I sent {$500.00} through PayPal for a friend for a down payment on a car that was listed on XXXX. Upon much to do we figured out that it was a scam. Someone had hacked the persons XXXX account and I sent money to the wrong person because it was a scam. I reached out to XXXX to stop the payment. I got a case number of XXXX XXXX XXXXXXXX. PayPal found that. The transaction is consistent with your PayPal history. I appeal to XXXX telling them that I had been scammed and would like my money back. They told me to contact the person that I sent it to. I tried they didnt respond. I didnt expect them to because its a scam, Can you please help me get my money back?
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that I had a repossession years ago that still remained on my credit. According to law the maximum amount of time this account can remain on my credit report is seven years. So I sent a dispute on Experians website requesting a removal. Upon reviewing results I was XXXX off because I noticed that experian said the account will still remain. They never looked into my concern Im requesting help.