23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX ( XXXX XXXX Credit Card ), and TranUnion have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor and TranUnion re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account TransUnion XXXX ( XXXX Credit Card ) Item Status : Item latest removal was on XX/XX/XXXX. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration and with inaccurate information. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 
Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts directly with the credit bureaus but did not receive any response : 1. XXXX XXXX XXXX  - Account # XXXX 2. XXXX XXXX Account # XXXX Please investigate and delete asap.
Product: Student loan

It was my understanding that the only way that i could receive student loan forgiveness ( i am an XXXX ) was if i consolidated my student loans with XXXX XXXX. After 10 years of public service, 120 on time payments, I could request forgiveness. I was never advised as to what type of payment plan that I would need to be on, only that a qualifying payment would need to be made. I began making standard payments on XX/XX/2012. Believing that I was doing the right thing and on course for loan forgiveness, I submitted my employment certification form for PLSF last year, ( which is now missing from my file uploads in my online account ). After submitting my employment certification form I was notified that I would need to switch to a " qualifying '' payment plan. I researched through the website the qualifying payment plans and found them to be MUCH higher than my standard payment. So much higher that if I switched to the qualifying payment plan I would have my student loans paid off by the end of the 120 qualifying payments. Me paying off my student loans does not equal student loan forgiveness. I then called XXXX XXXX to see if what I was seeing was correct and the XXXX  phone representative said, yes i would in fact pay off all of my debt by switching to the qualifying payment plan and that does in fact happen for a lot of people that they are the ones that actually pay off the balance. THIS MAKES NO SENSE. I have been tricked into believing that I could be eligible for student loan forgiveness, consolidated my loans at a higher interest rate, was not explicitly given the choice of the correct payment plan for student loan forgiveness, then was informed that I would, in fact, still pay off my loans completely before i would meet all of the qualifications for student loan forgiveness. This company, who handles ALL of the federal student loan debt for people wishing to seek student loan forgiveness is not working to help people get rid of their debt. They are making money off of misinformation, incomplete information, or neglecting to provide consumers with the clear path to student loan forgiveness.
Product: Credit reporting

My mom 's name keeps getting attached to my credit report because it 's similar, need to remedy that
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquires from companies Ive never applied for nor even know of. I reached out the credit burea as well the grantor to investigate and they continue refusing to remove these inquires and even show proof of this.
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 inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THE BUREAU SEVERAL TIMES IN REGARDS TO THESE ACCOUNTS LISTED ON MY CREDIT PROFILE. IT IS IN DIRECT VIOLATION OF MY CONSUMER RIGHT ACCORDING TO 15 US CODE 1681 b THAT I DID NOT GIVE ANY AUTHORIZATION FOR THESE ITEMS TO BE LISTED ON MY CONSUMER REPORT. MY CHARACTER IS BEING DIMISED BY THIS MISBEHAVIOR FROM THE CREDIT REPORTING AGENCY!! PLEASE REMOVE NOW AS THIS IS MY 3RD REQUEST
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the charge-off listed on my credit report under the account number referenced above. Upon review of my financial records and my Wage & Income Transcripts from the IRS, I have discovered that Affirm filed a 1099-C form with the IRS for this account in the tax year 2023 indicating that the debt was forgiven and reported as income.

Given that the creditor has officially written off the debt, as evidenced by the 1099-C form filed with the IRS, it is my understanding that the continued reporting of this account as a charge-off is inaccurate and misleading. 
Please find attached a copy of my Wage & Income Transcript for the tax year [ 2023 ], which includes the 1099-C information reported by XXXX. I request that you immediately investigate this matter and remove the charge-off from my credit report to reflect the accurate status of this account. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to correct any information that is inaccurate, incomplete, or unverifiable. I kindly ask that you complete this investigation within the 30 days allowed by law and provide me with written confirmation once the charge-off has been removed. 
Thank you for your prompt attention to this matter. I look forward to your response
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I am looking at my credit file and I notice a few error on my file. I live ar XXXX XXXX XXXX XXXX OH XXXX. Please remove the following address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
The follow accounts are not mine XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter has been sent over 45 days ago and i still having received any results or updates regarding these accounts on my report please remove immediately as my rights is now being violated 1.The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 2.The status is incorrect for the following account XXXX XXXX Account Number:XXXX*** Please ensure that all information is accurate 3.The following account is not mine XXXX XXXX XXXX XXXX Account NumberXXXX Please remove it from my credit report. 

4.The folowing account is not mine XXXX Account NumberXXXX Please remove it from my credit report.
Product: Mortgage

I am applying for a mortgage refinance to a lower interest rate. I have been advised that my current mortgage company, CitiMortgage, has not updated XXXX on monthly reports on my account for over a year. I have not been required to pay mortgage insurance for over a year yet XXXX states that they have not received any report of this. The required report is a ( SURF ) Servicers Reconciliation Facility report which intern updates XXXX, XXXX ( LAR ) Loan Application Register report. Multiple contacts with my current mortgage company result with, they do not know what I am talking about, they need to research this, each time I call its a different contact person and I start all over again. They keep trying to send me a " letter of authorization request '' which is not required to update Fannie Mae. The California State Attorney Generals Office has also been advised so that possible legal action may be taken. This lack of action by my current mortgage Co. will result in the loss of the lock on my interest rate for current loan that I am applying for. Can you help resolve this?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Who m It May Concer n   XXXX   XXXX    XXXX   XXXX   XXXX , CA  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX .   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX    SOC #    XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Who m It May Conce rn : This letter is a formal request to correct inaccurate information contained in my C redit Reports. The item ( s ) listed   below are as follow : Have enclosed a  XXXX  bills ***PLEASE UPDATE MY C URENT ADRESS  ADDRESS :  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX  BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  THESE ADRESSES ARE MY OLD ADRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   FL    XXXX  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance w ith 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my   claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuan t to 15 U.S.C. 1681i ( b ), I   request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the  past six months.      Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item  ( s ) in qu estion, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as require d by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to compl y with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX   SOC #   XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Product: Checking or savings account

I opened up a current bank account XXXX XXXX  and I received my tax return of XXXX I pulled a few dollars off to spend current put my account under review and requested documents which consisted of selfie of me holding drivers license utility bill my tax return and the place my tax return came from I submitted with no problem and they close my account with my money in the account
Product: Debt collection

Received a notice from this Collections company and on the notice they stated, " The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency. '' However, this was false and they reported this debt to my credit report. I have attempted to verify this debt as I do not recognize it, however, they have been unresponsive and uncooperative and telling lies on their correspondences. 

Attached PDF may require password to access, it is : XXXX
Product: Vehicle loan or lease

I am disputing the inclusion of a repossession on my credit report under account number XXXX with XXXX  XXXX XXXX, as this entry violates my consumer rights under 15 U.S.C. 1681b ( a ) ( 2 ), 15 U.S.C. 1635, 15 U.S.C. 2693 ( g ), and the Uniform Commercial Code ( UCC ) 9-610. These laws require that creditors provide a Notice of Sale before selling a repossessed vehicle and a Deficiency Notice after the sale, both of which were not sent in my case. Due to these violations, I am requesting that the account be removed immediately from my credit report. 

Under 15 U.S.C. 1681b ( a ) ( 2 ), creditors are prohibited from reporting inaccurate or incomplete information to credit bureaus. Additionally, 15 U.S.C. 1681i mandates that creditors report accurate and complete information. Because I did not receive the required notices, including the Notice of Sale and Deficiency Notice, this repossession is inaccurately reported and should be removed. 

I respectfully request that the CFPB assist in ensuring this inaccurate entry is corrected by having the account removed immediately from my credit report in accordance with the relevant laws and protections outlined above.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for their ongoing failure to maintain accurate and complete information on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to dispute and correct erroneous information, Experian has persistently reported false, inaccurate, and misleading information on my credit file. 

I have provided Experian with the correct and accurate information that should be reflected on my credit report, including my name, date of birth, Social Security number, address, and phone number. Additionally, I have disputed specific accounts that are inaccurately reported on my credit report, yet Experian has failed to correct these errors or conduct a proper investigation as required by law.
Product: Credit reporting or other personal consumer reports

This is the filling of my complaint to EXPERIAN. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$730.00} ; XXXX XXXXXXXX Balance Owed : {$660.00}.
Product: Debt collection

I sent a letter requesting the following information XXXX. Original account number XXXX. Original name of creditor XXXX. Date account was opened XXXX. Date of last payment XXXX. Amount of the original debt XXXX. Itemized statement showing full history of account XXXX. Proof of chain of title that you own the debt XXXX. Copy of contract with my signature guaranteeing I will pay this creditor I got no response from collection agency.
Product: Checking or savings account

I can not get in touch with Chime XXXX Bank in order to activate my Chime card. The only phone number provided XXXX requires the card to already be activated. I can not download the Chime app, XXXXXXXX XXXX keeps telling me there is a problem on their end to try again later. I have tried several times already. I have {$50.00} in the Chime checking account that I want to remove, but I can't because the card is not activated and I can't get it activated. I also can not get in touch with Chime customer service. No phone number is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$7000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX ( Original Creditor : XXXX XXXXXX/XX/XXXX ) XXXX Balance : {$1100.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$7000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit report Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer Dash 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 ( and 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 : XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XX/XX/XXXX. 
XXXX. XXXX XXXX XX/XX/XXXX Please remove incorrect addresses Addresses : XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. 
XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX, XXXX michigan, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX MI XXXX Please remove incorrect phone numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Please remove incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove incorrect date of birth : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, 2024, I discovered that I was the victim of identity theft and that a person or persons with access to my social security number tried to obtain credit from many credit providers. It appears that of all of the applications for credit, 5 were granted by XXXX XXXX. I filed a report of this identity theft with the Federal Trade Commission ( Report no. : XXXX ) as well as my local law enforcement office, the XXXX XXXX XXXX ( XXXX XXXX. : XXXX ). I also contacted XXXXXXXX XXXX Experian, XXXX and XXXX by Certified letter. 

XXXX readily acknowledged that 4 of the 5 fraudulent accounts were not my responsibility and removed them, but initially resisted removing one of the accounts, a XXXX XXXX XXXX XXXX XXXX with an account ending in XXXX. As of today, XXXX has agreed on the phone and in writing that the XXXX XXXX XXXX  account is not my responsibility and said it would be removed but this has not occurred. 

I have been speaking with Experian since it seems to be the only credit reporting company with this inaccurate entry. Experian refuses to reopen my dispute even though I have a letter from XXXX acknowledging the error and directs me to XXXX. XXXX says that I am not responsible for the fraud that occurred and advises that all 3 credit reporting agencies have been so advised.

While I have frozen my credit at all 3 reporting companies so that this problem does not grow, I want to repair the credit score that I have spent my adult life building. I would appreciate an help you can provide to these indifferent companies.
Product: Payday loan, title loan, personal loan, or advance loan

Took out a loan for {$650.00}. Ive already paid them {$970.00}. They are requesting another XXXX in interest.