23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I made a purchase in 2016 and obtained an account at checkout. No plastic card arrived in mail after 3 months. I called and a new acct was established ( now merged with this acct ) and a plastic card for the account with allegedly {$500.00} credits in exchange for my Authorized Signature was supposed to be provided. 
2 Consumer Purchases were made over a period of 4 months, with 2 Recinded ( RETURNED Products ) during the payment periods.Due to the Accounting JCP used, the Truth in Lending was violated and FCRA was violated causing DAMAGES to the 3rd Party " reporting/redisclosure/hearsay '' that XXXXXXXX/XXXX Published causing Defamation, Slander, and LOSS of CREDITS and LOSS of Assigned Benefits to this Beneficiary to Purchase New Consumer Products. JCP is now reporting " {$0.00} '' in CREDIT after CONFIRMED TRANSACTIONS OF transmission of {$1300.00} in exchange for {$180.00} in consumer product Purchase transactions. This is FRAUD. JCP Offered {$500.00}, Received {$1300.00}, and has DELIVERED only {$180.00}. JCP is operating its Consumer Accounts in violation of FDCPA, FCRA, and TIL causing me TORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. INQUIRIES : 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

Account Inquiries : XXXXXXXX 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 XXXXXX/XX/XXXX ) In accordance with the FAIR CREDIT REPORTING ACT ( FCRA ), the list of accounts below/attached has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602 A-States I have the right to privacy. 15 U.S.C. 1681 a. section 604 A- States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 168c. ( a ) ( 5 ) 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: Mortgage

Bank of America says that they paid my property taxes on XX/XX/XXXX because, they claim, I didn't pay the taxes. In fact, I paid the property taxes on XX/XX/XXXX. I have a bank statement from Bank of America showing that I paid XXXX  XXXX, which is the XXXX XXXX Tax Assessor on XX/XX/XXXX. Bank of America is making a mistake of putting the " Recoverable Corporate Advance '' of {$710000.00} on my account. It is not accurate. Maybe they paid someone else 's property taxes, but, they did not pay mine. This is urgent because Bank of America is selling this loan as of XX/XX/XXXX. This extra money that I do not owe is also erroneously reported on my credit reports.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against cash app due to inadequate customer services and unfair practices. Cash app failed to take messures to prevent fraud on there platform leaving my account vunerable and unprotected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is in direct violation of several consumer protection laws including the DODD FRANK ACT, TRUTH IN LENDING ACT PURSUANT TO 15 USC ...
Product: Money transfer, virtual currency, or money service

Some one stole my phone an wallet took my card cashed two checks on it an got the XXXX off top an they both bounced it was out my control a.nd they won't fix my account an won't let me back in my account
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, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, 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.

15 U.S.C. 1681s-2 604 ( A ) ( 2 ) states a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting

Equifax removed several fraudulent accounts from my credit report on XXXX XXXX and then they put all of the accounts back on my credit file XXXX XXXX. I have called corporate several times and the FCRA requires that the credit bureau send me notice of any account that is going back on my credit file within XXXX days and I never received anything warning me of them putting that information back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, Ive recently closed on a home loan and a lender needs to pull my score ; however, no one can get access to it. Im unable to successfully reach Equifax and the other bureaus to have them update this. Im truly hoping that you can help as I just signed the last document regarding closing on the home. Ive never ordered or requested a freeze or hold of any kind. All recent pulls as of the past week only show a 6-month history.
Product: Credit reporting or other personal consumer reports

I reached out to the credit bureaus to notify them that I am a victim of identity theft. I have provided all documentation and yet nothing has been done to correct the errors on my credit report
Product: Credit reporting

There is an collection that is reporting on my credit file that does not belong to me. Please assist me in getting this item removed from my credit file. The account number to this collection is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent Experian a method of verification letter for explanation on accounts that were supposedly verified. However, they did not respond to my request.
Product: Prepaid card

I WAS GIVING A VISA DEBIT CARD WITH XXXX $ THE CARD DID NOT WORK I CALLED CUSTOMER SERVICE SHE Said TO READ THE XXXX DIGITS IN THE FRONT I TOLD HER THAT IM MISSING XXXX NUMBERS THEN SHE ASKED FOR THE NUMBER ON THE BACK GAVE IT TO HER SHE SAID YOU HAVE XXXX $ GO AHEAD AND USE IT THE CARD STILL DID NOT WORK I CALLED BACK THEY TOLD ME TO FAX A COPY OF THE FRONT AND BACK OF THE CARD I DID ONLY FOR THEM TO CALL ME AND TELL ME THE CARD HAS BEEN USED ALREADY NO EXPLANATION NOTHING
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXXXXXX XXXX XXXX  | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my account in full with Midland 18 days ago and have yet to receive any updates, final payment letters, dismissal of my suit, and my credit reporting has not changed from delinquent status. When I call for updates, I am given the run around and sent from one " department '' to the next where each pretends to not have knowledge of the other 's status or activity on my account. Today I called to check on a full payment letter that was promised to me 8 days ago. Representative " XXXX XXXX '' ( an alias ) took a very unprofessional tone with me in response to my frustration with being lied to about the progress of my account closure. When told that the mail can take up to 30 days to arrive, I asked why it would take so long. He told me " if you want to work here, you can apply since you know how things work around here. '' I do not appreciate the way my account is being handled, considering I have paid in full as agreed upon 18 days ago. I should be done with Midland but they refuse to do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

two issues that i have reached out to experian for and they have ignored and not resolved in over 6 months 1 ) they are reporting a negative account with XXXX XXXX credit card as closed with an outstanding balance. this account does not belong to me and was opened and used fraudulently, experian had removed this account as i have disputed it and had proper documentation and police reports and then i just checked my credit report an they have added this negative account back to my credit file. 

2 ) experian is reporting a best buy credit card i have as closed and the account is opened and has been opened. i have notified experian of this for over a year an sent documentation as well as had best buy call them to correctly update my account and they refuse to do so. this account is open and they are reporting is as closed and will not correct it.
Product: Debt collection

I have reached out to your company asking for proof that we have a contract together. I asked for hard evidence, but your company has yet to provide any proof that such occurred. Are you even licensed in the state of XXXX  to collect debt? Legally, I never made a binding contract with your company using my wet signature. If I did, please provide proof. I in fact know that I did not, thats why proof has yet to be provided. Please delete this account from all three of my credit reports immediately as you are a collection agency, and it is against the law to be on my credit report without my consent.
Product: Vehicle loan or lease

On XX/XX/year>, I submitted an online payment for my car loan to Truist Bank in the amount of {$640.00} ( XX/XX/year> payment ). I took a screenshot of the confirmation of payment as soon as it was submitted. On XX/XX/year>, I received notification from my bank that Truist charged me {$1200.00}. I contacted Truist, explained the situation and the representative told me that I made a payment for XXXX and XXXX and since I caused the error, they couldnt reverse the payment. I advised the representative that I did not make a double payment because at the time only the XXXX payment was due and my confirmation shows that only {$640.00} was paid. She said it was nothing they could do. I told her that fraudulent activity occurred because this is not a payment amount that I authorized and taking that amount of money from my account has caused a strain because I have other bills. I advised her that I was disappointed in the situation and the lack of concern for an error made by their staff/system. She told me that I would accrue a fee if the payment was returned by my bank even though I was charged more than what I authorized. She did say that she could see my payment of {$640.00} on XX/XX/year>, but continued to blame me for the additional {$640.00}. However, she couldnt tell me when the additional payment was applied or from what source. She said she didnt know how to access it in the system.
Product: Mortgage

Recently came across a Satisfaction of Mortgage that I received from RoundPoint Mortgage the company to whom I was making mortgage payments to. The Satisfaction of Mortgage was dated XX/XX/2017. I questioned RoundPoint about the paper work and they refused to acknowledge the validity of the Satisfaction of Mortgage, I informed RoundPoint that I would not be making any more payments, the calls and emails stop coming from RoundPoint. Recently I received a petition to foreclosure on my home from a company that I have never had dealings with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account # XXXX date opened are different ; XXXX opened date is XX/XX/XXXX experian open date is XX/XX/XXXX XXXX opened date is XX/XX/XXXX high credit amounts are different. 
XXXX high credit is $ XXXX experian high credit amount is {$30000.00} equifax high credit amount is {$8300.00} last reported date are diffrent dates XXXX last reported date is XX/XX/XXXX / experian last reported date is XX/XX/XXXX equifax last reported date is XX/XX/XXXX please delete this account for multiply inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXXXXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the XXXX code.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since I moved from XXXX  to XXXX  I've had nothing but straight hail from the credit of reporting agencies they say I got fraud they say they put freezes on my credit report that is not doing me any justice I worked hard for my for my good credit that I have I have outstanding excellent credit and now all my cards are being turned down for identity theft nobody has stole my identity I me I would appreciate you I'll get this off of all three of my credit report agencies so I can maintain my credit card use cuz I'm a upstanding citizen I fought for us in the war I demand accuracy and I'm who I say I am nobody else is me pretending to me nobody stole anything and there's no fraudulent things on my charge card straighten it all out Capital One XXXX XXXX  all them cars have been put under review because of this XXXX this is XXXX  fix it now I live in XXXX I no longer live in XXXX  my telephone number has changed I no longer have XXXX  numbers thank you so much
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/2023 I applied for a credit card using my name birthday, social security number and my autograph which is a blank endorsement. using usaa federal savings bank mobile app I submitted my application/note and was denied credit. I called to inquire about the denial and was told that there decision did not go against the ecoa and there was no remedy for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$890.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$20000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

I have over drafts fees because they say the merchant sometimes takes money out later. But when I check to see if the money was took I was but they say no I sometimes takes days for some merchant.
Product: Money transfer, virtual currency, or money service

the SSN belongs to the SSA and anything purchase with that identifier number is a obligation of the United State 18 U.S.C. 8. Means that Anyone attempting to collect a debt from me is guilty of THE FALSE CLAIMS ACT ( FCA ), 31 U.S.C.3729 - 3733
Product: Credit reporting or other personal consumer reports

I called the company to explain that I was not the one who authorized to do this investigation of my credit and I never signed anything because I did not authorize or make that request, I request the immediate elimination of my credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

The following addresses are not mine 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: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the investigation of an account reported by XXXX on my credit report. The account in question is inaccurate and is from a third-party collection agency. Despite disputing this information with the credit reporting agency ( XXXX ), the item remains on my credit profile. 

Portfolio Recovery Associates and XXXX has failed to provide adequate documentation to validate the accuracy and ownership of this debt, yet XXXX has stated that the information was certified as accurate by the reporting company. This raises concerns about the thoroughness of XXXX XXXX investigation and compliance with the Fair Credit Reporting Act ( FCRA ), which requires both the credit reporting agency and the furnisher of the information to ensure the accuracy of reported items. 

This unresolved and inaccurate reporting has caused undue harm to my credit profile and financial standing. I am requesting that the CFPB intervene and require : Portfolio Recovery Associates to provide full and verifiable documentation supporting the accuracy of the account they reported, including proof of debt ownership and validation. 
XXXX to conduct a proper reinvestigation into this matter, ensuring compliance with the FCRA. 
The removal of this inaccurate item from my credit report if Portfolio Recovery Associates and XXXX is unable to provide proper validation. 
I appreciate your assistance in addressing this matter and ensuring that my rights as a consumer are upheld. Please let me know if additional information or documentation is required. 
This is regarding to account number XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block inc ) due to inadequate customer services and unfair practices which violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and affective measures to prevent and 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 Funds Transfer Act ( EFTA ), Including Regulation E. These actions have caused significant inconvenience and financial loss, and I am seeking appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested reports by clicking on annualcreditreport.com on Washington State Attorney General 's credit site. Requested report on annualcreditreport.com. Requested Equifax report. Made possible error. Did not select XXXX XXXX XXXX as my bank because as far as I know my bank is XXXX XXXX XXXX without the " XXXX ''. Then informed I could not get my report online and I had request a hard copy to be mailed to me. Called XXXX to get a copy. Only options are automated. Ca n't get operator by pressing " 0 ''. At the end of slogging through the data entry and/or voice entry ( half of which apparently could not be understood ), I pressed the wrong number when asked if I was the blind. When asked if I needed a report for the blind I pressed the key for " No ''. No confirmation from them so I am not sure what I will get from them. Next I went back to the annualcreditreport.com website and went to the " Contact Us '' page. No option for a phone call to a human so I requested the " Comment Form ''. Filled out the form saying I was not blind and want the report for people who can see. When the comment was submitted I got a reply saying " thank you for your comment '' so who knows if any action will be taken. I know I am not the only lousy typist out there. Others could easily be caught up in the unhelpful loop. It seems to me that this whole process was set up in a very unhelpful way. It is almost as if they set it up for requests to fail easily. I have seen much better process flows and options for error correction. Thank you. P.S. This was all online or by telephone so I have no documents.