23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, a personal credit card account opened at XXXXXXXX XXXX XX/XX/XXXX, and a collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX or XXXX XXXX continuously fails to report the updated balance for my account to the credit bureaus. I had to file a dispute with the credit bureaus in XX/XX/2021 because XXXX XXXX or XXXX XXXX failed to report my updated balance that showed on my statement. The same problem reoccurred in XX/XX/2021 and XXXX XXXX or XXXX XXXX didnt report my balance as shown on my statement. This has caused me to be denied for credit. Ive contacted XXXX XXXX or XXXX XXXX and they told me theres nothing they can do to fix the issue. I spoke with XXXX at XXXX XXXX or XXXX XXXX on XX/XX/XXXX at XXXX XXXX Pacific standard time in reference to the issue and he provided no resolution. This is a violation of the fair credit reporting act.
Product: Credit card

I got a call from Discover credit card company regarding my past due balance. I asked the representative why I am being charged late fee of over {$40.00} when the law just passed prohibiting them from charging more than {$8.00}. She said she was not aware and her supervisor was also not aware of any new laws either. Discover credit card.
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. 

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, 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: Debt collection

I get a collection on my account without my knowledge and now received frequent phone calls with a company I do n't even know. The account is closed on my credit report and the balance of {$1800.00} still showing so I do n't really understand why the company keep calling me for a closed account.
Product: Credit reporting

Im just XXXX my info has been use a lot. A lot of false info and reports
Product: Debt collection

I rec 'd a voicemail on XXXX from XXXX XXXX, pH. XXXX XXXX He said he was with Rdac, which is the name revealed on my caller ID. 
I XXXX the pH. # ; it showed debt collections. 
I have not attempted to contact XXXX XXXX. I am afraid this is a scam. 
I have no outstanding debt at this time that I am aware of. I have not received any written notification of any company to that effect. I have never heard of Rdac.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred {$22000.00} to an account at TD Bank from my account ( XXXX ). I had spoken with my bank to ensure the account was valid and I believed I was purchasing a motorhome. It was a 24 hour transfer so the money would have been received on XX/XX/XXXX. Later that night, early morning around XXXX XXXX I woke up and intuition told me I was being scammed. I called my bank first thing in the morning ( before banks were even open ) and spoke with my bank asking them to cancel. It had already been transferred but they said they would contact TD Bank. 

Throughout the day I spoke with my bank and once with TD Bank and they assured me that they had people who worked these specific scams. By this time I had already reported it to the local Sheriff 's office and filed a report with Detective XXXX in XXXX County, Texas. He did a little research and believed it was a scam. I also attempted to call the XXXX XXXX XXXX XXXX XXXX on Wednesday and was put on hold for 30 minutes and then the call was dropped. This was another indication to me that it was a scam. 

On Friday, XX/XX/XXXX is when the motorhome was to be delivered. It never was and so I knew for sure it was a scam. I filed a report with the FBI and never heard back. I also filed a report with XXXX, which is where the item was for sale and I filed a report with the Attorney General of Texas, in an attempt to recoup the monies through the Crime Victim 's Fund and was denied, stating this was a property crime so it did not qualify. 

FYI : In the last portion of this report, you request for my account #. I do n't have an account with TD Bank, the person committing the fraud does so that is the account # I provided.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the consumers 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 process was unfair and deceptive as they did not comply with error resolution requirements under the electronic transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss in a seek appropriate redress for these violations.
Product: Debt collection

A medical bill was sent to collections XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. The original balance of the debt was {$2000.00}. A settlement was reached for {$1000.00} on XXXX/XXXX/XXXX. The current balance has shown as {$0.00} since XXXX/XXXX/XXXX. The Pay Status for this account has been " Account Paid in Full ; was a collection '' and also " Paid In Full in Settlement. '' All credit reports up until XXXX XXXX, XXXX reflect that this account was closed and balance was {$0.00}. On XXXX XXXX, XXXX the status of this account changed to open on my credit report. There is no longer a debt owed. After requesting that this closed collection account be removed from my credit reports, XXXX changed the status to an active/open account. This is inaccurate due to the settlement that was agreed upon in XXXX of XXXX. Any action taken after XXXX/XXXX/XXXX is inaccurate.
Product: Credit reporting or other personal consumer reports

I tried to log in to make a payment on my XXXX credit card issued by Comenity/Bread Financial on XX/XX/2023. The site was down and I was forced to call Comenity directly because the payment was due on XX/XX/XXXX. The agent I spoke with took my banking details and I asked that she apply a {$150.00} payment to the account. 

On XX/XX/2023, I noticed that the payment had not been debited so I call back and was initially told that the payment was returned by my bank. I explained that was not true as I was looking at the account online and there were no returned checks/ACH payments. After speaking with 5 people for over 1 hour and 45 minutes, Comenity 's support agent explained that the payment had not been returned, rather the account information provided was wrong. I explained that was not possible as I read the information directly from my bank account page. They listened to the call from the previous week and finally acknowledged that the agent from the prior week had entered the information incorrectly. Unfortunately, Comenity had already reported the delinquency to the credit agencies. 

The last agent provided me with a letter stating that the account was in fact up to date and not delinquent. However, the ripple effect of their error has caused major impact to my credit score ( dropping by XXXX points ), which then caused the Comenity to lower the credit limit on the XXXX credit card by 35 % ( from {$2000.00} to {$1300.00} ) and lowered the credit limit on my other Comenity issued card for Ulta Beauty by 25 % ( from {$1300.00} to {$1000.00} ), which has further impacted my credit score. 

I have filed disputes with the 3 major credit bureaus, and I have used the letter provided to me by Comenity, acknowledging the error, to request that my credit limits be restored to the same limit provided prior to the Comenity error.

My issue is the efforts/urgency of Comenity to correct this. All of this was set in motion by Comenity down website and the error in transcribing the banking information, yet, other than their providing me a letter stating the account is not delinquent, there has been zero urgency to correct/restore the credit.

I am reporting as I saw during my search for a direct contact in Bread Fianacial/Comenity, that this company has already been sued once for applying late fees when customers were unable to log into the site to pay their bills and was penalized with a hefty fine. There seems to be no change in their practices. They need to be help accountable for their errors and possibly further penalized.
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX. )
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$13000.00} Open Date XX/XX/XXXX XXXX, XXXX & XXXX XXXX {$7900.00} Open Date XX/XX/XXXX XXXX & XXXX XXXX {$880.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance {$660.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$220.00} Open Date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting collection activity on an account that is past its statue of limitations and is time barred from credit reporting. This is a violation of my rights under the FCRA. XXXX and XXXX XXXX both have already removed this account. XXXX needs to remove this account from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/2021 and a balance of {$76000.00}. 
XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/2021 and a balance of {$15000.00}. I am a victim of identity theft and I never opened this account. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$83.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$200.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : {$290.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$2500.00}
Product: Checking or savings account

USAA Bank closed my account mid XXXX. I owed them some overdraft & since I had n't opened another account with another bank yet, with my first pay, I decided to send part of my direct deposit of about {$89.00} to cover what I owed them. I called few days later, early XX/XX/XXXX, & USAA informed me they received the money & after spending over an hour on the phone with them, they informed me my check will be sent to my updated address & I would receive it within 7-10 bussiness days. I waited. 7 days later I received their fliers, no check. 30 days later, I called them again, I spent about an hour being transferred with absolutely no resolution. They said they sent the check & I should be patient & give it time. I waited, I continued to receive fliers & advertisement stuff, no check. I called them in XX/XX/XXXX, I hang up for being put on hold for over 10 min bc I was at work. I called them in XXXX after I moved to update my address & follow up on the check. Once again, I was on the line with them for over an hour. I was transferred & sometimes had to wait on hold for so long. Finally they told me that my check was returned to them in XX/XX/XXXX. I asked why & they did n't know why. I received everything else they sent but the check. I called them twice before & no one told me this. So then I had to wait longer on the phone for them to send me another check. They said I would receive it within 7-10 business days. 10 business days ended on XX/XX/XXXX. I called them first week of XXXX, they told me, it could be held up somewhere to continue to wait. Once again, I 've received their fliers & stuff & no check. I contacted them again but had to hang up after being put on hold for over 10min. I had explained to them I could n't hold for long since I was at work. While I had a good relationship with USAA as a customer, this experience has completely has changed my opinion of them. Please help me get my few extra funds back as this is the only way I will receive them. Its been almost a year & all I get from USAA are nothing but waste of time on the phone and lies. Why I continue to receive their advertisement fliers but not my check is beyond me. Thank you.
Product: Mortgage

I applied for & received a loan from Bank XXXX which was then transferred to OCWEN for servicing. In XXXX 2015 I was notified by OCWEN that my loan was a balloon loan which was the first I heard of a balloon loan. I started working to refinance with XXXX when I was told by XXXX that I did not have a balloon loan therefor they could n't refinance. Many hours of phone calls with OCWEN followed with some people admitting that I do n't have a balloon loan while others say I do. Nowhere on my promissory note does it say anything about a balloon loan or balloon payment. I just finished a call with OCWEN when I asked the operator to forward a copy of any balloon loan disclosures I signed. He searched for over an hour and determined that there was no such disclosures signed. I 'm not sure where to go from here but my loan matured XX/XX/2015 and they are now threatening foreclosure. When I enter the terms of my loan based on the promissory note in a loan calculator it shows that it would be paid off XX/XX/2015. HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX XXXXXXXX which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX XXXX  The XXXX are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXXe account with account # XXXX opened on XX/XX/XXXX and a balance of {$530000.00}. This account is incorrectly reporting that I have 6 late payments. On my XXXX report there are 4 late payments being reported. 

XXXXXXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account is incorrectly reporting that I have 1 late payments. On my XXXX report there are 0 late payments being reported. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

I appreciate your immediate attention to this matter and look forward to its swift resolution. 







Sincerely, XXXX XXXX Without prejudice, all natural inalienable rights are reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute for incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 information, other then records of convictions of crimes which antedates the report by more then 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

CONSUMER FINANCE BUREAU COMPLAINT LETTER In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 
I have multiple incorrect inquiries on my report that need to be removed asap... 
I have contacted these companies and the representatives have told me they would return my call whenever they find out more information on the inquiries and none have returned a call after I mention each time I contact them. So I'm taking matters into my own hands and contacting y'all to remove these inquiries below from my report due to them being incorrect and damaging my credit report severely... Thank you in advance The incorrect inquiries needed to be removed from my reports : { Experian } 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

PLEASE HELP ME. EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD, I AM MORE AND MORE STRESSED. I WANT MY CREDIT REPORT TO HAVE THESE PERMANENTLY REMOVED.
Product: Credit reporting or other personal consumer reports

Had a loan for an auto getting refinanced thru a different company. Original company put a late payment on my credit report and i can't get it removed.