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

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

On XXXX XXXX I received a call from someone stating I had been approved for a loan, I told them I did not apply for a loan and they started telling me I filled out an online application in which I did n't, they mentioned that someone had used my social to apply for a loan, I then recieved a call from another loan company regarding a personal loan. Since they had my email address, I went into my email address to look to see if there was anything in my email in regards to a loan, this was on XXXX XXXX. I checked my reports on XXXX and saw a vendor XXXX listed for a hard inquiry, I saw in my email their number and I contacted them and let them know I did not apply for a loan and that they had information with my correct address, wrong birthdate, correct name and email, but wrong place of employement. I looked on XXXX and saw that my profile was listed to include XXXX XXXX XXXX which is not where I work. I did a dispute for the loan but did not see anywhere to put for incorrect reporting for XXXX XXXX XXXX. Last week, I put a 90 day freeze on my credit bureaus for safey. I have contected XXXX XXXX and they asked me to come in and get all the documents and also to call a number to see about getting the hard inquiry removed, I also need XXXX XXXX XXXX to be removed because I work full time for XXXX of XXXX XXXX. In addition to filing this complain, I will also file a police report today.
Product: Debt collection

I was taken by ambulance to the emergency room in XX/XX/XXXX in XXXX Maryland. I paid for the hospital bills as well as the ambulance fees when they were billed at the time at my address. 

As of XX/XX/XXXX I am receiving calls from XXXX now that I owe {$100.00} to a doctors ' billing company. XXXX claims that the billing company could not locate my address, even though the other bills came to my address with no problem. Also, the 'old address ' that XXXX XXXX the contact at XXXX, claimed they were using to try to bill me is a totally inaccurate address pieced together from some of my prior addresses. 

XXXX filed a collections report with Equifax in XX/XX/XXXX - long before I 'd been contacted or had any chance to verify their claims and settle the matter. As XXXX explained to me - they were unable to find an address or any way to get a bill to me. There is no way a collections charge should be applied to my credit score for a charge of which I had no knowledge.
Product: Money transfer, virtual currency, or money service

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 process 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 an ( 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 process 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 financial loss, and I seek appropriate redress for these violations. 
I want the CFPB to publish this,,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account several time the same account is reported twice on my credit report
Product: Credit reporting or other personal consumer reports

Certainly! Heres a template for a complaint letter to the Consumer Financial Protection Bureau ( CFPB ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Subject : Formal Complaint Against XXXX XXXX Department XXXX XXXX XXXX. XXXX, XXXX Dear Sir/Madam, I am writing to formally file a complaint against [ Name of Company or Institution ] regarding an issue I have encountered with their [ Credit Report and Score ]. I believe that their actions/inactions have violated my rights as a consumer, and I am seeking your assistance in resolving this matter. 

Nature of Complaint : I verbal contact them on the phone asking to disputed all 14 negative items and all inaccurate information on my credit report and remove all old address i explained that it was illegal according to fair credit act 15 : U.S.C.1681 and 15.U.S.C.1682 both verbally and writing! and how they failed to resolve the issue. ]. I made multiple attempts verbally in in writing Attempts to Resolve i called and submitted disputes I reached out to Equipfax customer service on XX/XX/XXXX and was told that it was hindering me and that I cant get a place to live because of it However, they have failed to remove the bad and negative items off my credit report despite my repeated requests.both verbally and in writing a disputed Impact it's has emotional draining for me I i can't get a vehicle or a place to live because it I'm XXXXXXXX XXXX XXXX XXXX  As a result of this unresolved issue, I have faced financial hardship due in the middle of a divorce to the erroneous charge, and I have spent considerable time and effort trying to resolve the matter with I respectfully request that the CFPB investigate this matter and assist in resolving it. Specifically, I would like [ state your desired outcome, such as a refund, cancellation of charges, etc. ]. 





Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX -- - You can fill in the details according to your specific situation. Make sure to include any relevant documentation that supports your complaint when sending it to the CFPB.
Product: Credit reporting or other personal consumer reports

l am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681 ), 609 ( 15 U.S.C. 16819 ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries thatI do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there! 

I would like to file a dispute with the XXXX. On XX/XX/2020, I sent a dispute asking to verify the information concerning the bankruptcy on my XXXX credit report. XXXX responded and verified this bankruptcy through information " obtained from local, state, and federal courts through a third party vendor, LexisNexis ''. Interesting, because on XX/XX/2020, I asked the courthouse to verify if they were reporting information to the credit bureaus to see if this was true. The courthouse stated that they did NOT report any information to the credit bureaus. Either directly, or through a third party vendor like LexisNexis. This leads me back to XXXX. If the courthouse did not send the information to the credit bureaus ( directly or indirectly ), how are they verifying this information? What method did they use? So on XX/XX/2020, I sent a certified letter to the XXXX informing them that they were reporting a bankruptcy on my credit report, that was not verified with the courthouse that they are reporting that they received the information from. They then AGAIN stated that all of the information was " verified ''. But how if the courthouse does not communicate with any credit bureaus ( LexisNexus is a credit bureau )? I find this information false, misleading, and should be removed from my credit reports! I have attached ALL of the letters to prove my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has an account identified as a XXXX XXXX which should be eliminated from my credit report. In XXXX I had a dispute for faulty installed equipment with XXXX XXXX provider which was taken to a hearing at the XXXX ; The matter was unresolved and I entered an appeal which was not ever responded to. While I wrote to the company and received calls multiple times this unresolved account should have been removed from my records after XXXX years. Consequently, in XXXX XXXX was bought by XXXX. They were informed by letters of the situation as well. After moving out of State in XXXX I have destroyed all the paperwork. At Experian I discovered that XXXX years after the initial dispute XXXX made a {$16.00} transaction activity on this account and registered it as a XXXX. When I filed a complaint with Experian, the representative states this can not be removed until XXXX which is totally inappropriate. XXXX 's action is devious and violates my consumer protection rights ; in Massachusetts the law protection is for XXXX years, in the country it is supposed to protect for XXXX years. This is now XXXX years I have had to debate the issues, that have been, and are still being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complain ID : XXXX It was deemed by the credit bureau , s on XX/XX/XXXX that My XXXX account was fraud but still my credit report With Equifax, XXXX and XXXX still shows this as a collection account. I sent a letter XX/XX/XXXX that will be attached to this. I am requesting that the credit bureau delete XXXX Collections off of my credit profile.
Product: Payday loan, title loan, personal loan, or advance loan

Im on XXXX and cashnet usa keep taking money out my account and leaving me in the negative and they won't set a certain amount to take out every month. They take out different amount every month leaving me in the negative and I don't have enough after they wipe my account clean.
Product: Checking or savings account

Subject : Complaint Regarding Delayed Availability of Direct Deposit Funds Dear CFPB, I am writing to formally lodge a complaint regarding an issue with my financial institution, Capital One Bank. For the past XXXX days, my direct deposit funds have been unavailable due to an unspecified issue on the banks end. This delay has caused me significant inconvenience, as these funds are essential for meeting my financial obligations. 

Despite multiple attempts to seek clarification and resolution from Capital One Banks customer service, I have been unable to obtain a satisfactory explanation or timeline for when this issue will be resolved. This lack of transparency and prolonged inaccessibility of my funds is unacceptable and has created undue stress. 

I am requesting the CFPB 's assistance to : Investigate the cause of this delay and why it has not been communicated effectively to affected customers. 
Ensure that Capital One Bank promptly resolves this issue and makes my direct deposit funds available. 
Hold the bank accountable for any financial harm caused to customers due to this delay. 
I appreciate your attention to this matter and look forward to your assistance in ensuring fair treatment and resolution. Please feel free to contact me for additional details or documentation regarding this complaint. 

Thank you for your time and support. 

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

UAS XXXX has had the incorrect contact information on my account ever since they bought out the previous loan servicing company. I have tried multiple times to fix this but it has been an issue for at least a year. Because of their incorrect data, I do not receive any information in regards to loan status, due dates, or past due notices. 

Due to my loan bouncing around multiple companies, I have been unable to keep track when a payment is due, who it's due to, and what the amount is. In fact, I have received zero communication about past due notices, yet this company has no problem reporting it to the credit bureaus. They make no effort in working with the customer and leave me wonder what is going on.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach .Kindly block and delete the account within 4 business days as required by FCRA 605B 15 USC 1681c2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my credit report that are not mines. It seems someone has my information and has been getting and applying for credit in my name. 
The fraud accounts is listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Sold property XX/XX/21 mortgage paid in full. Debit from escrow account was logged XX/XX/21. Check had not been received as of XX/XX/21. After contacting XXXX XXXX mortgage servicing division I was told the check was mailed by one representative and that I must wait 30 days before requesting a replacement, the next representative claimed the check had not been mailed yet and would take up to 60 days to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts reporting on my credit file are unauthorized and fraudulent. Im demanding that these unauthorized accounts be removed and blocked. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX {$8600.00} 3. XXXX XXXX 4. XXXX {$1100.00} 4. XXXX XXXX XXXX {$1100.00} 5. XXXX XXXX XXXX {$500.00}
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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/updated. 

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 XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

Schrier, Tolin and Wagman encouraged me to submit an offer for 80 % of credit card debt after I stated the debt was due to identity theft. I never received validation of the debt before being taken to court. My statement was never acknowledged. I sent Schrier, Tolin and Wagman documentation that I was working with a debt-settlement firm to dispute the debt with no acknowledgement prior to court. None of this information was ever acknowledged. After the I paid timely payments for sixteen months, Schrier, Tolin and Wagman notified me over email that a payment 30 days prior was returned. I explained that my bank account was switched and attempted to pay but was told ( on a federal holiday ) to mail certified funds. I then asked for my total balance and offered to pay the remaining balance due and did not get a response until sixteen days later when told account was in default and the original offer was now void after I have continually tried to contact the firm. The law firm claims to have sent a letter, my statement of not receiving it was not acknowledged. I have, again, stated that this debt from 2020 was not mine with no acknowledgement. Communication has been negligent, coercive, and borderline discriminating. I believe that this firm has and continues to demonstrate gender discrimination by taking advantage of my gender and assumption that I would not know my rights and accept settlement. This law firm has XXXX complaints and continues to commit fraud and theft to benefit high interest credit companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Target Red card has made several mistakes and has been grossly incompetent in handling my account. I have entered a settlement agreement and the 1st once was cancelled because late fees were not credited. The 2nd one was cancelled because the agent did not enter my bank information correctly, even though I read it back to the agent twice. Upon calling to set up a 3rd settlement, the agent informed me that making one would charge off the account, something the other agents did not disclose to me. So today XX/XX/19 I called back again and reached an agent who was anything but helpful. Come to find out I had a " cease and desist '' on my account, something that would have prevented further paperwork from being sent, and also she stated having this makes it " harder for them to help me ''. She also stated that " I should have known I had a cease and desist '' and it is " not our job to tell you this '' and None of the 3 agents I spoke to informed me I had this on my account. When I informed her about not knowing that a settlement would charge off my account, she blamed me for " not knowing this '' as if it were common knowledge. When I told her any bank, credit card company or other financial institution would inform a consumer that their action would result in a negative credit action, she told me I am " wrong '' despite having dealt with this in the past. She informed me she would contact the " head of the department '', but snarkily told me " it probably won't change anything '' even though she admitted what this department has done was " a very large mess ''. After informing her that I would be contacting other organizations about this, she told me " I bid you goodnight '' and hung up on me. While I was at Target tonight doing some shopping, I informed a manager about my issues and he said he has been " receiving a large amount of complaints from guests '' on how " idiotically Target Red Card handles guests accounts ''. So it appears I am far from alone in this matter.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX - XXXX - {$460.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Debt collection

So I called to pay this collection of {$38.00} off, because I received the last letter stating just that, the lady on the phone stated it is now out of statute of limitations, I also said the coming is no longer a company theres nowhere to pay them. She then told me that it wasnt {$38.00} anymore is was {$42.00}. On my credit report it states collections XXXX XXXX XXXX/XXXX/2020
Product: Credit reporting

transunion is currently reporting a paid and closed account on my credit file as - current status : 120 days late - this account was paid and closed XX/XX/2014- the current status should be paid and closed not 120+ days late i tried applying for credit and i was told i have a current 120 day late reporting as current by the creditor. This is incorrect and false reporting and a current late is very damaging to my credit file. I 'm working very hard to better my credit and this current status reporting is very damaging and misleading to the creditor. 

XXXX XXXX Current Status:120+ DAYS PAST DUE
Product: Credit reporting or other personal consumer reports

I submitted an application for a credit card on XX/XX/year> with capital one I received a credit inquiry from XXXX XXXX when I called Capital One to discuss my credit application. after almost 30 days and several calls to Capital One They mentioned to me that there was no such an application that I needed to resubmit the application again. On XX/XX/year> I submitted another application that was approved. I contacted XXXX XXXX as I received another hard inquiry on my credit. The flag the XXXX XXXX inquiry form XX/XX/XXXX and told me to contact capital one back to ask them to remove the previous inquiry as there was no application for me from XX/XX/XXXX. They refuse to do anything for me.
Product: Debt collection

XX/XX/XXXX, I sent a request to validate a debt to ERC collections via certified mail. The letter was collected by XXXX XXXX of ERC collections XXXX and the refused to provide me with the information I requested to validate the debt. 

ERC mailed a letter stating that they were only able to provide me a copy of a fake bill form XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During this time period I did not own any service from XXXX XXXX XXXX as my current service is through XXXX. 

Since ERC is unable to validate the original contract or source of this debt, I am requesting that this item is removed from my credit report and updated to all XXXX major credit bureaus.