23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

This has got to end, I have disputed this account through XXXX XXXX for a long time. This debt is past the statute of limitations and should not be listed on my personal credit file. I have requested the actual company XXXX XXXX to even validate and nothing has even been received after numerous disputes and validation request. My next step if this is not resolve is to hire an attorney. There is a law that is in place for a reason. I am requesting Experian to remove through your agency as my disputes they do not investigate nor comply with the law.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I wrote Experian and asked that they update my name and address to correct spelling and current location. My letter was ignored. On XX/XX/XXXX I then contacted the CFPB and filed complaint # XXXX and supplied supporting documentation requesting that my name and address be updated to reflect my current address and the correct spelling of my name. Earlier XX/XX/XXXX, I called Experian and spoke with a representative who assured me that only my current address and the correct spelling of my name would be reflected on my credit report. The name has been corrected. I also took the liberty at that time to have them remove my phone number and employment listing for safety reasons. I was assured that my credit report would be adjusted to reflect my current address. On XX/XX/XXXX Experian responded to the initial complaint I filed under the complaint ID listed above. Experian went against the promise made by their customer services representative. To date my previous addresses are listed on my report. This is a clear violation of consumer law which states that I have a right to have fair and accurate information on my credit report. In response to my complaint, Experian tried to push the blame onto the listing creditors and stated that I should contact them directly to have my information changed. Why should I have to do that when I have supplied Experian with the correct information with two accurate proofs of information i.e. my drivers license and the utility bill. See attached. Not to mention that the creditors have been reporting inaccurate information in the past. I do not trust that these companies are working in my interest and I refuse to engage with them since they will not provide me with the validation I have requested in the past. Experian has been provided with accurate information, but apparently they are above the law.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX XX/XX/2023 I've been scam to transfer funds that supposedly my account I called the Bitcoin & Robinhood their answer is they can't revert the transaction. 

The amount are : {$15000.00} from Bitcoin {$4900.00} from Robinhood Description Bitcoin DepoXXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

FAILED TO PROVIDED ME WITH DETAIL REQUEST FOR VERIFICATION! - I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 


Sincerely yours,
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 process was unfair and deceptive, as they did not comply with the error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation e. These actions have caused significant and convenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report and discovered multiple errors. I sent a letter to Experian stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/2018 and it was signed for on XX/XX/2018. I received a letter back stating they had verified this using a third party ( XXXX ). I sent a second letter on XX/XX/2018 and it was signed for on XX/XX/2018, stating that I was requesting the information that they used to verify the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not prove and documentation to me as verification. I mailed my third letter on XX/XX/2018 and it was signed for on XX/XX/2018. I called Experian and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. 
My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 
I have given Experian multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated. 
I am hoping this matter will result in the removal of the bankruptcy from my account.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX and Trans Union, XXXX several times by phone and via internet about the hard inquiries I have noticed on my credit report that I didnt authorize I also tried too call the companys its self but got the run around so Im in need of help to get this matter resolved..
Product: Payday loan, title loan, personal loan, or advance loan

The promise me to be a elite costumer giving to me points to get better interest rates but never change my status or points even if they say with every payment you will get better rates
Product: Credit card or prepaid card

I had a Credit Card with Shell Citibank Mastercard in the past. But I canceled it. 
I canceled the account and the Credit Card back in XXXX. 
I have not gotten any emails or communications from Shell Citibank showing Statements, Communications, etc. since XXXX. 
The last STATEMENT I received was back on XX/XX/XXXX. 
This would make sense to me if I canceled my Credit Card and Account back in XXXX. 

I separately had an account for XXXX XXXX XXXX with XXXX. 
I suddenly got Invoices from XXXX in XXXX and XXXX of XXXX for the monthly subscription bill. The Invoices showed it was charging the Shell Mastercard account. I reached out to XXXX and corrected the Credit Card to charge. XXXX has corrected this. 

I got a call from Shell Mastercard today, XX/XX/XXXX, saying that I have an overdue bill for something over $ XXXX as a result of starting with a {$6.00} monthly bill, that now has several LATE PAYMENT FEES on top of it that seems to be adding up. 
I requested to speak to someone that can help figure this out and they proceeded to transfer me, only to have the call hang up on me without actually speaking to someone. 

I called the Customer Service Line with Citibank and was promptly hung up on after waiting on hold for 45 minutes.

I called another Customer Service Line with Shell Citibank, and was promptly hung up on after the computer phone system was transferring me to an operator.

The Computer Phone System with CITIBANK can not find my account based on my SOCIAL SECURITY #. 
I don't know the Account Number because I DON'T HAVE AN ACCOUNT ANYMORE.

I don't physically have a CREDIT CARD. The Credit Card had an Expiration Date from many years ago.

I don't have any Numbers to link my account to and actually talk to someone on the Customer Service Line to get to the bottom of this.

I canceled my account with Shell Mastercard Citibank many years ago.

I receive NO STATEMENTS.

I receive NO EMAILS.

I called the help line, but the Phone system can not locate any records attached to my Social Security ( again, this makes sense because I canceled my account with them years ago ).

I do not know what to do at this point.

I do NOT want my Credit Score or Credit History affected by this issue.

Please advise.
Product: Credit reporting or other personal consumer reports

i checked my credit report and have a late payment reporting from XXXXXXXX XXXX XXXX XXXX  i have contaced them several times to update my payment details to a new card on file due to my phone and wallet being confiscated by law and they denied my request several times telling me i had to be able to login my account to do it but i couldnt due to 2step verification which its sending a code to a phone number i know longer had any access to. ive never missed a payment or anything my phone being took and wallet caused the mishap and i let them know and tried providing them documetation of it from the police
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB complaint to you today to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of inquiries which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the Credit Reporting Agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau 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 or delete 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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting or other personal consumer reports

Dear CFPB, PenFed, and Credit Bureaus, I am writing to formally dispute the recent changes in my credit report related to my mortgage account with Pentagon Federal Credit Union ( PenFed ). I have attached all relevant documents and screenshots to support my dispute. 

Details of the Dispute : Mortgage Account Information : Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : Incorrectly reported with added interest, causing an inflated balance. 
Payment History : I have made all required mortgage payments on time, as shown in my payment history. There have been no missed or delayed payments.

Credit Score Impact : On XX/XX/XXXX, my XXXX credit report showed a XXXXt decrease in my XXXX score, with the explanation that the balance on one of my accounts increased by {$7300.00}. This is incorrect and unjustified, as the increase appears to reflect interest or other charges that do not accurately represent my mortgage balance. 
Incorrect Reporting of Loan Balance : The balance reported on my credit file has been increased without any justification. This negatively affects my credit score and financial standing.

Impact of the Errors : The errors in reporting have caused a drop in my credit score, which can lead to unfavorable financial consequences such as higher interest rates, reduced creditworthiness, and limited access to credit.

Requested Action : Investigate the reporting of my mortgage account and correct any inaccuracies, particularly regarding the loan balance.

Ensure the payment history reflects the accurate status : no missed or late payments.

Update my credit report across all credit bureaus to reflect the correct balance and restore my credit score.

Provide written confirmation of the actions taken to correct this issue.

Supporting Documents : Screenshots of my account showing on-time payments and accurate balance.

Experian credit report highlighting the discrepancies and credit score drop.

Mortgage payment receipts.

I request an expedited review of this dispute and expect a response within 30 days as required by law. Please do not hesitate to contact me for additional information. I appreciate your prompt attention to this matter. 

Also on XX/XX/XXXX, my PenFed added information to my XXXX credit file for a third time after the mortgage which made, my score dropped significantly from XXXX to XXXX and never went back up again. 

This unexplained credit score drop is adversely impacting my financial reputation and may affect future financial opportunities. XXXX lack of response and resolution over a seven-month period is unacceptable. 

Supporting Documents : I have attached screenshots of my credit reports and scores from various platforms to demonstrate the discrepancy and consistency in my credit behavior. 

Requested Resolution : A thorough investigation into why my XXXX credit score dropped by over XXXX points on XX/XX/XXXX. 
Immediate correction of any errors or discrepancies in my XXXX credit report.
Product: Student loan

I have had many issues with Mohela with keeping my account updated and accurate. This started in XX/XX/2024 when they put my account in deferment for both administrative and in-school reasons. I signed a form not to put my account in deferment, as I was still making lump sum payments for my loans. My account was fixed for a few months, until they transferred my account to Mohela.studentaid.gov. They then lost track of this form, and proceeded to put me back in-school deferment ( which is still reflected on the deparment of education 's website ). When I called them, they told me that this would take 120 business days to fix, which is not a reasonable timeline. When they ultimately put me back in repayment, they did not account for all the lump sum payments ( {$20000.00} ) throughout the year in calculating my next payment. They continue to charge me monthly despite the Department of Education stating that lump sum payments would count to pay ahead for future payments. I have made this known to them, and they tell me they will fix this over the phone and that they will follow up with me. They have yet to follow up with me, which leaves me to call them multiple times ( and waste hours on the phone ) and explain to multiple agents who offer a different solution each time with again another unreasonable timeline ( 90 business days ). Each time, this is not resolved. Because of their disorganization and XXXX mismanagement, I am losing time and money every month.
Product: Credit reporting or other personal consumer reports

I am writing to formally document that my personal information was compromised as a result of a data breach, which has subsequently been used to open fraudulent accounts in my name without my authorization. This breach exposed sensitive data, including [ specify types of data, e.g., Social Security number, date of birth, address, etc. ], enabling identity thieves to commit financial fraud under my identity. 

I have not authorized or initiated any of the accounts in question, and I am a victim of identity theft stemming from this breach. The fraudulent accounts have caused significant harm to my personal credit and financial standing, and I am taking all necessary steps to address this issue, including disputing the inaccuracies with credit reporting agencies, filing an identity theft report, and requesting the immediate removal of all fraudulent accounts from my credit report. 

I request your cooperation in investigating and resolving this matter promptly and urge all entities involved to act in compliance with the Fair Credit Reporting Act ( FCRA ) and identity theft protections outlined under federal law.
Product: Student loan

I have two unsubsidized loans from Ed Financial one is XXXX and other is XXXX, I paid off both the loan in XXXX transaction last week ( XX/XX/2023 ), it decucted the {$7900.00} from my bank but applied payment to only one account ( XXXX ), the other loan still shows as pending and is accumulating interest daily. 

I tried contacting Ed financial through emai but never got a response, also calling them every day waiting extremley long timea ( 6-7hrs ) and then getting disconnected, also put my number for call back but never get a call back from Ed Financial.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Capital One have close my checking account, however when I inquire about the fund in my account they keep saying they are doing the investigation. It has been over two months since the account closed. Still I can not receive my fund back.