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

I notices there are A LOT of inaccurate information including personal information ( name, address ), account information inaccuracies including but not limited to incorrect or inaccaruate balance, terms, dates of reporting, mis-information regarding account information. Furthermore, late payments Listed under the collection account name account number from my understanding collection accounts are not supposed to include a payment history of late payments as I do not have any payment agreements currently set in place with this agency this collection claiming a history of late payments is a false representation to my relationship with them they can not report any payment history on the account from the alleged creditor before them a collection is by default derogatory this goes without saying please delete ALL negative information from my credit report immediately ( I have provided proof of negative informtion in this letter. Under the FCRA certain inaccurate information in all reports ( XXXX, XXXX, and XXXX  ) also to include third party consumer reporting agencies. The following are violating my consumer rights : NEGLIGENT VIOLATION- failure to comply with the FCRA Litigation Activated- violated the FCRA by negligently Failing to follow reasonable procedures for ensuring the accuracy of consumer information.

Failing to properly investigate or reinvestigate a consumers dispute.

DAMAGES AND REMEDIES- failure to comply with the FCRA I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.

I am requesting that the item be [ removed, updated, or other suggested change ] to correct the information.
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 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 complaints.
Product: Debt collection

I obtained a copy of my consumer report and noticed a Discover Bank credit card account I did not open. I reached out to Discover Bank and was told that this account was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

KOHLS/CAPONE XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$260.00} {$260.00} {$300.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 90 Days Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXX & Inquiry from XXXX on XX/XX/2022 has XXXX my rights. 

15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 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 con

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

XXXX XXXX  XXXX. has reported to the 3 credit bureaus -experian , XXXX and XXXX that i  owe a balance of {$1900.00} for a auto loan. This auto loan was paid in full on XX/XX/15. i've tried many times to talk to this company but they fuse to accept that i paid this loan. I disputed this account with all 3 credit bureaus multiple times only to have this account verified. Even though i provided them with a copy of the contract payoff. This account is hurting my credit to get a mortgage.
Product: Debt collection

There was an eviction process that went through XXXX XXXX XXXX. We went to court XX/XX/2022. XXXX stated that if I were out by XX/XX/XXXX, I would not owe apartments anything. Showed up to court on XX/XX/XXXX stating I was gone, clerk told me case would be dismissed without giving me paperwork that stated this information. Received documentation XXXX weeks later stating that XXXX said I was not out by said date and time that was ruled by judge. The judgment was given to them without my knowledge. Went to court house to rectify situation with video footage showing I turned key in and also a contract showing my movers were done moving by agreed time. XXXX house supervisor stated the case would be sealed off showing there wouldn't be a judgement for either side because of falsified information coming from XXXX XXXX. Before this judgement was given, XXXX sold the debt to The National Credit System. They have not properly contacted me, not by mail or email stating what the fees are for only that they are working on behalf of XXXX, which was a very quick phone call. Ive sent XXXX certified letters to National credit system asking for original contract with my signature for validation of debt and no one has replied.
Product: Debt collection

Ocwen bought our discharged chapter XXXX bankrupt loan from XXXX mortgage in XX/XX/XXXX. Our bankruptcy was complete XXXX XXXX they have harrassed us for payments for loan and home insurance for the past 5 years on a house that we did not own. We have sent them file after file, and calling to no avail, even having our attorney help us. They finally discharged our debt XX/XX/XXXX, completely ruining any chance of cleaning up our credit. We now have to wait another 4 years before we can purchase a home which is where I would set up my business. Ocwen needs to have a Class Action law suit filed against them
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$830.00} ; XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$2000.00} ; XXXX XXXX XXXX XXXX XXXX  : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX  : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$73.00} ; XXXX XXXX XXXX Balance XXXX XXXX {$2900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} ; XXXX XXXX XXXX Balance XXXX XXXX {$440.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX Last XXXX SS XXXX Attention : United Auto Credit XX/XX/XXXX To Whom it May Concern, According to my most recent credit report, your company is currently reporting to the XXXX XXXX XXXX that I applied for credit with your organization. I did not XXXX you authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from the XXXX main XXXX XXXX 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within XXXX ( XXXX ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 
Sincerely yours, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts where open without my knowledge, which let me be responsible for paying back, I have been disputing these items for 2 years now I have send FTC reports, police reports but they have yet to removed. Also a few companies removed it from the bureaus for a few months and then put back on which is a violation of my rights. Accounts are closed but are revolving on my reports. 

XXXX XX/XX/XXXX ( {$940.00} ) XX/XX/XXXX {$1200.00} Macys XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2018, I visited Citibank XXXX XXXX and opened a checking account. My account number is XXXX. I was served by XXXX, XXXX XXXX. He promised me I could receive a XXXX dollar bonus after I deposit XXXX bucks in 30 days and keep it for 90 days. I did accept this offer and I did a deposit. 

Later, I wait till XXXX and there is no bonus appear. I went to CITIBANK online chat and was told I have to wait till XXXX. Then I wait till XXXX. and no bonus appear. I made another online chat on XX/XX/2018, and was told I have to send my XXXX form because of the banker 's mistake. The person I chat with is named XXXX. She confirmed my bonus, and said I have to wait another 14 days. Well, I send the form to Citibank, and then I wait another 2 weeks. 

Today on XX/XX/2018. I made a third-time online chat. The customer representative named XXXX said she can not find the account bonus, refused to do further investigation for me, and urge me to go to branch, which is 300 miles from my current address. She said the bonus is end on XXXX. But at the moment I check with them on XXXX and XXXX., they just let me wait!
Product: Credit reporting, credit repair services, or other personal consumer reports

today I submitted disputes to EXPERIAN ONLINE FOR ACCOUNTS THAT HAVE BEEN REAGED, A VIOLATION OF FCRA. 
EXPERIAN WOULD NOT ACCEPT THE DISPUTES AS THEY HAVE BEEN INVESTIGATED BEFORE.THEY OFFERED TO ACCEPT UPLOADED INFORMATION TO SUPPORT THE DISPUTES ... THEN AFTER INPUTTING EVERYTHING AT GREAT TIME EXPENSE THEY SAID UPLOAD IS NOT AVAILABLE ... YOU CAN SEND BY MAIL. 
I HAVE DOCUMENTED EVERYTHING AND INCLUDED A COMPLETE REPORT
Product: Debt collection

I was contacted by Transworld Systems Inc stating I owe a debt for a XXXX XXXX  card from XXXX. I know for a fact this is not true because it was paid off through my XXXX  wages. They stated that XXXX sold the debt to them. They are threatening to garnish my wages. I asked them what options do I have and they told me to take a loan out, sell my vehicle, borrow money but either that or they will garnish my wages. I asked for proof of debt and all they sent was a bill from XXXX  for {$700.00} and told me I have to pay them {$1700.00}.
Product: Credit reporting or other personal consumer reports

I recently checked my report to and was shocked to see multiple accounts that were not opened by me. These will need to be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX XXXX XXXX ACCT XXXX XXXX 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 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: Credit reporting or other personal consumer reports

On XX/XX/2023, and XX/XX/2023, I am also exercising my right as a consumer and requesting that Experian provide the information on file used to determine the completeness and accuracy of any information during this investigation in accordance with FCRA 609 [ 15 U.S.C. 1681g ].

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them.

Please remove any information that the creditor can not verify. In accordance with FCRA 611. [ 15 U.S.C. 1681i ], a consumer reporting agency by law, must complete this reinvestigation within 30 days of receipt of my letter if they have failed to do so. 
I have not received proper validation of the below-listed charge-off accounts. 

Please delete the below-unverified charge-off account from my Experian credit report 1. XXXXXXXX XXXX XXXXXXXX Acct # XXXX Amount of {$33000.00} 2. XXXX XXXX XXXXXXXX Acct # XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

National Credit System reported someone else 's collection accounts ( account number XXXX ) to my XXXX credit report. They admitted on the call that the account belongs to someone else but they refuse to clarify this information to XXXX or clarify this situation in writing so that I can clarify with XXXX. XXXX also forwarded the dispute to them and they have been sitting on it and refusing to settle this. 

This mistake they make has caused my rental application to be denied and I have been incurring damages as a result. They need to settle this ASAP.
Product: Credit reporting or other personal consumer reports

well on the date of XX/XX/2023 i filed a dispute through the CFPB to trans union an XXXX as well due to the fact that there are reporting incorrect info on my credit report that is damaging my life in way not even known and they both got back to me one in just a Little under a month and thee other in just a little over month witch is not legal but anyway to put it short they are both saying the same thing to me about not being able to understand what it is that i am filing about well it is clear to see an is clearly not rocket since i have sent screen shoots to back my claim as well but here i am doing this again because i filed a dispute with XXXX as well and they are getting back to me with the same response as well so here i am to clear the air one more and hopefully final time so that they understand i have updated info on the things that i am filing about and will one again post screen shoots with this dispute please help for one they want up to date address info and that i do not have because i am currently XXXX XXXX XXXXXXXX wa so as far as an address to give i dont have one no one wants to rent to me because i have bad things on my report and to boot there are all different on each sight and all i get is this nonfiction saying that my reports are out of date and will up date in x amount of days or i can just pay to have updated right away witch i dont think is legal either not sure but this is really crazy that to know what i am talking bout they need to know about my past an current living situation its wrong and just down right unfair and it need to be fix so again i am saying its not rocket silence if all XXXX are not reporting the same then that is grounds for removal getting back to me XXXX or more after i file a dispute is also grounds for removal of any negative info on my report and one deletes it all of them have to delete it so please do so asap thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus are reporting Erroneous information on my credit file.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$930.00} XX/XX/XXXX XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$4500.00} 12/13/2021 15 U.S.C, 1681section 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 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX I took out a personal loan with Loan At Last, an online lender. I borrowed {$300.00}, but as usual planned to pay back before the maturity date. 
I ended up losing my job due to COVID and lack of business. I have already paid $ XXXX and I still apparently owe them {$530.00}. 
I attempted to email to see if I could just pay the original loan amount, or to see what could be worked out. 
Unfortunately I was told there was nothing that could be done. I had no idea, and have never before seen a 500 % interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit card

Capital One has continuously charged me late fees for missed payment days that fall on XXXX. As an observer of the XXXX XXXX, I do not engage in financial transactions on XXXX. Capital One again recently charged me a late fee for missing a payment this past XXXX, XXXX/XXXX/2014. I have called in many times complaining about this problem, and they have done nothing. I believe this practice is XXXX and I should not have to make my payment early because they will not honor my XXXX. In addition, I have requested credit increases multiple times, as my credit limit is only {$300.00}. Capital One has not responded to XXXX of my requests. On the last request made, I was denied because Capital One claims they can not access my credit report because there is a security freeze on it. I contacted XXXX, XXXX XXXX, and XXXX. There is no such freeze on my reports and there has not been since I have been in possession of this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

all credit reports XXXX XXXX Experian XXXX I have requested from all three have never send me an credit report from all three threw annual credit report I have not heard an respone at all my name is XXXX XXXX I have asked them constanly haven't heard nothing I want to file an compliant on all three agencies
Product: Debt collection

I received a letter for debt collection from the CBE group about a debt owed on an XXXX  account that I do not have. The letter is dated XX/XX/21. The amount of the debt was listed as {$100.00}. We contacted XXXX and they said they do not use CBE group for debt collection.