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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX FIN XXXX Balance Owed : {$0.00} XXXX  XXXX  ( Original XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$9700.00} XXXX  XXXX ( Original XXXX XXXX  XXXX  XXXX  ) XXXX Balance Owed XXXX {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 604 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions There are also several inaccurate information on this account, dates and amount owed
Product: Money transfer, virtual currency, or money service

I believe my Cash App account was hacked because all of my personal information is constantly being removed and whenever I put my number theres another number on there I do not know. Also, there are requests coming from people that I do not know that are asking me for money that I do not have. I have even wrote down the number and email address that was seen on my account and email as well. The email address that was seen on the account was XXXX and the number seen was ( XXXX ) XXXX. I had even went so far to reporting my card stolen in order to get a new one that would come with new routing number and account number as well.
Product: Checking or savings account

Hi, my name is XXXX XXXX. 

I am contacting you guys because I feel like I don't know what else to do. I have been banking with Chime for 2 years now. Recently on XX/XX/2022. There was fraudulent activity on my account. My debit card was being used 3 hours away from where I was at. 

XXXX XXXX XXXX charged my card for {$520.00}. This activity was not me nor was I allowing anybody access to my card. 

Chime has closed my dispute trying not to help or give me my money back. The case is open again now. I tried to contact police and file a report but I keep getting messages back about how the reports are not in their jurisdiction. I tried for XXXX and XXXX Police. 

The hotel my card was used at has been contacted and they said they have marked it as a fraud booking but won't release any information to me or my bank. They said they can only talk to the police. 

Please let me know if you can help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my XXXX report and found the inquiry below which was not authorized by me : XXXX XXXX on behalf of CNU Online Holdings Date : XX/XX/2018
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX Monday, XX/XX/XXXX To : TransUnion XXXX XXXX XXXX, XXXX, PA XXXX Subject : Formal Complaint Regarding Inaccurate Reporting on My Consumer Credit Report Dear, TransUnion, I, XXXX XXXX XXXX a natural person, am formally submitting this dispute regarding the inaccurate and misleading information on my consumer credit report. For the past several months, I have repeatedly disputed these violations, yet my requests for a proper investigation have been ignored. These inaccuracies have negatively impacted my livelihood, and your failure to conduct a reasonable investigation violates my rights under federal law. 

One of the primary inaccuracies pertains to my account with XXXX XXXX. Specifically, this account does not accurately list my payment history, yet it has been reported as negative on my consumer file. Additionally, you have failed to provide me with verifiable proof of the alleged late payments in a timely fashion before reporting such derogatory information on my consumer report. 

This wrongful information has blocked and restricted my ability to secure financial opportunities, making it nearly impossible to sustain a living. The continued misrepresentation of my payment history violates your legal duty to verify disputed information under 15 U.S. Code 1681s-2 and has caused significant financial and personal hardship. 

Additionally, the Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against credit reporting agencies for failing to conduct legitimate investigations into consumer disputes. As detailed in their official report : CFPB and FTC Take Actions Against TransUnion for Illegal Rental Background Check and Credit Reporting Practices, this demonstrates a pattern of noncompliance and willful neglect by credit reporting agencies, further reinforcing my demand for an immediate resolution. 
Since you have failed to fulfill your statutory obligation to verify this information properly and have ignored my repeated requests, I am demanding the immediate removal of this account or the correction of my payment history to accurately reflect my payments. 
This is my final request. Failure to comply within the legally mandated 30-day timeframe will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and potentially pursuing legal action for damages resulting from your willful noncompliance. 

This matter is neither negotiable nor subject to further delay. I demand an immediate correction of my consumer credit file. Please send all correspondence and documentation regarding this dispute to my contact information listed above. 

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

I recently ordered my consumer report from annualcreditreport.com. Upon arrival, I noticed that TransUnion has placed a total of 25 inquiries/accounts on my consumer report that violate FCRA federal laws. I sent in my identity theft report and demanded that all 25 inquiries/accounts be blocked and removed from my report because, I, the consumer and natural person, did not consent to, authorize, nor benefit from any of those inquiries/accounts. Every inquiry and account that I sent them are violations of the following sections of the FCRA. 15 USC 1681 ( a ) ( 4 ) ... 15 USC 1681 ( 2 ) ( a ) ( i ) ... 15 USC 1681 ( 2 ) ( b ). It's also another violation because I never gave TransUnion my written permission to furnish any of those 25 items on my consumer report. As a consumer, I am demanding that all 25 be removed. I sent the company certified mail, so I know when all of the information was received. I have proof of my entire consumer report. I have proof of certified mail with all documents that I sent to TransUnion. I have proof of when they received the documents.

1. The request to block was not made in error.

2. The request to block was not based on material misrepresentation.

3. I, the consumer/natural person, did not consent to, authorize, or benefit from any of those accounts/inquiries. If I received goods or services, I need them to have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of any of those transactions.

Please be aware that I am very familiar with the FCRA laws that govern TransUnion and the rest of the consumer reporting agencies. I know that TransUnion is now civilly liable for all violations under the FCRA federal laws. Under the civil section the amount per violation is {$1000.00}. I am demanding compensation for those violations.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX 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 USC Code 1681eb. 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 in ( MONTHS REPORTING LATE ) to be removed.

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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

As recently as XX/XX/XXXX, Experian reported an account I had with XXXX XXXX as " failed to pay '' or " charged off ''. This account was closed in XX/XX/XXXX. No other activity has been done to this account since then. Yet Experian continues to report negatively on my credit report. My credit score has tumbled 50 plus points since Experian began doing this. I have disputed this account with Experian on several occasions. Experian continues to update my report after reportedly " verifying '' with XXXX XXXX. However, when I dispute with XXXX for verification, I get no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

back in XX/XX/XXXX, I had purchased a product ( all 3 credit report from the 3 bureaus ) forXXXX. this was due to the unfortunate aftermath of the XXXX data breach. after discovering and making corrections on my credit report via XXXX, I received a letter from XXXX stating that my request was fulfilled and I needed to check back with each additional bureaus to assure the changes were reflecting as well. So I decided to jump on Experian to check my report, it was then that I was offered to create an account which would allow me to monitor my credit score and report for FREE. like any story it sounded too good to be true in fact there was a small fee of {$4.00} that needed to be paid. I paid the {$4.00} fee and ensured that there weren't going to be any featured or future charges so I immediately called Experian to have my membership canceled, I took extra steps to go ahead and even turn off the debit card that I used just to be on the safe side since I barely use the card anyway. Fast forward to XX/XX/XXXX after recently turning my subject debit card on I saw a charge of {$39.00} on my account dated for XX/XX/XXXX and processed on XX/XX/XXXX. I immediately called the customer service line and WAITED for 1H:32MIN before I was able to speak to customer service Rep. after an additional 35 min ( total phone time now at 2H:7MIN ) the supervisor offered me a {$19.00} refund and stated that's all she could do at her level, I then proceeded to ask her for the next higher echelon which according to her would be " XXXX '' to help me resolve my problem and get me the rest of my {$19.00} back. now before you tell me that I should have read the fined print which I did and called to get my account canceled, it wouldn't even be fair because these guys weren't actually able to charge my account for all this time, which means I wasn't even able to enjoy whatever this product they offered, and as you can see below I had plenty of time on the phone waiting to be spoken to that I even successfully navigate their complex website to cancel my account myself. 
with that being said, I respectfully asked that you issue my refund in full ( {$39.00} ) or for the case {$19.00} if the supervisor I spoke on the phone with, promised to refund the first part, her name was XXXX XXXX I believe ( could be off on the spelling ). 
You can imagine that I have spent a lot of time these guys, I ask again please issue my refund on the XXXX card ending in XXXX ( full card number is XXXX ) email confirmation of canceled account : On Wednesday, XX/XX/XXXX XXXX XXXX, Experian XXXX wrote : Experian Membership ID XXXX XXXX Member Sign In " My Name '', see your FICO Score now for free. 
Your Experian IdentityWorks Premium benefits have ended. Knowing where your credit stands can help you make better financial choices and get closer to the things you want. 
How to make the most of your new free account :
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan terms was from XX/XX/XXXX-XX/XX/XXXX. When my account was paid off Im full the loan was reported as closed and dropped my credit score XXXX points
Product: Student loan

XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. '' The above recent court case XXXX XXXX 2016 serves as an addendum to my previous CFPB complaints ; my disputes directly with my servicer ; and through the DOE. As such, letters received after negative payment data was furnished to credit reporting agencies, suggested that the credit history could be fixed if delinquent student loans were brought current. First, that was not true. Second, I did what was required of me to stay current. Third, despite doing that ; they defaulted me and reported negative payment history inconsistent with my activity as if I did nothing. Due to the Government Shutdown, time was wasted, and ultimately my U. S. Senator and the DOE reviewed the issues being disputed. After all that, in full knowledge this servicer made a similar claim of credit repair U. S. Mail as a " carrot '' and redemption as a " stick. '' When I sought clarification about the credit repair they took a helpless position as in the past is not fixable. So that was false, in the sense that negative reporting can somehow magically be overcome with good reporting. Not only was the language in writing presented as clean slate but in my case there was nothing on my part to cause it. So this leaves the student debtor with a deliberately distorted credit report for no reason. The servicer has total control over furnishing truthful credit reporting. In view of the Government Shutdown, any accounting dispute that very month should be consider positive payment history. So this case addresses a number of issues. The one that applies to AES is credit repair-esque language. Though " settlement '' is not the precise word used, in the case of AES communication to me, the notion of future payments equating with credit reporting status is deceptive. One has nothing to do with the other. AES did this in XXXX different ways in XXXX different communications. Once clarified, default was no worse than the damage they already did with false negative reporting that they refused to fix. It was a Catch 22. No matter what I did, the past was etched in stone on up, to XXXX credit reports. The purpose of this complaint is to let AES know that mail fraud is different and beyond this case XXXX XXXX 2016 weblink ; but not mutually exclusive to its legal issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXX {$2500.00} XXXX  XXXX XX/XX/XXXX {$1700.00} 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a call from a company called Portfolio Recovery Associates claiming that my wife had a {$1900.00} debt from XXXX XXXX and they immediately asked how I would like to begin paying it. My wife has never had her own credit card, she uses my credit card, and I have never had any dealings with XXXX XXXX. They actually send me credit card offers consistently but I discard them. They never provided any evidence for this non-existent debt and were clearly trying to extort money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several companies that have been pulling my credit without authorization. I am not using them for anything, so it is not necessary for them to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked   XXXX   XXXX   and there is a hard inquiry from  XXXX  ( Retail, Not Elsewhere Classified ) on  XXXX   XXXX ,   XXXX  . I never authorized a credit check for anybody in the past 2 years. it is showing up on my   XXXX   report
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XX/XX/XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, New York XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted the consumer reporting agency several times regarding fraudulent accounts that I did not open.. According to the fcra all information must be accurate. I have listed the accounts that needs to be removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was unaware of this lawsuit judgement until it appeared on my credit report. I looked up the court case and they stated they served me and described me as XXXX and XXXX pounds. 
I am XXXX and I weigh XXXX. This is unfair debt collection acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX is reporting a XXXX XXXX account that no longer exist.
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. 

Account name : # 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: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to put a Security Freeze on my credit report due to the potential risk of identity theft that I have recently been alerted to, but Experian 's online credit freeze is not working for a week now. The error alert claims I could not be verified, so I needed to send all my confidential information through the mail to them - which seems ridiculous in this time sensitive matter, and simply in this technological age. XXXX and XXXX were able to freeze my account in minutes. However, most interesting is that Experian had no problem verifying me and accepting my information to create a new Experian account to sign up for their XXXX credit locking program. This seems like a suspicious roundabout way to prevent me from using my right to freeze my credit report for free, and instead pay for a {$24.00} a month lock subscription. I would appreciate CFPB investigate why Experian 's online credit freeze feature does not work. I would contact Experian, but no email is provided, and I can't get through to them on the phone.