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

I've filed disputes with Experian, XXXX and XXXX about a XXXX credit card on my credit file. This account should not be reporting on my credit with XXXX, XXXX or Experian. The credit bureaus have not done a thorough investigation because if so the account would be removed already. This account was sold in 2020 and I had to pay taxes on this sold account I received info from the IRS which includes this account. This is my last time reaching before I contact Fair Credit Act attorney. I've been patient the last update to my credit file was back in XXXX. Why is this account still reporting please remove this account immediately.
Product: Credit reporting or other personal consumer reports

Credit beraus have in my credit report acount, information of my XXXX XXXX They are confusing me with him and are putting all this debts, auto loan, XXXXollectors and child support that do not belong to me. I open disputes and what they only fixed was my name and social security number and adress. But they just updated my personal information and did not changed the other inaccurate information. They closed the disputes saying that my account information was accurate. I been trying to dispute their decisions back again and they are just supposedly reinvestigating. One of the accounts have been closed because it was paid off by its owner so I cant reopen a dispute for it. So its basically staying in my credit report record and its affecting it. Im trying to finance a truck and I cant due to this error. Its showing financial institutions that i have a bad credit and debts when i do not and my credit is incorrect. I personally dont have any debts i just finish paying my truck with no late payments. I also sended a letter with copies and proof of identity of my social security, Id and birth certificate and i havent received an answer or a solution. I want them to double check on the information and for them to make sure on the name and social security number of the accounts. See my proof of identity to know that im not the owner of this accounts. Delete all inaccurate information, debts, collectors, auto loan, child support that do not belong to me. Fix my Credit report and score as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all this things that are showing on my report belong to my XXXX XXXX and are not mine. I want them deleted from my credit report as soon as possible. Only accounts that do belong to me are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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

List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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: 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 Trust Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute XXXX  inquiries listed on my credit report. Upon reviewing my credit history, I have identified XXXX  inquiries that I believe are inaccurate and unjustified. I kindly request that you investigate these inquiries and promptly remove them from my credit report. 

Below are the details of the disputed inquiries : XXXX. XXXX Date : XXXX Creditor : XXXX XXXX XXXX XXXX. Inquiry Date : XXXX Creditor : XXXX XXXX  XXXX XXXX. Inquiry Date : XXXX Creditor : XXXX XXXX I would like to emphasize that these inquiries were not authorized by me, nor do they represent any legitimate applications for credit. As a responsible consumer, I am vigilant about monitoring my credit activity, and these inquiries do not align with any actions I have taken. 

Furthermore, the presence of these inquiries negatively impacts my credit score and overall financial standing. As you may know, excessive inquiries can signal to potential lenders that I am actively seeking credit, which may not be the case. Therefore, it is imperative that these inaccurate inquiries are promptly removed to ensure the integrity and accuracy of my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting that you conduct a thorough investigation into these disputed inquiries. Please provide me with the results of your investigation and take the necessary steps to remove any inquiries that can not be verified as legitimate. 

I appreciate your attention to this matter and your prompt action in resolving this dispute. Please inform me of the status of my request within the timeframe stipulated by the FCRA. 

Thank you for your cooperation
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX XXXX XXXX Acct # XXXX ) has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX. On XX/XX/2022 I despatched a letter regarding an accurate and unknown things on my credit file to this present day over 45 days later I have now not received a reaction yet. I sense like Im being taken benefit of and being neglected. Section 611 ( a ), It states that a failure to research those items inside 30 days offers a motive to right now put off the ones objects from my credit document its been over forty five days so that they must be deleted right away. I call for that those bills be deleted immediately or I will report for litigation due to the stress you have precipitated me. My facts become also impacted by using the XXXX information breach and can are becoming into arms of the wrong character.
Product: Credit card or prepaid card

XX/XX/2018  XXXX XXXX (CHASE customer service person on the phone help line)  advises my interest rate is increasing 150% - and although I tried to "opt out" of the increase, I was advised that the period to opt out has expired.  I received NO prior notice of an increase and CHASE said I couldn't opt out.In retaliation - I have cancelled my CHASE FREEDOM credit card and expect to pay off the card as oer the original terms of our agreement - despite CHASE advising they are increasing my interest rate 150%.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts appear on my credit report, and I have no idea why they are there. I check my report regularly, but this time, these discrepancies came out of nowhere. I even refreshed the page, hoping it was just a glitch, but nothing changed. The inaccuracies stayed. I'm now asking for a thorough review of the documents I've provided so that I can finally stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft I disputed with a police report and nothing was done
Product: Credit reporting or other personal consumer reports

Equifax is reporting false information regarding a XXXX  credit card. This is fraud.
Product: Credit reporting or other personal consumer reports

Experian refuses to remove XXXX outdated addresses instead continuously note per their investigation results have been updated. Ive called and submitted electronically request and every single time the addresses remains on my profile. Got the past XXXX years I update my consumer statement my identity was stolen and freeze my credit. I recently received a check from an XXXX XXXX address I lived at years ago. XXXX XXXX address I moved from XXXX years ago went into forclosure currently owned by a new family. The XXXX address I moved from XXXX years ago. Finally the XXXX address I moved from XXXX years ago. And still on my credit report. I explained to numerous live agents the XXXX addresses are outdated and inaccurately reporting on my profile. Im still receiving mail from XXXX of the previous addresses and now every tenant or owner has my unique name. Ive been subjected to several privacy breaches and had my identity stolen several times. For the past year and a half Ive reached out to Experian to remove the outdated addresses but for some odd reason them removed the other addresses but fight me each turn to remain the final XXXX above addresses. This error effects my credit, impact credit worthiness, and I suspect tied to XXXX accounts they refuse to remove although the accounts are closed well over XXXX years ago. The other complaints are XXXX XXXX closed over XXXX years ago, never late, was not a result of credit, its not a loan, its closed, its not a collection, it shouldve never been reported on my profile. The open date XXXX is incorrect opened in 2012, the monthly amount is inaccurate also, and per the 15.U.S.Code1681 ( b ) b protected me from this sort of violation. Has nothing to do with my credit plus this civil family matter is over XXXX XXXX XXXX and has negatively impacted my work, credit, and personal life. XXXX XXXX XXXX is well over XXXX XXXX XXXX yet Experian refuses to remove it mark it as new account recently then removed the language so for a decade plus my scores has suffered because I have a sold closed account with a {$0.00} balance and a high balance simultaneously reflected on my account. Its under investigation with them again for the umpteen time but I never received proof or logical or legal fair credit reporting action or proof how they keep updating my credit report. XXXX XXXX XXXX and XXXX XXXX XXXX is over XXXX XXXX XXXX no reason to not remove them. Instead updates to keep reporting child support until XXXX. Thanks for your timely resolution.
Product: Credit card

Discover let me open an account on XXXX, XXXX XXXX They closed my account XX/XX/year> and I am still paying for their decision. I was never late! My status on my report even says that. When I called them after I found out that same week, the agent couldn't even find out the reason by her supervisor on why they closed my account. I want my retribution.
Product: Debt collection

I contacted Avant on XXXX XXXX asking if I could make my payment on XXXX XXXX because I incidentally made two payments one month which put me ahead in terms of paying them. They replied back saying, Thank you for your email and we apologize for any trouble. We have received your request and have forwarded it to the appropriate channel. If you have any questions in the meantime, do n't hesitate to reply to this email or give us a call at XXXX. We appreciate your patience while we work to resolve this! On XXXX XXXX I noticed on my bank statement that they withdrew the XXXX even though I asked to numerous time if the double payment could suffice for the XXXX XXXX payment and my regular payments resume on XXXX XXXX. I noticed when I checked my contract that they did indeed accept my double payment but as yet have did nothing in terms of resolving this issue of the double payment. Please see the attached correspondence written to the creditor requesting clarification. Please note that the original loan was taken out XXXX 2015 in the amount of {$1300.00}. Since that time, I have paid to the credit the amount of {$990.00}. Please note that this loan still carries a balance of almost {$1300.00}. Which is ridiculous considering that I have paid all but XXXX of the original loan amount of XXXX. Their lending was deceptive and the interest and fees are simply legalized loan sharking and preys on individuals that need to seek out alternative lending options.
Product: Credit card

I was out of the country almost 3 years. I just returned back receive a email a couple months ago but did not realize what was going on until XX/XX/year> when I started to read what the email I got from XXXX XXXX XXXX on XX/XX/year> stated some of my information gotten out so I started to investigate what was going on and see, XXXX accounts was open in my name an i see 34 hard inquiries in my name an I start to contact the credit bureaus to dispute. fraudulent item XXXX XXXX XXXX XXXX was not helpful to resolve. This matter XXXX and XXXX is investigated in it. I do not know what going to be the outcomes of it my next option is to file a civil lawsuit against these three credit bureaus because they are responsible to protect my identity. I put a freeze on my account and alert any inquiries that come in they must contact me none of these company never contacted me and XXXX XXXX XXXX, and XXXX, help these fraudulent people to create an account they must be hold accountable for their actions I have called XXXX bank many times about this Home Depot credit card. Ask them information about it. I submitted at dispute on here three times Citibank refuse. to call or give explanation or give information about this account I will have to take legal action against Citibank for fraud if it has been coming to this
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process regarding items on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, my Priceline credit card was charged {$700.00} from a balance check sent to me through the mail. However, I did not do this transaction. I called Priceline multiple times and filed a fraud claim. After a few weeks, the result arrived, and one representative of Priceline told me that this transaction was valid because according to their investigation, I transferred this {$700.00} to my other account on my XXXX XXXX XXXX XXXX. They also told me to call XXXXXXXX XXXX to check the transactions so, I tried contacting XXXX XXXX to look for this transaction however, the bank did not find any transaction for this amount in my personal checking and savings account.

Priceline provided me with the check number and the payee 's name but XXXX XXXX still couldn't find this Transaction. Priceline approved this transaction even though I did not sign any cash check. I will upload my bank statement from XXXX XXXX during XXXX and XXXX to prove that I did not cash any Priceline check from my account. And I will also include the Priceline fraud investigation report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid a collection with XXXX XXXX. havley is the collection company that has the collection listed. The payment was make to the original creditors XXXX XXXX. Havley was informed of this and ask to verify I co tacted them 30 days later because the information had not been removed. They stated that they only update o XXXX a month around the XXXX of the month 45 days and a week after they said they do their updates the information is still incorrect
Product: Checking or savings account

Called to inform Citizens Bank, that I had not applied for a checking account with them. I do not bank with them currently, and I had just received an email stating that an application had been submitted, and declined. I gave them the XXXX XXXX XXXX XXXX, to the representative, and wanted to be sure my credit had not been effected or reviewed, and that I did not attempt to open an account with them. They took the information, and were submitting a fraud investigation, and stated that I should receive a coy of the fraud file results within a month or so.
Product: Mortgage

Back in XXXX I was going through a refinance with nations lending and had informed them on my divorce and I had asked them what I should do about the payments coming due on my mortgage and they had informed me not to make them due to closing at the end on XXXX. The process continued and they was wanting more and more information and they asked about the child support worksheet for the divorce that wasn't final at the time and added to my debt to income and denied me of the refinance leaving me 2 months behind on my mortgage. I've tried calling to speak to a supervisor and nobody would answer or return my calls. I expressed my concerns with the loan officer and they pretty much told me it was my issue from that point forward. I'm currently struggling on figuring out a way to get my mortgage caught up so I don't lose my house and it has negatively impacted my credit score as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting twice on all three of my credit reports. I have since paid the card that i had off and it is a part of the problem with me getting my children into a home I need these derogatory marks removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have had section 8 housing for almost 6 years, was living at XXXX XXXX XXXX XXXX XXXX az for almost 6 years, I'm XXXX and had no ac and broken window for 5months so found a new place called XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX. I paid XXXX for deposit and half months rent of about XXXX XXXX. And XXXX of 2023 section 8 was to take over and I was told by XXXX that my section 8 was good and they were also going to cover my utilities. So there was NEVER a lapse in housing. The middle of XXXX I received a text from XXXX saying I " don't fit in and if I didn't leave he would ruin my credit ''. I was confused and moved out so there would be no issues and now section 8 is refusing me housing and XXXX XXXX from XXXX holding put fraudent charges on my credit making it hard to find a new place to live.I also saw the apartments XXXX XXXX XXXX on XXXX were bought under my XXXX children 's information, and my children are missing. I am currently homeless due to these actions.also dealing with harassment from one of his tenants XXXX.
Product: Checking or savings account

Account was going negative. I had insufficient funds. I had checks that couldnt get returned to employers.
Product: Money transfer, virtual currency, or money service

I have had a Venmo account for XXXX years. Just a few months ago my account was frozen and they asked to provide proper documentation. I provided all documentation and ID, my account was reopened. 
This morning, my account was frozen again. They asked me for the same identification. I have almost {$2000.00} in my account and use this to pay my rent. They are telling me XXXX business days. 
No help at all, beyond ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than XXXX business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. I have attached my FTC Report and Police Report which I filed on my local Police Department as proof that I am an identity theft victim. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They are not upholding the FCRA ( Fair Credit reporting Act ) they are causing me stress and hardship! Using my information for profit without my consent! 
They are not following the guidelines and protocols. They are defaming my character. 
Needless to say they have violated me all over. I provided all the proper documentation to my case. I sent in cease and desist letters and everything!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX paid XXXX in full for removal. XXXX has removed it XXXX has removed equifax has not it has been disputed many of many times in 2022. Equifax has not looked into dispute because it would have been removed
Product: Mortgage

Well Fargo allowed me to take on a mortgage without having any insurance. I purchased a condo in NJ. The XXXX  only covered the exterior of the property. I didnt know this at the time. However, a renter set the place on fire and this is when I learned I was uninsured. How could they let me take out this loan without making sure I was insured. They did absolutely nothing to help me. I had a mortgage and no way to pay for these damages.