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

I was checking my consumer report and I saw a bunch of credits inquiries I didnt realize. 




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

Experian claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX and multiple others. This is a follow up so that they can finish removing the rest of the items Over the last 5 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these all of the listed inquires be removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

We switched banks, so we had to change the checking account that the automatic payment was made from. We requested the form from Aspire and then submitted it with the new information. Aspire cancelled our current payment ( even though we did n't request a cancellation ) prior to setting up the new payment so 1 monthly payment was missed. They then cancelled out interest rate reduction that we had for making our first payments on time back in XXXX or XXXX because of this missed payment which was their own fault that the payment was missed.
Product: Credit reporting or other personal consumer reports

Got a copy of my credit report there was items that were not mine. I am the victim of identity theft
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting and Mishandled Disputes To : XXXX and Consumer Financial Protection Bureau To Whom it may Concern, I am writing to formally file a complaint regarding XXXX 's inaccurate reporting of three accounts on my credit report and their mishandling of my disputes concerning these inaccuracies. Despite my repeated efforts to resolve these issues through the dispute process, XXXX has verified the accounts without conducting proper investigations as required under the Fair Credit Reporting Act ( FCRA ). 

Specifically, my concerns include : 1. Failure to Conduct Reasonable Reinvestigations : XXXX has repeatedly failed to adequately investigate my disputes, often marking them as " verified '' without proper evidence or analysis. 


2. Inadequate Communication : XXXX has not provided clear or accurate explanations of the results of their investigations, leaving me uncertain about the status of my disputes.

3. Violation of FCRA Guidelines : XXXX 's actions contradict their obligation to ensure maximum possible accuracy and to conduct thorough reinvestigations as mandated under FCRA sections 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ).

I have attached the details of the three accounts in question for your review and resolution. 

XXXX XXXX  # XXXX - Violation of 15 USC 1666b and 1681-s2 XXXX XXXX XXXXXXXX XXXX XXXX - Violation of 15 USC 1666b and 1681- s2 XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Violation of 15 USC 1666b and 1681 -s2 I respectfully request that XXXX : 1. Conduct a thorough and impartial reinvestigation of the accounts listed.

2. Provide a detailed explanation of their findings, including any evidence used to verify the disputed accounts. 


3. Remove any inaccurate information that can not be verified. 



If these issues are not resolved promptly, I will pursue further action to protect my rights under federal law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$370000.00}
Product: Credit card or prepaid card

I have a Bank of America Credit Card with a balance of {$2500.00} and a monthly payment of {$89.00}. I have had to call 4 times in the past 4 months because of higher interest fees being charged. 
For example, I have been making at least two payments each month which equals to more than twice of my payment. In XX/XX/2023 I made a payment of {$250.00}, then another payment of {$100.00}, both in the same month. When I received my statement the {$250.00} payment was not acknowledged, I had to call and then I was told by the clerk that yes, he is seeing the payment but he thinks the previous clerk made a mistake and he would correct it, then in XX/XX/2023, I made a {$100.00} on the XXXX and on the XXXX I made another {$100.00} payment, yet I checked my account today and was charged {$63.00} in interest. 

I had to call again, the first clerk that responded to my call indicated to that she does not know why I was charged interest for 2 months when I paid over the above required payment and that the payments were made on time and before the due date. She then said that she could not refunded me the extra interest charge immediately but will contact a supervisor. The Supervisor came on the phone after 25 minutes and said to me that as long as I do not pay the loan in full, they will continue to charge me the high interest even if I am paying more than the required amount and on time. 
I explained to her ( XXXX ) that I was frustrated that I was being taken advantage of and was going to contact your office.
Product: Student loan

I would like to submit a complaint regarding my student loan from Wells Fargo. I have been paying off this loan since XXXX. I pay from {$200.00} to {$300.00} a month towards this loan. My last payment was {$200.00}, of which none of that money went towards the principal balance, only towards the interest. I find it ridiculous that I am basically paying for all this interest, while the principal balance remains untouched. When I took this loan in XXXX, the original balance was {$17000.00}. After making payments for 4 years, my current principal balance is {$15000.00}, only a XXXX dollar difference. After making these monthly payments only to see a minimal dent in the principal balance is disheartening, to say the least.
Product: Money transfer, virtual currency, or money service

Coinbase Listed XXXX last week XXXX so The Whole Week & Weekend Was A Mess if you Were A Buyer Of XXXX on Coinbase .Today after 15 emails they Responded with a computer program email .I am Out est - $ XXXX From The Time Of Buying, I can't go back and figure the cost out because the numbers have a changed ..I went from {$7200.00} on the XXXX and XXXX on the XXXX The Balance was {$710.00} .So To Be Truthful I don't know the True Math Or Numbers .All Because they Forgot A Zero ( 0 ) when they Listed XXXX .Showing I XXXX not XXXX and, XXXX not XXXX and XXXX not XXXXThey Forgot the Zero ( 0 ) .I went to XXXX to verify the numbers of all the sites selling XXXX and Coinbase was missing a Zero ( 0 ) .I tried to message Coinbase with No Luck of Getting My Balance Back .Now I'm here hoping for some help .Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

Personal Statement PLEASE REMOVE AND DELETE ALL FALSE AND INACCURATE INFORMATION FROM MY CREDIT FILE IMMEDIATELY BECAUSE OF 15 USC 1681 S -2 ( A ) & ( B ) 15 USC 1681 ( 5 ) ( A ) & ( i ) ( ii ) AND 15 USC 1681 ( E ) B ) WHENEVER A CONSUMER REPORTING AGENCY PREPARES A REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM RELATES.
Product: Credit card or prepaid card

I applied online and was pre-approved for a Victoria Secret card in XX/XX/2023. I received a letter that asked for verification of identity and residency. I emailed and faxed all of the following : front & back of my ID, front & back of my Social Security card, my bank statement, and an utility bill to verify address. The letter from Comenity Bank did not provide a mailing address or a contact number. This seemed strange and/or unprofessional. I went into the local store, and was told to give it some time for processing. The lady said she did not want to have me complete another application and pull my credit againas this would cause 2 inquiries on my credit. 

To date, I have not received a card nor any correspondence to state what happened with the pre-approval. However, there is an inquiry on my credit and my credit score has dropped since there isnt an account attached!
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : ACC XXXX - Disputing Information in Credit Report Dear XXXX XXXX XXXX I am writing to dispute the information XXXX XXXX has supplied to XXXX  XXXX Equifax and XXXX  in XX/XX/2020. 

Please provide me with supporting documentation showing how my account was 60 days late in one report and 30 on the others otherwise update this late payment to be paid as agreed.

Enclosed are copies of relevant supporting documents to back up my request. Please reinvestigate this matter and contact the national credit bureaus to correct the disputed item ( s ) as soon as possible.
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 proce 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 XXXX ) financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

My XXXX account has been blocked by TRUIST bank since XX/XX/year> and they wont tell me why or lift the restriction. All money transfers I have done are law abiding and legit so I dont understand why my account is restricted.
Product: Credit reporting or other personal consumer reports

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Product: Debt collection

This collection of debt is not mine. I do not have any knowledge of this debt owed.
Product: Credit reporting or other personal consumer reports

I am currently fighting identity theft and fraud resulting from that. These companies are refusing to block information and provide the process used to verify the information from the creditors. They are also refusing to provide the information that they received from these creditors so called proving that they certified that this information is accurate. I called and asked for this information and was told that they do not have to verify that the company has the appropriate information, they can just take the word of the company that the information has been certified as accurate. They are also refusing to remove inaccurate information resulting from fraud in my personal profile which is a fraudulent address that I have provided information for over 10 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1691a ( e ), " The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. '' Pursuant to 15 USC 1691a ( f ), " The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. '' Pursuant to the federally protected consumer laws listed above, I, XXXX XXXX XXXX, natural person and consumer, is the ORIGINAL CREDITOR for all extensions of credit created against my UNITED STATES trust account.

This is also proven pursuant to 15 USC 1602 ( l ), " The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Notice congress stated " ANY CARD '' and as such, Nelnet used my social security card, a credit card as defined by congress, to extend my credit to me, the ORIGINAL CREDITOR. This violation is identity theft and fraud.

Pursuant to 15 USC 1681a ( 2 ) ( B ), " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar device ;, should be excluded from a consumer report '' and as such, Nelnet is in violation of this code as the extension of credit originated from my social security card/credit card is being furnished to all of the consumer reporting agencies. This is also identity theft.

In addition, Pursuant to 15 USC 1681b ( 2 ), " In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT give Nelnet written instructions to furnish my information to anyone. This is also identity theft.
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. 

Account Name XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Checking or savings account

I opened account with XXXX bank a few weeks ago and right after I deposited all my money into my account, XXXX has restricted my account for a few weeks, so I can not withdraw money for daily use, and I need money for food. They only have in-app chat, no phone support available. The representative in the chat told me that there is no timeline on when they unlock restriction on my account and left the chat. 
I don't think it is legal, and I can not live without food without withdrawing money from my account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : BANK OF XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX -- -INQUIRIES -XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted various complaints regarding LVNV LLC an erroneous item on my consumer report. I would like to point out a few violations that both LVNV and XXXX  and XXXX has violated. First after disputing the alleged debt documents was received that show that my personal identifying information was shared with third parties which is identity theft per 12 CFR 1022.3h as written consent was not given to none of the aforementioned Corporations. In addition as mentioned before the debt collector violation 15 USC 1692c ( a ) when they communicated with the consumer with consent. However to close this out and to point out the violations of XXXX  and XXXX they are as follows.

Per 15 US Code 1681a ( 2 ) ( B ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; is to be excluded from your credit report. 

Per the FCRA 15 USC 1681b ( a ) ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is my written instructions to remove the erroneous LVNV LLC account from the credit report and credit file.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have sent certified copies of my identity theft report via certified mail. I kindly request confirmation that the intended recipient has received it. Additionally, it has come to my attention that it has been XXXX months since I last accessed an up-to-date consumer report online. Following the submission of a certified letter, I find myself completely locked out of my account. This situation has left me feeling targeted and possibly subjected to discrimination. I kindly ask for your assistance in resolving this matter promptly. 

Furthermore, I am disputing fraudulent accounts, inaccurate information, and inquiries present on my consumer report. As a victim of identity theft, I did not authorize the opening of these accounts, nor did I agree to their terms and conditions. In accordance with FTC and federal law, I request the removal of all fraudulent accounts, information, and inquiries outlined in the attached form from my consumer report. I also request the correction of any related finance charges and inaccuracies within my account. Furthermore, I request that you cease reporting this inaccurate information to all nationwide credit reporting agencies to which it has been provided. 

Your prompt attention to this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX have 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute the inaccuracies on my credit report with XXXX several times and have disputed the information. I receive correspondence saying account for XXXX for example was verified however I never received a copy of a HIPPA letter showing my signature. I have also disputed with XXXX for the inaccuracies and incorrect information on my report showing open on closed accounts which is not under FCRA compliance. This is inaccurate and needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent TransUnion proof that Disputed-XXXX  XXXX is not on my credit report with XXXX. I have also sent them copies from XXXX XXXX saying that they would credit my account for these charges which they never did. I called Transunion today XX/XX/24 and was told they can only report what is provided to them from the creditor. That the creditor does not tell them to remove it then they can't. So it seems CFPB and the credit reporting agents only work for the creditor not the consumer. If you helped and worked for the consumer then when the consumer provided you documents from the company stating they would credit the acct. Which would have a XXXX balance on the account and the acct would have never been closed. Someone needs to hold the companies reasonable for when they fail to do what they say they going to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have correspondence from XXXX XXXX that states that they have contacted TransUnion to remove the late payments from my credit report. After not getting an update I called TransUnion and they advised me to mail a copy of the letter from XXXX XXXX. I mailed the info on XX/XX/2021, and again on XX/XX/2021, after calling TransUnion again they advised me that they have nothing from me in regards to the matter.