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

I have contacted Equifax to let know that these accounts are not mines XXXX XXXX XXXX accounts are not mine and don't belong to me. I am noticing that there is personal information that is incorrect on my credit report and I have asked them to remove the wrong personal information of my credit report as of XX/XX/XXXX it has not been done. At this point if the CFPB can't help me I will be filing for Litigation and taking further legal actions as I have filed police reports, FTC reports and sent in other fraudulent evidence legal documents and there has been no action taken especially. 15 U.S Code 1681 c-2 A Consumer agency shall block the reporting of any information in the file of a consumer that the consumer identifies infuriation that results from an alleged identity theft not later than 4 business days after the date of receipt. I have reached out multiple times and the credit bureaus are now in VIOLATION because I am a victim of identity theft and I am claiming fraudulent accounts were open in my name without my CONSENT. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. CODE 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer reporting unless the following circumstances and no there. ( XXXX ) In Accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agony WRITTEN CONSENT torpor anything on my consumer report which violates my rights as a federal protected consume. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I as requesting that Equifax Issue me a {$2000.00} Check to my Address XXXX XXXX XXXX XXXX XXXX, Tx XXXX within XXXX working days or I will File for Litigation because I have evidence from them that states that the XXXX Neighborhood Accounts were deleted from my credit reports when they were not. 

Account # XXXX XXXX opened on XX/XX/XXXX balance as of XX/XX/XXXX {$35000.00} Account # XXXX XXXX opened on XX/XX/XXXX balance as of XX/XX/XXXX {$35000.00} The following Inquires are Fraudulent on my Equifax Report as well XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX Factual Data XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX 

I am advising Equifax to take this matter very serious as I am not Playing around anymore with them I will be hiring an Attorney in XXXX days if nothing is not done.
Product: Credit card or prepaid card

On XX/XX/2023 THD/CBNA lowered your credit limit. 
THD/CBNA lowered your Credit Limit to {$5000.00}. 

Source : XXXX Company : THD/CBNA Address : XXXX XXXX XXXX, XXXX XXXX , SD XXXX Phone : ( XXXX ) XXXX Activity : Revolving Charge Accounta Previous Limit : {$5500.00} New Limit : {$5000.00} I found this on the XXXX site. I tried to call the number to inquire as to why my credit limit was decreased. The intended use of the card is for special projects. There is no justification, no letter, as to why my limit was increased. 

Resolution : My credit limit should be re-established to the original {$5500.00} limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  is violating the C.A.R.E.S ACT by reporting late payments during the pandemic. I have reached out to them and the bureaus and nothing has happened.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I mailed Experian a letter detailing mutliple inaccuracies contained in my Experian Credit File. The following account is listed below XXXX XXXX XXXX Account # XXXX Here are the following inaccuracies : 1. This vehicle was sold at auction XX/XX/XXXX, so how is it that I am being reported 90 day late from XX/XX/XXXX-XX/XX/XXXX, XXXX is not reporting this nformation. 
2. This report has failed to list the date that this was account closed. 
3. This report has failed to list the date of last activity. 
4. How is the account is listed as OK in XX/XX/XXXX but reported as 90 late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I provided them a copy of my FICO 3 bureau credit report will indicating the above mentioned errors. 

Experian didnt even take the 30 days to investigate with the company. All the company did was use the information that I provided and make the same changes. Its like I did the investigation for them.

1. Experian is still reporting a balance on a charged off account.

2. Experian is not reporting a date of last activity.

3. It does not list the date the account was closed.
Product: Credit card or prepaid card

After my credit card expired with CitiBank last year ( XX/XX/2022 ), the credit card company has refused to send me a replacement card. I have contact Citi 's customer service team and have spoke with a client account specialist. The client account specialist have asked me for verification. I provided the information. The client account specialist still refused to assist me with help to obtain a replacement card and told me that Citi would use a third party to skip trace locating where I actually live in order to send me a confirmation letter just to request a replacement card to an expired credit card account.

Citibank is deliberately attempting to sabotage my credit account with the Company and refuses to issue me a new card after repeatedly for several months. I will not pay the bank another dime until they have issued me a replacement card. I have made payments on time and have not been delinquent and as a card holder I should not be denied any request to receive a replacement credit card for an active account.
Product: Money transfer, virtual currency, or money service

I am filling 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 effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution requirements under the Electronic Fund Transfer Act EFTA and regulation E. These actions have caused significant inconvenience and financial loss, and seek I appropriate redress for these violations
Product: Checking or savings account

XXXX has two active promotional events in the market. With two deposits, they will pay a {$250.00} credits as a bonus. At the same time, one term is advertised with the required activity to keep the {$1000.00} dollar in the account while the other one doesn't. I opened my account with them using the link and terms that DON'T require a {$1000.00} parking. However, after I completed the required tasks, XXXX refused to pay the {$250.00} credits. They stated that I signed up the account using a different link. When I asked for the proof regarding the two circulating sign-up bonus campaigns and the proof that I used the wrong link, they failed to provided detailed information and still refused to pay the {$250.00} credits.
Product: Student loan

I 've been paying off my Chase student loans for quite sometime now. And last year, I was able to consolidate my loans into XXXX and so I paid off the Chase student loan. I had some of over payments that were due to be refunded to me. I refund check was issued and sent to me by email but I did not see this mail until just recently. At this point the check ( {$320.00} ) is void. For some reason I can not get a hold of anybody at Chase to even talk to about this issue. They did n't hesitate taking money from me but now that they have to pay something back it 's very difficult to even get a hold of anybody. Any help to resolve this issue will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX : {$6300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6300.00}
Product: Debt collection

On XX/XX/2022 I sent Credit Acceptance Corp. a debt validation letter in which it was ignored. This is my second attempt at getting this debt validated and each and every question needs to be answered or this account need to be close and removed from my credit reports immediately. This not my name on this account, and I would like Credit Acceptance to cease and desist immediately from calling my phone number of XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I noticed that my credit report contained incorrect accounts, and I have no idea how they ended up there. I check my report regularly, but this time, there were unexplained discrepancies. Thinking it might be a glitch, I refreshed my browser, but the errors did not disappear. Because of this issue, I request a thorough review of the documents I have submitted to ensure this problem is permanently resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion did not investigate an account on my credit profile for XXXX XXXX XXXX, XXXX, and XXXX
Product: Checking or savings account

on XXXX i found out some of the overdraft protection fee charging from my account first is XX/XX/XXXX XXXX dollars and other happen in XX/XX/XXXX another XXXXdollars charging from my checking account and another XXXX dollars overdraft protection fee i talk to the bank i said my saving account have enough money to cover also how come still need to charge that kind of fees i said long time ago i want to close my account your associate told me they won't charge any withdraw fee if i still have direct deposit it should be no problem but now they lie to me keep charging.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX XXXX XXXX Account # : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 
I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems reporting fraud account from XXXX # XXXX {$870.00} that does not belong to me and was a result of fraud from XXXX XXXX debit card transactions and needs to be removed from credit file and request chexsystems mail me a new updated correct Report
Product: Debt collection

When I received the initial call, I asked the agent to stop calling me as I have no debt with the debtor XXXX XXXX ). After that, I received a call from a very deep voiced gentleman. He asked me my name and when I said yes, he hung up on me. He called back at least XXXX more times that particular day. Since then, I get multiple calls from this number and another number starting with XXXX. Most of them I allow to go to voicemail. I already know he 's going to hang up when I answer. I feel as though I am being harassed and I want it to stop.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 60 days 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 XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

Then below CLOSED personal loans do not accurately show account info such as original loan amount, monthly payment & more importantly, payment history for correct timeframe My credit factors states I have new accounts because these old accounts payment history is inaccurate/ommitted XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/22 On XX/XX/22 a XXXX XXXX XXXX and XX/XX/2XXXX XXXX XXXX were reported as an inquiry to my credit report. So, I filed a police report to report this inquiry to Transunion and XXXX. XXXX removed this inquiry but Transunion refuse to remove it. I contacted Transunion around XXXX to see why they are not removing the inquiry. They said in order to remove the inquiry XXXX must filed an FTC report in order to remove the inquiry. As XXXX went by, I contact a Customer Service on XX/XX/22 about the XXXX XXXX XXXXXXXX inquiry. They told me they haven't received it even though which was confusing, but the ladies will file an investigation on what happen to the letter, so they are telling me they are waiting on my FTC report. So, I sent another FTC form that same day and I have a receipt to prove that I sent it and the post office say they should receive it on XX/XX/22. I contacted Transunion today XX/XX/22 about any updates and they told me they received the FTC form on XX/XX/22 and they say it was declined because it didn't have a date on it. Now the last time I call the rep say they didn't have it and now they had it since XX/XX/XXXX and was declined because of no date which is false because it is a date on the form. So, I'm becoming impatience and ask to speak to the supervisor, and she is saying now I need to get a letter or Form from XXXX XXXX XXXXXXXX that I have to send to Transunion now to move forward. I knew something was up and the Supervisor will not remove my inquiry. I contact them again and I told the rep you are telling me you can not removes this inquiry but according to Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed. The Customer Service do not want to answer and kept saying the supervisor said we can't remove this inquiry. So, when I told him can you please answer my question yes or no, he hangs up the phone. The Transunion customer service reps did not want to help solve my issue just to only give me the run around by adding more things in order to remove my inquiry. I want to file a complaint.
Product: Credit reporting or other personal consumer reports

Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me XXXXXXXX.
Product: Vehicle loan or lease

I have an auto loan charge off on my credit report from Ford Motor Credit ( Account XXXX ). The car was turned in in 2019 at the beginning of the year. They did accredit the resell of the vehicle to my account, yet since a few months ago I have noticed that they have reactivated the debt to making it new again. I am not sure if this is done for them to keep it on my report longer, or what. I have tried disputing with the Credit bureaus in XXXX and XXXX on the XXXX and XXXX respectfully. This did not lead to any correction which was concerning. I even reached out to Form on XX/XX/XXXX about this and my credit. I explained how them reactivating the debt was causing massive harm and they weren't allowed to but I ran into a wall with their company. They said they did not have the debt and it was out of their hands. Yet when I look at my credit report, which I have from XXXX, it shows they do in fact have the item. 

I have attached a few pages from XXXX which shows that the account has been reactivated and that they continuously add debt to it as well. From what I have read regarding the Fair credit reporting act and fair debt collection practice act, this does not seem like they are allowed to do it. I did not want to conduct this complaint which is why I called Ford and disputed it with the credit bureaus. This got me nowhere, I feel I am up against goliaths and just trying to do what is right.
Product: Debt collection

I missed a single payment, during the pandemic in XXXX. I made this payment back, their incomplete computer system did not mark it as much, and negatively affected my credit score after marking my account as delinquent. This happened again, in XXXX. I missed a single payment, and since, their computer system has marked my account with an excessive amount of passed due days, more than what is accurate. Their system also did not recognize payments that I made, even with receipts of the payment. I have spoken to multiple supervisors about this, with no resolution. 

I had to submit a support ticket, and call in myself, as a customer, to check on the status of their system bug. I am still 'in delinquency ' and the amount they are trying to collect is Double the real amount that I owe. I have no idea when this problem will be fixed, or if the XXXX points i lost on my Credit will come back any time soon. I can't refinance this loan with a worse score now. Awful, I feel trapped with a company that has nothing but bugs in their system. Not in my control, not my fault, shouldn't get hurt because of it. 

They hang up on me when I call, I have to call multiple times. I have never had such a horrible time with a borrower. They have negatively affected my Credit, over small issues that are not within my control. They can not operate as a business if their systems in place are broken. 

They have a XXXX XXXX with the XXXX  Put them out of business. These loans were previously with XXXX XXXX, and we all saw how they dropped Student Loans after so much bad press. This company is worse than XXXX.
Product: Credit reporting or other personal consumer reports

I am trying to use my everify to complete a background check for a prospective employer and of the ALL the information being used to properly verify my identity is incorrect and never belonged to me. I have filed a identity theft report ( see attached ) and have tried several times to contact Equifax via phone and through their website and have not been successful. My everify told me verbatim to contact Equifax as they are the verifiers of my personal information. I need help ASAP as this fraud is Interfering with me gaining employment and taking care of myself financially. This is a huge burden and is effecting all aspects of my life. They are in violation of the FRCA for furnishing false and inaccurate information.
Product: Checking or savings account

Hello, I received XXXX emails on XXXX different dates notifying me an account was made using my personal information. TD bank was successful and sent me a debit card in the mail to my address. While XXXX XXXX was unsuccessful due to them not having enough information to successfully create an account. Ive only used 1 bank for the past 7 years. I dont need any new ones. I reached out to both banks fraud department and there is now a pending investigation for both. I was told to reach out to the federal trade commission for future occurrences.
Product: Debt collection

This was a parking ticket with XXXX  XXXX University originally. All Tickets were paid in full. 

I was deducted {$30.00} from my account in XX/XX/2019 from my bank account without my permission this was not authorized by me and without me knowing. I would like that returned to me. 

Todd Bremer & Law XXXX Merchant Address XXXX SC XXXX In addition, they have sent me this letter attached saying that I owe an additional {$30.00} which is not true.
Product: Debt collection

Ive noticed several accounts on my credit report that were added without my permission. Please act quickly to remove and block these fraudulent entries.
Product: Money transfer, virtual currency, or money service

I am filing a compliant 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.