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

I have been requesting for the past few months that the account be appropriately reported on my credit report by the XXXX credit reporting agencies and XXXX XXXX  account XXXX the credit card company. My credit report has erroneous information from all XXXX  credit reporting organizations. and the results of each inquiry I request are consistently accurate and validated. In actuality, though, my credit record shows that it is blank with one agency and a collection on another that is OK with another. As a protected consumer, I demand that my credit report 's accuracy be fixed. It is making me less worthy of credit. 

The Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ) became effective on XX/XX/year>. The FCRA is designed to regulate the consumer reporting industry ; to place disclosure obligations on users of consumer reports ; and to ensure fair, timely, and accurate reporting of credit information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, XXXX consistently responds within XXXX hours, stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Further, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) - ( B ), as highlighted in the XXXXXXXX XXXX  recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

I disputed my payment history with child support ( texas OAG ) with experian, and they fixed my payment history no problem, and changed all my past payment history to " paid, never late ''. I submitted the same information and proof to both XXXX XXXX and equifax and it has yet to be changed. Both are showing XXXX late payments over the course of XXXX years. My child support comes DIRECTLY out of my Social Security Disability and is paid directly to child support - WHICH MAKES IT IMPOSSIBLE TO BE LATE. Also, the dates that they are saying that I was late, I actually had primary custody and I wasn't even suppose to be paying child support. Attached are even correspondence with me and my lawyer back during that time and discussing what Child Support ( Texas OAG ) should have fixed back then. I was actually owed child support. I need ALL 3 of my consumer reports to read the exact same thing as my experian report does. To read " Paid, Never Late '' for any and every payment concerning that account. 

Office of Attorney General XXXX " Open Never Late '' Furthermore, the fact that child support is even on my credit report is illegal concerning consumer law. It violates 15 usc 1681b - permissible purposes. 
I have not nor have I ever given Child Support or Texas OAG permission to furnish anything on my credit report. Child support payments aren't an extension of credit nor are they are credit transactions. 

2. It also violates 15 usc 1681a ( 2 ) ( i ) - under the Exclusions sub paragraph. Items on the consumer report should not include individual transactions or experiences. 

So if they are going to list this on my consumer report illegally, then it should atleast be reported correctly. If this can not be done, then legal actions will have to be taken due to each XXXX and Equifax knowingly violating consumer laws concerning reporting.
Product: Credit card or prepaid card

I received a debit card from US Bank for unemployment benefits. I never applied for XXXX   and I activated the card thinking it was a stimulus card. I want the card deactivated,
Product: Credit card

I paid off complete balance on my Juniper credit card and then they added {$77.00} worth of fees after I paid. This was not a balance transfer which they claim.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) To conduct the reasonable re investigation of a disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. the Consumer Financial Protection Bureau has recently found a lawsuit against experiencing, election systematic issues such as failing to forward consumer provided evidence to furniture accepting unreliable responses, failing to adequately notify consumers of dispute outcomes. These failures aligned with my experience, where Experian has neither corrected nor removed Disputed items despite the evidence I provided, caused an ongoing harm to my credit standing that I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action violates federal law rights as a consumer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Back in XXXX 2017 I decided to try and get into a payment plan to pay a certain amount of principle on top of interest. My loan servicer is Nelnet. I really had n't made any payments to this point but I have a good job now and wanted to start paying it down with the hopes of one day not owing. Nelnet at the time told me that I was in a " Income based repayment plan '' but I owed so much in back interest that I had to pay that off first which amounted to roughly around {$15000.00} on top of my regular principle and interest payment. So they stuck me in another IBRP but the interest was not rolled in and my payment did n't pay off any of the principle I just would have to pay and keep re-certifying with the hope that after 25 years my loan would be forgiven and that on top of that interest {$14.00} was accruing per day compounded daily. So I really had no hope of ever paying anything off. But I then found out I could capitalize the interest accrued and the principle combining it into one sum that the principle and interest payment at 6.375 % would only be {$30.00} more a month. I asked why this was n't mentioned to me earlier but I said OK combine them and I would like one P & I payment to commence immediately. The individual did that but instructed me that I had to go into forbearance for 60 days that it was required by law. So I said OK and my first payment showed due XX/XX/XXXX back in XXXX 2017. So when I went to schedule my first payment they showed I was backlogged another {$1400.00} in interest which was also accruing {$14.00} per day compounded daily. So with waiting to pay i 'm further down the rabbit hole AGAIN with interest before I can pay principle. The whole purpose was to have a payment that included principle and interest and I was willing to pay extra to pay it off earlier and I feel I was mislead on this immensely. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion, XXXX, and XXXX several times via phone online, and by mail, on many occasions in regards to inquiries that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look like I have been begging for credit and I have not. I am trying to purchase a home and it makes it difficult when theyre checking credit and I have inquiries from places I didnt inquire credit from. I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. The following inquiries that were not authorized are the following : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. XXXX XXXX XXXX is reporting inaccurate information on my Experian and XXXX report. Experian is reporting payment history for only 13 months and the rest is unavailable history. XXXX is reporting no history at all. They also are reporting to different names on my credit report. Experian is showing XXXX XXXX XXXX and XXXX is just reporting as XXXX. That extends the statute of limitations and it's a misrepresentation of my credit reports worthiness. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Sincerely XXXX XXXX
Product: Prepaid card

My account has an unauthorized charge of {$30.00}. On Wednesday, XX/XX/XXXX, I told cash app about this unauthorized charge, and they assured me it was only a temporary hold. 

Now, they refuse to process my claim and deny my disputes. It took nearly a month to get a reason, which is now that I authorized this claim. 

This is not the truth. I did not authorize this claim or allow anyone else to. I do not understand why cash app has been unwilling to work with me, and am searching for ligation. 

I have had reps hang up in my face, become unresponsive, and close complaints. Nothing about this process was organized or streamlined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX XXXXXXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have several inquiries on my credit report that do not belong to me XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : JPMCB CARD XXXX
Product: Money transfer, virtual currency, or money service

I was collecting money at the office to send flowers for a coworker. ( XXXX ) The money was sent to me from different people via PayPal . Upon my request, PayPal transferred the first {$99.00} to my bank account. Another {$99.00} came in. PayPal transferred {$30.00} to my bank account. When I asked them why the remaining {$69.00} was not showing as a balance on my PayPal account so I could initiate the transfer to my bank, I was told it was because I had placed an order for flowers using the credit card attached to my PayPal account. PayPal said they were holding the cash to apply the balance of the cash in my account to the flower order. I don't know why because the flower order was on the credit card issued by XXXX, not PayPal, and the contributions were sent to me in cash. I don't see anything about this practice on their website nor did I get a message when I placed the flowers order that PayPal would place a hold on the cash. The credit card attached to my PayPal account is with XXXX, not PayPal so payments to the credit card have nothing to do with PayPal. I immediately cancelled the flowers order so PayPal could release the cash. When I talked to PayPal, they said it would take a couple of days. When I log into my PayPal account it still shows a {$0.00} cash balance while showing a hold for authorization on the flowers order. The flowers order was placed on XX/XX/XXXX and cancelled within the XXXX says the order was also cancelled on XX/XX/XXXX. Yet, as of today, it's been 17 days and PayPal is still holding my cash for a credit card it did not issue to me for a cancelled order.
Product: Credit reporting or other personal consumer reports

Credit Collection Services Attention : XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Cease and Desist Communication Regarding Account # XXXX Dear Credit Collection Services, This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I request you immediately cease all communication with me regarding the alleged debt associated with Account # XXXX. 

You are hereby instructed not to contact me via phone, email, postal mail, or any other form of communication. Additionally, you are prohibited from contacting any third parties regarding this matter. All further communication must be limited to written correspondence confirming that you have ceased collection efforts or that you intend to take specific legal action. 

Failure to comply with this request will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office for violations of the FDCPA. 

I reserve all rights under state and federal law, including the right to take legal action if necessary. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX All Rights Reserved Without Prejudice
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud theft and in results I have the following items of information that needs attention and to be removed I have not authorized or belong to me, Addresses : 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 or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Someone used my social security and identity to open these accounts. It was not me due to the fact that Ive been XXXX  for the past 26 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report to the other two credit company saying there a police report saying my address is fraud which i never had done. 

i upload documents of my passport, my rental ledger which shows my address and how much rent owe and my credit card statement which shows my address.
Product: Credit card or prepaid card

Back in XXXX I was in need of a graphics card but every I looked they were either too expensive due to scalpers or sold out. After hours of searching I stumbled across a website called XXXX  and they had what I was looking for at a price point that was too good to be true. The lowest you could find it for was about {$2000.00} but they were selling it for {$1400.00}. I got extremely excited and made the purchase through PayPal. Then minutes after doing some research I read reviews stating that this website is a scam. I tried calling the number provided but the number was fraudulent, I even tried emailing the company but received an email stating that the email provided was not real, there was even an address on the website and after searching the address it comes up as an abandoned building it appears. This person has even provided PayPal with a fraudulent tracking number. And when you thoroughly look at the tracking number you can some discrepancies. And when I mad the purchase I was also not charged for taxes or shipping which I find weird. Ive contacted PayPal numerous times and they have not done a thorough investigation.
Product: Credit card

Comenity Bank has been harassing me for the past few months. They call at inconvenient times and call about 10 times a day regarding two cards- Express and XXXX XXXX XXXX. They have left threatening voice mails and even contacted someone they believe I know and left a voicemail, which totally violated my privacy. 
As previously stated, they call at least 10 times a day between the hours of XXXX XXXX XXXX XXXX XXXX I have emailed them to let them know that they are calling at inconvenient times and they continue to do so ; and I am in the process of disputing the charges.
Product: Mortgage

Hi, I received another loss mitigation packet yesterday in the mail. 

I've already filled one and send it to you, I have no idea why you have sent me another one, secondly in the new Loss Mitigation packet, you have mentioned that I owe {$36000.00} to XXXX. 

Well, you need to waive all the legal fee, Interest charges, late fee and inspection fee which you have put up illegally. 

I called the customer service so many times, and asked to speak with XXXX, but to no avail, they said that they will ask XXXX to give me a call, they have also scheduled call with XXXX, but I haven't received a single call from XXXX.