23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Prior to XX/XX/2021 the collection account was either increased by a dollar every other month, or decreased by a dollar every other month. Then on XX/XX/2021, the collections account was closed. As I'm following my credit to try and do better, I was notified the minute they closed the account. It is now XX/XX/2021, and the account all of a sudden was opened back up and a dollar was reduced from the amount. However, since their tactics are to to decrease the amount 1 month and increase it the following month, and whatever points ( credit score increase ) I increase or the points I even gained from them reducing the accounts by {$1.00} each, will be zapped away thus hurting my credit even more than what it was hurt when they added the collection to my credit report in the first place.

I also want to add, that one of the accounts was supposedly a car title loan. Only that was a lie, they were unable to put a lien on my car, as I already had a car title loan through another company, which they were aware of. They lied to me and falsely represented the product or line of credit they offered me.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX || Date of inquiry : XX/XX/year>
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 coo 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 resolution requirements under the electric fund transfer Act ( EFTA ) and regulation E. These actions has caused a significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXXXXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXXXX/XX/2022 UNATHORIZED INQUIRY XXXX XXXXXX/XX/2022 UNATHORIZED INQUIRY XXXXXXXX XXXX XXXXXX/XX/2022 UNATHORIZED INQUIRY XXXX XXXXXXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXXXXXX XXXX XXXX UNATHORIZED INQUIRY XXXX XXXX XXXX UNATHORIZED INQUIRY XXXX XX/XX/2022 UNATHORIZED INQUIRY XXXX XXXX XX/XX/2022 UNATHORIZED INQUIRY
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$660.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4600.00} ; Global Lending XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$1300.00} ; XXXXXXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Date of Inquiry : XXXX ; XXXX Mortgage XXXX Date of Inquiry : XXXX
Product: Credit reporting or other personal consumer reports

There are fraudulent collections and inconsistent and inaccurate information on my credit report that needs to be removed immediately XXXX XXXX XXXX for {$170.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  for {$340.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX HARD INQUIRIES AS WELL 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

The credit reporting agency did not remove the inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested from TransUnion to verify with method of verification of an collection account on my credit report from " Fair Collections & Outsourcing XXXX XXXX with letters dated XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. As to this date I have not received from TransUnion any proof that this account is correct, I just receive back a letter stating that the account was verified with no proof of method of verification. I have attached the letters sent to TransUnion.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Wells Fargo regarding a charge of {$1.00} on my card. The representative couldn't tell me why I was being charged the {$1.00}. There was a heated argument between myself and the representative over the charge to my account. The call ended shortly after that, and on the very same day, I discovered that there was a payment to my card that was posted in the amount of {$1500.00}. I never authorized that payment, and a few days later my checking account with my normal bank, XXXX XXXX XXXX XXXX XXXX, didn't have the funds to cover the payment of {$1500.00}, so XXXX  charged me {$32.00}, and Wells Fargo charged me {$27.00}. I went in person to Wells Fargo on XX/XX/XXXX and told them to not attempt to collect the {$1500.00} since I never authorized that payment. On XX/XX/XXXX, they collected the {$1500.00} from the payment that I didn't authorized even though I told them in person and on the phone not to attempt to collect. XXXX  charged me another {$32.00}, {$5.00} for withdrawing money from savings account, and the {$1500.00} from my checking account.

On XX/XX/XXXXI scheduled a payment for {$100.00} on the Wells Fargo card. It doesn't make any sense that I would schedule a payment of {$100.00}, then on the same day schedule another payment for {$1500.00}. I am sure that the Wells Fargo representative that I argued with over the phone was the one that scheduled the payment of {$1500.00}, and I like there to be an investigation into this matter.

Thank you very much and I appreciate any help you can offer.
Product: Credit reporting or other personal consumer reports

My understanding is that FCRA 605B requires the removal of incorrect accounts from my credit report. Could you please examine the documents? There are discrepancies in some of the listed accounts regarding their reporting, including inaccurate amounts and dates.
Product: Debt collection

Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, XXXX XXXX Dear Portfolio Recovery Associates, I am writing to dispute the alleged debt you are attempting to collect from me. I am requesting validation of this debt according to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( d ).

Dispute and Requests : 1. Debt Validation : I hereby dispute the validity of this debt in its entirety. Please provide the following information to validate the debt : * The name of the original creditor.

* The original amount of the debt.

* The date the debt was incurred.

* A copy of the original contract or agreement between me and the original creditor. 

2. Purchase Agreement : If you have acquired this debt from another party, please provide a copy of the purchase agreement between you and the original creditor. 

I have not received any prior communication regarding this debt, and I do not believe I owe the amount you are claiming. I am requesting that you cease all collection efforts, including phone calls, letters, and any negative reporting to credit bureaus. I need all of the aforementioned items. 


Sincerely,
Product: Debt collection

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 Account # XXXX commonwealth financial XXXX common wealth financial, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX  data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). 

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to CORRECT. 

Experian representatives told me that because the delinquent payments were accurately reported that any subsequently initiated deferments would not allow for XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE LATE PAYMENTS : 1 ) XXXX XXXX 2/ XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX ( CLOSED WITHOUT KNOWLEDGE )
Product: Credit reporting or other personal consumer reports

I have sent several certified letters this year and last year in regard to the incorrect, inaccurate reporting of this account. Date sent XX/XX/XXXX and XX/XX/XXXX, the XXXX account has been charged of since XXXX and XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  Account # XXXX, has violated XXXX  15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Credit reporting or other personal consumer reports

The balance on my XXXX credit card is {$24.00}. 

Experian is showing the incorrect balance of {$12000.00} and has not updated the balance since XXXX XX/XX/2024. 

I spoke to XXXX on the phone and they sent the correct balance of the card of {$24.00} to Experian on XXXX XX/XX/2024. The problem is with Experian. 

I tried to open up a dispute with Experian since they have not updated the balance in over 30 days ( XXXX XX/XX/2024 ) The higher incorrect balance of the XXXX card of {$12000.00} on the Experian credit report is SIGNIFICANTLY hurting my credit score by XXXX points lower according to Experian 's own " credit score simulator '' because my credit card balances are reporting to be {$12000.00} higher than they really are. 

My current credit score is XXXX with the incorrect XXXX balance of {$12000.00}. The correct Credit Score should be XXXX with the correct XXXX balance of {$24.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet XXXX/Equifax/XXXX  refuses to update me from being listed as XXXX, XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX/Equifax/XXXX    job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging negatives from my profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Money was stolen from bank account from an unknown merchant in Texas. I called to dispute the claim on the phone, got done with it and they said they would contact me. They denied it saying I did make the purchase but I live in California so that's impossible.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of fraud or a data breach, and I demand verifiable proof bearing my signature or electronic signature.

This dispute is being submitted personally, not through a third party, and requires your immediate attention. I never authorized these accounts or inquiries, and their presence on my credit report constitutes a violation of my consumer rights under : FCRA 605B Blocking of information resulting from identity theft, fraud, or a data breach [ 15 U.S.C. 1681c-2 ].

FCRA 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

Upon contacting the companies involved, I confirmed that these accounts and inquiries were initiated without proper validation or original proof. Since I never authorized them, they are inaccurate and must be removed. Their reporting is the direct result of a data breach or unauthorized disclosure by creditors or third-party data furnishers.

I demand an immediate investigation and correction of these inaccuracies. Failure to act promptly may result in further action on my part.
Product: Debt collection

Received cease and desist letter from them showing they would n't call called this Wednesday made numerous attempts through email to fix problem only response back from them is plz call
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Experian and XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting

Equifax refuses to give me a free credit report. Equifax has never provided me with a free report since the implementation of AnnualCreditReport.com. 
1. From XX/XX/XXXX-XX/XX/XXXX, Equifax refused to provide me with a free copy of my credit report, stating that I did not know what my previous address was. I did not attempt to get a credit report from Equifax again until XX/XX/XXXX. 
2. XX/XX/XXXX, Equifax refused to give me a free credit report because I could not answer a series of false questions and answers. All the questions and all the answers were for accounts that I have never had or authorized. These include XXXX questions about a mortgage-I have never had a mortgage in my life. I attempted the " quiz '' 5 times XX/XX/XXXX and XX/XX/XXXX 
3. I submitted all the hardcopy documentation and forms required by AnnualCreditReport.com and Equifax on XX/XX/XXXX. 
4. I received a letter from Equifax on XX/XX/XXXX, dated XX/XX/XXXX, stating that Equifax refuses to give me a free credit report and that I must pay {$7.00} for a report. The letter also stated that I must re-submit all the documentation I already sent. 
XXXX. The other XXXX credit reporting agencies both provide me with a free annual report and all of their information and authorization questions are correct.
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 have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting

I went to my police station and got a police report just like Equifax told me to do and I sent them a copy and its been over 45 days and they still have not removed the item. The lady on the phone said when I sent her the info it would be gone in four days ; that was 45 days ago. As I have been researching on the internet a lot of people have had to file a complaint with this consumer financial protection bureau. Can you please look into this for me?
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, and on XX/XX/2023 I attempted to correct my personal information on my credit report. With my address & name, due to incorrect spellings of my name and addresses I do not live at and that do not belong to me. I have tried to get this fixed multiple times but I had no luck with the bureaus
Product: Credit reporting or other personal consumer reports

I disputed this account with Experian and it was deleted from my credit report and now its back on my credit report this is an fraudulent account due to identity theft and I proved my case it was deleted and now they are saying they put it back which they can not do once item has been removed this is against the fair reporting credit act and must be removed immediately
Product: Debt collection

I am contacting you to request the immediate deletion and removal of the accounts and information listed below from my consumer report. It is evident that these accounts and information should not be included in my consumer report, as their presence constitutes a direct violation of both the FDCPA and FCRA. I insist on their prompt deletion and removal from my consumer report to rectify this violation of multiple laws. Kindly take immediate action to remove these accounts and information without delay.