23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 SECTION 602 states l have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I am making a notice to this credit card that the charges were run up to nearly {$6000.00} by my husband to spite me as I am going through a divorce and overall difficult time. I had to move back with my parents and I simply can't make the necessary payments. I request that the authorized user come off if he has not already. If there is a reasonable settlement that can be offered, please call me at the posted phone number and I will give you my divorce attorney 's contact information. Thank you. XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX, posted a trade line on credit reporting agencies for a debt not owed to CASHNET. XXXX XXXX XXXX, XXXX, did not send a letter to dispute this debt. This is a zombie debt not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Final update regarding the following complaints : XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | On XX/XX/2021, the Financial Non-Depository Examiner from the Office of the Commissioner of Financial Regulation in the Maryland Department of Labor confirmed that I do NOT owe the deficiency balance reported by XXXX XXXX, XXXX. The deficiency balance reported by XXXX XXXX XXXX XXXX is disallowed under the power vested to the Commissioner by Md. Code, Com. 12-1021 ( j ) ( 3 ) [ 2021 ].

I demand that the credit bureaus retroactively scrub any and all negative data from my credit reports and deny any additional negative reporting regarding this case. 

Lastly, I am concerned that the CFPB is seemingly a mere soundboard about as effective as a crowd-sourced review website. This process took far too long despite the irrefutable evidence I presented. If I didn't possess advanced legal knowledge as someone who sat for the bar exam during this ordeal, I am not sure I would have been treated fairly in the end. I am seriously worried that laypersons are extremely vulnerable to unfair credit reporting practices with very few resources available offering sufficient recourses. How many people had claims similar to this that were meritious but were only recorded and not resolved because agencies and credit bureaus took the word of the creditor over the debtor even when the debtor was unfairly treated? Here, the creditor only had to create documents to support their defense - of course, it will be biased - so, why accept them for their face value? A deficiency balance is not valid simply because the creditor says so. I hope Congress and state legislatures use this case as an example to strengthen consumer protections and to improve the efficiency of this federal bureau. 

Thank you. 

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

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to file a formal complaint regarding my unresolved issue with Citi Bank, which has negatively impacted my credit and financial stability. 

In XXXX, I fully paid off my Best Buy Citi credit card balance and requested a pay and delete letter to confirm the account was settled and removed from my credit report. Despite my request, Citi Bank never provided the requested letter. Shortly after making the payment, I received a collection letter from a third-party company, claiming I still owed a debt to Citi Bank XXXX Confused and concerned, I called Citi Bank immediately to address the situation and confirm my payment. They acknowledged my payment but again failed to provide written confirmation or documentation resolving the issue. 

The account remained on my credit report until XXXX, causing ongoing damage to my credit profile. When I reached out to Citi Bank again earlier this year, they only sent an email confirming the account closure but still did not provide the requested formal documentation. 

The lack of proper communication, follow-up, and accurate reporting on Citi Banks part has caused significant inconvenience and frustration. I request CFPBs assistance in ensuring Citi Bank provides the necessary documentation and investigates the mishandling of this situation, including their failure to follow through with the agreed pay and delete process and the erroneous collection notice I received. 

Thank you for your attention to this matter.
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 39 2K financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

Initially reported company to CFPB XX/XX/2019. Company assured that they would correction their error of reporting that I was 30 days late. Company did NOT correct report but yet reported me as now being 90 days late. This has caused me not to be able to send my son to college this semester because his student loan was denied because of the false reporting. Im out of {$7500.00}. This is beyond stressful and illegal
Product: Debt collection

This company, MEDICAL DATA SYSTEMS INC was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.
Product: Credit reporting or other personal consumer reports

Update account for all XXXX bureaus with the correct address, cards on file to reflect current score. Any old addresses that does not reflect my address. Any hard inquiries
Product: Credit reporting

This is a long store, it started back in XXXX with a XXXX, the plaintiff decided he did n't like my insurance companies offer and took me to court. His car was a flood vehicle with XXXX miles on it and when it went to court, the judge awarded him {$1000.00} for his trouble ( NJ XXXX had offered him more but he did n't want that ). This little ding went into public records even though the insurance company paid it immediately. It was n't discovered until 6 months later when I pulled my credit rating which was in the high XXXX, low XXXX and found that Equifax had dropped my score over XXXX pts. I sent them evidence ( scanned payment from NJ XXXX XXXX and they would not accept it. It was n't until I hired an attorney and got the attorney from NJ XXXX involved that Equifax accepted the documentation. They would not correct my score, only stated that it would stay on my report until XXXX. Since I used to have a stellar rating I assumed that it would correct itself in time. That has not been the case. I have purchased multiple " XXXX Score and Rating '' reports from XXXX, Equifax , etc and every time, Equifax neglects to provide any information. When I contact them they state that my credit companies ( XXXX XXXX, XXXX, etc. ) must not be transmitting the data. I 've been to XXXX XXXX, etc. and they indicate the contrary stating they report monthly and always have. This back and forth only got this way after I had hired an attorney. It has now been almost 4 years and I still cant get the information I 've paid for nor the correct information. 
The incident numbers below are over several years, as I have been trying to resolve this for that long. I also hired an attorney to look into the issue and after his communications, they lowered my score. 
XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - XXXX XXXX - XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A FRAUDULENT ACCOUNT. I WAS A VICTIM OF IDENTITY THEFT! I HAVE ENCLOSED MY FTC AND POLICE REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. 

THIS IS NOY MY CREDIT CARD ACCOUNT! XXXX XXXX JUST DELELETED TWO INQURIES OFF MY CREDIT REPORT FOR FRAUD. I HAVE MADE SEVERAL POLICE REPORTS WITH THIS MATTER AND MANY MORE. I HAVE NOT BEEN ANY INFORMATION AS PROOF OF THIS MATTER THAT IS IS ACCTUALLY ME. NO DRIVERS LICENSE NO CONTRACT WITH MY SIGNATURE ON IT NO COPY OF MY SSN CARD. I WOULD GREATLY APPRECIATE A RESOLVE IN THIS MATTER, AND THIS BE REMOVED FROM MY CREDIT REPORT. MY SOICAL SECURITY NUMBER WAS USED IN THIS MATTER.
Product: Payday loan, title loan, or personal loan

Hi, I used a Self Credit Builder Loan to build my credit report. The Self.Inc company claimed that the product was a bank-held Certificate of Deposit and I'll get back money after pay-off the loan. I opened a Self Builder Account on XX/XX/XXXX and then paid-off the loan on XX/XX/XXXX. According to Self company terms, They'll send back my loan totaling {$1600.00} to my bank account but since then they blocked my account and never pay me back. I've been trying to contact them for two months and they are just going around but never intend to pay back my money.
Product: Credit reporting or other personal consumer reports

XXXX  allows 3rd party agencies to continue reporting unfair debt practices to my credit file that are error and obsolete. I have not gotten any verified information that that have used to verify that the debt belong to me. 
There are several accounts I have disputed and they refuse to mail me the verified information. 

XXXX Account information # XXXX Closed acct Date open XX/XX/year> Acct type charge off {$730.00}
Product: Credit reporting or other personal consumer reports

I contacted Experian because they have been for so long now not reporting my accurate credit score. Now that my student loans have been updated and my balances have been removed from my credit report. My score is not increasing and they are refusing to increase my score. my credit score right now is inaccurate And they are refusing to modify the credit vantage score to its potential score and I told them that I will be making this report because I feel that they are depriving me of my credit worthiness. My credit score has been down in the dumps for the last few years now and its not reporting what it should be reporting my credit score with XXXX and others are reporting accurately. Experian is not reporting my credit score accurately and I feel that they are affecting my livelihood And this is ridiculous and they need to be dealt with. They are not cooperating nor are they willing to listen and hear to what the consumer is saying so please help me through this obstacle I would greatly appreciate it. Youre talking over {$30000.00} that has been removed from my credit report. Why hasnt my score updated and theyre giving me some placebo reasoning why it has not updated. These companies are using this credit score updating system as a control tactic and its starting to make me sick. I mean, I had a balance of over {$36000.00} reporting in student loans that is now showing at XXXX dollars. Why are they refusing to update the vantage scoring system so that I can have the livelihood I deserve I dont understand this. This is really unfair treatment. Experian needs a wake up call because they have been doing this for several years now and they need to be dealt with no other credit. Reporting bureau is doing this. They are the only ones that are not updating consumers, credit report accurately, and this is unfair and inhumane treatment Again systematic racism so I have also included this complaint to the XXXX so that they will know that this is happening with Experian as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard credit inquiry from Bank of the West on my XXXX and XXXX  credit reports and I never signed anything authorizing them to run my credit. 

I am seeking the removal of the inquiries from both credit bureaus.
Product: Vehicle loan or lease

I have used car Gateway One Lending & Finance company. Account number XXXX. And I am strangle with spelling my last name spelling and address. Calling again and again trying update my last name and address. Please help me update my last and fierst name and address. Thanks. XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Investigation and Correction of Inaccurate Late Payments on Account # XXXX Dear CFPB, I am writing to dispute inaccurate late payment information reported on my credit report for the above-referenced account, held with XXXX XXXX. Upon reviewing my credit report from Experian, I identified discrepancies in the reporting of late payments for XXXX, XXXX, and XX/XX/XXXX. These late payments do not align with my payment history. To the best of my knowledge and records, I have consistently paid this account on time. 
Account Information Account Number : XXXX High Balance : {$390.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : -- Account Status : Closed Payment Status : Late 90 Days Two-Year Payment History : Late payments reported for XXXX, XXXX, and XX/XX/XXXX. 
Request for Investigation Pursuant to the Fair Credit Reporting Act ( FCRA ), I kindly request : A detailed investigation into the inaccuracies in the reporting of late payments for XXXX, XXXX, and XX/XX/XXXX. 
Documentation or proof supporting the claim of late payments, including specific dates, amounts, and any relevant communication. 
A description of the investigation process followed, as required under 15 USC 1681i ( a ) ( 7 ), within 15 days of receiving this dispute. 
If no valid proof of late payments is provided, I demand that my credit report be updated to reflect the accurate status of " Paid As Agreed Never Late. '' Thank you for your attention to this matter. I look forward to your response within 30 days. Attached is a copy of my credit report for reference. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted an ftc report today since I am still seeing credit inquiries on my credit report that are not supposed to be there. 

See attached ftc reference number and copy of report.
Product: Debt collection

I have sent two notices requesting verification of debt. I sent a request on XX/XX/2020 and another on XX/XX/2020 and have yet to receive actual statements. They leave messages on my cell phone and work office that they are from a legal team and someone will be coming to my home and place of work to serve me with papers and possibly arrest me. Its been several months and no one has come. The call at various hours starting at XXXX XXXX  and stopping sometimes as late as XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of {$XXXX}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. 

XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Chime has been nothing but stressful since the day I started with them. Its so many different situations thats happened over the years I cant even keep count. Im completely fed up and my XXXX, and stress levels are so high. Never get any real answers even if I send proof. I cant take it anymore please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted a dispute to remove IC Systems from my credit reports. It was removed, however, it is showing back up today on my transunion report. The original creditor, XXXX, had removed it previously due to this being an account my ex wife opened without my knowledge and consent, but then it went to collections and reappeared on my reports. I need this removed as it has already been removed by the bureaus and is reappearing once again. I feel it is a matter of time before it shows up on the other 2 bureaus.
Product: Checking or savings account

Someone stole my identity my phone and went into my XXXX XXXX and changed my pay election and put it to fake account that was made in my name. Then I told them before the money was gone and by time they responded days later if now. And they did the next pay check as well to same banks XXXX XXXX XXXXXXXX and they having knowledge of the identity theft and still refusing to pay me
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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

There are several inquiries on my credit report from same day are within days of each other from companies I never gave my information to. I have contacted XXXX and I am waiting for a reply. Equifax would not give me an option to dispute the inquiries but I did lock my credit report. With XXXX XXXX also I could never get to an inquiry dispute because all they want you to do is give them money to access your report. My credit is good I never miss payments and I believe companies are giving my information to other companies without my permission and my score continues to drop for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX sent me a letter denying any inaccuracies that they are furnishing to the credit reporting agencies XX/XX/XXXX I sent them a letter pointing out the errors as blatant proof since they denied any inaccuracies XX/XX/XXXX XXXX XXXX received my letter XX/XX/XXXX I received results from experian claiming they have updated this account. mind you absolutely no valid reporting fields were updated. false results XX/XX/XXXX I pulled my updated consumer reported with experian and XXXX XX/XX/XXXX and I saw that XXXX XXXX recently reported to both agencies on the same day XX/XX/XXXX. they also reported XXXX different XXXX deliquecy dates maniupulating the federal time frame for his account to be removed. experian says on record until XX/XX/XXXX putting the date of XXXX deliquency date XX/XX/XXXX and XXXX reports the date of first deliquency XX/XX/XXXX XXXX how can they report on the same day but with different information. there is only XXXX date of first deliquency date. I also took upon myself to pull a trimerege consumer report with smart credit XX/XX/XXXX and noticed XXXX also let portfolio report XX/XX/XXXX and they have updated the date of last activity to XX/XX/XXXX also. wouldn't that be re-aging this account? I pointed out all the inaccuracies and inconsistencies that porfiolio recovery has done to my consumer report and I am tired of them not complying under laws. they are violating my right to privacy, they are bring unfair by doing improper proceedures to correct this account. I have already put them on notice and I want this account deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MANY INQUIRES ANS APPLICATIONS ON MY CREDIT PROFILE THAT I DID NOT AUTHORIZE OR GIVE ANY ONE CONSENT TO USE MY SOCIAL SECURITY NUMBER THESE INQUIRES ARE FRAUDULENT ON MY CREDIT PROFILE
Product: Debt collection

COLLECTIONS {$1500.00} Reported balance Check if you should dispute. You can remove an incorrect collection with a dispute. It only takes a few taps and can help your score. 
CKS PRIME INVESTMENT {$1500.00} Needs attention HIGH IMPACT
Product: Mortgage

I have a string of emails about this.

The Loan Application people needed a huge list of documents, and had very particular specifications for what counted as a 'document '. I worked through all of that mess to deliver everything I could. They also needed a signed copy of the Loan Deferment I received from
Discover Home Loans ( the same company I was applying for a refinance with ) during COVID. That paperwork does not exist, but I didn't know that at the time, I just knew I did not have it.

I talked to several people several times in an attempt to get this info, and I have received several letters and emails about the 'ongoing ' process. One such email stated that the signed agreement does not exist.

But meanwhile, the Loan Application folks canceled and closed my application for 'failure to provide documentation '.