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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I wanted to reach out and let you know my experience with one of the big three credit checking agencies to ensure I was checking my bases and doing my yearly credit check with Experian. Nothing was off with my credit score, but a few weeks later I receive a charge from Experian on their month membership. I had to put in my credit card information to get my credit score, but it did not tell me it would sign me up for its reoccurring membership of {$25.00} or {$300.00} dollars a year. I called and they granted me a " pass '' this time since they " can not refund membership fees ''. This seems wrong when the FTC advocates for this group as a resource for the American people.

To note, I looked to ensure I would not be signed up or charged when putting in my credit card information. As well, none of the confirmation emails sent to me had any indication that I was signed up as a premium member. Also, when trying to change my membership, there was only one small hyperlink at the bottom of the page that allowed me to do so on the page.

For one of the big three credit report sights, this seems low and scummy to charge when they are required to give us a free report once a year. It feels like prey tactics and if it is common knowledge to use this company then I think that this tactic is unethical and preying on individuals. 


Thank you for your time and hope you can take this to the proper channel to ( This was XX/XX/2021 when I summitted this to the FTC and they pointed me to this agency ) Now today ( XX/XX/2021 ) I get a notice from my place of employment that there was a data breach with my information and it tells me to the go the the Experianidworks.com page to sign up for a year of protection. I put in the same information I did on Experian 's main page, and it will not let me log in. I got through the process of getting my password reset, and the recovery system is not the same of the recovery system I just used on their main site. To me it is making me think that Experian is making it harder to get into their system on purpose so that you will not use the free system provided to you, and I you can not access the Experianworks page on their main site to enter your activation code unless you put in your credit card information.
Product: Money transfer, virtual currency, or money service

My complaint is against cash app. Or square inc . 
On XX/XX/XXXX I was incarcerated. Being pulled over. Because my vehicle was on private property they did not tow it. 
On XX/XX/XXXX my car was broken into and the criminal XXXX XXXX stole my cash app card. He then used it for multiple purchases exhausting my money on the card of {$470.00} I noticed this when I logged back into cash app after being released from jail on the XXXX. I immediately started disputes. Due to the fact that I didn't have my cash card I can not access my email address associated with the account. I also didn't have the phone and number associated with my cash app. It would not let me log in. I have called and emailed cash app several times and each time they go through the whole process until the very end where they tell me they're going to try a one time money transfer between my existing and current accounts. ... They always come back to say due to security reasons we can not grant you access to this account. And when asked why? they say unfortunately we can not provide me with any further details. And that's all that happens. I have tried explaining to them I have tried to prove it to them with different information and they still can't help me out.
Product: Debt collection

I have contacted XXXX XXXX XXXX ( XXXX ) by mail and through CFPB complaints about this alleged debt that is still reporting on my credit report. I have never made accusations about identity theft but this seems to be the route they want to go. I have asked XXXX to provide validation of this debt which they still not to this day provided. The information attached is provided. They are giving the appearance in their response to me they have provided this information when in fact they have not verified. In there in complaint # XXXX they stated they sent an identify theft verification form. No such verification was provided by XXXX. XXXX is still reporting on my credit report which is considered a collection tactic and a violation of the FDCPA and harming my character which is a violation of the FCRA. So I will ask again because I am prepared to take this to the state AG office to provide the following to the CFPB and myself : How has this debt been verified and certified to be accurate under the FDCPA? 
Relationship documents XXXX has with the original creditor. It must contain quitclaim language. ( A STATEMENT IS NOT ENOUGH XXXX MUST BE COMPLIANT )
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone open fraudulent accounts in my name
Product: Credit reporting or other personal consumer reports

Complaint against Equifax XXXX and XXXX and all other parities involved I am writing to dispute inaccurate information on my credit report. I found discrepancies in the following accounts and request an investigation and removal : XXXX / XXXX ( XXXX ) Account : XXXX Dispute : {$0.00} balance but still open. Inactive since XX/XX/XXXX. Please mark as closed. 
XXXX ( XXXX, XXXX, Equifax ) Account : XXXX Dispute : {$0.00} balance, yet still open. XXXX reported high credit. Please close and correct. 
XXXX XXXX  XXXX ( XXXX, XXXX, Equifax ) Account : XXXX Dispute : {$0.00} balance but reported as open. Varying last activity dates. Please close. 
XXXX ( XXXX, XXXX, Equifax ) Account : XXXX Dispute : Reported as closed with no balance, but shows a conflicting XXXX late payment. Please update status. 
XXXX ( Equifax ) Account : XXXX Dispute : Opened XX/XX/XXXX, but last activity listed as XX/XX/XXXX. Reported XXXX  days late despite being a collection account. Please remove. 
XXXX XXXX  ( XXXX, XXXX, Equifax ) Account : XXXX Dispute : Charged off, sold to another lender, but still listed. Please remove. 
XXXX XXXX ( XXXX, XXXX, Equifax ) Account : XXXX Dispute : Charged off, sold to XXXX  XXXX XXXX , yet appears as an open collection/charge-off. Please remove. 
XXXX XXXX XXXX ( XXXX, Equifax ) Account : XXXX Dispute : {$220.00} balance, reported as charge-off. Opened in XX/XX/XXXX, rapid payment status deterioration. Please review and remove. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX, XXXX ) Account : XXXX Dispute : Inconsistent last activity date and payment status. Please remove. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX, Equifax ) Account : XXXX Dispute : Reported as a collection with unclear balance and last activity date. Please remove.
Product: Credit reporting or other personal consumer reports

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CREDIT BUREAU 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: Debt collection

M & T Bank acted more egregiously than impersonating law enforcement : They abused tax payer dollars and send multiple police to my HOME attempting to collect a debt that I had been trying to pay for 4 months. 

In addition, I had informed them that I was out of the country MULTIPLE times, and they had the police harass my tenant anyway. 

I have been attempting to get answers about this abuse for months now, and they NEVER address my concerns. 

Absolutely filthy behavior.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I am a XXXX in Indiana. My client is getting a loan through USAA Bank. He is a veteran. This loan has been dragging on for close to 50 days. Now they need to extend the rate lock but want to charge my client {$9800.00}. It can not be rolled into the loan so it must come out of his pocket. They have not been expedient with this process. What do I do to protect my client????
Product: Credit card

In the course of getting approved for a credit card from Capital One, I reviewed my credit reports and discovered they had conducted a " hard inquiry '' on several of my credit reports multiple times without my express authorization. Fortunately, my XXXX report was frozen and not able to be accessed. However, my XXXX and XXXX reports were not, and now have a total of XXXX hard inquires from Capital One! This is ridiculous, and unnecessarily damages my otherwise excellent credit. I authorized only XXXX inquiry when I applied initially, not XXXX. As a result, while applying for another card I was denied. On the adverse action letter it stated the reason for denials was " too many recent inquiries '' ... unsurprising I suppose considering the damage Capital One recklessly incurred to my credit reports. This denial of my applications has had a tangible and negative effect on me ; I was counting on getting approved. I am hopeful the CFPB can assist me in getting this situation remedied ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are reporting incorrect information on my credit report. The credit bureaus are not sending me any verification of any of these debts belonging to me. I recently just disputed these items listed below, and asked for proof of these accounts belonging to me but have not received any verification of me having any contract with any of these creditors. 

XXXX XXXX XXXX XXXX- {$1500.00} XXXX XXXX/XXXX XXXX- {$1100.00} XXXX/XXXX XXXX XXXX- {$0.00} XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- type debt buyer 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 writing to formally dispute the presence of a fraudulent public record on my credit report, which is currently being reported by your bureau. Despite my submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), this fraudulent public record continues to appear on my credit report. Upon discovering this fraudulent public record, I immediately submitted a dispute to the FTC and provided all relevant documentation to support my claim of identity theft. Despite this, the public record remains on my credit report, causing significant harm to my creditworthiness. 

Bankruptcy XXXX XXXX-dismissed Filed on XX/XX/year>2017 Reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Trident Asset Mgt XXXX a collection company out of Georgia contacted me threatening me with legal action regarding a check that was written by an old employer that I provided to their supplier. I am not the owner of the check, it was a corporate check for my former employer. I have sent XXXX dispute letters to the company, XXXX to a gentleman name " XXXX '' and then a woman name " XXXX '' via fax, and still no response. It has been more than 30 days, almost two months and no resolution. I am not financially reliable for a corporate account, or something my previous employer is responsible for. Please help me rectify this matter.
Product: Credit reporting or other personal consumer reports

Experian is reporting fraudulent addresses on my credit report, which are not mine, I have never lived at this addresses. 

These are the addresses : 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

Lvnv funding is saying they have bought an account from XXXX  XXXX XXXX  that is a charge off account but I have an open account with them that Im currently using. This fraudulent Ive attached my current statement to prove what Im saying to be factual. Also Im waiting for a signed contract showing me and lvnv funding have Busienss, according to the frca they must provide it or delete.
Product: Credit reporting or other personal consumer reports

I saw my credit report and I'm still disappointed with the contents of it. I have expressed multiple times that these accounts are inaccurate and that I have no knowledge regarding any of these. I kindly suggest you to please take a look at the documents regarding this serious matter.
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA.
Product: Credit card or prepaid card

Chase abruptly closed my sapphire credit card account. A week or two earlier they had send me a mail request to up my credit limit which was approved.

I called them to ask why my card was being declined. They said the account was closed and they couldn't tell me anything more other than I would be receiving a letter in the mail in the next week.

In the meanwhile, my credit score has dropped 60 points overnight due to this account closure! I've done nothing wrong and I've attempted to address the situation with Chase but have been met with nothing but XXXX  bureaucratic responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Flagship XXXX XXXX has been adding a collections to my credit report that I have provided proof to not belonging to myself, but belonging to my ex husband. I have not and am not involved with him or his responsibilities and the credit reporting agencies have failed to update my report based on the repetitive reporting from flagship I have a court order also reflecting that.
Product: Mortgage

I have been trying to work with CITI Mortgage for years to save my home. 
Everything they have requested of me I have done. 
I sent in all requested documents and found that the person assigned was no longer with the company. No one could find his files and I have had to start over, over and over. 
They sent me a summons and complaint I answered and their lawyer rejected and wrote in a marker over my submission to the Court on my behalf. 
I tried to talk with CITI and no one knows what is going on in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir/Ma'am : I am an XXXX XXXX in the XXXX stationed at XXXX XXXX XXXX XXXX I purchased an used XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. They also sold me auto service contract and XXXX insurance offered by their partners/associates. XXXX XXXX XXXX declared my car a total-loss in XX/XX/XXXX after I had an accident and paid {$12000.00} to the financing company ( XXXX XXXX XXXX XXXX XXXX XXXX and the remaining was paid by the XXXX insurance. For some reason this financing company either changed its name or has a partner with the name of XXXX XXXX XXXX and transferred my loan them. I tried contacting them several time to get my auto service contract amount that I never used, but they keep passing that to each other and still unsuccessful. Recently, I was trying to apply for a loan, and I found out that my credit report shows an unpaid balance {$3000.00} with XXXX XXXX XXXX. I called every single one of the above mentioned companies to solve this issue as it has ruined my credit, but none of them helped and told me that my account is closed with them.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered XXXX XXXX. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX