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

this company is reporting to all three credit bureaus ( XXXX XXXX XXXX XXXX  ) on my consumer credit report that a debt is owed to them. I have not received any communication regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation os fair Debt Collection Practices Act Section 809. Their negligence has caused me distress and is hampering my ability to obtain credit.
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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. 
XXXX XXXX XXXX XXXX! 
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 or other personal consumer reports

I had an extended fraud alert on my credit report with all three bureaus. I was able to successfully remove from tranunion online and XXXX via phone. I had to submit a bunch of supplemental documentation for XXXX  but they eventually removed it from their report as well. A few days after the removal, tranunion initated and placed another extended fraud alert on my credit report. This prompted the other XXXX bureaus to readd the fraud alert onto my credit report. I went through the same process again and removed all three. A few days later, another fraud alert was initiated on all three reports without my consent or any documentation requesting it be added on my behalf. Frustrated, I called experian who informed me that they were able to see that tranunion was the bureau that reinitated the fraud alert. The XXXX  representative provided me with the confirmation code that transunion provided to them when they initiated the fraud alert ( XXXX ). Transunion keeps initiating fraud alerts on my credit report AFTER Ive submitted requests and have the fraud alert removed from my credit report. They initiate the extended fraud alert without my consent and without me submitting additional documentation to them. I can not get and keep the fraud alerts removed d/t Transunion reinstating of them.
Product: Credit card or prepaid card

Have been trying to make a payment on my account since XXXX. Tried to make the payment online but my bank account had been unlinked. Try to link it again and kept receiving an error message. Had the same problem when I tried to make a payment in XXXX and had the same issue. Called customer service and tried to make the payment with them and it still did not work. The customer service rep documented that we could not make the payment. However it was still reported late on XXXX the XXXX. It was then reported late again on XX/XX/XXXX even though it wasnt 30 days.
Product: Checking or savings account

Ive been charged multiple fees and also an account closure due to late withdrawal
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 a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
( XXXX XXXX XXXX XXXX XX/XX/year>2016 )
Product: Credit reporting

I have XXXX accounts on my credit report that are a mixed file or fraud. bankrupcy legal team and XXXX
Product: Debt collection

Capital accounts placed something on my name that is not mine the date of birth and ss is not mine nor my address. Filed it with the credit bureau and they removed it cause it's clearly not me. They keep calling me and sending me letter 's and I've already placed a depute with them directly which was over 30 days but they keep trying to collect from me and it's not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called ( and spent hours on hold ) to get in touch with all three credit agencies.

All three of them are incorrectly reporting my credit usage ratio. They show a much lower line of credit ( almost {$60000.00} ) than what I have. Consequently, the balance that I have on my credit cards is showing in the 33+ % range, whereas it should be under 20 %. Consequently, my FICO score is much lower than it should be.

I have called each bureau several times to try to correct this. Invariably, they point the finger at my credit card companies and say they " must not be sending in your credit report ''. I've called every one of my credit card companies and confirmed that they are sending credit reports on a monthly basis.

I have been trying to get this corrected for months, only to see no change in their erroneous reports.

MyFicoReport today said I should contact you. I hope you can help because I want to refinance my home while the rates are low, and I want my FICO score to accurately report my status.
Product: Credit reporting, credit repair services, or other personal consumer reports

The insurance claims adjuster working my case documented the event as if it was in an accident. There was debris that fell from a truck and hit my car. Therefore, there was nothing that I could do to avoid that.
Product: Credit card or prepaid card

i have been a cuistomer here a good one for years 2 accounts. no problems til now on XXXX  i treated family and a friend to outback in XXXX XXXX out of XXXX got sick from XXXX XXXX. i did call restaurant although i was travelling and busy. no response. this bank has the audacity to tell me i consumed the food and thus have no recourse. how riidiculous is this. how would i know it would be bad? i have never heard such an excuse before and i have been victim of XXXX XXXX before. 
i want my money back i did call restaurant and email the company no response. i expect 40 out of 53 refunded asap how dare you. this is my jet blue card. in their answers they tell me dispute is closed. any other bank would have fought it and or refunded me. I will not let this go and know its wrong. I am being punished for us getting sick and i wont allow it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following lender is violating my consumer rights by reporting inaccurate account information. I am requesting Validation ( Not Verifiaction ) of the following account : Account name : XXXX XXXX Account number : XXXX. This company has repeatedly reported a payment history every month for 12 months on a charged off account. The balance history of this account should have a status of " NO DATA ''. This account has affected my credit score due to the violation. Finally ; it is falsely manipulating the legal Statute of Limitations and misleading potential new lenders.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I'm complaining because this account is not accurate. The year and the date opened is not accurate. This account was opened in 2012, and the month is wrong. 
This account is not reporting with accuracy.
Product: Checking or savings account

My name is XXXX XXXX XXXX my problem is with chime banking in regards to an account that they closed out for no underline reason of my fault, in a nut shell this is what has happened I used my card for a XXXX dollar seven day free trial from the companies of XXXX XXXXXXXX and XXXX in XXXX of XXXX I did not authorize any other transactions from them but they chose to take money from my account for 14 transactions of {$23.00} from XXXX which four were refunded and this company is/was trying to refund the other transactions for the total amount of XXXX conformation number is XXXX. And for the company XXXX there was a total amount of 28 transactions taken off my account for {$28.00} per transaction they refunded eight transactions and is trying to refund the rest of the 20 transactions of {$28.00} times 20. The two account numbers are for the first account is XXXX conformation number is XXXX and the second account number is XXXX with the conformation number being XXXX. I also had refunds coming to the account from XXXX for {$59.00} transaction number XXXX. So back to what happened to this point in XXXX of XXXX I was incarcerated ( which I proved where and who I am to chime and these companies ) but I was locked up from XXXX of XXXX until XXXX of XXXX at this time I regained access to my account and realized what was happening and reported it to chime at that point they stopped my card and issued a temporary card. This stopped the companies from refunding the money. I then called chime again and let them know they were trying to send the refunds. Chime then allowed some refunds and stopped the rest. I put in a rebuttal they again refused. And shut down my account stopping me from accessing my account and any thing pertaining to it dates transaction history and the money that was in my account. Which cost me more money. And time aggravation. These transactions were unauthorized and adds up to be a lot of money that I acquired. These companies can not refund the money until chime allows it. Because it is linked to that account. At first I just wanted the money that is mine back but now that I have had to spend more money and time because of there lack of business ethics and laziness I wish to push back and harder to prevent this from happening to any one else and for my time money and aggravation. What they are doing is wrong and robbery. I was locked out of my account money held and done wrong for someone elses wrong doings. Please help me resolve this matter and stop it from happening to anyone else... if any information is needed I can be contacted at XXXX thank you and please help the last four numbers of my ss # is XXXX born in XX/XX/XXXX again ty
Product: Money transfer, virtual currency, or money service

Coinbase changed original purchased items and manually changed historical data
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine, nor are the names & addresses listed on file, nor did I authorize these companies to pull my credit. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.XXXX XXXX is a fraudulent account
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint regarding the handling of my account by Cash App, specifically related to the issuance of a 1099 form that I received, which I believe was sent in error or without proper authorization. 

On XX/XX/year>, I received a 1099 form from Cash App. Concerned about its accuracy and the circumstances under which it was issued, I reached out to Cash App via email ( see attached correspondence ) requesting clarification and resolution. Despite my efforts, the response I received did not address my concerns adequately. 

My specific issues are as follows : Unauthorized or Inaccurate 1099 : I did not anticipate receiving this form based on my usage, and I believe it may have been issued erroneously.

Inadequate Response : Although I contacted Cash App for clarification, their reply failed to resolve my concerns or provide a clear explanation of the situation.

Consumer Impact : This situation has caused confusion regarding my tax obligations and has led to significant inconvenience and concern about the transparency of Cash Apps practices.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter. I believe that Cash Apps practices in this instance may not fully comply with consumer protection standards, and I would appreciate your assistance in resolving this issue.

Thank you for your time and consideration. Please do not hesitate to contact me if further information or documentation is required. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax for their failure to properly address my dispute regarding inaccurate items on my credit report. On XX/XX/year>, I mailed a dispute letter to Equifax via XXXX certified mail tracking # XXXX, requesting an investigation into inaccurate items appearing on my credit report. In addition, I disputed incorrect personal information listed in my credit file. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
According to XXXX tracking, the letter was delivered to Equifax on XX/XX/year>. Despite my detailed and valid request, Equifax has failed to provide any investigation result. It has now been more than XXXX  days since my submission, and no communication or resolution has been provided. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
XXXX inaction and failure to respond to my dispute appear to be a direct violation of this requirement and deny me my consumer rights. 
I am including a copy of my dispute letter sent to Equifax and XXXX certified mail proof of delivery as evidence to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have new and updated information on Experian. I recently submitted a complaint about not being able to obtain my consumer report from Experian where I provided proof of social and proof identity yet Experian continues to noncomply by reporting inaccurate and unverified personal information. The inaccurate and unverified personal information is attached a combination of misspelled names, unverifiable address and employments. I am not sure why Experian asks for verification but do not delete the inaccurate information. 

Please see attached exhibits of inaccurate and unverifiable personal information after I have provided actual proof of identity and social with the correct spelling and provided the most updated address. Experian has ruined my reputation and caused me emotional distress. I have not been able to receive communications because of their constant inaccurate reporting of unverified addresses.
Product: Credit card or prepaid card

For the second time in a month, Citibank has removed my access to manage my accounts with them. I am an over-the-road truck driver, I manage all my accounts online and therefore do not have checks for my personal bank accounts. As I work hard to manage all my accounts, I noticed right away when they shut down my access again, and contacted them immediately. They claim that there are no restrictions on my accounts, and basically told me the problem doesn't exist. Today is XX/XX/2022, my payment for my Citi XXXX XXXX card is due on XX/XX/2022, I have no way to make this payment. I was able to elicit a response from Citi 's " XXXX response team '', who also told me the problem doesn't exist, and has subsequently ignored all of my attempts to communicate with them to resolve this problem. 

The last time this happened, they claimed it was because XXXX ported my wireless phone number from XXXX to XXXX ... and that somehow added up to them restricting my access to my accounts with Citi. I have verified all of my personal information with Citi over and over and over and over and over and over and over and over and over and over. All I'm trying to do is PAY THEM BACK THE MONEY THAT I OWE THEM. By continually ignoring this issue, they are effectively refusing my payment. The first time they put a blemish on my perfect credit, you will be getting another complaint for that. 

Until this issue is resolved, I will be making my payments into ESCROW. Any fees they charge me will be added to the lawsuit. 

Citi- don't bother responding to this complaint ... because I no longer care to hear your BS. Save it for court.
Product: Payday loan

I have already paid them XXXX on a XXXX dollar loan I called for my payoff balance and they say I owe XXXX they never told me my interest rate before I got the loan!!! I never received any paperwork only my payments schedule
Product: Credit reporting or other personal consumer reports

Hello Sir/Madam, I have noticed a debt collection entry on my credit report claiming I owe XXXX {$500.00}. Despite contacting XXXX XXXX they confirmed I owe nothing. This discrepancy has impacted my credit score for over a year. Your assistance in resolving this matter is greatly appreciated, as it hinders various aspects of my life. Thank you in advance.
Product: Debt collection

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is ENHANCED RECOVERY CO L. The inquiry date is XX/XX/2021. The bureau reporting is XXXX. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was the victim of identity theft. I immediate requested a fraud alert from all three credit bureaus. Subsequent to this event, I changed my phone number. In XXXX, I tried very unsuccessfully to have the credit bureaus update my telephone number on the fraud alert. I submitted requested documentation but was unsuccessful in getting the phone number updated. 

On XX/XX/XXXX, anticipating a new car loan application, I once again called all three bureaus asking that the fraud alert be lifted. XXXX required me to send in documentation of my identity as well as proof of my new address. I sent the letter and documentation to them on XX/XX/XXXX. I received written notification from XXXX on XX/XX/XXXX that they had placed an extended fraud alert on my account, an action I did not request. 

Equifax and XXXX indicated to me on XX/XX/XXXX in a telephone conversation that the fraud alert would be lifted within 24 hours. Subsequent to that time, I have been denied a credit card twice and today my car loan was denied because of the fraud alert ( my credit score is in in the high 700 's to low 800 's ). The car loan lender asked me to remedy the credit bureau situation before we can move forward. I have tried and have gotten no where. I am requesting assistance to have the fraud alert removed from my account immediately at all three credit bureaus. 

Fraud alerts are great, except when the individual who requested them is denied credit solely on the basis of inaccurate information in the credit bureau 's database.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate, invalidated and questionable items on my credit report and to this day it's been over 45 days later and I have not received a response concerning this matter. I feel like I am being ignored on this very important issue that's impacting my financial situation and credit worthiness. Section 611 plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from ones credit report. In my case it has been 45 days and counting so they should be deleted promptly. 

I demand these accounts to be delete immediately or I will file litigation due to the stress this has caused me. My information was also impacted by the Equifax Data Breach and may have gotten into the hands of the wrong people.
Product: Credit reporting or other personal consumer reports

Data breaches credit gets on frozen and more loans go out that are not me social security number is used for car loans student loans bank accounts using California in XXXX XXXX California and it's social media accounts and I need the help to recover myself and not to recover with somebody else recovering the money as me I am in mass data breaches with XXXX and it's they give me a number that somebody else had and the other person use that number that was giving to me against me and reports data breaches and fraud
Product: Checking or savings account

On XX/XX/2023, I opened a new checking account with XXXX XXXX ( Reference number XXXX ). I was approved and was provided with a confirmation email and a checking account number. A small {$25.00} transaction was debited from another banking institution as an initial deposit. Additionally, I changed my direct deposit paperwork with my employer so that my paycheck would be deposited into the new XXXX XXXX account. A {$3000.00} payroll direct deposit was successfully deposited into the account. Now those funds are missing! Unfortunately, XXXX XXXX can no longer seem to locate my account even though there is > {$3000.00} tied up in the account. I want to be able to access my funds in my account.