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

i have contacted all XXXX credit bureaus as well as XXXXXXXX XXXX XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$310.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the  2 year history it is not uniform across the board which it should be...
Product: Debt collection

Dear Experian, I, the consumer and natural person have done extensive research of my consumer report. I noticed that there has been an account placed in the charge-off status. Defined by the IRS a charge off is considered canceled debt which is known as INCOME. INCOME can not be reported on a consumer credit report. I also noticed that you are alleging that the following account is negative without furnishing any proof of VALIDATION not VERIFICATION of the alleged debt or that you followed all laws and regulations to report, therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX XXXX XXXX XXXX I know that you did not do your due diligence in obtaining validation of this alleged debt because XXXX XXXX XXXX is in violation of not reporting this alleged loss to the IRS because they, themselves can not provide the VALIDATION of the alleged debt. They also stated to me that they sold the vehicle and received some compensation. But they are still trying to collect the amount of the alleged debt. XXXX XXXX XXXX also violated my rights under The Truth in Lending Act. I will get into detail with them about that myself. 

As you know, it is against the law to report any information not proven accurate. 

Once again, I demand concrete proof and evidence of the VALIDATION of the alleged debt. A copy of the contract or payment history will not suffice as I stated that the company is already in violation. 

Please be aware that all negative remarks found on my consumer report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

If you are unable to provide me with the full reports of how YOU, Experian VALIDATED and VERIFIED and how you are in compliance then you must remove this account from my consumer report immediately! 

I expect to receive a response 15 days from the date of receiving this notice. 

I have included more information for verification : My SSN- XXXX DOB : XX/XX/90 Best Regards, XXXX XXXX XXXX ' Done in good faith. Without prejudice. All natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Portfolio Recovery received a request for validation from me regarding a collection on my report. I received a return letter from them on XX/XX/2018, dated XX/XX/2818 ( 3 days after the receipt of my request ). This return letter falsely stated they had sent me correspondence about my dispute to which I didn't reply, and due to me not replying, they were " terminating the investigation of the dispute ''. 1 ) I received nothing from them between the XXXX and XXXX asking for additional information, and 2 ) they terminated the investigation of the dispute within 3 days of my request. They violated my rights as a consumer by lying as well as not honoring my request for validation. Whatever a right as a consumer to request validation, and they violated my rights. I demand this be investigated and that their reporting be removed from my report immediately.
Product: Student loan

My accounts were closed and has a XXXX balances with Nelnet. The company refuses to report this to the credit bureaus. When I disputed the accounts information with the credit bureaus, Nelnet denied the accounts are closed and there is a {$140000.00} balance owed to them.
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, fail to take timely and effective measures to prevent 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 fumish 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 I want the CFPB to publish this description on consumerfinance.gov so that others can leam from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Leam how it works. I consent to person knows or has reasonable cause to believe that the information is inaccurate.

Unauthorized Inquiries, report attached : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Late payment being reported from XXXX contacted XXXX and was told they never reported a late payment ever purchased a cedit score from Trans union and the score must have reflected this ghost late payment
Product: Credit reporting or other personal consumer reports

I thoroughly reviewed my credit report, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Product: Debt collection

I C SYSTEM ( Original Creditor : 11 XXXX XXXX ) ... .I have never had XXXX XXXX XXXX  or XXXX  so I have no idea whos this is ... I see a name on my credit report that is not mine and i have never gone by it is XXXX XXXX , Im sure the reporting of this debt is a case of mixed file ... ... I have contacted all 3 credit bureaus multiple times and they say that IC SYSTEMS verified and validate this debt ... how so if it is not mine? They have never sent me proof which im sure they do not have ... .I asked for a copy of the wet ink contract and received no response ... .there is no way that they can verify and validate this erroneous account on my report. i need this deleted now or i will be contacting a consumer attorney as well as putting a complaint in with the state attorney general as i am in the process of purchasing a home and this is killing my score.
Product: Debt collection

on XX/XX/XXXX around XXXX central time a XXXX XXXX called XXXX and asked for a XXXX XXXX XXXX told him he had the wrong number and hung up the phone. 

He then in turned called back and asked for XXXX XXXX again and said that I was her. I said no I am not and please stop calling my phone. I then in turned called him back on my work phone number and asked him why does he continue to keep calling my phone asking for a XXXX XXXX. He then in turned said that he was with Midland Collections and that a civil complaint is going to be issued if the debt was not settled. I then said I am not that person and that you are telling me someones personal information and if you have that person address then you should send them mail telling them about that debt because I don't owe any debt from 2014. I then in turn said if that debt is 2014 it sounds like you are out of statutory time frame. 

This person has continue to call my cell number XXXX and when I block the number he calls from XXXX he calls from a XXXX number where I have had to block that number today. the date is XX/XX/XXXX. I have asked this man from Midland Collections to stop calling my phone. I will have to put in a complaint about this company with you and with XXXX
Product: Checking or savings account

I signed up for a new checking account offer - Deposit {$25.00} to open the account then set up direct deposits of $ XXXX/month for three months. After three months of funding according to those terms, {$200.00} will get deposited into the account.

In the third month, after the first {$750.00} direct deposit went in but before the next {$750.00} direct deposit that would qualify for the bonus went in they closed the account without notice or reason. I called a local branch and they directed me to the 800 number because they couldn't see any reason as to why the account was closed.

After speaking with the 800 number rep, they said the account was closed due to no activity. However, I had {$750.00} deposits twice a month and {$750.00} withdrawals twice a month. Why the hard close? Why not a soft notice of " you're approaching our zero activity closure policy, please use your account more before xx/xx/xxxx date ''? 

This puts me in a frustrating spot because my company 's payroll has already been processed and now the {$750.00} will reject deposit if the account isn't opened. Beyond that it's bad will - the terms and conditions of the deal itself, not full on checking account terms and conditions, mentioned nothing about minimum activity or balances within the account.
Product: Money transfer, virtual currency, or money service

I am filling 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 requirements process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Navy Federal closed my account to where I could not use my credit card that I had with Navy. When I tried to use my credit card it was closed. When I tried to pay on it the bank would not allow me. They told me my account was closed. The reasons the bank stated my account was closed due to security reasons. At the time, my identity was stolen and I had support of my personal information being tampered with. The Navy Federal account is my account and the credit card is my credit card. I have no problem paying for the credit card that I owe. I was only protecting myself letting the bank know my information had been tampered with when I lost my personal information so there may been a problem and the police report would support anything problems that may have happened.
Product: Mortgage

I opened a checking account with Truist who currently holds my mortgage and now I have no online access to my mortgage account. I can only see my checking account information. 

On XX/XX/2022 I went to the Truist branch located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX I spoke with XXXX XXXX and we discuss products and applying for them. Later that day I went into the branch and told him I dont have access to my mortgage account online and he gave me his business card and told me he would follow up with me later that day. I did not hear from him so I emailed him at XXXX on XX/XX/2022 I called the branch several times and at the end of the business day I received a very vague email telling me he would monitor and keep me posted. 

He asked me to email my social security card because the social security number in the system was not the same and I explained to him that I had no issues accessing the app or the website prior to coming into the branch. He gave another vague excuse about the merger and integrated the systems. He said he would get it corrected with in two business days. 

I called the customer service number and was bounced around from department to department and the mortgage department said everything is showing up correct and they need to get me over to the online support team and the online support team told me the same thing that branch said about my social security number being incorrected. Wait times when calling the customer service number were over 4 hours at times and getting nowhere. 

On XX/XX/2022 I spoke with a man named XXXX XXXX from the online team and he would not honor any of my request to contact the mortgage department or transfer me to a manager after going back and forth with him for over an hour he disconnected the call he cut me off many times and repeated himself. I never felt like he listened to me I felt rushed and almost like I did not matter, he might have just wanted to get to his next call. When I asked for his employee ID he told me he could not provide that information but offer to give me his last name. 

From XX/XX/2022 to XX/XX/2022 and counting I still do not have online access to my mortgage account and no one from Truist has taking ownership of my issue to help me correct it.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Can you verify the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights XXXX XXXX # XXXX, 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 card or prepaid card

I received a {$15.00} prepaid debit card from a rewards company. I had about 8 months before the card expired from when I originally got the card ( summer 2020 ). Today, the card is expired and I called to get a new card with my original {$15.00}. I called the company and they said this was not possible. I told them this is required by law, and they ignored that statement. I was told to use XXXX to activate my card. The company is clearly trying to take as much money as possible from consumers.
Product: Debt collection

Repeatedly has called my place of employment. Was told on several different occasions that they were not to call me at work by the managers. Lady told the manager that I owed her over a 1000 Dollas and she needed it paid today. Was very rude and aggressive toy employers and shared embarrassing information.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account number # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX DEPT OF EDUCATION # XXXX, 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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  and TransUnion have continued reporting an inaccurate and unauthorized tradeline on my credit report. Despite my repeated disputes over several years and the fact that this tradeline was included in an identity theft report filed with the FTC, XXXX XXXX  and TransUnion have failed to delete this harmful entry from my credit report. 

XXXX and XXXX have already recognized the inaccuracies and removed the tradeline from my reports. However, XXXX XXXX  and TransUnion have neglected to take the necessary action, causing ongoing harm to my credit profile.
Product: Debt collection

discover bank {$0.00} XX/XX/2021 the account shows closed but still is showing on my report this is fraud and i want it removed