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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting XXXX, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 


1. ) XXXX XXXX XXXX XXXX Date Opened XX/XX/2013 Balance {$0.00} 2. ) XXXX XXXX XXXX XXXX Date Opened XX/XX/2013 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed a account on my credit report I do not recognize and also a few unauthorized credit inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and transunion has violated my consumer rights by furnishing unverified accounts this account is the result of identity theft DELETE XXXX XXXX XXXX Original creditor : XXXX XXXX DELETE ALL NON ACCOUNT HOLDING INQUIRIES ALL INQUIRIES ARE FRAUD FTC REPORT ATTACHED & ID
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed with Opploans multiple times to get the closed account removed due to Opploans violating XXXX XXXX COMPLIANCE I have paid the balance and asked for deletion but OppLoans refuses to delete the closed account
Product: Credit card or prepaid card

On my Bank of America credit card, I was charged a {$23.00} late fee in XX/XX/2021 because auto pay was not set up. Auto pay was not set up because i use their mobile app and it is impossible to set up auto pay on the mobile app as they could not walk me through how to do it on the app. I then call to ask them to waive the fee because i have perfect payment history and explained to them i couldn't set up auto pay on the app. They refused to waive the fee. 

Bank of America is purposely making it difficult to enroll in auto pay so they can earn money from late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items on my report that your agency didn't make sure it was reporting 100 % accurate. 


XXXX XXXX : # XXXX has violated my rights. The Listed account above has flawed information under between 3 different credit reporting agencies in Transunion, XXXX, and XXXX. First Flaw is the account status which differs from the XXXX and XXXX report ( Paid ) from the Transunion report ( closed ). Second Flaw is the date account opened which differs from the XXXX and XXXX ( XX/XX/XXXX ) from the Transunion report ( XX/XX/XXXX ). Third Flaw is the Last day reported on the account which differs from the Transunion and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). XXXX XXXX is the Last day Active report which differs from all three credit reporting agencies in XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) report from the Transunion report ( XX/XX/XXXX ). Final Flaw reported was the date of last payment reported which differs from the Transunion and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). 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 an 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.

These inaccuracies have done a toll on my mental health and m mental well being and I demand they be removed off my credit report seeing as the account is now closed and the information is still inaccurate.
Product: Credit card or prepaid card

In XX/XX/2020, I had unauthorized charges occur on my US Bank Reliacard. I contaced US Bank immediately. The person who did these unauthorized charges was convicted of this crime. I have submitted all requested paperwork US Bank asked for, 3 times ... THREE TIMES SINCE XX/XX/2020. 

I HAVE NOT RECEIVED A SINGLE DOLLAR FROM US BANK TO REIMBURSE ME the {$6800.00} that was stolen off my card. 

XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I tried to fix this situation through XXXX and XXXX. The debt was from a prepaid credit card the cash I put up front for the card. Second the amounts do not match the bill is for XXXX but the debt they are trying to collect is 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 1681. 
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 or other personal consumer reports

An unauthorized inquiry unexpectedly appeared on my credit report this morning, and I have no idea where it came from. I regularly check my report, but this time, there were discrepancies that shouldnt be there. I refreshed my browser to see if it would go away, but it didnt. This situation is incredibly frustrating, and I need my submitted documents to be properly reviewed to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifiable, invalidated, Inaccurate and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. My social security card and id was stolen on XX/XX/XXXX. Since then i have notice multiple accounts and inquires appear on my credit report. The following accounts and inquires were not authorized by me and are in fact fraudulent. 

Creditor : XXXX XXXX Account number : XXXX Balance : {$950.00} Creditor : XXXX XXXX Account number : XXXX Balance : {$550.00} Creditor XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX Balance : {$160.00} Inquires XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Co XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Hi XXXX XXXX, You have not brought your account, ending in XXXX, current as previously demanded and you remain in default under the Contract with us. Your past due amount is {$2100.00}, which includes any applicable late charges. 

As a result, your account has been referred to our Repossession Department. CarMax Auto Finance reserves the right to pursue the recovery of the Vehicle as allowed by the Contract and subject to applicable law.

We would also like to advise you of the following important information : We may report information about your account to the credit bureaus. Late payments, or other defaults on your account may be reflected in your credit report.

The acceptance by CarMax Auto Finance of all or a portion of this or any other past due balance does not waive CarMax Auto Finance 's ability to exercise any of its rights, including the right to repossess. You are required to make all payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm submitting this complaint because my rights under the FCRA and FDCPA have been violated. I have been disputing since XXXX and not even once have I received the requested documentation, procedure information, method or anything else other than form responses saying these items have been " verified ''. 

I am attaching XXXX XXXX TRANSUNION XXXX, wherein Congress specifically states in no unclear language that the burden of proof is on the CRA 's and creditors - NOT the consumer. So how can they " interpret '' this to mean that I 'm the one that needs to provide any proof whatsoever when they 're getting paid to report these accounts? 

The entire point is that they 're required to report these accounts ACCURATELY AND COMPLETELY and that all accounts must be verifiable to stay on my credit report once I dispute them. My dipsutes have never been frivilous and therefore, they can not send anything stating that they will not investigate further without information from the creditor or the court because that is a direct violation of section 1681 and what Congress stated above. I would not be in this situation if they had done their job to begin with and gotten rid of these invalid accounts! 

For example, TransUnion is reporting XXXX XXXX that states there 's a monthly payment of {$490.00} on a CHARGED-OFF ACCOUNT. Not once did they send verification of the balance over when I notified them that it 's incorrect. 

for XXXX, they are reporting a monthly payment of {$25.00} on XXXX XXXX XXXX. Once again, this is a CHARGED-OFF ACCOUNT. 

for XXXX, they are reporting ( all 3 bureaus ) XXXX XXXX XXXX which was never verified as mine. They can not report information that is not verified as per the FCRA and section 609 protects me against false reporting so where 's the proof? I disputed directly with that company and my mail was returned undeliverable so exactly how are they verifying this with a company that does n't have a valid address? 

I will not accept a response from these companies stating that my address, name and/or SSN has been verified with the company. NONE of my disputes have requested this information and that is not legal verification anyways. 

I have attached my last 3 months of disputes, my credit report, identification, XXXX XXXX TRANSUNION XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. These items are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on a TJ Max card and its only on my XXXX  report hurting my credit. We have requested them to remove me but they have not. See attached doc
Product: Checking or savings account

XXXX 's XXXX XXXX opened an account at XXXX XXXX on XX/XX/1990. This money has never been withdrawn. I'm applying for withdrawal of {$2100.00} plus interest at this time. XXXX XXXX was purchased by Wells Fargo. In calling Wells Fargo, they stated they could not help me, the money was absorbed into the bank at time of purchase. Attached please find copy of bank book.
Product: Debt collection

I have been contacted by a collection agency called Sequium at my email address of XXXX regarding an unpaid XXXX XXXX XXXX  wireless bill. 

I informed them that I was not the account holder and that they had the wrong email address. ( I have lots of problems with other people using my address. ) They responded by sending me " documentation '' of what they claim is my debt, including copies of the actual debtor 's bills, including his physical address and phone number. 

This strikes me as a major violation of the privacy of the person who actually owes the debt. 

I have attached PDFs of the two emails they sent me, as well as the copies of the actual debtor 's bills they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft/fraud since 2016. Have filed a dispute several times with police reports. Credit reporting agencies have failed to remove fraudulent accounts. I have done everything I could to get this resolved. Im a victim suffering defamation and identity theft. Accounts frequently keep getting put in my name without my consent and affecting my credit. Equifax is no help with this severe issue. I have submitted several disputes since it first appeared on reports. They refuse to provide me any proof of this being accurate because its not accurate.
Product: Credit card or prepaid card

Capitol one has breached the cease and decist AGAIN I've asked only to be emailed anything and they sent a letter to my house AGAIN saying I am behind and they still owe me money and still have yet to readjust my account they're still a bully a XXXX  and a XXXX and I want nothing more than for them to be shut down for crimes against humanity! These people DONT stop and need to answer to all of their excessive fees and over contact!!! I've had enough!!!! Investigate these XXXX and fee them for every single letter and text message they send even after I've requested them to CEASE AND DECIST and I say again CEASE AND DECIST stay XXXX XXXXXXXXXXXX out of my mailbox and stop pestering people!!!! The government needs to send a powerful man that demands answers NOW and there still is XXXX change and this company thinks they are above the law and laugh at government cause they're not putting capital one in check and that they think they can do whatever XXXX  XXXX they want without consequences and someone needs to put them in their place because all the XXXX they've been doing is outrageous and makes me want to rip somebody a new one I can't enjoy the holidays and have it peaceful for these XXXX people to keep sending letters to my house!!?!?!? After a cease and decist is requested by law they have to follow it and they're not doing a good job doing so! They've raised interest again and won't budge and treated my complaint like it was not even XXXX on the ground. Come on government they're laughing at you stop letting people get away with this XXXX! They must answer and need to readjust my account STOP XXXX FEEING ME I HAVENT USED THIS XXXX  CARD IN OVER A YEAR!!!!! WHY MUST CAPITAL ONE BE THIS DENSE??!?!?!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:04/24/2023 XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I received a letter from bank. Bank used part of name in signature of XXXX to forge a letter to customer citing an invalid credit file from staff improper use of credit report. I'm from XXXX so company used part of the XXXX XXXX shape of signature to perceive XXXX translated letter from artificial intelligence of a XXXX writer that has a federation XXXX name that's is not of star spangled banner with forbidden accents in reading name left from right is improperly using customer name of consumer report without full spelling to produce XXXX XXXX without a clear XXXX  person of XXXX ; than they keep applying unauthorized accents to name ( customers inner voice ) indicated with abbreviation applied for service of open credit account. Bank is stealing customers arms of the republic to portray a member of the workforce and deny customer account services from applying accents to customer name out of signature of XXXX designate XXXX by social security number. Bank staff did not use correct association XXXX XXXX XXXX in wiring due from artificial intelligence translator unable to recognize birth-given name and company provided response from translator without considering customer 's open credit account of grandfather XXXX I gave company website social security number and staff is not a competent XXXX person from XXXX and is a XXXX XXXX  person acting in hate to clear XXXX people of the republic for their XXXX ancient XXXX  society Using citizens own arms against citizen than acting as if my inner voice doesnt have a given name.The XXXX XXXX people of XXXX keep denying grandfather XXXX account of XXXX. They keep trying to rename my inner voice that's indivisible of the XXXX flag from grandfather XXXX XXXX that's called open credit account. I have not received account services since providing social security number to web page that Is just a piece of paper of all of my stuff. In the united states a name is a man 's innervoice. You don't know me. I am from the dark ages. I keep getting challenged by XXXX accents of XXXX that's not registered with XXXX XXXX XXXX XXXX  XXXX I have a rich and powerful name of grandfather XXXX & staff refuses to use credit report properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX Balance Owed : {$190.00} XXXX  XXXX Balance Owed : {$3600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Bank Of America XXXX loan XXXX ) was servicing my home loan when I file for Bankruptcy on XXXX XXXX, 2012, I never stop paying my mortgage with B Of A or XXXX I was informed by Bank Of America andXXXX XXXX If I pay my mortgage off they would file a update with the credit bureau. XXXX has remove this information from all four major credit reporting agencies. I have sent B Of A over six request ask them to file a Automated Universal Data Form ( AUD ) to all four major credit bureau, to have this information remove, and they keep send me letter that myloan with XXXX XXXX.
Product: Debt collection

I have collections from medical bills Amerifinancial ( XXXX ) XXXX XXXX XXXX XXXX that I have informed them and sent proof that I had financial assistance at the time that covered cost 100 %. 

I have a credit card for XXXX XXXX XXXXXXXX that I filed a claim with stating it was fraud. This resulted in them sending it in as a charge off. 

Can you please contact me to assist XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which cause severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. Im accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report and under 15 U.S code 1681e ( b ) and 15 U.S code 1681 i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
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 practice 's, which violate the consumer financial protection act ( CFPA ). specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolutions requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial lost, 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/DEPT OF ED : Account XXXX Account Name : XXXX/DEPT OF ED : Account XXXX Account Name : XXXX/DEPT OF ED : Account XXXX Account Name : XXXX/DEPT OF ED : Account XXXX Account Name : XXXX XXXXXXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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.