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

I am writing to file a complain against Equifax for failing to comply with the fair credit report act ( FCRA ) requirements, particularly 15 USC 1681e ( b ), 1681s-2, 1681i ( 5 ), and 1681c ( c ). despite multiple written disputes regarding inaccuracies on my credit report, Equifax has refuse to conduct a proper investigations or correct the errors as mandated by law. 

on XXXX sent dispute letters to Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FREEDOM MTG XXXX ] i provided detailed evidence supporting my disputes. yet Equifax either failed to respond adequately or continued reporting incorrect information. this failure has cause harm to my credit score, impacting my ability to secure credit. 

The recent CFPB enforcement action ( CFPB Orders Equifax to pay XXXX XXXX for improper investigations of credit reporting errors. XXXX demonstrate a patter of non-compliance by Equifax. My experience aligns with the improper practice highlighted in this lawsuit, including a lack of diligence in investigating consumer disputes. 

Equifax actions violated the following FCRA provisions ; 15 USC 1681 e ( b ) ; Failure to ensure the accuracy of consumers report.

15 USC 1681s-2 ; Neglected of duty to prevent and correct inaccuracies.

15USC 1681i ( 5 ) ; Failure to delete inaccurate or unverifiable information.

15USC 1681c ( c ) ; Continued reporting of outdated information.
Product: Debt collection

The Petitioner Capital One Bank hired XXXX XXXX XXXX, XXXX and sued me for debt they claim I owe. I was NOT properly served ; therefore they were granted a summary judgment. I summited an Answer to complaint on XX/XX/2018 with Civil Court of The city of XXXX XXXX  XXXX County. 

In this Answer to complaint I specifically asked for the original wet ink promissory note for my inspection. They sent me copies of statements which isnt what I requested and its not PROOF.
Product: Money transfer, virtual currency, or money service

My Cash App was closed with without warning or an explanation. I tried to reopen the account and received a message that read " this happened because we found activity on your account that goes against our Terms of Service. '' I used the Cash App to transfer money between my mother and my daughter online and never any suspicious or illegal activity. Please tell me what I need to do to get this App back up and running. 

There was a statement on the internet ; " to reopen your closed Cash App account, you can contact their customer service at XXXX ( XXXX ) XXXX. A Cash App representative will provide information on why your account was closed and guide you on reopening it '' ; however, the telephone number is not a good number and the call continues to drop.
Product: Credit reporting or other personal consumer reports

Hello, while taking a look at my credit report I noticed quite a few late payments on my account in which I have always maintained timely payments. Reporting agencies play a big part in accurately reporting consumer information. It is very important to to be reported with the utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX. I am requesting that you thoroughly investigate this errant information and urge you to provide evidence such as statements, demonstrating the lateness of these payments. If you are unable to furnish such proof, I demand these payments be updated to reflect their true status as on time and remove all errant " late payments '' as I have consistently upheld my payment obligations without any delays.
Product: Credit reporting or other personal consumer reports

I have disputed this account, this company has yet to respond or follow from fcra laws. 
Suncoast Credit Union XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting by Department of Education/XXXX on My Credit Profile Dear Consumer Financial Protection Bureau , I am reaching out to request assistance with a credit reporting issue concerning the Department of EducationXXXX . My credit report shows inconsistent and incorrect information across the three major credit bureaus regarding the same account which is negatively affecting my credit profile.

The inaccuracies Ive identified are as follows : 1. **Inconsistent Payment Status Reporting** : The account reports as current/terms met in XXXX and XX/XX/year>. However, in XX/XX/year>, it suddenly reports as 90 days past due, without prior indication of delinquency, which seems inaccurate given that XXXX and XXXX were marked as current. 

2. *XXXX 2018 XXXXDay Late Reporting** : Similarly, the account reflects a XXXX late status in XX/XX/year>, despite reporting current/terms met both prior to and following this date. This inconsistency appears to be an error, as there is no logical progression to 90 days past due under these circumstances. 

3. **Discrepant Balance Reporting** : Each bureau is reporting a different balance for this account, with one showing {$2000.00}, another {$2500.00}, and the third {$1000.00}. The account was, in fact, paid in full and closed, and therefore, no balance should be reported at all.

4. **Account Still Hurting My Credit Profile** : Since the account has been paid and closed, I am unsure why these negative marks remain on my report. The false late payments are particularly harmful to my credit profile and should be removed. 

For a fair resolution, I respectfully request the CFPBs assistance in : 1. Having the Department of EducationXXXX correct or remove the inaccurate payment statuses, specifically the XXXX-day late entries in XX/XX/year> and XX/XX/year>, as they do not align with the account history. 
2. Removing any remaining balance from all reports, as the account is paid and closed.

3. Ensuring that my credit report accurately reflects a closed, paid account without late payment history, as any incorrect delinquency reporting is unjustly impacting my credit score. 

Thank you for your time and assistance with this matter. I hope to reach a prompt and fair resolution. 

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

I have disputed the balance owed on a {$5000.00} student loan that I paid off in XX/XX/XXXX. I despite the amount owed on my credit report with all three credit bureaus and they all have not removed the debt from my score in which no changes where made. They initially two of the bureaus temporarily took it of my credit score that dropped my score by 4 points with giving me points credits for paying down my student loan balance. When I reported them to the XXXX they put it back on my credit report again not properly resolving, reporting, or giving me point credits for paying of my debt!!! I think the credit reporting agencies are purposely degraded my credit score by withholding payment information or miscalculating or reporting information!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

fraud alert, please add it XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a couple of inaccurate items on my credit reports and have been trying to for quite some time yet the credit reporting agencies are not communicating with me on those investigations. I understand that we were in a Pandemic and took that into consideration after I didn't receive a response the first, or second time but the this time I gave them 3 Months to respond and they still have not. I don't understand how the Federal Government can create laws to protect me the consumer and yet these corporations STILL don't have to abide by those laws. The Fair Credit Report ACT requires Credit Reporting Agencies to respond to investigations within 30-45 days. Yet the Credit Reporting Agencies do not respond at all. Upon doing some research, I read that the Trump Administration cut the funding of regulatory agencies giving these corporations a free ride to take advantage of consumers like me. It seems that's exactly what XXXX XXXX  and Trans Union are doing as they ARE NOT complying with the FCRA at all. This is why I'm finally reaching out to the CFPB which is supposed to enforce and protect consumer laws especially against the Credit Reporting Agencies. I sent letters to all three credit reporting agencies on XX/XX/2020, XX/XX/2020, and XX/XX/2020 and never got a response from any of them. In the past they would send a letter to any investigation or letter I sent but now they NEVER respond and continue to report inaccurate, incomplete, or unverifiable information on my credit report. When I contact them to ask them about my investigations, they just give me the run around, say they never received a dispute letter ( which is a lie that XXXX  uses every time ) even when I send them certified and they sign for them. The CFPB needs to enforce these laws that are supposed to protect consumers and not let these credit reporting agencies blatantly break the law. We have a new President now who does support American Consumers and their rights so it's time for the CFPB to do their job and hold the credit reporting agencies accountable.
Product: Credit card or prepaid card

I have been in contact with Discover since XXXX when a card was fraudulently opened under my name in which case i was not notified until the card had been charged up well over its limit. I was very upset that i was never notified about the opening of this card. My information was compromised and a card was sent to an address I have never been associated with. Upon asking Discover for a validation of debt and proof of how this account was opened and WHY it was sent to an address that I have no association with, the answers I got were appalling. I received several statements, the first which had my address on the front, and all of the statements behind it were addressed to the unknown address THEN CHANGED EVERY SINGLE STATEMENT TO REFLECT MY ADDRESS!!!! They manipulated the paperwork to reflect my address how is this not illegal!!!!!! Every single time I ask for answers as to why the card was sent to that address, I get the same response. This time, as of XX/XX/XXXX, after i spoke with a " Credit Bureau XXXX '' who claimed they would call me back regarding this information, but never called. The newest letter reads " A review of our records indicates that you are responsible for the balance on the account. We have responded to your previous debt validation responses on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Our position on the matter remains unchanged. '' This is after I was told i would get a call back to discuss the matter, and never did. Now, the mistake on my behalf, I paid a few months on this card because I was going to be denied a government job as a XXXX agent in an airport and could n't have more than a certain amount of outstanding debt. I paid in order to get myself out of a financial crisis and into a better job to support my family. I was a newly college graduate and scared and desperate I did n't know what else to do without losing the position I worked so hard to get. Prior to this arrangement, Discover will have notations of me calling very disgruntled that they would allow someone to use my personal information. I also had a situation at the same time where an account was opened with XXXX XXXX however, I was lucky enough to get that rectified and removed. I am so frustrated, I can not get any answers from Discover whether i call them or not and I have reached a dead end with the bureaus. Transunion has removed it however, XXXX and XXXX are refusing to investigate further. As I began to do my research I started saving all of the letters and information I was sending as proof. Please help me with this matter and what I can do to get my credit back so I can move on with my life in peace. I am always on time with my credit and payments and have been working on establishing my credit since high school for it all to be taken from me in the blink of an eye. XXXX ADDITION I NEVER HAD THIS CARD IN MY POSSESSION IT WAS NEVER EVEN SENT TO MY ADDRESS WHEN THE ACCOUNT WAS OPENED!!!!! ***
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card account Elan Financial Services from about XXXX to XXXX. 
The account was set up to be covered by an autopay from my XXXX XXXX Account. I closed the account in XX/XX/XXXX. At the time the balance on the account was either XXXX  or at most a few XXXX dollars. 
That was the last I heard from this account until it showed up on my credit report as a charged off account this year. Investigating more, is appears that the autopay was still active in XXXX and that the balance had never been paid off. It also appears that for some reason the autopay was interrupted at some point between XXXX and XXXX. 

Over the past two months I have repeatedly asked Elan financial services for the complete records for this account, and they have yet to send me anything except the last 18 months of statements, going back to XX/XX/XXXX. These statements do now explain why the account was not paid off between XXXX and XXXX, despite there being and autopay set up, which was supposed to pay off the balance in full. 

Finally, in XX/XX/XXXX, I paid off the balance of this account, hoping to make it go away, however it is still showing up on my credit report. 

I still have not received any explanation or documentation of what happened to this account between XXXX and XXXX. 

On XX/XX/XXXX tried to contact Elan Financial services to request that they delete this account from the credit reports. The person that I spoke with told me that the were unable to do this, and that they couldn't transfer me to someone who could. They suggested I file disputes with the credit reporting agencies, which I have already done.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ) XXXX Social Security Number : ( Private SSN LAST XXXX XXXX ), Consumer Date of Birth : ( Private XXXX XX/XX/year> ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of an XXXXXXXX XXXX accounts, This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take + timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process XXXX 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: Checking or savings account

I had a checking account opened with Wells Fargo and suddenly they claim to not want to do business with me anymore. No specified reasons but just allowed me to get my money back and they would close my account at the end of XX/XX/XXXX. I am continuing to get correspondence from Wells Fargo regarding my accounts balance. Ive went to the branch more than five times and the same thing, they call to find out my account cant be closed because its over in the fraud department. I finally talked with them several times and was promised that it would be closed. I asked for an email and a letter once this is done. Talked with the fraud department in XX/XX/XXXX and was promised the same thing again as it was elevated up to their supervisor. To this date of XX/XX/XXXX XXXX still receiving correspondence mail that my account is still there. They are totally ignoring this after they are the ones who requested to close my accounts. This is truly aggravating me and I need assistance getting away from them totally. Please help
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX Balanced : {$540.00}
Product: Credit card

On XX/XX/year> XXXX was taken out my chime builder account from atm I called chime when I noticed the fraudulent transaction I was told I cant dispute into the transaction is complete I waited than called back to dispute transaction they denied my first dispute an two days I dispute it again because i never went to no ATM so now I been waiting weeks and I need my money back I have bills and chime sent me new card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. 
XXXX XXXX {$290.00} Credit Line {$300.00} On Tuesday XX/XX/XXXX Experian decreased my credit score by XXXX points because my credit card reached the amount of {$290.00}. They say because of the high usage increase. A credit card is used to help rebuild your credit. How can they take lower my credit score because I used my credit card. In XX/XX/XXXX, I use the exact same credit card and paid it off in full in XX/XX/XXXX and I did not get an increase in my score. I am not behind on this card. It is paid on time. I feel as though the Credit Bureau is trying to hold me back from building up my score. I have a vehicle that I have been paying for on time now for 2 years and not once has my score increased from that. 
XX/XX/XXXX, Experian decreased my credit score by XXXX points because I went over the limit on my XXXX Credit Card. Which this card has been paid on time. Not once did they increase my score for making on time payments. But they quick to decrease my score. When they do increase my score its only by XXXX or XXXX points, but when they decrease it is always XXXX digits. Again I feel as though they are trying to keep my score below XXXX. Every time I get above XXXX they start decreasing it. I have complained about several companies reporting past due accounts on my report two to three times a month and nothing is being done about it. XXXX XXXX XXXX is one of the companies. They reported the same accounts on XX/XX/XXXX and XX/XX/XXXX. I am really trying to figure this out. Again each time my score gets above XXXX Experian starts decreasing it. Within the past two months they have decreased my score by XXXX because of my usage of my credit cards. As a XXXX American person, I truly feel as though I am being held back for some reason. Again why would they decrease my score for my credit cards when I am not behind on them. It does not add up, it does not make any sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint and there is no third party involved. ThESE accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behaviour and willfully in the violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
INQUIRIES : XX/XX/XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XX/XX/XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX XXXX Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX Inquiry Date XX/XX/XXXX,XX/XX/XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXXXXXX Inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXXInquiry Date XX/XX/XXXX, XX/XX/XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXInquiry Date XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/XX/XXXX Inquiry Date XX/XX/XXXX, XXXXXX/XX/XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXXInquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is addressed to EQUIFAX. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.