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

I have sent a formal complaint to the reporting agency because inaccurate information, incomplete information and unverifiable information is being reported on my credit report. This has caused great stress in my life because of this problem with the agency reporting this inaccurate, incomplete and unverifiable information. 

The first time I received a letter from the agency stating that they want to make sure that I am the person who is disputing and filing a complaint. I sent in verifiable identification documents and then I received a letter stating that the information was verified but they showed no proof, nor did they disclose any procedures that were done to prove that this information was verified and accurate as they have been reporting. As a consumer I requested the steps that the agency took to insure that these items were 100 % accurate under 15u.s.c.1681 ( i ( 7 ) Method of verification. Description of reinvestigation procedures.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Disputing Inaccuracies on My Credit Report HUNTER WARFIELD XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$4500.00} {$4500.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Dear Sir or Madam, I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you investigate/re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion This item is ( inaccurate or incomplete ) because I do not owe this debt. I received no letter in the mail and when I called the company after seeing it on my report they said it was an error aND MAILED me a letter stating it was paid. I am requesting that the item be deleted to correct the information. 
Enclosed are copies of the following documents supporting my position : 1.Letter form company saying I owe no debt Please reinvestigate this matter and the disputed items within the time frame required by the Fair Credit Reporting Act ( FCRA ) and inform me in writing of the outcome.Thank you for your time and consideration in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company failed to respond within the legal allowed 45 days initially. A certified letter was sent on XX/XX/20 There should be no more conversation about this matter. You did not get back to me within the time and could not verify within that time. The accounts in question should be immediately deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these accounts has violated my rights. Please see below : XXXX XXXX  XXXX XXXX, I was never 30 days late in XX/XX/XXXX or XX/XX/XXXX. The other bureaus have me listed as, Paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX XXXX, I was never late XX/XX/XXXX, XX/XX/XXXX. The other bureuas have me listed as paying on time. 

XXXX XXXX XXXX, I was never late 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XX/XX/XXXX {$6500.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$650.00} 1

5 USC 1681 Section 602 A- States I have the right to privacy. 15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

First Investors Servicing will not work with me on payment extension, lowered payments, deferment. I informed them I was fired due to Covid 19 awaiting unemployment claim approval and unable to make my payments. Rep assured me f I called back in XXXX I would either qualify for an extension or 3 months reduced payments when I called XXXX. XXXX arrived when I called they said those programs were discontinued. I had to borrow money from my retired mother to make a payment as they keep calling emailing and harassing
Product: Consumer Loan

Wells Fargo is making it exceedingly difficult to pay off this car loan. Very little information was given to me concerning my options, and also it was conflicting information. 
At first, I was told I could walk into any Wells Fargo Branch and give them cash. This would pay off my loan immediately. Then, I was told I could not pay off this loan at any branch, because the computer systems were different. 
The third time, I called, I was told yes, I COULD pay off the loan, just not state it was a payoff. 
I am confused. 
Also, I was never told I could negotiate the interest on the loan. 
Also, when I requested a copy of the transcript ( which they tell me is recorded ) I needed a subpoena to get it.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX stole a huge huge amount of money from me through cash app. I was scammed. And it and he Ultimately ruined my living situation which left me without a home in XXXX. As a XXXX  woman I was tremendously affected and lost. I tried to settle through cash app and they would not help at all and wouldnt even try to contact XXXX XXXX for my funds back. Cash app was unhelpful. And I am writing to formally express my concerns regarding Cash app handling of disputes, Despite using Cash app numerous times and reporting discrepancies, my financial institution and Cash app failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Cash app has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This happen in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

( AR RESOURCES INC ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, PAXXXX ) has been sending me collection notices in the amount of ( {$550.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I have submitted this with identity theft report, but the XXXX XXXX XXXX  is still on my credit report I have submitted the FTC report and the contract that the identity theft was on
Product: Credit reporting or other personal consumer reports

The following information is being listed on my credit report inaccurately. Please remove this false information immediately. 

The addresses of XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX is not a correct address for me. These addresses need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that CBNA has submit a hard inquiry. I reached out to CBNA on XX/XX/XXXX from XXXX to their number XXXX. The representative i spoke with advised me that per my social security number I have nothing with them. I explained that they claim I submit something with them that lead to in inquiry. I was advised since I have nothing open they cant help. I called XXXX ( XXXX ) back on XX/XX/XXXX from XXXX and explained what CBNA stated. I asked can you please provide me what they " confirmed '' and they said no I need to ask CBNA for it. I do admit I refinanced XXXX  months ago and if its related to that it would be true but very late.
Product: Debt collection

I am not aware of this debt, I didn't have the opportunity to dispute this information. If in fact you believe you gave proper notification then please send me the certified reciept with my name/signature on it
Product: Credit reporting or other personal consumer reports

The following accounts were closed by me and should state that XXXX  Date of inquiry : XX/XX/2024 Please remove this inaccurate information from my credit report. 
XXXX. The following accounts were closed by me and should state that XXXX XXXX Date of inquiry : XX/XX/2024 Please remove this inaccurate information from my credit report. 
XXXX. The following accounts were closed by me and should state that XXXX XXXX Date of inquiry : XX/XX/2024 Please remove this inaccurate information from my credit report.
Product: Credit card or prepaid card

I provided Navy Federal Credit Union with my orders as well as other information were I had no access of making these purchases with my credit card. $ 17,000+ in consistent Instacoins were made where no security measures were made. Ive tried reaching out to them, given so much evidence and no response to the matter. It is very inconvenient, and that is an understatement. I have consulted with my lawyer in the next steps but the now is the problem. Im continuing to make the payments on time but I would hate to make {$17000.00} in payments for purchases I had no part of. 

I can say I will not be getting another card from Navy Federal for sure. This has been an ongoing issue since XXXX.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to.
Product: Credit card or prepaid card

On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non- reportng with ( XXXX , Experian , XXXX ). They have failed to add information that was paid in full do to a real estate flip i did from XX/XX/2007 to XX/XX/2007. I strongly believe that they are in violation of the FCRA and are outright hurting the way i do business with my name.
Product: Credit reporting or other personal consumer reports

Hello, these companies accessed my credit report without my permission, resulting in damage to my credit and score. Despite contacting TransUnion and being assured that these inquiries would be removed, they still appear on my report. These unauthorized and fraudulent inquiries are causing me significant anxiety, as they may indicate I'm a victim of identity theft, adding unnecessary stress to my life and further impacting my credit score.
Product: Debt collection

LVNV FUNDING LLC HAS BOUGHT A DEBT THAT HAS BEEN PAID FROM XXXX XXXX AND NOW HAS SOLD THE DEBT TO ANOTHER COLLECTIONS AGENCY! XXXX XXXX, LVNV FUNDING LLC AND XXXX XXXX XXXX HAS BEEN CALLING, SENDING LETTERS, and reporting to agencys on my cresit file.
Product: Credit reporting or other personal consumer reports

Credit Bureau have been asked repeatedly to validate debt due to inaccuracies in reporting. No action has been taken to validate the debt. Reporting does not meet FCRA requirements and is limiting my ability to build credit appropriately.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Have a 30 day past due amount which is restricting my credit. sent in a debut was suppose to resolve last month but still is active. 

Wells Fargo XX/XX/2015 scheduled payment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting lates in XX/XX/19 and XX/XX/19. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it after the two months, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.
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 violates the consumer financial protection act ( cfpa ) .specifically, cash app failed to take timely and effective to prevent and protect fraud on their platform, leaving my account vulnerable and unprotected.furthermore, their dispute resolution process was unfair and deceptive, as they did not apply with error resolution requirements under the electric fund transfer act ( EFTA XXXX and regulation E.these actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

I am not liable for this debt with Portfolio plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$71.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Card numbers were hacked by someone presently unknown. The Staements alleges I am correct the items are fraudulent and have given me a " allegedly given me a statement that all the interim credits are now permanen as their fraud investigation department agrees with me! I spoke to a Discover yesterday who I was attempting toe informed what credits I have been given, and what not, she became beligeren and contrary to their prior ations and statements to me by other members of the fraud and security department Discover, refuses to even allow me to see my statement not have use of the money we both agree is properly in my account, available for my use, but this woman has arbitrarily denied me use of the money Disocver as part of my Credit Card, has set aside for my use, which is account, I my ability to have a card to access the funds has been removed by Discovery. Independently I have attempted to determine the person who has hacked the account, and want to work to help Discovery catch him -- but they refuse.
Product: Credit card

I applied for a Mastercard via Frontier Airlines in or on approximately XXXX of XXXX. I did not activate the card nor have I ever used it. The card was listed as dormant on my credit report and no benefits have ever accrued to me ( including e.g. an increase in credit card utilization, etc. ). I have never flown on Frontier Airlines. 

The name on the card and other card information is : XXXX XXXX XXXX XXXX XXXX XXXX expiration date XX/XX/XXXX security code available on request On or about XXXX of XXXX the card was marked as active on my credit report, but not at my request nor by my use of the card. I had applied for the card a year earlier to get a cheap flight from XXXX XXXX to XXXX or vice versa I can not remember the exacts, but I ended up flying on XXXX XXXX Frontier Airlines repeatedly delayed the flight into the next day and I was simply to tired -- both physically and emotionally -- to wait any longer. On XX/XX/XXXX I received an email stating my credit card bill was due in the amount of {$89.00} on or before XX/XX/XXXX ( email available on reqiest ). 

I called the credit card company at XXXX on XX/XX/XXXX as displayed on the card 's backsider to dispute this charge explaining that I have never authorized the activation of the card, use of the card or any other tangible benefit from the card. I requested that the charge be deleted from the card and the card deactivated and cancelled. The woman representing the company apologized to me several times telling me should could not remove the charge of {$89.00} and acknowledged that I had never activated the card. She also could not escalate the call at the time and refused to escalate the call to her supervisor and/or manager. I insisted that she escalate the complaint, but received no satisfaction on this account either.

I am prepared to complain on social media about " The Frontier Airlines Credit Card '' if this matter is not resolved satisfactorily. I am also happy to see them in small claims court if needed. I think this is reckless of them and will stand up to it. I will neither stand for derogatory information to be posted to my credit report. I am happy to have them spend several XXXX dollars if not thousands on representation in small claims and/or elsewhere as the case is escalated. I am sure Frontier Airlines will enjoy the publicity. 

My personal information : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Thank you for looking into this, deleting the charges accrued as a result of that company activating the unused credit card, and canceling the card. I will not be flying Frontier. 

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

With the complexity our credit interacts with our lives today I find Experian 's practices unorthodox. Being a XXXX veteran my income is on the low side so I keep track of my credit score regularly. XXXX and XXXX   are readily available and I hover around 740- 750. My fico is XXXX. On several occasions now creditors have used Experian and they are always 20 -50 points lower. They access the same info and yet they are lower. They are now advertising " Experian Boost '', Join their service and get your score bumped up as much as 20 points. To join they ask for personal info I find over the top and non of their business.Seems to me they are holding your score and reported score hostage to fill their need.
Product: Credit reporting or other personal consumer reports

XXXX XXXX keeps sending me letters saying I am denied for their credit card. These inquires are not mine. I called and wrote asking for them to stop listing me as an inquiry for their credit card. I also asked for the application for evidence.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX Balance Owed : {$18000.00}
Product: Debt collection

This is a XXXX Bill in which it has been paid I have had this removed XXXX times already and once removed the company sales to a new collection agency a they put it back on my credit report! Its already been removed from XXXX XXXXXXXX, and XXXX other companies I would love for this to stop also its showing as a new account opened in XXXX of XXXX which is a lie!!!!
Product: Credit reporting or other personal consumer reports

I was told that my previous FTC report was invalid. I am resubmitting the report. please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

It 's over th e 7 yr sta tue but they continue to report that I 've made payments then stopped like a few months ago when I have not made any payment since  XXXX   XXXX  then they put someone else 's debt on my report when I  call I con tinue to be told someone will call me back but never does and when I ask for proof of all theses payments there saying I made I get a run around yet on the credit report there stating it was charged off in  XXXX  when that is not true it was charged off in  XXXX  this account was opened in  XXXX / XXXX / XXXX  and should be removed off all my credit reports by now or this year not  in 2 mo re yrs t
Product: Credit card or prepaid card

I received a letter from THE HOME DEPOT - Citicard services telling me that they're reducing the limit on my credit card from {$5000.00} to {$500.00} because my balances on my other credit cards on my credit report are reporting to high. My credit balance for my HOME DEPOT CARD is at XXXX, was a XXXX and usually stays at XXXX. I hardly ever use the card and always pay it off quickly, so I don't understand why they would reduce my limit based on my history with them.. I've been a customer since 2016 and have never made not one late payment. I would like to for them increase my limit back up to {$5000.00} without me having to get another inquiry on my report.