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

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX  XXXX Balance : - ; XXXX  XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX. ) XXXX Balance : {$320.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX  ) XXXX Balance : {$940.00} ; XXXX XXXX XXXX ( XXXX XXXX  ) XXXX Balance : {$680.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$740.00} ; XXXX  XXXX XXXX  XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$630.00} ; XXXX XXXX Balance : {$880.00} ; XXXX  XXXX Balance : {$1000.00} ; 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationXXXX. Please delete the following accounts. US DEPT ED- XXXX XXXX XXXX- XX/XX/XXXX Balance {$1000.00} XXXX U S DEPT OF EDXXXXXXXX XX/XX/XXXX Balance. $ XXXX XXXX XX/XX/XXXX Balance $ XXXX XXXX  XXXX. {$270.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX Balance. {$650.00} << XXXX XX/XX/XXXX XXXX. {$1200.00} XXXX XXXX XX/XX/XXXX XXXX. {$1000.00} XXXX XXXX XXXX XX/XX/XXXX Balance. {$12000.00} XXXX XXXX- XX/XX/XXXX XXXX. {$720.00} XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

On three separate occasions, I told Chase I had insurance. 1- when I bought my home and had to have proof of insurance, 2nd time in XXXX after I had uploaded that same proof of insurance because chase demanded proof of I was ensured and purchased insurance using my escrow without my permission although I was already insured ( corresponding reference number for that call is XXXX ) that time funds were refunded and a third time when I called on XX/XX/XXXX after they again committed the same act of fraud again ( case # XXXX with chase ) upon which I filed an FCC complaint the agent I spoke with XXXX said I would be refunded in 7 days and I was never refunded to my escrow account. I choose to get insurance solely through my insurance agent and so chase going behind my back with evidence they should not is both illegal and fraudulent and infringes upon my right to choose against my fiduciary rights as a consumer.
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. 

Account name : XXXX XXXX XXXX Account NUMBER : # XXXX, Account name : XXXX XXXX XXXX XXXX, Account 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: Mortgage

On XXXX XXXX, XXXX, I went into my local Fifth Third Bank and paid off my Mortgage Loan in full. I was told to pay my XXXX payment of Property Taxes. I went to the Court House and paid my Property Taxes. In XXXX I received a letter from the Court House that 5/3 had also paid my Taxes. 
I then went online to my banking and saw that my Mortgage had Not been paid off. I contacted the local branch and found out that instead of applying my money to payoff, they took out a payment that was Not due until XXXX XXXX, they had also paid the Property tax. This should never have happened as it was paid off on the XX/XX/XXXX 
Then by the first part of XXXX, I started getting collection calls on this Mortgage and also mail every day saying I was in default.I even received a Foeclosure letter via Registered mail.I have called faxed and gone into the bank daily to resolve this. I went in and paid the {$350.00} that they had paid on my property Tax. I keep getting told on a daily basis that this will be resolved in 2-3 business days. It has been 73 days. This is ample time. The money shows on the account as unapplied. I do n't know what else to do. I have my paid receipt and the payoff letter from them. I have hired an Attorney. This is Harrassment and I have spent countless hours trying to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many errors within this listing. Thoroughly investigate and please update for lawful accuracy. Below are the inaccurate items from my credit report : Charge-off XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Collection XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX # XXXX XXXX XXXXXXXX # 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

XXXX   XXXX ,  2016 I used Equifax automate d system to dispute  XXXX  instances of a late payment. I tried several times to follow up : by phone, by email " direct link '' and by forums for people who are coping with how to deal with Equifax. Every phone  call  leads to a loop : you 're directed back to the website. There website is never updated. There is no option to leave a voice message. There is no option to speak to a live person. There is no way to get through. I just want an answer to my confirmation number  XXXX .
Product: Credit reporting or other personal consumer reports

I am not able to give you exact dates, balances or creditors at this time because I can not get access any if the 3 credit bureaus. I have been disputing approximately XXXX accounts that were opened with my name and social security number for approximately XXXX years. I have paid for identity theft, I have proof that my social security number was part of a data breach and these accounts are on all 3 credit reports as charge offs with my name and social security number
Product: Credit card or prepaid card

On XXXX XXXX,2017 my Dentist issue a charge back of {$600.00} to my CARECREDIT credit card account due to an overcharged from my recent XXXX XXXX, I contacted CARECREDIT to issue a check for {$600.00}, which they happily agreed upon my request..It is now XXXX XXXX,2017..over a Month Already, and No check! I called and the Phone Rep. always gave me the run around " the check is in the mail '' speech line.I have been getting all my other mails, but nothing from CARECREDIT..I also did research and they are known for FRAUD and CORRUPT activities..I do not want to be the next victim ... Please Help me..
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint against Equifax XX/XX/XXXX. They leaked my info, refused to update my name after I had a legal name change, refused to send my Credit report regardless of my sending legal documents to them showing proof of my identity. 

I filed a complaint with CFPB and Equifax FINALLY updated my name and sent me a copy of my credit report. Finally, assuming that my file has been corrected, I have called repeatedly to verify that there is no longer a security freeze on my credit file, only to be told that no one can help me, that I must speak to their consumer affairs dept. I called XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told at these times that their " Systems were updating '' and they could not do anything to assist me. 

I called XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX varying between the general customer service line and the security dept. The security dept, after verifying my identity, tells me that they can not assist me because my file has gone to the dept of " consumer affairs '' and that dept is only open XXXX m-f. I ask repeatedly for contact info for the consumer affairs dept and am told that there isn't any, the only way to contact them is to be transferred. I work in an office XXXX m-f. So I called during my lunch hour on XX/XX/XXXX at XXXX XXXX. I am transferred to the consumer affairs dept. I wait on hold for 40 minutes before I hang up and try again. I explain that I am on my lunch hour and have been waiting on hold for 40 minutes. I request someone from the consumer affairs dept contact me. I am told this is impossible. Again, I explain that my lunch hour is over in 15 minutes and I have now been on hold for 45 minutes. The person says to please hold and that they will try to contact someone in that dept. 

I wait for another 15 minutes until the end of my lunch hour, to no conclusion. 

My lease is up on my apartment XX/XX/XXXX and I can not get a new one without a credit check. Equifax is preventing me from getting housing due to their gross negligence and security failure. 

I filed a previous complaint XX/XX/XXXX with CFPB regarding the name change issue. Equifax stated XX/XX/XXXX that they are still working on it, and no update since. How long is this going to take?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian for failing to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) regarding a reinvestigation of disputed information on my credit report. Despite my dispute regarding inaccurate or unverifiable accounts, Experian has failed to conduct a reasonable reinvestigation, leaving the erroneous information unresolved. 

I initially disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by Dispute online, phone, and certified mail. Under the FCRA, Experian is required to conduct a reasonable reinvestigation within 30 days and remove or correct any information that can not be verified. However, Experian has either failed to investigate properly or has continued to report inaccurate information despite a lack of proper verification. 

Despite calling to verify my identity and confirming that I am the one making these disputes, Experian continues to close my disputes without conducting a proper reinvestigation. This repeated failure to address my concerns has further delayed the resolution of these inaccuracies and has caused undue hardship. 

The continued presence of these inaccuracies on my credit report is causing me financial harm. I have made multiple attempts to resolve this matter directly with Experian, but my concerns remain unaddressed. 

I am requesting the CFPB to take immediate action to ensure that Experian complies with its legal obligations, including : Conducting a reasonable reinvestigation of the disputed accounts, Removing or correcting any unverifiable or inaccurate information, Providing me with an updated copy of my credit report reflecting these corrections. 

I have attached copies of my dispute letters, Experians responses, and any supporting documentation that demonstrates my claims. 

I appreciate your prompt attention to this matter and look forward to your response. Please contact me at your earliest convenience if you require any additional information.
Product: Credit reporting or other personal consumer reports

Here is a list of the unauthorized inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of my Equifax credit reports dated XX/XX/XXXX,  I noticed the following credit inquires on my report : ( See attachment ) The ( 3 ) five following unauthorized hard inquires which impacted/lowered my credit scores were placed on my credit reports by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX, ( XXXX ) XXXX, without my knowledge or consent : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax On XX/XX/XXXX, I went to this dealership to look at and possibly purchase an advertised XXXX XXXX . Although I had arranged for my own financing I was told in order to discuss and agree upon pricing I had to complete an application, I could not negotiate a deal without first completing XXXX application. 

I specifically and repeatedly told the salesperson I did not want to run credit reports, place any unnecessary hard inquires on my reports which would had an immediately impact on my credit scores or apply for any credit with their lenders, just wanted to negotiate and agree upon pricing on a vehicle. 

XXXX XXXX agreed the inquires were made in error, promised to contact Equifax submitt request for deletions/removal. According to XXXX XXXX an request was submitted several times to Equifax. 

I reached out to Equifax on XX/XX/XXXX, tried to dispute the above mentioned inquires and was denied. According to Equifax an conumer can not dispute inquires or removal. 

I explained to Equifax under the FCRA any inacccurate information can be disputed by the conusmer and removed, in addition provided copies of letters from all parties asking Equifax to remove above mentioned inquires. Equifax not only refused to take my dispute but also refused to remove said inquires in direct violation of the FRCA.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023 I did work for a client and was paid by her via Zelle - her bank XXXX, paid my bank XXXX XXXX  In XX/XX/2023 Client was reconciling her bank account and didn't recognize the transaction from XX/XX/2023, she called XXXX and complained - XXXX  logged it as Fraud and returned the $ to client from my account XX/XX/2023 XXXX XXXX  called me and notified me of a fraud claim against me- I explained it to them and sent them invoices and the work I did for the client XX/XX/2023 I asked my bank to unlock my Zelle account since I couldn't send money or receive it They notified me to contact the claimant - XXXXXXXX XXXX customer - and have her rescind the fraud claim Both banks have opened my Zelle account, but Zelle still has me locked out with no way of removing my suspension They are acting as judge, jury and executioner - I thought we were innocent until proven guilty Zelle doesn't work like that and needs to be held accountable for ruining my reputation
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The week of XX/XX/XXXX I sent validation/ verification to XXXX , Equifax , and XXXX because XXXX/XXXX XXXX was on my credit and I disputed because I never had an account with XXXX/XXXX but I never received any info showing it was mines. I notice on my credit person the XXXX bought the debt from XXXX/XXXX. I never recieved validation from XXXX so they were deleted from XXXX and XXXX. However XXXX is still on all three bureaus. Equifax wouldn't delete XXXX even though they never could prove the debt to be mines. Also Equifax couldn't clarify why both XXXX and XXXX are both on my credit if it's the same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my Chapter XXXX Discharge paperwork NUMEROUS TIMES!!! Due to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had and the judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, had reported to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. 

2 years later, they decide to pass it off AFTER BANKRUPTCY to a XXXX  for " collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! 

I am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a law suit against them and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to my credit. I have had ENOUGH! 

HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? 

PLEASE!!! LOOK at the attachments! THE DISCHARGE PAPER FROM THE COURT is CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!
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, 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 proc 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: Debt collection

I have received over 40 calls from Conn 's Furniture & Appliance Store. I have told XXXX different supervisors that right now I am only working part time due to storm damage at the facility I work at. The last time I spoke to a supervisor I told them I was hopefully getting/starting a new job within that same week. Since then, I have received numerous calls that I do have proof of ( pictures & phone logs ). I have spoken to associates calling me and told them to stop the calls. The calls start at XXXX and come in every hour or two. I am very displeased and would like to take this issue as high as it could go. This should not be happening especially after I 've told them my situation. I also want to mention, I have told them I will pay them what I can until I start a new job and have the means to catch up on bills. They are relentless. They have used different phone numbers but all with the same area code of ( XXXX ).
Product: Debt collection

Amcol Systems Inc. put a collection on my credit. 
They never contacted me or anything. They just put it on my credit. It only says medical. I don't have any outstanding medical debt. I have medical insurance. 
I have sent a validation request to this agency according to the Law of the FDCPA SEC. 809B Amcol has not responded. this has been going on for over 90 days.