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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX, 2018 Talked to supervisor at Professional Adjustment Bureau of Mid-America Inc. who continued to threaten legal action if 10% of debt was not paid immediately. ($XXXX total) I have continued open communication to make notes in the account and arrangements to knock down the total debt until tax returns could pay off balance in full. I made a $XXXX initially and then another $XXXX before XXXX. When I called to make a large substantial payment today (X/X/2018), the associates continued to threaten legal action if I could not come up with 10% ($XXXX) of the money and continue to make $XXXX auto withdraw each month after. I am tired of being mistreated and disrespected, with condescending remarks and being talked down to in a threatening manner. Collections can play by a different set of rules, but not outside the bounds of the law. They prey on the weak and vulnerable using dirty collection business tactics. You can not threaten legal action and use that threat to extort money in order to keep a case or account in your office so credit score and legalities are not effected. You can clearly hear the evidence in the recording of the conversation I have provided.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiry from : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly an unpaid collection for {$5100.00} on partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account has a {$0.00} balance and was opened in 1993. XXXX and XXXX  are reporting this as a paid collection. This account is well over 7 years old and should not be reporting on my credit report. This is a violation of the Fair Credit Report Act. I have contacted the bureaus to fix these issues, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report
Product: Debt collection

Old apartment I used to live in. Before leaving we had an agreement and signed that they owed me {$75.00}. A coupe of weeks later they sent me a bill for {$200.00}. That wasnt what we agreed and just charged me.
Product: Credit reporting or other personal consumer reports

No permissible purpose to access or furnish my copyrighted and trademarked name and image. I never gave consent to your company to use my protected name in commerce. Please cease and desist your actions.
Product: Mortgage

We are senior citizens on a fixed income and recently experienced a pipe burst in our home. We made an insurance claim and was awarded {$10000.00} to address the cost of repairing the damage. As is customary the check was endorsed to the mortgage company as well as myself. when we contacted the mortgage company to be advised on the process they required us to endorse the check fill out additional paperwork and send the check. After waiting over 2 weeks, with no response they advised us that they are holding our check in escrow and will send out a list of requirements that we have to follow win order for them to release our funds, which includes us paying for the expenses upfront before they will release 50 % of the funds in addition, they advised that they will not release the remainder until the funds until they inspect the work. 

They are advising that we have to provide proof of license, W2, Contracts, etc ... all items that ARE NOT required by the Insurance company or the State of South Carolina for flooring repair or wall repair. We are senior citizens who can not afford to pay for the work up front. We are also advised by our insurance company that this is excessive for an insurance check so small.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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.
Product: Debt collection

I received a letter on the mail about a debt : I requested proof of the debt and expounded I dispute this bill and wanted more information on the creditor they are collecting on behalf of o sent the request via email as is stated I could either write them or via email per the letter they mailed me. So I opted to email the company on XXXX XXXX XXXX XXXX XXXX XXXX XXXX instead of getting the documents t requested of the original creditor I received a 10 day demand letter instead!!!! How unfair is this.
Product: Debt collection

I notified ERC twice about an alleged debt owed to original creditor " XXXX XXXX XXXX '' for the amount of XXXX. 

I sent them a letter by regular first class mail back in XXXX of XXXX asking for verification and reporting dispute. They did not respond. I sent a second letter by Certified Mail Return Receipt Requested in XXXX of XXXX requesting a settlement in which I agree with pay a partial amount and they agree to remove the account. They did not respond. 

They have failed to respond either time and have since changed the " Date of Last Activity '' on the account on my credit reports to a more recent date -- harming my credit score. 

I have contacted XXXX XXXX XXXX directly and no one can validate that any debt belongs to me under my social security number or name. 

The company has now violated both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by 1 ) Never sending me an original DUNNING letter that such a debt existed 2 ) Not responding to official requests for validation of said debt nor reporting the debt as disputed 3 )  Updating or " re-aging '' the account on my credit report to make it look current and harming my credit score. 

I am in the process of trying to get a mortgage and this score damage has caused me to not be eligible for the best rate. This constitutes actual harm.
Product: Credit reporting or other personal consumer reports

I filed a dispute on Account # XXXX XXXX XXXX XXXX due to reinvestigation. Experian denied to follow up with my investigation. I recently was notified that CFPB has filed a lawsuit against the company ( EXPERIAN ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This align well with situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remarks be removed or corrected immediately as it's affecting my chances of getting ( houses..cars..etc ). Experian violates my right as a consumer, as well as federal law.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 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 ( 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 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 redres : for these violations.
Product: Money transfer, virtual currency, or money service

my Square account got deactivated, which i dont know how. But XX/XX/XXXX, I put {$85.00} into my Square account, from my XXXX XXXX account. Its now the XXXX & I cant transfer out my Square account, like theyre just holding my money for nothing.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that resulted from identity theft. These accounts do not belong to me and I am the one disputing this fraudulent information. I have already informed the companies involved about the fraudulent activity. Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. Please delete these accounts : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I went to pay my bill, which was a few days late ( like 5 ) and found they had closed my account. Citibank claims I filed a cease and desist with them, which I did not. 
They said they sent it to a collection agency because of this cease and desist.

The Recovery Department " escalated my case for review '' but said it will be 7-10 days before they get back to me. This is unacceptable. Someone should be able to restore my account immediately. I need the records for filing my expenses ( by the end of XXXX ), and now they are unavailable to me. Plus, this will XXXX up my credit score if it is not fixed. 
I believe this was part of some sort of fraud, but I can't get anywhere with Citibank - just " we'll get back to you in 7-10 business days ''. 
I made a payment on this account less than a month ago. I have another account with them in good standing. I have been a customer for over 30 years. I mean come on ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. 

I first noticed this problem when I was late on a payment in XXXX of XXXX. 

I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. 

I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked today ( XX/XX/XXXX ) and it is still not showing up. 

From what I can tell XXXX and Experian are also reporting the same error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I enrolled in college and obtained few federally backed student loans to pay for my education. I XXXX in XXXX & did not have to start paying back my loans until XXXX when my XXXX XXXX grace period ends. Since then I have been enrolled in a forbearance plan due to my limited income. In XXXX I forgot to renew my forbearance and my loans went into default with US Department of Education, afterwards I rehabbed them and am currently in forbearance due to covid-19 cares act, I was assigned a new servicer XXXX. I am in the process of purchasing a home for my family & my mortgage lender can not qualify me for the loan because on Equifax it shows that my student loan with Us Department of Education & is in collections, it also shows the same balance as my rehabbed student loan with XXXX, which is hurting my purchasing power as well due to debt to income. Essentially its a inaccurate duplicate I have done some searching on XXXX and thats why this is my last attempt to fix this problem. I found that federal law mandates removal Of rehabbed student loans 34 CF 682.405 ( B ) ( 3 ). I have sent letters to Equifax and Department of Education to fix this issue & Equifax refuses to fix the issue. 

I do not know what else to do, my lease on my apartment is ending soon and I cant imagine being homeless with my family. I have attached screenshots of my credit report as well as proof from studentaid.gov.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my dispute regarding an inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandated a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as Highlighted in the CFPBs recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I requested that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that are marked as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

XXXX sent me a notice months ago that they are going to discontinue my XXXX XXXX credit card that I have through XXXX. The notice said that I would be getting a Citi Visa credit card as a replacement for the XXXX XXXX card. I then contacted XXXX and told XXXX that I did n't want there Citi Visa card. They told me to contact Citi when the Citi Visa card was delivered to me. I was told by XXXX that I could n't decline the Citi Visa card that I did n't want in the first place. The card recently came in the mail. I called XXXX, Citi Visa, and XXXX XXXX. I was told by XXXX that I could contact XXXX XXXX, cancel my XXXX XXXX XXXX card now ( before XXXX/XXXX/2016 ) and that the Citi Visa card would never be activated, and that I would not lose and accumulated XXXX XXXX rewards. When I called XXXX XXXX they said that I would in fact lose all accumulated reward points unless I waited until XXXX/XXXX/2016 and allowed the Citi Visa card to be activated. I do not believe that I should be forced to open a Citi Visa account that I never asked for, that I have tried every way possible to decline, and be subject to forfeiting accumulated XXXX XXXX rewards.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

open date XXXX/XXXX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date
Product: Debt collection

I am writing to file a complaint against Reprise/ Springlight Financial regarding an incorrect auto loan that is being reported on my credit report. According to my credit report, Reprise has reported that I have an auto loan with them and that I have made a payment, which is completely inaccurate.

I have never had an auto loan with Reprise, nor have I made any payments to them. I have disputed this information with all three major credit bureaus, but the erroneous entry remains on my credit report, negatively affecting my credit score. 

I am requesting that Reprise correct this error by removing the incorrect auto loan reporting from my credit report. I would also appreciate it if the credit bureaus are notified of this error and that they update their records accordingly. They are also reporting under multiple names. 

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

I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XX/XX/ DISCOVER, XXXX, XXXX, 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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX XXXX I looked at My Transunion credit Report And Notices some things are inaccurate and missing according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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: Vehicle loan or lease

I submitted Payments on a Monthly Basis of {$430.00} US Bank Is Claiming I never paid when I did. I than call The Company and they take my call and than put me on a long hold of XXXX to XXXX min why they claim to check records
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX The credit bureaus have failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed along with Inquiries was authorized by me. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified Also under Section 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the Consumer Credit Reporting Reform Act of 1996.

They have refused to supply me with documents and overlook this statue.