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

2 problems : -Account is too old to be reported its been more than seven years since the car was voluntarily surrendered. It was brought to the dealership in XXXX XXXX California in XX/XX/2017. It is now more than seven years since the car was surrendered. 



-Account was never repossessed it was voluntarily surrendered, However company keeps sending erroneous information to XXXX XXXX which is otherwise. Also, as I stated before account is too old to be reported, its been more than seven years since the car was surrendered by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act Portfolio XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights .

15 USC 1681 Section 602 A : states I have the rights to privacy.

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

I know for a fact EQUIFAX, XXXX & XXXX do not have my written permission to report these accounts on my consumer reports.
Product: Credit card or prepaid card

Had a XXXX Credit Card through Comenity Bank ( worst bank ever )! Did not use card and then get charged a fee for not using card so I told them to close the account. I didn't use it that often and to get charged when not using it is ridiculous. But they would not close account and kept charging me {$10.00} so i finally paid {$30.00} to just get rid of them and they finally said they would close account. Several months later I got notice from a collection agency regarding outstanding bill. Now 5 years later it up to {$300.00}. What can I do? This account was closed and bank still charged!!! This is 5 years later!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to XXXX XXXX to apply for downpayment assistance on a house that I would like to purchase. Their site recommends certain mortgage companies. I chose XXXX XXXX XXXX. After the income was assessed, they did a credit check. XXXX uses uses Credit Technology Inc to provide credit checks for their applicants. 
When I checked the three credit bureaus, my credit score were higher than the minimum required by XXXX XXXX. 
The credit report that XXXX was kind enough to share with me indicates " XXXX - SERIOUS DELINQUENCY, AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED XXXX - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN XXXX - LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT XXXX - NUMBER OF ACCOUNTS WITH DELINQUENCY FA - NUMBER OF INQUIRIES ADVERSELY AFFECTED THE SCORE, BUT NOT SIGNIFICANTLY. 
I have uploaded the copies of the XXXX report and the reports from all 3 credit bureaus. The collection was a collection agency on behalf of XXXX XXXX XXXX XXXX which was canceled in favor of another company. 
The notice was be telephone and I had an automatic debit payment that was not discontinued. I brought this issue to XXXX XXXX last Fall. The website does not indicate any accounts nor billing. XXXX XXXX phone agent was adamant that they do not report to the credit bureau and in fact the notice was placed by a collection agency. The agency did not seem to know when or how it was placed nor how to annul it because they can not see it on their end. Now that single notice disqualifies me from purchasing the last home in my life time. 
I am writing to you for advice on how to resolve this issue with the credit so that XXXX can be compliant with the downpayment assistance programs to help me purchase the home of my choice. 
XXXX and XXXX did not include the collection report of {$330.00} in their reports but XXXX did. I have a single revolving account, a XXXX XXXX XXXX credit card. If I purchase a home, I will have the mortgage payment that will be reflected in the credit report. Please help me resolve this last step towards qualifying for a downpayment assistance program. 

Thank you. 
XXXX XXXX
Product: Mortgage

My mom took out a reverse mortgage with Financial Freedom. She will lose her house in court due to foreclosure. Financial Freedom gave her a {$220000.00} mortgage in XX/XX/XXXX for a house that was appraised at {$130000.00} in XX/XX/XXXX. Financial Freedom also used houses that are not comparables. They are in a more prestigious neighborhood. 
It also appears they charged her fees that are not consistent with those on your site including surveying her property which was not surveryed when she bought it 2 year earlier. It appears they also charged her fees in excess of the.XXXX % loan orginiation. 
Everything they have done is horrible. How can they possible steal money
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected or removed the item despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Amount {$700.00}, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ndendeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX OF XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my AMEX - - XXXX, AMEX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX 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

On XX/XX/2020, and XX/XX/2020, I wrote to Experian, XXXX  and XXXX requesting an investigation into items that I believed were Inaccurate .To date, I have not received a reply from any bureau or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.

I was a victim of identify theft years ago and have documentation from the IRS to prove so.

It has been more than 90 days since I have reached out to fix this situation.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that all accounts and inquiries listed below be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently created or affected due to identity theft. 
ACCOUNTS : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$57.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} INQUIRIES : XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I am writing to formally request, pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), that you provide physical verification of the original signed consumer contracts for any and all accounts that are currently being reported on my credit file. 
Specifically, I am requesting the following : XXXX. A copy of the original contract bearing my " wet ink '' signature for each account that is currently being reported on my credit report. 
XXXX. Physical verification that any and all accounts in my name were initiated by me with my full consent, and that you have the necessary documentation on file to support this. 
If you are unable to provide the original signed contracts, I am demanding that the below accounts be immediately deleted from my credit file, as they are not properly verified as required under the FCRA. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance {$420.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance {$4700.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance {$0.00} XXXX XXXX Account Number XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX & XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$2700.00} XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX  Account Number XXXX, XXXX  Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX  Account Number XXXX XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX, XXXX XXXX XXXX  XXXX Account Number XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 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 an account without my written instructions
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 proce 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 39 financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The credit card issuer ( First National Bank of Omaha ), allowed a {$31000.00} transaction to be charged to my account without ANY authorization by me ( cardholder ), and without my knowledge. The merchant ( XXXX XXXX ) charged this {$31000.00} transaction to my credit card on XX/XX/2023 without any prior authorization or consent ( written or verbal ) on my part. They just went ahead and charged my credit card, and XXXX just allowed it to go through. No one even blinked an eye. 

First National Bank of Omaha 's dispute/fraud department was contacted on several ( 4-5 ) different occasions. I spoke with representatives, supervisors, and invested hours of my time to explain that I did not want the charge to go on this credit card and that I did not authorize this transaction. I did purchase products from XXXX XXXX for this amount but in all my previous transactions with them, the products were delivered and an invoice sent, which can then be paid by the customer 's method of choosing. 

Not only did I not get an invoice, they ( XXXX XXXX ) went ahead and just charged the credit card of their choosing ( without my authorization ), and not only that, not ALL of my products were delivered. However, the issue here is XXXX, who does not have any fraud protection mechanisms in place to verify such a large transaction amount with their customer ( the cardholder ), and then refused to even acknowledge that they were in the wrong and to dispute the transaction. They're in bed with the large corporate companies that they're contracted with. That's who their actual customers are, not me or any other " little guy '' cardholder. 

I would steer very clear of XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX sold my information to High Desert Creditors Services I sent a verification of debt for the High Desert Creditors Services to provide me with a contract where I contracted with High Desert Creditors Services they responded to me onXX/XX/2016 where they stated that was a verification of the debt just to be clear a verification of debt has to be sent by the original creditor and it also has to have my wet ink signature the letter that was sent to me there is no wet ink signature where I contracted with the original creditor with that being said
Product: Credit card or prepaid card

Initially given $ XXXX credit limit. Used {$1100.00}. Tried to make {$700.00} purchase - declined! Found out limit lowered to {$1500.00}. Was never late making payments, always paid a little more than minimum. Was never told limit lowered. Seemed unethical & illegal for them to do this.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report, as I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file. These accounts were opened or reported without my authorization. 
Fraudulent Accounts to be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was reviewing my credit report and I noticed an several medical accounts from XXXX  XXXX XXXX XXXX This information is inaccurate. All accounts were paid.
Product: Credit reporting or other personal consumer reports

I've reached out to transuniom via phone, and mail to dispute XXXX XXXX XXXX XXXX. Their investigation was less than 30 days and even after submitting proff from the company transunion will not remove this I'm accurate information that is causing problems with obtaining credit.