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

I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXXXXXX is inaccurate because all payments were made on time and in accordance with loan documents. I am requesting that this item be removed or updated to paid as agreed on time. FCRA has laws such as the ones below that I have found to ensure that consumers are protected. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( XXXX ) 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. 

15 U.S. Code 1681e ( b ) Accuracy of report 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. 

These inaccurate late payments have caused damage to my ability to receive the appropriate efficiency meant to help me as a consumer. 

I have screenshots of payments made to lending club and bank screenshot to go along with payments made yet they did not credit as per loan agreement. In addition, I have the original loan document stating which payments would be due showing that none of them were XXXX days late based on payments being due on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There a XXXX XXXX that has been added to my TRANSUNION Credit Report! My address and only ADDRESS IS XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX THATS BEEN MY ONLY ADDRESS FOR OVER 6 YEARS. A XXXX XXXX  CAN NOT BE ADDED TO A CREDIT REPORT BECAUSE LENDERS DONT ACCEPT XXXX XXXX ES AT ALL NO LENDERS IN THE UNITED STATES ACCEPT XXXX XXXX XXXX EVER!!! LIKE IVE TOLD CREDIT BUREAU TRANSUNION NUMEROUS TIMES TO TAKE OFF XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT YOU STILL REFUSED AFTER NUMEROUS DOCUMENTS FTC REPORT, CFPB REPORTS, XXXX XXXX XXXX REPORTS, POLICE REPORTS AND NUMEROUS DOCUMENTS FOR OVER 6 MONTHS OF DISPUTING AND NOW SEE A XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX WAS ADDED TO MY CREDIT REPORT AND THE BUREAU KNOWS THAT THATS NOT ME!!! A XXXX XXXX CAN NOT BE ADDED TO A CREDIT REPORT BECAUSE NO LENDERS IN UNITED STATES ACCEPTS XXXX XXXX XXXX! AND AS YOU ALSO SEE THE ZIP CODE ON THAT XXXX XXXX IS NOT AND REAL EXISTING ZIP CODE FROM THE UNITED STATES AT ALL? THATS NOT A REAL ZIP CODE IN THIS COUNTRY!!! BUT YOU STILL ARGUED WITH ME NUMEROUS TIMES ON THE PHONE AND IGNORED MY DISPUTES BECAUSE THEY KEPT COMING BACK VERIFIED ON MY CREDIT REPORT. NOW YOU KNOW AND COMPREHENDING THAT IT WAS NEVER ME IN THE FIRST PLACE!!! IM REQUESTING {$1000.00} FOR VIOLATING MY FCRA AND CONSUMER LAW RIGHTS FOR EVERY SINGLE VIOLATION BELOW 6 MONTHS ( EVERY MONTH YOU KEPT ALL THIS FALSE INFORMATION ON MY CREDIT REPORT HURTING MY FAMILY ) PAIN AND SUFFERING!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This account is NOT MINE. I am a victim of Identity Theft. I have disputed this account with the credit bureaus and XXXX and the account has not been removed.
Product: Credit reporting or other personal consumer reports

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


Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX
Product: Debt collection

OPORTUNPROG ACCOUNT # XXXX, sent dispute letter, never sent original contract, to verify debt, this is a fraud account, company will not delete off my report XXXX amount {$1100.00}, this is a chargeoff account with past due XXXX XXXX XXXX XXXX sent dispute letter, never sent original contract, to verify debt, this is a fraud account, company will not delete off my report XXXX {$4000.00} past due {$95.00}
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 ). I was scammed out of at least {$2500.00} in spring of 2024 and was not able to speak with anyone or address any problems. The process for disputes were unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. I seek appropriate redress for these actions.
Product: Debt collection

Federal law makes it illegal for debt collectors to use unfair or abusive practices or deceptive statements to collect a debt company of violating state consumer protection and debt collection laws and regulations.
Product: Credit reporting or other personal consumer reports

My husband and I bought a couch set from XXXX XXXX XXXX in XXXX of XXXX. We split the purchase since rooms to go provided us with a refund through our warranty but that was credited to his account since the sale generating the refund was done by him-my husband XXXX XXXX XXXX 
In XX/XX/XXXX I got a notification that my own XXXX XXXX XXXX store credit card was over the limit which is literally not possible since at the time of purchase only available funds on the account could go towards the purchase. 
This caused my credit score to drop immediately I called rooms to go explaining the situation that they overcharged my account but only got sent around and round in circles from one manager to the next. 
I took it a step further and contacted synchrony who informed me that they see the mistake but would need rooms to go to validate and update on their end so it can be reflected in their systems. 
I waited 6 weeks and nothing happened. Just promises to follow up with me. 
I went in the stores - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I spoke with the managers there as well as had a conversation with a XXXX XXXX XXXX XXXX representative while in the store and explained everything again. 
The representative Stated he was not able to provide me with a transcript of the call but they have logged the case and will begin investigating. 
Because of the overcharge I could no longer afford the monthly minimum although I continued to make payments at the time. 
More time went by and no one followed up I have written proof from a manager at the store admitting that they did overcharge me and was instructed to follow up with a XXXX  manager who never got back to me. 
Efforts with XXXX XXXX  were wasted as they refused to provide me with detailed accounts of each transaction and pay, eng to the account to help establish the errors. They also did not do their due deligence in validating the errors on my credit reports and fixing my account. 
They have closed the account and I am still, a year later dealing with this mess and no I do not qualify for anything. 
I have retained a consumer lawyer- XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX 
Phone number XXXX since XX/XX/XXXX but they are still getting push backs and nothing has been done yet. This is significantly derailing my mental health and my familys well being and I am asking that this debt be correctly validated with proof-my signatures next to each purchase everything, how they came up with all their values and fees and if not all my credit reports need to be corrected and updated and all derogatory remarks removed.
Product: Credit card

Amex ran a very misleading marketing offer on the XXXX XXXX XXXX XXXX where they ran a 0 % APR offer. I was approved for the credit card but not for the offer and this was not made clear to me so they went ahead and charged me interest on the balance, all the while I was under the impression that it was 0 % XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is not my debt. I have no signed contract with National Credit Management. I have never done business with this company, and therefore am not obligated to pay on this debt.
Product: Money transfer, virtual currency, or money service

Hello, Im currently a member of Freedom Debt Relief and have been a member for since XX/XX/2017. I was told that all my debt would be resolved in 5 years! 

I feel as though Im being scammed because I recently found out that over three years Ive deposited over {$4500.00} dollars to settle debts and only {$800.00} dollars of my debt has been paid off. Please help. 

They wont even give me a ledger to see where all my money has been going. They also gave me a number for XXXX to obtain my ledger but apparently their offices are officially closed due to covid and I cant get ahold of a representative. 

Ive been paying {$230.00} dollars a month for three years and only {$800.00} dollars of debt has been paid. This is absolute fraud. Please help. 

-XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Delete this account. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Delete this account. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX  Delete this account.
Product: Checking or savings account

I opened an account with Suntrust ( Truist ) on XX/XX/2020. The account was funded with an initial {$100.00} ( also XX/XX/2020 ) and I subsequently had two deposits from the SBA for the EIDL grant {$10000.00} ( XXXX XXXX ) and deposit of {$25000.00} for the loan. On XX/XX/2020, I was contacted and asked to provide a EIN letter of verification. I submitted it and was informed my account was approved. On XXXX XXXX when I logged in to the online account, I noticed there was no checking account listed. I called and was informed my account was being closed. I asked why, she said because no deposits had been made which is odd because I had two. She also confirmed that it would take 10-15 business days and they would send the check by mail. During my wait, I received an email invite to complete a survey and I did. I had been extremely disappointed with my experience with the bank and I voiced that in the survey. A representative from the company, XXXX XXXX contacted me on XX/XX/XXXX and told me that the reason I had received my check was because the fraud department put a hold on my account and I needed to send in notarized proof of business. I submitted that XX/XX/2020 at XXXX XXXX CST. XXXX acknowledged my email XX/XX/2020 XXXX XXXX CST. It is XX/XX/2020 and I have yet to receive a check. I called in at XXXX XXXX CST and was informed by representative that they were still " closing the account ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX gave me a credit line without having me apply for it. I logged in one day and there was a credit line for {$10000.00}. So I started spending it and received grossly high bills. When I called them to ask about the fee 's and interest and informed them I never agreed to the terms or even applied for the credit line, they stated I agreed to the terms as soon as I spent the first dollar. I made an honest attempt to repay them until the interest + fees + " other '' exceeded the balance and then threw my hands up and refused to pay it. It was a bottomless pit of hopeless fee 's. 

I received a letter in the mail years ago stating there was a class action suit against XXXX for doing this same thing to other people. I received a check for {$2.00} as a settlement for the suit. 

My limit on the account was {$10000.00} and they reported {$12000.00} and now it's $ XXXX. 

The account # XXXX is the credit line that I never applied for. I'm trying to buy a house and this XXXX mark is really hurting my credit score and I refuse to pay them for this slimy predatory action. Someone suggested filing a complaint with you in hopes you can have it removed.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2019 I used the XXXX product offered by Bank of America to transfer {$500.00} to an individual in order to purchase concert tickets. 
Once I realized I was a victim of fraud and didn't receive my merchandise I immediately contacted Bank of America. 
The transaction was still in progress, however, Bank of America indicated there was nothing they could do other than launch an investigation that could take approximately 10-45 days to complete. 

The XXXX website ( XXXX XXXX ) advertises how safe and secure their service/product is and the protection that is offered to you as a customer. 

This is the first time I've used the XXXX product, however, this is a big problem as many new organizations are reporting the vast amount of fraud occurring when utilizing this service. 

My funds were transferred via XXXX to an individual 's XXXX XXXX account, how can this problem not be caught in time and reversed. I notified my bank while the transaction was still in process.
Product: Credit reporting, credit repair services, or other personal consumer reports

EOS CCA, a third party collection agency, collecting on behalf of XXXX XXXX has falsely reported a balance on my credit report of {$160.00}. There was a previous balance of {$540.00} which was settled for {$420.00} and paid in full early XX/XX/2019 in order to secure affordable rates for refinancing of my vehicle and a suitable interest rate for pre-approval of a home mortgage. I reported the information as false with the credit bureau and I believe the company continued to show the negative balance on my credit report hoping I would call back in desperation to remove it. This has affected me as it has given me unfavorable rates for refinancing and securing other financing as my credit score was tremendously impacted.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act and because 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 Regulations E. These actions have caused me financial loss in the amount of {$750.00} i tried to get help and there was none so I deleted the app and never used it again. Im seeking appropriate redress for those violations.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding the failure to remove fraudulent items nor the old information from my credit report. Despite my previous four attempts to address these fraudulent items, they remain on my credit report, significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ), including submitting police reports, affidavits, and other supporting documentation to the credit reporting agencies. However, the agencies have not taken the necessary steps to investigate and remove these fraudulent items. 
The continued presence of these fraudulent items on my credit report has resulted in numerous negative consequences, including denial of credit opportunities, increased interest rates, and significant stress. Please help me remove these items immediately : XXXXXXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX  Balance : {$380.00} XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$0.00} Original Creditor : XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$380.00} XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$6700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XX/XX/2019 I sent a certified letter to Waypoint Resource Group, RE : Account XXXX. The letter was received on XX/XX/2019. The letter was requesting that they validate the said debt that they are alleging to be mine am attempting to collect from. I specifically asked for signed documents, I asked for an agreement that I am obligated to pay them, and any supporting documents. They have failed to adhere to my request. They have not corresponded, they have not cease collection activities on my credit reports. They have done nothing as the date is now XX/XX/2019. I ask requesting that they remove and delete all negative activities from my credit report as they have failed to adhere to the certified letter I sent that was received.
Product: Credit reporting or other personal consumer reports

I sent certified letters requesting the removal of inaccurate addresses. The only address that should be reflected is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i REPEATEDLY HAVE SUBMITTED DISPUTES ON XXXX XXXX XXXX. IN REGARDS TO WHAT THEY ARE REPORTING, AND I HAVE FILED DISPUTES WITH EXPERIAN, XXXX XXXX, AND XXXX. XXXX HAD CHARGED OFF THE ACCOUNT IN XX/XX/2018. THE BALANCE AT THAT POINT WAS XXXX. THE ACCOUNT IS CHARGED OFF AND CLOSED. XXXX  CONTINUES TO ADD PAYMENTS EVERY MONTH AND REPORTS IT TO EXPERIAN WHO LISTS THIS INCREASING BALANCE, THE BALANCE INCREASES, IT IS THE ORIGINAL CREDITOR. I UNDERSTAND THEY HAVE THE RIGHT TO COLLECT THE XXXX HOWEVER THEY DO NOT HAVE THE RIGHT TO KEEP ADDING FEES EQUIVELANT TO MY CAR PAYMENT, I HAVE ASKED REPEATEDLY FROM XXXX AND EXPERIAN TO VALIDATE THAT THEY HAVE THAT RIGHT IN MY CONTRACT TO DO SO, HOWEVER NO ONE WILL SHOW ME MY SIGNED DATED CONTRACT AUTHORIZING THE CHARGES AS IS MY RIGHT TO RECEIVE. AT THIS POINT I WANT THEM REMOVED FROM ALL BUREAUS THEY REPORT TO.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XX/XX/XXXX- XXXX - {$5300.00} XXXX XXXX - XXXX - {$1800.00} =