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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the accounts listed below. 

I am sure you are aware and understand that it is required by Federal law that Creditors and Credit Reporting Agencies must take proper care in ensuring the accuracy of this information with my accounts; adhering to this of the utmost.

In this regard, I hereby request the following steps to remedy this situation to ensure compliance with all provisions of the Fair Credit Reporting Act, Metro 2 Compliance, and the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with the above-mentioned Laws regarding my Credit file for each of the following accounts : XXXX  XXXX XXXX collection. Demand deletion Bureau : XXXX XXXX : XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 120 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed is Not Reported Last Verified is Not Reported Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX Bureau : XXXX XXXX XXXX XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 120 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed is Not Reported Last Verified is Not Reported Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX Im seeking written evidence of timely billing and the posting of all payments I made on each account, regardless of whether you claim they were late from the time these accounts were opened to this present date. pursuant to 15 U.S. Code 1681g - Disclosures to consumers If you are not able to provide me full disclosure that I am legally entitled to have in writing. Please notify me within 30 days that you have deleted all late entries from my credit report.

Im thanking you in advance for attending to my requests promptly Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

account.

( 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 for these violations
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A letter was sent from ADVANCED CALL CENTER TECHNOLOGIES LLC about a XXXX credit card by XXXX XXXX. 

This company, XXXX credit card XXXX XXXX  changed the address without my authorization. The address on the letter is only a forwarding address to mail to. All correspondence should be sent in a brown envelope with any letter statement with the original address. 

Secondly contact was made with this comp any. I asked them to recall the debt to the 1st party. The rep stated they are XXXX XXXX and can not do that. This company is debt collect tor and not part of XXXX XXXX they are a th ird party. 

ForThe ( insert name ) changed my address without authorization from me the account holder. The company changed it because it was forwarded to a different address only for the purpose for " care of '' mail. The company never notified me for authorization nor was i given notice of the change until i received my mail from the care of address did i notice the company changed it automatically without consent. purposes of this complaint they are to Cease and desist all communication via phone and mail Restore the original address on the statements Recall send the debt back to the 1st party
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021
Product: Checking or savings account

I have not received my direct deposit from my employer, which was scheduled for Wednesday, XXXX XXXX XXXX  Today is XXXX XXXX XXXX XXXX, at XXXXXXXX XXXX and the funds are still not available in my account. This delay is unacceptable and has caused significant financial hardship, as I rely on these funds for essential expenses. 

I attempted to contact Capital One regarding this issue. However, when I called, the automated system stated that the approximate wait time to speak with a representative was two hours. I could not remain on hold for that long and had to hang up.

Additionally, I checked Capital Ones XXXX account for updates, where they provided a generic response stating : We are focused on a full resolution to this issue and are working around the clock to restore full functionality as soon as possible. We apologize for any inconvenience that this disruption has caused you and can assure you that your accounts are secure. 
This same update has been posted since this morning with no new information or resolution provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I identified several incorrect addresses listed on my reports from all three major credit bureaus : XXXX, Experian, and XXXX. These addresses are : I disputed these addresses with each credit bureau via certified mail on the same date ( XX/XX/2024 ) and requested their removal in accordance with the Fair Credit Reporting Act ( FCRA ). While all three bureaus responded within 30 days, they all denied my request. 

The presence of these inaccurate addresses on my credit report is a violation of my right to privacy under the FCRA and could negatively impact my ability to obtain credit and other financial products. Additionally, having my personal information, including future credit offers, sent to addresses where I don't reside is a significant security concern. 

In my dispute letters, I included copies of documents verifying my current address, such as a valid government-issued ID and a recent bank statement. 

I request that the CFPB investigate this matter and ensure the credit bureaus comply with the FCRA by removing these inaccurate addresses from my credit report. I appreciate your time and attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. someone used my personal info to obtain a student loan. I contacted the creditor and the reporting XXXX and submitted a ftc report along with a police report and they still are reporting inaccurate information damaging my credit.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint : Dispute of Inaccurate Credit Report Information Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding inaccuracies on my XXXX credit report, which have negatively impacted my financial opportunities. Recently, my application for an apartment at XXXX XXXX XXXX XXXX was denied due to incorrect credit information provided by XXXX through Resident Verify. 

The adverse action letter states my credit score as XXXX and references delinquent accounts. However, my XXXX score is XXXX, and all delinquent accounts have been paid in full. These errors remain unresolved despite my efforts to dispute them directly with XXXX. 

I am requesting your assistance to address the following issues : 1. Ensure my accurate XXXX XXXX of XXXX is reflected. 
2. Remove any references to delinquent or derogatory accounts that I have resolved. 
3. Confirm my credit history accurately reflects recent payment updates. 

I have attached the adverse action letter and can provide proof of payments if needed. These inaccuracies have caused significant inconvenience and harm, and I kindly request your intervention to ensure these issues are resolved promptly. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

this company has been reporting an account that i do not recognize on my credit. I've previously recieved phone calls and have tried to resolve because it is hindering me from getting a home to rent. i know that the law is contract and i do not have a signed contract with this company. they have also illegally obtained my personal nonpublic information without my authorization which is in direct violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My information was compromised and my identity was stolen. My life is not mines and this has to stop. I reached out to the bureaus on XX/XX/XXXX of last year. I went through all the procedures of what happens when your information is stolen. The bureaus have not done anything on my behalf. I called, sent in certified mail as well as faxed. I have decided to pursue legal action against Transunion, XXXX and XXXX.I have hire a lawyer to assist me in getting my life back because the bureaus are clearly not interested in helping me.XXXX  XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX fl XXXX has looked into my case and notice several breaches in the FCRA by Transunion, XXXX and XXXX. 

Here are a list of the Accounts and inquiries that are fraudulent and continues to report XXXX XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4700.00} inquires XXXX card XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4700.00} Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX XXXX XXXX Customer Service Manager at XXXX  XXXX XXXX Email : XXXX XXXX XXXX Operations Manager XXXX  XXXX XXXX XXXX XXXX CEO CEO XXXX Americas XXXX XXXX XXXX XXXX CFE CCIA Compliance Fraud Investigator XXXX North America XXXX XXXX XXXX CEO North America XXXX   PLC XXXX XXXX XXXX XXXX President US Commercial Services and Chief Client Officer XXXX  XXXX XXXX XXXX XXXX President XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Svp US consumer Information Services XXXX XXXX XXXX SVP Chief Compliance Officer XXXX XXXX XXXX XXXX XXXX CRCM VP/Sr Manager of Regulation and Compliance XXXX  XXXX XXXX XXXX XXXX Senior Vice President Enterprise fraud/ID Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corp Corporate vice president chief legal officer XXXX XXXX XXXX TRANSUNION XXXX XXXX EVP Compliance and Litigation Transunion Corp XXXX XXXX XXXX Executive Vice President Transunion Corp XXXX XXXX XXXX Director Fraud and Identity management Transunion Corp XXXX XXXX XXXX Senior analyst consumer experiences Transunion Corp XXXX XXXX XXXX Director-Transunion Consumer Interactive Servicing Transunion Corp XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts anf inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft to the federal Trade Commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS : XXXXXXXX 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, credit repair services, or other personal consumer reports

This is my XXXX endeavor 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, SC 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
Product: Credit reporting or other personal consumer reports

I disputed the account XXXX XXXX Account # XXXX with the bureaus and had advised them this account belonged to an ex-spouse and that I am not responsible for this account. I asked that this account be removed from my report due to not having ties with the account. The account has been paid off by the account holder listed on the document I am uploading and have advised the bureaus of this information as well. The creditor however updated the account to reflect my current address with the account holders name who again is an ex-spouse and has never lived at the address noted on the payoff letter. Since the account has been paid off the creditor is no longer able to do any adjustments to the information that I have notified them of. The bureaus have listed this account as closed but it should not be listed on my report at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEVER GIVEN TRANSUNION, XXXX OR XXXX ORAL OR WRITTEN CONSENT TO PLACE THESE ACCOUNTS ON MY CREDIT FILE. THIS IS ALL FRAUD '' XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX and XXXX ACCT # XXXX XXXX. COLLECTION UNLIMITED A. THESE ACCOUNTS NEEDS TO BE DELETED TRANSUNION IS VIOLATING MY RIGHTS AS A CONSUMER THIS IS FRAUD. 

XXXX XXXX IS VIOLATING MY RIGHTS AS A CONSUMER AND THEY NEED TO DELETE THESE COLLECTIONS IT IS FRAUD. 

XXXX XXXX IS VIOLATING MY RIGHTS AS A CONSUMER AND THEY NEED TO DELETE THESE COLLECTION OFF MY CONSUMER FILE
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
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 inancial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out letters via certified mail requesting that the company verify the alleged debt and inaccurate information on my report. The USPS tracking showed the letters were delivered on XX/XX/2020 and then follow up letters were mailed and delivered on XX/XX/2020, XX/XX/2020 XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any updates nor have I heard of any investigation being conducted. Per the FCRA, the company has 30 days to complete their investigations and here we are more than 200 days later and not only are the inaccuracies still reporting on my report, they aren't even under investigation. The multiple sets of letters have been disregarded and my rights have been violated. I'm contemplating legal action as the next step if this warning does not show how serious I am about my disputes.
Product: Credit reporting or other personal consumer reports

Recurring Issue with Accessing Equifax Credit Report and Adverse Financial Impact I am writing to express my deep concern regarding a recurring issue with accessing my Equifax credit report, which has significantly impacted me both financially and in terms of time spent seeking resolution. 

In XX/XX/2024, I filed a complaint ( Complaint Number : XXXX ) concerning my inability to access my credit reports and scores. After providing all necessary supporting documentation, the technical issue was resolved, and received a copy of my report via mail. 

Unfortunately, the same problem has resurfaced. Recently, I received a letter from a financial institution stating they were unable to locate my credit report through Equifax. Upon logging into my Equifax account, I found that my information and credit history were inaccessible. This recurring issue is causing me financial harm and consuming considerable time to address. 

I request that Equifax promptly investigate and resolve this matter to restore access to my credit information. Additionally, I seek compensation for the financial impact and time lost due to this persistent issue. 

I expect a response within 14 days detailing the steps Equifax will take to resolve this issue and prevent its recurrence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX SELF-REPORTED Account Number : XXXX has violated my rights. Or a list of inquiries 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: 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 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 604A Section 2It also states a Consumer Reporting Agency can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a XXXX at Barclay 's. They subsequently issued a XXXX XXXX to me in XX/XX/XXXX. However, I did not apply for the XXXX nor did I authorize a second credit inquiry. This is the history of the inquiry. 
Brclysbankde Inquiry from XX/XX/XXXX Bank Brclysbankde Inquiry from XX/XX/XXXX I phoned Barclay several times in XX/XX/XXXX to request the removal of the second inquiry. I kept calling and was finally told to write to the specific department. I was told it would take 30 days or less but I wrote to them in XX/XX/XXXX and have not heard anything. I followed up with the bank and was told that the department could not be reached internally or externally and they suggested I write again. It 's been two months since my first inquiry. I have spoken to several managers, written to them - all to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$5600.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$53000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.