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

I received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 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. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically CashApp 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

I am writing to dispute information reported on my credit report under my name, specifically a bankruptcy Report ID : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. This information is inaccurate and should be removed from my credit report. 

I would like to explicitly declare that I am the person identified in the credit report and that this is not a case involving a third party, as has been indicated in previous communications, which may have delayed this process. Furthermore, under the Fair Credit Reporting Act ( FCRA ), you are required to report only information that is **accurate and fully verifiable**.

According to my understanding, you claim to have verified this bankruptcy through public records. However, I have confirmed that courts do not report or share bankruptcy information directly with credit agencies. In fact, I have an official letter from the court that explicitly states **they do not disclose bankruptcy information to any credit agency**. This indicates that the information was obtained from a third party, which raises serious concerns regarding its accuracy and my XXXXright to privacyXXXX 

Therefore, I request the following : XXXX. Provide specific evidence of how and with whom this information was verified, including the direct source ( court or authorized entity ). 
XXXX. Remove this bankruptcy from my report if you are unable to provide adequate verification in compliance with the FCRA. 
By law, I expect this issue to be resolved within 30 days.
Product: Credit card or prepaid card

I have been a loyal member of Navy Federal Credit Union for over 35 years. In early XXXX I received an offer to transfer balances to my credit card at 1.99 % for 15 months. My husband also received an offer for 9 % at nine months. I already have a Visa credit card with NFCU and am being charged 9.9 % interest. I telephoned and emailed NFCU asking if the same offer I could receive offer of 1.99 % for 15 months so as to assist in bringing my credit card payment down and avoid the current $ XXXX/month in interest. TSaving $ XXXXmonth in interest at this point in my life with two college tuition to pay for would help a lot. NFCU responded saying " thanks for being a loyal member, but THAT offer is only for NEW members ''. How does this make sense? Then don't make the offer and reject me because based on me NOT being a NEW member. You don't want to assist a LOYAL customer who has over 10 family members banking with you, and a mortgage with you. It's terrible advertising and why send me the offer if you don't mean it? I'd like to ask and think it's only fair that NFCU allow me the 0 % interest rate for 15 months on my credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I Made an agreement with XXXX XXXX to Pay {$370.00} for removal of collection account from all 3 of my credit reports, it has been updated and removed from XXXX and XXXX but has remained on my equifax report for several months after it has been paid and I have contacted this company several times with no result, The agent I spoke to name is XXXX, direct line XXXX
Product: Credit card or prepaid card

On XXXX, XXXX, XXXX, I received an email from Synchrony Bank Care Care credit card, informing me that my account is closed as of today. The reasons are from a credit report from XXXX, claiming I dont own enough property and other out of ordinary criteria that I didnt meet and my credit score is XXXX. 
My XXXX credit report is frozen and has an active fraud alert that expires on XX/XX/2023. 
Synchrony Bank couldnt have been able to access my credit report. However, I did notice that on XX/XX/2023, my bank, XXXX XXXX did an inquiry. My credit score thru XXXX XXXX, which is thru XXXX XXXX is not the same as what Synchrony Bank informed me. 
Im confused as to what credit reporting service was used for Synchrony Bank to randomly close my credit card. I was current with payments.
Product: Debt collection

I was sent via U.S. mail a debt collection notice, from AMSHER COLLECTION SERVICE, XXXX XXXX XXXX XXXX  XXXX, XXXX, AL XXXX, regarding a collection of {$370.00} for an account under my name. Upon review of the collection notice, it had an address of XXXX XXXX XXXX XXXX, in XXXX, Texas XXXX. When I called this collection agency on XXXX XX/XX/2023, I spoke with multiple people from this office. Specifically, speaking with XXXX XXXX and a XXXX XXXX XXXX. I was informed by XXXX XXXX XXXX, of the mistake on the collection. She informed me that the only way to check on this file, was if I provided by date of birth and SSN to them. I mistakenly did so out of confidence they were actually going to check their systems. She informed me that there was no file on record with my personal data. I asked for a letter confirming this, any both personnel informed me to dispute the collection via the credit bureau. I did just that and disputed the case multiple times. XXXX Credit Bureau case numbers : XXXX and XXXX were filed to dispute. Results on both cases came back from AMSHER COLLECTION SERVICE, indicating the debt was " accurate and updated. '' I have filed a police report with XXXX Police Department, Case # XXXX, with Officer XXXX, Badge number XXXX. I am seeking assistance on this matter, as the collection service, used my pesonal information fraudulently to claim they were looking for information on the collection, when in fact they used my information to support their case file on this collection. I've never resided at the XXXX XXXX XXXX XXXX address in my entire life. I am an XXXX XXXX service member and have served my country for 24 years. This collection has tarnished by credit rating and I desire this company to be held responsible for their nefarious intentions with my personal data and to have this collection removed from my credit report immediately. You can review my credit report yourself and see with my creditors that this {$370.00} collection is not mine. Please, I plead with you to review my credit report and do your own assessment. Thank you, XXXX XXXX, XXXX
Product: Debt collection

This company contacted me about an debt owed since 2018. They asked if the information they gave was correct and I said no, that's not my social security number. I asked them to stop contacting me and they placed an collections account on my credit and the information doesn't match. Only the names and birthday match but social is completely wrong. Not even close in numbers.
Product: Credit card or prepaid card

A payment I submitted was returned due to insufficient funds, total accident from a loyal customer. The company closed my account without even speaking to me once. I also re submitted the payment which actually went through. The company closed my card and submitted my balance over to the bureaus ( defemination of character ), reporting a balance that is over and inaccurate.
Product: Mortgage

Did a refinance with a lakeviewlending company with a guy name XXXX XXXX come to find out he was not licensed in California I lost my car well the backpay on my house Im a veteran its XXXX  % XXXX. He took money from me. He had me wire him money he is out of Michigan. I borrowed money off of people, thinking I was going to be able to pay them back after the finance went through XXXX kept taking money and nothing ever happened and I dont know where the money went because the bills were never paid like he said it was going to be when he was taking the money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute an address that I believe to be a part of litigation in identity theft from a breach in 2017. And according to this they are not taking the proper step under the FCA to investigate, accurate information as well to withholding proof on how the information was obtained, re-adding previously deleted information, unwilling to verify an address, place on account through identity theft or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

my issues is that, I have two accounts XXXX BANK, and XXXX BANK, CREDIT CARD ACCOUNTS THAT ARE NOT SHOWING ON MY CREDIT PROFILE. IT HAS BEEN TOLD TO ME BY THESE TWO ENTITIES THAT THEY HAVE BEEN REPORTING TO EQUIFAX MONTHLY.
Product: Debt collection

The servicer closed the account. The account has been paid in full and it is reporting derogatory information. They are now reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 18 months I have been disputing with TransUnion, the consumer credit reporting agency. I have sent affidavits, police reports, certified compliant/demand letters to TransUnion. They have continued to delete and than add accounts back on my credit file without providing evidence obtaining my signature. The following are accounts that TransUnion added to my credit file without my permission nor evidence that these account are mine : XXXX XXXX XXXX UNITED STATES DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX was added before called XXXX XXXX XXXX for XXXX XXXX *credit report in XXXX did not show US Department of Education , they continue to remove and than add back to my credit file. 

I also told them to remove inquires that I did not authorize and to provide me proof, the inquires still remain on my credit file as below. 

XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX I also told TransUnion to remove the addresses not affiliated with me , those address is as followed : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and add the correct address . 

My last certified letter that I sent TransUnion was on XXXX XXXX, XXXX and they continued to keep my credit file the same or re-adding accounts and not providing me with actual proof with signatures that these accounts belong to me.
Product: Debt collection

Our home was destroyed due to Hurricane Harvey. we moved into these apartments as an emergency shelter. I have XXXX, and my husband has XXXX. we were unable to go up and down the stairs due to our XXXX XXXX. we were told we can give a 30-day notice and lease because it was during a natural disaster. however, they sent our bill to collections for {$3500.00}. 

we can not pay this. we are on a fixed income and this occurred during a state of emergency.
Product: Mortgage

I refinanced my loan with Freedom mortgage in XX/XX/XXXX. In XX/XX/XXXX I received a notice stating there was a shortage on my escrow account. Upon review of my documents I found there was {$580.00} that was was withheld for taxes in escrow, and only {$250.00} was applied towards the new loan. In addition, there was 2 fraudulent fees charged to my account AFTER the close of escrow, and were not disclosed on my final closing disclosure. There was a {$170.00} recording fee charge ( this is a duplicate charge as the recording fee of {$150.00} was paid through escrow ) on XX/XX/XXXX, and a final {$190.00} charge on XX/XX/XXXX with no description just states " fee ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian, XXXX and XXXX for a more than reinvestigation 6 times. I have not been given this. I have formally asked by mail, I have asked by phone and I have asked online. I have errors on my credit report that they refuse to fix. They do not offer me proof of investigation or proof of the original debt required under the fair credit reporting act. Their employees do the bare minimum of work and millions of consumers pay the price for their negligence. There is a fiduciary duty to uphold the laws set in place to protect people. It does not seem to matter. 


Several of the accounts have the wrong dates reported. By law, the first instance of an account being delinquent is the date in which the 7 year rule starts. XXXX accounts are more than 7 years old. They became delinquent more than 7 years ago. In order to keep them on my credit report, the reporting companies must provide a full accounting of the original account terms along with a full accounting of all payments. They must also have the correct legal name of an individual and the correct SSN and date of birth. If they can not provide ALL of these detail, under the FCRA a debt MUST be deleted. 

ERRORS : # 1. I have a closed credit card from XXXX  XXXX XXXX that is too old to be on my report. If the reporter fails to furnish all of that information and legally required documentation within a 30 day investigation period, the debt must be removed by the XXXX. 

# 2. I have a closed account from XXXX XXXX that is not only too old to be on my credit, but the sum of the original debt was fulfilled at auction and the company did not issue me the positive difference that they made of the vehicle which is illegal. 

# 3 My legal name is incorrect. I have provided legal documentation of my name to these bureaus on more than one occasion and my name is STILL incorrect. Which is causing many errors in credit reporting. 

4 # I have a collection from XXXX XXXX XXXX that was paid to the original account holder. I paid my entire balance on autopay until I canceled the account in person at the California office. They must provide all original payment history to show that I did not. This account also has the wrong dates reported and was fully closed in XXXX XXXX after being paid in full. I did not have an account with XXXX in XXXX at any point in time.
Product: Money transfer, virtual currency, or money service

Added a recipient " XXXX XXXX '' to my online banking around 2 years ago, but paid another way. On XX/XX/2019, went to online banking and saw the account was " verified '' sent a transfer of {$360.00} to " XXXX XXXX ''. Recipient stated that she never received the money. within 2 hours i called Bank of america, they stated that they can put in a claim and try to get the money back but will take 90 days. they later sent a notice saying that they could not get my money back, even though it was a bank of america account, i would have to contact the account holder directly, but would not provide me with the account number that it was sent to, or the account holder name. however the account name i entered does not match the one of the account number, even though th online service claims that account with name i provided is " verified ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am making this complaint on my own accord. I have been a victim of Identity Theft since XXXX. Upon looking at an updated credit report I discovered once again that someone is and has used my likeliness to obtain credit and utilities they have also trie applying for credit using my personal information. The person established a XXXX account which is now in collections for {$540.00} they also established a XXXX account which is charged off and reflecting negatively on my personal credit. There are also inquiries in which I did not authorize. These inquiries are reporting on XXXX and XXXX. For XXXX  ; XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. For XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. The XXXX account is now a collection with XXXX XXXX XXXX and is reported as a collection with all three Bureaus. These accounts and inquiries are unauthorized and fraudulent. I demand these be removed from my credit profile because they do not accurately depict my credit worthiness. This has had a tremendous impact in my everyday life. I have also filed an Identity Theft complaint with the FTC, my Identity Theft report is attached
Product: Credit reporting or other personal consumer reports

My personal information has been in so many data breaches. From XXXX XXXX XXXX XXXX  and even some collection agencies. I have received letters about free credit and personal information monitoring from XXXX XXXX XXXX XXXX. I have outstanding student loans and XXXX XXXX credit cards from XXXX. Every time I dispute something my credit goes down and problems stop there or information that does not belong to me. I seen address attached to my Info thats not mine and I placed freezes on my credit reports and still having new accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX Account # XXXX and XXXX XXXX  Account # 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 XXXX : 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

My credit report has six inquiries from same company over last two years they just did inquiries again XX/XX/2018 I do not use this company and have no association with them or affiliation s of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit report and i noticed two inquiries on my report i did not consent to or filled out for the company names are. 
One Main : inquiry date is XX/XX/XXXX. 
XXXX card : XX/XX/XXXX XXXX
Product: Mortgage

I logged in to my account to retrieve tax information about 6 months ago. Without my permission my account was switched to paperless. I have called Chase 5 times to resolve this issue and have my statements mailed. Every time I call, the representative confirms with me that my account will return to mailed statements. That has not happened. I'm not sure what else I can do to resolve this relatively simple request?
Product: Credit reporting 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My wife and I do not have ANY accounts with Fifth Third Bank. However, they keep calling our numbers despite being told multiple times in the past several months that our numbers are listed on the do not call list and are unlisted/unpublished. We have also told them multiple times to stop calling us and to remove our numbers. Obviously, they have not done this since we still get calls. Every time we get a call from them it is a live person that says they are trying to collect a debt. As mentioned, we do not have a debt with Fifth Third Bank and this is just plain harassment! We have filed a complaint with the Do Not Call registry and will be following up with the Better Business Bureau as well as the FCC to report Fifth Thirds continued harassment activities. Tonight, I spoke with someone who assured me the numbers will be removed. I informed him that I would be filing a complaint with the Do Not Call registry as well as any other applicable agencies. If this harassment does not stop we will pursue other legal action against Fifth Third. This complaint process asks for my information as the borrower but as I am not said person the contact information is skewed. This is so that my personal identifiable information is not divulged unnecessarily.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.