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

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

During the past three months, XXXX has been reporting to the credit bureau 's that I have been 30 days late. This information is incorrect and false as XXXX raised my monthly payment of my loan without my knowledge and without informing me. I continued to make the monthly payment that I was making since day one. Prior to this, I never had a late payment that was posted on my credit report from the credit union. I have contacted the credit union where I get nothing but disrespect and people that are unwilling to clear up this problem. I challenged my credit report as which time Transunion did n't delete the late payments.
Product: Credit reporting or other personal consumer reports

. Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to dispute inaccurate information on my credit report as I am a victim of labor trafficking. The incorrect information on my report has caused significant harm to my financial well-being. 
I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX Transunion, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/scrub>/2024, I submitted a dispute to XXXX Transunion, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the XXXX XXXX XXXX failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit card or prepaid card

Venmo ( synchrony bank ) card has closed my account numerous times with no cause. The first time, I had to go to lengths to find someone in their corporate office that was willing to fix the account and admitted to an error. A year later, I set up my normal payment and realized the account number had changed on my checking account. I called to cancel and they still sent the payment through. Today I was alerted the account is closed, again. I called and was told because of the first issue ( when the account opened ) and the current mistake it's closed again. Problem is, it's on their side of things. Not mine.
Product: Credit card or prepaid card

I signed up for a new credit card with Chase and they applied a different promotion to my card that wasnt advertised. I have talked to a supervisor and was told they put in a request to have it changed. The supervisor told me they had three promotions at the time I applied. However their personal Chase mobile app only had one showing. The one that I expected to get.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  : accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, US Dept of EdXXXX XXXX XXXX US Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 prvent 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 am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to Experian XXXX XXXX XXXX  Acct # XXXX .... 

I have contacted Experian Multiple times with no result. I have PROVIDED DOCUMENTATION THAT THEY HAVE NOT LOOKED AT. This documentation is a payment statement provided by XXXX XXXX XXXX, Attached to this compliant, IF Experian were to actually LOOK at the document they would SEE that the account number matches the account number on my Experian credit report, would match the amount of the loan, and the open date. 
. 
What would not match : is that it was not discharged through bankruptcy. 
On the XXXX XXXX XXXX  XXXX ( OWN ) Payment Report history, attached to this compliant, The document will show that the loan was paid with no late payments and was PAID IN FULL - PAYOFF XX/XX/2019 {$1300.00} ALMOST 3 YEARS AFTER XXXX XXXX  SAID THIS LOAN WAS DISCHARGED. I request Experian to explain this DISCREPANCY. I would ask that XXXX XXXX XXXX  who took the money for payment while the loan was being PAID and excepting the payoff 3 years LATER???????????? XXXX XXXX XXXX  who has verified the data on the Experian report as accurate???????????
Product: Money transfer, virtual currency, or money service

I am trying to access gemini cryptocurrency account ( name : gemini trust company , LLC ) after long time. I raised multiple requests via their customer service portal but there has been no response from gemini support. There dont have customer care number for me to contact them. I was able to restore my XXXX  account providing clarifications regarding all verification that was done to restore my account but it is not been case with gemini. I have funds locked in my gemini account that I am trying to access to alleviate some of my financial stress but I am not getting any support from gemini team. They just ask you to create a ticket and they dont provide any ticket no and they dont do anything after you create a ticket which is really annoying. I filed a case against gemini trust company , LLC with NYS Department of financial services but I was told to reach out to your team since purchases that I made on gemini portal were made in california outside new york state.
Product: Student loan

As a customer of navient who pays their bill monthly I called them countless time ( mostly in tears ) to ask them to lower my student loans and make them more affordable. Often times I was told that it was n't possible and that I did n't qualify for income based repayment because I file my taxes jointly. I have federal, department of education, parent plus and private loans all through this company. It nearly drains our bank account every month and they have assured me I 'm at the lowest possible payments. They 've also informed me that due to the loan my dad chose the payments go up every 2 years and there 's no way to change it. I ca n't take my co signer off my loans or transfer the parent plus into my name even though I 'm the one who consistently pays. It 's been an awful process and I still have many years left with them. I hope you can help others like myself stop this from continuing. I am also informed that since I am a XXXX I am not eligible for any sort of XXXX forgiveness which is totally absurd. I make way less than XXXX and we meet all the same requirements as they do.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX  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.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : No Consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2020 {$4300.00} United Collection Bureau , Inc . 
Current Creditor XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX THE ACTIONS THAT WERE TAKEN THE ACCOUNT HAS BEEN PLACED TO UNITED COLLECTION BUREAU FOR COLLECTION AND AUTHORIZED TO OFFER A SETTLEMENT IN THE AMOUNT OF XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I am writing to dispute the reporting of child support account # OAG ID XXXX on my credit report. I am XXXX XXXX, and I have reviewed my credit report and found that the reporting of this account is inaccurate and is negatively impacting my creditworthiness. 

I understand the importance of paying child support and fulfilling my obligations as a parent. However, I have fulfilled my obligations in a timely and responsible manner. I have never been delinquent on any child support payments, and there is no reason for this account to be reported as negative. 

The inaccurate reporting of this account is affecting my ability to obtain a home. I have applied for a mortgage, and my application was denied due to the negative reporting of this account. I am concerned that this inaccurate reporting will continue to impact my ability to obtain credit and loans in the future. 

Therefore, I request that you remove child support account # OAG ID XXXX from my credit report. I have attached documentation that supports my claim of accuracy, and I kindly ask that you review this information and take appropriate action to remove this account from my credit report. 

Thank you for your prompt attention to this matter. Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX
Product: Debt collection

Repeated threat calls to my other phone XXXX and cell XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have applied a Citi premier credit card on XX/XX/XXXX with card ends XXXX. 

The sign on bonus is to spend {$4000.00} and get XXXX thank you points. 

within the next 3month, due to COVID-19, majority bank extends the 3 month requirement to 6month including XXXX, XXXX XXXX, XXXX and XXXX. Citi also followed the rules : Similar to other issuers, Citi is extending the time frame to earn the bonus by three months. 
Eligible Citi cardholders include those whove applied for a new credit card between XX/XX/XXXX and XX/XX/XXXX. These eligibility requirements are the same as XXXX and broader than both XXXX and XXXX XXXX XXXX. 

https : //www.cnbc.com/select/citi-welcome-bonus-extended-citi-prestige-travel-credit/ However, I have meet the spending requirement within 6 month but Citi doesn't honor the sign on bonus. 

I called the customer service on XXXX of XXXX about this case, the customer service said they already acknowledge the issue and fix it, the sign on bonus will honor in the XXXX statement. 

However, when I check the XXXX statement, it didn't show up and I made another call to Citi customer service, now they just emphasize I didn't meet the requirement because I didn't spend {$4000.00} within 3 month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes.
Product: Credit card

My name is XXXX XXXX my ss # XXXX I been with American Express over a year I have XXXX accounts with them XXXX personal and XXXX business I open XXXX account for XXXX of my head employees in California he used the card this was a new business and card was for that business i use my card off and on, the XXXX time my employee use for XXXX in tell i got out too California American Express for all my cards never missed a payment always paid before time they asked for proof of income I told them I was a victim of identity theft so the IRS Could n't no information I did everything they ask me to, they want my XXXX for XX/XX/XXXX and XX/XX/XXXX so I called the IRS To get A copy the IRS ask me show my copys to the IRS, told XXXX what was going on I told them I will fax over my copys, and they told me no that they want the originals on open from the IRS which would then mail to me from XXXX XXXX XXXX on XXXX has the right to opening my mail, so they cancelled all my credit cards hurting my credit making remarks that I was a resk to pay them back, when I show my bank statement how much I have in my accounts, when I applied for my credit cards I fit every requirement this is all over XXXX employee spending {$1900.00} stating that he used 95 % I love my credit when she used it XXXX time until I got in California XXXX and they spend it right away which was paid back in full before time, I feel that their prejudice because XXXX my XXXX accounts has nothing to do with my personal accounts, now they 're putting my credit history in jeopardy, when there are people out there as do n't pay their credit cards, and they have someone like me that page before time never missed a payment never been late always paid more than what was do I need your help just trying this out thank you very much XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$15000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Do not believe that the debt that is reported on my credit report is valid
Product: Credit reporting or other personal consumer reports

" I have been filing reports since XX/XX/XXXX, followed by submissions on XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX. Despite my patience and leniency, these companies, along with the CFPB, have failed to correct the inaccurate information on my report, including an incorrect social security number and addresses where I have never resided. 

I am aware that courts rely on factual evidence, which I have been diligently collecting. I approached the CFPB for assistance, but my reports have been disregarded, and the laws that should protect consumers like me have not been upheld. 

Given this situation, I am compelled to escalate the matter. Since the CFPB has not fulfilled its responsibilities, I will be pursuing legal action for all the violations committed by Experian, XXXX, XXXX, and the CFPB. The damage caused by these inaccuracies has had a significant impact on my children, my livelihood, and me. '' This is also Deframation of my character due to when people pull my report and look at me like I am commiting fraud due to 22 address and wrong SS number etc.
Product: Prepaid card

My payroll check was deposited onto a 'Rush Card ' and two-three days after the funds posted to the prepaid card, they were retracted or otherwise misplaced. 
I have reached out to the company on multiple occasions, I have direct messaged the company representatives, I have filed a Consumer Affairs complaint, to which I was asked for a number I could be reached at, that was three days ago. 
This has been going on for over a week now with no resolution, no call back, and no straight answers as to when/if the issue will be resolved. 
The only phone call I received that was outside the norm was a phishing call telling me to select one to receive a free voucher to some unnamed website ( download virus to mobile ). 
I 'm tired of it, no answers for me, just platitudes and broken promises. I 've had enough, I missed a day of work because I am broke and without gas. Luckily I have a perfect attendance record or I may have been fired. 
And I understand this is on me for not dealing with a reputable service or my brick and mortar bank but I just need to get my money from them so I can take it to my bank and not have to live through this nightmare again. 
Please help, any answers as to what is going on I would greatly appreciate. 
~Oh and I have already reached out to my employer 's payroll dept regarding this.
Product: Credit card

Hello, I don't understand what this account on my credit report, can you please delete this account or send me more information. Thank you.