23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 than 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 reasonable cause to believe that the information is inaccurate.
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 ). 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, credit repair services, or other personal consumer reports

XXXX XXXX  has reported me to the credit bureau for non payment of my XXXX payment. They also said that I did not pay my XXXX payment however I paid these payments on XX/XX/2021 and XX/XX/2021. They were both refunded back to me without my knowledge 4 days after each payment. I have since caught up the account, however, I should not have to be punished for something that was not my fault. I have never changed the way I make this payment. I have had this account for many many years and have never had a late payment. I have never even had a late payment on any other account. I care about my credit and have always had excellent credit. I would like for XXXX to fix this problem and my credit to be fixed. Please help me!
Product: Debt collection

XXXX XXXX XXXX  charged off my account in XXXX  and then sold my non-public personal information to a debt collector, Portfolio Recovery Associates , LLC in XXXX. XXXX XXXX discharged this debt in XXXX  and yet Portfolio Recovery Assoc has been reporting negative items to my consumer file for the past 3+ years. This has caused a great deal of harm to my quality of life. The law states that once a debt has been discharged, the debtor is no longer liable for the debt and the lender can no longer pursue the collection of the debt. XXXX XXXX knowingly sold my non-public account information after discharging the debt. Not only is this is a violation of the Privacy Act of 1974, but Both companies colluded to commit securities fraud against my SSN and admitted to doing so.
Product: Credit reporting or other personal consumer reports

XXXX Duties of users regarding address discrepancies - I submitted a complaint on XX/XX/XXXX and Experian sent me confirmation that the dispute was completed. Upon review, nothing has been done or deleted. I have sent in proof of my name- XXXX XXXX XXXX. My address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. My employer is XXXX XXXX XXXX XXXX XXXX - I am XXXX  and have been since XXXX. I have over 35 addresses on my credit report, and I have not lived at all of these addresses and many of them are incorrect. I have never lived in XXXXXXXX XXXX, and I have had a fraud alert on my profile for many years. The addresses need to be verified. Majority are incorrect and do not match anything on my credit report.
Product: Debt collection

The following accounts are inaccurate and fraudulent. I did not own the following debt. 



XXXX XXXX XXXX XXXX FL / XXXX / {$1000.00}
Product: Debt collection

The company is National Credit Systems Inc, amount that doesn't belong to me is {$4600.00} and this is stoping me form getting an apartment, this is a fraud account, I filed police report, and explained this to law firm that keeps contacting me about debt. 

I was also a victim of the XXXX, data breach, and Identity theft has happen to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been misidentified with another individual with a nearly simile name. I was informed that this individual has a nearly similar name, Date Of Birth and SSN his information has been mixed up with mine bringing down my credit score. I went to file a dispute but my XXXX account was locked, I emailed XXXX support and they closed my case without helping me unlock my account.
Product: Credit reporting or other personal consumer reports

Ok enough is enough I know the cfpb is just a reporting agency but still mcm is a third party I don't have a contract with them never had they are in violation huge violation and I'm about to go to the FTC and get them up on every violation
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025 -CFPB-0002 ) against them for similar violations. I request that CFPB take action to ensure that TransUnion complies with federal law and provides consumers the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

One main financial checked my credit. I never authorized this. It lowered my credit score. I asked them to remove the inquiry. They said no. They also said I had to ask the credit reporting agencies all three of them to remove this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX I have already disputed these inquiries several times. I called all 3 credit agencies and have not received a resolution that these inquires are mine.
Product: Credit reporting or other personal consumer reports

Dear [ XXXX, XXXX XXXX and WXPERIAN ], I am writing to bring to your attention inaccuracies on my credit report. After carefully reviewing my credit report, I have identified discrepancies in my personal information, specifically my name and address. I have previously contacted your agency to request corrections, but to date, no action has been taken. 

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681e ), any person who willfully fails to comply with requirements under this subchapter is liable to the consumer for damages. The Act outlines that a consumer is entitled to actual damages sustained as a result of the failure or damages not less than {$100.00} and not more than {$1000.00}. 

Additionally, under 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Once notified by the consumer, the furnisher must cease reporting the inaccurate information until it can be proven valid. 

I have attached an image of my driver 's license, providing accurate information for correction. The current information on file, including the address, is non-mailable. I request that you promptly update my credit report with my correct and current mailing address and name. 

Your immediate attention and compliance with the Fair Credit Reporting Act are necessary to rectify this matter. Failure to do so may result in legal consequences for your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX tried to login to my TransUnion account and couldn't after 2 attemps-I tried to reset the forgot password attempt which I got locked out of and account suspended email was sent with the instructions to call Customer Service which I did. The 1st call took 40 '' to get help from customer service to unlock and reset my Transunion account with THEIR password. An hour later I tried to login TransUnion again USING the password and I tried to CHANGE the password that Transition gave me to a password of MY OWN and was locked out AGAIN with the site saying that Transition couldn't change my password at that particular time. I went to the online chat to see if I could login to complete my password change and 45 '' later AGAIN I still couldn't get in under the direction of someone named XXXX ( Transition Chat help desk ) about XXXX XXXX. I got about 5-6 email password re-sets to no avail and with NO results.
Product: Credit reporting or other personal consumer reports

I'm writing to raise concerns about a few issues I've encountered with the credit bureau. These include false account listings, numerous unauthorized inquiries, inaccurate credit reporting, inconsistent billing, and accounts that don't belong to me. 

I need help resolving these issues to ensure my financial security. Please investigate my situation and advise me on the next steps.
Product: Vehicle loan or lease

In XXXX, I made a payment to my account. Throughout this loan, I have been charged way more than I owe, there have been several times I have called and my payment amount is different, depending who im talking to and practically nothing has come off my loan. In XXXX, I made a payment and an arrangement for a payment again in 2 weeks, and the rep put that second payment ( which was for the end of the month ) in, costing me {$300.00} in overdraft fees. He promised to take off {$450.00} off the fees/account and that has not been done. At this point, they have made thousands illegally on this loan and need ti just let it go and give me my vehicle. What they are doing is unethical, at the minimum.
Product: Credit card or prepaid card

I see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting

Transunion is reporting that I was 30 days late in XX/XX/2017 and I was not late what so ever. I 've dealt directly with Transunion on this and nothing has happened yet. I had a vehicle paid off, and the creditor was XXXX. The payment was sent and was processed before the XX/XX/XXXX deadline. The lender has stated that they 've fixed the problem on its end and that Transunion is the only one that can update it. 

This has been very frustrating bc I also have some fraudulent charges on my report that experience yet to address or even respond with. I have tracking numbers and dates they received my documents if I need to provide this. 

I 'm trying to buy a house for me, and my girl and this issue is killing my score. I have paid everything on time, and I go to pay off than the late hits. I need experience to processes my documents and remove this so I can move us before the lease is up by XX/XX/XXXX. 

Thank you,
Product: Mortgage

I was checking my credit when it showed I have missed two payments when I have never had a loan with this company. I do not know anything about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted a complaint regarding this matter unfortunately I wasn't able to follow up on it on time. 

Both Equifax and XXXX have been reporting inaccurate information on my report.. 
The are listing an Account with XXXX XXXX and a second one with XXXX as being good standing and pay as agreed when it's not the case. 
The account with XXXX is not mine and was fraudulently opened. I have contacted XXXX probably 10-15 both personally and via regulating agency without any success. 
The Account with XXXX XXXX is legitimately mine ; however they never reply or acknowledge any request to help assist how the fraudulent charges were committed in order to assist me with filing a police report. 
I have contacted both reporting agency multiple without any success, Both agency are claiming that I am paying on those account which is also false. The last time I make any charges on payment on the XXXX XXXX Account was probably in XXXX or XXXX. and the Account with XXXX is not mine. 

I spent hours initiating dispute with Equifax online only to find out at the end that this service is currently unavailable and I always end up sending everything by certified mail. I am requesting that both agency investigate this matter seriously and remove the incorrect info from my record. 

Also there are numerous discrepancy with my Mortgage payment history since XX/XX/XXXX, always payed my Mortgage ahead of schedule I have also provided both agency with a payment history regarding this matter.
Product: Checking or savings account

My account was closed with Bank of America without my knowledge. I was told it was a business decision to have it closed without giving me any reason as to why. I attempted open account with XXXX XXXX and XXXX XXXX and both denied me. I then was added to my wifes account with XXXX XXXX and was successful but then later the account was closed without our knowledge and I was given the same reason that Bank of America gave me when they closed my account. Im trying to understand why this is happening and how I can resolve this issue. I depend a lot on online banking for paying bills and receiving my direct deposit from my job. Please help me get answers for this matter.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts that has appeared on my credit report. It has come to my attention that my identity has been stolen, and this unauthorized account has been opened without my knowledge or consent. 

I have recently reviewed my credit report, and I was shocked to discover the presence of a fraudulent accounts under my name. The accounts in question is with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I have never had any dealings with this creditors, nor have I ever authorized the opening of these accounts. It is evident that someone has fraudulently used my personal information to establish these accounts I have a disputed these accounts several times with my police report XXXX Experian and XXXX are not doing a real investigation they are just placing verified these accounts are not mines if they do the real investigation they will see that these three companies needs to be penalized for not doing investigations the automated computer dispute system does not work for me I WANT THESE ITEMS REMOVED IMMEDIATELY I kindly request that you conduct a thorough investigation into this matter and remove the fraudulent accounts from my credit report as soon as possible. I understand that as per the Fair Credit Reporting Act, it is the responsibility of the credit bureau to ensure the accuracy of the information on my credit report. Therefore, I am confident that you will take the necessary steps to rectify this issue promptly. 

To assist with the investigation, I have enclosed the following supporting documents : 1. Identity theft police report 2. Screenshots of accounts In question Please note that I have already contacted the local authorities and filed a police report regarding this fraudulent activity. I am taking all necessary steps to ensure that the responsible party is held accountable I have already contacted Attorney General I appreciate your prompt attention to this matter. It is crucial that this fraudulent account is removed from my credit report so that I can restore my financial standing and protect my creditworthiness. 

Thank you for your understanding and cooperation. I look forward to a favorable resolution to this dispute.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and to my surprise, i found XXXX, XXXX and Experian reporting inaccurate information on my consumer report.I have included in this complain documents to prove my point.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Hey I never had a issue with them until now I had good reporting and never missed payment I see you guys do this to a lot of Apple users thats not fair theres no reason I need my account and spending balance lifted
Product: Vehicle loan or lease

The consumer must give permission15 USC 6802 a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless a such financial institution clearly and conspicuously discloses to the consumer inheriting or in electronic form or other form permitted by the regulated regulations prescribed under section 6804 of this title that such information may be disclosed to such third party ( XXXX XXXX and XXXX ). Santander Consumer USA has nothing to do with them. They don't own those companies they are a non-affiliated third party. Neither XXXX XXXX nor XXXX, which are third parties, nor Santander Consumer USA provided me with any disclosure giving my consent. There are 3 parts to a disclosure A, B, and C. I never received B or C. Please provide me, along with XXXX  with the disclosure that I signed that says I permitted this company to report anything to those agencies. And the only Credit Bureau is XXXX. Please delete this entire transaction from all of my credit reports. This occurred XXXX and XX/XX/2024.
Product: Payday loan, title loan, or personal loan

I was told my loan was approved. I filled out payment information and signed e checks on the site. I was then denied and discriminated against by XXXX ( higher management ). If I am charged illegally on my bank account I will be reporting them for fraud.
Product: Debt collection

I dont remember the dates but the amount that was taken from me on a month to month basis is around XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a secured auto loan through Presto Loan Centers. 2 of the 3 credit bureaus XXXX  and XXXX   both showed that the account was closed as an owed debt and that the debt was purchased by another debt collector. I disputed this with them because that was not the case. The account was opened at a term of 14 months. All 14 payments were made and the account was paid in full and i satisfied that debt. I informed both companies that they had incorrect information. Instead of investigating and fixing the issue they just deleted the entire account. I would like this corrected and have it put back on my credit report paid in full.
Product: Debt collection

I have been disputing an alleged XXXX cell phone debt assigned to ERC for the past several months. ERC has yet to provide any real evidence or contracts of said debt bearing my signature and I have contested it. 

I just received an anonymous phone call from a gentleman in Ohio claiming he received copies of billing statements and a letter from ERC with my name, last four of my social security number and my current cell phone number. This gentleman claims he is getting harassed for owing the same debt showing my name and this debt is being credit reported on his credit as well! 

ERC has some serious paperwork issues and is now sharing my private/personal information with a unnamed man on the other side of the US. I have reported the neglectful communication tactics to CFPB several times as well as the California Attorney Generals office and would like a full investigation on this account and records of correspondence. 

The original letter of right to dispute was never sent to me directly but was wrongfully sent to a relative of mine in XXXX, now, my personal information is being mailed to annonamous people in Ohio. This is very concerning. 

Something must be done as I am now afraid that my information is being passed around to the wrong people and can potentially end up in additional credit fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunrise Credit Service Reported a collection on my credit report for an XXXX XXXX XXXX mobility account that XXXX XXXX XXXX  has no record of. I called XXXX XXXX XXXX on the matter and they have no record of the account. I have records that show I paid my XXXX XXXX XXXX mobility bill in full every month from XX/XX/2018 when I opened the account until today. I have no knowledge of this account.
Product: Debt collection

ACCORDING TO MY CREDIT REPORTS, I HAVE A CHARGE OFF ACCOUNT REPORTING. CHARGE OFFS ARE CONSIDERED CANCELED DEBT. CREDIT CARD COMPANY HAS ALREADY FILED THIS DEBT ON THEIR TAXES WHICH REFLECTS ON MY CONSUMER REPORT AS A CHARGE OFF. BY LAW CHARGE OFFS ARE CONSIDERED ORDINARY INCOME. I DEMAND THAT THESE ITEMS BE REMOVED FROM MY CREDIT REPORT AND DELETED BECAUSE THIS IS A VIOLATION OF 15 USC 1681EB.