23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

To Whom It May Concern : When I try to access my prepaid rewards card account I am told that I must answer 4 security questions. First of all, none of the XXXX XXXX Q.s apply to me, and second, why would I share my personal info with a 3rd party, Fidelity National Information Services, which is not XXXX Bank where I have an account and earned the rewards?!! 

In any case, this is more security than I have been asked for by any bank, and it only makes it much harder to use the card, so Fidelity National Information Services can subtract more fees, or force me to call to find out my balance ( which I need to use the card! ), and then be charged even more fees. 

It is common knowledge that these prepaid " reward '' debit cards are a giant scam by the financial industry : I suspect that a large % of the value of these prepaid cards is lost by consumers due to these perverse tactics.
Product: Checking or savings account

I set up an account. I make 6 figures. They arent verified with XXXX My company had to send a paper check. Once the check deposits and clears XXXX can start. Sofi put a XXXX weekly limit and 1000 monthly limit on deposits. i reached out via chat, cant do anything. i reached out via phone cant do anything. they actually suggested I have my employer run a special payroll to split it into {$500.00} incrementchecks and wait months to be fully paid. i requested a supervisor and held for half an hour before being disconnected by them.
Product: Payday loan, title loan, personal loan, or advance loan

Fees, and add on to include a very high interest rate. Products were sold to me that I didn't anticipate. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute to XXXX, XXXX and Experian - Verify and delete aged debt, XXXX & XXXX XXXX XXXX The debt it is the same debt. It has been reported multiple years inaccurately since XXXX. 
*********************************************************************************** RESULTS : XXXX - Deleted Both FILES : XXXX : XXXX- DELETED XXXX XXXX XXXX XXXX DELETED **************************************************************************************** The RESULTS other two did not delete the files : XXXX : only removed XXXX XXXX XXXX XXXX UPDATED XXXX I have connected and file dispute XXXX XX/XX/XXXX and reinvestigation with Experian did not yield any results. It was difficult for dispute. 
******************************************************************* **RESULTS XXXX : ______ ** XXXX XXXX XXXX XXXX ** XXXX DELETED XXXX XXXX I submitted the disputes and reinvestigation. 
****************************************************************************** Section 1681e ( b ) of the FCRA requires credit reporting agencies, like Experian, XXXX to follow reasonable procedures to assure maximum possible accuracy of the information in consumer credit reports. They are violating my rights.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of a fraudulent account on my credit report. Despite my previous efforts and submission of evidence regarding identity theft, these erroneous entries continue to persist. It is my understanding that the failure to address this matter violates regulations governing credit reporting. 
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

lam 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In approximately XX/XX/year> I got a notification from a credit monitoring that a new derogatory remark was left on my report by CBHV. I called the number on my credit report and reached CBHV and requested documentation to validate this debt in question. At that time they were given all up-to-date information as to my address and phone number. It is now XX/XX/year> and I still have not received any documentation from CBHV validating this debt. The only thing they provided me was an email from the original creditor, which showed I owed a XXXX balance. I have been in contact with CBHV on at least three occasions, and nobody seems to be able to give me a valid explanation or paperwork. In the beginning stages, customer service was satisfactory. However, after disputing their numbers, they have become agitated and I am unable to work with them. Theyre very derogatory. They can not validate the debt, and they are telling me to pay what I think I owe and dispute the rest. The numbers do not match up and you can not pay debt that you cant get validation of. The last conversation I had with CBHV was not very helpful, the representative didnt seem to care that I had circumstances that limited my ability to speak with her that day. She became very agitated and disrespectful regarding my situation. At that point, I asked her for no further communication unless they could provide me with documentation via the mail proving this debt.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone is trying to open accounts under my name. I received alerts of fraudulent inquiries being made. 
Please remove them as they were not initiated by me. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Security Credit would verify the debt. So I took it upon myself to ask Security Credit for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on me that is causing me significant damages. There are several misspellings of my name and addresses that do not belong to me. In spite of my repeated attempts to get this information removed it remains this is my final notice to each consumer agency before I file for arbitration and sue under FCRA. 

My name is XXXX XXXX there should be no other name or names listed. My address is XXXX XXXX XXXX XXXX XXXX MI  XXXX this is my only address any other address is incorrect and not deliverable by the United States Postal service. I have attached proof of this to this compl.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions
Product: Debt collection

On XX/XX/2023 I was served papers from XXXXXXXX XXXX XXXX XXXX regarding a lawsuit in the county I live in. I contacted them and began making payments and have continued to make payments. I have requested multiple times information about the lawsuit and received nothing. In XXXX i received a letter from a Resurgent Capital Services about the account I am being sued for and I have reached out to them multiple times for information but have gotten nothing since XXXX of this year. I have continued to send payments to XXXXXXXX XXXX XXXX XXXX XXXX XXXX but not received anything from them either and I have tried multiple times to contact their office via phone but no one ever answers even if I try different options on their phone system that doesn't pertain to me. 

My questions are : Am I still getting sued? Am I sending payments to someone falsely representing my debt?
Product: Credit reporting or other personal consumer reports

I CHANGED ENTIRE NAME A FEW YEARS AGO. IN XXXX OF XXXX MY CREDIT WITH EXPERIAN SEEMED TO SPLIT AND MY SCORE DISAPPEARED. AT FIRST IT SHOWED A SCORE OF XXXX. THEN IT DISAPPEARED COMPLETELY. I CALLED THEM PROB 100 TIMES IN THE LAST YEAR. THEY TOLD ME SOMETHING DIFFERENT EVERY TIME I CALLED. THEY SAID THEY CAN SEE ALL MY CREDIT HISTORY THE ONE I SHOULD BE SEEING, BUT THE PAGE THAT SHOWS MY SCORE SHOWS ONLY MY OLD NAME AND ONE THING ON MY CREDIT REPORT. ITS LIKE 2 DIFFERENT SIDES. I TRIED TO GET A PRE APPROVAL FROM MY BANK AND THEY SAID THEY ARE SEEING THE SIDE UNDER MY OLD NAME THAT SHOWS NO CREDIT HISTORY. I HAVE A VERY LONG CREDIT HISTORY. I TRIED TO TELL THE PEOPLE AT EXPERIAN BUT THEY TALKED DOWN TO ME AND JUST KEPT SENDING ME TO THE SAME ROBOT THAT WON'T TRANSFER ME TO ANYONE IMPORTANT. I TRIED TO GET IN TOUCH WITH CORPORATE. I TRIED TO TALK TO EVERY DEPARTMENT. BUT BECAUSE THEY CANT SEE WHAT I SEE ITS LIKE THEY DON'T EVEN TRY TO FIX IT. THEY CANT EVEN GIVE ME A CREDIT SCORE BUT CAN SEE MY NEW NAME SIDE WITH MY CREDIT HISTORY ITS LIKE THEY DON'T BELIEVE ME. I CAN'T BUY A HOME OR GET A NEW CAR UNTIL THIS IS FIXED. I AM OUT OF OPTIONS AT THIS POINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I'm emailing you because my credit report contains inaccurate information. Regarding this, I've written to XXXX, TRANSUNION, and XXXX. Well, none of them try to fix the situation in any way. As additional identification, I provided them a copy of my passport and my social security card. 

Please assist me in finding a solution. I've been under a lot of stress because of this issue. 


Best wishes, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I financed a vehicle on XX/XX/year> in which I was in person and provided my identification and authorization to run my credit at that time. However, the dealership I financed at has my lender Ally appearing on my credit inquiries on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX I absolutely did not consent to that.
Product: Credit reporting, credit repair services, or other personal consumer reports

had filed a dispute on the reporting of first progress account # XXXX stating that the dates were inaccurate. I feel they didn't do a proper investigation because they have the open date as XX/XX/XXXX and said that was verified how is that possible when I have the date showing XX/XX/2018. This is causing me stress because it just seems like their process is hopeless
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to correct the late open accounts listed on my credit report. Despite multiple attempts, I would like to follow up these inaccuracies persist, and I am seeking further assistance to resolve this matter.

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the late open accounts remain on my credit report, negatively impacting my creditworthiness and financial standing.

This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX  Balance Owed : {$890.00} ; XXXX XXXX Balance Owed : XXXX ; XXXX XXXX Balance Owed : {$1700.00}.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under XXXX. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX  to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to all 3 credit bureaus multiple times that Navient is wrongly reporting my private loan status/information. The account was opened in XX/XX/XXXX for {$10000.00} and started repayment in XX/XX/XXXX. My credit report states that the account was closed ( and charged off ) in XX/XX/XXXX. It is still on my credit as an open account and reports that I am 90 days late every month and also reports that my account is charged off every single month. 
How can both be true? If the account is closed/charged off then no payments are due. 
Or if the account is open then it hasn't been charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$73.00}.
Product: Debt collection

I am filing a complaint regarding a debt collection agency, credit management company, which contacted me on XX/XX/XXXX and XX/XX/XXXX. During the call, I requested an itemized validation letter to verify the debt details before discussing any payment options. The representative repeatedly pressured me to discuss payment methods and became increasingly aggressive when I insisted on validation. Despite my lawful right to request validation under the FDCPA, they questioned my willingness to pay and created a hostile environment. 

I have an audio recording of the call, where you can hear my repeated requests for validation and the representatives insistence on payment instead. I am seeking assistance to ensure that this agency complies with federal and state debt collection laws and respects consumer rights. The representative said that its been XXXX  months for me to review the debt but I do not have any validation of the debt. As I continued to ask for the letter, while I was speaking on my rights he asked " how would you like to make the payment ''. This interaction made it seem like I am trying to avoid payment, I am not, I know my rights and I need to see what exactly I am paying. 

The agency claims this is on my credit report which it is not. Which raises strong concerns about the accuracy of the debt and their company. 

I also understand that I have the right to request validation of any debt before it is reported. 

I am attaching the email that was sent to me as a spam warning and the letter I got after many request for validation. 
The letter states the balance, creditor, and original creditors details, but it lacks documentation proving that the debt is valid and belongs to you. Under the FDCPA, you have the right to request a full validation letter, which includes more detailed information such as the original contract or itemized statements. A legitimate debt collector should be able to provide more supporting details if requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX Balance {$0.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX Balance {$4500.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
Product: Credit reporting or other personal consumer reports

There are XXXX companies reporting inaccurate information on my credit report I reached out to all the companies and disputed them with the XXXX credit companies. I ask each company for a validation of the debt and never received the information. 


1.ashmer collections service date opened XX/XX/XXXX {$420.00} XXXXXXXX XXXX XXXXy ( date opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX ) {$800.00} XXXXXXXX XXXX XXXX XXXX date open XX/XX/XXXX ) {$1700.00}
Product: Credit reporting or other personal consumer reports

I noticed on XX/XX/XXXX when I looked on my credit report with Equifax XXXX and XXXX there was a dispute on all of them that I had no knowledge of when questioned the XXXX bureaus I was told that XXXX  XXXX XXXX XXXX was allowed to put a charge off back on my account that had been previously deleted a few months ago and was told the account had never been blocked as asked in my previous complaint. On XX/XX/XXXX th 2024 I contacted XXXX  XXXX XXXX XXXX directly and I spoke with XXXX at XXXX am l spoke to XXXX and XXXX and was told l couldnt speak to anyone in the fraud department so I was left to contact an attorney to start litigation. Although I am a victim of identity theft I was told its not against the law to report inaccurate unverified information on my credit report at this point l am devastated because of the fraud and level of dishonesty. I was told by the three bureaus that I was told that I couldnt send supporting documents because they allowed someone to commit fraud by having access to my credit report without my knowledge at this point l need help l have no other negative information on my report except for this fraudulent XXXX XXXX account that I have no knowledge of and is not in any way connected to me l do have a FTC report and the bureaus nor XXXX XXXX XXXX XXXX  is not willing to do anything to rectify the situation I am asking that the account be blocked and deleted as I have already shown that in previous months also in reviewing the information on my credit reports the dates and amount for XXXX XXXX XXXX XXXX is different please help me in this matter
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Chargeoff - XXXX XXXXXX/XX/XXXX