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

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Experian and XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX XXXX ACCOUNT # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Debt collection

Hello my name is XXXX and I wanted to start off and say I have recently been a victim of identity theft and I also was scammed by someone who claimed they was a tax worker and they could file my taxes. I personally had no knowledge of this account in my name whatsoever until around like XXXX or XXXX through checking my XXXX XXXX app.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was charged {$95.00} by American Express. Over the years, I received advertising from American Express about their " Extended Warranty ''. I wrote to American Express on XX/XX/XXXX ; this is the first claim I have filed with American Express in twenty years of using this credit card. I have not had a response. 

My letter of XX/XX/XXXX to American Express and related correspondence is attached.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$2900.00}
Product: Credit reporting or other personal consumer reports

I am unable to access my full credit report or score, only the XXXX report is available. Despite providing accurate information i dont have all the information that i should have to gain access to my report and scores. According to the Fair Credit Reporting Act ( FCRA ) is a federal that guarantees that the consumer has the right to said access to their credit reports and scores. Futhermore the Annual Credit Report website has not provided said information, due to a payment being required, whereas its advertised as being free once a year. I am requesting assistance in resolving this issue and being able to gain access to my full credit report and scores.
Product: Debt collection

My account with XXXX was sold to XXXX and recently they were going to subpoena me to court if I did n't pay {$300.00} dollars. So I did n't want to risk going to court and pay fees so I agreed. The so-called debt collectors are called XXXX Management. I checked out their website and it did n't look credible. Is there anyway you can find out if I have been scammed? I know my money is long gone by now but I want to know if I really paid my debt. Also, when I checked my account with XXXX it said I only owed them {$75.00}.
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX XXXX Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I Am a natural man and consumer. I was impacted by the so called 2017 XXXX data breach. I am spending incalculable hours and energy trying to keep up with the fraudulent accounts and inquiries appearing on my personal consumer credit report. This is the third cycle ( 30 day increment ) that I'm sending out disputes to XXXX, Trans Union, and XXXX. Trans Union has sent me stall letters and postcards after each of my disputes stating that they applaud my decision to take control of my credit, but they continue to completely and willfully violate the FCRA by stating that my letters, which have my identifying information, doesn't appear to come from me. First of all, the FCRA does not stipulate that a consumer must notify any credit reporting agency that they are working with the assistance of someone else. Secondly, Trans Union is a multi billion dollar corporation that does not know me personally, so how can they possibly determine what my mail seems like? XXXX continues to send me form postcards that are essentially stall letters as well, stating that my proof of address is insufficient, thereby denying me my right to challenge or dispute any information that is inaccurate erroneous or incomplete, and therefore access to my consumer report. The law states that upon receipt of dispute, a CRA must initiate a " reinvestigation '' of the disputed information, and complete it within 30 days. I am now approaching 70 days with no progress. I've submitted proof of my being a longtime victim of identity theft and the law states that ANY ITEMS THAT ARE REPORTED TO BEE THE RESULT OF IDENTITY THEFT MUST BE BLOCKED WITHIN 4 BUSINESS DAYS. FCRA 605B ( 15 USC 1681c-2. XXXX and XXXX continue to report a fraudulent account from XXXX and company called XXXX ( XXXX XXXX ). I've contacted XXXX  and they said they'd forward it to the fraud department, but all that's happened is they verified the accuracy of the information to the credit reporting agencies.
Product: Checking or savings account

Before XX/XX/2021, I clear my account balanced to XXXX. 
In late XX/XX/2021, Citi paid me {$3.00} interest. 
On XX/XX/2021, Citi charged me a {$4.00} bank fee ( Never charged before ) And then Citi charged me a {$34.00} overdraft fee. 
That is super nonsense : Bank added a few funds and charged me the fee to cause an overdraft and then ask me to pay for the overdraft fee. I am not even the one who cause overdraft here! 
Citi told me I can not get the refund because of their {$35.00} refund per account threshold. 
This is also a nonsense rule!
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a business credit card on my personal report. The business is called XXXX XXXX. TransUnion must do proper investigation about these credit cards and provide me the information. These credit cards were opened fraudulently through a company know as XXXX XXXX. TransUnion is held with the burden of proof that this account belongs to me or that I opened this account, or remove it from my report. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Inquiries XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

My payment history has always been consistent, so these late payments seem out of place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need clarification as to why you are reporting certain information on my report. 
Please review the following : Inquiry Account : XXXX XXXX XXXX XX/XX/21 Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove this unverifiable inquiry from my credit report. 
After you have completed my request, send me a copy of my credit report reflecting these changes. 


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

Mosaic Inc. fraudulently reported an $ XXXX loan on both my credit report and my husband 's credit report. I received notification from my XXXX Credit Report of the loan reported. I initially contacted the XXXX XXXX, XXXX XXXX XXXX  on XX/XX/XXXX of the fraudulent report. The representative told me the financing is done through a third-party company, Mosaic Inc ( which we were unaware of ). I reached out on XX/XX/XXXX to Mosaic via email and never heard a response. The salesperson from the XXXX XXXX sent an email confirming we never completed any loan applications on XX/XX/XXXX. I sent a follow up email on XX/XX/XXXX. Later that day Moasic Inc did respond complaining I did not contact them from the email they have on file. I immediately send another email on XX/XX/XXXX from the correct email address. 

I have submitted a complaint to the XXXX XXXX XXXX  on XX/XX/XXXX. I received a confirmation from XXXX  later that day confirming they received my complaint and are reaching out to Mosaic Inc.
Product: Money transfer, virtual currency, or money service

I bought a transmission fome XXXX XXXX for {$700.00} but the seller was fraudulent I dispute my money but PNC bank declined my claim.my money went to PNC bank but refused to contact it's customer and declined my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, law 15 usc 1681e ( b ) speaks about the accuracy of the consumer reports Consumer reporting agency 's produce! It must have maximum possible accuracy! Accurate means all values correct all information exact! So in general XXXX is furnishing inaccurate information on your consumer reports which is a direct violation of 15 usc 1681e ( b ). Tek Collect INC is reporting inaccurate Information on my credit and I put XXXX on notice. I would like to know the procurers of their investigation in written. XXXX deleted account and then reassigned back on to my credit filer which is illegal. See attachment. I also would like to introduce new exhibit showing reporting of this account out of compliance according to XXXX XXXX standards.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Checking or savings account

On XX/XX/24 I was guiding to a website XXXX XXXX XXXX from a XXXX XXXX for marketing for animal lamps. I purchased 3 animal lamps using the website and my CashApp visa issued card at that time. After the charge was made I never received a confirmation email or number regarding this issue. I reached out to support listed as XXXX to get my confirmation number and details for shipping. I was told that as soon as the product ships from the warehouse I would be updated with the confirmation number and order shipping details. This continued for XXXX weeks. In the meantime others had also realized the avid scam and were beginning to tell their stories and the need to dispute with their financial institutions. So after week XXXX of no information or communication I asked for my order to be cancelled. I was advised that 'monies would return to the card on file '. There still was no confirmation or cancellation email with card numbers or a product that was ever shipped to me. This was an avid scam that only stole monies from me and is pretty clear to see. 

I have submitted 2 disputes including emails sent from this scam and XXXXXXXX XXXX or cash app continues to deny my disputes without giving any valid reason for not honoring a chargeback as this is a scam. Upon sending a documentation they detail that the case number is closed and there is no support for this issue any further. Upon submitting a dispute cash app also threatens to shut down a members account. The company will not dispute this scam and will not follow through with compliance on FDIC insured products, the dispute process and the explanation of reasons that it was denied. I have tried to escalate the issue and yet continue to receive no new understanding for this problem. The institution should protect me from scams, fraud and stolen monies with a visa backed card however they are not in compliance to my problems.
Product: Money transfer, virtual currency, or money service

A person claiming to have a ticket for an event I wanted to go to posted on my local university event page. 
I responded to the post, asking to buy one of the ticket. 
I was only slightly alarmed at how the scammer 's XXXX profile was empty except for a profile picture, but it was late at night ; I did not really mind it. 
The scammer bartered with me for a little bit and told me to pay them via Paypal. 
I was directed to send money to the paypal account linked to XXXX under the name of XXXX XXXX. 
After sending the money, I got suspicious. 
The scammer claimed to be checking the payment to ensure it went through, but the payment had already been claimed on paypal, so I could not retract my payment. 
Then, the scammer deleted their XXXX profile so that I could no longer message them. 
I then promptly called the local police on the non-emergency hotline to file a case.
Product: Money transfer, virtual currency, or money service

I received a fraudulent XXXX in the mail with my maiden name, social and address from Block Inc for {$6900.00} all for XXXX transactions made in XX/XX/year>. The name and telephone number listed in the bottom left is for cash app. My account has been deactivated since before I received the notice in the mail so when I call them they wont even talk to me on the phone because my account isnt active. On the account I have only ever had XXXX transactions over 2 years that come no where near that amount. I have obviously become the victim of fraud. I have tried to contact cash app multiple times. They wont converse on the phone, only want me to use the chat. The problem is when I use the chat it just gives the same prompts and messages over and over, its probably a bot because it doesnt sound like a real person. And no one will actually look into my case or even listen to my complaint.
Product: Vehicle loan or lease

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

WORLD FINANCE CORPORAT is currently showing 30 days late for the month of XX/XX/XXXX and 90 days late for the month of XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Date of Inquiry : XXXX ; XXXX XXXX Date of Inquiry : XXXX ; XXXX Date of Inquiry : XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$550.00}.
Product: Credit card or prepaid card

My Discover Credit Card is for emergency purposes. My account was closed for inactivity without any warning. They emailed me to tell me my account was closed, a simple email to say it would be closing for inactivity would have been appropriate. They refuse to reopen my account. During these trying times with Covid, They should not have closed my account because I was never late with a payment and the card was paid off. Closing my account will affect my credit score. Having to reapply will affect my credit score.
Product: Credit reporting or other personal consumer reports

I have sent certified letter in XXXX and one in XXXX advising unauthorized and/or fraudulent inquiries. They refuse to respond or remove these inquiries that are creating negative results from there being so many.
Product: Credit reporting or other personal consumer reports

I am reaching out for your assistance in investigating accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these late payments, which they agreed to, but they are still reporting them as late. Despite my efforts to follow up, I have received no updates, and this is now my final option for resolution.