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

Experian has a listing on my credit report that is inaccurate. i do not recognize the debt collector and i have been attempting to stop reporting my car loan account on my credit report.I havent gotten any remedy. Im extremely frustrated with this company. they have been violating my rights as a consumer pursuant to the FDCPA AND FCRA.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. I do not have a contract with Portfolio Recovery Associates. Portfolio Recovery Associates is furnishing inaccurate and incorrect information to the consumer reporting agencies. XXXX XXXXXXXX : Account # XXXX ( Balance : {$820.00} ). 15 U.S. Code 1681 s2 states 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. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information. They have caused me and my family severe harm due to their negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account ( s ) from my Consumer Report.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. 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 an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX
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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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: Vehicle loan or lease

I've paid off my car loan last week and I picked up the title release letter at the branch. The agent at the branch informed me that if I wanted the title same day, I can simply go to county tax office to pick it up by showing them the letter. So I went there waiting 2 hours to pick up my title and tax office clerk said I had to go to DMV. So I went to DMV and waited 3 hours to pick up my title and the DMV clerk said they are not able to issue the title because Navy Federal Credit Union is still showing up as lienholder in their system. So I called Navy Federal regarding this and they said I needed to wait 7-10 business days. They literally wasted 5 hours of my time because of misinformation. It's frustrating because I paid off the loan so I can sell the car and buy a new truck. If they informed me that I needed to wait 7-10 business days at the branch, I wouldn't have had problems. But they wasted 5 hours of my precious time ( I skipped work ) so I find this very frustrating.
Product: Credit reporting or other personal consumer reports

Derogatory Remark reported on my XXXX XXXX account noted with 30 days past due payment. 

XXXX XXXX was contacted and sent correction letter via email, forwarded to 3 credit bureaus. 

XXXX XXXX XXXX immediately removed negative remark. However, Transunion Never received for 2 years. 

Sent multiple online dispute but Nothing ever received not resolved. 

Registered /certified mail was sent. 
Originally Transunion said they never received. 

After a month. Magically letter was received. Investigation took more than 30 days with No change.
Product: Money transfer, virtual currency, or money service

I used Remitly mobile Application to transfer money to XXXX, While processing this transaction on XX/XX/XXXX it was told that money will be received by the receiver on XX/XX/XXXX which dint not happen when I check it now it said money will be deposited on XX/XX/XXXX of XX/XX/XXXX, after calling the customer service they were not able to help me with a genuine reason in delay of the process, Meanwhile I also checked my bank account if the funds were debited or not. Good news money was still there in my account and I asked the representative to cancel my transaction as I can not wait until XX/XX/XXXX, as soon as I canceled my transaction the money was debited from my account? Which is cheating and as per Remitly they will process my refund in 7 business day. I need the money as I need to send it to XXXX ASAP. 
Please help me get my money back ASAP Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXA XXXX XXXX ) XXXX XXXX ( Original XXXX : XXXX XXXX XXXX PA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm an authorized signer on XXXX Capital One credit cards. Both myself and the primary card holder have requested Capital One remove my social security number from these accounts and stop reporting these cards under my name to the three credit bureaus. Capital One has refused to assist, even though we were told by Capital One 's security team this is possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts I listed are fraud I don't have any relation with those fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect personal information on my credit report, such as names and incorrect address / old addresses. Below are the names and addresses that need to be removed from my credit report and accounts associated. 

Inaccurate unknown names- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 graduated from my XXXX and XXXX program in XXXX XXXX, I immediately went into after school deferment for 6 months ( XXXX XXXX ). Afterwards, I was in financial hardship for a year until XXXX XXXX, but Nelnet serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted Nelnet in XXXX XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XXXX XXXX. My credit report shows paying ontime up until XXXX XXXX but shows 90 Days late for XXXX and XXXX XXXX for Nelnet for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to Nelnet in XXXX XXXX for my loans to be sent to them, they stated they finally received it in XXXX XXXX, my deferment ended in XXXX XXXX. But nelnet refuse to take actions to correct this issue.
Product: Credit reporting or other personal consumer reports

After several attempts of getting this item removed through the disputing process, they have failed to remove it. This complaint is in regards to a charge off on my Equifax credit report from XXXX XXXX XXXX account number XXXX in the amount of {$29000.00} According to the IRS publication XXXX, if a debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the 1099-c form. The IRS treats the cancelled debt as income, and you will need to report it on your tax return. Income can not be reported on your credit report as a debt owed or not paid. 

Furthermore, this is in direct violation of my rights and privacy according to the Violation of Privacy Act of 1974. 

May I also add that it is illegal to report transaction history according to 15 usc 1681governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by credit reporting agencies.15 usc 1681n ( a ) any person who willfully fails to comply with any requirement imposed under this sub chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of 1 ( a ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( B ) in the case of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the cons as a result of the failure or {$1000.00}, whichever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exhausted from Equifax blatant disregard for my cosumer rights. Violation after violation has been committed under the Fair Credit Reporting Act. The Act clearly states credit reporting compnaies has 30 days to complete dispute or item in question is removed due to its unverifiable status. I will not stand for this anymore Equifax needs to remove the following items from my credit report. The items are submitted with this complaint. Failure to comply will result in a civil lawsuit againgst Equifax. Equifax clocks starts now. They have 10 days to remove the items or the whole corporation will be hearing from my lawyer
Product: Credit reporting or other personal consumer reports

Based on my initial dispute and the provision of supporting documentation, this late open account persist, negatively affecting my creditworthiness. This letter serves as my several attempt to request the correction of this inaccuracy. At that time, I provided all the necessary documentation to demonstrate that this late payment was not valid or was the result of extenuating circumstances. However, despite my efforts, this late open account continue to be inaccurately reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of this late open account not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into the thiss late open account, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct this error and ensure that my credit report accurately reflects my payment history. Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of this inaccuracy. With this, I am asking for your assistance to correct this account : XXXX XXXX XXXX  XXXX Balance : {$12000.00}.
Product: Debt collection

TransUnion 's denial of my valid ID-Theft complaint is a violation of the law, and I demand immediate correction. I am not in error ; as the affected individual, I have the right to raise this complaint for the listed accounts, and TransUnion 's non-compliance jeopardizes my financial well-being. Take swift action to address this issue, or I will pursue legal action against TransUnion. Immediate attention is expected to rectify this situation and appropriately handle my complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I did not know payment would be XXXX on a {$5000.00} loan and its causing a negative balance evey month. I ask them if they could reduce it when I discovered the payment amount and they said it was nothing they could do. I just cant afford this loan at that amount. My bank has rejected the payment this month. I have been trying to get a loan to payoff but have failed.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXXXXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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/year>
Product: Debt collection

Upon receiving a letting in the mail. That they had purchased a debt that had already been removed by the FTC regulartor, I immediately called the company to let them know the debt was not valid. They provided no help or resolution to removing the item from my credit file. I came to consumerfinance.gov to get the information to them in writting. I forwarded to them the information proving that the item had been removed, and that they should cease all attempts to collect this debt including reporting to the credit companies. I received this response from the company '' Accelerated Financial Solutions , LLC received and reviewed the complaint submitted by customer. We understand that Mr . Customer is disputing the account. We have asked the original creditor to provide us with the supporting documentation regarding the above mentioned account. In the meantime, we are requesting the credit reporting agencies remove this trade line and we will cease all activity on this account while we investigate this matter. Upon completion of our investigation and receipt of any supporting documentation, we will provide you with a copy of all material we receive in whatever fashion Mr . Customer would like ( email, fax, etc ). 


If you have any questions, please call us at XXXX. Our office hours are Monday through Friday XXXX EST. 

I removed my name from the above response. 

This debt appears on my XXXX credit file. Accelerated never sent me any information, as they said they would. And are now reporting to my credit file. This is contrary to what they said they were going to do. 

The original debt had already been removed from my credit file. They purchased the debt after the original debt had been found to be not valid. This is in clear violation of my rights. This item must be removed. From all credit files. 

I did everything I am supposed to do to protect myself, but accelerated violate my rights.
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 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 financial losses.
Product: Credit reporting or other personal consumer reports

XXXX XXXX says I owe for a credit card that was open to an address that I never even lived at I never took out or had a XXXX  XXXX card this isn't even my address where it was taken out please have XXXX  XXXX delete this from my XXXX and Experian credit reports
Product: Credit reporting or other personal consumer reports

XXXX shows payment was made on XX/XX/XXXX to cover past due balance for XXXX. I was on time. No Past due payment should be reported.
Product: Credit card

XX/XX/, I checked my Credit Report and saw a late marked from TD Bank. I looked online and couldn't see the account in reference. I went into the branch and they admitted that my new business credit card was not linked to my customer profile to make any payments until fixed at the TD Bank branch yet they still auto 30 day lated to Credit Report. The manager called the collections department together with me to attempt to get it removed but fell short of getting it done. Collections stated that I need to open a case for it was out of their hands.
Product: Vehicle loan or lease

Brought a vehicle from us auto sales in XXXX made all my payments even wen they switched to westlake car was still repossessed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  stated that I have been late on a payment in XXXX with my Ally Bank. Ally Bank has send me a letter stating that I have never been late. So I don't understand why I have a late payment on my account, which is bring down my credit score.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


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

Hi, I can't believe you guys are taking advantage of me. 
I sent a letter regarding inaccurate info and unknown things being on my credit report to transunion 60 days ago. I have not received as response yet and seems as if my disputes being ignored I sent a letter, I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX Account Number : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received an email stating an hard inquiry was pulled from my Equifax credit report. The name of the company is XXXX XXXX XXXX. I submit a dispute to Equifax stating I did not authorize this inquiry and it must be fraud. I received notification from Equifax stating I must call them for more information. I called Equifax on XX/XX/2019 and was told by an representative that Equifax do not investigate hard inquiry and I must contact XXXX XXXX XXXX about removing the hard inquiry. On XX/XX/2019, I called XXXX XXXX XXXX and was told I need to get in contact with Equifax as they do not have any information XXXX XXXX XXXX pulling my credit report. At this point, I am frustrated because no one wants to help me. Please help me and have this hard inquiry remove. 

Thank you.