23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to deal with these bankruptcies on my credit report that does not belong to me. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My address on the bankruptcy says : XXXX XXXX XXXX, XXXX GA XXXX and the correct address at that time was XXXX XXXX XXXX, XXXX GA XXXX. 

2. The last four of suppose to be my social is XXXX on the bankruptcy and the last four of my social is XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. I have attached a copy of the petition given to me by the clerk office. The case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter along with a letter from the courts certified mail to dispute a bankruptcy on my credit report with Experian, XXXX, and XXXX stating that the courts does not report any information to credit bureaus and is not responsible for verifying or validating information from consumers credit files. Experian along with XXXX sent me a email stating the information was Valid! It will remain until XXXX.
Product: Credit card

As a longtime card holder who responsibly pays off his balance every month, I received a promotional email from American Express telling me " do n't forget '' that the card could " allow you the flexibility to pay over time '' during the holiday season and reminded me that I am " permitted '' to carry a balance on the card. The email did not mention that such behavior amounts to taking on personal debt, or that American Express would collect interest on this debt - though, of course, it would.
Product: Money transfer, virtual currency, or money service

I paid for concert tickets via the XXXX app and was scammed. I never received my tickets and attempted to cancel my transaction through XXXX as well as through my bank, XXXX, but both have claimed they are unable to do anything at all. XXXX will not let me dispute the charge. XXXX claimed they could not stop the transaction even though I called immediately after making the transaction and before it has been posted. I also called Chase bank, the bank which the scammer claimed he has an account with, in order to report someone using an account for fraudulent activity. I was told by Chase that there is no avenue through which to report something like that. I have also submitted a police report through the Internet Crime Complaint Center.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my account consumer credit card was closed by XXXX XXXX, and it was charged off in XX/XX/XXXX. In XX/XX/XXXX it was sold to XXXX XXXX XXXX XXXX, and in XX/XX/XXXX the account with XXXX XXXX XXXX XXXX was settled in full. As of today XXXX continues to report the account as a charged off collection account, and there is no indication that it was sold to XXXX XXXX XXXX. 
The account status does not state it has been sold rather it states that it is charge off collection. I have submitted several disputes since XXXX  disputing the incorrect reporting ; however, XXXX continues to validate the information as correct reporting.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process used to review the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumers dispute. 

Upon reviewing my credit report, I discovered that my XXXX account reflects inaccurate late payments, despite my consistent record of timely payments. It is imperative that consumer reporting agencies ensure all information is reported with complete accuracy, and I am now requesting that Experian thoroughly investigate this account and update the entries to reflect on-time payments. 

Discrepancies in Reporting : The credit reporting agencies have inaccurately recorded late payments on this account that do not reflect my actual payment history. The discrepancies are as follows : XXXX : 30-day late payment in XX/XX/year> Experian : 30-day late payment in XX/XX/year> XXXX : 30-day late payment in XX/XX/year> These entries are incorrect, as I have consistently made all payments on time. 
Legal Basis for Dispute : Under the FCRA ( 15 USC 1666 ( b ) ), I am entitled to the accurate reporting of my account history. The presence of these erroneous late payments misrepresents my creditworthiness, potentially constituting a violation of both the FCRA and the Truth in Lending Act ( TILA ). Additionally, sections 15 U.S.C. 1681i and 1681s-2 of the FCRA mandate that credit reporting agencies and information furnishers correct inaccurate or incomplete information in consumer reports to ensure maximum accuracy. 

Requested Action : I request that Experian perform a comprehensive investigation into this account and promptly remove the inaccurate late payment entries to reflect my correct payment history of 100 % on-time payments. 

Please confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 

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

XXXX  still reporting on my credit report closed.original balance was {$2000.00} now {$0.00} was open fraudulent and needs to be officially removed from credit
Product: Credit reporting, credit repair services, 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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

They call my minor child 's cell phone starting at XXXX local time running throughout the day from different numbers each time. If anyone answers or calls back they become threatening and abusive on the phone. How they can do this to a child 's number is beyond me. We've reported it to them, blocked the numbers but the calls and abuse just wont stop. 

Protofolio Recovery
Product: Student loan

On XX/XX/2019 I began receiving numerous calls multiple times per day. On XX/XX/2019, I returned a call and was taunted by a representative by the name of XXXX who threatened " we will call you everyday 8 times a day until your debt is settled ''. On XX/XX/2019, I mailed out cease and desist letters to both the Federal and Private loans departments of Navient requesting for Navient to " cease and desist communication with me, as well as my family and friends in relation to this and all other alleged debts ''. However they have continued to violate my rights under the federal debt collection laws by contacting my family and friends despite supervisor XXXX XXXX confirming receipt of cease and desist correspondences on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

OCWEN LOAN SERVICING IS STILL REPORTING 2 MORTGAGE ACCOUNTS ON XXXX SINCE XX/XX/2015. OCWEN MUST NOTIFY XXXX   REPRESENTATIVE AND MAKE SURE YOUR CREDIT REPORTING BILLS ARE PAID TO XXXX.LOAN NO.XXXX
Product: Debt collection

They contacted me by phone, XXXX. Tried to scare me that they worked garnish wages, take our assets, go to jail, be sued. Then after I asked them not to call anymore, it email, I sent them a crease and desist in contacting me, along with my spouse, as it was starting to become a harassment, multiple calls and multiple people staying they would do all the above even after i told them we don't have it. They kept contacting me. I tired to work with the prior credit card company but we just didn't have it with XXXX  and 1 person working, even with the hardship. Then with the debt collector i tried to tell them the same thing. 
But they didn't want to work it out, they wanted it all. They called many of multiple times. And our home. I don't have specific days but I'm sure that we could get at & t wireless to give us a copy of our call list and you'll be able to see all their calls. They are taking us to a court mediation. But I've got proof that I sent them a fax to cease and desist calling or contacting, and sent them a debt validation letter that went past the 20 days of response.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Cash Apps handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cash App numerous times and reporting discrepancies, my financial institution and Cash App failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Cash App has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 USC 1681i. 

The disputed item ( s ) is/are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this/these item ( s ) [ is/are ] inaccurate for the following reason ( s ) : I'm affected by the XXXX data breach. 

Pursuant to 15 USC 1681i ( a ) ( 1 ), you are required to investigate my dispute and verify the accuracy of the information within 30 days of receipt of this letter. Additionally, under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), if the investigation does not result in the correction or deletion of the disputed information, you must provide me with a detailed description of the investigation process, including the contact information of the furnisher of the information. 

Further, if the disputed information is found to be inaccurate or incomplete, I request that you promptly delete or correct it, as required by

15 USC 1681i ( a ) ( 5 ) ( B ), and send me a corrected credit report reflecting these changes. To assist with your investigation, I have attached the following d
ocumentation : Please confirm receipt of this dispute and inform me of the results of your investigation in writing within the time frame required by law.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

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

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

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

on or about XX/XX/XXXX, Experian was notified via my attorney in writing of a pending dispute XXXX XXXX XXXX. We submitted over 100 pages with that mailed dispute. 
This indirect dispute triggers an obligation by a credit bureau pursuant to 15 U.S.C. 1681i to conduct a reasonable investigation of the information i disputed. 

Experian must notify the data furnisher ( the entity that supplied the incorrect information ) about your dispute. The furnisher is then required to conduct a separate reasonable investigation pursuant to 15 U.S.C. 1681s-2 ( b ). 

neither Experian nor XXXX have bothered to fix the inaccurate information you disputed, the Fair Credit Reporting Act allows you to sue XXXX, Experian, and/or XXXX AND sue the data furnisher in federal court. 

Experian continues to report my account negative despite being fully aware that there is pending federal litigation against XXXX. 

Experian has failed to conduct any reasonable investigation. On XX/XX/XXXX,, I called experian to speak to one of their " dispute specialists '' upon further inquiry they refused to give me a copy of their alleged investigation. i asked what steps they took. he acknowledged they rec 'd my dispute on XX/XX/XXXX. i asked whether they read what i sent and he said they review it and " determine if its valid ''. then they contact XXXX  about my dispute. He said he could not confirm what day or " what hour '' Experian contacted XXXX. He said that on XX/XX/XXXX XXXX  simply " stated '' that I was late. The so called dispute specialist had no infmation on how XXXX  " stated '' this ( in writing, via email, via phone ) and had no copy of what dates XXXX said I was late on. 

then supervisor XXXX said they actually do not review anything they are just intermediary. experian does not take a position- which is contrary to what the previous dispute specialist said. she said theydont ask for evidence just the result. she refused to disclose how XXXX conveys that information to Experian, thereby I am left out of this side conversation. she confirmed on the recorded that theydo NOT conduct an investigation that in fact XXXX  The representative was extremely unhelpful and was unable to answer the most basic questions related to their so called investigation. XXXX said i would need to re-dispute yet their website will not allow me to upload again the same documents b/c there is alraedy a pending dispute .... yet they previously stated on XX/XX/XXXX XXXX respoded and that the investigation was complete. 

the bottom line is that EXPERIAN has failed to conduct any investigation that could even be considered " reasonable ''. they admitted on their recorded call that they are nothing more than an intermediary
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I recently signed up for a new Citi Premier card ( ending in XXXX ) on XX/XX/XXXX. The information packet I received with the card indicated I was not eligible for the sign up bonus of XXXX points after spending {$4000.00} in 3 months because I either " earned a new cardmember bonus or closed a Citi Rewards+, XXXX XXXX  Preferred, Premier, or Prestige in the past 24 months '' However, I keep very diligent records and see that the last XXXX  card I earned a signup bonus was a previous XXXX XXXX card which I opened on XX/XX/XXXX ( ending XXXX ), for which I received the bonus points in XX/XX/XXXX ( see attached XXXX  points history, and note that the name listed is XXXX XXXX because that is my maiden name ), which would mean the 24 months has since passed between then and my newest application. 

Of note, I have converted products from that Premier card ( which ended XXXX ) to a Preferred in XX/XX/XXXX, and then to a Rewards+ recently in XX/XX/XXXX, but I never closed any of those XXXX   cards. 

As such, I have neither earned a new cardmember bonus or closed a XXXX  product within the last 24 months and should be eligible for the bonus on this new XXXX  Premier card. 

When I called Citi to explain this issue, it came to my attention that the representative saw an apparent previous Citi Premier card opened on XX/XX/XXXX ( ending in XXXX ). This is a Citi Premier card opened by my HUSBAND, not by me. I believe that during my application for my Premier card ( ending XXXX ) that I accidentally put in my husband 's SSN rather than my own, and I had to call the application department to correct the application. However, it appears that this original mistake is what caused my new account to be flagged as ineligible for the sign up bonus, due to the original SSN linked to the application to be associated with a recently opened XXXX product. I assumed this would be a simple mistake to correct, and was told the situation would be explained to the " back office '' and that I would receive a letter resolving the issue. However, I have since received a letter stating that I am still ineligible because I was requesting a " new account offer [ be ] applied to [ my ] existing account, '' and that new offers are only available on new accounts. 

This completely misses the point that the original offer should have been applied to the new account but was erroneously not-applied due to a mistake on Citi 's part. I am not trying to apply a new-card bonus to an existing card ; I am trying to have a wrongfully refused new-card bonus properly credited to a new-card. 

I have since tried repeatedly calling in to explain the insanity of this response by Citi, but am unable to speak to a human and get hung up on by the computer system.
Product: Credit reporting, credit repair services, or other personal consumer reports

The law has been printed and made clear but the credit bureaus are not following them. Are they above the law? Transunion is in clear violation of my rights and not abiding by the following law : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information Transunion has an ENTIRE section of adverse information reporting on my consumer report that is causing financial harm to me as a consumer and is inhibiting how I navigate through commercial sector of life. I have included the most recent credit report from Transunion so you can see the direct violation of the law stated above. 

I hope the CFPB acts in good faith and governs Transunion accordingly.
Product: Credit reporting or other personal consumer reports

Several inquiries conducted on my credit without authorization. I have tried to reach the companies but to no avail
Product: Credit card or prepaid card

They closed the account with out our authorization. Than when we called back they said I closed the account when I never told her to close the account. These lines are recorded but everytime i call to tell them this they we couldnt do that. If we could get the recording of that day to prove to them that we never authorized the closing of the account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I sent money to a Cash App recipient for them to retrieve immediately. The family member stated that they received the notification for the funds and that they cashed it out for that same day however when checking on the XXXX of the same month the transaction was still pending. I checked on my end and it was saying pending as well and the person needed the money that day so I cancelled it. There were 2 transactions from 2 different banking accounts to the same person. They both were showing pending and CashApp was not available to assist so I cancelled both transactions. One went back to my CashApp account of which I had to pay a fee to retrieve the funds and the other one showed canceled however it never came back to my CashApp account nor to my banking account. On that Monday I contacted CashApp and was told that they never showed the transactions pending and that they cancelled and returned both amounts. I told them that I only received the one for {$270.00} and I'm unsure of why I'm being charged to retrieve money that they failed to deliver and was told that this is the way cancelled transactions are handled and that I will have to give the other transaction for {$270.00} at least 24 hours to go back into my account. I called back twice after this at which time I was informed that the funds had been returned to my bank and there was nothing more that they could do that I would have to handle this with my bank.