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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCOVER BANK XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my consumer report. I see that there are numerous names address phone numbers and employers on me that I never lived at, employers, phone numbers that are not mines and names that i do not use. I have tried to work with your company to clear this up but your company is not budging in removing the inaccurate information. Also the number of inquiries that are on me is not valid. I never gave anyone permission to run my credit. I am a victim of identity theft and your company is putting information on me that are false
Product: Credit reporting or other personal consumer reports

Hard inquiry- XXXX XXXX  : XX/XX/2023. Disputed the fraudulent inquiry & Equifax will not remove it.
Product: Credit reporting or other personal consumer reports

Self reported false information to credit bureau for late payment for XX/XX/year> which is false I have provided documentation
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a customer wrote me to purchase a shampoo style chair, upon arriving to pick up the chair the customers male friend paid me {$150.00} via Cashapp for the chair. They both came to my home and picked up the chair. Some time the week of XX/XX/XXXX a dispute regarding the payment was made. Cashapp, without speaking to me regarding the dispute approved the refund causing my bank account to be deducted {$210.00} Including overdraft fees and return check fees. Upon speaking with Cashapp, they offer no assistance via phone regarding escalations, only via, however, I have not received any response from Cashapp escalation team regarding this matter. In fact, many of their customer service workers disconnected the call from me while trying to obtain further information.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against XXXX regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ). I have sent multiple letters to XXXX pertaining to inaccuracies on my credit report, and I believe they have failed to comply with their obligations under the following sections of U.S. Code : 15 USC 1681e ( b ) This section requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

15 USC 1681s-2 This section deals with the responsibilities of furnishers of information to provide accurate data to credit reporting agencies.

15 USC 1681i ( 5 ) This section mandates that if a consumer report is provided to a person, the agency must complete its investigation within a reasonable time.

15 USC 1681c ( c ) This section addresses the responsibilities regarding the reporting of certain types of information. 

I have not received a satisfactory response and have learned of the recent lawsuit against XXXX, which highlights their failure to adequately investigate disputes and properly handle errors in consumer reports. This raises serious concerns about their compliance with federal regulations and their impact on consumers ' access to credit, employment, and housing. Closed accounts, hard inquiries, and collections is being a severe detriment in my life I made many disputes since XX/XX/2024 and no results I sent letters and everything and no response. 
I request that the CFPB investigate my complaint and take appropriate action against XXXX for their failure to comply with federal law. It is vital that they are held accountable for their actions and that consumers receive the accuracy and fairness they are entitled to under the law. 

Thank you for your attention to this matter. I look forward to your prompt response regarding the status of my complaint.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX XXXX Clone which involved me making deposits for a total amount of XXXX USD from XXXX Bank of America account to a fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

I recently did an investigatoin on my credit report and found several items on there to be inaccurate. under 15 U.S.Code 1681a ( b ) accuracy of report whenever consumer reporting agency prepare a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.Code 1681 ( 5 ) Treatment of inaccurate or unverifiable ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information dispute by consumer an shall ( 1 ) promptly delete that item of the information as appropriate based on the result of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from file of the consumer immediately... .remove please ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  thanks ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more knowledge on. The incorrect and inaccurate information being reported is hurting me to exercise my credit rights.. I read something called the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am sure is inaccurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 
pursuant to federal and consumer law all items mentioned must be removed for the following reason : i the consumer exercise my right to privacy and under the ( FAIR CREDIT REPORTING ACT ) 15 usc 1681c it defines everything that is to be excluded from a credit report. further more i have never given consumer reporting agencies written permission to furnish a report on my behalf with they are required to have under ( FCRA 15 usc 1681b ( 2 ). Due to the nature of theses offenses i can and will hold all parties included accountable and seek litigation if my desired outcome of removal from all consumer reports aren't met pursuant to 15 usc 1692k. please delete information at once I am familiar with 15 U.S.C. Sec. 1681 ( a ) and it states if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? You have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately Account XXXX : XXXX Account XXXX : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report immediately. 
Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I also read where I am allowed the updated report after you complete your investigation. Could you please send it to me? Also, please let me know who had access to my file as well as date time and original contract with signature if your finding comes back to be correct. I want the investigation outcome to be sent to my address and not any other incorrect addresses listed on my report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> the listed companies requested a hard inquiry from credit agencies without my permission or authorization. I filed a fraud report with FTC.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports that do not were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made a call to Heartland ECSI approx XX/XX/2020 regarding XXXX payment. Customer service Representative stated " contact must be made to the school attended. Made contact to XXXX main campus, voice message left student financial services on/around XX/XX/XXXX. 
XX/XX/2020 around XXXX XXXX. 
A returned call from XXXX XXXX Student financial Services ( The Bursars office ) Apologized for someone not returning the call sooner, stated ( left message on another department Voice-mail ). Made Mrs. XXXX I'm unable to comply with payment due to the current situation ( not -working ). Documents received to complete for processing for deferment. XX/XX/2020 Credit score dropped 38 points due to not responding in a timely manner. This  decreases my credit and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were opened through methods of fraud and i have no knowledge of these accounts i would like all relevent documents sent to me personally as i am not under contract with any of these companies nor was i notified of any debt collection attempts all rights granted to me under the FDCA and FDCPA are in violation right now and i would like all of these companies to stop reporting to credit profiles asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I call last month and send letters with update address and ask them too remove address that didn't belong too me. They only update and didn't remove all just some and some address was not mine. I ask too update and remove old phone numbers as well still only updated without any removal. All three bureaus
Product: Debt collection

I had an account for years for my granddaughter, the last year a month after the new year began I added her father and XXXX  sisters. when her contract ended after 18 months I paid the final bill returned the phone and moved her to a new company with her same phone number. Her father and sisters contract ended the next month they returned all of their phones except one it was lost and paid their final billed and moved to another company. 
I had XXXX XXXX on all of the phones, which should have covered the lost phone. If not, that would be the only amount owed. Two years later that put on my credit reports that I owe over {$1700.00}. I have asked them twice to send documentation of how I owe {$1700.00}. I haven't received anything in nearly a months time. My granddaughter was with them for 36 months and I never missed a payment, my credit is important to me, why would I do that? And that is the only negative thing on my credit and XXXX has my pay history and the phones. Maybe you can get them to show you my account records, it will prove that I am telling the truth. Thank you for your help.
Product: Debt collection

After reviewing my consumer report I've noticed that this company is reporting a collection account stating that I owe them an alleged debt. Not only are they reporting this account to my credit unlawfully, but they're calling me nonstop throughout the day at unusual hours. I contacted the credit bureaus that has this debt reporting and asked them to not only investigate this account but remove it if it can not be properly verified. How can I owe a debt if there was never an agreement nor contract between me and the creditor reporting this account? I asked this creditor to cease all communications with me unless they can properly provide me all of the documentation asked in my letter. included in my complaint is a copy of my letter to the creditor and a copy of my consumer report with the unlawfully reporting account. 

Violations committed by the creditor : 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692e - False or misleading representations
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion sent me a letter dated XX/XX/2023 about identity theft in response to my CFPB complaints about them. File number XXXX. No one stole my identity you XXXX idiots. The credit system itself defrauded me. TransUnion and the banks and the government committed fraud. XXXX exposed it, but now it's everywhere. For instance I was defrauded today by " XXXX XXXX '' with a fraudulent adjustment to margin requirements while they are illegally " holding '' my collateral to manipulate the underlying securities. They aren't holding it though. It was rehypothecated and donated to politicians to commit election fraud among other things. XXXXXXXX XXXX  Cease and desist. Leave me the XXXX alone and delete me from your systems and stop spying on me. I'm done. Get XXXX you bankrupt criminals. I'm out. Enjoy XXXX yourselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing up on my credit report as they loaned me XXXX dollars. I never applied for this and I keep calling the credit bureau to get this disputed or removed and I can not get any solution.
Product: Credit reporting or other personal consumer reports

I have been on the market for home purchase as stipulated by lender I had to pay off collections in which Ive done n full. The credit bureaus have yet to update credit report as I have continuously disputed still same results. The lender read off my old data but the bureaus have my report updated on my end so why is the lender not getting the updated report. Ive sent receipts and letters from creditors as well as the creditors my account have been paid still nothing. I am unable to qualify for a mortgage because of this matter and when you call they hang up on you. I need this matter rectified for I am at a stand still with obtaining a mortgage and I have to continue to pay XXXX rent is absurd. Why should I have to pay a credit repair company when Im competent enough to fix my mishaps in which Ive done .tranunion, XXXX  needs to be audited. Please review these circumstances.
Product: Credit card or prepaid card

I received an email on XX/XX/20 saying that my account was placed on hold due to unusual activity and that I needed to verify the source of my direct deposit. I have been waiting months for my direct deposit to be sent to me from unemployment. I sent him identification documents on XX/XX/20 & XX/XX/20 as well as my award letter from unemployment chime responded and told me they still wanted to close my account and that I would not be eligible for a refund. I was sent XXXX from unemployment on XX/XX/20. Im not able to see my chime balance due to my account being suspended but I should have over XXXX left in the account. This company is fully taking advantage of consumers. They even asked me to prove why I was eligible for unemployment in Illinois. I didnt want to send in my 1099 but I did because I need my money. I asked them if they had the right to do this when I already proved I was eligible with unemployment. This has been a nightmare. They also mentioned that I needed a utility Bill dated within 60 days well since the pandemic Im without a place Im living with family in Georgia. My original place of origin is Illinois. At this point the automated emails are frustrating and I just want my money!
Product: Credit reporting or other personal consumer reports

Account was paid in full to the collection agency, XXXX XXXX XXXX in the full amount of {$1700.00}. XXXX removed the account from my credit but XXXX XXXX XXXX is still showing I owe them, reporting late payments and refuse to remove the account and update my status to paid in full.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Complaint Regarding Unfair Treatment by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXETER FINANCE LLC XXXX XXXX XXXX XXXX. 



To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXX and EXETER FINANCE LLC ; XXXX, XXXX regarding their unfair treatment and unjust demands regarding my recent vehicle purchase. My name is [ Your Name ], and I reside in the state of XXXX. The details of my complaint are as follows : I purchased a " good '' vehicle from XXXX XXXX on XXXX XXXX and the financing was arranged through Exeter Finance LLC. The contract was executed, and the three-day cooling-off period has passed. 

Recently, XXXX XXXX contacted me and demanded that I return the " good '' vehicle or pay the full amount due, alleging that I have defaulted on the purchase documents. However, I have diligently adhered to the terms of the contract and have not committed any violations. Additionally, I am concerned about potential breaches of representation and warranties outlined in my contract with XXXX XXXX. Specifically, I provided a down payment at the time of purchase, which, to the best of my understanding, should have satisfied my contractual obligations. However, XXXX XXXX is now alleging default without providing adequate justification or evidence of breach on my part. 

As a consumer in the state of Florida, I am aware of my rights under the Uniform Commercial Code ( UCC ) and relevant state statutes. Specifically, XXXX Article XXXX governs the sale of goods, including vehicles, while XXXX Article XXXX addresses secured transactions and repossession procedures. I believe that XXXX XXXX 's actions may be in violation of the provisions outlined in these articles, particularly regarding warranties, remedies for breach of contract, and repossession procedures. 


I respectfully request that the CFPB investigate this matter and intervene on my behalf to halt any repossession efforts by XXXX XXXX and Exeter Finance. Additionally, I seek a resolution that is fair and just, without further consequences to my financial well-being. 

Attached to this letter are copies of relevant documents, including the purchase contract, communications with XXXX XXXX, and proof of payments made. I urge the CFPB to review these materials as part of their investigation. 

Thank you for your attention to this matter. I trust that the CFPB will take prompt action to address my concerns and ensure that consumer rights are protected. Please feel free to contact me if further information is required. 

Sincerely, XXXX XXXX XXXX XX/XX/2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I'm getting emails still from Amex telling me my account is closed etc etc. 

They are NOT supposed to be contacting me and sending me anything yet their email states they will.I I don't live at the address you are sending it to so good luck with that... 

2. Cease with the emails XXXX number XXXX. 

Every other card knew to leave me alone and close out the accounts. 

All you do is e-mail. 

Stop communication! At this point the lawyer is going to get involved.
Product: Credit card or prepaid card

After reviewing my annual credit report, I realized I had not closed my account with Macy 's. On XXXX XXXX I mailed them a letter requesting Macy 's close my account. I was only able to supply them with the parcial account number supplied on my credit report. On XXXX XXXX I received a letter from Macy 's in response to my closure request. They were unable to close my account with the information provided. I do not know my full account number and would like to have this account closed.
Product: Credit card or prepaid card

Two charges were made on my card without my knowledge or permission. These charges were two cash advances. My card and PIN were stolen my desk at my home while I was out of state on vacation. I employed a house/dog sitter while I was away. The card and PIN were used by the sitter or another person or persons who stole the card and PIN or who the sitter gave the card and PIN to. I discovered the charges and timely filed a fraud claim with Capital One. On XX/XX/ Capital One sent me a letter acknowledging the claim and promising to investigate, see attached letter. On the same day, XX/XX/ Capital One sent to me another letter denying my fraud claim, using a generic form letter, see attached. Capital One did not contact me or investigate my fraud claim, they denied it without investigation, reason, or justification. My losses total {$500.00}. These charges do not belong to me. I filed a sworn fraud affidavit with Capital One, see attached. Capital One still refuses to credit my account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unfavorable accounts, unresolved.The consumer financial protection bureau CFPB has recently filed a lawsuit against experience, alleging, systematic issues such as failing to forward, consumer provided evidence to furnishers accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes these failures Align with my experience where is Experian has neither corrected no removed Disputed items, despite the evidence I provide causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend. The disputed accounts as Experian action, violates federal law in my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Destiny credit card randomly shut off my access to this account and requested a copy of my ID to verify my identity. I sent them a copy of my ID, but they then closed my account. I had a XXXX balance when I last had access to the card. I do not recognize the balance they are reporting nor have I ever been late on a payment on this account. They are reporting me 60 days past due and decimating my credit score and report. They are unwilling to work with me and I have no other recourse to get this negative and false reporting removed.
Product: Mortgage

The mortgage servicer keeps contacting me to say that I owe them more money, after I have already sent in my payment. But they unable tell me why I owe the money or how many days were included in the compounding of the interest rate.