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

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX/XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am the living human being. I have rights under 15 USC-1681. 

XXXX is govern by 15 USC-1681, and they violated my rights numerous times. 

I demand these accounts listed be removed : XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ACCT # XXXX XXXX XXXX XXXX acct XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX to 15 USC-1681 I have the right to privacy and I did not give XXXX permission to furnish these accounts.
Product: Credit card

Purchased tickets with my Barclays XXXX Airlines MasterCard. Compensation for delayed baggage is listed as a MasterCard benefit. 

A claim must be filed in 60 days and can apparently only be done over the phone. The benefits/claims website ( XXXX XXXX XXXX ) directs claimants to call XXXX. 

I have called the XXXX number, entered my information dozens of times only to have the call pause and then drop. In the one instance I got someone on the phone ( by selecting the Concierge option instead of claims option ) the call mysteriously hung up after I mentioned wanting to file a claim. 

The www.mastercard.us chat support function also provided no actual support and just directed me to the same phone number that did not work..
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 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 seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many accounts that are not mine and they are all on my credit report I have no clue how all these accounts are on my credit report and why they are there I never applied for these and these are not mine not one of them I need this off my credit report asap!!! I have reached out to the bureaus as well as the funrishers and nothing is being done I have even opened an ftc report concerning these accounts this is redicolous. 


Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : JXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX : XXXX ( Agent/ Beneficiary ) All right reserved without prejudice Enclosures : Identity Theft Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

I originally submitted a trip delay insurance reimbursement request to my Chase United Visa Credit card at the end of XXXX for a trip delay for my family of 4 to XXXX at the end of XXXX ( before 60 days ) when we were stranded in XXXX instead. We had to purchase two hotel rooms in XXXX, couldn't cancel our hotel in XXXX, purchase food in XXXX for the day that we were there, and then had to purchase four train tickets the next morning to XXXX because there were no available flights. This was during the XXXX XXXX XXXX XXXX XXXX. 

Our credit card, which was used to purchase all four tickets, has trip delay insurance coverage, which I read all the details about, and we are entitled to reimbursement for our four travelers for a total of {$1300.00}. 

I have provided mountains of documentation, including all receipts for all expenses and proof of purchase via credit card statements. 

The credit card insurance provider, for 2+ months now, keeps waiting 1-2 weeks each time something is submitted, and then they ask for another document each time stating something that was previously not requested has not been provided. This has happened for at least four iterations In the last one, they asked for a document that I already provided. 

It has become clear that they are purposely delaying and making it as difficult as possible in the hope that I will give up.
Product: Debt collection

They have called and sent me a letter claiming I got a ticket 1.5 years ago on a rental car in XXXX. I called the rental car company to see if any tickets were issued against my rental car and they said nothing was filed. I told this to Cedar financial and they continue to leave me multiple voicemails every day saying the same thing over and over. They wo n't give me any information about this claim unless I " confirm my identity '' by telling them personal information. This is getting to the point where it 's ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus listed the following inquiries on my report without my written permission. These are all grounds for removal They also they violated my rights unde

r 15 U.S.C 1681 Section 604 A Section2 : The law states a consumer reporting agency can not furnish a account with my written instructions. They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my dispute. They also violated my rights under 15 USC 1681 ( 5 ) ( a ) ( I ) ( ii )
. The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete they information from the file of the consumer List of inaccurate inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XX/XX/2020 / {$2300.00} SYNCHRONY/ASHLEYS HOME STORE / XXXX {$3400.00} XXXX XXXX XX/XX/2020 XXXX {$13000.00} XXXX XXXX XX/XX/2020 / {$52000.00}
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. 


XXXX ) Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX ) Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX XXXX ) Inquiry date : XXXX XXXX, XXXX DEPT OF ED US DEPARTMENT OF E XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX these accounts have 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 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: Credit reporting or other personal consumer reports

I've requested to the company to provide me information as to what Remarks they added and removed to my accounts also not being told what remarks are bring added or removed. Transunions isn't showing my 3 credit cards only 2 and I can not get any reason from any of the institutions as to why they have taken my score from XXXX and now dropped it to a XXXX!
Product: Student loan

Student Loans being reported is in violation of the Family Educational Rights and Privacy Act. Upon signing up for student loans, they said they would not provide transaction history to any third party companies.
Product: Credit card or prepaid card

Past financial issues caused me to miss payments despite my best efforts to always be on time. I am wrote a goodwill letter see if BMO Harris Bank would be willing to make a goodwill adjustment to your reporting to the three credit agencies. 

During the time of service that I had with their company, I was unemployed for a year following being laid off from my job. In XXXXXXXX XXXX XXXX, my unemployment funds were depleted and by XXXX XXXX XXXX, I was being evicted from my apartment. I strived but failed to complete payments on time. 

I asked that they understand my financial obligations and that if it werent for my lack of funds, Id make an excellent repayment record. Ive had the misfortune of falling behind but I have been committed to cleaning up my mishaps and I believe these missed payments do not reflect my creditworthiness and commitment to repaying my debts. 

I kindly asked that the company would consider this and assist me in improving my current circumstances. Im planning to apply for an apartment to resolve my homelessness and its come to my attention that the collection on my credit report could hurt my ability to qualify. It would help immensely if you could give me a second chance and make a goodwill adjustment to remove the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many attempts to resolve the error with the account on my report. The credit reporting agency did not provide proof this account was mine or written consent to furnish this posting to my account. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX Account # 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent from the consumer. No proof of written instructions or consent has been provided after initial investigation. Please reinvestigate this error and them them provide proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never fail to disappoint me when it come to doing their best at nothing. I have been sending numerous letters and complaints to the Credit Bureaus urging them to properly investigate the accounts in which I belived reporting erroneous information and doing harm on my Credit File. Despite all my efforts, the Credit Bureaus grew negligent and never even bothered to do an investgation on my Credit File. The FCRA gave the Credit Bureaus ample amount of time to do a proper verification and correct the accounts and yet they have failed to respond to my letters. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I need the Following acounts verified and corrected immediately : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$180.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX
Product: Debt collection

Every year around tax refund time this company starts calling trying to collect a debt from over 15 years ago that is not my debt. They are now calling for $ 700+ owed to Capital One for an account that is not nor has never been mine. 
Date started calling this year : XX/XX/2020 Time : XXXX cst Phone number called from : XXXX I stated this is not my debt and I do not owe to Capital One. I said I track all my accounts carefully and monitor my credit report weekly. Please do not call me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called several days to request that XXXX XXXX to remove the credit card account from my credit report because I am just the authorize user. I was told that they can not remove the account for several reason. The first was because my card was still active, so i asked to closed my card account. After I did this they still refused to remove the from my credit report. I called the XXXX XXXX credit bureau department and they stated that my marital status was the reason why the account will not be deleted. Every time I request to speak to a manager the call disconnects. I am again requesting for the account to be removed from all three credit bureaus because I am not the responsible party on the account and the account is closed. Please removes immediately.
Product: Debt collection

I was getting pre-approval for a home loan and the credit report came back with a debt collection item of {$520.00} from TSI debt collection services. After calling TSI, I was informed that the collection was required by an apartment complex that I had previously lived at ( XXXX XXXX apartments, XXXX FL ) It had been over threes years since I lived at that location but the apartment complex nor the debt collection agency ever contacted me regarding the debt. The only reason I found out is the credit report which has now become detrimental to the interest rates on two home loans. After reaching out to XXXX and the apartment complex multiple times, I still have not received any documentation on what the expenses are for, nor an itemized listed depicting how the total was derived. I dont believe there are any legitimate claims as I finished my lease as required ; I believe this is a fallacious claim by the apartment management company and a very poor job of research/communication by the collection agency. I simple can not believe that a company can adversely affect my credit by issuing a claim with no documentation!
Product: Credit card or prepaid card

I added a new bank account to the auto pay of my Amex XXXX XXXX everyday card on XX/XX/2022. They didn't proceed my payment and hit me with a late fee. I used online chat and made a one time payment and they waived my late fee. A few days later I was hit with an interest charge. Used online chat again. After a few confusing rounds they told me they couldn't waive the payment. Reason being that they already waived the late fee. They also admitted that the app and auto pay features was a " work-in-progress ''. That led to the fees and the waste of time trying to resolve this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against EQUIFAX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, EQUIFAX consistently responds within 24 hours stating that the accounts are accurate, without providing me with any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, EQUIFAX 's actions contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation. 

These are the accounts that I have marked inaccurate : Account Name Account Number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover card THROUGH A LETTER WITHOUT ME REQUESTING IT, They offered me a CREDIT CARD WITH NO INTEREST FOR ONE YEAR. 
Enter the internet to accept the offer and when the process ends, they inform me that they no longer offer me the card without interest payment. so I decided not to accept the card because that was not the offer I received. 

Discover card offers me with my Name a promotion, they check my score and then tell me no! I accepted that they consulted my credit because I was offered a promotion of non-payment of interest but then they say no. 

I request to you, please help me to remove from my credit history the consultation of my credit by DISCOVER card! 

thank you very much!!
Product: Debt collection

I lived in this apartment complex from XX/XX/XXXX to XX/XX/XXXX, the cable, water sewer consumption and trash was included in the rent monthly. Tenants were not allow to separate the utility from rent, all utility were included in the rent total. I do not owe the cable company any money and the cable bill was not in my name. Please remove from all the credit reports.