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

Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

The presence of these fraudulent items not only tarnishes my reputation but also poses a serious threat to my financial stability and credibility. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. 


I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove these fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a voicemail message from Perfection Collection stating " this is a call regarding field documentation I have here for you that requires your signature so you need to be available. Make sure you have a photo ID and a witness present. If you're not going to be available today you must get in contact with the filing office directly to avoid any further action being taken. Their number is XXXX. Make yourself available. You have been notified and I will see you shortly. '' This same message was also left on the voicemails of my stepfather and ex-mother in law. The message to my stepfather also stated that if I did not get in touch with the filing office immediately it would be considered a " mark against me. '' They called me in a panic because the message implied it was a law enforcement agency. I have never been left a voicemail by this collection agency before, nor have I received anything in the mail regarding the debt. This was my first communication with them. When I called them back to find out who this was and what it was about, they refused to send me anything in writing. I spoke to Ms. XXXX and was told if I didn't pay right then, I was refusing to cooperate and I better have a XXXX good attorney.
Product: Checking or savings account

IMPORTANT : The Comptroller of the Currency Case # XXXX. 

My checking account ending in XXXX was robbed for most of over {$300000.00} of deposits since XX/XX/XXXX. I reported this to the XXXX, XXXX XXXX XXXX GA, and The Comptroller of the Currency. USAA announced a " data breach '' about XXXX  months ago. I am living in a type of financial poverty in XXXX, GA with my XXXX XXXX  one has severe XXXX XXXX There is no way that I spent, for example {$52000.00} in XXXX of XXXX with XXXX debits/withdrawals with nothing to show for eat other than a long grocery list, rent, and gas. My rent is only {$650.00} a month and my used car is paid off. Now {$52000.00} grand larcened could have been applied to the garnishment. I am certain that they are doing something fishy. For example, USAA office in XXXX XXXX, TX, XXXX, Washington and California and my XXXX account login recorded logins from those locations. Please help me out. 

Hi, I spoke to a USAA bank representative named XXXX because the checking account ending in XXXX was in " credit only '' status because of a garnishment from XXXX XXXX in XXXX account number XXXX ; XXXX. The credit only means that money can't be withdrawn or utilized. On XX/XX/XXXX they transferred a total of {$500.00} into savings account XXXX and checking account XXXX. The USAA representative in his own words said that checking account XXXX is not under garnishment and would remain in use. I spoke to them last XXXX  on XX/XX/XXXX about a few checks that hadn't cleared from XXXX. They said that they would clear on Saturday XX/XX/XXXX. They did clear but then the XXXX account was blocked as well. I spoke to XXXX USAA representatives today, one named XXXX, who said that she would not release the XXXX which is now also under garnishment but doesnt not have a {$0.00} balance like the other XXXX accounts that have holds as well. I spoke to the XXXX XXXX and they said that USAA has a few weeks to reply. There is not even {$1000.00} in all accounts combined. My business associate XXXX  already established a new deposit account with XXXX XXXX  which as far as I know is not under garnishment. I feel that the USAA bank is not fair and affecting adversely other members of my family. Please advise.
Product: Credit card or prepaid card

XX/XX/2018 - I requested a transfer of {$3000.00}. from BarclayCard to my XXXX card. 
XX/XX/2018 - Barclay says they transferred the money. 
This money never appeared in my account. I began calling Barclay and texting them through my on-line account. This has gone on for 16 months now with no resolution. XXXX says they never received the money. It took me one year to get Barclay to send me a copy of their transfer sheet. I immediately saw that it was sent to the wrong account number and have been trying to explain that to them for the last four months. I have contacted Barclay approximately 150-200 times since XX/XX/2018 with no resolution in sight. I have records of each call and each " case # '' they say they opened. The last call I had was with a woman who said she was a supervisor and told me XXXX was to confirm that I had never had this money put in my account and she would respond to me with in 48 hours as soon as she received this from XXXX. NO ONE FROM BARCLAYCARD, USA HAS EVER CALLED ME BACK FROM ANY ONE OF MY INQUIRIES SINCE XXXX XXXX. 
PLEASE HELP ME.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C Section 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding credit bureaus failure to conduct proper investigations. Specifically in which Transunion is apart of, which may not complete sufficient or even sham investigations, and sharing inaccurate credit scores and data to lenders, violating consumer protection laws by failing to meet its obligations, under the FCRA.

As per 15 U.S.C. Section 1681i ( a ) ( 1 ) ( A ), Transunion is required to conduct a through and reasonable investigation of disputed items within 30 days. Furthermore, under 15 U.S.C. Section 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Transunion : 1. Conduct a thorough reinvestiation of the following disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. Provide me with all documentation used to verify accuracy of the disputed information Including contracts, assignments, chains of assignment, purchase agreements, and any other such documents.

3. Correct or delete any information that can not be verified or is inaccurate in any way, as mandated by law.

Given the CFPB findings, I expect Transunion to handle this dispute with the utmost seriousness, urgency, and compliance with legal standards. I will not hesitate to further escalate this matter and pursue any legal actions necessary to protect my rights. 

I expect written confirmations of any changes made to my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialist id # XXXX Covid19 XXXX XXXX   XXXX I don't think I have ever received worse service and customer service from a company in my entire 38 years of life. 

After being approved for forbearance from XXXX/XXXX XXXX/XXXX due to Covid19, waiting 45 days with no response to move payments to end of loan, then making a payment, getting several conflicting answers and then being put back on forbearance, loanhas now erroneously and illegally in direct violation of the CARES ACT been reported by that company to the CreditBureaus as delinquent as of XX/XX/2020. 

At thispoint I must conclude this unfathomable incompetence on their part is gross negligence with intent to defraud your customers.
Product: Debt collection

Yes Im the trustee XXXX, Ive been involved with human trafficking. Ive been lost at sea. 

I dont know how much longer XXXX be on shores, I just found this communication device, ohh XXXX, here they come, got ta run.
Product: Credit reporting or other personal consumer reports

Have just been this account for almost a year I pay XXXX off and they put it in accurate information on my report I asked them for that validation of the debt they could not validate the debt or did they send me a copy of the purchase agreement I pay 11 payments of {$33.00} and then a lump sum sum of {$830.00} for a phone that was That was {$900.00}. They sent it to the collection agency then the collection agency sent it back to XXXX going back-and-forth they say they didnt get my money out of my account but its showing on my bank statement. Ive been going back-and-forth with XXXX XXXX XXXX and Experian and they have a duty to remove in accurate information. Not only is it in accurate each credit bureau has different reports different opening days, different closing dates and different Payment dates in XXXX have already removed it so how can they verify it as accurate? pursuit 605 a of the FCRA 15 USC 1681C I request that you delete this information from my credit report within five days from the date of the receipt of this letter. I have forwarded the same information to XXXX, Experian and XXXX XXXX as you are aware of section 6058 requires that a consumer agency share within five days after seating notice of this dispute from a consumer such as an investigation is as in reason to delete information from this file and notify me, I will now be pursuing legal obligations on the section I never owe them the {$680.00} on XXXX and on Experian it showed it paid and it never should have went to collection because I didnt owe them anything when I paid them the {$830.00}. It is stopping me from obtaining a home and I am pursuing legal obligations for court causes pity damages, legal fees, emotional of distress because I cant. Im not in my home before XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I was recently looking at my credit report as I was thinking of making some home improvements. There are a few inquires on my credit report that are 100 % inaccurate and never authorized by me. These are all fraud and were never signed by me. I never signed any documents with any of the following companies and do not know anything about any of this other than wasn't me. Someone tried to steal my identity. According to my XXXX XXXX it says on transunion I tried to apply for premium card on XX/XX/2020, XXXX XXXX XX/XX/2020 and on XXXX  also is showing premium card on XX/XX/2020, XXXX XXXX XX/XX/2020 and a company XXXX XXXX XX/XX/XXXX. I am also being hit with a late fee from my car dealership. I had spoken to thing months ago when covid happen. I had been a loyal customer for over 10 years. To make a long story short they had said they would remove the late fee due to covid and as curtsy to me for being a trustworthy customer. When I called them today that had nothing in there notes which is one of the reasons I came to you guys to resolve and help fix all this negative stuff.
Product: Money transfer, virtual currency, or money service

I am filling 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 violations.
Product: Debt collection

Called my cell phone multiple tmes that is on the do not call list without my permission. 
Wouldnt verify debt amount Wouldnt provide proof of the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

my relationship began with XXXX XXXX back in XXXX, back then I was led to believe that if one had no credit or e=was even looking to re establish a line of credit that as long as I made on time month payments and was in good standing throughout the agreement I would be ok. as just stated it is advertised and in their contract agreement. I have never been one to really examine or even request for my credit reports until the summer of XXXX, I expect greater things in life such as a house, a car etc. so as I started analyzing my reports I noted that XXXX was in fact reporting to the credit bureaus however, they were limiting what was being reported. the biggest thing that creditors look for when determining credit worthiness vs risk is a consumers payment history, available credit limits, debt to credit ratio, actual monthly payments, and account activity. XXXX negligence to implement those most critical pieces of information while submitting the little that they did has really made difficult for me to build a name in good faith in my community. you see as of XXXX XXXX I started my own business and my business has suffered severely. I cant get a business line of credit, a company vehicle, and my insurance was out of this world. to date I have given to the XXXX XXXX over 35,000.00 and my only source of income at the time being is a monthly social security check however, every month they were paid and paid on time. their method of reporting accurate information is not fair nor is it right when will it be fair to us consumers?
Product: Debt collection

I am in collections from at XXXX XXXX XXXX bill in the amount of XXXX. XXXX XXXX XXXX sent me to collections with a company called ERC. In XX/XX/XXXX, ERC mailed me a settlement offer of {$970.00}, which I accepted by a letter. When I accepted, I told ERC I would be making weekly payments of {$25.00} till paid in full. As of todays date of XX/XX/XXXX, I have 13 cleared checks totaling {$320.00} to ERC. I have not missed a payment since we started our agreement on XX/XX/XXXX. On XX/XX/XXXX, I received a statement from ERC saying I owed a total of {$1100.00}. I wrote ERC back with my payment that week, reminding them of our settlement agreement. I told them that according to our agreement, I owed {$720.00} at that time. Ive continued to make my weekly payments. I now have received a letter from them on XX/XX/XXXX saying that I owe XXXX. This company should not be able to back out of a settlement agreement, especially since I told them I would make weekly payments back in XX/XX/XXXX when we reached this agreement, and I have not missed a payment.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Per the FCRA as federally protected consumer Conns Credit Corp has violated my rights I sent them a letter stating that they have report inaccurate information. Conns has stated on my attached credit report that account XXXX has been charged off. To my understand 15 USC 1681 I am untitled to be compensated for the fact that Conns reported income on my report, because a charge off becomes a certificate of indebtedness which makes it income. And they have my records of transaction on the report as well this illegal. So for those fact and laws I opt out verbal, nonverbal, written and non written that if I have any authorization I am now opting out. on per 15 USC 6802-6805 in the letter I sent Conns. I still have not received a 1099c. Per the IRS INCOME CAN NOT BE REPORT TO ANY CREDIT REPORT. The inaccurate information has effected my credit and I can apply for credit to get the things I need. Please help get compensated and this account removed from my credit reports.
Product: Debt collection

Company has re-aged my collections accounts in order to fraudulently make the accounts appear newer than they are thus creating a higher impact on my credit rating. This is a predatory practice that creates an undo hardship on my financial well being by suppressing my credit score for years beyond legally allowed!
Product: Credit reporting or other personal consumer reports

ining information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the XXXX file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit card or prepaid card

I had two accounts with Capital One that I have had for years. Each account balance is paid in full every month, but I don't often use them. Usually owe nothing. On XX/XX/2021, I closed both of these accounts. One account had a balance of {$100.00} and the other card had a balance of {$34.00}. I immediately paid both balances and asked for my rewards to be paid out as cash. 

Three days after closing my accounts I received a bill in the mail that I owed {$100.00} on the one account. In the interim, I also received an email from Capital One stating that the accounts were closed and I still owed balances as stated above. I immediately called and paid the both bills over the phone. My bank deducted these amounts TWICE, once on XX/XX/XXXX and again on XX/XX/XXXX. 

I called Capital One and who confirmed that YES both accounts had been paid in full, twice. They now owe me {$100.00} and {$34.00}. I was told I would be receiving a refund. 

I am now receiving DAILY emails from Capital One that my account payment is late and I owe this money, yet again. I again contacted Capital One and was assured this was their error but I will continue receiving dunning notices. 

Please investigate. They are ruining my credit. 

Thank you XXXX
Product: Student loan

I made a payment to XXXX XXXX on XX/XX/22. On XX/XX/22 XXXX XXXX transferred my loan to Aidvantage. On XX/XX/22 the XXXX debit cleared my checking account. As of XX/XX/22, the payment is not recorded on my Aidvantage account. I contacted XXXX XXXX and they said that they transferred all funds to Aidvantage and I called Aidvantage and they said that the payment may take 30 more days to credit to my account. It is not my fault that the portfolio was transferred and I find it unconscionable that my payment has not posted after more than 3 weeks of it coming out of my deposit account. And if after 8 weeks Aidvantage can't locate the money, retracing a transaction that occurred 8 weeks prior at another servicer will be very difficult. I want the payment applied to my loan or returned to me ASAP.