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

On XX/XX/2022 I notice there was serval errors on my credit report with XXXX, Equifax and XXXX. I reached out to them to fix the errors and also sent out a notice of error to remove all fraud that has been reported on my account without my written consent. The credit reporting agencies never responded back to me or bother to fix the problem. So I sent out a second notice on XX/XX/2022 to all the credit reporting agencies and still haven't receive a response back for them to fix the errors. This will be my last attempt to try to work this out before I have to take the steps to start the litigation process about the fraud activity taken place on all the credit reports.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  i noticed some violations on my Equifax consumer report. 

I did not authorize anyone employed by these companies to make any inquiries and view my credit report. In addition, I did not give you Equifax permission to furnish this information onto my credit report. This is a clear violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my rights to privacy. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. I also demand you, Equifax, to produce a contract between you and I, consumer, bearing my signature showing that I gave permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. 

Please note I have also attached an invoice for said violations.
Product: Credit reporting or other personal consumer reports

I am writing to request from the Consumer Financial Protection Bureau ( CFPB regarding the discharge of my student loan and a potential violation of the Fair Credit Reporting Act ( FCRA ). 

I have been facing severe financial hardship due to the student loan being reported on my credit file incorrectly and repeatedly. I received a letter from XXXX on XX/XX/2022, stating that my loan has been paid in full ( attached ). I believe that I may be eligible for a loan discharge based on these financial difficulties and would like to explore this option further. 

Additionally, I recently obtained a copy of my credit report and noticed inaccuracies in the reporting of my student loan account. The discrepancies have adversely affected my credit score and financial well-being. I suspect that there may be violations of the FCRA in the reporting of my student loan information. 

I kindly request that the CFPB investigate these matters and assist me in resolving the issues related to the discharge of my student loan and the potential FCRA violations. I have attached relevant documents, including proof of financial hardship and copies of my credit reports, for your review. 

Please let me know the next steps I should take and any additional information required to facilitate the investigation process. Your prompt attention to this matter is greatly appreciated. 

Thank you for your time and assistance. I look forward to resolving these issues with your support.
Product: Credit reporting or other personal consumer reports

XXXX is reporting information illegally bought by a creditor while I a victim of XXXX XXXX XXXX  and XXXX. I sent them even more proof and they still denied my request and left the report on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

did not authorize them and they are causing me great concern.
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 fraund on there 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 redressfor these violations.
Product: Debt collection

I n  XX/XX/XXXX  I go  t a call from IQ data collec ting a debt in the amount of  XXXX  dollars ; at the time I believed this to be the  XXXX  dollar bill which I paid from  XXXX   XXXX  for a move out charge which turned out to be on a different account. Then I discontinued contact with  IQ dat a. In   XX/XX/XXXX  we discovered that the amount IQ data was charging us for was another amount arbor terrace put  on our account as a damages and others fee ; we then went into     XXXX   XXXX   and resolved the debt, we were not given a receipt. Come   XX/XX/XXXX  I beg an trying to te ll IQ data that the deb t was resolved but they insisted on me sending proof, by  XX/XX/XXXX  I had for gotten that I did not get a receipt so I believed I h ad one.   By the time I had discovered that I had no receipt    XXXX   XXXX   had s witched management companies from    XXXX   XXXX  . N ow neither of them claim to have my receipts but they both do n't have any debt under my name either. So now the only people who are still trying to collect are t he debt collectors of  course who wont be satisfied unless I pay or cough up a receipt for a debt that no longer exists.
Product: Credit card or prepaid card

My wife and I were defrauded by a hotel that was advertised by American Express Travel as a 4 star hotel. It was a dirty, unventilated room and the hotel had no food. We have tried to resolve this with American Express and American Express Travel by disputing the charge twice. We have photos of the room and an explanation of the conditions. 
The hotel charge was {$300.00} for one night on XX/XX/2019 in XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX is reporting with a thirty days late remark. TypicallyI always try to pay on time and I don't have late remarks anywhere. However, this time unfortunately as a result of XXXX XXXX  which I have severely suffered through I've earned a late remark.XXXX  at the time has followed the CARES act and extended the time for payment upon request which I was not capable of doing at the time. Should I've connected XXXXat the time I would've gotten an extension and avoided this remark. ThereforeIam kindly requesting that the remark be removed to rectify the damage it's causing me now while shopping for a mortgage. 

Please get it resolved as soon as possible. 
Thanks in advance for taking this into consideration and for the opportunity to share it with you.
Product: Debt collection

I am reaching out because I reached out for validation to this company that showing on my credit report. I reached out to them and they responded that they can not locate any account for me, yet they are still reporting to my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding my Experian Credit Report. I submitted a dispute on XX/XX/XXXX for Experian credit report # XXXX disputing a loan account on the report with the name " XXXX loan account ''. I asked them to remove the loan account from the report since it is no longer being serviced by XXXX. Their resolution on XX/XX/XXXX says that The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. 

I have attached a copy of the email provided by XXXX that the load is no longer being serviced by them. XXXX no longer has any ownership of my loan account. They transferred the loan to another provider, XXXX XXXX, and I have been making regular payments to them. 

The Experian credit report is inaccurate on the following points. 

Status Updated Date is XX/XX/XXXX. If Experian says that they investigated my dispute and the information on the account was confirmed and updated as of XX/XX/XXXX, why is the installment loan account still in good standing when there is no payment made after XX/XX/XXXX? This is because they no longer service the account and have no financial relationship with me. 
Provider Name is incorrect Balance is incorrect This XXXX account is no longer active and it will never be updated since I dont make payments to them, and they dont service the account anymore. This account has not been updated since XXXX and is harming my credit score and credit worthiness because it represents inaccurate and misleading information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2005 XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$730.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

I am unaware of this debt. I did not have the proper opportunity to dispute this information. If infact you believe I received proper notification, then please SEND ME THE CERTIFIED RECEIPT with my name and signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refuse to update correct mailing address after I have submit my " state '' Driver license.
Product: Debt collection

This complaint is being filed to ensure I receive a response from the debt collection company. Credit Management Company and or Collection Management. I am utilizing this CFPB complaint as a medium of written communication to inform them of my refusal to pay the alleged debt they claiming I owe because it is a debt that resulted from identity theft. The alleged debt they are claiming I owe does not belong to me.
Product: Credit card or prepaid card

I received a {$500.00} AMEX Gift Card from my company back in XXXX. It remained unopened in the AMEX gift card envelope until I tried to use it in person on XX/XX/XXXX and it was declined. 

I called AMEX Gift Card XXXX, XXXX on XX/XX/XXXX, spoke to a representative and found out that it was used on XX/XX/XXXX for {$490.00} via XXXX purchase. 

I called XXXX at XXXX and spoke to a representative who introduced herself as XXXX at XXXX XX/XX/XXXX. 

I explained that there was an unauthorized purchase made and I would like to have more information on it. 

She asked me that in order to proceed further I needed to get Charge ID # and description of purchase, and then call back to XXXX at the Charge Inquiry Dept to obtain more detailed information. 

I called the AMEX Gift Card line again and obtained the Charge ID #, but they did not have the description of the purchase. 

I called back XXXX XXXX at XXXX XX/XX/XXXX and spoke to XXXX , and again explained the unknown purchase using my Gift Card and gave the Charge ID #. 

XXXX then transferred me to another representative. When I inquired why she told me that " [ they ] can better assist you using the gift card number ''. 

At XXXX XXXX, I was transferred to an XXXX representative, XXXX, where I explained again the unknown purchase with the Charge ID #. She then said XXXX is unable to do anything about it nor give further information. She then offered to me that for further help, I can be transferred over to her Manager to which I agreed. 

I was then transferred to XXXX at XXXX, Leadership Dept. Supervisor who said " XXXX does not have any responsibility of how or where balance for purchasing goods comes from '', regardless of whether the balance for purchase was unauthorized or not. 

XXXX then told me to dispute the charge through the bank institution and relentlessly explained XXXX is not responsible about the purchase nor fraudulent card usage. She then hung up the phone on me at XXXX, XX/XX/XXXX. 

I called back to American Express Gift Card XXXX, at XXXX XXXX, XX/XX/XXXX answered by representative XXXX, and explained that according XXXX, American Express can help or dispute the charge. 

Unfortunately, he explained to me that gift cards are " treated the same way as cash so Amex can not nor will not dispute the charge ''. They can only make an internal reference note regarding this matter if I give my name, phone #, and address which I agreed to.
Product: Credit reporting or other personal consumer reports

Fraudulent Hard Inquires : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have been harassed, treated with litigation & others by Midland collection, Midland Funding LLC,  Midland Credit Management. These Companies have different ( but the same ) Every year since XX/XX/XXXX. The History is as follow : XXXX by Midland Collection Agency XX/XX/XXXX XXXX by Midland Collection Agency XX/XX/XXXX XXXX by Midland Funding LLC XX/XX/XXXX XXXX by Midland Credit Management XXXX XX/XX/XXXX XXXX by Midland Funding LLC XX/XX/XXXX XXXX by Midland Credit Management XX/XX/XXXX I have been sue by these Credit Collection Companies for the since XXXX. Please I need these to stop. 
As you know in the State of Texas one can not by sue after 4 years. Every time is the same : I apologized it was someone else. Please stop Please get theses companies to stop
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Maryland XXXX XX/XX/year> KIKOFF INC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Kikoff, I am writing to formally request that you refrain from selling and furnishing my non-public personal information to any third-party organizations, in accordance with relevant consumer laws, including 17 CFR 248.7 and CFR Part 1022 - Fair Credit Reporting ( Regulation V ). As a consumer, I am exercising my rights to privacy and data protection by opting out of the sale and sharing of my personal information. This includes but is not limited to my name, address, email address, phone number, and any other non-public personal information collected by XXXX. 
Under 17 CFR 248.7 and CFR Part 1022, I am entitled to opt out of the sharing of my personal information with third-party organizations. Therefore, I request that XXXX cease all activities related to selling, sharing, or furnishing my personal information to any third parties for any purposes not permitted by law. 
I expect Kikoff to comply with this request promptly and to confirm in writing that my opt-out request has been processed and that my personal information will no longer be sold or shared with third parties. 
Thank you for your attention to this matter. Please acknowledge receipt of this letter and confirm that my request has been actioned accordingly. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My identity has been stolen, and as a result, accounts have been opened in my name. I want to report this to clear my name. I kindly request the CFPB 's assistance in investigating and resolving the inaccuracies in my report resulting from identity theft. 
A copy of FTC report is attach to support my claim.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an entry on my XXXX report that I believe is inaccurate and has been incorrectly reported by M & T Bank. 

On XX/XX/XXXX, I attempted to open a Trust Account at XXXX XXXX XXXX XXXX, only to discover that there was an outstanding balance of {$160.00} reported by M & T Bank from XXXX. I was unaware of this account or any associated charges and was surprised to learn that it was listed as an unpaid obligation on my XXXX report. 

Upon further investigation, I contacted M & T Bank, where a representative informed me that the charge had passed the statute of limitations for collection, and as such, M & T Bank would be removing it from their internal records. However, despite M & T Banks acknowledgment that they will void the charge in their system, the negative entry remains on my XXXX report. 

I am perplexed by this situation, as M & T Bank has confirmed that they will no longer pursue collection of this debt, and the amount in question is no longer collectible due to the statute of limitations. Despite this, XXXX continues to reflect this erroneous charge, which is preventing me from opening an account at XXXX XXXX XXXX XXXX. 

To resolve this matter, I respectfully request that XXXX update my report to reflect the accurate status of this charge, as confirmed by M & T Bank. I am also requesting that XXXX remove this negative entry from my report, as it was reported in error, and my conversation with M & T Bank that supports my claim. 

Please review this information and have XXXX XXXX update my report accordingly. 

I appreciate your prompt attention to this matter and look forward to its swift resolution. Should you need further clarification, I am happy to provide it. 

Thank you for your time and assistance in advance.
Product: Credit card

I have XXXX credit cards with Bank of America, and have a GOOD history of making my payments on time. This month, however, someone was late sending me a check, and the cards were A FEW DAYS past due. On Sunday, XX/XX/2017, I was away from home and stopped to buy gas. My credit card would n't work. Luckily it took my debit card. This was on a Sunday afternoon. I called my bank as soon as this happened, and was told that because I was A FEW DAYS LATE, they had turned off my credit cards WITHOUT WARNING. 

What would have happened if I had n't had my debit card with me? I was a good XXXX miles away from home. I WOULD HAVE BEEN LEFT STRANDED, WITH NO WAY TO GET HOME. I WOULD HAVE HAD TO CAMP OUT IN MY CAR ALONG THE SIDE OF THE HIGHWAY AND BEEN LEFT AT THE MERCY OF PASSING MOTORISTS. I 'M XXXX YEARS OLD AND XXXX. I COULD N'T HAVE DEFENDED MYSELF IF SOMEONE HAD BROKEN INTO MY CAR WHILE I WAS IN IT. I COULD HAVE BEEN XXXX OR XXXX. 

If i had been 30 past due I would have understood this, but it was LESS THAN ONE WEEK. What if I 'd mailed a check but it had n't cleared yet? I would have STILL BEEN LEFT AT THE MERCY OF PASSING MOTORISTS. 

Why did n't Bank of America NOTIFY ME THAT THEY WERE DOING THIS? I had NO WARNING WHATSOEVER. 

I got my check, the credit card payments have been made, but I have changed banks. I HAVE ZERO TOLERANCE FOR ANY BANK THAT WILL WILLFULLY ENDANGER THE HEALTH, SAFETY AND WELL BEING OF THEIR CUSTOMERS.
Product: Credit card

I am writing to address a matter of utmost concern regarding the recent handling of my credit card account Account Number ending in XXXX. 

On XX/XX/XXXX, I contacted Sychrony 's customer service representative to inquire about the ongoing promotion associated with my credit card. The rep clearly explained to me that for balances exceeding {$3000.00}, a XXXX period with no interest rate would apply at any stores as well as XXXX. As per the representative 's guidance, I utilized my card, ensuring my balance exceeded the stated threshold, which was {$4200.00}. 

To ensure a clear understanding of my payment schedule, I called again on XX/XX/XXXX. However, during this conversation, I was shocked to be informed that I did not qualify for the promotion and that I would be subjected to an interest rate. This directly contradicted the information I had been given previously. I escalated the matter and was eventually connected with a XXXX who acknowledged the error on behalf of the representative 's part and expressed apologies. 

The XXXX issued a {$50.00} credit and assured me that no interest rate would be charged for at least XXXX months while the situation was rectified. He advised me to divide the balance of {$4200.00} into 24 months, as per the promotion terms. Additionally, I was directed to contact corporate to address the matter further. 

I promptly sent two faxes to the corporate office on XX/XX/XXXX and XX/XX/XXXX, detailing the circumstances and seeking clarification on the promotion 's application. Regrettably, I have yet to receive any response or acknowledgment from your corporate team. Meanwhile, an interest charge of {$120.00} has been applied to my account, exacerbating the situation. 

Despite speaking with the XXXX and following the suggested payment approach, I have been met with no communication and no resolution from the corporate office. It has been immensely frustrating and disheartening to be caught in this predicament due to no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is currently a collection account on my report. Please remove : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that accounts : ( CHILD SUPPORT ENFORCEM Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX ) were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. The have also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not finish an account without my written instructions. I havent given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX  XXXX XXXX DEPT OF ED/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

Three credit cards were opened in my name. 
XXXX XXXX XXXX XXXX for {$500.00} Capital One for {$3200.00} XXXX XXXX for {$330.00} I have reported these cards to the perspective companies. The accounts have been closed and are under investifation.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Experian credit report I noticed that my student loans are being duplicated. They are on there both from XXXX and XXXX XXXX. I called XXXX and they told me that XXXX needed to close them out, so I called XXXX and they told me it is on XXXX and the credit reporting agency. It is turning into a ping pong game. This is fraudulent- they are reporting almost XXXX of duplicated loans which is false. This needs to be corrected ASAP.