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

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX, XXXX - XXXX XXXX  XXXX and XXXX XXXX XXXX  XXXX
Product: Credit card

I CAN NEVER SEE THE AMOUNT DUE PRIOR TO THE DUE DATE. THE AMOUNT DUE ALWAYS XXXX I HAVE TO Guesstimate THE MONTHLY PAYMENT, I HAVE NEVER SEEN THE AMOUNT DUE, THEY REFUSE TO CORRECT THE PROBLEM THEY THEN POST IM OVER THE LIMIT TO DRIVE DOWN MY CREDIT SCORE, NONE OF MY OTHER CREDIT CARDS DO THIS, THIS IS ILLEGAL AND MUST BE STOPPED,
Product: Credit card

BELOW ARE TWO CHARGES THAT WERE MADE ON A CARD THAT WAS CANCELLED AND THE NEW CARD LOCKED. 
XXXX XXXX XXXX XXXX Transaction date : XX/XX/year> Card type : XXXX Transaction type : Fees Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX XXXX merchant name Transaction Category : get more information about transaction category Shopping & Entertainment : Electronics Select toEditthe transaction category Online Purchase : XXXX Type Fees {$41.00} XXXX XXXXXXXX XXXX  Transaction date : XX/XX/year> Card type : XXXX Transaction type : Purchases Merchant description : BOOKS, PERIODICALS AND NEWSPAPERS Merchant information : XXXX, CA Offer ID : XXXX Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX XXXX merchant name Transaction Category : get more information about transaction category Shopping & Entertainment XXXX XXXX XXXX XXXX transaction category Online Purchase : Y View more information Dispute this transaction Type Purchases {$34.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been more than 60 days and I haven't received any written results from credit bureaus regarding my dispute for these accounts : XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX Account XXXX : XXXX | XXXX Account # XXXX XXXX | XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the items listed below still remain on my Experian credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX  XXXX XXXXXXXX XXXX XXXX XXXX )
Product: Credit reporting

the XXXX and XXXX accounts are not mind i sent them the letters and police report there still not removing it
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a notice on my report that there was a hard inquiry on my report through a company that goes by the name of Lightstream. I contacted the company to inform them that it was not me. As well i reported to the incident to the XXXX  and XXXX department but nothing was taken care of and it still shows on my report.
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 Finacial 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 Funds 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

I disputed this account repeatedly and it was removed from my credit. This month it is back, with the same company. This is a violation of the FDCPA and FCRA. They removed the inaccurate item from my credit, only to reinsert it 1 month later! This has caused damage to my character, my credit, and my self esteem, please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided my information to Equifax they told me 48 hours. Nothing has happened it has been over 2 weeks. What is going on? 
XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a fraudulent account on my credit report to the credit bureaus and the creditor and they have yet to remove it or verify it. which is a violation of the credit act.
Product: Credit reporting

My credit report has been ok until Just Recently with information not belonging me XXXX- Not mine ID theft Equifax claim to have Deleted, but has NOT Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. That the claim that I owe them is not valid, and that I requested validation, and additionally I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I have repeatedly asked them to provide the following, below ( items XXXX-XXXX ) but would not disclose how they got any of my information in the first place : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. This type of practice is not only upsetting but the authority and power these people have over other consumers presumably is also very illegal. They obviously are not willing to provide this which is even further illegal. The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing correction of the information within the 5 days to avoid sue. I further ask that you look into the practices of this company and these collection charges brought against me that since it is the Bureaus RESPONSIBILITY to clean Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account I believe belongs to my mom which lived with me for a couple of years and filed a bankruptcy. I have asked to have this account verified and have received a report saying the account was verified and belongs to me. 
I asked how did they verify the information and they stated they contacted the court so I contacted the court and they indicated they dont provide information to credit bureaus. They then indicated they verified the information from XXXX XXXX which I contacted because I had a security freeze in place and they indicated the credit bureaus cant access my credit report. 
So Im at a loss to how they have verified this account on my report when the sources say they cant be use to verify information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX an identity theft victim. I am including my driver 's license, an Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit in where I detailed all of the charges that I did not make. I meet all of the requirements for the Block and Removal of information on my consumer report that resulted from identity theft under 15 USC 1681c-2.
Product: Mortgage

my mortgage was sold from Ocwen to PHH Mortgage. PHH Mortgage is stating that we are {$21000.00} behind on our mortgage which is not true. I spoke with them and faxed several documents such as bank statements, Bankruptcy statements etc to prove they have been paid i have reached out to them several times and keep getting the run around with no resolve in sight.
Product: Credit reporting or other personal consumer reports

Equifax through and by XXXX XXXX is reporting inaccurate information, failure to provide updated information ( last report dates from XXXX through XX/XX/2023 ). There are accounts that list XXXX XXXX and some that list XXXX XXXX. 

I initially filed a XXXX XXXXXXXX in XX/XX/2023 but converted to XXXX XXXX which has since been discharged. All accounts that have bankruptcy status should be a XXXX XXXX 

Accounts should show the accurate status of closed if they are closed. 

The behavior of Equifax and XXXX XXXX is causing financial distress to me.
Product: Credit reporting or other personal consumer reports

The ethos of 15 USC 6802 ( b ) ( c ) stipulates that a financial institution, such as the furnisher of information to credit agencies, can not disclose nonpublic personal information to a nonaffiliated third party without informing the customer of their nondisclosure option. Yet, I was never enlightened of my right to exercise this option. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681s-2, furnishers of information to consumer reporting agencies have a duty to report accurate and complete information. In light of this, I would like to address a late payment that was recently reflected on my credit report.

The late payment in question occurred due to unforeseen circumstances beyond my control, which temporarily impacted my ability to make timely payments. However, I have since rectified the situation and brought the account up to date.

Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ), it is mandated that furnishers of information must promptly update any information that is found to be incomplete or inaccurate. Given that the late payment no longer accurately reflects my current financial standing, I request that it be updated to reflect the positive status of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX : {$160.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, this is not a duplicate complaint and I'm not using any third party for this matter. I truly believe I'm victim of identity theft and these inquiries have been placed on my report by Fraud : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. 
I have filed FTC Report for this matter. 
I demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

attached is the CERTIFIED MAIL FROM USPS XXXX. Experian is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX Open options Account # XXXX XXXX  Open options Account # XXXX XXXX XXXX XXXX XXXX Open options Account XXXX XXXX Inquiries XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXXThese accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly that I am 120-150 days  past due on XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the three bureaus and requested the issues be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian for its persistent failure to correct erroneous information on my credit report, despite numerous disputes and the provision of supporting documentation. This ongoing issue constitutes blatant violations of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). 
XXXX*Account Details and Inaccuracies : ** XXXX. XXXX XXXX ( Account Number : XXXX ) - **Experian Inaccuracies : ** - Account status is marked " Closed '' with " Current '' payment status, yet it also lists derogatory remarks and mentions bankruptcy, which is incorrect. This is a direct violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA, requiring accurate reporting. 
- The creditor remarks falsely state " Debt included in or XXXX through XXXX  XXXX XXXX, XXXX, or XXXX, '' which is untrue and misleading, violating both FCRA and FDUTPA. 
- XXXX and XXXX correctly report this account as closed with a {$0.00} balance and no derogatory remarks, highlighting the inaccuracies in Experian 's reporting. 

XXXX. XXXX XXXX ( Account XXXX : XXXX ) - **Experian Inaccuracies : ** - The account is reported with a " Collection/Chargeoff '' status and lists an unpaid balance reported as a loss, despite the balance being {$0.00}. This contradiction violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA, which mandates accurate reporting. 
- The remarks state " Debt included in or XXXX through XXXX XXXXXXXX XXXX, XXXX, or XXXX, '' which is incorrect and misleading. This false information violates the FCRA and FDUTPA. 
- XXXX and XXXX do not report any derogatory status or collection/chargeoff for this account, indicating that Experian 's report is inaccurate. 
- Experian lists a last activity date of XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
- The reported dates also do not match, with Experian reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX. 

These discrepancies between the information reported by Experian and the actual account statuses indicate a failure to adhere to FCRA and FDUTPA regulations. This non-compliance results in the dissemination of false information, damaging my creditworthiness and causing financial harm. 

Additionally, I have attached the credit report highlighting the inaccurate information for your reference. The attached document clearly shows the discrepancies between the reported information and the actual account details.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ACCOUNT NUMBER XXXX AMOUNT XXXX THIS ACCOUNT WAS OPEN BY FRAUD I HAVE GIVEN THE POLICE THE SUSPECT INFORMATION AND FILED A REPORT.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and h
ave a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX