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

1. FRAUDULENT REPORTING 2. ENTRIES W/ THE BALANCES & CREDIT LIMITS EDITED TO {$0.00} 3. FRAUDULENT COLLECTION 4, FRAUDULENT INQUIRES 5. FRAUDULENT CREDITORS 6. FRAUDULENT CLOSED ACCOUNTS I HAVE PLACED DISPUTES SEVERAL TIMES ON ALL OF THESE FOR IMMEDIATE & PERMANENT REMOVAL & NO REMOVALS WERE EVER MADE.

THIS MEANS YOUR Bureau CONTRIBUTED TO FRAUDULENT REPORTING AND ARE LIABLE TO THE VICTIM FOR {$1000.00} DOLLARS PER FRAUDULENT REPORT AND EACH FRAUDULENT REPORT IS LIABLE FOR A {$5000.00} FINE AS PER ENFORCEMENT OF FINING FROM THE FAIR CREDIT REPORTING ACT.

THE ONLY THING THAT SHOULD BE ON MY CREDIT REPORTS ARE 2 OPEN REVOLVING ACCOUNTS FROM XXXX FOR A {$5000.00} CREDIT LIMIT AND XXXX  FOR A {$1000.00} CREDIT LIMIT. THERES NO BALANCE OWED TO EITHER AS I NEVER RECIED MY CREDIT CARDS A YEAR AGO WHEN I OPENED THEM BUT I AM CALLING TO HAVE THEM MAILED TO ME.

2. I KNEW FOR YEARS I WAS AN IDENTITY THEFT VICTIM BECAUSE OF THE CONDITIONS AND ENTRIES ON MY CREDIT REPORTS. 

I JOINED XXXX XXXX XXXX XXXX XXXX XXXX AND THEY LOCATE

D ONE OF MY IDENTITY THEFTS. DATA BREECH THAT RESULTED IN MY GOOD NAME AND SOCIAL SECURITY NUMBER DEBUTING ON THE BLACK WEB. THIS HAS PROBABLY ENDED UP SAVING MY LIFE AS ONCE YOUR INFORMATION MAKES IT ONTO THE BLACK WEB YOUR IDENTITY IS NO LONGER SAFE TO MAINTAIN. THERE IS A PERSONAL RISK TO DANGER ONCE YOUR INFORMATION HAS BEEN FOUND ON THE BLACK WEN & I AM WORKING WITH XXXX XXXX XXXX XXXX FOR FUTURE INCURRED LOSSES SO THAT I MAY RECOVER FROM IDENTITY THEFT AND GAIN A NEW SAFE IDENTITY FOR MYSELF.
Product: Checking or savings account

Chime bank stole {$6600.00} from my az unemployment. XXXX  XXXX provided me with tracing number for transaction and when i called chime with the number they wouldnt even take it or help me locate it. Started reading other reviews online and they are robbing everybody.
Product: Credit reporting or other personal consumer reports

I am reaching out to highlight my serious concern about certain details in my credit profile. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows no change other than a positive change and yet there is a 30 point drop on my report? I have investigated it on several different days to no avail. again, 30 point drop.. o change on report that they are reporting. The only way I could possibly get additional services is by paying for an upgraded service.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian will not allow me to dispute! im trying to dispute midland funding
Product: Debt collection

On XX/XX/year>, Credit Control Corporation was mailed a Debt Validation Request in order to receive both validation and verification of the alleged debt owed to them. This document was accepted by them on an estimated date of XXXX, as XXXX return receipt has not been received by sender. 
Their response envelope was received on XX/XX/year> and contained nothing more than statements printed on their letterhead containing my name, account number at the medical office listed, and total amount for the invoice from said account. There was no proof of purchase or assignment of debt. 
On XX/XX/year>, Credit Control Corporation was mailed a second Debt Validation Request in order to receive both validation and verification of the alleged debt owed to them. This document was accepted on XX/XX/year>. 
Credit Control Corporation did not respond further. 
On XX/XX/year>, Credit Control Corporation was mailed a Notice of Default and Final Statement as they have not met the legal definition of validation and verification of the alleged debt owed to them. They are not expected to respond, as they have not responded to the most recent request.
Product: Credit reporting or other personal consumer reports

Ive Recently Checked My Credit Report And Noticed Some Inaccurate Accounts Reporting
Product: Money transfer, virtual currency, or money service

I was looking online to purchase tickets for last minute flights today XX/XX/XXXX around XXXX XXXX PDT. I found someone on XXXX who had a XXXX buddy pass for {$150.00} and called him at XXXX at XXXX. He went over the flights times with me he told me I would have to pay taxes and fees on top of the {$150.00} for a total of {$210.00}. He claimed he was going to give me his XXXX login & XXXX number to complete the purchase, but he needed to charge his phone and call me back. He called me back at XXXX and asked for my email to send the itinerary and gave me his email to send my payment through XXXX ( XXXX ). His email XXXX. We sat on the phone as I processed my payment and he confirmed receiving my payment ( conf XXXX ). He asked me to stay on hold while he emailed me his login info to complete. I sat on hold for 15 mins before I hung up and tried calling back. He never answered. 

I immediately called Wells Fargo ( XXXX ) and they informed me that because I initiated the transaction they could not help me. I proceeded to tell them that if I made a purchase with my debit card that they would protect my purchase. Now because I transferred money they should still be able to protect my purchase. He apologized and suggested that I call XXXX XXXX XXXX because the email address is associated with their bank and they would be the ones to look it up. He gave me the transaction information to confirm and I thanked him and called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX told me that was not right, and my bank should be able to contact them through their merchant bank and let them know the transaction details to contact the person associated with their bank with there account information. She advised me to call Wells Fargo back so they can file a claim. 

XXXX I called Wells Fargo back and this time I was informed by XXXX that they can file a claim, but since the charge is pending I may have to wait and call back tomorrow. She placed me on hold for 15 mins to try to figure out what other options they may have. She informed me that the only thing I can do is to file a police report because the transaction is complete. Another 15 minutes go by. She tried to submit a claim and her floor leaders told her the " correct information '', which was to file a police report. I let her know that XXXX XXXX XXXX TOLD me that Wells Fargo could contact their merchant bank to file a claim. She placed me back on hold to ask her floor leaders. 2 more minutes go by and she comes back and says they are creating a case for XXXX XXXX XXXX and confirmed my contact info. I was told they were making a claim investigation would and it could take 10 business days. I would get a provisional credit and they would contact me to let me know either way what the results are. 
My Case ID XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX Im filing this complaint for false reporting misleading information
Product: Credit reporting or other personal consumer reports

my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. Due to serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act, I demand the immediate cancellation of all financial obligations related to these debts.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge i do not recall any of these accounts i need this problem fixed as soon as possible. i mailed out a letter regarding these accounts on XX/XX/2020 to this day over 60 days later I have no received a response I am becoming impatient within the lack of response and delays these accounts need to be removed from my profile immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

as previously stated, I am a victim of identity theft
Product: Debt collection

I didn't realize that my identity was compromised until I started trying to acquire credit and started getting denied. My ex husband XXXX XXXX or the car salesman at the time added me on a car loan without my consent, I absolutely had no knowledge that I was on this loan. The payments were being made on time up until 2020 that's when I started getting denied for everything.
Product: Credit card

This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that you are in direct violation of the Fair Credit Reporting Act ( FCRA ) for reporting information about my account without my consent. The specific laws that you are violating are listed below in this notarized letter, according to the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) laws, rules, and regulations. 
No one has received my written or oral consent to publish any transactions to my consumer credit report, which is a violation of 15 U.S.C. 1681 ( a ), which states that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both.

In accordance with 15 U.S.C. 1681a ( d ), the term " consumer '' means an individual and the term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes, or for other purposes authorized under section 1681b of this title. 
I demand that you email me a copy of my consumer report you have in file immediately since this will be the second time I ask for this and have yet to receive it. 

I have provided my license and paystub for immediate response.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX Account name XXXX # XXXX XXXX/Dept of Education Account name : # XXXX XXXX  Account name : # XXXX XXXX XXXX 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 : 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX agreed on removing the inaccurate information on the 3 credit report companies such XXXX, Equifax, and XXXX ( see letter attached ). XXXX and XXXX had removed this account from my credit report already, however, EQUIFAX hasn't done anything to correct this inaccurate information. Please send another universal update to remove this account from my credit report immediately. 

ACCOUNT : XXXX XXXX XXXX {$0.00} Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00}
Product: Credit reporting 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. 


Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX 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 XXXX 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, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE STOLE MY INFORMATION TO OPEN THESE FRAUDULENTS ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX   CRAS. On XX/XX/2020, I mailed XXXX, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit card or prepaid card

Bank of America offered me a cash back deal with the following description, " Offer expires  XXXX / XXXX / 2017 . Must make  two sep arate transactions with  XXXX   XXXX   XXXX  on wireless products or services of at least {$15.00} on the card associated with this offer by  XXXX / XXXX / 2017 . Your {$75.00} cash back is earned within 30 days after making your second transaction. " I made a {$20.00} transaction with  XXXX  on  XXXX , and {$32.00} transaction with  XXXX  on  XXXX  with my eligible credit card. I filed an inquiry with Bank of America on  XXXX  and they said I should see the cash back showing up as pending on my account within  5 to  7 days. As of today, I still do n't see it being tracked on my account as a pending cash back.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi credit agencies ; cfpb ; XXXX XXXX ; Listen, Im writing to dispute the following negative items accounts that continues to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.
Product: Payday loan, title loan, or personal loan

Contacted NetCredit for XXXX in XX/XX/2018. At the time was never disclosed of interest rate of 59.75. To my surprise I had benn making payment of {$140.00} and noticed loan amount was going up instead of down. They are totally ripping me off. Never told me that they would be debiting my account twice a month. I borrowed {$3100.00} and have paid a {$1000.00} dollars toward account and balance says XXXX. Had I of been told upfront was a payday loan I would of never taken loan. NetCredit took advantage of a XXXX year old woman who supports herself with a 59.75 % interest. Please help.
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 also is in violation of the Consumer Financial Protection Act. Cashapp has failed timely and Effective measures to prevent and with addressing fraud on their platform, which in return has left my account and information 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 and regulation E. These actions have cause significant inconvenience for me and Financial loss and i seek the appropriate redress for these violations.