23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Cash App has opened multiple fraudulent cards in my name. They have closed the first account that was fraudulently opened, however they continue to open new fraudulent cards in my name. In my previous communications I have indicated I am not interested nor do I want to do business with them ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number:XXXX XXXX  XXXX Account Number : XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/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.
Product: Credit reporting or other personal consumer reports

Concerns for the account that was already Initially disputed back in XX/XX/XXXX and then again, XX/XX/XXXX I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) And Via The privacy act of 1774, my federally protected consumer rights to privecy and confidentiality as be violated under 15 USC 1681 * 15 U.S.C 1681 section 602 A. States I have the right to privacy. * 15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions. I am now opting out of any, and all authentication i the consumer may have given the Company written, and unwritten, verbal and nonverbal Via ( 15 USC 1602-1605 protection of public personal information ) The Account Ended in # XXXX is marked on my report as a charge off that is now considered a certificate of indebtedness that is now considered income by the IRS also income can not be reported to ones consumer report. Also Via 15 USC 1681B Permissble purposes indicates that information should be 100 % accurate the account has inaccurate dates, and payments history the law also states it is illegal to report transaction history via USC 1681 A section 2
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a installment loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a revolving account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an installment loan account opened at XXXX  XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a installment loan account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Hard inquiries consist of XXXX XXXX XXXX opened on XX/XX/XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I have  Parent PLUS loans  that my own servicer is handling just fine. However, I keep getting calls from a company called  Student Loan Help Center ( p hone number  XXXX  ) saying that this is my last chance to get into income based repayment, that the Obamacare loan program is being revoked at the end of the month, and that at that time the Department of Education will require full payment of my outstanding balance. I know that all of this is not true as I am a higher education policy analyst well versed on the student loan and student loan repayment programs. However, what concerns me is that even my own sons would likely not understand this to be a scam unless they asked me.     I am very worried that other borrowers could be defrauded by this company. I 've spoken to a  manager ther e to express my concern that they are giving our fraudulent information, and to give them accurate information about the loan programs, but they hang up on me twice. So this is n't a case of a single call center employee who is not delivering the message correctly. They need to be stopped before borrowers are defrauded. Thanks!
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received an email from LoanMe that specified to make a good faith payment since they were unable to collect their payment on the usual date around the XXXX of the month. I had previously discussed with them in XX/XX/XXXX, by phone, that I was not working and that my partner was going to pay them on the first of each month. I had also received the same email the previous month and did pay them by the first of XX/XX/XXXX the regular payment amount that they were asking which is around {$300.00} since I would owe a late fee as well. When XX/XX/XXXX came around they sent me another email also with the same information and that I had to pay before the first of the next month. I emailed them back and told them that I would only be able to pay them by the first of the month and that they would receive the amount that they usually do plus the late fee. The company knew how to get a hold of me and knows where I am. On Wednesday, XX/XX/XXXX at around XXXX XXXX. I received a message from my Father that a man named XXXX was trying to get a hold of me and wanted my information. I then called LoanMe and informed them once again that I would make a payment on the first of the month, I also discussed with them that they did not need to call my parents since I have had contact with them, they did admit that they called my parents and that they would not do that again. I believe it is unlawful, illegal, or otherwise not appropriate to do so. As far as I know, there was no reason for LoanMe to call a third party to get the contact information from me when I have had contact with them previously. As well I am no longer working but still have been making duly noted payments, though the interest rate is high. My payments have been somewhat late, but not beyond the grace period and will continue to do so. 
I am not sure if there are any other things about my loan that are against the law, LoanMe would not send me any information about the original loan agreement even though I requested it from them a month ago. They will only send me what they want me to sign which is a new agreement. I will provide a copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree.Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please have these accounts corrected : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted various complaints about a bankruptcy that is appearing on my credit report. I have asked for an investigation and it comes back verified! How is my bankruptcy being verified with XXXX XXXX when my XXXX XXXX is frozen and suppressed? This information is inaccurate and misleading. According to the FCRA there is no public records and I have a letter from the bankruptcy court stating they do not verify with the bureaus. It is a violation of my consumer rights to have my private information reporting without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove negative incorrect or fraudulent information off my credit report that does not belong to me. I have tried to dispute to no avail. They are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

TD bank is showing an account on my credit reports. This account had an initial delinquency date of XX/XX/XXXX However they are reporting the initial deliquency date as XX/XX/XXXX No payments or promises to pay have been made sense XX/XX/XXXX so this account should no longer be on my credit reports. 

re-aging is a violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts listed on my report as collections that I have no knowledge of. These accounts are a result of malpractice or error.
Product: Checking or savings account

My phone was compromised and it led for scammers to transfer funds out of my account into another account. After providing a police report, notes from XXXX stating YES my account was compromised and speaking with over 4 dozen representatives Bank of America refuse to refund my XXXX that was token from account. After 42 days still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 



any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately.

a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit card or prepaid card

I filed a previous complaint on this but Citibank failed to respond to the issue and addresses something else in error. I need them to respond to the charge that was fraudulently made by the merchant on XX/XX/XXXX, not the other issue in XXXX of XXXX. 

I have read through the response from the Citi Executive Response Team. Their statement of fact is incorrect. Their records, as stated, are also incorrect. Their letter, regarding a dispute from XX/XX/XXXX, is not the dispute to which I am referring. Their statement that the credit was issued on XX/XX/XXXX for this XXXX dispute is correct. Again, this is a different transaction than the one I disputed on XX/XX/XXXX. The issue here is that on XX/XX/XXXX the merchant ( XXXX XXXX  XXXX WA ) fraudulently charged my card AGAIN for the amount of {$220.00}. This was a second, unauthorized transaction. My assumption was that when the original dispute was found in my favor the merchant still had my credit card information and ran a second ( again, unauthorized fraudulent charge ) on my account. After that XXXX XXXX cancelled my card at my request and issued a new one with a new account number. So again, the Citi Executive Response Team was incorrect in that this dispute ( XXXX XXXX, XXXX ) was regarding the charge on XX/XX/XXXX. The correct charge that the XXXX XXXX dispute was for was the fraudulent second charge by XXXX on XX/XX/XXXX. 

I have attached a copy of Citibank 's erroneous response from my previous complaint for the record. I have also attached a copy of the statement with the charge highlighted. Again, this is NOT the XXXX issue, this issue is seperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed to Experian that my XXXX XXXX XXXX credit card was paid in full, but closed. I explained that I paid the full amount but the creditor is reporting the account as charged off despite the creditor agreed to not put on my credit report charged off/closed if I paid the full amount which I did. Of course I didn't get in writing because I'm XXXX. There is proof on my report that I owe {$0.00} and that it was paid. So why not remove if being reported inaccurately despite the creditor telling me different? I am in the process of trying to buy my first house and this has hugely impacted my life. Please help me remove this off my report as I paid and did not settle for less and have a {$0.00} balance.
Product: Credit card or prepaid card

I have contacted Discover about fraudulent purchases as my card was lost and used on a cross-country trip. It was used at multiple gas stations and other establishments in XXXX, XXXX, XXXX, XXXX, and even XXXX. I contacted Discover and informed them of these purchases, they did shut down my other card and issued me a new card. Now they are saying there were no fraudulent purchases, but I have never been cross country or even to Iowa, Wisconsin, MN, NE, Illinois, and other states. Someone used my card and unlike their commercials which say if you didn't make the purchases you would not have to pay, but yet here they sent me a letter stating there were no fraudulent purchases and that I am responsible for the other balance on the card, which they added and has increased my overall debt and reduced my credit score. They also changed my account information so I do not have the prior account information to even see what to list on here. I did explain there were some authorized purchases as I used it over XXXX and online since I had my card number. I explained how someone continued to access my account and change my number and address, along with my password, and username.
Product: Debt collection

These medical bills violate the HIPPA law. Also they we're filed while my full coverage insurance threw XXXX XXXX was being processed. I now have full coverage XXXX to cover every single bill disrupting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed FTC complaint # XXXX regarding accounts that are not mine and do not reflect a valid ID. I sent a valid ID as well as a summary of my dispute as well as a copy of my social security card. 

XXXX did not do a thorough or accurate investigation into my complaint. I tried to resubmit and re-file everything again with the same documents and the FTC report and they refuse to take it. 

They are unable to validate or show how they verified any of this information as I know this information can not be verified accurately since it is not mine. I have called them several times and they will not tell me how these fraudulent accounts are verified. 

They are in violation of FCRA Section 611 to my right for a complete and accurate credit report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I just recently reviewed a copy of my credit report. I very Shocked to learn that Ive been a victim of identity theft. I found numerous accounts and inquiries on my credit report that were not open by me. This has been unjustly harming me as I am in the process of getting a home for my family. Please remove the fraudulent accounts and inquiries from my credit report as soon as possible. In accordance with the FCRA, specically sections 611 ( 15 U.S.C. 1681i ) regarding the correction of errors and sections 623 ( 15 U.S.C. 1681s-2 ) concerning this I demand immediate action to expedite this investigation and removal of the inaccurate collection account from my credit report. Given the substantial impact of this issue on my nancial standing, I stress the need for a resolution within 24 to 48 hours. The urgency can not be overstated, as it affects my mental and nancial health. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX for FCRA and FDCPA Violations To Whom It XXXX Concern, I am writing to formally file a complaint against EQUIFAX, XXXX, and XXXX for their ongoing delay tactics and failure to take responsibility for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my repeated attempts to resolve my concerns regarding the inaccuracies within my credit report, I have experienced significant distress due to the lack of accountability from these agencies. The credit bureaus have engaged in incessant postal correspondence requesting identifying information, citing an inability to locate my credit file. This is particularly frustrating as I have consistently provided the same information through both online platforms and over the phone, which they acknowledged without any resolution. 

Furthermore, it is essential to clarify that my disputes are not related to issues of identity fraud, but rather stem from abusive tactics and what I perceive as gross negligence in handling my credit information. The lack of timely and appropriate responses, combined with the continued use of delay tactics, has caused me significant harm. 

If these issues are not addressed promptly, I will consider seeking further action to protect my rights under federal law. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters urgently and take appropriate action against these agencies for their violations. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, [ XXXX XXXX ]