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

I am reporting negligence in reporting and investigations of disputes for all 3 bureaus. 
I have written XXXX, Equifax, and XXXX on XX/XX/2XXXX XXXX XXXX XXXX in regards to verifying information that is being reported for public records and accounts included in this record. These accounts and public records have yet to be even placed in dispute status. 

Instead of receiving updates of disputing and reporting errors, I continuously received a mass amount of accusations of credit repair letters. This is unacceptable. This negligence is ground for deletions of these items. 

After XX/XX/2023, XXXX finally launched 1 investigation out of 3 times requested, and verified information as correct and verified. I do not agree with such results as XXXX is in lawsuits for not verifying accounts and accurately conducting investigations. No information was provided as far as method of verification and information on who verified this information to the credit bureaus. 

I demand that this inaccurate information be deleted from my credit report. I have been more than generous with reporting times and investigation periods. 

The screenshots of accounts below are inaccurately reporting inconsistencies across bureaus. Under Section 623 ( a ) of the FCRA, this act prohibits a person from furnishing inaccurate information to a credit reporting agency. EVERY SINGLE ACCOUNT showing has inconsistencies on their last date of activity. This is a very clear inconsistency that has yet to be verified.

These bureaus have blatantly ignored my request. This inaccurate information is hurting my credit. It is well beyond the 30 day investigation period allowed, and I have been ignored.

These accounts and public record should be deleted as soon as possible. Please mail me an updated report showing these changes.
Product: Debt collection

I am the victim of identity theft. I became aware of the identity theft over 3 years ago when I was in the process of purchasing a new home. I discovered my personal information had been used illegally to purchase things in my name. I have made a police report for identity theft. I have frozen all of my accounts with XXXX, XXXX, and XXXX. I have also added a statement to all 3 reports that I am the victim of identity theft. I have added a credit alert as well. I received an alert today from all 3 bureaus that my credit reports were flagged for collection for an account I never opened. I received a letter in the mail from a company named " Caine & Weiner '' for the amount of {$110.00} dollars with the original debtor being " XXXX ''. I reached out to Caine & Weiner and explained to the company that I was the victim of identity theft and that this was a fraudulent account. This call took place 2 months ago. And today I am shocked to see that this company still went along with adding a fraudulent account onto my reports. I called Caine & Weiner back this morning, to let them know again that this was a fraudulent account and I was going to make a report against their company because I have already communicated with this company in regards to this issue. I have already disputed this account with all 3 bureaus XXXX, XXXX, and XXXX. I have never had an account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following Accounts XXXX XXXX account # XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX account # XXXX Balance {$500.00} XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} XXXX XXXX XXXX account # XXXX Balance 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: Checking or savings account

Based on the balance on my account, Chase intentionally processed higher transaction expenses first so that it will be able to charge overdraft fees for insufficient funds. 
On XX/XX/2023 I was charged 3 separate overdraft fees of {$34.00} each, totaling {$100.00} On XX/XX/2023 I was charged 2 separate overdraft fees of {$34.00} each, totaling {$68.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} On XX/XX/2023 I was charged 2 separate overdraft fees of {$34.00} each, totaling {$68.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} On XX/XX/2023 I was charged 1 separate overdraft fees of {$34.00} each, totaling {$34.00} I spoke to XXXX about the excessive overdraft charges on XX/XX/2023 and asked to speak to a manager, who also refused to refund the fees. Chase knows that I have been a customer with them for many years and always have income coming into the account. Yet the little income I make, Chase also takes it with its overdraft fees.
Product: Credit reporting or other personal consumer reports

This is the second time that I am reaching out to XXXX Equifax and XXXX about fixing my personal information because this information was an accurate it is affecting my credit score.
Product: Checking or savings account

Bank of America I have repeatedly written and phoned Bank of America regarding them opening accounts in my name that I did NOT authorize. My credit has been frozen and this should NOT still be happening.
Product: Credit reporting or other personal consumer reports

I have identified information on my Credit Reports that are a result of Identity Theft. These items are not related to any transaction completed by me. I notice that this company XXXX XXXX XXXX is on my credit reports, I have no knowledge of this company, nither did I have any contract with them or nither do I have any signed agreement with this company. They are billing me for {$650.00} dollars on my credit report.

I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT AGAINST XXXX XXXX XXXX XXXX See ATTACHMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove the following accounts from this report as it in direct violation of my consumer rights. 
According to 15 US 1681 C2
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXmailed and a dispute is never opened up and no results. 
XXXX  Open Date XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the negative mark SECU has reported on my credit report related to the repossession and sale of a vehicle. The vehicle was sold at auction, and SECU filed a claim under the known loss provision, receiving compensation for the vehicle. Despite receiving funds from both the auction sale and an insurance claim, SECU has still reported a derogatory mark on my credit report. This is both inaccurate and unjust, as it suggests I owe a deficiency when, in fact, the vehicles value was fully recovered through both sources.

In addition, SECU did not follow the legal requirements outlined by North Carolinas Repossession Uniform Commercial Code ( UCC ) after the repossession of the vehicle. If the vehicle was repossessed, as it appears on my credit report, I must be informed why I never received any legally required notices, including : 1. Notice of the repossession prior to the sale, 2. Notice of intent to sell the vehicle at a public auction or private sale, 3. Notice of the deficiency balance after the vehicle was sold at auction.

Under oath, I affirm that I never received these mandatory documents prior to the alleged sale of the vehicle, which is a clear violation of North Carolinas Repossession UCC. It is mandatory to provide these notices, and without receiving anything commercially reasonable prior to the sale, I have no way of knowing whether the charged-off balance is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters XX/XX/2022 to collection agency XXXX XXXX XXXX to validate said debt that I have filed identity theft on. No response, I sent another letter on XX/XX/2022 asking again to validate the said debt I asked for contracts with signatures of both parties no response. I also sent letters to Experian credit bureau stating of the identity theft as well as included the police report asking them to remove the account as well as provide proof of validation of the debt. On XX/XX/2022 experian came back and said the debt was verified but how? They didnt send any of the requested information violating my rights under FCRA . Im asking again for this account to be removed not only because its violating my rights under FCRA, FDCPA, but it is hindering my credit report/score and livelihood.
Product: Credit card or prepaid card

In the beginning of the year of 2017, I received a call from Macy -AMEX Department Stores about a suspicious purchase. I confirmed I did not authorize the purchase. The account was closed and a new account number was opened. I was instructed to check my monthly statement when I receive it and to call if there were any other transactions I did not authorize. As soon as I received my statement, I called to explain I did not authorize a transaction that was posted to my account. However, the company although already aware these transactions were not authorized by me continued to accept these purchases. I have spent numerous hours trying to work with the company to correct these issues however, they have now affected my credit score and ruined my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX  XXXX Inaccurate XXXX   XXXX  ( Original Creditor : XXXX ) XXXX Inaccurate XXXX XXXX XXXX  XXXX Inaccurate DEPTEDXXXX XXXXXXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
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. 

XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply wit error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Bank account or service

Ok I have contacted before then contacted my bank but they are doing the same thing they have done in the past. On Wed XXXX XXXX i had went to staples purchased {$3.00} and some change in copies also the same day before XXXX i had purchased {$17.00} then on the XXXX after banking hours i went to take out an atm fee so what the note said was could charge a fee so i got a mini statement. which cost XXXX dollars. So they turn around change the order they came in charged the atm charge then the mini statement XXXX done at their bank. Then put the fees on the other charges after them even though merchant services now only take one to two days. Also they had sent a account change saying that charges below XXXX would only be charged XXXX dollars. The lady on the phone a moment ago said they changed that. So in effect what they are doing is the same the have always done manipulate the way things come in to charge huge fees
Product: Credit reporting or other personal consumer reports

XXXX XXXX was paid off in full XXXX XXXX. Company reporting incorrect information as a major violation of FTC Law and Federal Truth In Credit Report Act and Billing fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter back stating, " They do not report any bankruptcies to anybody ''. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or form a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. According to : 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. According to : 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 or other personal consumer reports

I DID NOT AUTHORIZE THESE INQUIRIES PLEASE REMOVE THE FOLLOWING CAPTIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My credit score keep decreasing even though I have paid more than {$10000.00} in last six months. They are forcing me to take loans from them and promising that my credit score will increase.

There will be an inquiry and more credit utilization but they still promising my score will increase.

It is a racket that is forcing me to take their loans or else they will continue to decrease my credit score.

Even if I use {$200.00} from credit card- they will dip at least 8 points. 

Since XXXX has taken over XXXX XXXX these coercive practices have increased drastically. XXXX is deploying the same practices that it has done with XXXX XXXX in the past. 

Many a times- they offer me a card with guarantee approval and say they will pay me an amount if it is rejected and the credit card company says it will get back- and it never does- while I never get the amount while my score decreases due to inquiry. 

They add up XXXX to my credit utilization as taken but not when it decreases the other card. 

There is not a single missed payment, not a single derogatory remark, and only 22 % utilization. 

The post a single transaction I make immediately, however it takes forever for them to post my payments and after three months- they omit to even account it towards my credit score. As it goes in the backlog and they add up the new payments. 

I think it has also to do with my race, ethnicity, last name. 

I have always been impeccable with my monetary responsibilities and credit history and they are using this tactic to make me buy their products.
Product: Money transfer, virtual currency, or money service

Before I purchased two autographs on XXXX, there is [ and still can be seen ] an offer for 0 % APR on purchases paid in full [ 6 months ] on balances of {$99.00} or more. I have applied for this offer and received it in the past. 

The problem now is that when I won these two auctions, this promotion was advertised ; however, when I try to use that card for that rate and that promotional deal now, it has been switched to 5.99 % APR for 12 or 24 months. There is no 0 % APR financing for any amount of time available now that the items have been won. Somewhere in the XXXX Credit system , they have switched the promotional rate without my consent. I have taken screenshots. 

To see this offer as advertised, simply search XXXX XXXX XXXX. Look at any card over {$99.00} and scroll down to payment information. There, one can see the 0 % APR for $ 99+ purchases if paid in full by 6 months. Now that I have won the auctions, the terms are not the same as when I bid on the auctions! 

I have contacted both XXXX and XXXX and both blame the other. Customer service at PayPal Credit was an absolute joke. The number for XXXX they provided was a disconnected number for another department other than credit, promotions, and payments. The supervisor could not dial out and connect me with XXXX herself to circumvent this complaint. 

I've been on hold with XXXX for an hour. They can't seem to get a supervisor on the phone to take the issue directly. Now I'm at risk of unpaid items and losing the items at XXXX or I am forced into financing the cards at a bait-and-switch rate that I did not agree to finance! 

When I first contacted XXXX they said that the financing rate was no longer available. I then immediately took a screenshot following the procedure above. Seach item, find one for $ 99+, and one can see the offer of 0 % APR for 6 months on purchases of {$99.00} or more. 

Why XXXX and XXXX Credit have switched it and why the parties can't connect to resolve this seemingly EASILY CORRECTABLE ERROR are anyone 's guesses to answer. 

This is not the first time I have had issues with XXXX and XXXX Credit. In the past, they billed me for individual items at XXXX so XXXX was charging me interest without my knowledge on purchases over {$99.00} to one seller. These two are infamous for their bait and switch marketing practices as well as ineptitude in resolving these problems.

I want the 0 % APR for 6 months as they advertised when I won the auctions!
Product: Checking or savings account

Tried sending a payment and the locked my account and now I can't access my account that has my paycheck in it to pay bills
Product: Money transfer, virtual currency, or money service

There was transaction taking from my cash app had no support number to talk too or speak with live person. A lot text through app still get nothing solve money taken missing XXXX dollars filing claim against cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus. XXXX XXXX and trans union. All 3 credit bureaus have the wrong information that's been reported on my credit report. All 3 credit bureaus must comply with the wishes of the consumer so that they can probably an intelligent XXXX keep the status of the credit reports up to the current status and it should be. I haven't closed letters to showing that this dispute process is it is in a legal process and it should be abided by and completed by the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did not Authorize anyone to open these Accounts this was done without my consent all These Accounts is Fraud and I'm so sick of this nonsense with fraud I work to hard for this to happen to me
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts : XXXX XXXX XXXX XXXX