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

Consumer Name : 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 XXXX 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 personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX  and a collections account opened at XXXX XXXX XXXXXXXX, XXXX. 
on XX/XX/XXXX with a balance of {$50000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) 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: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2020, I have been disputing 2 XXXX XXXX accounts that appear on my credit report. I have disputed these items with the creditor directly, as well as with the 3 major credit bureaus : Equifax, XXXX, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on these accounts, because they were paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, all that I continue to receive are requests for me to supply XXXX XXXX with more information in order for them to investigate the account. I am unclear as to why I need to help XXXX XXXX investigate an account, when they are the ones furnishing the inaccurate information to the credit bureaus. 

However, ALL of this is currently incorrect : -High balance is reporting inconsistently across the 3 bureaus -Last verified date is inconsistent -Date of last activity is inconsistent -Date reported is inconsistent -Date opened is inconsistent -Closed date is inconsistent -Account rating is inconsistent -Last payment is inconsistent -Credit limit not reporting on Equifax -Dispute remark missing
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 15 U.S.C 1681 and Fair Credit Reporting Act 15 U.S.C 1691 XXXX  XXXX Account # XXXX have violated my rights. 

15 USC 1681 - States I have the right to privacy 15 USC 1681a 2 ( A ) ( i ) - ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person that is making the report.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 USC 1691 a ( 3 ) - ( a ) ACTIVITIES CONSTITUTING DISCRIMINATIONIt shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter.

15 USC 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address 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 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: Credit reporting, credit repair services, or other personal consumer reports

Department of Ed/Navient Navient Solutions Sep of Ed/XXXX/XXXX Account was actually opened on XX/XX/2008 accounts have been closed I need to remove it out if my report if they are multiple closed accounts when it was only one opened. 
This account has been taken over by XXXX XXXX. I'm a single parent and this impacting my credit score which I'm trying to improve. I don't see why it should continue if Accounts have been CLOSED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 XXXX XXXX had emailed me ( see attached ) that ALL accounts were marked for removal and and sent to the credit bureaus. 
Unethical that bureaus would put these up so quickly and yet NOT remove them immediately when they are told to but the " collection company ''. 
I feel these bureaus need to be fined or censured or other from the governing agencies in situations like this where they " seem '' to intentionally act against consumers. These are horrible actions.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I reside at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. My date of birth is XX/XX/XXXX. My SSN is XXXX. I have contacted the credit reporting agencies ( XXXX XXXX Transunion ) in regards to verifying all the information on my credit report and they did and stated that everything was accurate. I went ahead and pulled my credit report and did a thorough check on my own and find that there are several inaccurate information on my report even after they claim all the information was accurate. These are the accounts and information in question. 

*INACCURATE INFORMATION - NAMES ( Please Delete ALL ) XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX *INACCURATE INFORMATION - ADDRESSES ( Please Delete ALL ) XXXX XXXX XXXX XXXX XXXX CA XXXX - Address ID # XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX - Address ID # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX ID # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXXAddress ID # XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ID # XXXX *INACCURATE INFORMATION - DATE OF BIRTH ( Please Delete ) XXXX *INACCURATE INFORMATION - PHONE NUMBERS ( Please Delete ) ( XXXX ) XXXX ( XXXX ) XXXX *INACCURATE INFORMATION - EMPLOYERS ( Please Delete ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX ACCOUNTS ( Please Delete ) Account Name : XXXX XXXX  Account Number : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 
15 USC 1681 SECTION 604a SECTION 2, IT ALSO STATES THAT CONSUMER REPORTING AGENCIES CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
UNDER 15 USC 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Debt collection

I hired XXXX XXXX XXXX to help me with my fix some items on my credit report that were not mine. After the law office submitted a complaint to dispute the debts some of the debts were taken out of my report because it was verified that none of the accounts were mine, but XXXX remain. One of the collection agencies wrote back stating that the debt was indeed mine and that in order to further prove it was not mine I needed to take several steps which I have but still they insist that I owe this debt. I do n't owe XXXX this debt, I had never had a service with them and I want this to me permanently from my credit report. I went from having a score of XXXX to now no score what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a copy of my consumers reporting file and noticed a tradeline reporting that I never authorized.. I filed a police report and was told to contact all reporting agencies to notify them of all fraudulent accounts and activities. I've spent countless hours and days gathering all the proper documents.. per 15 U.S Code 1681c-2 these fraudulent accounts are to be blocked and cease to be reporting on my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of XXXX and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the abuse of a XXXX individual as documented in XXXX reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( XXXX  ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 


Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 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, XXXX '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I've marked as inaccurate : XXXX  XXXX for {$210.00} opened XX/XX/XXXX XXXX  XXXX paid/closed opened XX/XX/XXXXXXXX XXXX XXXX XXXX  for {$320.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX for {$120.00} opened XX/XX/XXXXXXXX XXXX for {$6200.00} opened XX/XX/XXXX XXXX XXXX for {$5500.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX for {$130.00} opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that the company has been engaging in deceptive marketing practices. I have worked with XXXX XXXX from XXXX to resolve this and other issues stemming from this deceptive practices.
Product: Mortgage

On the letter sent to me by Wells Fargo on XX/XX/XXXX they state that I was concerned about Late fee and Pay off, those are XXXX items that were not a concern to me. I spoke with Wells Fargo about a missed payment item posted on my credit report for the XX/XX/XXXX payment. I never got any email, letter, or phone call letting me know that a payment was missed or late. I signed up for electronic communication per their advice and should have received something as a reminder for my payment. I changed my phone number online but they state this never happened. 
I spoke with XXXX from Wells Fargo on XX/XX/XXXX at XXXX ( His ID number is XXXX ). I asked why have I not received any email reminders as I have in the past and he had no answer to that. I also received a letter on XX/XX/XXXX from Wells Fargo letting me know about the late payment, with nothing prior to that. This letter came after the fact, a phone call or email should have taken place to remind me of the late payment per my electronic communication agreement. The payment was made along with future payments, I would like to get the 30-day late payment removed from my credit report, since the payment was made and no communication with Wells Fargo took place reminding me of the payment. I signed up for electronic communication when this account was opened and opted out of paper communication. I should have received my monthly reminders as I have in the past, but that did not take place and was confirmed by XXXX XXXX, that I should have. He also stated ( Per recorded communication ) that a letter should have been sent before the XX/XX/XXXX letter that I received, he felt the letter should have been sent earlier. I also spoke with XXXX ( ID # XXXX ) on XX/XX/XXXX around XXXX and he did not help in any way, I have not missed a payment with Wells Fargo since I got my Mortgage with them on XX/XX/XXXX. I would like to have them remove the 30 day late notice from my Credit Reports, since they did not provide me with the electronic communication which was agreed upon when I signed up with them. I have worked very hard on my Credit Report and it has decreased by XXXX points due to this matter, which I feel is due to their mistake. 
This matter has not been resolved and needs to be addressed. 

I have spoken multiple times with Wells Fargo and this issue continues to be dismissed by them. They made a mistake and need to fix it. 
Sincerely
Product: Credit reporting or other personal consumer reports

It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect.

According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. 

Please update my credit report accordingly and provide me with a confirmation of these corrections.
Product: Vehicle loan or lease

I have a loan with Prestige financial in which I usually pay over the phone with my debit card. I had some issue with the car which put my car payment behind. I notified the company and prior to my next pay I sent in a check. The check was for a specific amount in which I let the company know ahead of time. They in turn received the check, took the account information and routing number to process a payment without my consent. The representatives are rude, uneasy to talk to and can be intimidating. I used email to contact them and it clearly stated that I was NOT giving them my account information. Isnt that illegal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... I'd like these removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Ive called several times unable to get anyone to simply cancel my account they have caused overdraft issues as they continue to try to take a monthly fee in which I want to cancel. I am under no obligation to keep this membership!
Product: Credit reporting or other personal consumer reports

To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$300.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$300.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$1800.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was out of the country for 2 months and they never put my payment to autopay as I requested before because i had no access to the app or website. I was never 30 days late so they reported inaccurate information on my credit report as late. The company has never reported once ever my on time payments. They are reporting inaccurate information on my credit report as 30 days late even though they gave me an extension for a reason and I was qualified for the extension. Please help me remove this inaccurate late report on my credit file on Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$28000.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$9100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$580.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$630.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX  ), Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's 2 inquires that where not authorized by me when i told Equifax they said its accurate how without my written consent that's illegal and i want them removed asap dating year XXXX and XXXX