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

The payment history on my credit file reported by US Department OF EDXXXX is unlawful I was not required to make any payments on my XXXX loans during the pandemic. The months that is reported negative was during the pandemic and I was not required to make any payments according to covid 19 guidelines therefore the payment history is inaccurate. Secondly The inquiries on my credit file need to be investigated and I request the written permission that allegedly was given by me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I have not given these companies permissible purpose to view my credit file. XXXX XXXX XXXX XXXX is reporting fraudulent information on my credit file I have no binding contract with them therefore I have no obligation to pay them also reporting the fraudulent account with extortionate intent is unlawful.
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 or other personal consumer reports

Request for Removal of Fraudulent Items Due to a Result of XXXX XXXX  Dear cfpb I have tried everything and I need your help I am writing to bring to your attention a serious matter concerning my credit report. I am a XXXXXXXX XXXX XXXX XXXX, during which my personal information was used without my knowledge or consent. As a result, my identity was compromised, and fraudulent accounts and activities were reported under my name. 

I am requesting that the following fraudulent items be removed from my credit report : I understand that under the Fair Credit Reporting Act ( FCRA ) and the Trafficking Victims Protection Act, I have the right to dispute and remove any items that resulted from the identity theft associated with my XXXX  situation. 

I appreciate your prompt attention to this matter and request that you expedite the investigation and removal of these items from my credit report. Please confirm in writing that these items have been removed and provide me with an updated copy of my credit report. 

Thank you for your understanding and assistance. I am preparing to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Trans Union are ignoring my requests to investigate, verify and remove accounts from my consumer credit report/file that do not belong to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Federal Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1881 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( A ) ( 2 ) it also states a consumer reporting agency can not furnished an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment under a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested for this account to be deleted based upon a letter from XXXX XXXX stating that the debt would be forgiven and the account deleted from my account. To this date the account remains on my credit report and both Heights Finance and XXXX, keep updating the account instead of deleting it. XXXX XXXX stated that she would send me a Settlement Agreement after I returned the letter she send me with my signature for my review. I have never received that Settlement Agreement from XXXX XXXX or anyone else at Heights Finance to review and/or sign.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently signed up for the " Free '' Experian credit boost. It showed my current credit score a little over 700 and it asked if I wanted to boost it for free.. I did that and it did go up to XXXX but then it told me that they could boost it more if they take into consideration my utility bills, which are not normally reported to credit agencies. I would have to give them my bank account information to do that and I opted not to do it. I thought my score was higher than that, but I didn't have time to look further into it. 

About a week later, I got an email from them notifyingme that there was a drop in my credit score and I should log in to look at it. I logged in and it said my score was only XXXX! It scared me thinking that maybe I was a victim of identity theft or something. It said if I wanted to see what the issue was and get it boosted, I could subscribe to their service for {$24.00} a month! 

I then remembered that I have free credit monitoring with XXXX XXXX,  so I logged in and my score is actually XXXX. ( I have attached screenshots of both agencies ). This is a HUGE difference.

I feel like Experian Boost does this intentionally to scare people into thinking there is something wrong with their credit so they pay them. This is a very deceptive practice and I hope more people have complained. There should be some law against this! 

Thank you for listening.
Product: Student loan

I paid off my student loan from XXXX but I am getting letters in the mail from a comany called Central Credit Services LLC. They are stating that I have not paid off my debt. But I have documentation that I have paid my debt in full. I believe they are a scam. 

Their contact information is Central Credit Services LLC XXXX MO XXXX Phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, and Microbilt. I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Product: Money transfer, virtual currency, or money service

I transferred money 3 times to the wrong individual. The individual was contacted to return the funds which was ignored. The last transfer was caught within 12 hours for {$460.00}. I am complaining because cash app has no protection in place to prevent sending money to the wrong person. When I tried to make a suggestion they hung up the phone in my face. Why cant we attach a PIN number for individuals to retrieve funds. That way if money is sent to the wrong person by accident they wont have the pin to retrieve the money and the transaction can be cancelled. Also they give you the run around and wont release any information so the I can take legal action against the person who took my money. The police was contacted and could not do anything because the person didnt steal the money I sent it to them. Yes I did, but by accident, just like if the bank deposit money into your account by mistake, that doesnt mean its yours to keep. Cash app refused to contact the individual and request the money be returned. They did absolutely nothing but act concerned. You would think with people using this app, they know this is an issue with funds being sent to the wrong person. The person has to be a nice person and return it which was not the case with my experience. This is the only recourse a sender has if money is sent to the wrong person. Cash app needs to protect the people who use their app better. A simple money retrieval pin would solve this problem. Im asking cash app why do you not have something in place to protect your users from sending money to the wrong person. Im sure this happens all the time. Im not going to be surprised when a class action law suit is filed for this reason. Cash app will not release any information so you can take legal action and the know the police department is not going to help and the bank will not reverse the charges. The customer is left with not recourse and feeling robbed and taken advantage of and no one seems to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has several hard inquiries on my credit report from XX/XX/XXXX and XX/XX/XXXX. I have never inquired for any type of loan with XXXX XXXX. XXXX   XXXX is reporting a credit inquiry for a business that I was once a member of and not the primary gaurantor because the company was a LLC. These inquiries for credit were not made by me. Also, XXXX XXXX is breaking the FCRA. Only personal requests for credit should be reported. The inquiry is for a business I no longer work for and do not own and it should be reported as a personal credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY : XXXX XXXX ACC # XXXX has been reporting multiple different dollar amounts owed to different credit bureaus. The total amount owed and the initial amount owed have been reported inaccurately. I disputed the account and the investigation was verified as accurate by all three credit bureaus. But as I will show you it is surely not accurate. it actually is filled with inaccuracies. This company has reported one balance of {$5900.00} to Transunion and reported {$5800.00} as a balance to XXXX. The company also reports three different names of the company one being XXXX XXXX XXXX, the other being XXXX XXXX XXXX XXXX and the other just XXXX XXXX. All of these inaccuracies are proof that the investigation completed by the company made to protect my information and verify it as accurate has failed In accordance with the FCRA XXXX account 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 states that a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX This inquiry does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the victim, was not aware of the fraudulent activities on my credit history. I noticed between the month of XXXX 2023 when I could not get approved for a vehicle and my credit started to decline. These actions were not taken by me. At the time, I was between the ages of XXXX trying to build my credit score and did not know anything about credit cards let along credit fraud. One account is within the amount of ( XXXX- {$11000.00} ) and the other ( XXXX XXXX {$4000.00} ) is wish to be removed as for my credit will rise and I wouldnt have to keep coming across this hassle.
Product: Credit reporting or other personal consumer reports

About a month ago I realized there were fraudulent charges on my XXXX account. I called XXXX. They removed the charges and closed the card. They sent me a new card BUT charged me interest on those fraudulent charges ( which they assured me in a letter ( attached below ) they mailed to me they would NOT do ). I was also assured this would not get reported to the credit bureau. I didn't realize this so of course it was marked late. This was reported late and was reported to the credit bureau mid XXXX of this year. 

I called and told them this was wrong, and they removed the interest charge of XXXX and credited me back. Unfortunately, the negative mark on my credit report that XXXX has reported has not been removed. It caused a big drop in my score. I need this to be removed ASAP. I called XXXX multiple times with no success. 

I also requested they give me a letter saying that they made a mistake, and this late payment should have never been reported. They haven't done this. I explained to them the importance of updating the report. 

I am currently getting mortgage for a house will not be able to if my score doesn't go up. I will lose the home I am trying to purchase. I understand it takes time to take things off my credit report, but XXXX can at least give me a letter saying this was reported my mistake. I also disputed this XXXX late payment on all the credit bureaus. It was reported mid XXXX of this year. I need this negative mark off my credit report ASAP. Please if you could help I am desperate at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX has all 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 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 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 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

The bureaus are reporting this XXXX XXXX account inaccurately. 

XXXX reports XX/XX/XXXX for the date of last activity while XXXX reports the date as being XX/XX/XXXX and Experian reports the date as being XX/XX/XXXX. 

Also, XXXX has not legally investigated this account as XX/XX/XXXX is the last reported date. 

Experian has never legally investigated this account as XX/XX/XXXX is listed as the last reported date, either. 

XXXX has clearly illegally re-aged this account. Also, XXXX reports additional positive payment history on a closed account.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX for inaccurately reporting a medical collection account ( Account Number : XXXX ) on my Experian credit report in violation of federal law. I have never entered into an agreement with XXXX XXXX, nor have I received any correspondence from them regarding this alleged debt. Furthermore, the debt has never been verified with the original creditor. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to demand that XXXX XXXX XXXX all further contact and reporting of this account. Additionally, this account is past the statute of limitations in XXXX making its continued reporting unlawful. 

It is also improper for a collection agency to report a payment history, as this violates credit reporting guidelines. Moreover, under the Consumer Financial Protection Bureau ( CFPB ) rule announced by the XXXX administration, unpaid medical debts should no longer appear on credit reports. 

Given the recent CFPB lawsuit against Experian for failing to properly investigate credit report errors, I have serious concerns about the integrity of your reinvestigation process. 

I demand immediate removal of this account from my credit report. Failure to comply will result in legal action under FCRA Sections XXXX and XXXX for negligent non-compliance.
Product: Consumer Loan

contacted after business hours, left harassing voice mails, customer rep cursed and swore at me. Customer rep said we were going to jail. customer rep left a voicemail and did not identify who they were ... this is an ongoing issue with the company ... Westlake financial .... charges for fees that are illegal in my state. and clearly is listed as states that are not allowed to be charged fees ... purposely bounces my checks thru their system so that they do n't process to put me behind on my payment.
Product: Credit reporting

There is a reported address on my credit report that does not belong to me.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am writing in regards to a complaint/issue I am having with TD bank USA N.A. 

On XX/XX/XXXX I made a purchase with a kitchen supply company for some kitchenware in the amount of {$9700.00} and was promised a estimated date of arrival on XX/XX/XXXX. After numerous attempts to contact them I was not able to reach anyone. This went on for a few weeks with no luck. I finally decided to call Target card / TD Bank USA and filed a dispute with the card company. TD bank USA stated they would credit back the disputed amount while they investigate the matter. On XX/XX/XXXX I received a mailed letter stating the disputed amount of {$9700.00} has been placed back on my account. Since receiving this letter I have found ways to contact the merchant who charged it and got a hold of someone and they have agreed I have not received my products and that they did inform TD bank USA that I have not received my products. I have contacted TD bank USA numerous times with no luck on getting any calls back.
Product: Credit card or prepaid card

previously disputed a CFPB complain and results came back stating account not reported with XXXX. Preferred credit revolving account is factually incorrectly. All 3 bureaus are reporting account status as closed with a balance of {$5600.00} with the payment status of charge off with different account #. XXXX XXXX is reporting account # as XX and no data whatsoever on payment history whereas XXXX is reporting account # as XXXX with payments and late payments on payment history. XXXX is reporting account # as XXXX with OK as agreed from XX/XX/XXXX through XX/XX/XXXX, yet all three bureaus are missing data on date last payment. This is ridiculous! There is no way that account can be accurate and reporting on credit report when all three bureaus are reporting differently. Information should be the same when coming from the same furniture data. date less active is being reported at XXXX XXXX by XXXX XXXX and XXXX while XXXX reports XX/XX/XXXX. It is not acceptable that all three bureaus are reporting the same account separately! This is increasing my total debt by doing so.
Product: Checking or savings account

On Tuesday XX/XX/2017 I transferred funds from two joint checking accounts at First National Bank ( FNB ) to a personal checking account making the AVAILABLE balance in the personal checking account {$15.00}. I then made a purchase for {$15.00}, leaving a positive balance in the account of {$.00}. The next day both of the transfers and the debit card purchase were showing a pending and the account was showing an overall balance of {$.00} but I was also charged an overdraft fee. Credits are posted to the account before debits so the transfers were credited before the purchase and the purchase is still showing as pending. I contacted the bank to request a refund of the overdraft fee but was told the funds were not available at the time of the purchase. However, FNB policy is that transferred funds are available immediately, credits are posted before debits and again, the funds were showing as AVAILABLE. If the funds are not available then they shouldn't be included in the total available amount listed online. This is deceptive and is a way for the bank to obtain more overdraft fees.
Product: Money transfer, virtual currency, or money service

I was looking on the Washington DC XXXX to find housing for the summer. I found this place that seemed decent and where I wanted to live. I proceeded to email and messaged the XXXX XXXX XXXX which may be a fake name and also the landlord XXXX XXXX which may be a fake name as well. I'm not sure if the lease agreement is even legitimate and I do understand now that I've made many mistakes here in this situation as a first timer. I've sent over the security deposit and first months ' worth of rent and that's a lot of money for me to lose. The persons email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my credit report that are not mine I dont know how they appeared on my credit report and why they are still there since XX/XX/XXXX and the bureaus are not responding back or answering back to me. I need these off my creit report. 

XXXX XXXX  - Acct # XXXX Amt $ - XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$9700.00} XXXX  XXXX  XXXX  - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$0.00} INQUIRIES XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX