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

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX Dear Sir or Madam, I am writing to formally lodge a complaint against XXXX XXXX and XXXX XXXX XXXX, regarding their handling of two disputed accounts on my credit report : a {$10000.00} account with XXXX XXXX and a {$430.00} account with XXXX XXXX XXXX. Despite disputing these accounts for over three months, I have received no resolution or proof of my connection to these accounts. The companies have failed to provide any documentation, including signatures or any other evidence, linking me to these debts. I believe that these actions are a violation of my consumer rights under the Fair Credit Reporting Act, which requires that creditors provide verifiable evidence of a debt before continuing collection efforts or reporting the debt to credit bureaus. The refusal to provide such evidence is causing undue stress and potential harm to my credit score. I respectfully request that the CFPB investigate this matter and ensure that XXXX XXXX and XXXX XXXX XXXX comply with all legal requirements. Additionally, I ask that these disputed accounts be removed from my credit report until verifiable evidence is provided. Enclosed are copies of my previous correspondence with XXXX XXXX and XXXX XXXX XXXX, as well as any responses received. I hope this information aids in the prompt resolution of this matter. Thank you for your attention to this issue. Please feel free to contact me at the phone number or email address listed above if further information is required. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX  Account 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and did not make the charge [ s ]. I never gave your companies authorization to pull my credit report. Because of this unauthorized pull, my credit score has dropped. In order to pull a consumers credit report you need permission to do that, and if you dont have it its a violation of the FCRA which carries fines. Please provide me with proof that I authorized your company to pull my credit report. If you cant send me this proof in 30 days, you must delete this inquiry at once. Please update, or remove any inquiries that is not reporting with 100 % accuracy.I have contacted the furnished who placed these inaccurate inquiries on my credit report. I asked them to provide me with proof that I gave them authorization to pull my credit report. As of today, they have not provided with the proof that is required. Because of that they had no permissible permission to pull my credit reports. 
After researching on the internet, it states a company needs authorization to pull a consumers credit report. This company did not have that authorization. They have violated the law, and I will hold them accountable. Because of their violations, Im asking your company to follow the law and delete these unauthorized inquiries Here are the inquiries : XXXX - Card Service Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 XXXX   XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX  XXXX XXXX-XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX   Inquiry from XX/XX/2019 XXXX  XXXX XXXX   Inquiry from XX/XX/2019 XXXX - XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX XXXX   Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this account with XXXX like 2 years ago. Sometimes this year i called the company and demand that it should be closed. They told me that i can keep the account open and that they will not charge me annual fee if i do n't use the card. Later on they called me and told me that i am owing money on the account. I explained to them what happened the last time i spoke with them, so they told me they will clear the debt and close the account. I think they called me 2 more times to ask that i pay the money, and on all occasions i explained to them that i have requested the account be closed. 

Later when i lost my job in XXXX, i applied for a load and they turned me down that my account is delinquent. I did n't understand what that meant, so over looked it. It was when another company closed my account with them and mentioned the same delinquency that i had to check my credit and saw that it was reported by XXXX as past due twice, one in XXXX and the other one in XXXX! Then i applied for a job and they would not proceed with me because i have a bad credit. XXXX sent me a mail 2 days ago that they had to reduce my credit line because i had a delinquent credit. 

I called XXXX XXXX and they told me the account was closed in XXXX XXXX! How can an account that was closed in XXXX, be past due by XXXX and XXXX? They told me that they reported it well and that i can file for a dispute and that was how i ended up here.
Product: Credit reporting

My son filed for bankruptcy he is a XXXX, Equifax is reporting his bankruptcy on my credit report. 
I have spoken with the US Bankruptcy Court XXXX and XXXX Consumer Service neither has this in their data base as being mine. Only Equifax is reporting this inaccurate information. I have being trying since XX/XX/2017 to get this off my credit report to no avail.I am attaching a copy of my son 's bankruptcy discharge papers to show this is not mine.
Product: Credit reporting or other personal consumer reports

XXXX, transuion and XXXX  are all reporting false inaccurate information. I want to File auto dealer fraud XXXX XXXX finance None of my documents that I requested match or support the transaction. I went to the XXXX XXXX dealership who ran up to 5 applications over a week for no good reason and they provided me a lender whose terms changed once it came to signing with was XXXX. The Declaration page has XXXX yet XXXX is now listing themselves as the lien holder and reporting inaccurate information to credit bureaus. Documents have False Signatures Never signed or agreed to any of the Terms with XXXX XXXX I have included a letter, emails to XXXX corporate office and screen shots
Product: Checking or savings account

In the mail we received an offer to open a Key Bank checking account and begin our auto deposits. Have {$500.00} deposited in 60-days and receive the bonus. 

We did everything we were asked to do and never received the {$400.00}. The local branch manager kept telling us was just delayed. After about 90 days he sent it to a Vice President in XXXX that said the terms were {$1000.00} in deposits. I sent them a copy of the offer we received and they simply wo n't live up to their advertised offer. 

Criminal in some countries.
Product: Money transfer, virtual currency, or money service

I am filling a compliant 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. This left 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for violations.
Product: Debt collection

I attempted to have the medical providers bill my XXXX XXXX for services render from date of service from XXXX, XXXX, and XXXX of XXXX and the provider failed to bill them instead they placed accounts to collection to try to collect from me. I have contacted the Honorable XXXX XXXX for his assistance this matter and Congressman XXXX XXXX  sent letter to Florida Hospital XXXX XXXX to cease and desist the collection on account with date of service from XXXX thru XXXX and bill all accounts to XXXX XXXX. My deductible and coinsuranceis zero so account will be paid at 100 %. This specific collection agency has serval account for those date of service.
Account number for collection account are as follows : XXXX - {$120.00}, XXXX - {$88.00}, XXXX - {$88.00}, XXXX - {$130.00} XXXX - {$88.00}, XXXX - {$330.00}, XXXX - {$300.00}, XXXX - {$120.00} XXXX - {$9100.00}, XXXX - {$3800.00}, XXXX - {$240.00} These account were placed in all XXXX credit bureau thus damaging my credit score I have tried serveral time to contact collection agency and provider to no avail. I have also asked the providers to call XXXX XXXX at XXXX my member number is XXXX and verify my coverage with XXXX and they have refused. XXXX XXXX has advised me if claim is billed within 60 days fromXX/XX/XXXX all claims will be paid once I appeal being now claims are past the filling deadline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE THIS INQUIRY AND NEEDS TO BE REMOVED FROM MY ACCOUNTS. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my score dropped 63 points due to an error with XXXX XXXX  XXXX. They contacted bureaus and reported on time but did not raise my score back up the 63 points they took away
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ( has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian had neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice that i had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Document! This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened, Last Verified, Date of Last Activity, Date Reported, Account Rating not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a dispute letter to XXXX  also called them on XXXX, asked them to reinvestigate a few inquiries and accounts on my credit report that arent mine. I reported these accounts as fraud in past, each time XXXX reports them as verified. They also took 38 days to complete investigation, never mailed me the results, nor did they provide their source for the investigation. They claim I have a bankruptcy on my credit file, which isnt mine, they did not verify it with the court, they used a 3rd party agency. I request they remove all errors off my report that I have previously reported
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2400.00} XXXX contacted all three credit bureaus, XXXX, XXXX and Transunion and XXXX an identity theft report. 

XXXX  XXXX XXXX XX/XX/XXXX {$10000.00} XXXX contacted all three credit bureaus, XXXX, XXXX and Transunion and submitted an identity theft report. 

XXXX XXXX  XX/XX/XXXX {$5200.00} XXXX contacted all three credit bureaus, XXXX, XXXX and Transunion and submitted an identity theft report. 

XXXX XXXX XXXX XX/XX/XXXX. I contacted all three credit bureaus, XXXX, XXXX and Transunion and submitted an identity theft report. 

XXXX XXXX XXXXXX/XX/XXXX {$45000.00} XXXX contacted all three credit bureaus, XXXX, XXXX and Transunion and submitted an identity theft report. 

XXXX XXXX XXXXXX/XX/XXXX {$7200.00} XXXX contacted all three credit bureaus, XXXX, XXXX and Transunion and submitted an identity theft report. 


A HOST OF INQUIRIES ALSO I contacted all three credit bureaus, XXXX, XXXX and Transunion and submitted an identity theft report. ] XXXX XXXX XXXX XXXX auto finance 3 TIMES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO I ASKED THEM SEVERAL TIMES TO REMOVE ANYNNAME THAT IS NOT XXXX XXXX AND THE ONLY ADDRESS SHOULD BE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Consumer Loan

To the Parties Involved and assigned to Investigate Claim : Due to a pending refinance to pay off my vehicle loan, in conjunction with a brief illness, I asked for a deferment on my payments for XXXX or two months from the original lender Wells Fargo Dealer Services. This is an allowed option through Wells Fargo at least once during the life of a loan. I was transferred and spoke to the Deferment Department where I paid the {$25.00} fee over the phone ( on XXXX XXXX ) and was told my next payment would be due in XXXX. This is my third loan with Wells Fargo Dealer Services and none have had a late payment, all have been paid in full, prior to existing loan. I was told by the Deferment Department that I would receive phone calls from Wells Fargo Customer service about the late payment as it takes some time for the Deferment to go through the system and to " Ignore Them. '' I received voice mails about the late payment, but in regards to nothing else! I also received nothing in the mail regarding the Deferment, nor via email. 
Finally, I answered XXXX of the calls to ask why the paperwork was still pending, the lady was surprised about the Deferment and investigated. She found the payment of {$25.00} initiating but realized the agent was mistaken and never had me fax a signed paper that was required. She was kind and handled it very well and promptly and got it processed the same day for me. Lovely, end of story I had hoped. However, the bank called me on my refinance and says that Wells Fargo has dinged my credit, something I have guarded my whole life, and the result was a credit score that would cost me thousands in interest due to the late payment. So I phoned Wells Fargo D.S and spent an hour being transferred around departments, each time being told this was the wrong department. Finally, I was rudely told it was my fault I had not faxed in the form I did not know existed, and the ding to my credit was nothing they could do anything about. After additional time on the phone, finally, someone told me I could request to have this investigated by the credit company and it would take six months. I also will be notifying the C.F.P.B. 
I am to send all paperwork I have regarding complaint. Wells Fargo initially apologized for their error. Now, they are saying the error is my fault and the notes state they called me. They called regarding the missed payment, but never about a fax number regarding department. They also insist they phoned my work. A small business of about XXXX people, the chances of them not once delivering a message to me is highly unlikely. I also work full time there and was never reached. My husband, the co signer was also never contacted. Nothing was received via email or USPS. It is unethical that my credit is to be reprimanded for a companies mistakes as well as inconsistent training in their representatives. I appreciate any help in this manner. Thank you and please contact me if I can provide any further information. 

Sincerely,
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 ). Specially, 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 seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian CONTINUES TO DISREGARD MY COMPLAINTS! THEY HAVE VIOLATED ALL OF MY FCRA RIGHTS! I have sent over 8 letters of dispute to them all stating that the information they are reporting is 1.  INACCURATE and 2. UNVERIFIED with the original creditor. They continue to state that they verified the information with XXXX XXXX. First I have a security freeze in place so they aren't releasing any of my information and secondly THE INFORMATION THEY STATE THEY VERIFIED WAS REMOVED AS IT COULDNT BE VERIFIED AND WAS INACCURATE so how did experian verify the information with them? THEY HAVE FAILED to provide any proof of verification or the method even though I continue to request it. I have also stated in my letters I DO NOT CONSENT TO E-OSCAR OR ANY OTHER AUTOMATIC/ELECTRONIC VERIFICATION! I want all this information DELETED from my report IMMEDIATELY! I have filed complaints with the FTC, XXXX, AND MY ATTORNEY GENERAL. This is the LAST time I will try to resolve this before I take ALL of them to court for violating my rights and seek no less than {$1000.00} PER VIOLATION in damages. DELETE THIS UNVERIFIED Erroneous information from my reports AND provide me with the verification procedure used AND the method of verification. I have requested this from them numerous times and I have the tracking and letters to prove it and have NEVER received them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try dispute with all 3 Bureus a chapter XXXX also disputed with XXXX XXXX they all saying is verified by court they all get in this information from XXXX XXXX that is a third party agency so basically they are lying so in other words I would like this resolution resolved right away thank you they all lied sayin is verify by court court doesnt report to know one please deleted this immediately as I have proof from court an also is against the fair act to lie in reporting a file
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit reports. from the following credit reporting agencies XXXX, XXXX, and Experian I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately.This is a violation of my rights as consumer as well as identity theft.according to The Privacy Act of 1974 prevents federal agencies from releasing records that contain personally identifiable information without the individual 's written consent. and 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
And i did not give any written consent XXXX XXXX  ; inquiry date ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a violation of the privacy act of 1974 as well as my rights as a consumer
Product: Student loan

My husband transferred from XXXX XXXX XXXX XXXX to XXXX XXXX  to enable us to pursue degrees at the University of XXXX. After we completed our XXXX degrees I got a XXXX  XXXX   XXXX XXXX XXXX XXXX in XX/XX/XXXX, and my husband got his XXXX XXXX XXXX in XXXX  in XX/XX/XXXX. 

In XX/XX/XXXX, to simplify our bills, we consolidated our student debt into a FFEL loan. The loan was in both of our names, which at that time was allowed. 

When the Public Service Loan Forgiveness Program was announced we contacted our servicer and were told we had everything in order to have the debt forgiven. Every so often we called, and each time were told we were on track to have debt forgiven. 

Fast forward a few years. Our children attended college, and again we had multiple places where we needed to pay for student loans. We decided to consolidate our debt. We filled out the paperwork, but were told if we consolidated we would lose the ability to have any of our debt forgiven. We cancelled the consolidation.

Recently we realized we had made the required 120 payments and filled out the paperwork to have the debt forgiven. We received a response that no debt could be forgiven because we had the wrong type of loan. 

Disgusted, we decided to consolidate into a Direct Loan and try again. That was when we were told that it wouldnt work because my husband was not listed as the holder of the loan. All our student loan debt had been shifted to me, and I dont qualify for the Public Service Loan Forgiveness Program.

To be clear, my husband XXXX  from the military with 20 years of service, which included quite a bit of time in XXXX XXXX. In addition, he has 17 years of XXXX, most of that at a XXXX XXXX XXXX.