23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They keep calling me and I've blocked their number, but they keep calling me ; I'm on medical leave with no income, and I'm not able to pay anything if they're trying to collect a debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to update/correct my personal information on file with your company
Product: Credit reporting or other personal consumer reports

Inaccuracies reported by SYNC/SAMS CLUB XXXX XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, FL XXXX XXXX for {$1100.00} on XX/XX/year> and XXXX XXXX  XXXX XXXX ) XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX for {$830.00} on XX/XX/XXXX, XXXX 

to XXXX, XXXX, and XXXX credit bureaus. After I filed disputes, an investigation by XXXX was conducted, and creditors verified that debts were mine. These are not my debts. I dispute these findings, and am requesting the following : Debt validation proof, detailed list of payments on account, my signature on said account contracts, any insurance claim filed on debt, proof of chain of title to collect on debt, in Accordance with 15USC 1692 G. 

I also dispute a Hard Inquiry on my Credit Report By : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Under the FCRA, if disputed items can not be verif
ied, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. Validate Inaccurate/Reported Late payment XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed 4. Identity Theft XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 
5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
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 practice 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 in financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw accounts that I did not authorize. Experian stated to fill this form out and I did and I have not heard anything back
Product: Credit card or prepaid card

I'm a loyalty XXXX and American Express customers. But these two banks close all my credit cards accounts recently. XXXX : They close all my credit card account and claim I have too many additional card holders for my XXXX credit cards. After they told me, I have close all my additional card accounts. But they still decide to close all my XXXX credit card account ... It's not fair. American Express : Last month, they start a Financial Review on my account and I have follow the step to file my tax return to them, but they still close all my accounts. I have no idea why they decide to do so. P.s : All my XXXX and AMEX credit cards have no balance due and I always pay the bill on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2017 I have attempted to contact Transunion multiple times. I have spoken to two different supervisors both named XXXX and XXXX. I mentioned that I would be willing to provide the needed information in order to resolve this huge issue. I also explained that I understood my rights as a consumer and legally transunion was suppose to send out a 5-day prior letter stating this the information ( inquires ) originally deleted due to glitches on two different occassions, were now going to be re-added. However they failed to do that. Out of the three credit beauras this is the one that has left a bad experience and have failed to assist with proper information. And as far as a resolution, I am requesting that all of my Hard Inquires be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Back In XXXXXXXX XXXX XXXX I was a victim of identity theft, someone hacked my phone and got into all of my accounts including my banking and personal information. I was admitted to the hospital & been back and forth over the past couple years dealing with XXXX XXXX XXXX with multiple hospital stays. Upon checking my credit score within the past month, I began to notice unfamiliar activity or my accounts & reports. Most of the reported dates when the accounts were open were all either on days I was in the hospital or on days when I had XXXX. I have on several occasions tried to work on resolving these issues with banks and the furnishers of the accounts but those efforts have been unsuccessful. This is my 3rd attempt with trying to get assistance. I am a victim of fraud and also XXXX XXXXXXXX veteran who suffers from XXXX and I believe these companies are taking advantage of me and are only coming after me. I am sorry I do not have a name of the person who stole my information from my phone but I ensure you that I had no knowledge of who would do this nor was it any one in my household. Every time I have tried to work with one of the companies they send back a report just verifying the account was in my name and used my information. Each time I explained to them what happened they tell me how it is me who opened the account as if they seen me personally or I had given them a copy of social or birth certificate. I am asking as a request please help this veteran get his life back following fraud and stop this companies from taking advantage of citizens being greedy looking for money.
Product: Debt collection

Didn't find reasons for injuries, and over billed for services not needed. Injury due work.
Product: Vehicle loan or lease

date XXXX the amounts of credit extended XXXX to wells Fargo auto I have send a letter to resolve the issue they fail to respond to the letter or to open the account that is all ready been credited by my open end consumer credit plan 15 US code 1602 J this entire process has been unfavorable me they have discriminated against me.
Product: Checking or savings account

This morning, XX/XX/2022, at around XXXX Eastern XXXX time, I Received a string of emails from Bank of America, first to " verify email address '' ( I did not respond ), second was that an online application for an account was being processed, I did not apply for any Bank of America product, third email said my application was approved, fourth was a " welcome to online and mobile banking '' message, and finally, a message came confirming that I changed my email address, which I didn't do because I never verified my email address with Bank of America to begin with.
Product: Debt collection

This morning my bank account was frozen by XXXX XXXX, every XXXX was removed without any prior knowledge. When I went to see what this was on behalf of I was told there was a personal judgment as well as a lein to my property. I have never been served any papers from a court on behalf of a hearing or a judgment. No one is able to provide me this proof of service or information about the debt. Was only told it was for 2011 and now is at over {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last complaint sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXXDate of Inquiry XX/XX/XXXX
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.

These two accounts below has smaller amts that were reported without my consent to report as being late. The sub accounts are as follows with totals and times late. 

Accounts # XXXX Accounts # XXXX $ XXXX 5 days late {$10000.00} - 2 days late $ XXXX 5 days late $ XXXX 2 days late 15 USC 1681 Section 602 A. States that I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section sates : no consumer reporting agency may make any 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency
Product: Credit card

The company continues to report this account on my consumer report when they wrote the account off as a profit loss but failed to issue me a 1099c. This account is causing negative impact and unnecessary stress on my life as I'm trying to gain employment. Please remove this inaccurate account from my consumer report XXXX. This company wrote this account off on their taxes but continues to report inaccurate information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported my payment 30 days late in the month of XXXX and XXXX although the payment was paid in XXXX and XXXX. 

This inaccuracy in reporting is damaging the credibility with other lenders. 

XXXX XXXX own internal reporting does not indicate that the payment is late, nor do they assess a late fee for the period in which they insist was delinquent. 

They refuse to fix the issue by contacting the three main credit bureaus to report the error. 

XXXX XXXX is a predatory lender that is taking advantage of individuals attempting to establish or rebuild their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX/dept of Ed account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX 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 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

On XX/XX/22 XXXX XXXX XXXX XXXXharged my card XXXX for services I never had I filed a dispute on XX/XX/22 it was closed I sent in documents from the company to CARD.com on XX/XX/22 and my case was still not reopened or even look at again
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding to Zelles handling of disbutes, Particularly in light of the recent CFCB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle fails to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only had neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022, I received a XXXX credit report and noticed Citibank is not reporting an accurate open line of credit. Instead on showing the credit and payment history Citibank and or XXXX has listed the account as no status effectively impacting my debt to credit ratio and credit score according to the report Citibank is not reporting this information. I believe this technique of XXXX/Citibank conveniently not reporting the line of credit is targeting Americans of XXXX descent and designed to lower credit scores and block the consumers purchase finance abilities. I want the CFPB to investigate this practice and find out how many Americans of XXXX descent are impacted by XXXXCitibank refusal to report open lines of credit with timely payment histories and fine all parties involved in this deceptive business practice.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} 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 Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX I am submitting a SECOND complaint against EXPERIAN and there is no third party involved. EXPERIAN STILL has my personal information inaccurate on my consumer report. My name is spelled incorrectly. My addresses are inaccurate, they don't belong to me. The name on my ID and social security card is how my name should be spelled. The address on my ID is the only address that should be shown on my credit report. I DEMAND EXPERIAN TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, SERVICES, A PLACE TO LIVE FOR MY FAMILY AND, TRANSPORTATION AND MORE. EXPERIAN is now liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance with all three credit bureaus failed to comply. Pursuant 15 USC 168 1 and 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}. I demand Experian to provide me with a copy of my written instructions and consent to furnish these fraudulent and inaccurate said account ( Exhibits provided ). Also please provide me with their Verification method to verify said account. In accordance with the FAIR CREDIT REPORTING ACT ( FRCA ) These three credit bureaus HAVE VIOLATED MY RIGHTS 16 USC 1681 SECTION 602 states I have right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written permission or instructions. I only want positive reporting on my report, from this day forward.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, Experian for violating the Fair Credit Reporting Act and my consumer rights. Experian denied all my disputes and Experian provided faults information Experian has damaged my reputation as a debtor and destroyed my creditworthiness. Whenever I file a dispute either Experian denies them less than 24 hours or Experian will not allow me to file any disputes. Experian has violated these Acts ( Title VIII of the Consumer Credit Protection Act ), third-party debt collectors are prohibited from using deceptive or abusive conduct. 15 U.S.C. 1681 the Fair Credit Reporting Act - The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. Experian being purposely report faults in information and low scores on my credit report to keep me stuck and bound to their faults and allegations. They have profiled my account with them and they retaliating for reporting and complaint about their misconduct to FTC AND CFBP.