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

I am submitting a formal complaint against Experian for inaccurately reporting late payments on my credit report. The details of the accounts and errors are as follows : Account Name : 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 XXXXXX/XX/XXXX These late payments are inaccurately reported and have negatively impacted my creditworthiness. I have previously disputed these errors, but Experian has failed to conduct a proper investigation or provide accurate results. This is consistent with the allegations made in the recent CFPB lawsuit against Experian, which claims the company conducts sham investigations of consumer disputes, fails to thoroughly review disputes, and uncritically accepts furnishers responses, even when they are clearly incorrect. 

Under 15 U.S. Code 1681i, Experian is required to investigate disputed information and ensure accuracy, yet they continue to report these errors. This neglect demonstrates a failure to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). 

I have attached relevant documentation to support my claim, including account details and evidence of inaccuracies. I demand the immediate removal of these late payments and that the accounts be updated to reflect the correct status. If this issue is not resolved promptly, I will pursue further action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
XXXX XXXX XXXX  use, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX 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 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. 

Account below 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 Due to the pandemic I was trying to feed my family and keep up with my bills.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX -- Balance {$0.00} Account Name : XXXX XXXX XXXX : Account : Number XXXX -- Balance {$0.00} Unauthorized Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX UPSTARTNET XX/XX/XXXX CAPITALONE 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REPEATED ATTEMPTS TO REACH SYNCHRONY FINANCIAL AT THE ADDRESS LISTED ON MY CONSUMER REPORT TO DISPUTE A INQUIRY THAT I HAVE NO KNOWLEDGE OF, AND HAVE NOT GIVEN THIS COMPANY ANY CONSENT OR PERMISSION TO ACCESS MY CONSUMER FILE. THIS IS A VIOLATION OF FCRA section 604 (A)(3)

UPON MAILING MY DISPUTE TO THE ADDRESS LISTED ON MY CONSUMER REPORT MY DISPUTE WAS RETURNED BY THE U. S. POSTAL SERVICE DUE TO THE FACT THE COMPANY DOES NOT DO BUSINESS AT THE ADDRESS LISTED ON MY CONSUMER REPORT.

ATTACHED IN THIS FILING YOU WILL SEE THE ADDRESS LISTED ON MY CONSUMER REPORT AND WELL AS THE RETURN TO SENDER FROM THE U S POSTAL SERVICE SAYING THIS ADDRESS XXXX XXXX XXXX XXXX XXXX  OH XXXX  IS NOT IN USE BY SYNCHRONY FINANCIAL.
THIS IS A DEFINITE VIOLATION 15 U.S.C.  1681s-2
Product: Debt collection

This is a fraudulent account. I have filed a police report. I suspect that it was someone I may know as they paid initial payments then quit paying it. Items were also stolen from my house. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$70.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling 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 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: Vehicle loan or lease

On XXXX XXXX I came into the dealership of XXXX XXXX XXXX XXXX and did a Pre-Payment when I filled out the paperwork for the application of Extending my credit for a purchase of a XXXX XXXX XXXX and I completed the loan paperwork. I then picked up the truck from another dealership on XXXX XXXX of XXXX the next day which was Thursday. 

After reviewing my contract, I decided to make an amendment /Notice of Rescission on XX/XX/XXXX to the Contract with the lender due to the Security interest that's on the contract not being in my best interest, I sent over a Power of Attorney to Identify the Principle being that I am the Consumer/ Payee to this Prepayment that has extended my credit for this transaction for the contract I am obligated to receive the interest applied to the contract because I am the Principle to the account. The documents that I have signed have stated that I am the Buyer not the Borrower It states prepayment, and repayment nowhere in the contract does it state it's a loan. 

I was advised that After I sent in the Notice of Rescission the Inhouse financing stopped the payment on XXXXXXXX XXXX and XXXX towing Driver XXXX picked up the Truck from the address on my application. At the time of this transaction, I still hold the documents of this transaction because I understand that I am responsible to this account and Accept for Value of this payment agreement transaction as a Prepayment and not repayment. I wanted to make the Contractor/Lender aware that I am the PAYEE. At this time this account has been created and still stands in my hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible.
Product: Debt collection

I.C. Systems is attempting to collect a debt from me without validating the debt. I requested validation of the debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA by mail and it has been over 30 days with no response. The debt continues to be present on my credit report. Continuing to attempt to collect a debt and reporting it to the three credit bureaus without validating the debt is illegal and fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed that money was coming out of my account at an alarming rate. I locked my card and contacted Cash app. Support. And questioned how they could allow 41 transactions in a matter of less than 10 minutes. Each for ( {$20.00} ) XXXX dollars and XXXX cents, for a total of ( {$820.00} ) XXXX XXXX and XXXX XXXX dollars and XXXX XXXX cents. 
Never actually getting to talk to an actual person, they communicated through a bot. Telling me that I couldn't dispute the transactions until they went through. Or contacting the merchant was an alternative route to find out how they received my information. And to contact them ( Cash App. ) in a few days to contest the transactions. 
In the days to follow, I contacted Cash App numerous times to no avail. Only getting to speak to a representative once. Which, at that time I received the case number ( XXXX XXXX XXXX ) and she looked up the merchant that made the many transactions, only to find out that the vendor didn't exist. I hope the call is on file ( recorded ). 
How was there no safe guards to prevent something so egregious? And why was it so hard to get to speak to a live ( human ) representative? And even furthermore, how come after the one time I did get to speak to a human being, and she came to the conclusion that the merchant wasn't a real existing vendor that I wasn't compensated or reimbursed knowing that it was fraud. And I wasn't at fault. Cash App provides no solution, and never contacted me as they said they would.
Product: Debt collection

After carefully going through my recent credit report, I noticed multiple accounts that I believe were fraudulently added without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the accounts as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00}
Product: Debt collection

Taking money and paying unauthorized payment to or from secured account. I want all that is owed to me
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to the IRS laws, the tax consequences of Charge-Offs, the IRS may view outstanding debt forgiven or canceled by the lender as part of your taxable income. I'm showing proof that this company XXXX XXXX XXXX XXXX  # XXXX is reporting to my credit account as a charge-off. In addition to this, A charge-off is considered a certificate of indebtedness so its considered income and income is not reportable and should be removed effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate 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 are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) 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 if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to formally dispute inaccurate information on my credit report. Despite previous attempts to resolve this issue, the inaccurate information remains unchanged. 

The inaccuracies in question involve things I have previously disputed with no correction. This failure to investigate and resolve disputes aligns with the practices mentioned in the Consumer Financial Protection Bureaus complaint against XXXX, where XXXX was found to violate the Fair Credit Reporting Act by not properly investigating consumer disputes. 

I request that you review and update my credit report accordingly. Please provide me with the results of your investigation and the corrected credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX Dear TransUnion, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ) in response to the inclusion of an inaccurate and unverifiable tradeline on my credit report. The tradeline in question pertains to an account with XXXX XXXX XXXX XXXX, a company with which I have never had any business relationship. 

This erroneous entry on my credit report not only violates the FCRA but also contravenes consumer protection laws, specifically 15 U.S.C. 1692c and 18 U.S.C. 1028 ( a ), which explicitly prohibit the inclusion of unverifiable information and information obtained through aggravated identity theft on consumer reports. 

I wish to emphasize that I have never engaged in any transactions with XXXX XXXX XXXX XXXX, nor do I possess any knowledge of how they obtained my personal information. The presence of this unverifiable and inaccurate information on my credit report has severely hindered my ability to access credit and other financial services. 

In accordance with my rights under the FCRA, I demand that TransUnion promptly initiate an investigation into this matter and expeditiously remove the inaccurate tradeline from my credit report. I require documentation verifying the information attributed to XXXX XXXX XXXX XXXX within 30 days of the receipt of this letter. Should TransUnion fail to verify the accuracy of this information, it must be promptly removed from my credit report. 

It is imperative to note that I have previously requested verification from XXXX XXXX XXXX XXXX, who provided only copies of bills, failing to furnish the original application and the original address associated with the application at the time of submission. Furthermore, I have been a victim of identity theft and have duly informed all four consumer reporting agencies of this fact. 

Given the repeated disputes I have lodged regarding this account and the failure to provide adequate verification, I insist that TransUnion remove this account from my credit report within 15 days. Failure to comply with this demand will compel me to pursue legal recourse, including seeking putative damages for the violations stemming from the inaccurate reporting of this tradeline on my consumer report. 

I anticipate your prompt attention to this matter and a timely resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

To whom this may concern, Per the FCRA as a federally protected Consumer I am now opting out of any and all Authorization I the consumer may have given to you written and un-written, verbal and non-verbal, Per 15 USC 6802.
Product: Debt collection

XXXX, Transworld Systems inc has sent me a debt collection notice for a debt stating I owe Com..Edison that I do not owe XXXX XXXX. I have spoken with XXXX XXXX and the Customer Service person did not find any such debt. The amount for collections reminded me that the amount asked for is simular to the amount I asked XXXX to help me pay. I was refused XXXX assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My wife and I just moved to XXXX, WA for a job. We had a great credit score, in the high 7

00 's. When we set up a mortgage meeting, we were all shocked when she asked why our credit score dropped 100 points.

It turns out that we had a {$900.00} student loan that was due the week before. A few weeks before, my wife had put everything on autopay so I'm not sure why it wasn't paid. I called right away and paid it in full. We got no notification that it was due soon. Our mortgage loan officer said the points should be returned to the account as it was a mistake.

They are still not returned. We are living with my inlaws as our credit score is keeping us from buying a house.

Everyone I have spoken with says the points should be returned since it was a recent mistake.

I hope you can help
Product: Vehicle loan or lease

I traded the car in they told me to put the XXXX down on the new car and they will make it where I did not have a late payment but it took XXXX  days to do the paperwork and I have a late. The car is now paid off and they will not take the late payment off the credit. The company is global lending.
Product: Money transfer, virtual currency, or money service

I sold XXXXEthereum on Coinbase on XXXX XXXX at XXXX for XXXX $ US Dollars and the money went into my USD Wallet on Coinbase at exactly the same time at XXXX. At XXXX on the same day I clicked to withdrew my funds from my USD Wallet that contained XXXX $ US Dollars to my XXXX XXXX  checking account ; provided I had already setup payment methods before. On the USD Wallet transactions page it showed that my transaction was " completed '' .I gave 2-3 business days for the money to arrive to my checking account on my XXXX XXXX account. The screen then told me that my money would arrive by the " end of the day on Saturday XXXX XXXX ''. I filed XXXX emails before and after that given time as my money did not appear but on Coinbase their transaction was " completed ''. I re-checked my account and learned that under the " History '' tab my transaction was still " pending ''. During this time I reached out to the community forums as well as Coinbase support to figure out the issue but all I got was automated response emails. It is now XXXX XXXX of XXXX and my XXXX $ Still has not been deposited into my checking account. I want this issue to be solved but so far I have received absolutely no support from their support page and I learned that this happened to thousands of other people as well. I would like to close my account and never use their service again but still cling to the " hope '' that my money will be deposited. This is unacceptable and should be fixed.