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

There are a number of inquiries on my report that I did not authorize and I do not know why they are on here and I need them off as soon as possible. I called XXXX and they would not remove them. Listed below are the name of the inquires and the dates of them all. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX card XXXX Cap XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cap XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX finance XXXX XXXX XXXX Cap XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cr XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX auto XXXX XXXX fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX Premium cred XXXX
Product: Credit reporting or other personal consumer reports

My identity was stolen some years back in XXXX I use my married name now because of this reason. 

XXXX XXXX XXXX. Open XX/XX/XXXX Cash Net XXXX XXXX XXXX XXXX Open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to the credit bureaus XX/XX/2020. I have not received any results yet. It has been over 60 days. That is a voilation. I demand for those accounts to be deleted at once. I feel as if they are taking advantage of me and not taking my request serious. I also sent a complaint through consumerfinancial.gov/complaint a few weeks ago. This is my second attempt to send a complaint. I received a letter from you saying you threw out my last complaint for not identifying myself. I am Who i say I am.
Product: Credit reporting or other personal consumer reports

In accordance with the 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. 
On top of that, The Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, XXXX VI, Section XXXX, Subsection A-D is also being violated because after multiple disputes the unverified inaccurate items are still illegally reporting to my credit report.
Product: Debt collection

Over the last few years I have neen disputing the 24 musical bills from the State Collection Service and they are all  duplicate debts with late fees/interest tacked on. They keep adding 1,2, {$3.00} dollars and reporting them as a new debt to the credit bureau. I have seen over {$100.00} in just 4 weeks being added on and reported. They are causing me emotional and financial harm at this point. I never signed a contacted with this company. The attorney I spoke with said they are not allowed to charge late fees or interest to medical bills. I have not even recieved a notice in regards to the debt or the debt increase, I get notified by XXXX XXXX every time it increases.
Product: Debt collection

Thank you for fielding my previous complaint against XXXX, XXXX XXXX XXXX and their attorneys, XXXX XXXX XXXX XXXX XXXX. The bank, in addition to the attached and incorporated response to your office, sent the change in address to XXXX XXXX XXXX address in New Jersey, and to the attention of the special unit, as addressed on the copy I have provided, also attached and incorporated as my proposed updated complaint. In the alternative, please consider this correspondence as a new complaint against the parties contained in the correspondence, additionally attached and incorporated. I had not heard from the bank or their attorneys after receiving their responses from your office. In XX/XX/XXXX I received the attached and incorporated post card notice, under envelope return addressed at XXXX XXXX XXXX XXXX XXXX address. Then in XXXX I received the attached Validation Notice from Gross Polowy LLC Attorney XXXX XXXX, XXXX, on behalf of XXXX XXXX and post marked XX/XX/XXXX. I responded to the letter by sending a written request for substantiation/qualified written request on XX/XX/XXXX. The Notice of Auction letter was sent XX/XX/XXXX and I responded with the Notice of Grievance and Error, all attached and incorporated by reference. It is my position that the documentation mentioned above is evidence of knowing and egregious violations of Federal and New York State Debt Collection Procedure, RESPA and TILA, and contains false and misleading statements, simulations of legal or judicial process and sanctionable ethical and professional misconduct. I hope that your office can assist or mediate in interrupting their wrongful actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

they are problems with several accounts that say charge off and accounts that say late these are not factual and need to be corrected
Product: Debt collection

I sent a debt validation/verification letter to ACIMA on XX/XX/year> and I have not received a response. I do not believe this is my debt and I demand that they send me all of the requested information in order for me to verify that it is mine
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and XXXX  stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit card or prepaid card

XXXX approved me for its credit card offering 0 % financing for the first six billing cycles, to which I set up auto-pay for the minimum. 

Upon receiving the fifth bill statement, I sent secure message XXXX XX/XX/XXXX XXXX XXXX : " My promotional zero percent financing will end in the sixth billing cycle, XX/XX/XXXX, auto-payment on XX/XX/XXXX. Can I set that and all future payments for the full balance to avoid any finance charges? '' XXXX, XXXX, replied : " Changes to the AutoPay amount will not take effect until your account has gone through a complete billing cycle. '' Since the fifth cycle, XX/XX/XXXX, already completed with a minimum auto-payment set for XX/XX/XXXX, I successfully changed auto-pay for the sixth cycle, XX/XX/XXXX, to full balance for its XX/XX/XXXX payment due date, just as I had asked and XXXX instructed. My XX/XX/XXXX statement shows full payment credited on XX/XX/XXXX, but " XXXXnterest Charged ... .+ {$24.00}. '' I complained to customer service, but XXXX merely replied that since the intro rate expired XX/XX/XXXX, payment for all charges through XX/XX/XXXX was due on XX/XX/XXXX. I argued : " I reasonably relied on your reply that I should set auto-pay to full balance ; you did not say that I must pay the XX/XX/XXXX balance by XX/XX/XXXX, which is impossible. If you had said that I must make full payment by any later day [ ( XX/XX/XXXX ) ] to avoid any interest charges, I would have done so. '' I repeatedly asked to escalate my complaint to a supervisor, who still has not responded.
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. 
ACCOUNTS : XXXX XXXX XXXX - XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2700.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX XXXX {$290.00}
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenienca an XXXX financial loss, and I seek appropriate redress I want the CFPB to publish this
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to express my ongoing concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite numerous attempts to address this matter, the fraudulent items persist, causing significant distress and financial hardship. 

I have reported this matter on multiple occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in your services. 

Given the urgency of the situation, I urgently request the following actions be taken : Conduct an expedited and comprehensive review of the fraudulent activities associated with my account to facilitate the swift removal of all unauthorized items and transactions.

Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to resolve this issue. 

Implement additional preventive measures on my account immediately to mitigate the risk of future unauthorized access or activities. 
Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in your services. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraudulent items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Went to branch during business hours XXXX Fri XX/XX/2023 to receive certified check for car purchase. Check needed same day as purchase was for Saturday which was out of state. Flight was purchased for {$1000.00} to deliver certified check and drive back car for Saturday. Bank had no way of transferring money to other accounts, withdraw money to cash, or wire money to different account in my name in order for me to complete the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXXXXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX made it difficult for me to make payments to my secured credit card. I made a payment from my XXXX XXXX XXXX  account several times, and the payments were returned. 

XXXX closed the account and used the secured payments to pay the account off. However, my credit report, it is showing bad debt charged off. I have called XXXX which has a foreign customer service call center and they have not corrected the problem with the information on how it is being reported.
Product: Credit reporting

XXXX- I would like for this XXXX ( XXXX ... ) account to be removed from my credit report. I have mailed several request for Equifax to do so. I have also called XXXX and they said to dispute directly with Equifax.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus transunion XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX Late Payment Account TBOM/MILESTONE XXXX Late Payment Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Off Account XXXX XXXX XXXX Charge off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX I XXXX Collection Account. 

I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done.

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 



Thank you for your attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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  has violated my rights.
Product: Credit reporting or other personal consumer reports

The presence of a bank loan on my credit report has come as a surprise to me, as I have no recollection of being involved with this particular lending institution. Moreover, I have never seen any collection agency associated with this bank. Given these circumstances, I am concerned that the presence of this loan on my credit report may be in error. 


I would like to request that the collection be removed from all three major credit bureaus, namely XXXX, XXXX, and XXXX. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

its been more than 30 days since I asked Experian to show me proof that the fraudulent account was mine, I asked for real original signature of mine that I signed to agree that debt was mine and I also asked to validate the debt. And all they send back to me is just my credit report and statements of the accounts. They were never able to prove to me that XXXX XXXX/XXXX XXXX account belongs to me.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX  Balance : {$500.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$500.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$500.00}
Product: Credit reporting or other personal consumer reports

I AM GOING TO TYPE THIS AND HOPEFULLY ALL PARTIES INVOLVED WILL UNDERSTAND THE SERIOUSNESS OF MY INTENTIONS THERE ARE BANKRUPTCY CASES ON MY CREDIT PROFILE THAT I HAVE SUBMITTED DOCUMENTS TO THE CREDIT REPORTING COMPANIES, BOTH MYSELF AND THIRD PARTIES, TO SHOW PROIF THIS IS NOT MY CASE. AND THE ONE THAT IS MY IS BEING REPORTED INCORRECTLY!

BUT INSTEAD OF TAKING THE TIME TO REVIEW MY INFORMATION AND VERY THE ACCURACY, THE CREDIT REPORTING AGENCY JUST STATED THRIR RULES FOR REPORTING BANKRUPTCIES TO CREDIT PROFILES!

I HAVE SENT PROOF FROM THE BANKRUPTCY COURTS THAT I DO NOT HAVE ANY RECENT BANKRUPTCIES. ALSO THAT XXXX  XXXX  CASE FROM OHIO WAS DISMISSED.

I DO NOT KNOW IF THE CREDIT REPORTING AGENCY, SPECIFICALLY EQUIFAX IS BEING VINDICTIVE OR RACIST. ALL I DO KNOW IS THAT I AM PREPARED TO GO TO COURT. 

THE LAWSUIT WILL BE AGAINST EQUIFAX, XXXX AND CONSUMER FINANCE.

THE LAST PROOF THAT I AM SUBMITTING TO YOU AND THE C
REDIT REPORTING AGENCIES IS THAT THE US BANKRUPTCY COURT HAS A INFORMATION TELEPHONE LINE WHERE YOU CAN CALL AND VERIFY BANKRUPTCY INFORMATION. THE NUMBER IS ( XXXX ) XXXX. THIS NUMBER IS ESTABLISHED BY THE GOVERNMENT! THIS INFORMATION LINE LIST ALL BANKRUPTCY INFORMATION! 
YOU HAVE MY INFORMATION AND ALL ACTIVITIES WILL BE VERIFIED. 

I AM GIVING YOU 30 DAYS TO FIX MY INFORMATION OR I WILL SEE YOU IN COURT! 

BANKRUPTCY IL 2021 XXXX XXXX - NOT MINE BANKRUPTCY OH XXXX XXXX - DISMISSED FOR PAPERWORK SINCERELY, XXXX XXXX
Product: Mortgage

I was sent an escrow refund check for XXXX USD in XXXX, apparently. It was sent to my old home address where I was living through XX/XX/XXXX. 

It didnt arrive. 

On XX/XX/XXXX I called and they resent it, this time to my new address. 

On XX/XX/XXXX it still hadnt arrived. I called back and was told it would be overnighted to me by courier. 

It wasnt. 

On XX/XX/XXXX I called and asked where the check was. I was told to wait another day. 

On XX/XX/XXXX I called and was told well they disconnected me mid conversation. 

I dont have the time to keep calling them. They owe me {$2500.00}. Please help