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

I have been disputing this debt on my credit report because XXXX XXXX and XXXX XXXX XXXX XXXX, and XXXX XXXX, which I have submitted court documents and pictures, have reported the incorrect information to the Credit Bureaus. Under the FCRA, it states that if any of the consumer 's information in not 100 % accurate, then by law the credit bureaus are under obligation to investigate it and remove that item ( s ) from that consumer credit file. I have disputed this for over 3 years, with no success. I have submitted documentation to the credit bureaus from the creditors stating my position and they still will not remove these items from my credit file. On XX/XX/2018, I sent in documentation, then again on XX/XX/2018. I have just recently sent more documentation in around XX/XX/2018. The only results I am getting is the items are being updated on my credit file. I have received correspondence from the creditors saying that they have no identifiable information in their system on me. I have even called the creditors and was not able to speak anyone and I also left messages, but received no return calls.
Product: Credit card or prepaid card

I signed up for this Gold Delta Skymiles card in XX/XX/2018. It offered XXXX miles after spending {$3000.00} and a {$50.00} statement credit after my first Delta purchase. I didn't receive the bonus miles or that statement credit because American Express said I had held the card before. The terms of the offer never mentioned that I would be ineligible for the offer because I had the card before.
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 ). 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 proce 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, Seeking proper readdress
Product: Credit reporting

I have been disputing with Tranunion for a while now and this is my last resort. I have XXXX items on my report from XXXX XXXX and XXXX of them is a duplicate. This is obvious. 
XXXX XXXX # XXXX NEW INFORMATION XXXX XXXX # XXXX NEW INFORMATION XXXX XXXX # XXXX NEW INFORMATION Please remove this erroneous information.
Product: Credit reporting or other personal consumer reports

I need to clarification as to why the credit bureau Experian, XXXX and XXXX XXXX is reporting certain information on my credit report. Please review the following : Account Name : XXXX XXXX XXXX Account # ending in XXXX Your are reporting this account as open yet you also are reporting a monthly payment and Ive been sent to XXXX XXXX XXXX as a changed off debt collector. Delete this account immediately due to the inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$280.00} XXXX XXXX : {$360.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

In previous debt dispute letters, I have requested not to called and only to be contacted through mail. I've had to block their numbers they use to harass people.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I've marked inaccurate : DEPT OF EDUCATIONXXXX and US DEPT OF EDXXXX
Product: Debt collection

XX/XX/18 : Certified letter was mailed to collection reporting agency, and delivered on XX/XX/18. 
The letter is a formal dispute of debt and written validation of debt was requested. 

XX/XX/18 : XXXX XXXX, LVNV funding LLC representative confirmed letter was received and filed on XX/XX/18, documentation was requested. 
Represented stated this account didn't have to be flagged as being disputed. 

To date, none of the credit bureaus have been notified of a debt dispute or investigation.
Product: Checking or savings account

On XX/XX/XXXX Chime closed my checking, savings, and credit builder accounts without notice or my authorization. I havent had access to my accounts or the money in them since. I called Chime customer support on XX/XX/XXXX shortly after it happened and couldnt get through to anyone. I sent emails to both XXXX and XXXX and have received no information on why my accounts were closed and how long it will take me to regain access to my money. I called Chime again on XX/XX/XXXX and got ahold of a Chime representative who instructed me to email two forms of ID and a bank statement from my other bank to XXXX which I did the same day. Chime has not gotten back to me with a case number or to let me know theyre looking into why Im locked out of my accounts or anything. There has still been no correspondence from Chime. This morning XX/XX/XXXX I sent XXXX a follow up email requesting a case number and estimation as to when Ill regain access to my funds. I still have heard nothing back from them. They have a lot of my money locked away from me and Im currently XXXX so its extra scary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

Withdrew money in checking account down to {$100.00} and saving account down to XXXX dollar. I had deposited this money to pay my mortgage. Now I cant pay my mortgage. From my understanding since it is credit card debt Wells Fargo has violated The Federal Reserve Boards Regulation Z, Section 226.12 ( d ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for credit and pulled my entire report and noticed inquiries that I didnt authorize nor recognized. I called the company before trying to get the problem resolved with Experian and unable to get any type of resolution. The companies couldnt give me any information regarding the inquiries. I have recently purchase the credit lock upgrade to lock my credit from future inquiries. Please take a look and remove the inquiries that wasnt authorized nor did I give permission to the companies to pull my credit. XXXX thanks for your prompt response and action. Also I also have a fraud alert on my account. 

- XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts in my file listed below : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXXXXXX XXXXXXXX ) XXXX Balance : {$3300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$990.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I keep getting different calls from debt collectors saying I owe private student loans but I thought I paid those off and now I got a letter saying my IDENTITY WAS STOLEN!

Please help me get these off my credit report.

Someone said that if they don't have the fake loan paperwork then it has to come off my credit?

Also, my dad co-signed and he is a retired XXXX  veteran with a XXXX XXXX XXXX XXXX  rating from the VA. We've have copies of his medical records from his VA doctor 's and i've spoken to local District Attorneys that say all loans taken out before XXXX XXXX XXXX XXXX  awards are to be DISCHARGED from his credit report forever. he has no XXXX XXXX to do anything, let alone manage student loan payments. I have a copy from the Veterans Administration.

What should I do to get this resolved?

Thank you so much, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS FINAL DOCUMENT SHOULD HOPEFULLY AND FINALLY RESOLVE THIs ISSUE. THIS IS NOT A DUPLICATE COMPLAINT. I have an account that is being incorrectly reported on by XXXX and Experian. XXXX has finally corrected the issue on their end. Account number XXXX through XXXX XXXX XXXX ( originally through XXXX ) should be reported as Paid in XXXX and Closed as of XX/XX/2016. XXXX is incorrectly still displaying this item as open. Experian is displaying this item as in Collections as recently as XXXX of this year. It needs to reflect that it has been paid in XXXX   and closed since XX/XX/2016. I have included a correspondence with XXXX XXXX XXXX explicitly indicating the correct status and Paid In XXXX  and Closed and also the Date which the account was closed XX/XX/2016.
Product: Debt collection

I was sent a summons XX/XX/XXXX  to which I responded promptly askin to send me proof of the purchase agreement to verify that this debt is mine. 
I received statements with all accounts painted over with black marker and the last four of the account number. 
I responded in a timely manner and requested the purchase agreement I received the statements again about the credit card and the rules and regulations. 
Nowhere to see how this can be mine having my signature on the documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX  XXXX Balance : {$6900.00} ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX  XXXX Balance : {$36.00} ; XXXX XXXX XXXX XXXX XXXX {$8600.00} ; XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX
Product: Credit reporting or other personal consumer reports

The late payments on my credit reports should not be showing. I asked for assistance with a hardship and explained that I had XXXX  during the time the payments are showing late. I have never been late and would like Capital One to remove the late payment status on all three credit reports.
Product: Credit card or prepaid card

Here is a copy of the email I received XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX, Utah XXXX  XXXX, Thank you for applying for a XXXX issued credit card through www.avant.com or another third party provider on XX/XX/2022. Your application has been closed and we can not issue you a card at this time. 

Avant branded credit products are issued by XXXX, so you may see a new inquiry from these institutions on your credit report. 

If you would like a statement of specific reasons why we were not able to issue a credit card to you, please contact the application review manager at the address or email shown below within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request. 

XXXX c/o Avant Attn : Customer Support - Card Application XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Information Obtained from Third Parties Additionally, our credit decision may have been based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information. 


Sincerely, XXXX, XXXX XXXX XXXX, Utah NOTICES : FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is : FDIC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. 


XXXX*This also showed up on my credit reports. I never applied for this credit card. I emailed Avant and was directed to email you. Now what?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Equifax and XXXX with respect to XXXX  Acct # XXXX has violated my rights! All three bureaus have completed reinvestigations upon my request : XXXX XX/XX/XXXX ( pg XXXX - XXXX of attached document ) Equifax XX/XX/XXXX ( pg XXXX - XXXX of attached document ) Experian XX/XX/XXXX ( pg XXXX of attached document ) and stated that the XXXX Account is being reported as accurate. 

How is that possible when ALL of the following items are STILL NOT 100 % accurate : Account numbers, Account Status, Date Opened, No. of Months, Last Reported, Date last Active, Date of Last payment and 24 months of payment history ( pg XXXX of attached document )! Equifax is marking the account payment history as OK for the last two years when the account was closed in XXXX! XXXX inaccuracies total! All of the above is grounds for removal! 

15 U.S.C. 1679c : states Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : states If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.

They also violated my rights under : 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 : also states a consumer reporting agency can not furnish an account without my written instructions. 

I have done my best to look responsible to all my lenders. However, this situation has significantly lowered my credit scores to Fair levels, placed me in a position to be charged extremely high interest rates and jeopardized my families ability to acquire a mortgage. A Fair credit score resulted in my family paying {$12000.00} ( 17.5 % interest rate ) dollars in interest on a five year personal loan and over {$6500.00} ( 16.5 % interest rate ) on a 5 year auto loan. If the credit bureaus abided by the law and removed the account, my interest rates would reduce to 5.99 % on personal loan and 6.65 % on the auto loan saving my family {$10000.00} on just those purchases alone! 

The Credit Bureaus and XXXX have NOT worked together properly and in accordance with the law to help me. I thought being a XXXX service member overseas ( pg XXXX - XXXX of attached document ) meant something to these companies! I was hoping that they would be understanding and take care of us. However, all I see is when service members are out protecting XXXX 's XXXX  XXXX, Equifax, XXXX and XXXX are NOT looking to uphold our freedoms!
Product: Credit reporting or other personal consumer reports

My information has been breached and I want to file a data breach complaint against this company
Product: Credit reporting, credit repair services, or other personal consumer reports

On theee occasions by certified mail I requested u see 606 that I be provided with proof and method of verification on several accounts because these accounts were verified with NO investigation no information was corrected or changed even the status date was years before the dispute. Further, they provided no proof of method of verification. They lied about verifying information andrefused to delete after missing the 15 day deadline. The rules say that they must delete accounts they do not provide proof of verification and they refused and ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out Multiple Letters to remove Fraudulent inquiries off of my credit report I have sent letters to both the creditors and Credit Buerros and these inquiries are fraudulent I then next contacted Transunion and XXXX  which I was violated my right under the FCRA by not helping me out denying me to even be transformed telling me that they can't do anything else wouldn't transfer me over to a manager or fraud department I was working with people that couldn't help me then I got transferred and my account was locked or Transunion but the funny thing is that I was just talking to the dispute department and she got angry when I asked to transferred and locked my account then when I asked to speak to a manager he was able to view it. Then He told me that they will send a letter even though I have sent multiple letters and I did it in a 30-day time frame so and they never answered me so now they must be taken off but still haven't taken them off. XXXX I have had multiple fraudulent inquiries and when I call them they have said almost the same thing but they had an update to their system so they couldn't update help which also violated me under the FCRA and I have been locked of my account for months and every time I call they can't seem to fix and say someone will call but no one has ever called so now it is time for them to take these inquiries off for never helping me get them off and they are fraudulent I have written multiple letters to them no reply. I have filed police reports and done everything they have asked me. XXXX has also never given me a report of my file and has violated that act in the FCRA. Both of them have not let me dispute inaccurate info. XXXX has also not given me a security freeze.
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning issue regarding my credit report. Upon careful review, I have identified this instances of late payments that is inaccurately recorded on my credit history and I would like to dispute this erroneous information. This detail require your attention : XXXX XXXXXXXX I strongly believe there is an error in the reporting of this late payment, as I have consistently made timely payments for the mentioned account. I also called the banks and they said they would correct and update the account. I kindly request your assistance in investigating this matter and, if warranted, correcting the information on my credit report. 

I am fully aware of the significance of accurate credit reporting and am dedicated to upholding a positive credit history. Hence, I would appreciate your prompt action on this matter. If necessary, I am prepared to provide any supporting documentation to validate my payment history.