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

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> The following inquiries were not and should not be reporting.

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.
Product: Credit card or prepaid card

I have returned the merchandise and stated categorically that I am not interested in any store credit but they keep bouncing me back and forth and after a year, they are not stating that there is no record that the merchandise was returned.
Product: Credit reporting, credit repair services, 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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have two collections on my account, one is for XXXX $ an the other is for XXXX , both collections Ive tried to dispute as well as Ive tried contacting the office about the collections on my credit and they were extremely rude, couldnt answer any questions and they eventually hung up on me. I tried to dispute these around the end of XXXX. 

I have no clue nor knowledge of every going any where near or talking to anyone from a XXXX XXXX XXXX. 

Id like to have them removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

As noted the CFPB is aware of the Capital One issue, and how I did not consent to the opening of the card and in essence was hoodwinked by the salesperson which is a violation of the UDAP, under both Federal and kansas state law, therefore none of the three credit reporting issues should be reporting the XXXX/XXXX XXXX XXXX account as its not accurate, its unfair and deceptive and illegal. THis and the inquiry on XXXX need to be removed. The tradeline must be removed from XXXX, Experian and XXXX.
Product: Credit reporting or other personal consumer reports

I have been Getting Hit with unwanted and unauthorized Hard Inquiries from a lot of companies I didn't authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my identity in the state of California, I have already reported the fraud to the state police, IRS, S.S., and the different credit companies. All new accounts are related to this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have never lived in California, much less have family in that state of the nation. All these last 25 years living in the city of XXXX, Florida.
Product: Credit card

Sears Credit card company adding late fee and different balance due amounts bill clearly different then the one customer receive.
Product: Credit reporting

I have attempted to dispute several accounts and inquiries on my credit report that do not belong to me with Experian since XXXX XXXX. I sent in my personal information such as my license with address on it. Not only did Experian not do any investigation on it, they sent me a notice stating that they thought this was a suspicious request and that they wanted me to call to identify myself. I went ahead and did what they asked. I called Experian and gave them all my identifying information as well as answered several of their security questions and after going through all of this I am asked what I want to dispute. I tell them about all the inquiries which are reporting on my report over the last 6 months and how they do not belong to me and I am wanting to dispute the validity of them. I am then told that they can not initiate any investigations on inquiries and that I would have to call the creditor myself .... 

I am no expert at laws but I have researched the F.C.R.A. and I know that they can not simply chose to ignore my investigation requests. I also am not happy that they are claiming they ca n't investigate inquiries or set them up for a dispute when I know they can. I feel that this is a form of discrimination because I am from XXXX and they are simply refusing to help me when this is something that I know they do on a daily basis for millions of other Americans. Please help me in getting Experian to do its job properly before I have to file a lawsuit against them for discrimination and their violation of F.C.R.A.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report. 

Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

Thank you for your attention to this issue. I look forward to your prompt response.
Product: Payday loan, title loan, or personal loan

Loan ID # XXXX Predatory practice during this current Govt Shutdown. Sells and markets to federal employees and it's business model is geared toward federal employees and will not assist nor work with loan holders during this government shutdown. Only offering to waive late payment fee. 

Kashable 's actions and response prove they are determined to ruin the credit of fedral employees with negative credit reporting during the Government Shutdown. 

Lenders across the USA are offering assistance by delaying negative credit reporting. But Kashable, who markets TO federal employees will not help in regards to preserving the credit profiles of its government customers.
Product: Checking or savings account

I had my tax refund deposited and chime has stolen my account they refuse to give me access to my account even after me providing proof that it was that they were rude and discriminatory over the phone and refuse to answer calls or emails upon research they are doing this to a lot of people with tax refunds and their paychecks saying we need to look into your account and then taking the money please help I just want access to my account
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, Wich violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to make Timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  XXXX  Account Number : XXXX and list of Inquiries. 


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

There are several inquiries on my credit report that I did not recognize, and I did not give these companies permissible purpose to pull my credit. I have disputed them directly with the credit bureau and have not gotten a satisfactory response. I have reach out to the companies listed as having made the inquiry and they stated they would not be able to help me since I do not have an account with them. These listed inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. 
never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 



Below are the inquiries in question. 


XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX. XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Mortgage

I was pre-approved for a loan on XX/XX/XXXX. This has been a most frustrating experience as it is now XX/XX/XXXX and we still are not closed. So far 5 months in and i have spent {$2300.00} out of pocket for nothing. I feel that I was mislead from the beginning and through the entire process. Now I've spent alot of money with the promise of a lower interest rate and payment. In the end I have endured more debt through the process, and my credit score has been adversely affected. This has been extremely emotionally overwhelming especially during the pandemic! 

See attached emails for details. 

XX/XX/XXXX ~ Pre-approved for a refinance with my existing company ; 30 year fixed@ 3.125 % payments ~ {$1000.00} with XXXX $ XXXX at closing ; closing to occur within 60 days XX/XX/XXXX ~ Agreed to move forward paid {$500.00} for appraisal fee. 
XX/XX/XXXX ~ Appraisal occurred XX/XX/XXXX ~ Notified that appraisal met value at $ XXXX XX/XX/XXXX ~ Notified that loan is approved with conditions ; tried to get clarification on conditions but loan officer said not to contact him ; only contact processor XX/XX/XXXX ~ Handrails installed ( paid {$350.00} out of pocket ) and engineer cert report ( paid {$650.00} out of pocket for this ) obtained to meet conditions XX/XX/XXXX ~ Notified by appraiser that handrails needed to be installed around perimeter of front and back porches, not just stairs ; attempted to clarify this with processor on XX/XX/XXXX ; now have to schedule more repairs XX/XX/XXXX XXXX Received closing disclosure with huge discrepancy in numbers and terms. Reached out for explanation and was not given one. Did not sign document due to discrepancy. ( see email ) XX/XX/XXXX ~ Handrails completed ( paid {$1500.00} out of pocket ) XX/XX/XXXX ~ File back to underwriting and they discover issue with name on taxes. This has been my mortgage company for nearly 4 years now and they are just now discovering that there is a clouded title. This might lead to bigger issues with my county taxes. 

From this point forward to present I have been battling them on rates and terms that are completely different that the original offer by almost $ XXXX difference. Sales team keeps putting my file in suspense. Finally went back to underwriting over a week ago. I was notified today that now they want to do another appraisal. I feel that their practices have been extremely unethical and have cost me a lot. A possible resolution to this would be for them to reimburse the money I have spent in this process.
Product: Credit card

During mid XXXX I received a credit card and bill statement from Home Depot. I never opened a credit card account with Home Depot. The bill statement showed that someone made charges to the account for {$1500.00}. On the bill statement showed that {$860.00} was spent on hardware and {$640.00} on hardware as well. Stated on the bill shows that the purchase was made on XX/XX/year>. When I seen the bill statement, I called XXXX on XX/XX/year> to make a claim or fraudulent activity on an account I never authorized to be opened. A claim was created and is now being looked into. After getting off the home with transunion, I proceeded to call Home Depot to say that I never opened the account nor used it and that the account was fraudulent. They proceeded to close the account and replied that they are going to look into the matter. After that I contacted my local police department and made an identity theft claim. The officer that was in charge of my case was officer XXXX XXXX and I told him all about the situation I had at hand. He proceeded to start the case with the information I provided and gave me a case number, # XXXX.
Product: Checking or savings account

I attempted to buy XXXX XXXX tickets on XX/XX/XXXX through a company called XXXX for XXXX I never received my tickets for the game. I filed a claim with my bank which is Bank of America, claim number is XXXX. I sent to them all of my documentation of the transaction from begining to end. I waited the full 90 days for them to investigate. I spoke with them yesterday on XX/XX/XXXX and they told me there's is nothing they could do for me and I just lost my funds. What good is it having a cliams department that is not on your side. I never could get with anywhere with the merchant and I never got my tickets and the game was XXXX I feel scammed and used by the merchant and my bank. The claims department phone number is XXXX ... what can you guys do for me, thanks in advance. I have been a valued customer of BOA for years, I don't understand.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to purchase tickets from a seller on XXXX. He provided his phone number and email address for the ticket purchase. Once I sent the payment he deactivated his XXXX account and his phone number provided ( it was a XXXX XXXX XXXX ). The name he provided for me was XXXX XXXX but once I sent the money via Zelle it stated his name was actually XXXX XXXX. I never received the tickets promised. I did contact my bank to try to stop the payment but all they did was file a report.
Product: Credit reporting or other personal consumer reports

I appreciate the attention given to removing some fraudulent items from my file purportedly stemming from fraudulent activity. However, there are still outstanding items requiring removal. As a victim of fraudulent activity, I reiterate my request for the removal of these items from my credit file, as mandated by FCRA 605B ( 15 U.S.C. 1681c-2 ), not later than XXXX business days after XX/XX/XXXX. I have previously addressed this matter in both the FTC report and letter, and I am resubmitting it here alongside the new FTC report, numbered # XXXX. Additionally, some of the information provided on certain items is unfamiliar to me and has been expunged from other bureaus, casting doubt on its accuracy. This correspondence serves as notification that failure to remove the listed items from my report may result in legal action. I have informed my legal counsel of my intentions, and they are prepared to take appropriate action should there be willful noncompliance. Please find below the listed items per bureaus that require removal : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Please note that you have XXXX business days to remove the reporting of any items in my credit file resulting from alleged fraudulent activity. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Subject : Dispute of Inaccurate Information per 15 USC 6802 & 15 USC 1681-c-2 Dear Consumer Relations Department, I hope this letter finds you well. I am writing to formally dispute certain information contained in my consumer report as provided by your company. According to the provisions of 15 USC 6802 and 15 USC 1681-c-2, I have the right to request the accuracy and validity of the information being reported about me. I recently obtained a copy of my consumer report from your agency and found some inaccuracies that require your immediate attention. The discrepancies pertain to the following items : PROGRESSIVE : Account # {$530.00} This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications. These inaccuracies have the potential to adversely impact my creditworthiness and financial standing, which is why I request your immediate attention to rectify these errors. Per the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), it is the legal obligation of consumer reporting agencies to conduct a reasonable investigation upon receiving a dispute regarding the accuracy of information in a consumer report. I hereby request that you initiate a thorough investigation into the disputed items mentioned above. During your investigation, I kindly request that you verify the accuracy of the disputed information with the original creditor or data furnisher. Promptly update my consumer report with the correct and accurate information. Provide me with a written statement of the investigation results and any changes made to my consumer report. Please be aware that as of the date of this letter, it has been 65 days since my last letter, and I have not received any response from your agency regarding the investigation. This lack of response is in violation of the FCRA, which requires consumer reporting agencies to respond to disputes within 30 days. As such, I urge you to expedite the investigation and provide me with the results as soon as possible. Failure to comply with the FCRA 's timeline for investigating disputes may result in legal action. I have enclosed copies of relevant documents that support my claim. Additionally, I request that you inform all parties that have received my consumer report within the past [ number of months ] about the corrections made as a result of this investigation. I expect your prompt attention to this matter to ensure the accuracy of my consumer report. Your cooperation in this dispute is greatly appreciated, and I trust that you will handle this matter with the utmost professionalism and expediency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Four years now Equifax has failed to report accurate payment information from the Department of Child support services. I realize they are not involved in the case and could take into account XXXX credits but these accounts closed it paid off in addition they have been closed by the mother more than a year and a half ago. I have paid the entire balance and continue to pay three times the allotted amount of child support to the mother, I have been the current custodial parent since XX/XX/2013 And Equifaxa negligence has For the past five years caused us as a family the worst amount of emotional distress you could ever imagine and its now odviously intentional. Theyre reporting does not match up with other bureaus is far off and makes me look like one of the largest their lips thats preventing me from getting the job to provide for my current XXXX XXXX, the XXXX XXXX XXXX and the XXXX XXXX I have.