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

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX {$800.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX XXXX {$3700.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) XXXX XXXX {$980.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) XXXX XXXX {$980.00} XXXX : XXXX RIVER XXXX XXXX XXXX APT XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX Balance {$800.00} XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX Balance {$3700.00}
Product: Payday loan, title loan, personal loan, or advance loan

This company sold this loan after telling me they would wait several months until I had a settlement come in, then they never told me they sold the loan to a company called XXXX XXXX. 
XXXX XXXX just placed the debt on all my credit bureaus with zero notification or a chance to confirm or deny this loan, this caused another creditor to disqualify me for a loan that would have paid the balance off in full! 
When I contacted XXXX XXXX they have no idea they violated my rights or my rights under the ADA. 
I was told they would remove there entry on my credit files as well as Oportuns entry. 


Oportun has closed this account and stated it was 100 % paid in full. But then states several negative things that hurt my credit and overshadow any positive results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. In addition, this account is over ( 7 ) years old and should not be reporting at all. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I just looked at my credit report and noticed some hard inquiries don't have permissible purposes according to the Fair Credit Act. Anything furnished on my credit report must permissible purposes according to 15 USC 1681 B. Here is a list of all the hard inquiries : XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the XXXX XXXX, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX - The date of last activity is inaccurate. Furthermore, i have never been contacted by this company about the debt they claim i owe. 
XXXX XXXX - I do n't remember having a charge-off. This account shows a balance as well. 
XXXX XXXX XXXX This account is reporting inaccurate. 
XXXX XXXX XXXXXXXX - I have never done business with no have i been contacted by this company. 
XXXX. XXXX ( multiply accounts ) I have never gave this company permission to my medical information. How they have my information is clearly against my Hippa rights. I would like a medical release form bearing my signature or remove these accounts at once. 
XXXX. XXXX XXXX XXXX This balance and date of last activity is incorrect. 
XXXX. XXXX XXXX XXXX XXXX multiple accounts ) My loans have been consolidated and refinanced. I am not sure how this company is constantly flagging my accounts as late and negative. Please remove these accounts. 

Please get back to me. If, for some reason, you feel that you will not process my dispute after I have provided you sufficient proof of my identity, then I have no choice but to file a complaint with the XXXX, CFPB and attorney generals office.
Product: Credit card or prepaid card

The XXXX XXXXXXXX XXXX  card was bought out by XXXX XXXX XXXX I have never been behind on payments with XXXX  XXXX. The transition to Goldman Sacs was a utter mess. I called to make my payment on the phone for the first time with Goldman Sacs and the automated phone says there is a 1 hour wait to speak to a customer service rep. This was on XX/XX/XXXX. Nonetheless, it states on the automated line that cardholders have thru the XXXX of XXXX to make a payment to avoid late charges. I called again everyday thru XX/XX/XXXX. It states on the automated site to go to the Goldman Sacs web site or wait a hour to make a payment. All of the info they had for my banking had been deleted. Therefore I had to go online to make a payment or wait a hour. It also states on the automated phone line that there would not be a problem with using the card. On XX/XX/2022, I was at the store getting my prescriptions, and the transaction was declined. I tried again and it was declined. I am not behind, I have never been behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending my complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 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 and regulation XXXX these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint submitted on the Experian. The first complaint was closed and the company stated that they need my authorization to proceed with the complaint. I called experian today to give them authorization and was told that the entire complaint had been closed and that the Experian representative stated that there was nothing she could do on her end to " authorize the complaint ''. I really feel like this company used the am also documented all of these issues Im having with getting Experian to investigate violations on my credit report! 
Experian 's response " We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. '' I now give experian verbal as well as written authorization to proceed with my complaint. I have also provided my drivers license, social security card, and utility bill to help prove my identity. Please proceed with this complaint as I requested. 
XXXX XXXX XXXX Original Complaint : I have reach out to Experian 3 times within the last 35 days trying to submit a dispute via phone, mail, and online. So far none of the dispute methods have worked and none of the accounts are showing in dispute. I sent my first letter to experian on XX/XX/2021 requesting the re-investigation of two accounts that experian claimed to have investigated for inaccuracies and verified as accurate. I also submitted new evidence which shows that inaccuracies on that are still reporting despite experian verifying these accounts as accurate. If these accounts were verified by Experian or the creditors then it is clear that both parties are providing misleading and false reporting and have failed to ensure complete accuracy of the information that is being furnished on my credit report. I'm requesting the removal of the the XXXX account # XXXX and the XXXX XXXX Account # XXXX because I notified Experian several times that these accounts continue to show late payments after the accounts were closed and or charged off. This is a violation and creates a misleading payment history on my credit report. I'm also requesting that the late payment for my XXXX XXXX XXXX XXXX account # XXXX be updated to paid on time for the month of XX/XX/2021 because I have always paid this account on time and as agreed
Product: Mortgage

Mr Cooper is not expecting my homeowners insurance saying it does not recognize the company rating. When asked what company is accept per the policy they say I have to ask before buying coverage who I'm allowed to get insurance through. Which is not fair what am I supposed to do call everytime and wait to get an answer The company they are denying is California casualty in which I get my auto insurance through and want to use for multiplicity discount. My old mortgage lender accepted this company before selling my mortgage to Mr Cooper I didn't give Mr Cooper the permission to buy my mortgage so why should they give me the permission on who I can use for insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been under contract with either of the companies and they keep reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded. Ive reached out to all companies with zero response and everytime its disputed off of my credit history it reappears. 


XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX, Florida Afni - XXXX XXXX XXXXXXXX XXXX XXXX, Illinois XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX **SS # : XXXX *Date of Birth : XX/XX/year> Dear Sir or Madam, I am writing to formally dispute the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : ACCOUNTs XXXX ( CLOSED ) # XXXX XXXX {$5100.00} XXXX ( CLOSED ) # XXXX XXXX {$9100.00} XXXX ( CLOSED ) # XXXX XXXX {$3100.00} XXXX ( CLOSED ) #. XXXX XXXX {$5700.00} XXXX ( CLOSED ) # XXXX XXXX {$7100.00} I believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/2018 I was defrauded and scammed into depositing {$1000.00} is dollars using XXXX quick pay from my CHASE account to a XXXX XXXX XXXXXXXX account. Im currently working with law enforcement in XXXX XXXX XXXXXXXX where I live and with law enforcement in XXXX, Florida where the account holder of XXXX  XXXX XXXX lives. I mmediately contacted both banks within minutes of transferring the funds. CHASE at the time of my claim only gave me the option to submit a claim and all I can do is wait. Its now been 6 days and CHASE has not contacted me.
Product: Checking or savings account

I received an offer from my Citi AAdvantage card to earn XXXX bonus miles by opening a savings account with Citibank and depositing at least {$10000.00} ( other requirements regarding keeping the money for 60 days, etc ). I am unable to open the savings account online or with a personal banker. Apparently, my card is linked to an account I closed a long time ago and that is causing the issue. 

I have called customer service multiple times on both the credit card side and on the banking side ( however, I didnt take notes until recently ). Both departments say that my banking account has been unlinked but the problem continues. On XX/XX/22 I spoke to a XXXX who was great ( worked on it a long time and called me back ) but was unable to fix. Then I spoke to XXXX # XXXX on the credit card side who was obviously frustrated with me. Then I spoke to XXXX ( a supervisor ) and admittedly raised my voice but I was not cursing or being rude and he transferred me without telling to the technical department. That woman said she would send me a new link for the offer which was not done. She also transferred me without telling me to a personal banker. 

On XX/XX/22 I called technical support again and a woman immediately transferred me to banking. I called again and a nice man, XXXX, tried to help me but again he had to refer me to the banking department. XXXX picked up the phone there and transferred me. I first got one female personal banker who was unable to find my offer so she transferred me to another personal banker. This one, XXXX, know exactly what I was talking about she had seen this before but she didnt have a solution. Supposedly she will email someone to send me a new offer link but I have not idea if that will even work. So here I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commenity Card Services have not reported to the credit bureaus in 3 months. 
I have XXXX XXXX XXXX, XXXX XXXX and Commenity have not reported any of my payments to the credit bureau. I have reached out to the company several times and was told they will update
Product: Checking or savings account

In XX/XX/year>, Navy Federal Credit Union unexpectedly closed my account following an incident of fraud that I had no control over. An unknown individual hacked into my account and deposited a fraudulent check, which Navy Federal then reversed, leaving my account with a negative balance of - {$1400.00}. Without conducting a thorough investigation or providing clear information about the situation, Navy Federal took all remaining funds from my account to cover this negative balance.

When I reached out to Navy Federal for help and clarification, their representatives were unhelpful and, in some cases, rude, repeatedly implying that I was at fault for the fraudulent activity. I felt blamed rather than supported, and despite my attempts to explain my situation and seek answers, I was given little to no assistance.

I believe Navy Federal handled this incident unfairly by closing my account without due process, taking funds without explanation, and failing to assist or communicate properly during a distressing time. I am seeking a review of my case and fair treatment in the resolution of this issue, including any possible reimbursement of my lost funds.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a These fraudulent accounts consist of personal credit card account opened XXXX   XXXX opened on XXXX in the amount of {$540.00}, XXXX XXXX opened on XXXX in the amount of {$3500.00}, XXXX XXXX opened XXXX under account XXXX in the amount of {$1000.00}, XXXX XXXX opened on XXXX in the amount of XXXX, XXXX XXXX opened XXXX in theamount of {$4000.00}. A car loan at XXXX XXXX opened XXXX XXXX in the amount of XXXX. A loan at XXXX opened XXXX in the amount of XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I have XXXX and check my credit report monthly. I saw that I had an item sent to collections for a XXXX account that was opened on XXXX XXXX, 2015 it has been sent to collections in the amount of {$500.00}. I have a current XXXX phone account that I have had for over 10 years so there is no reason why this should be on my account. I contacted XXXX and they said my account is up to date. I suspect this could be identity theft and someone else has opened up an account using my information and I want to dispute this item on my credit report.
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. 

XXXX XXXX XXXX XXXX XXXXXXXX -Date opened XX/XX/year> - BALANCE {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of  2016  I  XXXX   XXXX  notified  XXXX , TRANSUNION, and   XXXX   they are reporting inaccurate information about me. This notification was sent via United States Postal Service. Despite being properly notified and having documentation presented to support my claims.  XXXX ,  XXXX , &  XXXX  refuses to perform proper investigation and remove the inaccurate accounts from my credit report in which companies have admitted they have no record of the account or are debt collectors.
Product: Debt collection

On XX/XX/2023 I notice that I was a victim Identity theft. I filed a identity theft report. The original creditor found that I Was Not liable for the debt and erase the debt from ALL OF my credit reports. Some how this collection agency is trying to collect on a debt that is a result of identity theft. I ask this company XXXX XXXX XXXX for a PURCHASE AGREEMENT to validate this debt they claim I owe! This company refused to provide me with a PURCHASE AGREEMENT because it is IMPOSSIBLE for this company to provide me with on because I am a victim of identity theft and this debt is not valid. This collection agency has acted in bad faith. I sent this collection agency one last dispute letter asking them once again for the PURCHASE AGREEMENT so they can validate this debt! However this is impossible because this debt is a result of identity theft as stated on my consumer report.
Product: Credit reporting or other personal consumer reports

Some of the information was incorrect the company sold my information to a debt collector. I recieved numerous phone calls from debt collectors. From the fcra I know its illegal to do so. So I want it removed from my report