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

There are accounts and information on my credit report that is not accurate. 
They are unauthorized and show be removed from my credit report immediately. 

XXXX XXXX XXXX opened XXXX  2024 balance {$240.00}. This account was opened without my knowledge and should be removed. 

XXXX  XXXX inquiry on XXXX XXXX  2024. This inquiry was done without my consent please remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I HAVE SOMES ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. SOMEONE WAS USING MY NAME AND INFO FOR ACCOUNT THAT DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention! My Identity was stolen from me and my Social Security Number was compromised. It was also compromised in the Equifax data breach as well. I contacted my cousin who is a laywer and they stated that I should submit a complaint to the CFPB to ensure that the accounts listed on my Identity Theft Report be removed under the Fair Credit Reporting Act. The FTC report has been filed. I will attach it down below.
Product: Credit reporting

First let me be clear, I 'm I am not disputing that I own the account, I am disputing the amount owed reporting and the fact Equifax DOES NOT verify with the tradeline furnisher for each investigation. I am also building a on my case against Equifax ( see case XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Systems , LLC ) I Pulled my credit report this week and it only shows balance of {$620.00}. However I know for a fact that amount is not true. I have attached a screenshot showing that I paid an amount that cleared my account XX/XX/XXXX, therefore the amount showing as of today is incorrect and under FCRA this should be removed. This is the second time within a 30 day period this has happened. I have until XX/XX/XXXX to show cause as why I would like to proceed in continuing sue Equifax. This will be a reason why.
Product: Credit reporting or other personal consumer reports

Help me create a dispute letter using XXXX  civil liability for negligent compliance. XXXX account XXXX, XXXX XXXX account XXXX, XXXX account XXXX,
Product: Credit reporting, credit repair services, 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 : # Account Name : XXXX XXXXXXXX ACCT # XXXX Account Name : XXXX - XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX XXXX ACCT # XXXX AccountName : XXXX XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX XXXX  ACCT # XXXX Account Name : XXXX XXXXXXXX XXXX  ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX  ACCT # XXXX Account Name : XXXX XXXX  ACCT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On MondayXX/XX/XXXX I called Consumer Portfolio Services to make a payment arrangement for the past due amount on my auto loan. I explained the circumstances and was directed by representative to follow up with my account representative by Thursday. On Tuesday XX/XX/ I received several calls throughout the day and was able to answer a call in the evening from Consumer Portfolio Services. My account representative named XXXX spoke with me regarding my account and asked me to share with him why I had fallen behind and etc ... I expressed the situation again and my intentions to pay. After being placed on hold twice, I was transferred to someone named XXXX ext XXXX who basically had me repeat the same information over, XXXX spoke to me in a very demeaning and harassing tone. I asked to be transferred and then spoke with someone name d XXXX ext XXXX and then XXXX XXXX. I asked to file a formal complaint with XXXX. She said she would speak to XXXX regarding the incident. 
On Wednesday XX/XX/ I called Consumer Portfolio Services to make some changes to a  payment on my account. After speaking to the first representative, who verified my account information and then immediately said she wasnt authorized to handle my account, placed me on hold without further explanation, someone named XXXX came to the line asking me to verify account information with him, at that point I asked a general question and XXXX refused to answer the question and had a very smart tone with me. I asked to be transferred and the representative after him explained everything I needed to know. I have become anxious and irritated in my business dealings with Consumer Portfolio Services Representatives due to these experiences. I would like to file a formal complaint.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block Inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( cfpa ).

Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore there dispute 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: Bank account or service

On XXXX XXXX, XXXX, I requested that a check be issued to the order of XXXX XXXX, through my bank 's online bill payment system, in the amount of {$3700.00}, The bank duly issued check number XXXX. After three weeks XXXX XXXX informed me that she had not received the check. Upon investigation, I learned that the check had cleared the bank, but the payee line had been crudely amended to add the phrase " or XXXX XXXX ''. I reported this to the bank on XXXX XXXX, XXXX. Subsequently, XXXX XXXX submitted an affidavit to the banks stating that she had nor received nor cashed the check in question. The bank acknowledges receipt of this affidavit. In the intervening months, I have been in contact with the bank on a monthly basis with respect to this matter, each time requesting that the money be returned to my account. The bank 's customer service personnel repeatedly tell me that the matter is under investigation and that they can not / will not refund the money to me until their investigation has been completed. The bank 's customer service personnel will no longer return my calls. On XXXX XXXX, XXXX, I wrote to XXXX XXXX XXXX, the bank 's President and COO, reporting on this problem and requesting that he have it resolved. I have not had the courtesy of a reply.
Product: Credit card or prepaid card

My account was closed and I was put on a payment plan to pay off my balance - so I am forced to do everything over the phone because I do not have an online account. I need to update my payment method but every time I call, I get disconnected immediately. The rep either answers and says they are pulling up my info, then hangs up. Or it connects and there is silence until the call ends. Their inability to provide phone support is preventing me from paying my monthly bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in 2 written disputes XX/XX/XXXX, XX/XX/XXXX and countless phone calls. In my written disputes, I have asked for all non-account holding inquiries be removed due to no being authorized by me. I have attempted to contact the companies and each company has no account or information that matches my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  not reporting account sold and never reported in remarks.Inaccurate information.
Product: Credit card or prepaid card

Placed a charge on my Synchrony credit card ( about XXXX dollars ) with the agreement that I would have one year interest free to pay off the debt. Before the year was over, the company hit me with a XXXX $ interest fee and has given me several penalties for late payments. 
This company has never once sent me a statement and I have been locked out of my online account until now. 
The debt would have been paid off within the year without these excessive charges. 
The company is claiming they have the right to levy the interest charge and late payment fees due to a late payment. Yet, as I previously stated, this company has not sent me a single statement. 
On a side note, the ability of any creditor to charge 25 % interest should be criminal!
Product: Credit reporting or other personal consumer reports

I disputed information on my credit report over XXXX  months ( XXXX days ) ago and I have not received a response. The credit reporting agencies continue to report and house inaccurate information on my report and in turn has hurt my ability to obtain fair lines of credit. I am extremely stressed due to their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting a charged-off account where I am shown as an Authorized User on XXXX XXXX  - partial account number XXXX. ( Please see page 13 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX   however, Equifax and XXXX have not removed this from my report. I have contacted the ( 2 )  bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

I have neither claimed or denied the debt. I asked for verification and they claim they had mailed it out over a week ago. I have not received anything in the mail. Now they are calling my work office main line which is totally unacceptable since I told them they could reach me threw my cell. I have not received any new calls on my cell from this company and now I am taking legal action to get these calls to stop at work.
Product: Credit card

I was a victim of identity theft through a hiring scam on linked in The scammers got {$320.00} from my Credit account from explaining that I needed to purchase the work equipment headset and a phone upon realizing it was a scam. I reported it to XXXX XXXX Police Department I filled out the form on identity theft.gov. I also reported the situation to my credit card company, this was in XX/XX/year> since then there has been an investigation I received confirmation that the issue was resolved. However, shortly after my account was charged again for the same amount plus additional {$39.00} fee I have had to call every month to resubmit an investigation. And this repeats every month they send a letter saying its resolved and my account is credited but then its recharged the {$320.00} plus additional fees. I have tried over several months to resolve this with my credit card company only to find out that because of wording and time constraints, they will no longer help me with these charges which have now racked up to over {$300.00} over my credit limit and has done major damage to my credit
Product: Credit card or prepaid card

Someone is opening multiple accounts under my name fraudently. On XX/XX/2022 I received a letter from Chase that someone tried to open an Amazon XXXX XXXX signature account under my name. I know the address that they put on file because they have done this before with other accounts. They order clothes and electronics and get it shipped to their house. I want this to stop so what steps do i have to take in order to make it happen. I called the company Chase but they told me to make a report with you guys to get it investing. I have multiple police reports as well showing all the accounts they have opened.
Product: Checking or savings account

Company Bank of America froze my checking account Saturday XX/XX/XXXX without my permission. They are holding my unemployment deposits and have Frozen my account with no further information available. I have no access to my funds no access to my account and no access to any of my available information via the Internet. 
I need help getting my account unfrozen an getting my funds back ..they have no legal authorization to hold state unemployment funds rightfully belong to a citizen .i called unemployment an thy are aware of the problem. Please be advised ive had no resolution an no response from Bank of America. They have my unemployment funds frozen an can not legally hold state an government funds of a united States citizen. 
Need resolution ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were listed in my file without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXX  XXXX Balance : {$100000.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and 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 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 : DEPT OF ED/XXXX XXXX XXXX : {$130000.00} DEPT OF ED/XXXX XXXXXXXX XXXX : {$130000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus in question stated that my account was thoroughly and properly investigated although how is this possible with the date of last activity, High balance, Dated opened, and credit limit of the account was reported inaccurately. This is clear violation of my rights and is ground for removal. 

Inaccurately report on Account # XXXX 1. Date of last activity XXXX is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX. 
2. High Balance XXXX is reporting {$440.00}. XXXX is reporting {$0.00} and Equifax is reporting {$200.00}. 
3. Dated opened XXXX is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX 4.Credit limit XXXX is reporting {$230.00}. XXXX is reporting {$230.00} and Equifax is reporting {$0.00}. 

I have informed the bureaus that a consumer reporting agency can not furnish a account without written consent and instruction under 15 U. S. C. 1681 Section 604 A Section 2.

Also as a reminder I also have right to privacy which has been made Clear to bureaus under 15 U. S. C. 1681 Section 602A
Product: Student loan

I have been in public education for over 11 years and have had the correct consolidation process and correct payment plan all along to count toward PSLF. However, every year my serviced did not calculate my payments correctly, and during the process of correctly calculating the astronomical payments, they placed me on excessively long administrative forbearances. These not only further delayed my eligibility for loan forgiveness, but also accrued an astronomical amount of interest that capitalized to the principal balance. I have repeatedly asked for the process of filing complaints, whom I can speak with to resolve this issue, and how to generate a bill for those payment periods. I still have yet to receive a response. Anytime I call, I am old hold for hours and eventually request the callback. Never can get anyone on the phone. I sent the XXXX message to FedLoans and they said someone would reach out to me, but I have not received a response.
Product: Debt collection

CREDENCE RESOURCE MANAGE {$240.00} XX/XX/2023 THESE NOT MY ACCOUNT I HAVE NO KNOWLEAGE OF THESE ACCOUNT NOR DID I AUTHROIZE ANY ONE TO OPEN THESE ACCOUNT IN MY NAME. THESE CREDTORS ARE VOLIATES SO MANY OF MY RIGHTS AND I WILL LIKE THESES ITEAMS REMOVED OR I WILL HAVE TO SUE THESE COMPANIES FOR EXPOSING MY PERSONAL INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX XXXX XXXX account is reporting 30, DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting or other personal consumer reports

FCRA 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ) Creditors and furnishers of information must report accurate and complete information. Reporting a charge-off while simultaneously attempting to collect as an active account is misleading and constitutes inaccurate reporting.

FDCPA 807 ( 2 ) ( A ) ( 15 U.S.C. 1692e ( 2 ) ( A ) ) It is unlawful for a creditor or collector to misrepresent the legal status of a debt. If the debt was charged off, it should not continue to be reported as active collection by the original creditor.

FCRA 605 ( a ) ( 4 ) ( 15 U.S.C. 1681c ) A charge-off remains on a credit report for seven years from the date of first delinquency. However, the creditor can not continue to update the status as if it is currently past due when it has been charged off. 

These are the accounts being illegally reported XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) A debt collector must validate a debt within 30 days of my request before continuing collection. If they fail to do so, they can not legally collect on it.

FDCPA 808 ( 15 U.S.C. 1692f ) Prohibits unfair practices, including attempting to collect a debt that is not legally owed due to incorrect assignment, lack of validation, or expiration under the statute of limitations.

FDCPA 813 ( 15 U.S.C. 1692k ) I have the right to seek damages if a collector is unlawfully attempting to collect on a debt they have no legal right to. 

Below are the accounts from XXXX agencies being illegally reported. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

I had apply for the income base repayment plan and was approved fro this type of loans but this year XXXX XXXX XXXX took my refund with out even talking to me about how i want to repay the loan or when can i start making payment and i really do need my refund i am homeless and was counting on that refund to found some were to stay