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

Account : XXXX XXXX 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. You are in violation of this because Im a victim of identity theft. Please remove items immediately!!!

These items should not be furnished on my consumer report as theyre in violation!!! Under 15 U.S. code 1681b- permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in the accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY!!!
Product: Credit reporting or other personal consumer reports

I never open any credit card on my name. Never I request a credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

TransUnionXX/XX/XXXX
Product: Debt collection

First off I should be suing XXXX because who lets a XXXX yr. old upgrade a phone without their parents consent? I had already paid the first one off & Im still walking around with a XXXX  myself. They didnt have my permission nor my signature for him to trade in phones, switch yo an upgrade, or however it works. I was y present not notified til the bill came in the mail. I was recently laid off from work & months prior to my layoff I was out with XXXX back to back so I know everything was done without my consent because I wouldnt have agreed to it or signed for knowing the situation im in & knowing I wouldnt be able to pay for it
Product: Credit reporting, credit repair services, or other personal consumer reports

sent certified letters out to : 1XXXX 2.TransUnion 3. And XXXX. Telling them I never lived at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX ). XXXX is the only bureau that checked their sources and depleted it off their report records. To this day, XXXX & Transunion has not. I think I may still have a copy of those letters. I have one more place I can check tomorrow If not I will go ahead with the following. Please find enclosed downloads which I investigated showing that this address is a business address and not a residential address. 

ATTACHMENTS XXXX ( XXXX MB ) XXXX ( XXXX MB ) XXXX ( XXXX MB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) XXXX ( XXXX KB ) XXXX ( XXXX MB ) View full complaint
Product: Credit reporting or other personal consumer reports

This morning, I noticed that incorrect accounts had appeared on my credit report, and I have no idea how they got there. As part of my routine, I checked my report, but this time, I found unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the inaccurate accounts remained. Due to this issue, I request that the documents I submitted be carefully reviewed so that I wont have to deal with this concern again.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX XXXX XXXX in Account Number : [ XXXX ] Date of Charge Off : XXXX Amount : [ XXXX ] I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law.
Product: Consumer Loan

Plain and simple my car was totaled in an accident XX/XX/2016. My insurance paid off the car and I had gap insurance just in case I ever needed it. Capital One Auto Finance added late fees and other finance charges and stated I now owe an additional XXXX and they are reporting to the credit bureaus as an open account. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Found bank, which is not really a bank, to find out for small businesses allow someone to make nine transactions on my account sending money to a whole Nother country using it in a whole Nother state nine different transactions. They did not stop them. They did not notify me. I had to find out after walking out of a hurricane, I put complaints. They said it takes 10 days but Ive already denied half of them. If you look on the XXXX XXXX XXXX  this is what they do. These people are selling peoples information to scammers. They are part of the XXXX trafficking.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, For the past 8 months I have been reaching out to all three credit bureaus about a credit cards inaccuracies on my account. According to my credit report, my credit card ending XXXX from XXXX XXXX XXXX XXXX, is closed. However, I am currently using the card and it is not closed. I have had this credit card for five years now and this is a huge reflection on my credit score.

I need this account to be reported accurately ( Opened ). I have also reached out to XXXX XXXX XXXX XXXX and they have also reached out to the bureaus but I see no change on my end.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed XXXX XXXX  Account XXXX bank with Trans Union due to fraudulent inaccurate information reporting. Between XX/XX/year> to XX/XX/year> XXXX XXXX XXXX was deleted. On XX/XX/year> XXXX XXXX was added back to my credit report. According to the FCRA Reinsertion law 1681 I & subsection 5 if any information is deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Product: Credit reporting or other personal consumer reports

The Information XX/XX/XXXX First Transaction I did my Payments and Show like Charge off Is not accurate Pay OFF in XXXX XXXX & XXXX No Report Because This account was removed in Both Credit Bureau, so It have more than 7 years ACT Fair Credit Please Double Checks on my Payments OK and Remove a Negative mark On my credit Report
Product: Debt collection

Notice it is a fact, According to my consumer credit profile on XX/XX/, ZION DEBT HOLDINGS LLC violated USC 1692c ( a ) and published a opened account without any prior notice or my written consent to my XXXX consumer credit profile. Notice it is a fact, This action was a violation of USC 1692f ZION DEBT HOLDINGS LLC used of an unfair practice by a debt collector and clear violation of my due process. Notice it is a fact, This one action caused I, : XXXX XXXX XXXX a federal protected consumer severe financial injury and defamation to my character. Notice it is a fact, USC 1692d violation, Due to the continued harassment thru a third party medium " XXXX '', my credit score has dropped drastically. Notice it is a fact, USC 1692d ( 1 ) Violation, harmful actions toward my well being via credit reporting affecting my creditability to receive consumer credit, I have not been able to extend my credit with other financial institutions. Notice it is a fact, USC 1692d ( 2 ) violation, obscene language of accusing me of owing an alleged debt on my consumer credit report. Notice it is a fact, USC 1692e violation, Due to ZION DEBT HOLDINGS LLC false, deceptive and misleading statements and practices. Notice it is a fact, I now suffer from anxiety, duress, stress and unnecessary financial hardship. Notice it is a fact, To date ZION DEBT HOLDINGS LLC has failed to preform and validate the allege debt. I have requested validation of debt with evidence and have yet to received any contracts with wet signatures, full disclosure or a validation of debt between I, : XXXX XXXX XXXX and ZION DEBT HOLDINGS LLC . This also includes any accounting ledgers, which states I am obligated to pay ZION DEBT HOLDINGS LLC. Notice it is a fact, I have also sent a cease and desist to ZION DEBT HOLDINGS LLC due to the continued harassment. Notice, i am aware, according my consumer report from XXXX as of XXXX XXXX ZION DEBT HOLDINGS LLC has violated my request and is still reporting and communicating thru a third party, " XXXX '' which is a USC violation of 1692c ( b ) .Notice it is a fact, According to FDCPA each violation by debt collector could amount to XXXX XXXX dollars per violation. Notice it is a fact, I, : XXXX XXXX XXXX, Principal Executive am fully prepared with a bill of particulars to settle and file a lawsuit in this matter for damages. 
ALL RIGHTS RESEVERED
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax how did you verify the negative accounts as accurate that the XXXX XXXX police department has determined to be closed due to fraud? The negative account should have been removed. You have ignored police reports sent to you and failed to do a 100 % accurate and complete investigation which is a major violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that is reporting on my credit report is not correct my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, maryland XXXX. Everything else far as my address and name that is reporting on my credit report is incorrect.
Product: Money transfer, virtual currency, or money service

I made a payment to the recipient from " Cash App '' on XX/XX/XXXX which has my checking account linked to the Cash App. 

The payment I sent got expired as per the terms and conditions if the recipient does not accepted within 12 days and I got the notification that payment would be sent back to the original payment method. 

I reached to customer support team of Cash Ap explaining that the checking account linked to Cash App has already been closed and the bank will not accept any returns or refunds anymore. 

Asper my discussion with Cash App support team on Friday ( XX/XX/year> ). I was being told that the balance would be reflecting in Cash App balance, but it has been over 3 weeks since the payment was sent and Cash App still not refunding my money due to the payment getting expired. 

Cash App has made me running door to door for my own money due to their terrible policies not making customer able to access their own funds seamlessly. 

Cash App following malpractices by holding customer 's money for prolong period with no insight or respite to such kind of scenarios wherein customer needs to get their refunds on-time when a payment expires.
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED XXXX, TRANSUNION, AND XXXX, REGARDING FRAUDULENT INFORMATION REPORTING TO MY CREDIT REPORT. I HAVE SENT IN MULTIPLE POLICE REPORTS, AND THE CREDIT BUREAUS HAVE NOT DELETED THESE ITEMS WITHIN 4 BUSINESS DAYS OF RECEIPT OF THE INFORMATION, VIOLATION SECTION 605B OF THE FCRA. THIS INFORMATION HAS BEEN VERY DAMAGING. I HAVE ALSO REQUESTED ORIGINAL WET INK SIGNATURE CONTRACTS PURSUANT TO SECTION 609A OF THE FCRA. XXXX HAS STATED TO ME THAT " CREDITORS '' DO NOT NEED TO SEND IN VALID PROOF ( ORIGINAL WET INK SIGNATURE CONTRACT ), which is not lawful. I negotiated with the representatives as well as sent in supporting documentation regarding XXXX, XXXX XXXX, XXXX XXXX, as well as sent in my FTC report from the FEDERAL TRADE COMMISSION. I am rquesting that these accounts are DELETED PERMANENTLY in a timely manner. THESE BURUEAS HAVE NOT RESPONDED AND PROVIDED THE PROPER DOCUMENTATION WITHIN 30 DAYS. 

XXXX # XXXX {$13000.00} XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$20000.00} XXXX XXXX XXXX # XXXX {$4100.00} I HAVE CONTACTED MY ATTORNEY WHO IS PREPARED TO BEGIN A LITIGATION PROCESS SHALL THESE ITEMS NOT BE DELETED WITHIN 4 BUSINESS DAYS. FAILURE XXXX COMPLY WILL RESULT IN A LAWSUIT AGAINST EACH AGENCY REPORTING UNVERIFIED/FRAUDULENT INFORMATION TO MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I did a balance transfer from XXXX to payoff Nordstrom. The balance transfer check was received on XXXX making the balance " XXXX '' but Nordstrom still charged interest, which posted the day after the payoff and as of XXXX I am still showing {$2000.00} plus balance. 

I sent a message asking to revert the interest charge of {$39.00} and to close my account.
Product: Credit card or prepaid card

Denied credit card in error, CitiBank refusal to address concern, repeated denial over the years. Perfect credit ( above XXXX ) amongst all 3 major credit reporting bureaus, long credit history, and great debt to income ratio.
Product: Credit reporting or other personal consumer reports

Credit Reporting Agencies : Equifax, Transunion & Experian Creditor : All In Credit Union Account XXXX Account XXXX In accordance with the FCRA, this creditor has violated my rights. Under 15 U.S.C 1681 section 602, I have a right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor is prohibited from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect accounts and inquiries were attributed to my file that i have No knowledge of nor benefited in any way
Product: Debt collection

On or about XX/XX/year> I did NOT Open an account with BOUNCE AI. I have absolutely no knowledge of what this business is or even offers.BOUNCE AI is claiming to be the original debtors. I have tried to call them and have them verify the debt of a {$990.00} balance. Furthermore, such alleged account should be closed not opened as I do not do any business with them today nor at any other time previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

many fraudulent accounts are reporting under equifax credit reporting agency, i have disputed several times and even with a police report stating the fact that i had been a victim of ID theft. but they are not belong helpful at all, and when calling them every single time they are asking verification and have answered all the questions they are saying that i was not verified and i have no way of finding out whether or not what the situation is about my disputes and fraud accounts. please let help me out, your are my last hope, i receive Social Security Income and these fraud account are giving me headache, they are about to cut off my SSI, and i have no way of proving that these were fraud account. because quifax is not helping me in any sort of way. i need to proved the clean equifax report to the administration in order for my SSI to be  continued. 
i beg of you to help me so i wont be homeless. 
thank you for your help, i will be attaching my police report and the FTC report and the letter explaining what i have sent equifax thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union file # XXXX, is reporting the following fraudulent inquiries XXXX. XXXX XXXX  XXXX dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX XXXX  dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX  dated on XXXX XXXX, 2023. 
XXXX. XXXX dated XXXX XXXX XXXX, 2023.
Product: Student loan

Good Morning. I have a large amount of student loans with Nelnet. As soon as the XXXX application was rolled out, I applied. Nelnet is unable to calculate my payments, so they have put me in an administrative forbearance. Right now the forbearance is set to end in XX/XX/2027!!!! I am currently accruing interest at about XXXX a month. I have reached out to them, and they state I will be responsible to pay back all this interest. I need help getting them to calculate and place me in the XXXX repayment plan. Please help!
Product: Credit reporting or other personal consumer reports

Code ( MO ) 281 SW 715.719. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . 
( Accounts ) XXXX XXXX, PARAMOUNT RECOVERY XXXX XXXX XXXX needs to be removed from my credit report " I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) SW715, 719,1 presume that no proof the alley + debt, nor therefore any such debt exists this company is sharing my information back and farward with another company and it is illegal to do so without my permission
Product: Credit card or prepaid card

The primary cardholder of my Capital One Cabelas Visa Credit Card was changed to my father who cosigned for me to get the card and I am not able to administer the account. 

I discovered this when I ran into an issue with my Capital One Cabelas Visa Credit Card where I am not able to login to or even create an account to the online portal where I would go to view my balance and pay my bill. I called customer service on XX/XX/2018 and was told then that I am not the primary card holder on this account. 

I am the primary cardholder, and I should be the only card holder on this account so this should not be an issue. After about an hour on hold with the customer service team at Capital One, I was told that an issue had happened where my father ( who was a cosigner on the account - not a joint cardholder ) was converted to the primary cardholder before Capital One took over the Cabelas Visa card. I was told that other users were experiencing this problem and that they would look into it. 

Capital One never attempted to contact me back, so on XX/XX/2018 I called them back. I was greeted again as the secondary card holder and transferred to a manager. The manager tried to tell me that they attempted to contact me and that my voicemail was full. This is a false claim as I have received several voicemail messages within the last few months. The manager also told me that they had completed their investigation of my account and that the account is how it was received when it came from XXXX  XXXX XXXX. I was then told that there was nothing that they could do to help me. 

I need to be reinstated as the primary cardholder and my father needs to be removed from the account. Unfortunately, Capital One is unable to help me fix these issues with my account.
Product: Credit reporting or other personal consumer reports

Complaint Against Equifax for Inaccurate Credit Reporting Subject : Inaccurate Credit Reporting by Equifax To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Summary : I am submitting this complaint against Equifax for inaccurately reporting my mortgage payment history. The incorrect information is negatively affecting my credit score and financial standing. Despite my attempts to dispute the inaccuracies, Equifax has failed to correct the errors. 



Details of the Issue : XXXX. XXXX XXXX : XXXX Mortgage XXXX. Account XXXX ending in : XXXX XXXX. Issue : Equifax is reporting incorrect late payments on my mortgage account. 

The report shows multiple 60-day and 90-day past due marks, which are inaccurate. 

I have made timely payments, and my records contradict the negative marks on my credit file. 

Equifax has failed to investigate and correct these inaccuracies. 



Steps Taken : I have disputed these errors with Equifax through their online dispute portal. 

I have contacted XXXX XXXX to verify my payment history. 

Despite my efforts, Equifax has refused to correct these errors. 



Relevant Evidence : I am attaching screenshots of my Equifax credit report, showing the inaccurate reporting of my mortgage payments. This includes : The reported payment history ( highlighting the incorrect late payments ). 

Loan balance details that confirm my payments. 



CFPB XXXXnforcement Action Against Equifax : I am also aware that the CFPB recently fined Equifax {$420.00} XXXX for failing to ensure the accuracy of credit reports. This continues to be a serious issue, and I am requesting that the CFPB take action to ensure Equifax corrects my credit report immediately. 



Resolution Requested : 1. Immediate removal of all inaccurate late payments from my Equifax credit report. 

XXXX. A full investigation into XXXX reporting practices. 

XXXX. Assurance that my credit score will be updated to reflect the accurate payment history. 



Thank you for your assistance in resolving this matter. 



Sincerely, XXXX XXXX