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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

This collection agency continues to violation my consumer rights along with folling FCRA laws. They munipulate tthe credit bureaus to rfeport inaccurate and false information. I have a letter that shows the proof
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Trans Union for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Trans Union consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C S 1681i, which mandates a reasonable investigation of disputes. Furthermore, Trans Unions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C SS 536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I report as inaccurate and Please remove the below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or credit management

I signed up wit Lexington Law around the XXXX of XXXX to repair credit. Nothing happened and each time I called back, they lied about they were performing services. Nothing has been fixed on my account since.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 24 financial loss, and I seek appropriate redress for theses violations.
Product: Credit reporting or other personal consumer reports

Someone is continuing using my SSN to apply for credit. Things that I disputed in the past that has been removed are now back on my report. Also there is a new collection on my account that isnt mines. The credit agency has verified that Im a victim of identity theft, Removed the items but are allowing them to post again
Product: Credit reporting or other personal consumer reports

Hello! I hope this message finds you well. I am writing in regard to an account that appears erroneously on my credit report with Transunion, XXXX and XXXX. The account is labeled XXXX, account number XXXX. The account is listed with XXXX XXXX XXXX as a charge off. When I spoke with them, they did confirm the account was paid in full at that they requested it be deleted with all three credit bureaus XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FAIR CREDIT REPORTING ACT OUTLINES THE RIGHTS THAT IDENTITY THEFT VICTIMS AND THOSE WHO BELIEVE THEY ARE VICTIMS HAVE THE RIGHT TO BLOCK FRAUDULANT INFORMATION FROM THEIR CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT. BLOCK AND REMOVE THESE FRAUDULANT INQUIRIES.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX CARD # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

We disputed charges with Home Depot for over 3 years and finally they just wrote off the account in XX/XX/XXXX with out fixing it, then it affected my perfect credit report and for the 4th time asked that it be removed from my report. Now its with a credit collection agency. This is horrible and during Covid-19 I have been turned down for credit. All I'm asking for it be removed from my credit report. It is the only negative item on my report. Please help!! I have sent this attachment to Home Depot, Citi Bank, and XXXX XXXX many times
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not benefit from or authorize the use of my personal credit
Product: Credit card or prepaid card

We received notice in XX/XX/XXXX that our XXXX  XXXX XXXX was being sold to Marcus by Goldman Sachs effective XX/XX/XXXX. We had been XXXX XXXX cardholders since XXXX, and believe that the reason our card was sold was that we never accrued a bit of interest during those 30+ years. We do not want to do online banking and demand a paper statement monthly. XXXX sent us instructions on how to register for the new card. After completing steps 1 and 2, they offered a tab that read " We do paper statements ''. After I clicked on this tab, I discovered that the only option they were offering was online payment of our balance. To continue, they demanded that I enter an account number to be used to pay our monthly balance. They refused to pick up on the customer service number they provided unless we entered an account number, so I abandoned the enrollment process after trying 3 more times to use the customer service number. We sent a check for {$450.00}, our check number XXXX, to XXXX XXXX dated XX/XX/XXXX and XXXX XXXX subsequently cashed it in payment for our final balance with them. An officer at our bank told us that this balance had been transferred in its entirety to XXXX, and that according to out records, we still owed it. Since then we have received numerous emails that our XXXX balance was past due and to complete our enrollment by entering an account number, and then paying a minimum payment of {$29.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, LOANME XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, LOANME XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to make a Payment to  XXXX   XXXX , an old collection on my credit report. I informed the Credit bureau that the debt was in error and further that they had no recent history or activity of my account. I only found out about this company by looking at my credit report in the first place, NOT directly from the company. Further there is limited information on my credit report about this company. SO First last month I disputed that line item found on my credit report, However I was told it was valid, based only the word of the credit bureau ONLY and not on them presenting external verification that the tradeline was valid or active or legit fr om 3rd party.      I resolved to test the validity of the tradeline based ONLY on the information found in my credit report by THIS credit Reporting company. I sent them a test payment to see if it would post to the account in question with this company using only the tradeline information in my report.     The result?   The Payment was return ed. ( See letter from c ompany and attached returned check. ) They (  XXXX   XXXX   ) Informed me they n o longer service my account. Therefore they are no longer actively or validly accessing my credit report to update it.     This means, They do n't have me as  a credit collections client and therefore it should be removed as any attempt previously made to Validate was null and void, as it would of returned the same results : according to FCRA law [ 623 ( a )  ( b ) ].   Also..   That it seems the credit reporting agency didnt fully engage the furnisher of the tradeline at the time of the my first complaint, which seems not only erroneous but misleading, possibly an aggravated violation of the FCRA law.
Product: Credit card

I am filing this complaint in regards to a credit card issued to me by Navy Federal Credit Union. The complaint I have is that they have been charging me an above 6 % interest rate. I am protected as an XXXX XXXX XXXX XXXX enlisted in XXXX  from these interest rates by state law listed below : XXXXXXXX XXXX Laws Revised Statutes XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Limits on creditor interest rates Universal Citation : XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX. Limits on creditor interest rates XXXX. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of XXXX percent per annum that otherwise would be incurred but for the prohibition in XXXX XXXX of this Section are forgiven. 

XXXX XXXX amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under XXXX XXXX of this Section that is allocable to the period for which the periodic payment is made. 

XXXX XXXX order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than XXXX XXXX XXXX days after the date of the person 's termination of or release from XXXX XXXX. 

XXXX Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

XXXX XXXX court may XXXX a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of six percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX  eff. XX/XX/XXXX. 


Following this legislature is the credit card, current interest rate, current balance, and issued date : XXXX XXXX XXXX XXXX : Current Interest 16.24 %, Current Balance {$22000.00} ; Issued XX/XX/XXXX. 

I have frozen the Navy Federal credit card to make above minimum payments in advance of due dates.
Product: Debt collection

I keep getting calls from portfolio recovery for a debt that was paid off. They said they purchased the debt from XXXX. I can't get my statements because I changed banks and its been a hassle. I want to solve this asap because they are now messing up my credit which isn't right. They want me to pay $ 3,000+. I won't do that when I know I paid of my item, I would like to pay {$1500.00} and get the derogatory mark off my credit reports as well the following are : XXXX XXXX. and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit XXXX {$1000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$15000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

XX/XX/XXXX, Coast Professional llc sent my employer a US government wage garnishment order. I responded with a copy of my list of schedules in which they were included on XX/XX/XXXX. This company has instructed the payroll associate at my place of employment to mail the payments to the National payment center for the department of education, not XXXX XXXX. The Department of education has canceled my account and I was told that if I have any questions regarding my account to call XXXX XXXX. XX/XX/XXXX XXXX XXXX   was contacted by me per the Department of Education, who did not notify me that they were taking XXXX XXXXXXXX of my federal taxes, nor did they notify the IRS, and the Department of Treasury who told me that the Department of Education does not have to notify me yet I have proof of my discharged debts that have been forwarded to them and a letter from the Department of Education stating that no delinquent account could be found with my name or social security number. yet, there are no records of any of my money, my wages are being garnished by a collection agency that has been included within my bankruptcy and, neither the Department of Education of XXXX XXXX will give me any answers or answer inquiries about my money. The Department of Treasury has not investigated my social security number or the companies involved in my bankruptcy. I am not at fault for individuals incapable of doing their jobs or clerical errors.
Product: Credit card

I 'm a victim of identity theft. US Bank XXXX is reporting a credit card that is not mine. I 've disputed this account and it has not been deleted off my credit. I have a police report and identity theft affidavit that I will include. Please delete this account off my credit file immediately.
Product: Bank account or service

I opened a checking account with Citi because they were offering XXXX XXXX XXXX miles for signing up. In order to earn the miles, I had to pay bills through the account and spend at least {$1000.00} on their debit card. I did these things to earn the miles. Citi assured me I would get them with my XX/XX/XXXX statement. This has not happened and now they are saying it 's being looked into, but are n't providing any resolution. All the while, they have been charging {$30.00} per month for this account.
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX ACC # XXXX this is a fraud account -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Please update my number to my fraud alert to XXXX XXXX Those inquired are not mine XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX UNIVERSAL XXXX XXXX/XXXX/XXXX XXXX CARD BANKING XXXX XXXX/XXXX/XXXX XXXX BANK XXXX TU XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX STORES XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX CARD BANKING XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX CREDIT CARDXXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " XXXX '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditorsXXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

My account was locked after I attempted to withdraw my funds. Robinhood informed me that they needed 5 days to review my account and stated the issue would be resolved by XX/XX/year>. However, on XX/XX/year>, the issue was not resolved. Instead, Robinhood claimed they attempted to call me, but the date they referenced for the call was XXXX date in the future, which is clearly impossible. 

Later that same day, Robinhood requested additional documentation for verification. I promptly uploaded everything they asked for, including my ID, pictures of myself, and banking documents. They then said my account would be resolved by XX/XX/year>. However, on that date, not only was the issue still unresolved, but my trading privileges were restricted. 

I waited hours for a telephone call after requesting one. When I finally spoke to a customer service representative, I provided even more private information and answered all their verification questions. Despite this, they claimed my account would be resolved, and the hold removed. However, within the app, the resolution date was simply pushed another 5 days into the future. My funds remain frozen, and I am unable to trade. 

There is no effective customer support or reliable way to contact anyone at Robinhood. I am concerned my funds will be held indefinitely, as I have read similar stories from other users experiencing the same issue. This is unacceptable, especially since I have already provided all the information requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my credit report, I found that the XXXX XXXX XXXX had me in collections. First and foremost I never had a Credit Card with the XXXX XXXX XXXX When I contacted them they had ABSOLUTELY NO KNOWLEDGE OF MY HAVING ANY ACCOUNT WITH THEM OF THEIR ASSOCIATE BANKS... So they stated that I should contact XXXX XXXX XXXX XXXX. I did. I sent XXXX XXXX XXXX  a Debt Validation Letter.

I was told by XXXX XXXX XXXX that my account with them was paid years before and that this account long ago should have been removed from my credit file. 
When I informed them that it was still on my credit report they said they did not understand why, They told me they would send me a letter to verify this. 
I do not understand why the XXXX XXXX XXXX has me in collections when I have never had a Credit Card with them. And even if they are the bank that issues Credit Cards for another company, then that company should be the one to place me in collections not The XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I demand that XXXX and your credit reporting agency cease and desist this account. Secondly, Ive never owned an account with XXXX XXXX XXXX and you know this. Next I need to know how you verified this alleged account and balance. Then, I need documentation of me agreeing to this alleged debt. I need the agreement that grants you the right to collect this alleged debt. I need a copy of your license including license number. 

I want everything that I have asked you for in this letter within the next 10 days. 

You can not have me with a collection and an open account with a balance according to the FCRA.
Product: Mortgage

For ten days I have been trying to get modification doucemnts from Union Home Mortgage. The first time they said would take about 48 hours to be email. Nothing happened within this time frame. I called back and it was stated the request was never put in. This has been going back forth for 10 days. It has to be requested and then I was told it could not be email. I gave them a fax number to fax it to and still they are saying it will take 48 hours for the request to go through. Today X/XX/2017 I called again trying to get the documents and was informed of the soame 48 hours request to be sent. I spoke with a supervisor and got the samething and never got to the right person. It was never the modification department. I was informed that the modification department does not take phone calls. They only do modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.s. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any 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. it has been 30 days and you are in violation of this law because i am a victim of identity theft!! these accounts should not be furnished on my consumer report as they are in violation!!! under, 15 u.s. code 1681b - permissible purposes 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 accordance with the written I've identified information on my credit report that is a result of identity theft. None of these transactions was made by me. Account Names as followed XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX, XXXX Account number XXXX