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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX Balance {$18000.00} XXXX XXXX Balance {$500.00} XXXX XXXX XXXX XXXXXXXX Balance-
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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
Product: Debt collection

On XX/XX/XXXX at approximately XXXX MST, I attempted to contact the company XXXX XXXX about an old debt that I wanted to try and resolve. They transferred me to another one of their agencies who I tried to explain the issue to and offered a settlement of 20 % of the balance. They had already doubled the amount in fees over the last year. The agent then laughed and said they wouldnt do that. I asked to speak to a manager after realizing I was just losing my temper over the behavior of the agent. When the agent went to transfer me she called me a XXXX  tool & when I asked her why, she got extremely rude and hung up on me. I called back, got another agent & immediately asked for a manager and the second agent also has rude comments. When I spoke to the manager, he didnt seem interested in resolving the issue. This collection agency should not be licensed. Just try to talk to them. I can call them and let you listen. I understand I may not have had the most pleasant response to the treatment I received but this collection agency does not want to resolve debt. They want to harass you.
Product: Credit card or prepaid card

Credit Card was opened to take advantage of {$50.00} instant cash offer. The card was never received in the mail, but the statement did come 2 months later with some late fees. I attempted to cancel the card and spent over 30 minutes on the phone while representatives tried to sign me up for additional services and subscriptions. At the end of the call, I believe the representative signed me up for a vitamin program I did not want and then disconnected the call. I have tried calling back and the line is disconnected immediately. The bank is First Bankcard. The phone number listed for " customer support '' is XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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
Product: Checking or savings account

I opened a checking account about 3 months ago. Recently I deposited a check online. A few days later on XX/XX/year> I received an email telling me they were locking and closing my account. When I called they couldnt tell me any further information. I emailed to get them to explain and allow me to access my funds. They replied to let me know they would get back to me in 15 days, well past XXXX. I need this money for my rent this month and Im not sure why they need to lock my funds away. 

This is for my account ending in XXXX for XXXX XXXX XXXX 

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

On XX/XX/2021 I file a report with the FTC. I mailed Equifax about inquires on my report that I did not authorize on XX/XX/2021. I also fax Equifax on XX/XX/2021 with the information I will provide and I called them as well. They have refund to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection account with XXXX XXXX ( XXXX XXXX XXXX XXXX ) is fraudulent and absolutely should not be on my credit report. It has the wrong address and my identity was stolen. I have contacted the FTC and the police about this. This collection must be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report the misuse of my PERSONAL INFORMATION. I did not give consent to the credit bureaus to report a bankruptcy on my credit report. By law this information is considered private and I want this information removed. The bankruptcy reference number is XXXX. The credit bureaus ( equifax, XXXX, and XXXX ) are reporting this information without consent. 
Please reference the cornell law 15 US code 1681 a, 4 : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiries fraudulent from Transunion Credit Report. XXXX XXXX XX/XX/2025. XXXX XX/XX/2025. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting to mark these inquiries fraudulent and remove from my credit report.
Product: Credit card or prepaid card

Account # XXXX Transactions not authorized 1 ) XXXX XX/XX/21 XXXX general services {$72.00} pending 2 ) XXXX XX/XX/21 XXXX general services {$72.00} 3 ) XXXX XX/XX/21 XXXX general merchandise {$35.00} pending I filed a dispute for the XXXX XXXX transactions I did not authorize on XX/XX/21 and the company said they'd process it in XXXX business days by XX/XX/21, XXXX of the XXXX transactions is still pending but they still allowed with hesitation for me to file a dispute. So far the unauthorized transactions have not been refunded. As for the XXXX unauthorized transaction they are telling me I can not file a dispute until it is no longer pending, they said within XXXX business days it should no longer be pending. This company is making no effort to resolve these unauthorized transactions and I believe they are just repeating transactions and making up charges to benefit on my money. I have reported chime to the XXXX XXXX XXXX. I have called multiple times to chime and they just give me a runaround each time.
Product: Checking or savings account

On XX/XX/XXXX I deposit a check for {$5000.00} into my checking account to WellsFargo Bank with a bank teller. My client wrote the check under my construction company name. The check was place on hold ever since that date because the bank wanted prof that the business name belong to me. On XX/XX/2023 the XXXX XXXX Registrar-recorder/county clerk register the business name under me. On Thursday XX/XX/XXXX i visited a WellsFargo branch and spoke to a business personal. I presented the legal documents to him to submit to the proper department so my funds can be release. Everything went well and he said to follow up with the WellsFargo customer service. On Monday XX/XX/XXXX, I called to follow up and apparently the represent whom I spoke to said that the documents that were submitted were fraudulent. That statement infuriated me because the documents that were submitted are totally legit. That bank personnel in customer service didnt take the time to verify the forms and falsely accuse me of some thing totally illegal. I will attached the documentation.
Product: Debt collection

A company is trying to destroy my credit and has never disclosed this debt to me. I never signed anything saying I would pay this amount and have not had a fair chance to dispute this debt, this company just buys debt from whoever they can without properly Verifying it. I worked hard to clear up my debt on my credit report and if you view my report I have paid everyone I owed fairly. I NEVER CALLED OR Signed anything requested an ambulance. I will be seeking legal action and will be contacting my lawyer over this debt buyer trying to ruin my hard earned credit reputation.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and frustration regarding the discrepancies I recently discovered in my credit report through a thorough investigation. The unverifiable, invalidated, inaccurate, and questionable items have caused severe distress and emotional hardship. 

In accordance with the Fair Credit Reporting Act, it is imperative that my credit report reflects XXXX XXXX  accuracy. Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation by not reporting information that is 100 % accurate. 

I have attached copies of all correspondence previously sent to your agency, highlighting these violations. It is crucial that you take immediate action to rectify these inaccuracies and ensure my credit report adheres to the standards mandated by the law. 

Failure to address these issues promptly will compel me to explore further legal actions to protect my rights as a consumer. I expect your agency to prioritize this matter and provide a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX & XXXX is reporting a late on my credit report for XX/XX/2020 and XXXX. I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 &  being Quarantined since XX/XX/2020 and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XXXX I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys would do this.
Product: Debt collection

Keep XXXX me with debt collection agencies of a old account that they keep saling it to different collection agencies!
Product: Student loan

The problem is with the repayment and the advice/directions of the company. I recently had a baby and attempted to get help with repayment options. Every customer service rep suggested something different all resulting in a deferment or a forbarence. My loans are about XXXX. I have never missed a payment or been late because my credit is important to me. When the reps suggested deferment, they are capitalizing on my loan which is frustrating. I try to stay on top of the payments. Most recently I was notified my payment was going to increase to about {$550.00}. I filed separate taxes from my husband, as suggested by Fed Loan, and submitted a new IDR request through the gov student loan site. My XXXX lender accepted to app and tax information and everything was good. Fed loan denied my request, because it was recertified in XXXX, pre filing separately. They sent a letter stating if I wanted an early recalculation to please sign the form and return it. I complied and uploaded the form on XX/XX/20. I called today, XX/XX/20, to ensure the due payment wasnt going to get submitted to credit reporting because I was waiting for my recalculation. The rep said they didnt have the request and I was going to have to submit another application. I reread the letter their company sent me and she said, '' ya but ... XXXX '' I recapped what she said, at this point being extremely frusterated, and she said that my application would be denied and I needed another application submitted to recalculate payment. I asked her why the letter was sent out that stayed if I signed it, they would recalculate my payment. She was polite but basically ended the call. At this time, I am unsure if i need to resubmit an application or if the signed letter, that they send me, is going to recalculate my payment. I hate this company and they are so hard to deal with. Please help me. I just want an affordable payment. I am not trying to get out of paying my loans.
Product: Debt collection

I leased an 1 bed room apartment for one year from XX/XX/XXXX to XX/XX/XXXX. I dont know what this charges are coming from. I left the unit and also, i did not received my deposit back. I was new to credit i was young and i didnt realize how importat credit is and now im trying to fix my credit this is my number one priority.
Product: Student loan

I am trying to get help with my loans and the collection agency is not helping me whatsoever. I am being garnished and due to that, I am now being evicted. I spoke with XXXX XXXX and he said the only thing I can do is pay this off. Which would be great unless I am not able to do that apparently if I am already being evicted because of this. I am not trying to not pay my loans back but I need help from my lender and they are no help at all.
Product: Debt collection

EOS is attempting to collect a debt from a XXXX XXXX XXXX on behalf of XXXX XXXX. They were allegedly sent my phone number by XXXX XXXX. I have repeatedly ( XXXX times ) received calls from their team. I have repeatedly ( XXXX times ) told them that there is no one here by that name, that I do not know this gentleman, that he is not part of any social or professional networks, and that I have not done business with XXXX XXXX or any affiliated service provider. They deny that I am telling them the truth and keep calling back despite me advising them not to call me again and alerting them to the fact that my phone number is on the Do Not Call Registry. Nothing phases these people. 

If this were not troubling enough, I called XXXX this morning and after a series of transfers was directed to their Fraud department. They have no record of my phone number in their system and do not know how XXXX got my number so there is nothing that they can do to call off these dogs. So clearly there was a mistake made somewhere, but I am now being harassed. 

Anything that you can do to assist would be greatly appreciated. The calls during work are especially problematic as is the obtuse nature with which their employees behave.
Product: Debt collection

Jefferson Capital Systems {$1000.00} and the below creditors are reporting unverified information on my account and this is causing injury to my person, as I am not able to acquire new credit based on these false invalidated claims. 

XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX JEFFERSON CAPITAL SYSTEMS XXXX
Product: Credit reporting or other personal consumer reports

PLEASE DO NOT SAY THAT THIS FRAUDULENT ACCOUNT HAS BEEN VERIFIED BUT SEND ME WHAT WAS USED TO VERIFY THE ITEM, ALSO XXXX AND XXXX HAS ALREADY REMOVED THE ITEM This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX Date XXXX Account Number XXXX Reason for dispute_IDENTITY THEFT_ Account Amount XXXX
Product: Checking or savings account

Over a 3 month period ( XXXX XXXX XXXX ) had periodic automated unauthorized charges from various lenders on my personal checking account after having previously negotiated a suspension of payment period through aforementioned lenders as well as requested no transfers or charges be allowed if insufficient funds are available in my checking account through the credit union XXXX Charges and associated nonsufficient fund fees occurred irregardless of attempts to prevent such occurance. All of which led to a XXXX XXXX dollar debt incurring through a combination of unauthorized charges and associated fees. Of which resulted in the suspension of my personal checking account as well as the unlawful seizure of {$1400.00} from my federal and state income tax returns by the credit union. ( Mountain America )
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 violates the consumer financial protection act ( CFPA ). Specifically cash app failed to. Take timely and effective. Measures to prevent An address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund Transfer Act ( EFTA ) and Regulation E. 
These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regard to my personal credit information being shared on my consumer report. Pursuant to federal law 15 U.S.C. 1681a and 1666b, there is certain information being shared on my consumer report that I would like to cease immediately. This includes transaction and payment history information that is explicitly excluded from being shared.

As you may be aware, under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) are required to follow certain procedures in order to ensure the accuracy and fair reflection of the information in their reports. These procedures include but are not limited to, the requirement that the CRA must limit and remove any information that is exempt ( i.e. illegal ) from being shared as stated in their own laws. 

The accounts that are legally exempt from being shared are : XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX I would like to request that you immediately take action to remove this credit information from my consumer report, as required by federal law. Additionally, I request that you take appropriate steps to ensure that this does not happen again in the future. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.
Product: Credit reporting or other personal consumer reports

I sent a letter for inaccurate account and inquiries on my credit report.. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. This has really caused me a lot of stress and strain and I demand that these information and inquiries be deleted immediately or I will file for litigation. My information was also impacted by the data breach and may have gotten into the hands of the wrong person. 
XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/year>2023 XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX XXXX/2023
Product: Debt collection

I set payment arrangements with debt collector for {$600.00}. ( have never missed on my arrangement ) I have been paying {$100.00} every two weeks. the last payment off {$100.00} was to be paid on Friday XX/XX/XXXX. Today it is listed as a collection on my credit report owning XXXX out of XXXX dollars. this is unfair practices. no reason, no notice or anything. I explained to the collector I did not want this on my credit and agreed to paid in full.