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

Experian, XXXX and XXXX are consumer reporting agencies and have a responsibility to be fair, impartial and respect consumers right to privacy. 
I have the right to make sure my private information isnt shared. Privacy Act of 1974. 

Firstly, there are multiple non-mailable addresses on all of the reports. I only have one address of which i can receive mail and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all other addresses are to be DELETED. You are putting me at risk for identity theft. XXXX especially!! 

All phone numbers across all reports are to be DELETED. I DO NOT authorize my private phone number to be shared. 

Secondly, reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not only a HIPPA Violation, but charged off to a 3rd party and considered to be a certificate of indebtedness which is considered income per the IRS. It is illegal to report income on a consumer report. Its also a violation of the Privacy Act of 1974 ( 5 USC 552a ) to record medical history on a consumer report. DELETE the account from all 3 reports. 

XXXX XXXX XXXX XXXX XXXX XXXX  is reporting income as well as a violation of 15 USC 1681c. No adverse items or derogatory marks should be on the consumer report. This goes for XXXX XXXX XXXX XXXX XXXX XXXX  as well. DELETE both accounts from all 3 reports.

15 USC 1681a ( 2 ) tells us that reporting transaction history between a consumer and the person making the report is illegal. Therefore, all transaction history ( 2 year payment history lines ) should be removed from every remaining account on my consumer report ; across all 3 reports. 

Finally, I have attached letters opting out of credit reporting for the following companies.. 
XXXX XXXX XXXX XXXX XXXX These companies do not have permission to report on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I have provided applicable laws and evidence of inaccuracies. The LAW says the reports have to be accurate and complete. And they are clearly not. Continuing to report these accounts or updating them with investigation methods provided by law will be considered WILLFUL NEGLIGENCE. **
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. 

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

I am filing a complaint about Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I 've been XXXX since 2009 so if I did have a medical issue it was paid for by the state.
Product: Credit card or prepaid card

XXXX XXXX ( XXXX Credit Score : XXXX Top 1 % ) Account : Citibank XXXX XXXX XXXX Credit Line : XXXX Account Status : Excellent - 4 years held, balance paid in full every month -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Citibank Closed our Account - in good standing w/ all balances paid 100 % monthly. They claim a call center agent said we 'Refused a Term ' but no such exchange occurred nor can they document. It is an error on the call center agent part and Citibank will not even provide the documentation to pursue them for the damages they have caused our Credit profile. They have fabricated an issue and have harmed us. 

We don't pay any credit card interest and would care about any term ( rate ) changes as we don't live our life 's paying any interest to any of our XXXX ( unused ) lines of credit. We know the Credit score game this is how we have a XXXX XXXX  score. Damages : This Closing of a XXXX line of credit for no cause, with zero documentation or even an excuse has caused our well managed Credit Score to drop by XXXX points. This big company can not harm or damage us for no cause. They may be big but we are smart and will be loud. If they are making up fraudulent reasons to harm good creditors like us ( we are blessed ) what on earth are they doing to lesser fortunate souls? I am starting here and need your assistance to pursue all courses of action. They are not too big to be accountable for their mistakes! XXXX XXXX  XXXX XXXX Email : XXXX ; XXXX XXXX
Product: Mortgage

I am complaining about SPS because they did not properly respond to the debt validation letter I sent. The ceo of SPS did not respond TILA recissionni sent. XXXX XXXX did not respond to the TORT letter I sent. All of these letters were sent XX/XX/2019. The three letters were ignored and my house was put in foreclosure. I would like for SPS to stop the XXXX sale date.
Product: Vehicle loan or lease

In XXXX of XXXX I was behind on my car payment, the company reached out advising I owed {$900.00} to include some NSF fees. They advised I didn't have to pay the late fees and that it would not affect my " late '' status. I paid {$450.00} and then another {$220.00} and requested a detailed statement history to include payments since I believed I had already paid the NSF fees. Fast forward to today, it is now XX/XX/XXXX - I have refused payment until I receive the paperwork needed to confirm I have not been double billed, over charged, XXXX and I have still not received it. They are now saying I owe {$1200.00} ( my car payment is only {$320.00} ) Please make it make sense, I owe {$900.00}, pay {$670.00} which would leave {$220.00}, plus {$320.00} for XXXX and {$320.00} for XXXX which only totals up to be {$870.00} - I am not getting ANY answers, and I feel like they are HIDING something because they are refusing to provide me with documentation to review. There is XXXX way possible to confirm anything, and all the months I'm having issues with the statements are NOT available on the online portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out about these fraudulent accounts and activites and inquiries when I just looked at my credit report on XX/XX/XXXX these accounts and inquiries are not mines back in XX/XX/XXXX I had lost my social security drives license and birth certificate and ever since I'm getting fraud XXXX account # that begins with XXXX with a negative balance of {$0.00} is fraud XXXX XXXX account # that begins with XXXX Balance with {$1300.00} is fraud XXXX XXXX XXXX account # that begins with XXXX Balance {$400.00} XXXX XXXX account ending XXXX is a fraudulent account Also fraudulent inquiries that are on my credit report I never authorized these inquiries XXXX XX/XX/XXXX. 
XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint Against Experian - Improper Reporting of Charged-Off Account Dear CFPB Representative, I am writing to file a formal complaint against Experian for their continued and improper reporting of a charged-off account on my credit report. Despite my repeated requests for a proper investigation, Experian has failed to correct the inaccuracies related to this account, which has resulted in the ongoing violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Original Charge-Off Date : [ XX/XX/XXXX ] This account was charged off on [ XX/XX/XXXX ]. Since the charge-off, Experian has continued to update the account as charged off every month. This constitutes an improper update to the payment history of the account. A charged-off account should not include an active or ongoing payment history as it inaccurately extends the statute of limitations and falsely represents the status of the account. 

I have previously disputed this account with Experian on two separate occasions, requesting that they correct the reporting errors. Unfortunately, Experian has failed to conduct a proper investigation and continues to report the account inaccurately, in direct violation of my rights under the FCRA. 

I am requesting that the CFPB intervene in this matter and ensure that Experian conducts a thorough and accurate investigation into the reporting of this account. Given Experians continued neglect and violation of my rights, I am demanding the immediate deletion of the following account from my credit report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX I trust that the CFPB will take swift action to address this issue and hold Experian accountable for their failure to comply with federal regulations. Please keep me informed of any actions taken regarding this complaint. 

Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Im the victim of identity theft and I did NOT open or authorize a Discover account ending in XXXX with balance of {$13000.00}. I requested Discover bank to investigate this fraudulent account, and they were concluded that I'm responsible for this account and the balance. I didn't agree with the investigation result, so I sent an appeal letter to Discover bank request to re-investigate. In the appeal letter, I have enclosed the copy of my FTC identity theft report, Police report case number, and copy of my IDs supporting my position. However, Discover bank did not conduct re-investigation due to " not enough evidence ''. However, the evidence is very obvious, because the address that was listed on the fraudulent account was NOT even my address, that means Discover bank enable this fraud happened because they allowed someone to use my name with an incorrect address to open a credit card account that I didn't authorize. I filed a police report about this identity theft and the case is still under active investigation. I provided my case number to Discover bank with the hope that they will work with local law enforcement to protect my right. However, Discover bank did not contact the police department for information and did not even take effort to re-investigate this fraud.
Product: Credit card

XX/XX/XXXX I received an offer to apply for a Discover credit card in the mail. My family and I were going on a trip to visit family in XXXX so I thought it was perfect timing as I could use the card for expenses. At that time, I had a credit score of about XXXX according to Discover and was given a credit limit of {$5500.00}. Unfortunately, due to a inaccurate negative credit reporting by XXXX, XXXX my credit score was lowered substantially. As of XX/XX/XXXX XXXX, XXXX has agreed to remove any and all negative credit reporting from XX/XX/XXXX through XX/XX/XXXX. This was the only negative item on my credit reports. Once Discover was notified that a recent approval 's credit score had been lowered they decreased my credit limit from {$5500.00} to the current balance which was approximately {$2000.00} ( hotel in XXXX and an XXXX ). Now my credit score has been hurt even more because this Discover Card reflects as a " maxed '' out credit card on my credit reports. I understand Discover has to do their due diligence but this was just a snowball effect that I lost sleep over trying to stop that began with the incorrect and inaccurate negative information reported from XXXX, XXXX. I am not in financial despair. I actually received a pay raise from my employer this week, an employer that I have spent 10+ years with. Also, to make matters worse I received a call from Discover asking about my financial well being since I had a maxed out credit card. This was disheartening. Although polite, the Discover Card representatives did not know how to handle the situation once I explained it. Their only direction provided was to apply for an increase. Obviously I did not do this as it was just cause continued problem. I understand the financial world. However, this was not my fault and reducing my limit only made my situation worse. I am a honest customer. I am a loyal customer. I always pay my bills. I have never and will never file bankruptcy. And most importantly the situation that caused all of this was not my fault.
Product: Payday loan, title loan, personal loan, or advance loan

We are launching a FOIA process with CFPB for settlement regarding ongoing law fare by Enova regarding slander, racism and deceptive tactics, invasion of privacy, leaking inaccurate damaging information to a major bank per email and phone conversation from bank. Also, a lawsuit will be filed against Enova in XXXX for repeated violations of consumer rights and ignoring the order by CFPB. The lawsuit will be filed next week for XXXX dollars for ongoing harassment and deception.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX  and Experian on XXXX. I have not gotten a reply from either company. according to the Fair reporting credit act, these items should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Bank of America are liars! ... ..I was told that my loan modification was approved. I have completed the trial payments. The last trial payment was in XXXX according to Bank of America 's paperwork. Since then I have been waiting for the permanent mortgage monthly payment. Every time I call Bank of America inquiring about changing my account to a regular account to pay my mortgage, they hang up on me. 

I need for Bank of America to change the classification of my loan so that I can pay my mortgage.
Product: Credit reporting or other personal consumer reports

According to per USC 16814I DID NOT AUTHORIZE THE REPORTING OFFICES, ACCOUNTS UNDER 115 USC 1681 C-2 PLEASE BLOCK & REMOVE THE FILES. ALL LISTED FILES LISTED BELOW ARE FOR ALL THREE MAJOR BUREAUS ... ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paypal limited my account on XX/XX/XXXX right after I had opened it. I submitted documents ( incoices, ID, proof of shipment, reciept of purchase ) and paypal permanently limited my account right after on XX/XX/XXXX and thay I was no longer allowed to do business with them with {$210.00} in my balance. They will not release my earned money and will most likely hold it indefinitely. I called many times and never got a clear reason as to why my account was limited and tried e-mailing multiple members of their escalations department with o satisfactory response or explanation. One of the reasons given was that my products were suspicious when i had clearly submitted invoices of my original purchases. Paypal should not have the right to hold my money for extended periods of time with no legitimate reasons.
Product: Credit reporting or other personal consumer reports

TransUnion refused to update my personal information on XX/XX/year>. The Representative told me that they're not allowed to remove old information off my credit report.
Product: Debt collection

THESE ARE NOT MINE AND THESE ARE ALL UNAUTHORIZED, PLEASE HELP
Product: Debt collection

Hello This company keeps calling saying My husband owe money and we are being sued.   When asked who the company is they said they cover verity of pay day loan. When asked for there address : they hang up, then they called my in-laws. told us they are going to go after his job, his driver licenses.   Their company 's name is  XXXX  there phone number is  XXXX .     I hope someone can get hold of them. Thank you,  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XX/XX/2023. UNAUTHORIZED INQUIRY
Product: Debt collection

I have repeatedly ask for proof of this debt. It was on XXXX and was returned to the debtor as not owed. I dont know what to do!! 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent inquiries have been made on my credit report. I am requesting that the following fraudulent inquiry be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Inquiry : XXXX. XXXX XXXX - XX/XX/year>
Product: Credit card or prepaid card

I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX XXXX XXXX stating that I owe a debt in the amount of XXXX XXXX XXXX has not provided me with any proof of owing this debt, therefore, I do not acknowledge this debt. By law, the first letter I shouldve received is a notice of intent to sell property. Once the lender has sold the vehicle, I shouldve received a letter called a deficiency notice. This letter is a statement to show proof of the sale, proceeds, repossession fees, the remaining balance fees. I have not received any of these letters. There is also to many inaccuracies being reported. The debt amount on the XXXX XXXX XXXXXXXX letter I received says {$8700.00}. XXXX XXXX has been reported multiple debt amounts to the credit bureaus. This goes against the FCRA laws. And should be removed off of my credit report. Ive attached screenshots of all the inaccuracies that has been reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I have never stepped foot or sat in a class at XXXX University or XXXX college . 
the school was closed for fraud. the school opened these loans in my name under false, an misrepresentation I have tried to contact sallie mae who knows why the school closed they have no records. I've contacted the XXXX Attorney Generals office/Criminal division/ Citizen Services. I filled a claim last year. I was told it is under an investigation. I have checked but no response yet thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX A Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX