23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

So, over the last 6-12 months, I have been active in disputing XXXX XXXX  Account # XXXX XXXX  Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. 

XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for XXXX it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. 

I also saw another account from XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. 

Also, XXXX : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed. 

XXXX Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover, the payment history is in error and I have tried to dispute with this with XXXX and XXXX but to no avail they did nothing.
Product: Vehicle loan or lease

Credit acceptance car loan company charging me $ XXXX for a cont ract I did not agree to. I made no agreement with these people. I was supposed to purchase a vehicle from this buy here pay here car lot. The owner came to my XXXX XXXX and got copies of documents. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I never signed anything with this credit acceptance company. I have tried to settle the matter with them no luck so I have been contacting the AG attorney general office for years. 
I HAVE REQUESTED SEVERAL TIMES FOR COPY OF CONTRACT WITH MY SIGNATURE SO I CAN SUE FOR FRAUDULENCE that has effected my recovery and my quality of living by effecting my credit
Product: Credit reporting

XXXX no longer serves its ' purpose, there is no way to easily get your credit report the way the reporting companies have set this site up. What a shame, a system meant to force private industry to be responsive to the consumers who information they make their profits off of, has been infiltrated by the reporting companies and completely neutered of any relevancy, a dnwe have the great folks in charge of regulating this at the FTC to thank. Thanks for doing your job for all American ( companies ), you guys really deserve a raise. ( Hint, the American citizen has been tapped out already, any raise you people get for doing absolutely nothing is going to have to come from your corporate overlords from now on. )
Product: Checking or savings account

Formally file a complaint regarding multiple overdraft fees Applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delay posting of charges and credits I was unfairly charged overdraft fees. 
This issue appears consistent with the recent findings from the CFPB, which identified a similar practices by Navy Federal credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 collection

Received a robocall today. The caller identified themselves only by a first and last name. Claimed that my " file '' had been flagged by " internal audit '' and that I needed to pay {$450.00} to prevent it moving to the next stage. did not provide company name, credit name or any other explanation. Went on for some time listing various percentage and dollar amount " settlements ''. This same message indicating my " file '' was in their office and a lot of other pseudo legal terms was left on the voicemail of several friends and family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus are reporting incorrect information on my credit report. I have tried numerous times disputing and nothing has changed.

I am currently enrolled in a Debt management program ( XXXX XXXX XXXX ) that settles account for less money with agreement from the creditor who owns the account. 

1 ) XXXX sold the account to XXXX which was sold to XXXX XXXX XXXX and was settled for a lesser amount of {$830.00}. This account is being paid every month and will be paid off XX/XX/22. As for credit reporting, apparently XXXX has reported. Under CRA guidelines, XXXX should delete their reporting, even though they now own the debt, as they are no longer the active debt collector. 

2 ) XXXX XXXX XXXX is actively being paid to XXXX XXXX XXXX for a lesser amount of {$760.00} which is the same situation XXXX is reporting an incorrect amount. XXXX XXXX XXXX is the authorized, active collection authority. XXXX need to delete their reporting even though they now own the debt, but no longer the active debt collector. The offer to accept the settlement offer from XXXX XXXX XXXX with the added stipulation that they agree not to report their collection to any Credit Reporting Agency.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 you received my dispute regarding some transactions and late payments that you and XXXX furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you XXXX, stating that the account was verified!!! 

I am not sure why you responded with Verified as I did not ask for verification of anything! The law clearly states that ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand the HYPERLINK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX making the report ; how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer report! Just because a creditor pay your company money to report an consumer experience and transaction that has nothing to do with you don't give you the absolute authority to break the law and report it. DO YOUR COMPANY STILL FOLLOW THE LAWS THAT GOVERN YOUR ABILITY TO EXIST? If so, then how can you validate a late payment unless these following laws has been met? 

Take a look at 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date. 

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance XXXX compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate. 
I'm also requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate. 
Failure to provide " this '' information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, and you ( XXXX, have fraudulently verified an account without a reasonable procedure as required by law. 

Capital One Quick Silver XXXX XXXX P.S. Please stop sending stall letters that don't apply to my letter, ie. 
IT'S BEEN VERIFIED or IT APPEARS THIS LETTER IS NOT FROM YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. Equifax is in violation my federal rights as a Consumer by furnishing my information without my written consent which violates 15 usc 1681a ( 2 ). By doing so they have damaged my reputation and infringed upon my right to privacy as a Consumer.
Product: Student loan

I graduated from XXXX in XXXX, MI with a XXXX XXXX in XXXX XXXX in XXXX XXXX in XXXX. Upon graduation i made numerous attempts to obtain employment as they insured they would assist. It never happened all i recieved is notifications from my loan providers about the huge balance i owed them and that the refund checks i was suppose to receive through financial aid that i was advised would be applied through the years back to lenders was never sent but stayed in the account of XXXX as if i sent them a payment personally. 
As a result of not be given the assistance i was told was guaranteed i was never able to get a career in the field i worked so hard for my student loans through board of education, navient, and wherever else XXXX XXXX sent them too have been a aheer nightmare. It has my credit so bad with it being the only thing on it is often impossible to do anything and thats horrible seeing that i have XXXX XXXX XXXX depending on me to take cate of them and myself. XXXX was closed due to years of fraud and false information they promised and did as well as navient and their recent investagations. I feel both too advantage of so many people and to be told your totally responsible even thought we can see it was wrong is a huge slap in the face.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRES DO NOT BELONG TO ME This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : My identity has been stolen you are hereby put on notice.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 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 accordance with the written instructions of the consumer to whom it relates. 
EXPERIAN XXXX AND XXXX have aided this Fraud by not verifying these accounts. 
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, Transunion for their refusal to update my personal information on my credit report. On XX/XX/2024, I submitted a personal information update letter to XXXX, XXXX, Transunion, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/2024, I received a response from XXXX, XXXX, Transunion stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX, XXXX, Transunion. 
I believe that XXXX, XXXX, Transunion 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX, XXXX, Transunion 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, TransUnion has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Product: Debt collection

I was trying to help a friend bail out of jail. I was to talk with his mom and help take paperwork to bail bonds. He was frighten in jail and thought that he might get hurt. So I was trying to help when I got to XXXX 'XXXX XXXX   XXXX XXXX his mother did not show up to do paperwork I brought the money to bail him out but she was suppose to sign for him. I just met the guy when I was in court for a ticket. They told me he would not get out unless his mom was there. I said in well I did what I could. Then the guy told me if I gave him the money and my name he could get him out. I said are you sure he said yes. I said ok. The inmates name was XXXX XXXX date was XX/XX/2016. I would like for them to take this off my credit because never signed up to pay this myself. Please talk with them. Thank you XXXX XXXX. That's all the information that I have they wouldn't even talk with me. XXXX XXXX XXXX. XXXX XXXX XXXX {$4200.00}
Product: Credit card or prepaid card

This is my 2nd complaint to cfpb please see case # XXXX my disputing still not resolved yet ( over 10 monthes ) and Discover card already added to my credit report " CHARGED OFF '' this is too threatening, That is not fair to me who suffering with id theft with multiple fraudulent charges disputing.

today i called them again and went police dept i will mail again police  investigation report and XXXX XXXX  closed docu. 
plese consider one more time my case this discover card company made my life so hard on top on this quarantine tine Thank you " cfpb ''.

As a normal, ordinary consumer, cfpb is the only one i could rely on Thank you again
Product: Debt collection

There is incorrect information on my credit report regarding a collection account from XXXXXXXX XXXX XXXX According to the law and FRCA this information has to be reported correctly. Remove this collection from my credit report immediately. 

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

EXPERIAN broke the LAW by reinserting an account that was previously deleted due to fraud by lying and stating that I disputed an item and it was updated when I didn't dispute anything. I previously provided a FTC/ police/ identify theft report and the item was deleted. They broke the law by reinserting the item and not sending notice within the five-day timeframe. The company is failing to dispute the item because the company said it isn't fraud after I sent proof and the company then changed the account number and tried to reinsert the item on my credit report.
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, there 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 caused significant inconvenience and financial loss and I seek to appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I request copy of signature everything from these illegal accounts! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

XXXX XXXX XXXX Date Opened XXXX, XXXX, XXXX Balance {$270.00} XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$7600.00} XXXXXXXX XXXX XXXX {$4900.00} Date Opened XX/XX/XXXXXXXX XXXX Balance {$0.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received an email on XX/XX/22 from what appeared to be a XXXX e-bill about a charge in the amount of {$390.00} that I did not authorize. I called the customer service number on the e-bill. 
Spoke with a man that explained to me that my account had been hacked and that for him to be able to see where the email was sent from needed to send me a link to an app called XXXX. Reassured me that he could get the IP address by me sending a {$500.00} XXXX transfer to XXXX PAYMENT TO XXXX XXXX XXXX Told me once it went through he would send the {$500.00} back to me. This transaction stayed in a pending status for a very long time. He kept me on the phone and then had me call Chase to have it pushed through. 
I called my son after hanging up with the gentleman. My son explained to me that it was all a scam! I have called Chase twice explaining to them what had happened. The transaction shows that it is in a pending status, not yet been deducted from my account. 
I was told the money has already been sent and can not be reversed. 
I feel so embarrassed and ashamed that this has happened to me. There needs to be some way a consumer can protect themselves against such evil, lying predators! 
I read that there is an Electronic Funds Transfer Act. 
I even asked for his credentials, name- XXXX XXXX Employee id - XXXX Toll free number XXXX direct extension number - XXXX ticket id number - XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My house is located in a natural disaster zone due to two hurricanes ( Helene and Milton ). I have had my account with Harley Davidson Financial since initially purchasing a motorcycle in XXXXXXXX XXXX XXXX and never missed a payment. Due to the damage to my house caused by the two hurricanes, I realized that I would be unable to make my monthly payment for my motorcycle and contacted Harley Davidson Financial to request a payment reprieve due to a natural disaster. I contacted them on XX/XX/XXXX originally. I was told that my request would be processed, and apparently it never was. The payment for XXXX was subsequently reported late due to no fault of my own, and while the account is currently in good standing, the damage to my credit is substantial. Harley Davidson Financial refuses to remove the erroneously reported late payment.