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

XXXX, XXXX  AND EXPERIAN HAS ITEMS ON MY ACCOUNT THAT ARE NOT MINE/INACCURATE. 

ADDRESES : XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MINE PLEASE DELETE. 

NAMES : XXXX XXXX XXXX PLEASE DELETE. 
XXXX XXXX XXXX PLEASE DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pulled my credit on XX/XX/2021 and again on XX/XX/2021. Only the XX/XX/XXXX pull was authorized. 

I called them in the XXXX  of 2021 when I saw the second pull on my report. They have not removed this unauthorized pull as I requested.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint and I have attached. 

I have been constantly disputing some fraudulent and unlawful accounts that are being furnished and reported to my credit report. The credit bureaus has said that the accounts were verified as accurate. I am requesting an explanation on how exactly these accounts has been verified and validated.

One of the accounts, XXXX XXXX has provided me with an AUD form that they submitted to the CRAs with a request to permanently delete the account from my credit reports due to the fact that XXXX XXXX and myself signed a settlement release agreement form prior to arbitration, with the deletion being one of the terms of the agreement. I will attache both the settlement release form and the AUD form to this complaint XXXX XXXX XXXX, has been acting unlawfully in regards to how they are reporting to my credit report. They are in violation of the FCRA and FDCPA. Also, I tried to arbitrate this creditor but they will not honor the arbitration agreement in their terms and conditions. If they will not remove the account, I will have no choice but to seek remedy in a court of law. 

XXXX XXXX XXXX is reporting and filing frivolous lawsuits without properly validating the account or providing any documented proof with my signature on it showing my obligation to alleged debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$14000.00} improperly reporting on credit report
Product: Credit reporting or other personal consumer reports

Sure, heres a template for a letter to the Consumer Financial Protection Bureau ( CFPB ) regarding a dispute under the Fair Credit Reporting Act ( FCRA ) : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally dispute inaccurate information contained in my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed information and the corrective action I am requesting : **Personal Information** : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - I am requesting that the CFPB investigate this matter and that the inaccurate information be removed from my credit report. 

I have previously contacted the credit reporting agency and the furnisher of the information to resolve this dispute, but the matter remains unresolved. 

I appreciate your attention to this matter and look forward to your prompt resolution of this dispute. Please contact me at the above address or phone number if you need any additional information. 

Thank you for your assistance. 

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

I am writing to formally dispute the claim made regarding my civil liability for negligence or noncompliance under Section 1681o of the Fair Credit Reporting Act ( FCRA ). The claim, as outlined in your communication dated [ XXXX XXXX ], alleges that I have failed to comply with the relevant provisions of the FCRA. 

I respectfully contest this claim for the following reasons : Lack of Negligence or Willful Noncompliance : Section 1681o addresses liability for negligence, and I assert that I have not willfully or negligently failed to comply with the requirements set forth by the FCRA. 
Compliance with FCRA Standards : I have consistently adhered to the necessary legal requirements under the FCRA, including [ mention any specific actions, such as maintaining accurate credit reporting, responding to consumer disputes, ensuring proper notification, etc. ]. Any suggestion of noncompliance is based on a misunderstanding or misrepresentation of the facts. 
Absence of Harm or Damage : To the best of my knowledge, my actions or inactions did not cause any harm or damage to any consumer, nor did I fail to rectify any errors promptly as required by the FCRA. If any harm occurred, I request that clear evidence be provided supporting such a claim. 
Clarification of the Violation : If there are specific actions or omissions that you believe resulted in negligence, I kindly request that you provide detailed information regarding the nature of the violation, including the relevant dates, circumstances, and any documentation or evidence you have to support your claim. 
In light of these points, I respectfully request that you review the situation and reconsider the civil liability claim. I am confident that a thorough review of the facts will show that no violation of the FCRA occurred on my part. 

Please send me a response with any further documentation or evidence supporting the claim. I am eager to resolve this issue promptly and fairly. You can reach me at [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] should you need further information.
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 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: Checking or savings account

Provided doc. With wrong information, savings account only earned pennies ... since XXXXdid ask for compliance, research, manager, investigation, I was told to close account before I was declined a solution and I relocated, I was defamated discriminated retaliated ilegally persecuted Frost bank, XXXX XXXX, TX XXXX a XXXX with two checkings? ; and 1 savings?
Product: Checking or savings account

I opened a checking and saving accounts plus I had a mortgage with bank of America for years. Bank fees on top of bank overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

The Chapter XXXX Bankruptcy was filed XX/XX/2011. It should also be removed from my credit report either way as enough time has passed per the law that it should no longer show up on my credit report and give me a negative rating.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint regarding a collection account that appears on my credit report, managed by XXXX XXXX XXXX. I believe this account is invalid, and the collection agency has failed to provide sufficient documentation to substantiate the debt. 

Details of the Issue : XXXX. Invalid Account Information : The collection agency has reported this account on my credit report, but I have no record of owing the debt they are attempting to collect. 
XXXX Failure to Provide Validation : Upon requesting validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), the collection agency failed to provide essential documentation, including : The name and contact information of the original creditor. 
A copy of the original agreement or contract that created the debt. 
A full account history showing how the debt was calculated. 
Proof that the agency has legal authority to collect the debt. 
XXXX. Lack of Original Creditor Information : The collection agency has been unable or unwilling to provide the original creditors details or the purchase agreement proving the transfer of this account. 


This invalid account is negatively impacting my credit score and has caused significant stress. The lack of proper documentation and failure to validate the debt undermines the legitimacy of their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company XXXX XXXX reporting a collection on my credit report and I have no idea who or what is. I have reached out to the credit bureaus and sent my identification ... .This XXXX company got bought out by XXXX  and no one will respond to my letters .... I know the bureaus get paid by these companies and they took one look at my ID and figured ok .... black ... no response ... Sorry to rant I'm just so upset that the bureaus would allow this ... ...
Product: Credit card or prepaid card

I received a piece of mail that resembled a document from Bank of America. I was suspicious of the piece of mail because I do not have a Bank of America bank account nor have I ever opened a bank account under my truncated name. I also noticed that the mailing address was a PO Box # and in the letter it was asking payment to be sent to another PO Box # that was different ( XXXX vs. XXXX ). Please see the attached photo. To test the phone line, I called the number listed and it goes through a fairly believable automated system that you are able to input the last 4 digits of a fabricated account number - which I checked against a real Bank of America automated system. The fake automated system would eventually forward the call to someone who claimed to be in some sort of card member services. I hung up after reaching someone and did not speak with them. A real Bank of America automated system will give the option of using your account number or 4 digits of your social and is noticeably smarter and faster in processing. I checked the number listed in the letter and my social and thankfully an account was not actually opened under my name at Bank of America. I  wanted to bring this sort of scam to light because I feel like it has the feel of authenticity because of the automated system. It might seem fishy but others may be duped thinking that because of the automated system that then directly puts you in contact with a representative seems real enough. Thank you for reading.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying for over a month to purchase a home I already have a contract on. Experian is reporting 4 accounts currently late when they are paid in full. It has been disputed directly with them and they are not correcting. XXXX  and XXXX have it correct. It makes sense that if an account has been paid in full, and they are reporting that, that the account can not be currently past due. 3 of them were never even late, they were sold to other creditors. The in-correct accounts are as follows on their report : XXXX XXXX. Account no XXXX, shows XXXX balance and 30 days late now. 
XXXX XXXX Account no. XXXX, shows XXXX balance and 90 days late now. 
XXXX XXXX Account no. XXXX, shows XXXX balance and 30 days late now. 
XXXX XXXX XXXX ( Student loan that was sold ), Account no. XXXX, shows XXXX balance and 120 days late now ( Was never late ). 

I am getting ready to loose my new home and would appreciate any help you can give. Experian will not correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Ot also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1668B : A creditor may not treat a payment on a credit xard account under an open end consumer credit plan as late for purpose.
Product: Credit card

I have a American Express-XXXX credit card and I was promised 1 % plus rebate rewards on all my purchases on that card. The rebates for the year 2014 totaled {$660.00}. However, American Express never mailed me the rebate check and when i called them today they said they can only issue me a rebate of 50 % of that amount. The balance have been " forfeited ''. I am shocked. I spoke with several of their representatives including their supervisor - XXXX - ( id # XXXX ). To me, it appears to be a massive scheme to defraud consumers where people like me are applying for cards based on the promise of 1 % refund. These refund checks are never mailed and then these credit card companies tell you that the money has been forfeited!!! 
Pls intervene to investigate and stop this fraud from being perpetrated. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company closed in XXXX or XXXX therefore closed all its accounts. I understand still being responsible for payments but how can they change the payment status when the account is technically closed to report payment history after the fact. If the company closed in XXXX and closed the accounts the reporting shouldve stopped also. I find that to be an unethical and deceptive practice.
Product: Payday loan, title loan, or personal loan

Called XXXX XXXX  found online at XXXX on XX/XX/22 to inquire about a loan. Was transferred to Wilshire credit spoke with XXXX XXXX whom told me all they do Initially is a soft pull on XXXX. I gave him my partial ssn then stopped and asked him again and he reassured me only a soft pull would be done at this time. Well XXXX XXXX after giving him the rest of my ssn I checked my XXXX online and there was a hard inquiry from nocom/Wilshire credit XXXX I have repeatedly called them and they insist they only do soft pulls. I have contacted nowcom at XXXX I was told XXXX from compliance would get in contact with me XXXX and this has never happened. XXXX has removed this inquiry based on fraud but Wilshire credit is lying to consumers about doing soft pulls. On XXXX XXXX web site it says nothing about Wilshire credit and that its a tittle loan company. This is a scam they never have admitted it was a hard inquiry I even screen shot my credit report and showed them through email. Supposedly it was sent to upper management and the response was its only showing as a soft pull on are end I spoke with XXXX XXXX again he said he would call me back and that never happened. My application # was XXXX which was denied but thats ok I got a loan from a credit union with no issues. Wilshire credit is giving customers fake information probably just to generate loans to get more buisness. My phone # is XXXX for any questions you may have. I also have XXXX XXXX phone number which I can provide if needed. I spoke with a supervisor with Wilshire XXXX XXXX and he said pretty much said his hands are tied. Please reach out to me for any further information. Thank you XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Trying to connect my PNC account to XXXX. Unfortunately it seems this is not a possible connection at the moment. I wish it was because I was excited to start learning about investing and it would have been easier for me to do so without having to open a new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account and 3 inquiries that are on my credit report that are not mine I have not approved used or signed anything for these I dont know why it's on my report I need this off I am getting tired of disputing items that dont belong to me we have no free time to be checking for identity theft!!! 

XXXX XXXX - Acct # XXXX XXXX {$450.00} Opened XX/XX/XXXX INQUIRIES XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX was sent information requesting the removal of inquiries of companies i didn't recognize, they were also sent information of their data breaches and how my profile was one of the ones effected by their breaches. These companies have refused to do the proper investigations that are required by law to properly remove all information that has not been proven valid. Please remove all information on my profile that was effected by their data breaches
Product: Student loan

Requested update on PSLF qualifying payments after verification application, and the count remains inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fight erroneous information on my credit report for about 4 months. I am married to XXXX XXXX who submitted a complaint right before this one. 

I supplied my drivers 's license and a dispute to all 3 credit bureaus last month, and to date, I haven't received any results! 

I can't call them because I don't have a report number which is nonsense, my job 's review is coming up and this information will have me lose my security clearance which will have me lose my job! 

There are several addresses where I never lived, and several different names that is not mine. I believe because I am an XXXX there is confusion about my name. I want all my information to be accurate and the company 's seem to be stalling. I will attach all 3 disputes that were submitted, and a copy of my driver 's license.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found errors regarding billing. These late payments dont match my history of on-time payments. Please correct these discrepancies and update my account. Thank you!
Product: Mortgage

The first year anniversary date of my reverse mortgage is XX/XX/22. I have maxed out my first year line-of-credit balance. I need to make a line of credit ( LOC ) draw to pay urgent medical/dental bills by XX/XX/22. 

Yet the mortgage holder tells me I can not receive a draw on that date. They say that XX/XX/22 is the first time I can request a draw and that it will take XXXX business days to be processed, then the money can be placed in my account. ( My bank wouldn't receive it until XX/XX/22. ) They told me a line-of-credit draw submitted before XX/XX/22 would be rejected. 
So, if I send in a line-of-credit draw request XXXX days before XX/XX/22, they would ignore it. 

Is this in agreement with government rules concerning reverse mortgages? Can they force me to wait XXXX days after my anniversary date to receive my draw? 
Thank you for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  refuses to investigate a dispute. I submitted disputes through their system and the information that I'm disputing is incorrect and needs to be fixed. When they completed their investigation the first time nothing was changed they claim that it was verified but upon calling them they didn't verify anything with the company and just repeated the same false information. So when I try to submit another dispute they block the dispute because they claim to have already investigated it. They have not done so and continue to block any effort to dispute the incorrect reporting that they are doing. There are five line items on my credit report that are false incorrect and not in negative status. Experian refuses to delete these items they continue to block any efforts and will not investigate anything. I need help to get these items removed from my credit report as they are false. Experian refuses to actually contact the individual companies to get the information to fix the problem. They claim that they have investigated it but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I submitted a dispute for a balance of XXXX $ that was charged off in XXXX. 

After submitting the dispute to Exeter finance, I received a notification on my XXXX account on XX/XX/XXXX, stating that my credit score dropped XXXX points. When I looked, Exeter finance had handled the dispute, and added a balance of {$100000.00}, and reported it to XXXX. So now the balance went from XXXX to XXXX, and its showing on my credit report that I have a six figure debt to Exeter finance. 

When I called Exeter they stated that they cant see it, however I have print outs of that new balance that was reported, and I spoke with an XXXX representative and they stated they can see the XXXX as well. Exeter is refusing to assist me with this. 


This is absolutely illegal. And now my credit has suffered because of this fraudulent reporting of a XXXX debt owed on a XXXX car that was charged off 4 years ago and sold at auction for XXXX
Product: Credit card

I have received a call from XX/XX/24 at XXXXXXXX XXXX I believe the time was much earlier, but the phone script said XXXX. When I heard the voicemail just after I received, it looked like female caller. The recoded voice looked like more old fashioned recording. 

The number is XXXX. XXXXXXXX XXXX 

Voicemail transcript Good afternoon my name is ______ on your I'm calling from synchrony Bank this message is for XXXX XXXX XXXX regards to your teacher ___________ account I received your correspondence regarding an issue were having with your credit account and I wish my name to touch base with you regarding that if you could please return my call at XXXX I would appreciate it thank you and have a great day ....
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 accounts ( A ). It is not permitted to report these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX