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

XXXX, Transunion, XXXX Accounts : XXXX XXXX XXXX XXXXXXXX XXXX needs to be removed it was processed and paid in full bur should not be on credit report because they had a glitch in their system that brought a current account in collection inappropiately. 
XXXX. XXXX XXXX XXXXXXXX opened XX/XX/XXXX. it reported past due 90 days for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that was incorrect. never late was on a plan XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX late payment XX/XX/XXXX. payment never late. its incorrect. 
XXXX XXXX  Opened XXXX, XXXX. This was not my account i wasnt sure if my x husband opened this. But not my account it needs to be removed. 
XXXX. XXXX XXXX XXXX XXXX XXXX unsecured loan opened in XX/XX/XXXX. XXXX reported late XX/XX/XXXX, XXXX, and XX/XX/XXXX that is inccorect. payment never late. used a different draft so payment was never late. 
XXXX. XXXX XXXX XXXX XXXX XXXX unsecured laon opened XX/XX/XXXX, XXXX reported late on XX/XX/XXXX. That is incorecct. never late. used different draft account. 
XXXX XXXX XXXX XXXX XXXX XXXX loan opened XX/XX/XXXX reported late XXXX that is incorrect. never late it is current they mentionoed hardship would cover current payment until XX/XX/XXXX and payment will be added to end of loan due to job loss. not deliquent. 
XXXX. XXXX accounts : XXXX opened XX/XX/XXXX {$170.00}, balance {$190.00} not my account at all. XXXX opened XX/XX/XXXX {$150.00} not my account. XXXX {$44.00} opened XX/XX/XXXX not my account, XXXX {$120.00} XX/XX/XXXX not my account. These are not my accounts I have XXXX XXXX and all my hospital bills are current. 
XXXX. XXXX accounts XXXX XXXX XXXX XXXX {$1200.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account not sure. 
XXXX. XXXX account XXXX XXXX XXXX  {$800.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account as well. not really sure.
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with the required reporting parameters, thus the data provided in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXX XXXX Late Payment {$0.00} XXXX  XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Collection {$660.00} XXXX  XXXX Collection {$660.00} XXXX XXXX XXXX XXXX Collection {$950.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$950.00} XXXX XXXX Collection {$710.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$710.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$970.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$1000.00} XXXX XXXX XXXX Collection {$0.00} XXXX XXXX Charge-off {$6300.00}
Product: Debt collection

I have been trying to reach out to this company with several months in regards to this alleged debt.

They have failed to provide sufficient evidence that supports the amounts owe in accordance with the lease agreement and their right to collect this debt through a written contract between me and said company, violating my rights to privacy and impairing my ability to take part in credit-based transactions I have asked for the prompt removal of this information from my consumer Please see attached for most recent correspondence in which they have not responded to in a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

Bank of America Account Nbr : XXXX has been and is being reported on my credit incorrectly and needs to be deleted in accordance with the FCRA Section 15 USC 1681. I am a natural person, I am a living human being with rights under such law which governs credit reporting.

According to 15 USC 1681, I have the right to privacy and give neither XXXX, XXXX nor XXXX to report the above account with the various discrepancies affecting me as a human being. 

In accordance To 15 USC 1681 s-2 A person or company shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if_____ ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is in fact, inaccurate. 

I can go on and on and on ......
Product: Prepaid card

I have tried three times to use my vanilla gift card - all times there has been a problem and the purchase has been declined. They make the money so hard to access this should be illegal. They are stealing money.
Product: Credit reporting or other personal consumer reports

I applied for an auto loan with XXXX XXXX, I was approved for the loan but received the funds or signed any contractual agreement. XXXX XXXX has attached this debt to my credit report without any contractual agreement. This is a clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX with 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

Hi, I had a hard inquiry on my credit report from a third party ( XXXX ) who according to them was making the inquiry on behalf of my student loan company ( XXXX XXXX XXXX XXXX ). I do n't even think I have a loan with this company unless they go by another name, but I have not defaulted or paid late at any point and they never notified me about reasons to check my credit report. Around the same time I was looking for apartments and my credit score went down due to the hard inquiries from the student loan and my landlord. Is the student loan company allowed to do this for no reason and without notification?
Product: Credit reporting or other personal consumer reports

I find myself incredibly frustrated at the moment. As a result of identity theft, XXXX of my email accounts have been compromised in Equifax XXXX XXXX breach. This has led to a significant exposure of my personal documents, including my SSN, driver 's license, and private photos, all stored within XXXX 's services like email and XXXX. Such exposure was never solicited by me, yet it's having a detrimental impact, especially on my credit score. The situation has escalated to a level that is both unacceptable and distressing. I am earnestly seeking assistance to rectify this issue and remove the compromised information as swiftly as possible.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Having issues with capital one card ending XXXX I unfortunately was late only one time in XXXX XXXX XXXX spoke to XXXX at XXXX due to not being able to get into their portal so I had to call In and explain the situation. The agent ask me if I had any issues paying due to covid which I did.She took an application again to waive the fee and stated that I did not have to pay but I did pay however I notice following months my monthly bill was not reset nor did the balance go down so I immediately call In and reference my call again and was told to me a letter will be going out after they look into XXXX and XXXX calls and the applications I did twice remind u only late once. 

This has been. An ongoing nightmare and still have not received anything via mail. 

I also called today and mention to him reason why I'm calling and stated no letter came to me. I explain that they dont send out letters it appears every time I call it's something else with no resolution. 

I also asked him about agency that oversee credit card issues and instead of him looking into it from his superior it was stated to me which is incorrect that it is no agency or dept that assisted with customer issues which again. Is incorrect info which is evening more frustrating. 

This is the worse credit card thus far I regret ever having it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an item on my credit report ( XXXX XXXX XXXX XXXX ) in XX/XX/2022. My bank and I pulled a copy of my credit report from TransUnion on XX/XX/2022. TransUnion is in violation of FCRA by failing to include a notation on the account that it is disputed or has been disputed. 

I also requested verification proof of their investigation and they refused to provide that information as well.
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 48 financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending in a complaint to XXXX, XXXX, & EQUIFAX, i have sent them multiples letters asking them to please remove the inaccurate and negative information that's reporting on my credit reports.They keep ignoring me with stall letters and I am very upset with it. If they can't provide me additional information and documents that i have statement in multiple letters i have sent them, they need to REMOVE everything i challenged IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX  and yahoo data breach. State issued ID have been compromised and my social security has been compromised. 
I have filed a report with the FTC in regards to this negative misleading fraudulent information that needs to be removed immediately off my credit report. 
I am not responsible for any charges made to this account. 
I would like to request copies of any documentation, such as application and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.
Product: Debt collection

This agency mailed repeated collection notices to my son and shared confidential information in those notices. This was an account they purchased from XXXX after bank would not accept a 5 year payout plan ( I attempted to settle with XXXX ) in 2012 after property was wiped out in a coastal storm. This debt is 7 years old and should be removed from my report. I will not negotiate with these loan sharks! They refuse to remove this from my credit report although they agreed to no longer contact me or other relatives. Thats not acceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these companies to pull my credit. Additionally, there are addresses that are unknown. Please remove them.
Product: Checking or savings account

I am writing to urgently address a severe issue regarding my account with Wells Fargo. On XX/XX/year>, I contacted Wells Fargo to report suspicious activity in my account. In response, I was informed that my current account would be closed due to this activity, and a new account would be opened promptly with my existing funds transferred. 

However, on the same day, a family member sent me {$330.00} via XXXX, which never arrived in my account. Despite my family member 's attempts to cancel the transaction, they were informed by their bank that the money had been received by Wells Fargo. Subsequently, on the morning of XX/XX/year>, I received an email notifying me that my account had been closed due to suspicious activity, and that my funds would be mailed to me within 14 business days. 

Understanding the urgency of my situation, I promptly visited a Wells Fargo branch where I was informed that my account had been compromised, and that my funds were being held due to fraudulent activity involving XXXX XXXX  checks. The branch associate let me know these cases were very common and I was his fifth similar case in just the morning. This news was alarming, especially given the scale and reputation of Wells Fargo. 

Despite assurances that my funds were visible and accessible, I was ultimately told that I would need to wait for a check to arrive at my home address, a delay that is completely unacceptable under the circumstances. This situation has left me unable to pay essential bills, including rent and utilities, and I am deeply concerned about accumulating late fees as a result of Wells Fargo 's handling of my account. 

I demand immediate resolution and request that my funds be released without further delay. I urge Wells Fargo to take swift action to rectify this situation and ensure that customers are adequately protected from such breaches in the future. 

Please contact me at your earliest convenience to confirm that my request for expedited resolution and extension of bill due dates has been processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the beginning of XX/XX/2022 I have tried to dispute the validity of the accounts on my credit report. I never gave this company written consent to disclose my information and also under know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customers service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically. Cash app fail to protect personal info. Leaving my account vulnerable and unprotected. Furthermore their disputes resolution process was unfair and deceptive, as they did not comply with errors resolutions requirements under the Electronic Fund Transfer Act
Product: Money transfer, virtual currency, or money service

This amount of money {$4900.00} in total this missing money from social security benefits, I'm missing from XX/XX/year> ... through XX/XX/year>. My identification was stolen from in XX/XX/year>... I've been reporting this to the social security office and to cash app mobile banking platform, and I've been trying to resolve this matter through XXXX XXXX  that's over Cash app online banking. But they still refuse to resolve this matter or refund my money. That's why they'd suspended my cash app account because of my complaints. I need help from someone who is certified in resolving issue as mine. Please N thank you!
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Equifax where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX ) XXXX, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX
Product: Credit card

Kindly review the enclosed documents. I request the bureau to initiate an investigation into the accounts where I have consistently maintained timely payments, yet they are being reported as late.
Product: Checking or savings account

I used XXXX as the promo code and opened the checking account under the terms below at capitalone.com. 

The terms : Open a 360 Checking account between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. 
Receive at least 2 direct deposits totaling {$1000.00} or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension or government payments ( such as Social Security ) by your employer or an outside institution. 
This account is subject to approval. This offer can not be combined with any other 360 Checking account opening offers. Only one promotional code is accepted. Bonus is only valid for one new 360 Checking account. 
If you have or had an open 360 Checking account as a primary or secondary account holder with Capital One on or after XX/XX/XXXX, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them I fully fulfilled the terms but never received my {$400.00} bonus.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block these items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX Balance : {$3500.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$75.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.