23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was sent an email from your company saying the bank Fifth Third Bank had resolved my prepaid credit card issue. 
Since your email I have had phone calls daily, letters mailed to my house and a bad report on my credit. 
I received a letter from Fifth Third Bank saying the matter of them ( charging me late payment fees and interest on a card I requested closed, but they never did ) was fully resolved, this letter is dated XXXX. 

So now I am being harassed. I called them and told them of the letter saying it is resolved. They told me they don't care! 

And they keep calling, and now screwing up my credit!
Product: Mortgage

The mortgage service company, Specialized Loan Servicing, their website, https : //www.sls.net/, mistook reporting to my credit report that I have Forbearance/ Natural Disaster/ Deferred. However, I have paid my mortgage on time every time and I never apply for any Forbearance/ Natural Disaster/ Deferred for the mortgage. I had request from their website to correct the wrong information XX/XX/2021 XXXX XXXX. They respond they will review. Because I am refinancing my mortgage, so I called them XX/XX/2021, to request them correct the record and send me an E-mail or Letter to address I have never in Forbearance/ Natural Disaster/ Deferred. I need the letter to the refinancing lender. Their employee had confirmed I don't have any Forbearance/ Natural Disaster/ Deferred and will send me a letter and E-mail. However, I don't receive any letter and they still don't correct my credit report.
Product: Checking or savings account

I filed a complaint on last Thursday XXXX ID : XXXX ) because I saw a huge amount hold in both of my saving and checking account. But on the following day, Friday XXXX XXXX, I found that all my money was back and there was no hold. I called BOA ( XXXX ) again and the representative said that it was a mistake, system error, my accounts won't be closed. But today, XXXX XXXX, I logged into my mobile app and found out that my balance is {$0.00}. I went to local branch and the banker showed me that my account was marked with " closure at risk '' and gave me the XXXX because there's nothing they can do and also he doesn't know the reason. 

So I went home and called BOA claim department again, the representative gave me the same answer as last time I called, " because we have rights to do so, we don't need to give you any reasons. ''
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report and noticed there are a few addresses on there where ive not lived for years. My current address is XXXX XXXX XXXX XXXX and has been for the last 14 years. these are the addresses ive also gotten inflated amounts from these companies that i know i do not owe therefore they a hugely inaccurate in there credit reporting. 
Under 15.U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
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 and 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 information from the file of the consumer, or modify that item of information as appropriate based on the result of the re-investigation ; and ( ii ) promptly notify The furnisher of that information that the information has been modified or deleted from the file of the consumer, please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested this company remove addresses that I have not resided from my credit report. They have failed to do so and refuse to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am concerned about the accuracy and honesty od credit bureau 's data. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? " " The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Experian for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me XXXX XXXX XXXX XXXX. Additionally, the accounts were already closed and the banks have agreed to remove the accounts from my file. I need EXPERIAN to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the removal of the items. 

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

Experian continues to amaze me ( in a bad way ). 

They communicate to let you know your rights as a consumer ( which I assume they are required to do ) and then make it very difficult to address the issue on their website. 

I received an email letting me know I had the right to " opt out '' of Experian providing information on me to third party advertisers with a link to " opt out ''. Rather than the link taking me to a page that I could opt out on, it brought me to a page where I could subscribe ( for a fee ) to additional Experian services. There was no indication for how to opt out. I had to research this separately to locate a page on Experian which I think/hope completed this task. 

The recently did the same thing when I wanted to Unlock my credit report. Brought me to a page that offered me a subscription to XXXX XXXX XXXX  with NO mention that I could do this for free. Again, I had to research this separately to find the way to unlock my credit report. 

I believe these actions are being taken in bad faith by Experian and should be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late payment account was paid off as reflected by my proof. XXXX reported account was current and no past due. However XXXX and TransUnion does not. They are not reporting accurate information such as payment status, past due and date of last payment. and date of last payment. TransUnion and XXXX are in violation of the law and not reporting account in dispute their comments. 
A violation of Section 623 of the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, EXPERIAN, EXPERIAN, EXPERIAN, XXXX XXXXXXXX, XXXX 15 U.S.C 1681 section 602 A. States I have 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: Debt collection

These collections popped up on my radar in XXXX XXXX XXXX I have just recently dealt with identity theft back in XXXX. I have no recollection from these accounts. My family has a XXXX XXXX phone plan that I am apart of. I do not have my own XXXX XXXX  plan ever to make them try to take money from me. These collection accounts might have been picked up by these agencies to try to get money from me that I have never owed. They have attempted multiple times to call me and get money from me. I am sick of dealing with the leftover scars from my identity theft in the past. I'm a United States XXXX member and have been struggling with these collection agencies trying to collect money that I have never owed. Please help me and get them to quit asking me to pay these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXunknown amount XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXunknown amount XXXX XXXX XXXX XXXX XXXX 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

accounts not known to me or FTC violations : XXXX   XXXX XXXX XXXX Original creditor : XXXX  {$680.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$680.00} {$680.00} Payment Info Original loan amount {$680.00} Balance {$680.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX  XXXX XXXX  XXXX. 
{$710.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$710.00} {$710.00} Payment Info Original loan amount {$710.00} Balance {$710.00} Updated onXX/XX/XXXX Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$920.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$920.00} {$920.00} Payment Info Original loan amount {$920.00} Balance {$920.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$1000.00} Balance updated XX/XX/XXXX all were filed to FTC
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Transunion, my requests have been disregarded.

These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 


Incorrect Name - XXXX, XXXX, I INCORRECT EMPLOYER - XXXX XXXX
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 financial loss, and I seek appropriate redress+ for these violations.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$980.00} US DEPT ED XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$680.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1900.00}
Product: Debt collection

A debtor called me from Dynamic Recovery Solutions by the name of XXXX XXXX, and threatened me about a debt from XX/XX/XXXX. He stated my last payment was XX/XX/XXXX, and when I stated that I became unemployed shortly after that, and currently pay too much in student loans to handle any additional payments, he began revealing personal information. He literally threatened my credit and adding it to my credit history as he said " I see you have good credit right now, you have a couple of student loans, and it seems like you would n't want this held against you, but I can see you just do n't want to settle your debt. You are still being held responsible for this debt. '' I explained that I know my rights and it has been over seven years and he can not sue me or threaten my credit as it is past the statute of limitations, at which point he backtracked and continued to make back handed comments and insinuate that they would damage my current credit.
Product: Debt collection

I have sent a cease and desist letter to these debt collectors. They can not collect on this debt or sue me as statute of limitations has expired. This is harassment at this pointXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$870.00} under my married name XXXX XXXX. This debt was from like XXXX.
Product: Money transfer, virtual currency, or money service

I transferred the sum of XXXX XXXXXXXX from my XXXX bank account to transfer wise with the intention of moving that money to my comm bank business account! Wise transaction number XXXX XXXX imputed the correct bsb but I entered my personal comm bank account instead of my business this happened on XX/XX/year> Wise referred me to comm bank and commbank referred me back to wise. Wise told me the transaction had been complete and theyd reached out to commbank several times to initiate a recall. On XX/XX/year> wise told me You informed us that you've entered incorrect bank details for your recipient. Despite our attempts to initiate a fund recall, it was unsuccessful. The receiving bank confirmed their inability to reach the recipient for a response. Unfortunately, there is limited action we can take from our end, as submitting another recall request is likely to yield the same result. In this case, we advise you to reach out to the recipient bank to dispute and get them to response to Wise 's recall messages. In case if we have a response, we will reach you out.
Product: Debt collection

I CONSUMER XXXX XXXX RECEIVED A RESPONSE FROM SOUTHWEST CREDIT SYSTEMS FROM XXXX XXXX XXXX PROGRAM XXXX IN REGARDS TO AN ALLEGED DEBT FOR {$240.00} OWED TO XXXX. THE RESPONSE DOES NOT SHOW PROOF THAT I XXXX XXXX KNOWING AND WILLFULLY EXTENDED THIS CREDIT TRANSACTION. FURTHERMORE, THE ADDRESS LISTED ON THE ACCOUNT TRANSACTION ACTIVITY SHEET SHOWN AS EXHIBIT A IS NOT CORRECT. I HAVE NEVER LIVED AT XXXX XXXX XXXX XXXX, PA XXXX IN MY LIFE. LASTLY, SOUTHWEST CREDIT ARE IN VIOLATION OF 15 USC 1681M ( F ) 1. NO PERSON SHALL SELL, TRANSFER FOR CONSIDERATION, OR PLACE FOR COLLECTION A DEBT THAT A PERSON HAS BEEN NOTIFIED UNDER SECTION 1681C-2 OF THIS TITLE HAS RESULTED FROM IDENTITY THEFT. I AM 100 % WELL AWARE OF MY CONSUMER RIGHTS AND UNDER 15 USC 1611 ( 1 ) SOUTHWEST CREDIT ARE CRIMINALLY LIABLE FOR GIVING AND PROVIDING FALSE INFORMATION TO THE CREDIT BUREUS. I AM AWARE THAT UNDER SECTION 15 US 1640, SOUTHWEST CREDIT ARE NOW LIABLE FOR ALL ACTUAL DAMAGES BECAUSE THEY OWN THIS ALLEGED DEBT. THEY ARE NOW LIABLE FOR 2X OF THE FINANCE CHARGE WHICH IS {$480.00}. LASTLY, SOUTHWEST CREDIT ARE VIOLATION OF 15 USC 1692B ( 5 ) AS WELL AS 15 USC 1692B ( 2 ) BOTH MARKED AS EXHBIT B & C
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : Dispute for Negligence and Non-Compliance Under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute your companys failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which addresses negligence and non-compliance resulting in harm to consumers. 
Inaccurate reporting and failure to investigate a dispute. 
Under the FCRA, it is your responsibility to ensure that accurate and verifiable information is reported, and any disputes are handled promptly and thoroughly. The following demonstrates your failure to comply : Negligence : Failing to verify information or follow procedures outlined by the FCRA. 
Non-Compliance : The refusal to provide requested documentation. 
This negligence and non-compliance have caused significant harm, including financial loss, lowered credit score, and emotional distress. As such, I am holding your company accountable for these violations.

I request the following actions be taken immediately : Investigate this matter thoroughly in compliance with the FCRA.

Correct all inaccurate information in my file and provide written confirmation.

Provide a written explanation detailing the actions taken and evidence supporting your findings.

Failure to address this matter appropriately may leave me with no choice but to pursue legal remedies available under 15 U.S.C. 1681o, which allows for recovery of actual damages, attorneys fees, and other costs. 
Please respond in writing within 30 days of receiving this letter. Send all correspondence to the address provided above.
Product: Debt collection

Aargon Collection Agency is in violation of : 15 USC 1692 C ( A ), 15 USC 1692 D ( 2 ), and 15 USC 1692 C ( A ) I do not have any contract with Aargon Collection Agency and never received one after a request was made. What they sent ( a print out of an alleged bill ) is not acceptable and illegal.

This collection is INACCURATE and needs to be deleted immediately! I do not owe this collection company and have never signed any documents or agreements with them! This is in violations of the CDIA laws!. **This collection account is not accurate, verifiable, nor is it compliant to CDIA or FCRA laws. Fraudulent misrepresentation is a crime punishable by the law and you are committing it Also you are violating my consumer rights to fair credit reporting. Please delete this off my report! Let me remind you of the importance of removing any unproven claims from your reporting about this account. As the data reporting provider, it is imperative that you adhere to the minimal criteria required to report with the privilege to do so. Failure to meet these standards raises concerns about the validity of any and all claim that you make, especially with regards to the mandatory Metro 2 Compliance standards. As you are aware, these standards are clearly outlined in the CDIA 's nearly annual CRRG, which stipulates that any deviation from these standards risks compromising the integrity of the data.

I contacted them 4 times ( 2 mail, 1 email and 2 via mail ) and I never got the information needed. They also have a notarized letter coming to them that they can not ignore or I will file legal action.

Please DELETE ASAP!
Product: Credit card or prepaid card

I'm responding to CFPB case # XXXX XXXX case XXXX XXXX There was no place to add additional documents This case in hand was dismissed by Weitman, Weinberg, and Reis then vacated by XXXX XXXX XXXX therefore it should be removed from my credit report by all 3 reporting agencies As I've stated previously I was incarcerated from XX/XX/XXXX until XX/XX/XXXX and my balance with XXXX bank  XXXX XX/XX/XXXX was {$0.00} Someone stole my credit card when I was incarcerated and used this card Document # XXXX shows that on XX/XX/XXXX, I had been incarcerated since XX/XX/XXXX which had been 3 years 4 months and 28 days The statement from XXXX shows that I had a XXXX balance in XX/XX/XXXX and the charges started coming during XX/XX/XXXX Which is 6 months after I had been incarcerated XXXX in their response states someone made a jail call payment which was for {$26.00} and {$45.00}. So they think that makes me responsible for an additional {$9000.00} on other credit card purchases for one I was only one of millions of people throughout the united states incarcerated therefore anyone of millions of people could have made those jail calls for them and I'm quite certain if the person who stole my credit card information is stealing credit information, they more than likely know several other people in jail Another example it states on XX/XX/XXXX my credit card made a {$150.00} payment to XXXX XXXX XXXX ( XXXX  ) why would I make a payment to XXXX I didn't even have a kid in XXXX  in XXXX This is mere common sense if I was incarcerated how or why would I let someone run up my credit card. I hadn't been doing that with my credit. My credit score on XX/XX/XXXX was a XXXX. 
So after all those years of timely payments and building my credit score, all of sudden I just stopped caring about my credit score and let someone else run my card up. That literally makes no sense.