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

went to the the company website to dispute the wrong information but it didnt let me log in.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states, i have the right to privacy. 15 USC 1681 Section 604A, section 2 it also sates a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as Late, for any purpose.
Product: Mortgage

I received notice from Franklin Credit on my door on XXXX/XXXX/2016 that my home was going to be foreclosed on XXXX XXXX, 2016. I had received a letter dated XXXX/XXXX/2016 that i was awarded a repayment plan and had until XXXX/XXXX/16 to respond. I met with my HUD certified foreclosure counselor the day i received the letter and we found that my profit and loss statement that I submitted had income for one year but listed expenses only for one quarter which made my income seem much higher. We submitted a letter of appeal along with supporting bank statements to show that my income was not as high as they calculated. I called in to ask if they received the appeal on that was submitted via email on XXXX/XXXX/2016 the day i received the notice of sale and they said they had not. However I still had until XX/XX/XXXX to respond to their repayment plan. I re faxed the appeal that had been emailed and have not heard back. 

that they were foreclosing my property while my loan modification was in review. The sale date is scheduled for XXXX XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian documentation showing the payments on my report were not correct and that the car was current and paid off and asked them to reflect that my report showed that and they " removed '' the car being paid off which lowers my credit history on an older account that is paid off. Please add to my credit report that the car was paid off not in any late status.
Product: Debt collection

I sent the company a letter asking for debt validation and I did not receive anything from them. I received a collection letter a week or two after I faxed the debt validation letter to them, as if they were just assigned the debt, which is not the case. I faxed another letter disputing the debt on XX/XX/XXXX and I still have not heard nothing from this company.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and I realized I have damages on my credit report according to the 15 USC 1681 law the should not be any damages on my report its a defamation to my character
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries reporting on my credit report
Product: Credit card or prepaid card

I've called the creditor and they told me they would be reporting my account to all 3 buraues and that has not happened. Furthermore, they are still reporting a high balance of {$290.00} which I used this card once and then it immediately reported days later in XXXX. This amount was paid way back the and is still reporting the same balance. This is dragging my score down since the entire account is {$300.00} and the score basis off of how much open credit utilized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter-certified signature requests. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 


Accounts listed below please make adjustments XXXX XXXX XXXX XXXX Balance XXXX Auto loan This account is not delinquent or late account paid current please update or delete incorrect information. 



XXXX XXXX Balance {$1000.00} This account is not delinquent or late account paid current please update or delete incorrect information. 

XXXX XXXX XXXX  XXXX {$500.00} Balance This account is not delinquent or late account paid current please update or delete incorrect information. 

XXXX XXXX  {$1000.00} Balance This account is not delinquent or late account paid current please update or delete incorrect information. 

XXXX XXXX {$300.00} Balance This account is not delinquent or late account paid current please update or delete incorrect information. 

XXXX XXXX XXXX XXXX balance {$1500.00} This account is not delinquent or late account paid current please update or delete incorrect information.
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/2020, Somebody hacked my Cash App account and sent {$650.00} at XXXX XXXX. To a unknown person. I received a notification on my phone immediately and contact the cash app about the unauthorized transaction. The only way to contact Ca $ h Out is via email I sent an email regarding the On authorized transaction and reached out via XXXX. They told me they would not help me due to this unknown device has logging onto my account before. I stated that I can show the serial numbers to my phone to prove that was not me authorizing this transaction, I also have face recognition on my phone.After I sent the following email I Heard no response from Cash app. I googled the persons name the money was sent to and it looks like a fake person account. If you look at my previous history Ive never sent money to this person in the past.This is not fair to me as a customer whos had a long standing relationship with cash app. Ive never had this issue happened in the past and nobody is trying to help me
Product: Bank account or service

On XXXX/XXXX/15 Bank of America changed to XXXX. XXXX bank kept my checking account XXXX dormant savings while Bank of America kept my larger saving account and credit card. My payroll check is divided into my savings and checking. There in no Bank of America near me and my calls once I got through, a week later including visiting Bank XXXX XXXX with over XXXX people in the lobby on XXXX/XXXX/15 without being able to speak with anyone I found out yesterday that the only way I could transfer my money from Bank of America was to transfer the money with a charge. This was very deceptive in my eyes and have been totally blindsided and inconvenienced by Bank of America.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$1000.00} XXXX Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$15000.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28000.00} Status XXXX XXXX XXXX opened XX/XX/XXXX Balance {$4700.00} Status Account charged off. {$4700.00} written off. {$4700.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
COLLECTION MANAGEMENT CO Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9900.00} Status Collection account. {$9900.00} past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian unfreeze does not work. Have tried for days for my Credit Union to be able to look at it to approve of my car loan, and they keep telling me it's frozen.
Product: Credit reporting or other personal consumer reports

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification
Product: Credit reporting or other personal consumer reports

I monitor my credit scores and report through credit karma daily. Since XX/XX/XXXX, I have applied for two or three home equity loans based on a free annual credit report FICO score of XXXX. 
My home bank declined me stating my trans credit score was in the 500s. On XXXX XXXX my Trans Union score is over 600. Free annual credit report would not give me my Trans Union score. I called Trans Union customer service and they told me they could not help me unless I paid for it. 

My issue is that credit reporting agencies that I have access to are not corresponding with what mortgage companies or banks have access to. This is problematic on many levels, including the fact that when I apply for loans, I am applying with the preconceived notion that my score is fair to good. A hard inquiry is run, which in turn affects my credit score. so not only am I ineligible for a loan Due to inconsistencies with the credit reporting agencies, but my credit further suffers. 

How is it that I can not see my true credit report, but banks and mortgage companies can? I requested the report from my home bank, and they refused to give it to me.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented XXXX repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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 ) 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 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of all three of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Credit reporting or other personal consumer reports

According to FCRA section 605b. It is illegal to report any information on my credit profile without my permission. Please remove this negative item from my credit report. Thank you
Product: Credit card

I made a purchase from Saks Fifth Avenue online website on XX/XX/XXXX for items totally the amount of {$480.00}. I sent the items back. I never received a refund for the items I returned. I disputed this charge twice, most recently as of XX/XX/XXXX. The credit card company did not resolve the dispute and added the amount of {$480.00} back on to my Saks Fifth Avenue store credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pull my credit report and I saw A lot of credit inquiries I did not authorize
Product: Consumer Loan

this company has made several threats of harm to my bodily well being has threatened to beat up my ex husbands boss come to my home and kick the door down tried to break in my garage and i dont even have the vehicle i was just a cosigner on it
Product: Debt collection

Back in the early month of XX/XX/2022 I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. I kindly request this item to be removed completely, never to be added back again.

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially.

I want this account completely removed from my account and never to be added back again. The information reported to my account is all over the place, and appears to be fraudulent. I do not owe this company money. I have never heard of this company. Their record-keeping is inaccurate and is causing me great misfortune in my life because of it. Being able to use my credit for personal reasons is being inhibited and I can no longer wait for something to be done about this. I am open to contacting an attorney if necessary.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach since then my credit score and report has been compromised and impacted substantially. Please help!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries that have appeared on my credit report, which I believe to be unauthorized. The purpose of this letter is to request a thorough investigation and, if appropriate, the removal of these inquiries from my credit report. 


I have carefully reviewed my credit report from your bureau, dated [ XX/XX/XXXX ], and have identified the following hard inquiries that I do not recognize and did not authorize : XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX + All Banks XXXX Inquiry : XXXX XXXX, XXXX + Music & Records XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX, Old ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting a collection on my credit report that I never received any notice for. This is a violation of my 30 day right to dispute and they have not provided any proof that this collection is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX/XXXX  XXXX {$910.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$98.00} XXXX  XXXX  XXXX {$450.00} XXXX   XXXX  XXXX {$1200.00} XXXX  XXXX  XXXX {$560.00} XXXX   XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$77.00} XXXX XXXX {$10000.00} XXXX  XXXX {$1200.00} XXXX  XXXX  XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX  XXXX {$16000.00} XXXX XXXX   XXXX {$2100.00} XXXX  XXXX {$3500.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX {$600.00} XXXX   XXXX  XXXX {$1500.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Checking or savings account

Today II have contacted y'all to have some fees credited, but the agent told me she couldn't credit them fees for my checking and saving account because her system did not allow her to because I was issued a lot of credits for my saving account, and checking account in the past I need these fees to be credited back to me for my checking account XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS XXXX ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX XXXX PA ATM ID XXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX  CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} Total need to be credit is {$29.00} Saving account what needs to be credited is XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX NON-WF ATM BALANCE INQUIRY FEE XX/XX/XXXX XXXX XXXX  XXXX PA ATM ID TXXXXX CARD XXXX {$2.00} XX/XX/XXXX ONLINE TRANSFER TO XXXX XXXX EVERYDAY CHECKING XXXX REF # XXXX ON XX/XX/XXXX {$1.00} Total need to be credit is {$10.00} Saving account number is XXXX and checking account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled an account I had with XXXX that had gone to collections. The collection agency promised to close the account and show a XXXX  balance on my credit report once I settled the outstanding balance. After settling the account the collections agency ended up reporting the account with a charged-off balance and shows as still active. I disputed the information with XXXX to no avail, despite submitting documentation from the collection agency stating the terms of the settlement having been met. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance they are reporting inaccurate information to the credit bureaus and I want them to correct it. Last activity was XX/XX/2019 but they were reporting me past due thru XX/XX/2019. This is a joint account with my husband. We are in the process of closing on a home and because of this our credit score is being affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive received 2 unauthorized credit card in the mail and one letter from Best Buy saying that I applied for their card and I did no such thing! I am extremely stressed and am really trying to build my personal credit and have not made most of these inquires!
Product: Debt collection

in XXXX an account was opened with the company Uplift , inc a loan company, and a loan of $ XXXX was taken out using my name, social security number, and date of birth. I was unaware of this account until XXXX of XXXX and since then have tried to dispute the account with XXXX to no avail. I have also contacted the debt collection agency, ( XXXX XXXX XXXX XXXX ) that is now in charge of the account and they have only offered to reduce the balance owed forcing me to pay off a fraudulent account in order to have it removed from my credit report. 

Contact info for XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Credit reporting or other personal consumer reports

After downloading the app XXXX XXXX I've noticed some payments being recorded as late after paying off and closing the account for a synchrony bank credit card to which I have never missed a payment and actually made on time large payments. it is damaging my credit and making it a challenge for me to achieve financing. on time payments are extremely important. I request an investigation into these discrepancies and urge you to provide evidence, such as statements showing me these late payments. if you cant do so i demand that these payments to be updated correctly to all on time payments since I have made all of them on time and have payed off on time and closed the account.
Product: Money transfer, virtual currency, or money service

I have tried to get support beyond the XXXX help desk because I'm getting the same answer. They are refusing to do so. And any escalation requests are being closed out. 

I was scammed through an XXXX contract and have tried to get my account unlocked but being told that I have to remove the chargeback from the scammers cards ( they are not my cards and are not on the Google pay account any more ) I took a contract through XXXX for a XXXX XXXX to test an app 's micro transactions. After completing the test the cards were removed from my account. Google pay asked for verification of the cards used but since not mine I responded with my driver 's license and explained the issue Was told that my account was suspended until the chargebacks were removed. ( Which seems incorrect because what happened amounts to a scam ) I tried to contact the developer but my previous conversation was removed by XXXX. After completing the contract the developer was banned for shady business practices by XXXX. XXXX is not willing to help since they banned the company. The developer also did chargebacks on the purchases done in their app ( I didn't receive the purchases, it was done while logged into their account and then I was logged out ) I have asked to Google pay to removed the suspension and for a supervisor and both times have been denied. I am instead given the cookie cutter reasons that I need to provide verification and that I need to remove the chargebacks