23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting

I have previously disputed a New York State tax judgement on my Experian credit report. There is no record of such judgment in the New York state records. The judgment is is number XXXX. I would like this judgment to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is follow up to a case already filed with the CFPB, that number is : XXXX. The response received from XXXX was inaccurate, as well yesterday they reported to XXXX that my mortgage is 30 days late. Attached is verification of the report and the lines below are the inaccurate statements in the response, both of which fall under the heading Requested Clarification : 1. It should be noted that it was an error on XXXX XXXX side that my account was taken off automatic recurring drafts for my loan and that specific statement would be reported to the credit bureau. 2. There was no attempt by XXXX to contact me on XX/XX/XXXXor XXXX as stated, this is simply a false statement.
Product: Credit card

Kohls XXXX capital one ) Unlawfully reported a credit account # XXXX on XXXX that is NOT mine as social security numbers do NOT even match. Kohls XXXX capital one ) violated FCRA and state and federal laws and will be turned over to United States Attorney 's Office for criminal charges against Capital One and Kohls. As of today XXXX XXXX 2015 Kohls and Capital one owes me {$1500.00} for the FCRA volation and {$5000.00} for the punitive damages to my credit report and FICO score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Bankruptcy XXXX XXXX Reference # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I sent in a dispute to Experian for a collection account noted within my credit report for XXXX XXXX XXXX. I have never dealt with the company noted in the collection and have no knowledge of the account. Experian did not do a thorough investigation as I am entitled to under FCRA. The collection account is still under my credit report and I am unable to get more details due to Experian just closing my dispute without investigation
Product: Money transfer, virtual currency, or money service

I redeemed my points to purchase gift cards with American ExpressXXXX prior to closing my AMEX account. I was told that I would get the digital cards via email within 24 hours, but I didn't get any email concerning that. I tried to use AMEX website to get to the " digital wallet '' but it says " This account is ineligible for gift card redemption. '' I spoke to their customer service numerous time and all they say is use the link http : //www.ecerts.americanexpress.com to access the cards, but it takes me to the same error message above " This account is ineligible for gift card redemption. ''
Product: Money transfer, virtual currency, or money service

My PayPal account XXXX Has been permanently limited by PayPal.. 
I have XXXX $ on it I want to withdraw my fund but PayPal says I have to wait until 180 days ... my money is very important to me so I want to use my fund and also I want to use my PayPal account. 
Please do the best for me
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding the reporting of a collection account on my credit file. According to consumer protection laws, specifically 15 USC 1692c, 15 USC 1692 ( g ), and 15 USC 1681i ( 5 ), I have the right to accurate and fair credit reporting, free from any misleading or incorrect information.

It has come to my notice that a collection account has been inaccurately reported on my credit file, which violates my rights as a consumer under the aforementioned consumer laws. This misinformation not only impacts my credit score but also undermines my financial credibility and reputation.

Furthermore, it is disappointing to learn that Equifax is facing a lawsuit from the Consumer Financial Protection Bureau ( CFPB ) for failing to report accurate information. This legal action highlights the importance of adhering to the law and ensuring the integrity of credit reporting processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT :
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters asking them to verity the deft on my reports. They have send it back to stating that everything is verified correctly. My credit report is still showing inaccuracies. 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: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX XXXX, account # XXXX XXXX XXXXXXXX XXXX has violated my rights. 

5 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

I used their pay anyone to pay someone for a vehicle I was purchasing. I put the person phone number in & sent the money & immediately found out it was not the person intended for. The guys phone number was right but it was linked to someone elses account who neither of us knew. I immediately requested refund from the recipient & started a dispute. I provided all documentation that this person was not the intended recipient & that they were using someones phone number that has never had a Chime account. I sat on the phone w/ customer service as they started my dispute & the guy also called Chime customer service to try to have his number removed from the account. They did not remove the mans phone number from the persons account. I continued w/ my dispute & was told it would take 10 business days to come up w/ a decision based on evidence I provided. I even went as far as filing a police report on the recipient who account my money went to & was told the recipient was in fact in prison. 14 hours later, I wake up to an email from Chime saying my dispute was denied & immediately requesting another review & for them to email me documentation on how they could have denied me w/ all the information I had provided including police report. I was never emailed the documentation & also never received a response email from Chime about the review. I have since taken all money off of Chime but no longer no what to do about the {$2600.00} I have lost do to the features saying one thing & another one happening.
Product: Mortgage

Hello, After reading about the settlement with Wells Fargo, I felt it is worth a try to see if we are eligible for compensation on the foreclosure on our home. 
We purchased a home in XXXX. We put 5 % down and comfortably made the payments. 
Our problem started in XXXX when Wells Fargo applied {$2400.00} of a mortgage payment towards insurance. Thus placing us in default. We have always had insurance and our agent worked diligently to prove it. There was no need for Wells to take this action. 
For three months they routinely " missed '' the faxes that our agent sent. They wouldn't let us make a {$2400.00} payment til this was sorted out. This default put our loan from affordable, {$3000.00} to unaffordable {$4500.00} because of the interest adjustment triggered by the default. This put us in the cycle of trying to come up with a large lump sum to keep our home. We kept thinking that once they realized their mistake, things would be fixed.

At the end, Wells offered us the " chance to keep our home '' for an additional {$10000.00}. lump sum and a commitment to a {$6500.00} payment. At that point we gave up. 
We had borrowed from family to keep our home. We withdrew funds from our XXXX. 
All to no avail Then we realized that our mistake was to not have called an attorney the minute Wells misappropriated the initial {$2400.00}. Our home was foreclosed on in XX/XX/XXXX. It looks like we may be out of the date range for this settlement, but am interested in finding out if there is a path forward. For the record, once we did move out. We found a rental. Our payment? {$3000.00}. We would have gladly stayed in our home. But Wells wasn't interested in working with us at all.
Product: Credit reporting or other personal consumer reports

Remove All inquiries! 15 U.S. Code 1681a - Definition ; rules of construction
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was recently breached and as a concerned individual I believe Equifax is in complete responsibility in order anything happens to me financially.
Product: Student loan

I received a call from XXXX XXXX on moday XX/XX/XXXX like at XXXX where they told me that they were can I consolidate my student loan they even told me that they were going to remove {$190.00} from my bank account for 3 months and approximately {$19.00} or {$20.00} starting on XX/XX/XXXX. For a moment I didn't even think about that that call could be a scam. XXXX XXXX   is the company that lent me my student loan. I feel so stupid for giving them my 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 seen appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing this complaint because upon review of my credit report and consumer disclosure reports, I noticed an account on my credit report associated with a company called XXXX XXXX XXXX was being re-aged. The last time I paid on this account was back in the year XXXX between the months of XXXX or XXXX. The account was charged off on XX/XX/XXXX. Currently the date of last activity reports that I have been active on this account as of XX/XX/XXXX which is factually false, misleading, and inaccurate. This account has been exposed to fraudulent activity and I want it blocked and removed from all consumer reporting agencies immediately! It violates the FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) and FCRA section 605 for identity fraud. The account number for this account is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX andI have had a credit card account with XXXX XXXX XXXX for years now. All of the sudden they sent my account to a collection agency and i just settled my debt with them. Now XXXX XXXX is saying i still owe them money and they say im late on my payments when i never missed one
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Granite Bay Acceptance Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam I did not initiate any transaction or relationship with Granite Bay Acceptance Inc that would give them lawful access to my credit report. Under the FCRA, companies may only access my credit report for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. The unauthorized soft inquiry, while not directly affecting my score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law.

This unauthorized inquiry poses a risk to my personal and financial security, as it involved access to sensitive information. Granite Bay Acceptance Inc 's willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security.

Relevant Laws ; 15 USC 1681b ( FCRA ) : limits access to a consumer 's credit report to specific, permissible purposes. 15 USC 1681n : entitles consumers to statutory damages up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.

Requested Remedy, to resolve this matter, I respectfully request that : 1. Granite Bay Acceptance Inc ceases any further unauthorized access to my credit report. 2.Granite Bay Acceptance Inc compensates me with statutory damages of {$1000.00} for each unlawful credit inquiry in accordance with FCRA. 3. Take steps to prevent future unauthorized credit inquiries from occurring.

Failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law, including formal legal proceedings to recover damages for this violation. 

Thank you for your attention to this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act. The List of accounts 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 ( does not have all the account numbers ) and has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. ( XXXX XXXX XXXXXXXX has violated my right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2.It also states a consumer reporting agency can nor furnish an account without my written instructions. 

15 U.S. C 1681 c. ( 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Safe XXXX XXXX XXXX, Tennessee XXXX Date : XX/XX/year> Credit Reporting Agency Name : the credit reporting agency : XXXX, Experian, or XXXX ] Subject : Formal Dispute of Collection Account XXXX XXXX XXXX ( Account Number : XXXX ) To Whom It May Concern, I am writing to formally dispute the collection account reported by XXXX XXXX XXXX with the account number XXXX. I have identified inaccuracies and incomplete information associated with this account that warrant immediate investigation and resolution. 

According to the Fair Credit Reporting Act ( FCRA ), I request an immediate block and verification of this account until the alleged debt can be fully investigated and validated. Specifically, I dispute the following inaccuracies : XXXX. Balance discrepancies : The current balance listed as {$4400.00} differs from the original balance of {$4000.00} without adequate explanation or justification. 
XXXX. Payment history errors : The repeated listing of Collection statuses for overlapping periods ( e.g., XX/XX/year> and XX/XX/year> ) reflects a potential data reporting error. 
3. Verification of debt ownership : I have not received proper documentation verifying this debt, nor have I been provided with any evidence of my liability.

Given these inaccuracies, I request the following actions under the FCRA : 1. Immediately investigate the validity of this account with XXXX XXXX XXXX. 
2. Block this account from being reported until the investigation is completed and any inaccuracies are corrected.

3. Provide me with detailed verification of the debt, including a signed contract or agreement and an itemized statement of the charges. 

I have attached a copy of my identification and proof of address to assist with this process. Please resolve this matter within 30 days of receipt of this letter, as required by law. If the account can not be verified, I request its permanent removal from my credit report. 

I expect written confirmation of your findings and actions taken. You may contact me at the address above for any additional information or clarification. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

So here is the thing. Ive been trying to work this out since XXXX and nobody is helping me. Customer service has no answers. You can never reach a supervisor and they never call you back. I have sent over 50 emails with no response. I talked to a person at avant that said the company came to the conclusion the card was issued fraudulently. Fine. Now all i want is a letter saying im not responsible for the charges because avant said its fraud. One person tells you one thing and someone tells you something else. The agents constantly hang up on you. My next step is to contact a lawyer because ive had enough. Since avant investigated and said it was fraud i want my name cleared. I want it off my credit and i want the balance settled. This need to be worked out now!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX CO XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update from reporting. 
XXXX  XXXX {$0.00}
Product: Debt collection

I was incarcerated and a charge was charged on my account during the time I was XXXX. I did not authorize this charge and I do not have any authorized users on this account. This charge isnt mine doesnt belong to me and no way possible I could have authorized this charge for the fact that I was XXXX. I was XXXX  from XX/XX/XXXX to XX/XX/XXXX. Any charges between that time I didnt and couldnt have made and did not and do not authorize. I provided Care Credit Synchrony a letter of XXXX  to verify my XXXX  along with a dispute letter and they still continue to report this fraudulent charge on my account and credit report. These actions by Synchrony Care credit are negatively affecting my credit and does not reflect my complaint/ dispute which I have called in and reported to them, sent dispute by mail, and email as well. Please remove/ delete this item from my credit report immediately.
Product: Credit card or prepaid card

I purchased a mattress in XX/XX/2017 at 0 % financing for 12 months. 
The purchase then appeared on my statement as a regular financed purchase. I called XXXXXXXX XXXX credit department each month ( XXXX, XXXX, XXXX, XXXX & XXXX ) after receiving my new statement to resolve the problem. During each phone call I was promised the problem would be corrected and all interest charged thus far would be credited back to my account. 
To date, the problem still is NOT fixed. I am still being charged interest on the mattress purchase and the back interest still has NOT been credited to my account.