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

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

My report is stating that the accounts is charged off and closed. The accounts that I 'm referring to is with  XXXX   XXXX   (  No contract with ),  XXXX   XXXX  and   XXXX   XXXX  . I reached out to  XXXX  several times no account validation and account removal. This company is causing me financial hardships as it 's reported on my credit which is making it difficult for creditworthiness. I would like this item deleted of my credit report in fairness of my rights with the law and regulations of the FCRA.
Product: Credit card or prepaid card

So i've noticed my interset rate went up by half percent every month from XXXX XXXX so i called my istitution which was Chase Bank XXXX The answer i got its because of inflation interest goes up so the credit card company dont loose money. So how is it even lawful to change my interest without written notice to me 45 days prior first of all. Second of all inflation in a country everything cost more and credit card company charge you more so they recover. how about my salary. it stays the same. Card workers told me to read it in a XXXX XXXX XXXX about interest going up. Government needs to step up for little people
Product: Credit reporting or other personal consumer reports

The date of the letters is XXXX, the account number on the document is XXXX and the alleged amount owed is XXXX. 
I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws ( 12 CFR Part 1006 - PART 1006 / 15 U.S. Code 1692g ). If you need to please contact the creditor to obtain verification of this alleged debt.

Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid in Full, Upstart predatory loan. Have copy of Paid in full letter sent with Paid in Full amount to zero. Cashed check front and back of Upstart. And they are hurting my credit and still hounding me when this is paid in full want it off reports or corrected to help build my fico scores.
Product: Debt collection

Delete this account for failure to provide debt validation - Section 809 of the FDCPA ( 15 U.S.C. 1692g )
Product: Mortgage

We purchased our house in XXXX, and am up to date on payments. Today XX/XX/2019 ) we received a yellow card in the email addressing my wife, " you have recently closed on this mortgage with [ our  mortgage company ]. We need you to please call us about an important matter regarding this loan. This is time sensitive so please call us at XXXX as soon as possible. 

Mortgage ID # [ number ] '' There is fine print at the bottom that says " All information provided by XXXX, XXXX. Not affiliated with, sponsored by, and loan information not provided by [ our mortgage company. '' This appears to be a scam.
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts on my credit report, which I reported it to XXXX XXXX XXXX, NY CHILD SUPPORT ENFC XXXX XXXXXXXX XXXX XXXX XXXXXXXX, yet they are not removing these fraudulent account. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The followings are the fraudulent account : XXXX XXXX XXXX/ XXXX, NY CHILD SUPPORT XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX / XXXX.
Product: Money transfer, virtual currency, or money service

I received an email informing me : From : XXXX XXXX Amount : {$5.00} Method : Check Memo : XXXX Final Balance Estimated arrival : XX/XX/year> XX/XX/year>. This is FRAUD. I am not accepting any USD payments. I have no access to any banking products. I have been threatened by the bank with arrest. Send the money to this bankruptcy estate XXXX XXXX XXXX XXXX
Product: Debt collection

they are calling for someone named XXXX who appears to have had my number prior as this is a new phone ( 3 months ) also received from multiple other companies however they are able to remove my number. 
Bank of America said they can not remove the number as I'm not the account holder. they call frequently during the week.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was paid off and this account is now 7 years old. This is in violation of 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Checking or savings account

On XX/XX/23 I received a text from Bethpage Federal Credit Union that someone was trying to charge {$99.00} to my card from an XXXX XXXX. I said NO I did not authorize and they said card was blocked. I called bank next day and disputed other charges made at XXXX in XXXX - one for {$77.00} another for {$30.00} and another for {$150.00}. I also went to the branch in XXXX in person. 
They refunded my money pending an investigation. Last week the bank denied the claim for {$77.00} and for {$30.00} and sent a letter with a phone number and email to ask why. I have called and called and have not received a response. 
XXXX  XXXX they said they are denying my claim for {$150.00} because I didnt file the dispute within 60 days of finding out. But it is not even 30 days! I have all the documentation. Noone calls me back and noone answers the email. My mom went to the branch and spoke to the manager and no help there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX credit report and found Innovative Funding Services had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I purchased solar panels back in XXXX, Good leap is the company that financed the loan. The XXXX XXXX XXXX XXXX XXXX XXXX promised a lifetime warranty which is not being honored ( based on attached lawsuits I doubt it ever will ). Gooleap is allowing loans to be offered based with terms they clearly know are false. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I previously filed a complaint with this company, and they stated that they supplied me with the information that I requested. I went back to my past dispute, and the response that they provided was to delete from my card report. I am not understanding how they were able to reapply this to my report. I am now seeking financial compensation in the amount of {$10000.00}. I have not received anything that was requested to verify this debt.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Clerical error by XXXXXXXX XXXX : It appears there was a clerical error in how XXXXXXXX XXXX processed the payments. Despite making the payment on time, the account was incorrectly marked as overdue. I provided bank statements and payment receipts showing that the payments were processed. 
Evidence provided : I attached transaction records from my bank verifying that the payments were made on time, well before the XXXX delinquency threshold. I also included copies of emails from XXXX XXXX confirming that no delinquency notice was sent to me. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX  Auto Financing XX/XX/year> XXXX XXXX Auto Loans XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX Auto Dealers , Used XX/XX/year> XXXX SANTANDER CONSUMER USA Miscellaneous Finance XX/XX/year> XXXX XXXX XXXX XXXX Auto Financing XX/XX/year> XXXX XXXX Auto Loans XX/XX/year> XXXX car dealer passed around all my information. with out my consent. I was not aware of.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$57.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$6100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question or delete. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Product: Vehicle loan or lease

XXXX setup a payment for automatic draft on XX/XX/XXXX for {$790.00}. I was notified by Stellantis via email on XX/XX/XXXX the payment was returned by my bank. I made another payment on XX/XX/XXXX for {$820.00}. On XX/XX/XXXX two payments {$790.00} & {$820.00} posted from bank account. It shows I still owe a payment for XXXX and I should not. Stellantis has two payments but only giving me credit for one payment. I have sent in proof called and emailed multiple times and still have no resolution. I was told give it 24-48 hours for the system to update weeks ago, and still nothing. My accounts is now showing past due and I am afraid incorrect information is being reported to the credit bureau.
Product: Debt collection

According to the FCRA, credit reporting agencies are required to complete investigations within 30 days of receiving a dispute. However, it has come to my attention that your bureau is requesting an additional 60 days for resolution. This extended timeframe is not in compliance with the statutory requirements and is causing me significant distress. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. As a victim of fraudulent activities, I expected prompt and accurate resolution of my dispute to prevent any further damage to my credit history. The FCRA clearly stipulates a XXXX timeframe for investigations, and I fail to understand why your bureau has chosen to exceed this limit without providing a valid explanation for the delay. 

XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX .... - PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 

I kindly request that your bureau promptly review and rectify this situation, ensuring that the investigation is completed within the legally mandated 30 days. Furthermore, I insist that any fraudulent accounts refrain from reporting until a conclusive resolution is reached, as this delay is beyond the acceptable limits set forth by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Conns located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA XXXX FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conns has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
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 measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute a fraudulent account that appears on my Experian credit report, in accordance with Section 605B of the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ). 
The account details are as follows : Account Name : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/2023, Reporting Balance : {$370.00} I was recently made aware of this account and its activity upon reviewing my Experian credit report. I assure you that I have no knowledge of, nor did I authorize, the opening of this account. I believe that I have become a victim of identity theft, and this account is the result of fraudulent actions.
Product: Student loan

They said it'll take 2 months to show me loan payment history ie : all payments made after 2009 of US Department of Education to nelnet to accurately show This has been ongoing to nelnet for 5 days
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX CO on XX/XX/XXXX under the account number XXXX, an auto loan account opened at I XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX 
On XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX 
On XXXX XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX