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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX  || Account Number : XXXX - XXXX  || Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 Section 602 States I have the rights 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 mt written instructions.

15 U.S.C 1666B : A creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit report contains outdated and incorrect addresses. I have not lived at these addresses for several years, and they are no longer associated with any active accounts. I believe their inclusion may negatively impact the accuracy of my report. I request that these addresses be removed from my credit report to reflect my current information accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX a dispute was sent out to all 3 credit bureaus about inaccurate information on my credit reports and I have yet to receive a response or any deletion of the incorrect information on my credit report. I have waited 60 days or more for my credit report to be updated and nothing has been done. 
Needs to be Deleted XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX  # XXXX I HAVE SENT OUT SEVERAL LETTERS AND CALLED ALL three credit bureaus and I have not gotten any where my address and name, phone numbers nothing has been updated its all inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I payed off this credit card in may of XXXX, and than again in XXXX when they said i owed still a passed due amount so i paid that off and than didnt hear from them again til today when i get a notice from my credit union stating that they froze XXXX from my bank account. which was the first time that i heard from this company since aug. of XXXX. the money that they froze today was my insurance money from a loss of our garage to rebuild a new garage with. so i am not sure what to do.
Product: Credit reporting or other personal consumer reports

Recently a looked at a copy of my credit report and noticed several inaccuracies in my account. these accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.
Product: Credit reporting or other personal consumer reports

There's an account in my report that i don't recognize. it belongs to somebody else. please remove it from my report as soon as possible in compliance to FCRA. Thank you XXXX XXXX  account number XXXX date opened XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally dispute the accuracy of information regarding a charge-off account listed on my credit report. According to 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), all information in my credit report must be 100 % accurate. I have identified several inaccuracies associated with this account, which I believe violate these provisions.

Please find the details of the account in question : Account Name : XXXX XXXX XXXX  Account Number : XXXX Inaccuracies : Date opened High credit limit Credit limit Last reported Date last active Date of last payment I request that you conduct a thorough investigation of this account. If the inaccuracies are not rectified, I ask that this account be removed from my credit report as required by law. 

Please be advised that if this request is not fulfilled within 30 days as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), I will consider pursuing litigation to seek damages of {$1000.00} for each inaccuracy reported. I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I am writing to file a complaint against XXXX XXXX concerning their handling of my credit card account after my XXXX  XXXX XXXX account was compromised due to a data breach. 

Before the closing my XXXX  XXXX credit card account, I contacted both XXXX  XXXX and XXXX  XXXX XXXX and arranged a conference call to ensure that XXXX XXXX was fully aware of the situation. Despite this, XXXX XXXX reported inaccurate information regarding my usage and balance to the credit bureaus. This occurred because XXXX  XXXX XXXX closed my account and rejected my credit card payments. 

I request your assistance in resolving this issue and correcting the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX Bank credit card that I paid-off in two payments, one for {$300.00} on XXXX 2020 and for {$21.00} on XXXX. For some reason, the bank had a billing issue and XXXX XXXX Bank can not verify the {$300.00} dollar payment. For that the bank decided to label my account as delinquency due to no payment received and later as charge off. 
First, they never send me a letter or notice to clarify the billing problem even when I paid off, I already probe it, they had the obligation to contact me to resolve this matter. Second, they should not just label and report to the credit bureaus my account as charge-off, that hits my credit score and credit liability ; this can not be a change off because, if the {$300.00} payment was returned -not the case- I made a second payment for {$21.00} dollars leaving the account in good standing. 
This is not confusing, the account received both payments on time and is zero balance, can not be a charge-off because it doesnt fit on the criteria to label an account as collection/charge off, such as delinquency and period of time without payments. 
I tired to resolve this issue with XXXX XXXX Bank several times but every time that I try the representatives get confuse and do not provide a real solution. I requested an investigation, in one call they told me a investigation was opened and in a different call they told me they can not open a investigation if I dont send bank statements to confirm the {$300.00} payment was made, in a different call they said they already made an investigation but not providing any results. I am tired of this and the worst is that the charge-off is hurting my credit score ; I am about to close escrow to purchase a home, this can prevent me to close it and losing thousands of dollars in home deposit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Transunion has an issue with my name. Their system does not allow a single letter last name. However my name is structured like so : XXXX : XXXX XXXX XXXX XXXX This is on my Drivers license, Passport, Social Security. I have even submitted them proof how my name is structured. Over the past couple of months ( 9 months to be exact ) XXXX  has been sending them credit reports which has been auto rejected by them and I have been unable to get XXXX XXXX with them. I have a XXXX XXXX with XXXX so I am not sure why its so hard to accept the way my LEGAL name is structure. I have had numerous phone calls with their operators and their supervisors all unable to rectify my issue and they have been throwing me on a loop. I even have supervisor asking me to ask XXXX  to have my name reported Differently. This is shady and not acceptable. My name is tied to my social security so I XXXX understand why my LEGAL name is not accepted into their system. The lack of XXXX XXXX has been affecting my life and I need this resolved
Product: Debt collection

My Mortgage Company referred a debt to McCarthy Holtus without ever contacting me. When I discovered my mortgage payments were not made I attempted to make them right away. Mortgage company told me my home was already in foreclosure. When I contacted the public trustee 's office they confirmed my home was NOT in foreclosure.
McCarth Holtus told me file was too new and they had no information yet. They told me they would not accept my payment until after they filed foreclosure proceedings. I told them ( begged them ) to allow me to bring the loan current BEFORE filing foreclosure proceedings but they refused to accept any payment until they could add on additional legal fees not yet incurred, and also to file foreclosure proceedings against me.
They are aware that foreclosure has not been filed, fees have not been incurred and yet they refuse to accept payment in full until after they can assess fees and file legal proceedings against me.
Product: Credit reporting 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. 


Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting account number  XXXX  on my credit report. This account should not be on credit report. It is not mine and I already filed a CFPB complaint to get it off my credit report.
Product: Credit reporting or other personal consumer reports

POPULAR BANK is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( POPULAR BANK ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( POPULAR BANK ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. POPULAR BANK can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from POPULAR BANK for the cancelled debt of { { {$67000.00} } } in order to file as ordinary income. Where is my 1099-C POPULAR BANK is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! POPULAR BANK has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In POPULAR BANK terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and XXXX is not an affiliate of POPULAR BANK nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

I was laid off from my job in XXXX of 2016. I spoke to Capital One about my layoff to seek a hardship assistance program in XXXX of 2016 after unemployment ran out and I no longer had any money to make regular payments. Capital One told me that Unemployment is not a hardship and that I was not eligible for any payment reduction or hardship program, the also told me I could n't make a payment for less than the minimum amount they said was due. It did n't occur to me until now to file this complaint until I remembered that this agency even exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I call Transunion and their customer service would not help and take care of the negative inquires reporting on my credit report. They are as follows : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated : XXXX XXXX XXXX CARD. The inaccuracies are highly injurious to my credit score. In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Student loan

On Thur XX/XX/XXXX I received a call/voice mail from XXXX XXXX XXXX XXXX. I returned the call Thur XX/XX/XXXX to learn there is a student loan that is past due in my name. 

The Navient rep attempted to collect on the debt and confirm my address as being in Texas, which is not correct. 

Upon stating and restating have never lived in Texas I was provided the toll free number to call the Fraud Department and the call was terminated.
Product: Credit reporting or other personal consumer reports

I am not the who initiated these inquiries. I DO NOT have any idea regarding these UNAUTHORIZED and FRAUDULENT inquiries on my credit report. They are NOT mine.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway XXXX XXXX XXXX  XXXX -RESIDENT VERIFY XXXX I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act XXXX ( a ) [ XXXX XXXX XXXX ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report.
Product: Credit reporting or other personal consumer reports

If you look at my previous complaints. I've always stated that my credit will drop 30+ points for no reason once I get about 800 score. Now I have proof! Casual usage and excellent payment history will drop my score XXXX points which is inconceivable. 

My credit score DROPPED XXXX POINTS because my usage went from XXXX to XXXX. 

Respectfully,
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 consumer protection act ( XXXX ). 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 ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Checking or savings account

They won't let me have any of MY money. 2 weeks trying to withdrawal some of MY money from BUSEY BANK.
Product: Credit reporting 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 U.S.C 1681. 

XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 16815-2 ( 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

Credit score keeps dropping for no reason. Opened a new XXXX 's credit car and charged {$100.00} of which {$60.00} has been paid. I want to know why it has fallen 100 points when I have nothing derogatory on my report and all charges are paid on time??? Second request with no answer. Transunion had to correct the same situation 2 months ago and now XXXX  has lowered my score. It is a domino effect that snowballs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax needs to fix the issues about the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries that I am disputing : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. 



I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Product: Bank account or service

Opened a new account at Chase. Made my first {$9000.00} deposit and then three days later went to the bank to make an additional deposit. Was told by the Branch Manager that my account was restricted and could not be used and that she did not know why. She or I had to call the XXXX # to find out. Upon calling the XXXX #, they confirmed that the account was suspended because they needed to check the validity of the check that was deposited and contact the writer of the check.
Product: Credit card or prepaid card

Missed placed my kohl 's credit card. Called to get a replacement while on the phone I asked for a credit increase from {$500.00} to {$750.00}. The person on the phone check and after they ram my credit they up my limit. I received my new card and increase in the mail. Went to the store to make a purchase of a heating pad for my disability condition. They could not run my card or for that matter even locate my account in their computer. Frustrated I went home. I called kohl 's with no success. I did not receive a letter from them notifying me that the account.