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

I am sending my CFPB Complaint to inform you that time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items and help me delete I am concerned of : XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX ; XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX. XXXX, XXXX ; XXXX, XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX 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 express my profound disappointment and frustration regarding the ongoing presence of fraudulent items on my account. 

Since then, we have engaged in a protracted process to investigate and rectify these fraudulent items. Regrettably, despite our sustained efforts, the fraudulent entries persist, which is wholly unacceptable. 

The persistent presence of fraudulent activity not only imposes significant stress and inconvenience upon me but also erodes my confidence in the efficacy and reliability of your institution 's security protocols and remedial procedures. As a loyal customer, I entrust your institution with the responsibility of safeguarding my financial interests and ensuring the integrity of my accounts. The continued recurrence of fraudulent incidents undermines this trust and raises serious concerns about your institution 's competence in addressing such matters. 

I implore you to take immediate and decisive action to comprehensively address this issue. This should encompass a thorough investigation into the underlying causes of the recurrent failure to eliminate the fraudulent items, coupled with the implementation of robust measures to prevent their reoccurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bill from XXXX XXXX XXXX Bank that was due on XX/XX/XXXX for the amount of ( {$28.00} ) which was my minimum payment Due. Because of COVID-19 and the lack of work I was behind a few days so I made a payment on XXXX  in the amount of ( {$250.00} ) which included a late fee which brought my account to a XXXX balance. After that I had not received any more bills from them which I wasn't expecting because I had paid the whole balance and had not made any more purchases. On XXXX I received an alert on my credit report that I was mark as 30 days late for a balance of ( {$6.00} )!!!!. I  called the company to explain why this had happened especially since I had a XXXX   balance the rep told me that it was interest. I then asked why did I have a interest on a XXXX balance. I was then put on hold and the rep came back stating that she wasn't sure why exactly why this had happened but that she would remove the ( {$6.00} ) charges which would clear my account. And that i would see if refelted on my account within 24-48 hrs. I then asked to speak with a supervisor or the credit reporting department so that they could also fix the error on my credit report. The rep told me that I would need to contact the credit bureaus for that to be corrected. I then asked why would I need to do that when the error was made on their end and the rep again said that she had cleared the balance but I needed to contact the credit bureaus to remove the 30 days late remark that had recently dropped my score 58 points. I explained to her that I had perfect payment history and had never had a remark like this on my credit and I needed it corrected. The rep was unsure what to do and disconnected the call.
Product: Bank account or service

In XXXX of 2016 XXXX charged my acciunt for a transation they claim I made in XXXX. I immediately filed a dispute with mmy bank ( CHASE ) They provided me with a credit, Today ( XXXX/XXXX/16 ) I wake up to an account in the negative by more than {$160.00} because CHASE took the credit back claiming XXXX would not give them back the money and that it was past the dispute perod anyway & gt ; So a merchant cqan process a FAKE transaction and as long as they back date it the consumer has ZERO protection? I have XXXX XXXX I need every dollar I have to survive
Product: Debt collection

On XX/XX/2024 Credit Services International hit my credit report for owing a debt for {$500.00} for XXXX XXXX XXXX. When I called Credit Services International they told me it was for some Texas address. I do not live nor have family in Texas. So this is from Fraud. They didnt care and yelled at me. Please help me get this off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is reporting an eviction on my report that is fraud XXXX is reporting student loan that is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed negative items on my credit report and didn't get a response back.
Product: Debt collection

On XX/XX/XXXX, I mailed XXXX XXXX letters concerning two accounts that were part of an account they purchased through an original creditor, XXXX XXXX. I expressed to them that the collection accounts that they had were fraudulent. They then sent me a generic statement saying that the accounts were valid on XX/XX/2018. 
I have filed my identity theft report through the FTC and also filed a report with my local police department. All three credit bureaus have deleted the XXXX XXXX accounts from my credit report. The fraudulent accounts that went to collections from the original creditor needs to be deleted. I need XXXX XXXX to delete the following collection accounts ; XXXX XXXX   Account Number XXXX XXXX Account Number XXXX {$2300.00} XXXX XXXX Account Number XXXX Midland Account Number XXXX {$1200.00} I have sent in numerous requests since XX/XX/2018 and it is now mid XXXX and all acts of civility are out of the window please help resolve this matter. 

Thank you in advance for resolving this issue in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate 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 investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

This is NOT my previous address and I have NEVER lived at this address : XXXX XXXX XXXX XXXX CA, XXXX I have asked for this to be removed and it still has not and there has been no response from the bureau.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number:XXXXConsumer Date of Birth: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 Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( 2 ) Collection Accounts opened at XXXX XXXX account XXXX XXXX bal {$170.00} and XXXX XXXX XXXX bal {$510.00}
Product: Debt collection

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account shows several incorrect amounts of late payments. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Account is over 8 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of last year I attempted to buy auto and home insurance with XXXX XXXX. company and was denied due to 2 accidents  on XX/XX/2022. I only had one accident on that day but Lexis Nexis reports 2. I attempted multiple times to rectify this situation, but they refuse to even consider fixing this issue. The last communication that I had with Lexis Nexis was by letter from XX/XX/XXXX and they state that their information was collected from the XXXX XXXX XXXX and will remain in my file as accurate. 
Upon contacting the XXXX XXXX this morning I have procured a letter from their agent stating that Lexis Nexis is incorrect and have the proof.
Product: Credit card

I purchased on my credit card ending XXXX, charge was activated in XXXX XXXX, I went through the link with green check mark. Today I was told 30 days from XX/XX/24, I called earlier a few times because most I get an email the same day and the green check mark turns to a rotating circle and then its credited. 


Original charge on XXXX XXXX XXXX XXXX XX/XX/24 {$37.00}, its crazy that this department has made me call a multiple times. XXXX, when you say rewards to this automated system it puts you into a circle and you cant get a rep. 

Today the complaint was filed with the representative and was given the number XXXX
Product: Student loan

I talked to a representative over the phone from Sallie Mae. I mentioned that I was unable to pay the current amount per month that was being asked of me. My payments do not start until XXXX of XXXX. The amount per month that Sallie Mae was requesting was close to {$1300.00} a month. When asked about a lower payment option as I am unable to afford that loan payment, I was told that there were no lower options. I could do for 3 months a repayment plan where 2 out of my 4 loans are interest-only payments, but that would still total more than {$1000.00} a month in payments. I was advised to make the payments or deal with the consequences of not paying and talking to a loan officer. When I asked to clarify they advised me that they did not have any other repayment loan options such as a salary based repayment, or repayment for those who are unable to make the current monthly payment.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2023
Product: Checking or savings account

on XX/XX/year> there were 4 transaction made on my account that i didnt make or authorize 2 charges for XXXX ea and XXXX for XXXX ea i made a transaction or {$100.00} that morning around XXXX and i had to have the customer service help me because i couldnt see that well shortly after that i was taken to the XXXX  i arrived at the XXXX  at around XXXX XXXX  i was signed in at XXXX XXXX  i was there till after XXXX XXXX  then went to the pharmacy then home these XXXX transactions were done between XXXX  and XXXX XXXX  i have proof that backs up that i was in the XXXX  at the time venmo denied my claim even my appeal because they dont want to admit they were wrong i can prove i wasnt around the atm they say i used i cant be in 2 places at one time, this has been a big problem i didnt even know these transactions had taken place my venmo mobile app wasnt working it didnt alert me to any transactions after getting home from the pharmacy i made a transfer from my venmo account to my pay pal account i sent it to the wrong account by mistake but i got that taken care of cause i knew the person they refunded my money but my app wasnt letting me see my transaction history or balance so i sent message to venmo and asked them about this they responded to me the following morning thats when i was made aware of these 4 transactions i file dispute right then i also cancelled my card and ordered a new one i told them that i was in the hospital and that i had not been able to find my card or my receipt and still has not been located to to this day at the time of my dispute i didnt have all my paper work they denied my claim and my appeal and there reasoning doesnt make sense i will send a copy of there decisions i hope you can help this is frustrating because it seems now they are messing with my account becaus its constantly being frozen and im not able totransfer funds to accounts i had no problem transfering to before they have been holding my funds for days at a time and they just keep making up excuses i will send all my papaer work that i have
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 


XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NV XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/202XXXX XXXX XXXX XXXX of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Equifax on XX/XX/2021 in regards to inaccurate and incomplete information on my credit report and I havent heard anything back in regards to that dispute. Please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for several months with XXXX & TransUnion items on my credit report. I am listing the accounts which are not mine and must be Deleted immediately from my credit report since it is causing problems with my employment and personal credit rating. 
1. XXXX XXXX {$440.00} 2. XXXX XXXX {$4000.00} 3. XXXX XXXX XXXX {$300.00} 4. XXXX XXXX XXXX  {$0.00} This account has a XXXX BALANCE and I am still receiving phone calls stating the Balance is {$5400.00}. I have No Idea what or why they are even contacting me.
Product: Credit reporting or other personal consumer reports

My report shows unauthorized hard inquiries. Please take action to remove them.
Product: Debt collection

Hi - I have raised a concerned with XXXX about my issue that the offer was not service as expected. 
therefore i have raised a case # XXXX on XX/XX/2019 with XXXX and till date there is nothing happened. 

I was offered buy a phone and get a phone deal from sprint and when i availed the service from sprint .... even post 60 days i did not get the offere from XXXX. 

When i called XXXX for help, they took the case, no action made on that .... upon several calls, they confirmed that there is no offer exist .... 

mainly the reason for me to go XXXX was the offer only ... 

XXXX case XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violates the customer 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 the 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 seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Compromise of Personal Information in XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally lodge a complaint concerning the compromise of my personal information during the XXXX XXXX XXXX, which occurred between XX/XX/XXXX and was publicly disclosed on XX/XX/XXXX. 
XXXX As a result of this breach, my sensitive personal dataincluding my name, address, Social Security number, date of birth, and driver 's license numberwas exposed. 
XXXX XXXX  Since the breach, I have experienced significant damages, including : Online Bank accounts : XXXX XXXX compromised and {$10000.00} missing out of account. XXXX did not protect me at all. After submitting all necessary paperwork required for a liable claim. They continue to deny due to the unauthorized use of my complete and entire credit file info was used to make these transactions. Due to Breach. 

Credit Damage : Unauthorized accounts have been opened in my name, adversely affecting my credit score. Despite my efforts to dispute these inaccuracies, my creditworthiness remains compromised. 
Emotional Distress : The ongoing threat of identity theft has caused me considerable anxiety and stress, impacting my daily life and well-being. 
Financial Losses : I have incurred expenses for credit monitoring services and identity theft protection to safeguard my personal information. 
I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to address the negligence exhibited by XXXX in protecting consumer data. I also seek guidance on any further steps I can take to mitigate the impact of this breach on my personal and financial well-being. 

Thank you for your attention to this serious matter. I look forward to your prompt response
Product: Debt collection

b'On XXXX XXXX XXXX, I sent a certified cease and desist and debt validation letter to Atlantic Recovery Solutions (ARS), requesting that they stop contacting me and provide full written validation of the alleged debt. According to USPS tracking #XXXX XXXX XXXX XXXX XXXX XXXX, the letter was delivered to ARS on XXXX XXXX XXXX.\n\nDespite this, on XXXX XXXX XXXX I received a text message from ARS instructing me to contact them regarding a personal business matter and referencing their internal file number. This is a direct violation of the Fair Debt Collection Practices Act (FDCPA) 1692c(c), which prohibits further communication after a written cease and desist request is received.\n\nARS has not provided any debt validation, nor acknowledged my written request. Their continued contact constitutes harassment and noncompliance with federal law. I am requesting immediate intervention and enforcement action to stop further violations.'
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violate my rights 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions|
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect ( high credit ) and the incorrect ( credit limit ) the ( incorrect date open ) the incorrect ( last reported ) the incorrect ( date last active ) the incorrect ( date of last payment ) for this account ( XXXX XXXX  XXXX ). Because these inaccuracies are being reported by your company and XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 

Attached is on updated report showing the inaccuracies Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have late payments in XXXX because of COVID 19. I was affected by it then the late payments reporting this year XXXX I have paid and they still reporting that I havent paid it but I have for those months.
Product: Debt collection

Just want to express that I am very concern and upset at this point. I havent had any response from American Express. I have been trying to solve this issue since XXXX of this year, and nothing has happened. 

I am complaining that American Express has done the following against the California Credit Reporting Act, and against my rights as a consumer : 1. Reporting different information across bureaus. 
2. Reporting incomplete information. 
3. Negligence 4. Unfair business practices, and some other violations. 

I want the following item to be completely removed from my credit report : the American Express account XXXX, opened XX/XX/2017 ; closed. 

Please send the attached documentation to American Express. 

Thank you!
Product: Credit reporting or other personal consumer reports

My information was exposed in the XXXX XXXX XXXX, and as a result someone used my info to open up some accounts without my permission. I am requesting to have these accounts blocked and deleted according to FCRA 605B within 4 days. Thanks so much for your prompt response