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

I found errors on my credit report for both accounts below XXXX XXXX and XXXX  XXXX XXXX accounts. XXXX, XXXX, and Equifax are reporting information about me which are inaccurate. All three credit bureaus are reporting different high balances on this account and do not show the same opening date. As they are aware they can only be One high balance on an account and One opening date. 

All the 3 bureaus are in violation of 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ). The banking system is dependent upon fair and accurate credit reporting. 

DELETE the following accounts immediately for failing to comply with the FCRA. 

XXXX XXXX XXXX  XXXX XXXX.
Product: Debt collection

In XXXX I went to XXXX XXXX XXXX  to get XXXX  in my finger. Weeks later I received a bill for over {$1100.00} that I paid in full. In XXXX over 13 months later I received a bill from XXXX XXXX for {$5200.00}. I asked for an itemized statement on what the bill was for since I had not been back to the hospital, and never received any list of charges or reason for the bill. I have been in collection from an agency called Grant and Webber for a claimed debt from XXXX XXXX ever since. I believe this is incorrect information.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific accounts appearing on my credit report due to a data breach that has exposed my personal information. In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am seeking the removal of these accounts to protect my credit from any further misuse or potential harm. 
Accounts to be Blocked and Deleted : 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 XXXXXX/XX/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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address 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 cause significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in a fraud transaction that was proven to be no fault of mine. Later the financial institution sent me a letter of information that was sent to XXXXand said my report may need to be updated.as a result I was denied a checking account at XXXX XXXX. Also XXXX XXXX close my checking account when I had already made arrangements to clear a {$92.00} overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in Chapter XXXX Bankruptcy. I am filing this complaint due to inaccurate information being reported by Experian regarding my XXXX XXXX XXXX XXXX Account. Experian is saying that the information is correct and that XXXX XXXX reported the late payments and XXXX XXXX is saying Experian is reporting late payments. This account is showing 30 day late payments from XX/XX/XXXX through XX/XX/XXXX and XXXX and XX/XX/XXXX. All of these are inaccurate and is dropping my credit score significantly
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 : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account XXXX : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE XXXX to be on my credit report 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 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

I have been disputing this account for a long time now and all I want is to have this account removed from my credit report. US DPT OF ED ACCT # XXXX : I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX - Date opened XX/XX/XXXX - BALANCE {$480.00} XXXXXXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - BALANCE {$160.00} XXXX XXXX  XXXX XXXX # XXXX - Date opened XX/XX/XXXX - BALANCE {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX  XXXX XXXX  # XXXX - BALANCE {$390.00} XXXX XXXX  XXXX XXXX # XXXX - BALANCE {$1800.00} XXXX XXXX XXXX  # XXXX XXXX  # XXXX- BALANCE {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE {$500.00}
Product: Checking or savings account

In early 2019 I received a new debit card from Chase because my previous was expiring. The card was a " Chase Saphire Banking '' card. In the envelope, there was a note congratulating me on receiving the card, and a list of perks that came with it. Two of the perks were no ATM fees and no international transaction fees. Since receiving the card, I've been withdrawing money from ATMs, and using it while traveling abroad. A few months I noticed that none of these fees were being waived. I asked a banker at Chase in-person about this, and he said " don't worry, it will be credited at the end of the month. '' A few months later, I noticed the fees were still there. Total fees were ~ {$150.00}. I went in to the branch again, and they told me that my checking account was actually a " Total Checking Account '' - not a Chase Saphire account. They had no idea how I was able to receive the Saphire card, because it's only available for accounts  with $ XXXX. They said there were no notes in the account that showed the account was ever transitioned to Saphire, or that I would be receiving the card. The banker begrudgingly reversed the fees after saying it would be a " waste of his time. '' I'm filing this complaint in the off chance that this wasn't a fluke, and that other consumers may have also received this card and are unknowingly using it and collecting fees.
Product: Credit card or prepaid card

I previously filed a complaint about BOA in which they did give me the funds, then took back the funds, now the card is saying XXXX ( a purchase I made ). Therefore once again I am requesting a thorough investigation. Also in a conversation with the BOA representative, she laughed about the issue while in conversation and told me they had not checked any videos or followed up with the particular branch. Ultimately, that was money that was due to me. I filed a police report. BOA re-issued the money and now took it back now citing my prepaid card being XXXX  XXXX dollars. XXXX XXXX could not explain why they had issued the funds and then took the funds back. Also discrimination is playing a factor. Saying that the bank is in my " area '' so it had to me making the transactions and I have stated that I was never in receipt of the original card!!!! So there was no way this could have occurred. My only other recourse is to sue bank of america. Not only for the funds, but for the sheer accusations I would " steal '' my own funds which I never received is absolutely ludicrous.
Product: Credit card

Kohls Department Store Credit Card- When originally signing up it was advertised vocally by the cashier ( Who I assume is forced to push the card ) that I would receive 30 % off of my transaction on the day of my purchase, providing of course, that I am approved for the credit card with the store. There was no mention of fee 's, charges, or any monetary deficit on my end for getting the card. This however was not the case. After paying for my items in cash and being happy about the discount, I forgot all about the card. Weeks later it arrived in the mail. I put it in my wallet and never activated it nor did I ever use the card. 6 months later, I receive mail stating that I owe {$79.00} + over {$240.00} in fees to Kohls Department Store. This is odd considering that I never even activated the card, let alone approved any purchases with the card. I immediately reached out to the customer service department for the card to which the overseas representative said, and I quote " You owe this money and will pay it off today, sir. how would you like to pay this balance? '' Despite telling them that I never activated the card nor did I ever use or approve it for any transactions. I battled with them for 2 years before finally settling to pay the {$79.00} since this was the amount of the " 30 % off discount ''. I was assured that the card was now completely closed and that I was squared away with Kohls Department Store. Fast forward 3 months later and I have multiple credit alerts showing a major drop in my score from a new delinquent account. XXXX and behold- it was the same card but with a higher balance that last time! I have been scammed, robbed, and they have illegally damaged my credit score. My lawyer and his team has been contacted and is searching for more victims of this egregious scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Acct XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Debt collection

All conversations between myself or my husband with Roach and Murtha PC, were recorded by Roach and Murtha PC. 

Between XX/XX/XXXX and XX/XX/XXXX, my husband and I received several phone calls from a representative named XXXX XXXX who worked for a Debt Collection Attorneys Office called Roach and Murtha, P.C. ( He was NOT an attorney-basically a receptionist used to scare and threaten people ) XXXX XXXX called us many times threatening a law suit, lean on our home, garnished wages and also threatened to contact my husbands place of work over a debt that had nothing to do with his job. When we asked him to send over paperwork of this debt, he threatened to not send it directly to us, but to my husbands job Also, when we asked for proof of this debt we were told we were thieves and stole from out homeowners insurance company. ( very unprofessional behavior ) He nor anybody from this law office provided us with any written information about this debt. 

We then found out that XXXX contacted my husbands brother who # 1. doesn't live with us or in the state for that matter, and # 2. was not ever on any homeowners policy with my husband or myself. When asked why he contacted my husband brother he had no response. 

XXXX continuously told us we needed to pay him exorbitant amount of money or we would be sued. These phone calls were never resolved because we simply wanted more concrete information about the debt, and XXXX refused to to provide us with anything. 

The third time that XXXX called/harassed us about this debt, I asked to please talk to his boss because I was tired of XXXX 's rude and unprofessional behavior. He continuously would yell at me and demand money. When I asked to speak to his superior, he told me his boss 's name was Mr.Murtha.

I was never transferred to Mr.Murtha, but i was in fact transferred to a few other people who were all equally as rude and just demanded money from us. Their names were XXXX XXXX and some other guy named XXXX ( who hung up on me when i asked for some kind of proof of this debt ) After researching the Professional Profiles of Roach and Murtha PC, I found out that the last guy named XXXX was infact Mr. Murtha ( he never introduced himself to me as an attorney or that he was Mr. Murtha, just that his name was XXXX ) XXXX cause our family grief, anguish and stress. 

This attorneys office, Mr. Murtha and specifically XXXX XXXX go against all rules of the Fair Debt Collection Practices Act ( FDCPA ). They threatened our family and harassed us to no end. They violated many of the Basic FDCPA violations. 

I really hope this individual ( XXXX XXXX ) as well as the entire law office is investigated. Just because someone owes money, doest mean they deserved to be harassed daily and threatened.
Product: Credit reporting or other personal consumer reports

I am reaching out for what I believe is an invalid debt on my credit report since the court hasn't authorized the debt as valid yet. This eviction was filed last XX/XX/2022 and we're still waiting on the court hearing date. Therefore, it is still an open case. 

Additionally, this was garnered by a habitability issue and I best believe that the case will go in my favor. Please see attached files that support my side. However, I do understand that the case is still open and the outcome has not been determined yet. 

I have reached out multiple times to Transunion, XXXX XXXX XXXX but they wouldn't consider. I have not receive a response from the XXXX XXXX XXXX. How were they able to determine that the " Collection '' should be on my credit report when the Eviction case is still ongoing, we don't have a hearing date yet and no judge has ruled or decided on who should be responsible for the said collection. The apartment has inhabitable for months. I have submitted a counterclaim on Axial Buckhead that they actually owe me since I was not able to stay in the apartment that I was renting out because it was inhabitable due to raw sewage seeping through the ceiling. I had to pay for hotel stays, etc. for me to be able to stay in a safe and comfortable place. 

I just dont believe its fair that it is already reflected in my credit report, affecting my credit score when the case is still open and we dont even have a hearing date.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their handling of my identity theft report and subsequent request to block fraudulent information on my credit report. Despite fulfilling all the required steps as mandated by Congress, TransUnion has failed to comply with my request, causing significant distress and inconvenience. 
Details of the Incident : On XX/XX/2024, I submitted a request to TransUnion to block information on my credit report resulting from identity theft. The Account is with XXXX XXXX XXXX account number ending in XXXX. This request included all four essential documents as required by law : Proper Identification : I provided copies of my driver 's license and utility bills to verify my identity.

Identity Theft Report : I included a copy of the FTC Identity Theft Report obtained from IdentityTheft.gov, which also serves as an affidavit.

Identification of Fraudulent Information : I clearly identified the accounts and addresses on my credit report that were the result of identity theft.

Consumer Statement : I provided a detailed statement describing the identity theft and the fraudulent activities affecting my credit report.

TransUnions Response : In response, I received a stall letter in the form of a postcard from TransUnion, stating that they could not accept some of the information I had submitted, including the FTC Identity Theft Report. This response is unacceptable and contrary to the legal requirements set forth under : 15 U.S. Code 1681c2 - Block of information resulting from identity theft.

15 U.S. Code 1681q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.

Violations and Negligence : TransUnions refusal to accept my properly submitted documents and their failure to block the fraudulent information from my credit report constitutes non-compliance and negligence. Their actions ( or lack thereof ) are in direct violation of federal laws designed to protect consumers from the damaging effects of identity theft.

Request for CFPB Intervention : I am requesting the Consumer Financial Protection Bureau to intervene and address the following : Enforce Compliance : Ensure that TransUnion complies with the requirements of 15 U.S. Code 1681c2 by blocking the fraudulent information on my credit report.

Investigate Practices : Investigate TransUnion 's practices and handling of identity theft cases to prevent future occurrences of similar non-compliance and negligence.

Provide Resolution : Facilitate a swift resolution to this issue, ensuring my credit report is corrected and free from fraudulent information.

I have attached copies of all correspondence and documents submitted to TransUnion for your reference. Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXX XXXX XXXX XXXX and it needs to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Student loan

I have been trying to responsibly manage my situation with Navient, yet every time I call them and I speak with someone they ( the agent ) end up hanging up on me. Today I was being asked some questions that the agent told me could potentialy lower my monthly payments, but when I told them I was un-employed the last thing I heard was a grunt and they hung up. This is not the first time this has happened. On a seperate occasion last week I told them I was not capable of making large monthly payments, and when I was asked how much I could pay, I responded to the agent and he told me he would return my call. I never received a call from Navient in regards to that conversation. Now they are telling me that a payment I had agreed to make with them did not go through. I am trying very hard to be responsible given my situation with un-employment, while also trying to avoid any kind of delinquency but Navient is beginning to demonstrate some rather sketchy behavior. I feel helpless in this situation because I am trying to call, and I am trying to reach a solution, but I am recurrently being hung up on, and when I try to call back no one answers.
Product: Debt collection

I contacted Enhanced Recovery Company LLC after i was attempting to enter into a new relationship with a mortgage company and discovered that this collection agency had an open past due account with the credit bureaus in relation to my ssn. I contacted the company via certified mail XXXX 2015. I received no response within the required XXXX days, so I informed the company via certified mail that they were in violation on the federal law FDCPA 807 ( 8 ). I began to call the agency multiple times as a desparate attempt to resolve this negative mark that is preventing me from my mortgage approval. I received the attached letter in XXXX 2015 and that is the last communication between myself and the creditor. I informed them with several letters and multiple phone correspondances that I need this account to be validated or removed NO RESPONSE!
Product: Debt collection

I have requested proof of debt from collector for about 6 months. My last request was made XX/XX/XXXX. The hospital injured me and then tried to charge me to correct the problem, which they failed to do. They provided me no medical care on the dates in question XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX The hospital in question is : XXXX XXXX hospital and XXXX XXXX XXXX