23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Credit cards often charge interest after the balance is paid off in the time allowed. I write them and they credit the interest to XXXX out the account. However, this is the third time in about 5 years this has happened to me. My concern is the untold millions of dollars or more that credit card companies collect by this practice. I strongly urge you to investigate, recover the money and return it to the consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My requests for proper verification and the removal of the bogus information on my credit reports have been disregarded despite the numerous written letters I have given to the three credit bureaux. I last wrote to the credit bureaux XXXX, XXXX, and TransUnion on XX/XX/2022, but I never heard back from them. It is evident from a copy of my most recent credit report that the credit bureaux disregarded my requests. The Credit Bureaus violated FCRA section 605b, which requires them to erase any accounts and information that were created as a consequence of identity theft. I contacted the FTC and reported the theft of my identity. I also included copies of the FTC 's Identity theft report. The below described fraudulent items are still showing up on my credit record. I'm hoping you can assist me out and get these things eliminated as soon as you can. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  I XXXX Balance {$500.00} XXXX Inquired on XX/XX/2022 XXXX  Inquired on XX/XX/2022 XXXX Inquiry : XX/XX/2022 XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint to the CFPB because Experian has refused to remove inaccurate information from my credit report. I have provided the official FTC report to Experian on numerous occasions over the course of 2 years asking them to remove the inaccurate information that has shown up on my credit report as a result of identity theft. I provided them XXXX copies of identification as proof of my true and accurate address. They responded to that complaint stating that they refused to remove the inaccurate information. 

This will be my final attempt to have Experian mitigate this issue before moving to litigation in the court of law, as it is a clear and direct violation of several consumer laws. The Fair Credit Reporting Act laws clearly state : 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

In addition to not removing the inaccurate information, they also violated the FCRA policies regarding indicating that I have disputed such information on my credit report. They have never indicated on my credit report that I have disputed the address. This is a clear violation of the following FCRA laws : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 62XXXX ( a ) ( XXXX ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.
Product: Credit card or prepaid card

Cash app is not giving my money back from a cash app user who scammed me I sent XXXX for clothes and never got them tracking number when I ask for tracking never got again I asked for my money back and the person who Im thinking I am buying from said she will tell her brother to refund me but never got it I sent a refund request he declined once I said I was reporting them I was blocked this was on or around XX/XX/22 I contacted my bank who still has yet to get my money back cash app needs to be shut down asap they are stealing consumers money and nobody seems to care XXXX  XXXX XXXX or Cash App
Product: Credit reporting or other personal consumer reports

My student loans were forgiven in XXXX ( per a letter to me from Mohela ), but the balance and updated status has NOT been reported to XXXX. I have disputed the incorrect balance three times, and contacted Mohela asking them to send XXXX the correct information. Mohela is incorrectly reporting the balance to XXXX.
Product: Credit reporting or other personal consumer reports

In line with the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the required documents, which include a photo ID, a utility bill, and a letter from an advocacy group supporting me with XXXX XXXX related to XXXX XXXX as outlined in XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that this information be removed from my credit report within four business days, in compliance with section 605C of the Fair Credit Reporting Act. I have provided my identification and the necessary documents from the list of acceptable items, with only two required by law. Additionally, I have included all required documentation and a victim determination letter as specified in section 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

On XX/XX/2023 I had an unauthorized debit transaction made on my account at XXXX totaling {$610.00}. I called Bank of America immediately and reported it. I was told I would receive a temporary credit within the first 48 hrs, but they refused to release the funds. Now every time I call they tell me it's tomorrow, and I called again today and was told that I didn't qualify to receive credit for the fraudulent transaction on my account. I have been yet to be credited and I need the funds for my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm complaining about have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX : {$240.00} Bankruptcy XXXX XXXX Filed on XXXX XXXX Reference number : XXXX XXXX : XXXX XXXXXXXX XXXX  KY XXXX Bankruptcy : XXXX XXXX XXXX on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired onXXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXInquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXInquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXInquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired onXXXX XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXXInquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am refiling my complaint with the Consumer Financial Protection Bureau ( CFPB ) using the correct ID, as I mistakenly uploaded the wrong ID during previously filing. 

To Whom It May Concern, This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues : This account is being reported as a loss yet there still holds a balance, and the company is continuing to attempt to collect on this alleged debt while two companies can not own the same debt. This account is in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 
XXXX XXXX Account Number : XXXX DELETE THIS ACCOUNT IMMEDIATELY in compliance with 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 

Account violated 15 USC 1692 ( g ) by failing to comply. Report any evidence related to this disputed account and DELETE THIS ACCOUNT IMMEDIATELY as per 15 USC 1692 ( g ). 
XXXX XXXX Account Number : XXXX Please comply with 15 USC 1692 ( g ) and provide any evidence or written consent bearing my signature authorizing the account. If none exists, delete this account from my report immediately. 

FDCPA Section 807 Violation Misleading False Reporting. 
XXXX Account Number : XXXX Under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and update the item in my credit file, showing payment history as paid on time. 

Non-Compliance with Validation Requests : You have failed to validate or provide evidence of my authorization for the disputed accounts as per 15 U.S.C. 1692g ( Section 809 ( b ) ). 

Failure to Cease Communication : Continued communication after my cease-and-desist request violates 15 U.S.C. 1692c ( Section 805 ( c ) ). 

Unlawful Reporting Practices : The reporting of unverifiable and unauthorized accounts constitutes a breach of 15 U.S.C. 1681i ( FCRA Section 611 ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, I am writing to address the persistent issues in my ongoing dispute, as detailed in my previous letters. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX XXXX XXXX  And the following unauthorized Inquiries : XXXX XXXX XXXX ( Finance ) XXXX  XXXX ( Bank ), XXXX XXXX XXXX XXXX XXXX ( Bank ), XXXX XXXX XXXXXXXX XXXX ( Bank ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Miscellaneous ), XXXX XXXX XXXX  XXXX I would like to underscore the legal foundation of my concerns by referencing specific laws : * 15 U.S.C 1681 Section 602 A : This section explicitly affirms my right to privacy as a consumer. 
* 15 U.S.C 1681 Section 604 A Section 2 : Clearly stating that a consumer reporting agency can not furnish an account without my written instructions. 
* 15 U.S.C 1681c. ( a ) ( 5 ) Section : Prohibiting consumer reporting agencies from including certain adverse information in consumer reports, with a specified time limitation. 
* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Emphasizing that a person should not furnish any information relating to a consumer to any consumer reporting agency if there is knowledge or reasonable cause to believe it's inaccurate. 
I urge you to conduct a thorough review of my case in light of these regulations, as it is evident that my consumer rights have been potentially violated. Your swift attention to this matter is greatly appreciated.
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. 

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.

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: Payday loan

Application accepted on XXXX/XXXX/15 for {$350.00} at $ XXXX pay period. Because I 've had payday loans before, with NO problems, I did n't think anything of this one. I called today ( XXXX/XXXX/15 ) to find out when my last pay date was because I figured it should be coming up pretty soon, and she said XXXX/XXXX/15, which was odd since it was opened in XXXX, I did n't think it should take 10 months to pay off {$350.00}. I went online to look at the pay schedule and calculated how much I will have spent by XXXX/XXXX/15. On a {$350.00} loan, I will have given this company {$1600.00}. She said they tack on the finance charge on every payment if amount is n't paid off in full. I 'm in Florida and I checked the XXXX 's website and this company is n't listed as being licensed. Another thing is, they said it 's a tribal company so it does n't have to adhere to state laws. I 'm trying to get rid of my loans and had no idea this XXXX would be lingering on for such an ungodly amount. I 'm tempted to close my bank account. I thought about paying more each pay period to pay down the loan but the more I think about it, and the more complaints I see about this company online, the more I 'm against doing that. My past payday loans were the same amount every payday with the last amount being the balance of whatever is left.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac-counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022 I attempted to have the debt verified via nototorized statement from someone with original knowledge of the debt, as well as something from the original creditor with my signature on it. this request went unanswered by Midland Credit Management, who then continued to attempt to collect on this debt. I have serious doubts that this debt belongs to me. I've since received a letter stating that legal action will be taken on XX/XX/2022 if the debt is not paid in full at that time. Again I doubt the validity of this debt and do not believe it to be mine. Also while attempting to get validation of this debt they continued to report it on my credit reports. In addition they've listed the account that they hold as " open & past due '' if this debt were mine it would be impossible to be open or past due after the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$250.00} XXXX   XXXX {$280.00} XXXX XXXX XXXX {$520.00}
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. 

Account Name : 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: Mortgage

RoundPoint Mortgage abruptly added Tax Escrow to my mortgage. They tell me I had {$410.00} in unpaid tax from XXXX even though I had no notice from my county about that.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence. I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law, and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2700.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$360.00}
Product: Credit reporting or other personal consumer reports

Identity Theft report # XXXX is attached to this complaint with the following fraudulent account that must be removed from my TransUnion consumer report : XXXX XXXX XXXX XXXX. acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Equifax multiple times and requested that the fraudulent accounts mentioned be removed. I have provided all the documentation required by the Fair Credit Act, as well as Equifax to have the right for them to remove the fraud accounts. I have provided a current XXXX XXXX Police Report that states both fraudulent accounts as well as the Federal Trade Commission Affidavit and the Federal Trade Commission File Report. Equifax has received this information and refused to remove the accounts as requested. Equifax is reporting fraudulent information to my credit report and I am requesting that the fraud accounts be removed. The two accounts that are fraudulent are, XXXX  XXXX XXXX XXXX // with the balance of {$9900.00} // Opened on XX/XX/2019 and XXXX XXXX  // with the balance of {$730.00} // Opened on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

This account is reporting incorrectly on to my credit report. If the account is charged off. I haven't received a XXXX form informing me of the charged off account that is reporting ( CO ) every month to the credit bureaus. I have no late payments to this account. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX CODE 1681 ( 2xi ) 15 U.S CODE 1666b 12 CFR 1026.13 ( BILLING ERROR RESOLUTION ) Late payment dates : year XXXX  XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX Charge off dates : year XXXX  XXXX : XXXX  XXXX : XXXX  XXXX : XXXX  XXXX : XXXX  XXXX : XXXX  XXXX : XXXX  XXXX : XXXX  XXXX : XXXX  XXXX XXXX CODE XXXX XXXX XXXX CODE XXXX
Product: Debt collection

I do not know what this debt is for, please verify the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX