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

Thank you for addressing some of the incorrect items on my file. However, there are still remaining items that need to be removed. According to FCRA section 605, you are required to remove any items listed in an Identity Theft Report. I am providing Identity Theft Report # XXXX. Under FCRA section 605B ( a ) ( 1 ) ( 2 ), you must remove any incorrect information from my file within XXXX business days of receiving : ( 1 ) appropriate proof of my identity; and ( 2 ) a copy of the identity theft report. Please ensure the removal of the following items : XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/2023 -- -- -- -- -- TransUnion : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$450.00}. I do not consent to XXXX or any automated verification methods. I expect your immediate attention to this matter and a response within XXXX business days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Account XXXX XXXX XXXX XXXX {$2500.00} and XXXX XXXX XXXX {$1200.00} To Whom It May Cancern ; I disputed the referenced accounts above on XXXX. The credit report of Transunion shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy ( 15 U.S.C. 1681b ) : certification of accuracy of information. If any information is deleted from a consumers file pursuant subparagraph ( A ), the Information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency, Additional information. As part of, or in addition to, the notice under clause ( a ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( Il ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracyor completeness of the disputed information. 
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. 
Your agency may avoid such action by immediately deleting this listing from my credit report. 


Thank you, XXXX XXXX
Product: Checking or savings account

I was scammed by a guy, presenting himself as a Bank of America representative about a purchase on my card. The caller ID said Bank of America. They could tell me the last four of my account numbers, my balances everything. And because he got me worried about my money and fake charges through the course of his, I ended up losing approximately {$3500.00} XXXX weeks before XXXX. I also found out shortly after that about XXXX XXXX admonishing the CFPB regarding an employee that emailed himself banking information from XXXX financial institutions. I take it Bank of America is one of those. And I take it. They had my information in front of them because how did they know that I was with Bank of America? How did they know my account numbers? besides the loss of money, the extreme worry and inconvenience that goes along with that. Im a retired XXXX that takes care of my XXXX XXXX son. I want my {$3500.00}. Thank you.
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 consumer financial protection act ( CFPA ) Specifically Cash App failed to take timely effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer ' act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1691i ( 5 ) Treatment of in
accurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1. ) During a phone call to Equifax after being verified the representative refused to update my current address. Please see attached signed Rental Agreement dated XX/XX/2021 ( XXXX ) During the same phone call with Equifax after being verified the representative refused to investigate disputes related to Hard Inquiries listed on my credit report, Stating they are a " Statement Of Fact ''.. 

FCRA Rules state that any information can be disputed and must be investigated. Credit inquiries made without permissible purpose can be removed. Additionally, the FCRA states you can sue for damages in the amount of {$1000.00} for each instance a company pulled your credit report without your permission. 

15 USC 1681b [ C ] [ 3 ] ( 3 ) INFORMATION REGARDING INQUIRIES Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

15 USC 1681s-2 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( 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 reporting, credit repair services, or other personal consumer reports

I opened a Loan with XXXX XXXX XXXX XXXX/XXXX/XXXX for a used XXXX Paid in full never late and it reports to XXXX and XXXX XXXX  but Equifax removed it along with other positive items from my credit report only to report negative collection items with around 19 inquiries due to identity theft. According to the FCRA the XXXX XXXX XXXX Auto loan needs to be reporting and the collection medical bills along with the inquiries need to be blocked since I filed an Identity Theft report and my file is being improperly handled by Equifax office of consumer affairs.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute XX/XX/2016 regarding an account on my credit report, XXXX XXXX, indicating the date on my credit report is wrong. That account is more than 4 years old. It is dispute # XXXX. 

While I dont have proof on an account that old, I know its while i lived on XXXX XXXX XXXX In XXXX XXXX MD, which is atleast 6 -7 years ago, making that account close to dropping off my credit report. 

According the the FCRA, theyve had 30 days to reply to this dispute, and I'm nearing 3 years.
Product: Credit card

Hi, I filled a dispute with XXXX XXXX for {$10000.00} and that dispute was in my favor. I have attached the email confirming from tthe member services that my membership is closed and dispute was in my favor. Now I am contacting Amex and theg are saying they have not received the money, but the merchant keeps saying the money was sent to the bank. Please assist me with this dispute. 

We had purchased weeks of vacation and also membership of XXXX. When we got access to see in computer what was offered in the XXXX  membership we didnt like it and we went to the office next day to cancel the membership. We cancelled the membership and filled dispute the next day of signing up. Our card was caharged on XX/XX/year> and we filled dispute on XXXX XXXX with American Express.
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting Aidvantage ( Account Ending in XXXX ) To Whom It May Concern, I am writing to formally dispute inaccuracies related to the reporting of the XXXX  account ending in XXXX on my XXXX credit report. The payment history for this account reflects a sudden 90-day late payment in 2018 without any prior progression of delinquencies ( e.g., 30 days late, 60 days late ). This reporting is inaccurate, misleading, and constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Information 1. Sudden 90-Day Late Payment in 2018 : The accounts payment history transitions directly from Current to 90 days late in 2018, without any prior delinquency markers ( 30 days or 60 days late ). 
This lack of progression contradicts standard reporting practices, which require accurate representation of delinquencies.

2. Negative Account Status : The account is marked as Negative, despite being reported as Current in subsequent years. This contradiction unjustifiably harms my creditworthiness.

FCRA Violations 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy in the information they report. Reporting a 90-day late payment without evidence of 30-day and 60-day delinquencies is inaccurate and misleading.

2. 15 U.S.C. 1681i ( a ) : Upon receiving a dispute, XXXX must conduct a reasonable reinvestigation. If the information can not be verified as accurate, it must be corrected or deleted. 

Requested Resolution To resolve this matter, I request the following actions : 1. Immediate Correction or Deletion : Remove the 90-day late payment from 2018, as it lacks supporting evidence of prior delinquencies.

Update the account status to reflect its Current standing and remove the Negative designation.

2. Verification Documentation : Provide documentation from Aidvantage verifying the accuracy of the reported payment history, including evidence of a 30-day and 60-day delinquency prior to the 90-day late payment.

3. Written Confirmation : Provide written confirmation of the investigation results and any updates made to my credit report. 

Supporting Documentation 1. A screenshot of the XXXX account on my credit report highlighting the discrepancies.

2. A copy of my government-issued ID and proof of address for verification. 

Next Steps Under the FCRA, Credit Bureaus are required to investigate this dispute within 30 days of receiving this letter. If the reported information can not be verified as accurate, credit bureaus must delete it from my credit report immediately. 

If this dispute is not resolved promptly, I will consider additional actions to enforce my rights under the FCRA, including seeking compensation for damages caused by the inaccurate reporting. 

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

Sincerely, 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

I have obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX BANK XXXX # XXXX with the amount of {$2800.00} I have already reported the incidents to the credit bureaus ( Equifax, XXXX and XXXX ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.
Product: Payday loan, title loan, or personal loan

I explained more than once that I had to have XXXX and was unable to pay in my loan. They call me 30-50 time in a row each day. I have had to block them because of repeated calls. I have asked them to stop and they continue daily, and have been contacting friends.
Product: Debt collection

told them to give me the original contract and signed contract by me, and debt validation letter by original company creditor. 
proof of the debt was sold and paid for in XXXX in XXXX. 
in code violation. 15 USC 1692c ( a ). XXXX XXXX XXXX is a company that is trying to collect a debt from me. stop and return my house. 
15 USC 1692 c ( a ) the payment was made in full in XXXX, XXXX in the original creditor. and paid in full. 
15 USC 1692d ( 2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX  property : show the original contract : show creditor info of the first contract : show Payment of history of the first contract that I signed. : proof of of ownership.
Product: Debt collection

On XXXX XXXX, 2017, I received a phone call from XXXX XXXX XXXX XXXX ( a PayPal debt collection company ) at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account showed up on all 3 reports I have sent all the info to have it removed and XXXX  and XXXX  deleted this but equifax will not.Pls Help I have disputed and filed a police report and its still there.Can someone pls help me
Product: Credit reporting or other personal consumer reports

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This included but is not limited to : XXXX. My academic records and personally identifiable information ( PII ) XXXX. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including XXXX XXXX history and loan and XXXX information. 
XXXX. My IRS tax transcripts were obtained and used without proper authorization. 
These actions violate my rights under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, and XXXX XXXX of the XXXX XXXX XXXX, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Money transfer, virtual currency, or money service

During the month of XXXX and XX/XX/2024, I shopped on XXXX and purchased several items from the same seller. Consequently he refunded several shipping fees to me that were charged with each individual transaction. He consolidated shipping so consequently refunded shipping fees. These refunds posted to my PayPal " Activity '' in XXXX and XX/XX/2024, beginning on XX/XX/XXXX to the present. Several of these refund bank transfers indicated " completed '' by Paypal, but these transfers were never made. I have contacted PayPal more than once about this. They said they would investigate and get back to me soon. That has not occurred. I am a XXXX XXXX XXXX XXXX  living on social security. Consequently, I need these funds refunded immediately. My complaint falls under bank transfer refunds never made by PayPal to my XXXX checking account XXXX XXXX credit card on file with Paypal. PayPal has all of the referenced XXXX and XX/XX/2024 transaction id numbers, dates and amounts. I have provided PayPal with all of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I looked at my Equifax report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 


XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Student loan

Navient has outrageous interest rates. I was on the income driven plan that paid {$230.00} in interest only payments. The only reason they made a deal with me was because I was late on a payment or two. I tried calling previously and said they would n't be able to do anything for me because I could pay the {$500.00} a month payment. In order for me to get a lower payment, they extended my loan term to 40 years. There is no way I will be able ever pay off my student loans. It 's cheaper for me to stay in school at least part time than it is for me to repay my student loans.
Product: Credit reporting or other personal consumer reports

I had to travel for a funeral and found a company that helps veterans with flight fees. On XX/XX/XXXX I saw on my credit report that the account was showing a 30 days late payment XX/XX/XXXX and 30 days late XX/XX/XXXX. I emailed XXXX XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX. Additionally, I called XXXX XXXX XXXX XX/XX/XXXX to ask for this inaccurate information to be updated. I was given a confirmation email stating that if I paid XXXX XXXX XXXX  {$1100.00} ( my remaining balance in full ) they would remove the inaccurate information. Here it is, XX/XX/XXXX, and the account is only showing as closed with still late payments. This is effecting my credit score and my life.
Product: Payday loan

Just got off the phone with XXXX, called to see if I could get on a extended payment plan as stated on the website of the CFSA and under facts and myths about payday lenders on the Check n Go website. I was told that EPPs are not offered in Ohio for online loans, so does this mean they do n't follow Ohio law? I have rolled this XXXX dollar loan over 7 times at a cost of XXXX dollars! When all is paid back I will have paid XXXX dollars for a XXXX dollar loan and they wont work with me at all, only if it goes into default which will cost me bank fees and additional fees with Check n Go. Now I know all will say why did you take loan out in first place? Well I am kinda stuck in a vicious cycle cant get out and I want to badly by doing the right thing and paying it back, just asking for someone to work with me.
Product: Debt collection

I called a XXXX in which I had a credit card with them 5 years ago and want to pay the XXXX I owe to establish my credit. They referred me to XXXX XXXX, XXXX XXXX referred me to another company at that same time they stated that I also had another account on my credit and I said that I had no idea what that was I asked if they knew and they stated they could not see in the computer but to call Allied. I called allied and they stated that there is a XXXX XXXX XXXX account from 10 years ago. I told them ten years ago I was in jail and it is impossible that the account is mine. I told them that it had to be identity theft and I also told them that under the FCRA that it was outdated and they should not be trying to collect. The guy on the phone who I could barely understand said well what do you want me to do? I said I want you to delete it immediately. I am writing you because this is outrageous. I need to get this situation rectified. I am trying to buy a home and it is impossible to buy a house without these credit companies and debt companies following the laws.