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

I have an account on my Experian Credit Report that is inaccurate. It states that in the years of reporting the account, in ONE MONTH I was 90 days late. All months before and after were " on time ''. That is an impossibility. I have disputed the entry, and Experian stated they would investigate. I was told later that the investigation consisted of Experian asking the creditor if they were " sure '' about it. Of course they came back and said " YES '' ( so Experian says ), although the other two major credit reporting bureaus removed the entry. I asked for another investigation thinking Experian would take the investigation to a new level, but no ... they just asked the creditor again ( so they say ). 
Now they won't even listen to me, and they are spreading misinformation about my credit worthiness because they won't do a proper investigation. Can you please help me?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 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  have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told XXXX, Transunion, and XXXX to reinvestigate these accounts, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, balance on closed accounts, address and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 


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 : also states a consumer reporting agency can not furnish an account without my written instructions. 

Accounts on my report show as written off or sold to another lender. Therefore I would like the original signed contracts between me and and original debtors from the lenders who purchased said debts. if not possible within 30 days I would like these accounts deleted from my credit report
Product: Credit reporting or other personal consumer reports

I filed a lawsuit with Transunion because they refuse the remove the XXXX XXXX Account that they told me and the Department of Justice XXXX XXXX XXXX that they would update the balance to XXXX and delete the account. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have identified unauthorized accounts on my credit report that I did not open or approve. This appears to be a case of identity theft. Despite previous communications about this issue, these inaccurate accounts remain on my report, causing me significant stress and anxiety. These fraudulent entries do not reflect my true credit history or financial management capabilities. Dealing with this situation has been extremely difficult. 
If we can not resolve this promptly, I am prepared to take legal action to protect my rights and find a resolution. The presence of these erroneous items is a major problem, preventing me from achieving crucial financial goals like purchasing a home and providing for my family. I urge you to rectify this issue swiftly by removing the unauthorized accounts from my credit report. I sincerely hope we can reach a resolution soon.
Product: Credit card or prepaid card

Since Bluebird chose to close or lock my prepaid accounts, I can't withdraw a remaining balance of about {$250.00} of my own fund from the accounts. I wasn't able to connect to any Bluebird employee after my calls got transferred then ultimately got disconnected. I submit this request to respectfully request that Bluebird will promptly return my remaining funds in the accounts. Thank you
Product: Vehicle loan or lease

My complaint is a second time in USAA, they need to be investigated. I spoke with a man about my interest rate who gave me about a 5 % rate over the phone. I look at my consumer loan info and some how they've again adjusted the information to 6.9871 %. USAA knows I usually trade in my vehicle prior to it being paid off therefore changing my rate after signing my good faith estimate. Causing to pay off less if my loan upfront owing them more by the time I trade. USAA did this to me on the XXXX loan I had with them and now again on this one. This company needs to investigated further. The first time they denied it and showed me the signed document. I'm a loan officer and would know I qualified for better vs these terms. This is harassment and predatory, USAA is altering information which is something worth reporting to the FBI.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX has violatet 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: Mortgage

Seterus is refusing to send a payoff for my mortgage. I was discharged from chapter XXXX bankruptcy 7 months ago. I am now trying to refinance with another company and have put in 3 requests for payoff online through my portal. When the payoff never came I called and was told that they never received a request and that they would get it to me within 15 days. I have heard that before from then and never received the payoff. Also, per the RESPA rules they have to have it to me within 7 days. On top of that, they are telling me that my loan is in a 120 day review now that I have been discharged from the bankruptcy for 7 months. I am not sure why they are doing this but all the laws relating to RESPA that I can find point to pretty much everything they are doing being illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX - XX/XX/XXXX. I demand the deletion of these inquiries from my TransUnion report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify 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 updated from erroneous reporting in my file. 

XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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: Debt collection

Dear LVNV Funding, I am writing to formally request detailed information regarding the account you have referenced as being associated with my credit report. For verification and clarity, my details are as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX To ensure transparency and accurate record-keeping, I kindly request the following documents and details : 1. A complete payment history on the account, including all payments made, fees charged, and outstanding balances.

2. Documentation regarding the amount you paid to acquire this debt from the original creditor.

3. A copy of the original agreement or contract that I signed with the original creditor, including my wet signature.

4. Copies of any communication sent to me regard
Product: Debt collection

Good Afternoon, i first noticed that i had a collection open with Hunter Warfield, i contacted them what it was about and i was told that it was from a broken lease, and i replayed that i didnt terminate a lease with XXXX XXXX, and didnt renew my lease. i requested a copy of the claimed lease and they couldnt provide it. i asked if paying this would delete the collection from my account several times and every response was a blank message. can you please assist me with this, when i moved out of my apartment at XXXX XXXX XXXX, i was served with an evition notice either pay in 3 days or return keys. i returned my keys to the office in the drop box. i have attached a communication log from hunterand warfield
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to open a PayPal credit card with my info. I called the company and they closed it but it still shows as a hard inquiry in my credit report in  XXXX .  XXXX / XXXX / 17
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX for method of verification for a bankruptcy they are reporting. I sent a letter XX/XX/2019. I will attach at the end. I called and spoke with a rep and she reassured me they have until XX/XX/XXXX to send me a letter with the information. She told me the investigation team goes to the actual court and request the info. I received a letter in the time being from XXXX courts stating they do not report info to XXXX XXXX nor the bureaus. This is a violation of my rights on all levels. I asked them to remove from my file due to the fact that they can not validate the false information they have sold about me. This is unfair. Please assist me with this complaint. I asked them to send all documents used to verify this info and all methods they used since i have THE RIGHT TO OBTAIN THAT INFO
Product: Debt collection

In XXXX of XXXX, I applied for a loan and I was initially approved for {$5000.00}. Along with that approval, a subsequent offer for the credit builder program was offered. At that time, I agreed to join the program in conjunction with the loan approval. However, I received an email stating that my approval was only conditional and that I needed a co-signor to move forward with the loan. They sent me both the loan documents as well as the credit builder documents. However, the company made it abundantly clear that the documents were for information purposes only and did not constitute an approval until I got the co-signor and that included the credit builder document. I did not sign any document nor did I receive any money from the loan. However, in XX/XX/year> the company attempted to debit my account in an attempt to collect a debt which resulted in my account being overdrawn. This came as a surprise because when I asked the company to produce the documents stating what I owed they failed to respond and simply attempted to take money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written each company and all three credit bureaus to inform them that I have no regulation as to how any of these accounts are connected to me. I asked for proof of validation back in XXXX and have yet to get a response. I done get why or how any of this is actually legal. I have been victimized and I feel I have been mistreated and next I will seek legal assistance.
Product: Debt collection

I have this collection account in my XXXX credit report for {$730.00} from Spring Oaks Capital LLC I have file about XXXX disputes before with XXXX about this account not been mine I have asked them to send me any information they have about this account that will validate this debt and I have not received anything yet I have about XXXX  months fighting XXXX about this and they wont do anything to removed this account. I tried contacting the collector aswell but when I called the number they provided my call was directed to a company trying to make me subscribe to a debt relief program. I can provide all the disputes I have submitted before as soon as I can download all the reports I will upload them here
Product: Credit reporting or other personal consumer reports

Experian has not met its legal responsibilities under the Fair Credit Reporting Act ( FCRA ) to properly reinvestigate disputed information on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, highlighting issues such as not forwarding evidence provided by consumers, relying on unreliable responses, and failing to notify consumers about dispute results. These systemic problems reflect my own experience, where Experian has failed to correct or remove 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 Experians inaction violates federal law and my rights as a consumer.
Product: Credit card

On an ongoing basis, certain foreign merchants are charging me a 4.99 % markup on a currency exchange service that I am specifically requesting NOT be used. On the receipt, it says that I was offered a choice, but I when I ask the cashier " please do no use the currency conversion service, '' the merchants reply that their credit card machines do not offer the choice, that the markup is required. XXXX and XXXX seem to be in on this scam ( see attached receipts ). I do n't believe that Chase bank is at fault, I think that XXXX and XXXX are scamming both Chase and the consumers.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent money over XXXX for concert tickets after picture confirmation of the tickets for a total of {$500.00}. The person never sent tickets or responded. I reached out to Chase bank to try and get this sorted out and they told me they could do nothing about it and hung up on me. I do have a claim out with Chase but they seemed like they could care less about helping.
Product: Credit reporting or other personal consumer reports

I have contacted Bestegg Credit card account about an account that appears on my credit report thats not mine and has me as an authorized user. I never applied for this account and instructed them to take me out of their system and remove it from my credit report.

Bestegg responded back stating that the account is verified and is accurate and it belongs to me individually and will not remove it. I requested a debt validation and a copy of the application submitted to obtain the credit card but never received anything.
Product: Money transfer, virtual currency, or money service

I am filling 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 fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

On tuesday ( XX/XX/year> ) I had ( {$20000.00} ) wired to ( NAVY FEDERAL CREDIT UNION ) for a neighbor as part of a bussiness venture. I was told by my rep at my bank that it would take a little more time than normal bcuz of the size of the wire. So I waited until I believe wed or thursday of the following wk then asked my neighbor if the fundz had been deposited into his account & he said they had not. So I asked him to call ( NAVY FEDERAL ) & inquire as to why they had not yet been deposited. Bcuz of the time since that conversation I can't exactly recall his explanation from ( NAVY FEDERAL ), but fundz still had not been deposited. I then made a number of in person tripz to my bank to have them make inquiriez as to what exactly waz going on with this transaction. Someone from ( NAVY FEDERAL ) I believe it waz the wire dept told XXXX of my bank reps that certain documentation waz need to get the fundz returned, the documentz were sent but fundz were still not returned. I then decided to make a in person trip with my neighbor to ( NAVY FEDERAL ) bcuz fortunately their waz a branch not to far from where we live. A ( NFCU ) rep met with us & the situation waz explained to her, she made a call & had a conversation with someone I believe from their wire dept. Upon completion of her call she explained to us the fundz had been deposited in another member'z acct & that the member informed ( NFCU ) of the error & the fundz were returned to ( NFCU ). She then told me that my bank needed to send ( NFCU ) wire dept a request for return of fundz. I went to my bank & conveyed to the branch manager all that the rep conveyed to me. The request waz sent but thus far the fundz have still not been returned. It haz been well over a month going on two. I need to have my fundz returned to me & find out exactly wut is or waz the legal reason ( NFCU ) haz been able to keep my fundz & pursue legal action if this situation callz for it.
Product: Credit card or prepaid card

Capital One credit cards has had my account compromised 3 times in the same week and is unwilling willing to stop it. The fraud is using my ssn and dob and doesn't have my password. Capital One refuses to force the password. Worse using the XXXX   the fraud had started payments twice even a day after the first report to the fraud department. They refused to disable the XXXX   and continued to allow the fraud to continue to use it.
Product: Debt collection

I have been getting numerous calls on a daily basis from XXXX XXXX informing the call is an attempt to collect a debt. I do not owe XXXX XXXX any debt.
Product: Debt collection

The debt collection company has : - Called me at XXXX XXXX  by spoofing my work phone number. When I answered, they threatened that they were at my office to serve me with a subpoena. When I asked where they were, the woman provided an unknown address. I informed her that was the incorrect address. She replied with I am not going to play games with you and hung up. 
- Call me on a Saturday morning at XXXX XXXX, once I heard who it was, I hung up. 
- Called my Mothers number to state that they were trying to deliver something to me. I returned the call, and they stated that they would be waiting at my home with a subpoena.
Product: Credit reporting or other personal consumer reports

Please remove this credit account from my credit report immediately. This collection account is in direct violation of the legal document 1 5 U.S.C 1 6 8 1 ( Fair Credit Reporting Act )
Product: Debt collection

Collection is continuing to collect a debt with an erroneous balance and fraudulent charges. I 've continued to requested a detail statement of all principal charges and have gotten no response.
Product: Credit reporting or other personal consumer reports

In XX/XX/2022, XXXX XXXX XXXX ( ACS ) begun managing my private student loan from XXXX XXXX XXXX The balance at that time was {$5500.00} ( and XXXX cents ). Since then, I have made monthly payments of {$460.00} to XXXX. Currently, this loan 's balance is {$930.00} according to both my own records and XXXX ' website. However, the credit report I pulled today, XX/XX/XXXX, says the " Reported Balance '' of this account is, bizarrely, {$4100.00}. Not XXXX of the payments I have been making all year to XXXX appears on this report. 

I have also today submitted a dispute to XXXX and an e-mail inquiry to XXXX.
Product: Credit card or prepaid card

I believe Amex is not acting in the spirit of an unbiased arbiter in my dispute ( as mandated by the Fair Credit Billing Act ) with XXXX, because of its commercial relationship with the merchant. I am fearful of the eventual final outcome of this unfair process.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 TRANS UNION/ XXXX XXXX XXXX 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 a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a personal account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ),. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumeXXXX FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items.Inquiries ( XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Installment Loans XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX ) I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.