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

I am now requesting a fourth investigation into this matter. This account XXXX XXXX XXXX , was charged off in XX/XX/XXXX. Since then I have requested several desputes to correct or remove the wrongful reporting information on this account. If these items are not removed or updated. I will promptly sue your reporting agency {$1000.00} per violation. 

This account was opened In the year XXXX and from XXXX through XXXX there are no positive payments reporting on this account. This is willful negligence violation. 

This account was charged off in XX/XX/XXXX. And the constant reporting of C/O every month for 4 years straight is illegally updating the statue of limitations. This as well is willful negligence violation causing me to be denied credit as this is showing potential creditors that this is a new C/O on my report. Which is grossly incorrect. 

I will pursue legal action under FCRA section 623 if this matter is not resolved. 



( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer repo ting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, re- port those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ;
Product: Debt collection

I don't have any debts or credit cards because I don't even have a credit score. Credence Resource Management has continually called our number, even after I blocked it, but they still manage to let me know they called because my phone has to use a 3rd party call blocker. I am taking care of an elderly patient with XXXX  XXXX, I have no credit of any kind, nor have I ever had a loan. I'm too young   to have any as I haven't even been able to seek employment due to being the XXXX  XXXX. My number is super private and only used for emergencies. Yet this company continues to call me around XXXX every day while I am taking care of my family member, making my stress much higher than it should be.
Product: Credit reporting or other personal consumer reports

I am requesting that the account XXXX is removed from my credit report. I notified Experian, XXXX, and XXXX that they were reporting inconsistent dates for last reported and date last active. I have attached documentation from XXXX XXXX showing that the account was XX/XX/XXXX. There was a payment made to settle the account in the amount of {$640.00}. XXXX is still reporting this as a charge off which is a FCRA violation. XXXX has also re-aged this account by reporting that the date last active was in XXXX which is obviously false when the account was charged off and settled in XXXX. Furthermore, the payment history is inconsistent between all three bureaus which is another violation. Due to the many inaccuracies please remove this account from my credit report.
Product: Debt or credit management

Why do I have to have XXXX  XXXX  on my report? Its a hard inquiry and would like to do away with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to complete a proper re-investigation into my disputes. I have submitted multiple disputes for the same account over the past few months and the company continues to only state that the account is " updated and verified as accurate ''. H How can an account be verified as accurate when there are obvious inconsistencies being reported. Transunion has violated my FCRA rights and are NOT completing proper investigations. 

How can an account be opened AND be reporting as 120+ days late in the same month? Make it make sense. I have given Transunion ample time to correct this obvious incorrect information and they have chosen to blatantly NOT investigate properly. This account is continuing to cause harm to my consumer credit file based on the negligence of Transunion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I have beg you for years to expose the scammer that used my identity to get a loan and used credit cards in my name and you finally provided one of the perpetrators and you fail to put the information on the portal please put the details on the consumer Financial Protection Bureau Portal not just email to me but also post it here too. You are fraudulently telling me to use XXXX XXXX XXXX  last four numbers of their SSN number as password to get details again I don't know XXXX XXXX XXXX and never gave them any authorization. Please post the details on this portal. 


Email from XXXX Came to me- XXXX at XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number - XXXX XXXX You appear to finally festing up and should follow FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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 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

Dear Conn Appliances , Inc . 

I am writing to dispute inaccurate information associated with an account from Conn Appliances , Inc. listed on my credit report. The details of the account are as follows : Creditor Name : Conn Appliances , Inc . 
Account Number : XXXX Account Type : Secured Loan Current Balance : {$2600.00} ( reported as past due ) This information is incorrect, as there are discrepancies in the reporting of the account status, balance, and payment details. Additionally, I understand that the associated Conn Appliances store has closed, and I am unable to reach them for clarification or resolution. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. I am requesting : 1. Verification and Validation of Information : Please investigate and verify the accuracy of this account information. This includes providing any documentation or account records that confirm this balance and status as correct. 
2. Immediate Correction or Removal : If the account can not be verified accurately, I request that it be removed from my credit report to prevent further damage to my credit score. 

Please notify me of the results of your investigation in writing within 30 days. If corrections are made, I also request an updated copy of my credit report reflecting these changes. 

Thank you for your attention to this matter.
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 's rights to privacy confidentiality under 15 U.S.C 1681 section A. States I have a right to privacy.

-15 U.S.C 1681 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions. Period.

15 U.S.C 1681c. a ) section 5 ). States : no consumer reporting agency may take any consumer reports containing any of the following items of information, any other adverse item of information, other then records of conviction of crimes which outdated the report by more then 7 years.

15 U.S.C 1681 1s- 2 a ) States : a person shall not furnish any information relating to a consumer to any reporting agency, if the person knows or has responsible cause to believe that the information is inaccurate. 


XXXX account # XXXX in amount of {$580.00} XXXX XXXX XXXX XXXX XXXX in Re : Loan # XXXX
Product: Credit card or prepaid card

My complaint is for a service i did receive. 
I paid XXXX {$8800.00} for a vacation to XXXX from XX/XX/2020 to XX/XX/2020 for six adults. As confirmed on my credit card statement, i paid in full for the vacation on XX/XX/2020. But XXXX canceled my reservation for both flight and resort on XX/XX/2020 and send me an email on the same day stating that will not refund my reservation and i have to reach out to my bank for refund. Since then, i have contacted city as advised from city i provided all relevant documents proving that the merchant cancelled my reservation with my consent and have not received the service from merchant. This is fraud. i did not receive the service that promise to me. This is lot o money, lot of pain and suffering. I want city to resolve the dispute
Product: Mortgage

XX/XX/XXXX, Fifth Third Bank purchased my mortgage from XXXX XXXX. XX/XX/XXXX, Fifth Third Bank sent a letter informing me of a shortage in my escrow that I needed to pay immediately or increase my monthly mortgage payment. After many calls dealing with unnamed Fifth Third customer service mortgage reps, I came to learn that Fifth Third Bank had decided to pay, or claimed to have paid, PMI payments for periods prior to their purchase of my mortgage. I informed them that the payments had been made by XXXX XXXX in a timely fashion and that any mistaken payment made were not my responsibility. 
My contacts at Fifth Third Bank were supervisor XXXX at XXXX and his manager, XXXX. Both failed to resolve their error and demonstrated poor listening/customer service skill. 
XXXX of XXXX XXXX at XXXX XXXX has been excellent in her service in her diligence and followup in an attempt to show the payments I had made were apportioned correctly and distributed to the appropriate departments completing all requirements by providing documents to me and directly to Fifth Third Bank.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

CashApp corporate office will not return the XXXX case numbers given to me since XX/XX/year>. How are they allowed to steal the {$2000.00} in my bitcoin account? 
My father sent me a cashapp on XX/XX/year> but cashapp refused to let me withdraw the money from my bitcoin, so I have yet to get the funds needed before XXXX. I have been begging them with over 10 phone calls each day since XX/XX/year>. Every time I call, their agents say we have no information, but your new case number is XXXX all they way through XXXX. I tell them that no manager or anyone contacts me about any of the case numbers, so the matter never gets resolved.

In order for my sell my bitcoin, the app makes me enter my social security number. When I do that, it says my number is incorrect and locks me out for 30 days after I enter it XXXX  times. They have someone else 's social. They asked me to send my ID, so I did. XXXX times, I have sent the drivers license photos and a selfie holding the drivers license. NOT ONE CASHAPP employee returns my emails. It's the same scam every single day and now we are 2 months deep and I still do not have my {$2000.00}. CashApp needs to release my funds so I can cash them our OR return the funds to my dads cashapp. My dad has canceled his account and I have as well, but I can still collect my funds. 
CFPB does not need to let CashApp get away with this any longer. You have protected Cashapp several times when you are supposed to be helping us. I am taking this complaint to my bank so they can file fraud claims and the money back, but cashapp is sneaky. They know what to say to make you go away and nothing gets fixed. Why does the owner and the board want to steal my funds? They are in my bitcoin. Just let me sell and put them in my bank. This whole matter will be resolved, but instead cashapp will not fix the matter. The legal name and social security number need to be changed. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not now or never tried to open up a bank account with Bank of America yet it shows a hard credit check on my account. This was not done by me Or for me by anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX2023, to remove the 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 XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$610.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 made a payment to settle my account on XX/XX/XXXX! I was told after XXXX business days my credit will be updated. I was also generated a letter stating my account has been settled but yet XXXX still reporting on my credit report!! PLEASE FIX THIS. Its causing so many problems. Really a defamation of my character! Fix it! And compensate for the rejection of my home for me and my kids due to this nonsense!
Product: Checking or savings account

I noticed on XX/XX/scrub>XXXX  that I didnt receive my payroll check and so I called Capital One in which they had me on hold for some time but when I got on the phone with a representative and asked for an exact date of resolution they were unable to provide that. I informed them that I had important bills to pay and asked for a resolution but they were unable to provide them. They advised that theyre having technical issues with their third party regarding deposits but could not inform me of exactly what those technical issues were. As a result, I am unable to pay my bills or buy groceries and there is a winter storm coming. I have had 3 payments returned because there are no funds in my account Due to the inability to deposit my payroll.
Product: Debt collection

XX/XX/XXXX Out of Area call XXXX I answered the phone and got a recording said that said legal action was taken against me and a process server would be coming to my house to serve me with legal papers. Then transferred me to XXXX XXXX. 
Mr. XXXX asked me to identify myself by verifying the last 4 of my SSN, then when I did he said I needed to pay today a bill for an HSBC credit card. I told him I'd never had an HSBC CC and he started yelling at me telling me " Do you expect that the company is just supposed to believe you since you say it isn't yours? Isn't that your SSN number? '' When I told him again I had never had an HSBC card he said then that it was bought by XXXX XXXX and I had paid {$48.00} a month back in XX/XX/XXXX. I again told him that I never had an HSBC card and he started yelling saying " We're done here, we're sending process servers to our house ''! I hung up
Product: Student loan

In accordance with the Fair Credit Reporting Act. the below listed account has violated my federally protected consumer rights Navient and XXXX  account # XXXX My student loans are showing that I am 90 days late on my credit report but my loans have been in forbearance for four years while I go back to school. 

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 reason to believe that the information is inaccurate
Product: Credit card

There was a transaction I used with my credit card and the seller sold me a blacklisted phone. I contacted Citibank. Let me tell you how difficult it was. I have call logs recorded showing I was on hold for 1.5 hours each time I called. Fine ok. I get it. Banks are busy. But when I finally reached someone, they XXXX English. I was transferred 3 times, with each transfer causing a 20 minute hold. Finally, when I reached someone to file a dispute, I had to wait 45 days. I did not hear anything from the bank. I contacted them to provide further evidence and they told me they did not need it. 45 days later, my request to dispute the transaction was denied. They did not have the proof I had and came to their own decision.
Product: Credit card or prepaid card

On thursday XX/XX/2021 I received a chase fraud alert text message stating that chase had declined a charge for {$74.00} for XXXX and asking if I had made the charge. The text stated I would not be charged unless I authorized the charge of {$74.00} again. I replied exactly XXXX minute later stating I did not make the charge. I received a second text message that my credit card would be closed out immediately, a new one would be sent to me and instructing me to review the charges on my card, which I did, and I called in to report the fraudulent charges, which included a charge for {$74.00} which somehow made it on my statement despite the fact that chase said it declined the charge and I advised chase immediately by text that I did not authorize or make the charge. I have since called in approximately XXXX more times because the charge has not come off, and it has been more than XXXX months since I initially texted with their fraud team and more than XXXX months since I called in to officially report it as fraud. I am getting charged interest and fees on the charge, even though I pay the rest of my bill off each month. Every time I call in I get a new story.
Product: Credit reporting or other personal consumer reports

There is credit cards on my credit report that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

- My name is XXXX XXXX, last four of my SS # IS XXXXMy account number is XXXX. I am writing to dispute the late payment reported by Kohls. I have been impacted by XXXX. Not only did I have the XXXX  and was in the hospital for a long time, I lost my job. I spoke with KOHLS and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from Kohls! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. Kohls needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE! MY ACCOUNT IS NEGATIVE {$140.00}! I WAS NOT TOLD BY GOING INTO A FOREBARACE, THIS WOULD PUT MY ACCOUNT OVER THE CREDIT LIMIT! This should be illegal! My credit is ruined because of this! This is a UDAPP VIOLATION AND A CARES ACT VIOLATION!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX over a month ago regarding account. I also contacted Experian, XXXX, and XXXX XXXX regarding this fraudulent account. It is illegal to report anything that is inaccurate and I would like this account removed immediately.
Product: Debt collection

On XX/XX/XXXX, I discovered a XXXX account ending in XXXX had been re-inserted into my credit file for a XXXX TIME. This debt was XXXX deleted XX/XX/XXXX under the debt collector XXXX XXXX. It was deleted again under XXXX XXXX XXXX. Now this debt has resurfaced again on my credit report under Enhanced Recovery Company. Neither XXXX nor XXXX has notified me within the required five ( 5 ) days of re-inserting this XXXX deleted item. 

According to the Fair Reporting Credit Act, my rights were violated because I did not receive any such notification. Please delete this item immediately.
Product: Credit reporting

the company investagated the wrong XXXX acct they investaged a closed acct not the acct that is the only neg acct on my report the one i asked to be disputed XXXX never put my change of address in so bills were going to wrong address only reason i found out was from my annual credit report i called XXXX paid off acct on XX/XX/2016 was told they would fix credit report cause they messed up nothing has been correctd please help my score was XXXX before this happened
Product: Checking or savings account

Scammer requested XXXX on 2 separate occasions, which was sent. Figured out it was a scam. Requested back cancel the transaction or refund. Bank currently has it under investigation.
Product: Money transfer, virtual currency, or money service

So I made a new business account to send and receive money from my small video editing and production business. I didn't face any problems until I one day got up to check my account and see that PayPal have limited it. I tried asking for the reason and why it got limited and never got a clear answer from them, until one of their employees said that this decision is final and we have decided to permanently limit your account, and the balance you have on your account will be held for 180 days and then they'll send me instructions on how to access them after that period. So I waited for 180 days and I went on and check that I can only withdraw money out of my account and not access anything else on it. So I tried to link my debit / credit card to my account but it said that I can't and the only way I can transfer money out of my account is by using a Local Visa Card or a XXXX XXXX Account, but I don't live in the US and they don't give Local Visa Cards in my Country.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD FRAUD DONE TO ME AND I DID NOT DO THIS HARD INQUIRY DETAILS
Product: Credit card or prepaid card

I bought a ticket on frontier and I bought the insurance so that I would get my money back it I cancelled my flight and I did end up canceling my flight and i havent received my refund yet and its been over two weeks