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

I have contacted the credit bureaus multiple time XX/XX/2022 being the last time disputing inaccurate and illegal reporting practices by the debt collector and credit bureaus that are reporting late payments, balances and fraudulent information that they where made aware of with phone calls, letter and documents sent by me with proof. The collections and charge off account continues to ignore my request for proper validation of the accounts that are show inaccurate information on my report. The credit bureaus keeps verifying the information which keeps causing harm to my file and ignore the inaccurate pointed out that the accounts show as open, they are reporting credit limits inaccurately and they are reporting balances which is a valuation and they are reporting missed payments on closed accounts that has no active contracts or accounts. Please enforce the law on to the credit bureau.
Product: Credit card

Credit card was applied for in store XXXX XXXX - Credit Company ( Comenity Capital Bank ) - took 5 minutes. Received card on XXXX called to activate. Also on XXXX tried to open online account to pay bill. Had to call in for account online. They asked questions- is # # # # # your home #. Replied no this is a cell phone so they needed to change on records to cell phone. Company stated would take 10 business days before could use online account. Why did it take 5 minutes to open an account but 10 days to use online. Well the bill was due on XX/XX/XXXX which is the XXXX business day. Received email reminder XX/XX/XXXX that bill was due XX/XX/XXXX. Checked and still could not get into online account. So XX/XX/XXXX wrote a personal check ( no where does it state can not send personal check ) and mailed on XX/XX/XXXX to XXXX ( XXXX miles from my house ) I have picture of check/statement that I mailed. Not driving XXXX miles to store to pay. Went out of town and when I came back on XX/XX/XXXX and checked account shows balance still there. But guess what, the online account is now available so wrote to company on their contact screen why hadn't the check cleared.. I have always paid my bills and have a very good credit score. Heard back that as of XX/XX/XXXX nothing paid. Now why no notice ( email ) sent that the bill hasn't been paid? Wrote back again to company and tried to send pictures but the site said " sorry some attachments can not be added right now because of system problem '' I am willing to pay the bill but I am not paying a late fee/interest and not going to double pay.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to do a follow up dispute regarding the following unverified and inaccurate items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

DP OF EDUC XXXX CHILD SUPPORT ENFORCEM XXXX USDOE/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX  XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - US BKPT CT WI XXXX Bankruptcy XXXX XXXXdismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX US BKPT CT WI XXXX Bankruptcy XXXX XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Improper Bankruptcy Inclusion on My Credit Report - Violation of FCRA 1681b Dear CFPB Team, I am filing this complaint against Experian, TransUnion due to the improper inclusion of a bankruptcy on my credit report. 
XXXX deleted the information due to they can't provide me documentation. 

Under Section 1681b of the Fair Credit Reporting Act ( FCRA ), a credit reporting agency may only disclose information on a credit report if there is a legitimate purpose, such as a credit application initiated by me, a specific legal obligation, or my express authorization. I have not provided such consent, nor have I initiated any action that would justify the inclusion of this bankruptcy on my credit report. 
On XX/XX/XXXX, I sent a formal dispute letter to EXPIRIAN, TRANSUNION requesting the removal of this information. To date, they haven't remove the bankruptcy or provide evidence of a permissible purpose for including it in my report. 

Since this inclusion violates my rights under the FCRA, I request that the CFPB : 1. Investigate Expirian and Transunion for the improper inclusion of this information.

2. Order the immediate removal of the bankruptcy from my credit report.

3. Ensure that the credit bureau complies with the FCRA to prevent future consumer rights violations.

Im attachment documents by the court saying they not giving any information.

And I've never give any concern too.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that Transunion will investigate this account to ensure accuracy. Here is the account I am asking to be verified as accurate. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report :. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

I have made several requests to get this Home Equity Line of Credit Refinanced. In XX/XX/XXXX I filed a complaint with this agency and received a letter stating that it had been closed since the bank indicated they would work with me accepting the documents previously submitted. 

Shortly there after the bank began requesting additional documents. They finally clarified in XX/XX/XXXX that a letter of explanation would be acceptable. The letter was provided and I was told that the documents had been submitted to underwriting and they were awaiting a decision. At the same time they informed me that the loan was being transferred to a new company, XX/XX/XXXX and that the new company would take over the loan refinancing where the bank had left off. 

After XX/XX/XXXX, I placed several phone calls to the new company, who indicated they had no records on my account. Calls to the original bank indicated that they had no records on the loan as they had all been transferred to the new servicer. 

Last week, I received a letter from the new servicer dated XX/XX/XXXX, indicating that all future payments should come to them. 

I called the new servicer today and was told that they are only a debt collector and could do nothing about the refinancing. When I asked about payment arrangements, they indicated that I could submit payments, however the account would still be considered delinquent and the interest rate is 2 % daily.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection ACT ( CFPA ). Specifically Cash app failed to take timely and effective measures to prevent and address 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: Credit card

I went to a XXXX XXXX  on XX/XX/2024 to have a procedure on my XXXX XXXX. I used CareCredit for the amount of {$1800.00} and the transaction went through. This date and amount is not in dispute. 
The next day ( XX/XX/XXXX ) I went and had the same procedure but on my XXXX XXXX. The cost of this was also {$1800.00}. I used CareCredit on this transaction as well. On Saturday, XX/XX/XXXX I received a phone call from the physicians office saying that the CareCredit from XX/XX/XXXX had, in fact, not gone through and that they would like me to use a different form of payment. I used My XXXX XXXX XXXX XXXX  for {$1800.00} and that transaction went through immediately. I thought that all was well until I received my statement from CareCredit saying I owed XXXX rather than {$1800.00}. I called immediately and after a very long time waiting got through to a person that said that they had thought it was a fraud so they froze my account. Later, during the same call, the CareCredit representative said that I had frozen in the account. Not true. At that time, I began a dispute. I have since contacted the physicians office repeatedly, and they have shown me definitively that they had not received the money from CareCredit for XX/XX/XXXX. Synchrony bank/CareCredit declined my dispute. I have since reopened a dispute. 
In summary, I continue to owe CareCredit {$1800.00} for my XXXX XXXX. My XXXX XXXX was paid for ( and now paid off ) by my XXXX XXXX card. In addition, my balance continues to show that I owe {$3700.00} without giving credit to the XXXX payments Ive already made. I agreed to pay {$3700.00}, not {$5500.00}. If they are doing this to me, how many others are they doing it to and arent fighting it.?? 
Also, notice that theyve sent me a notice for late payment in the same screen that shows auto payment is on!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the ongoing and egregious violations of my consumer rights by Experian, XXXX, and XXXX. Upon reviewing my credit report, I have discovered numerous instances of personal information being reported without my consent, including fraudulent accounts, unauthorized addresses, incorrect names, and inaccurate dates of birth. Despite my repeated attempts to rectify these issues by reporting them to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the respective credit reporting agencies on more than XXXX occasions, the problem persists. Each time I bring these matters to the attention of the relevant authorities and companies, temporary remedies are applied, only for the same inaccuracies to resurface on my credit report shortly thereafter. This pattern of behavior has not only caused undue XXXX  and inconvenience but has also put my financial well-being and personal security at risk. It is unacceptable that these companies continue to disregard my rights as a consumer and fail to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). Attached to this correspondence, you will find documentation supporting the validity of my claims, including correspondence with the aforementioned agencies and evidence of the recurring inaccuracies on my credit report. I urge you to take immediate action to address these issues and ensure that my consumer rights are upheld. I expect a prompt and thorough investigation into this matter, as well as the implementation of measures to prevent similar occurrences in the future. Thank you for your attention to this matter. I look forward to your timely response and resolution of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my 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 Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$490.00} XXXX XXXXBalance : {$1400.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Citicard is charging me upwards of 24 % on a credit card I have with them. I called and asked for a rate reduction given the crisis we are in and the fact that I'm being given a pay cut at work. They declined my request. I find that a 24 % interest rate, for a customer with a 750+ credit score, a long history with the bank, and on-time payments, to be obscene and should not be allowed at this time.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX / 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

My banking account was breached and in addition my information has been breach. trans Union is the only credit bureau service that is reporting in accurate information and I would like to fix they have that I have over five inquiries and all of them are incorrect. I would like to remove. I want the light removed Ify as I have already spoken with XXXXXXXX XXXX they are in the process of removing it. No other credit agency has marked me late. I have never been late and I just noticed that I had a late pay last year in XXXX and based upon my other Credit bills and the law I need for them to remove it because they are in breach of my information and it has been stolen and they have always gotten their payments to us on time. my information was even breached by XXXX upon them merging with XXXX. There are laws. This says they must remove it and I want it done right now. I have excellent credit. I have never been laid on anything nor I have tried to obtain any credit in the last two years, so please have it removed along with the FTC report has been sent,
Product: Money transfer, virtual currency, or money service

To whom it may concern, I sent up a recurring bank wire from Citizens Bank in XXXX 2022 In which I was able to wire money from my Citizens Bank account to my XXXX bank account in the XXXX. I called the wire department on Monday and they said I needed a PIN number to make the transaction. I told them I wasn't issued a PIN number but I have a reference number and a repetitive code to do the transfer. 
They refused to send me a PIN number so I can't do a wire transfer and time is of the essence. Can you please reach out to Citizens Bank so they can use a confidential email or text to send me the pin, like XXXX XXXX and other financial institutions do. Thank you for your advance concern. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY REPORT WITHOUT MY KNOWLEDGE. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THOSE ACCOUNTS REMOVED.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXX XXXX {$5800.00} XX/XX/XXXX XX/XX/XXXXXXXX {$2500.00} XX/XX/XXXXXX/XX/XXXX XXXX {$2200.00} XX/XX/XXXX XX/XX/XXXXXXXX {$1400.00} XX/XX/XXXX XX/XX/XXXXXXXX {$800.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX {$290.00} XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Per my several attempts to resolve the inaccurate, incorrect information reporting on my credit reports the consumer credit agencies as well has the furnishers is in violation of FCRA, My rights as a consumer is in fact being disregarded despite my continually efforts for this matter to be resolved before taking legal action. XXXX XXXX XXXX is reporting a collection on my XXXX XXXX and XXXX and is in direct violation refusing validation despite my request. Also this company is not authorize to do business in the state of Georgia. My request is that these collections are proven validate with an contractual written agreement between this company and myself or the original written copy of the contract from the company the are claiming to represent with my wet signature or delete these collections from my report immediately. Account reporting as charge offs and other accounts are also showing inaccurate and incorrect names addresses and other harmful adverse information. Please delete all accounts immediately. I have attached proof of all violations along with documentation to serve as evidence before taking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft i submitted info and still no help. i sent info but no update guess i sue idk. but i got ahead in file with cfpb first.