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

Companies- Experian/XXXX/XXXX. Account. Public Record. Since XX/XX/2009 These companies are reporting this Bankruptcy on my Credit report and have no proof of reinvestigating my dispute and on top of that saying that the Bankruptcy courts are reporting to the 3 major bureaus which they Do Not. Please reinvestigate these 3 Bureaus very thoroughly to make sure they are investigating properly and sending out actual facts instead of going by a 3rd party company that sends out inaccurate information. Please remove this negative item from my credit report as soon as possible. 
Thank you
Product: Credit reporting, credit repair services, 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, 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 have no signed contract with XXXX XXXX XXXX XXXX XXXX XXXX. I have no knowledge of this debt or account. 

I have no signed contract with XXXX XXXX XXXX XXXX. I have no knowledge of this debt or account.
Product: Credit reporting or other personal consumer reports

Final demand to Equifax and Transunion Remove unverified XXXX XXXXXXXX account or face lawsuit for FCRA violations 15 U.S.C 1681, 1681e and daily damages, defamation and financial harm 5 days to comply or legal action begins
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 FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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 XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX : {$780.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$590.00} ; XXXX ( Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote to capital one where i have 3 cards in excellent standing and a XXXX credit score XXXX i just get scripts back i should be approved for savor card or get detailed explanation as to why not what info are you basing it on? It must not be correct. please tell me WHAT specifically is preventing you from giving me the card. 
i have XXXX XXXX score XXXX XXXX XXXX XXXX  please tell me why i applied for XXXX card a few weeks ago
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX # XXXX AND XXXX # XXXX THEY HAVE 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX DEPT OF EDUCATION XXXX  XXXX Account name : XXXXXXXX XXXX  DEPT OF EDUCATION XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX - 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington Law charged my Bank Account excessive fees.My credit was never repaired and I was very dissatisfied with Lexington Law services and I requested my total Refund
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting money on stamps, and ink to send out my letter. Its been more than 60 days and not response via emailand i, really disappointed. the account in my credit report is inaccurate and unverifiable.. I am authorizing this complaint with proof of the disputes i sent out I need your help to review to REMOVE OR UPDATE these inaccurate informations immediately 1. Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all 3 bureaus his is an error this account in violation. 
XXXX XXXX XXXX Account number : XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed 2. This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX Account XXXX As a consumer by law this account must be deleted immediately. 
3. Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all 3 bureaus his is an error this account in violation. 
XXXX  Account number XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed 4.Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all 3 bureaus his is an error this account in violation. 
XXXX XXXX XXXX  Account number XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed
Product: Credit card or prepaid card

I have XXXX promotional offers 0 % interest with my Citi Best buy card. 
One that is set to expire on XX/XX/XXXX and one that is set to expire XX/XX/XXXX. 
On the promotional offer that expires in XX/XX/XXXX that had a balance left of {$100.00} we made extra payments to clear the balance. 

During the month of XXXX and XX/XX/XXXX we made 5 calls to Best Buy XXXX credit card - asking them to apply the extra payments to the older promotional offer - each time we are told they take care of it. TODAY XX/XX/XXXX we talked again with another supervisor as we still have a balance of {$29.00} - after again making an extra payment on XXXX to clear the balance and it still went to the newer promotional offer. They told us again that is taking care of - if the balance is not cleared we are going to be charged over {$800.00} in deferred interest. It is unacceptable on what CITI is doing and how they have not been able to assist us. 

They are in breach of XXXX XXXX act and not applying the payments toward the oldest promotional offer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XXXXXXXX XXXX  Account Number : XXXX Balance : {$12000.00} Date Opened : XX/XX/year> Since the original update Charge off it has been repeatedly updated as charged off every month or recent months. This continuous updating constitutes an inaccurate payment history for a charged-off account. Such misinformation falsely manipulates the statute of limitations. Your failure to properly investigate this account has infringed upon my rights. I demand the deletion of the account immediately. 
The inaccuracies are significantly damaging my credit score In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual you verified with above so that I may follow up. Additionally, I request an updated copy of my credit report following your reinvestigation Despite several attempts to have you correct the errors on my report, this issue remains unresolved. Consequently, I have escalated this to a factual report FOR THE 6th time based on my own investigation. All my reports have been duly documented and saved, along with your failure to correct and/or delete the inaccurate accounts. Given these inaccuracies and your continued failure to rectify them, I demand the immediate deletion of this account from my credit report. If these accounts are not deleted after this factual report I will have to seek the help of the CFPB or Legal Action on the next steps to protect my rights and reestablish my ability to obtain credit. These inaccuracies are preventing me from obtaining the credit and lending rights I require and those requests to my personal and business lending facilities have been duly noted over the past 6 months.
Product: Credit card or prepaid card

Self is a credit building product. I began with a loan and later opted in to a card. What I have noticed is that what the company has been reporting incorrect information monthly as it pertains to my balance. I reached out to customer service on today XXXX and spoke with XXXX representatives. The first rep was not knowledgeable in providing me the dates and advised that I look at my credit report. The second representative advised that Self reports to the credit bureaus at the end of the month and there is one set date. I confirmed by asking her to repeat in which she stated it is once a month the last week of the month. My issue is that my statement closes on the XXXX. The statement information is not what is being provided to the credit reporting bureaus instead new information from an active cycle is what is being delivered. This is making my utilization be higher than it should and thus instead of helping to build my credit it is harming my score. For instance at the end of the XXXX statement my balance was {$80.00} when self finally reported it showed {$490.00} and due to me rebuilding my credit this account I do not have high limits at all so this {$490.00} erroneous report made my utilization be 45 % when in fact my utilization should have been well below 10 %.
Product: Debt collection

In my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent account consist of a XXXX XXXX bill account opened on XXXX under the account number XXXX. That account have a fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
Someone open a XXXX bill in my name XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX XXXX account opened on XX/XX/2023 under the account number XXXX. This fraudulent collection appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account collection, as reported. The aforementioned account collection, and 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 thieft 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 .I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX, XXXX, XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Bank account or service

On XX/XX/2017, the bank was closed due to observance of XXXX. I went to the drive-thru to deposit cash. I deposited {$800.00} in the denominations of XXXX {$100.00} dollar bills and XXXX {$5.00} dollar bill. Once I deposited, the machine screen showed out of service and only printed me out a reference number sheet with no documentation of the money I had just deposited. I called the number and let them know the drive-thru ATM machine located on XXXX in XXXX went out of service after depositing my money. I let them know that {$800.00} was deposited but the machine only gave me a reference number as a receipt. They credited me the {$800.00} on XX/XX/2017 as a temporary credit. However, this week they took {$400.00} from my bank account leaving in the negative and gave no notice to me on what happened on XX/XX/2017. So, I call on XX/XX/2017 to find out what vendor took {$400.00} out of my account thinking it was a fraud deduction. They stated that they checked the machine and only found {$400.00}. I stated that was incorrect, and maybe the branch needs to check again since I was the last person to use the machine before it malfunction. Then they stated that they gave me {$400.00} already, and I stated the {$400.00} was deposited by me at the same location, inside terminal, and on a different day. I told them they need to gather their facts and find out a resolution, because I ca n't give them {$400.00} for free and if they ca n't find the extra {$400.00}, then they need to look internally as there might be fraud within. I also let them know that around the same time every month I make a deposit of {$800.00} or more, and that I would not lie to them about the amount of money I deposited. With their machine going down it left me defenseless, because I have no proof that I even put in a dollar, and for them to state I only put in {$400.00} and that there is nothing they can do to get me my money is not my fault. They putting the blame on me for their malfunctioning machine and I lose {$400.00}. This is a very defenseless situation for me, and as a veteran this should be something that protects the consumer in these situations. The only reason I have an account with Chase is because my primary bank XXXX does not have cash deposit locations in my area. Chase should acknowledge that their machine messed up and grant me my funds, I have not ever made a claim with Chase, and I have always deposited the same amount of cash every month without problem. They are really devaluing me as a customer, and this may strain my future business I do with them based on their " it 's nothing you can do about it stance, and you take the loss ''. It should be a federal crime for this to happen to me, and just wonder what if somebody livelihood depended on that cash, Chase would state " our fault, but you ca n't have your money ''. If that is the message they send to the consumer, then the public should be aware of this, and take action, just like I am going to do if there is no resolution. This is unjust, and they should be ashamed.
Product: Credit card or prepaid card

I have an account with Discover and they keep saying that I owe them money and that my credit balance is money that I owe to Discover. They say they lent me money from their reserves and that I owe them money and that they did not do anything with my information but simply confirm whether or not to approve me but did not receive any value from my information. I am demanding that they credit my account and they do so whenever a balance appears on the account.
Product: Student loan

Date for compliant is XX/XX/year> ; I contacted Sloan Nelnet several times in connection with my student loans. It shows that they are closed out. I also have contacted experian to dispute these things off my credit report. 
Experience has not properly investigated my dispute and fails to review errors on my report which is affecting my ability to own a home.
Product: Checking or savings account

I had an account opened with Chime in XXXX, but due to someone committing fraud with my bank account, Chime closed my account without my consent and refuses to let me open another one. In XXXX and XXXX, Ive called Chime customer service multiple times and theyve sent me the same link multiple times to complete steps and I complete those steps with the promise that I would receive a response and NEVER do! I no longer have access to the previous account that was connected to Chime. I have a new job and a new bank account so I wanted to try Chime again because I heard of the many benefits!!! Every time I try to talk to someone, they keep giving me the runaround
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed XXXX XXXX account on all three credit bureaus due to me being overseas at time and accounts being opened fraudulently. Current balance shows negatively on my account and when disputed in late XX/XX/2017 the credit bureau and company were sent travel docs showing me being overseas in XXXX at time and not able to apply for the card. This account along with the XXXX and XXXX/XXXX accounts are Freud.they were all seemed to be open around same time while overseas. This has been q never ending battle with companies and credit bureaus to get removed. I also had identities freud statements on all credit bureaus during this time. No information was verified and when disputed the credit bureau stated it was valid. I am requesting accounts be permanently removed from my accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a debt validation letter to XXXX XXXX XXXX. This company is reporting on my credit report for a balance of XXXX. I requested they provide me with the original contract and balance for what they are reporting on my credit report but they have not validated anything.
Product: Debt collection

I am writing to express my concern regarding an unresolved issue with my credit report. On XX/XX/2024, I sent a certified letter to SST containing things within my credit report. The letter was sent via certified mail and was received by their office, as confirmed by the provided tracking information. I have also enclosed a copy of a letter I received from SST regarding theyre no longer servicing my account and an invoice for XXXX. This is account is due to identity theft and I want the account removed from my credit report. Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

OVATION : I paid {$100.00} a month for 3 months with little results so I stopped payment and went to XXXX XXXX  who charged me {$60.00} and now wants {$60.00} a month and I am being turned down for loans and only can get a {$300.00} credit card as I have an outstanding credit card I am trying to save to pay off of {$1400.00}. 

Sincerely XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

* XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has violated my rights. 

XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: 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 an 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 Funds Transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I appropriate redress for these violations.