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

Recently, I reviewed my XXXX consumer credit report and noticed it was several inaccurate and incomplete accounts. According to the FCRA it's illegal to report inaccurate and incomplete items. By law you are obligated to investigate these inaccurate accounts. 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 of inaccurate or incomplete. 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. XXXX and transunion has this account open XXXX has this account closed. Please remove this account immediately! Thanks! XXXX XXXX XXXX  - ( account number ) - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. 


I have sent this complaint to XXXX, XXXX, Transunion, XXXX, XXXX, XXXX, XXXX XXXX. 
XXXX/DEPT OF ED : XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- : XXXX XXXX XXXX # XXXX, MI XXXX XXXX XXXX : XXXX XXXX XXXX, NC XXXX XXXX- XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit card or prepaid card

I made a final payment to Capital One to finish paying off my account. I contacted customer service in an attempt to see if it was possible ( since Ive never been late or missed a payment ) to waive the interest to be at {$0.00}. They denied my request and refused to provide assistance. After being transferred to a supervisor, she explained she cant do anything either and starts offering me other things. I asked for another # to call, HR or a manager, she declined and said thats it. Capital One needs to have somewhere where their customers can express their grievances ; not just a level 2 customer service representative.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about XXXX XXXX continued reporting of a fraudulent account on my credit report, despite my prior request to cease this activity. This account was opened without my consent as a result of a data breach, making me a victim of identity theft. Although the account was initially removed, XXXX XXXX continues to report it, which is not only illegal but also a violation of my rights under the Fair Credit Reporting Act. I demand that XXXX XXXX immediately stop reporting this account and that Eqifax ensures its permanent removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is a XXXX XXXX thing where you arent actually receiving a loan but paying yourself {$35.00} a month and you will receive the money back at the end of the term of the two years. XXXX  terminated my account when there was an issue withdrawing my payment, and they still report it at 60+ days past due. XXXX ) this was never money owed to them ; XXXX ) I wanted to participate in the program but they terminated the account but are still reporting it past due
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$800.00} XXXX  XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX Balance XXXX {$330.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$620.00} XXXX  XXXX Balance : {$0.00}
Product: Consumer Loan

In XXXX 2015 Wells Fargo Dealer Services issued a 10 day pay-off statement for a car loan that was traded-in to a small dealer. The loan payments were being made via the internet until I moved to another state and could no longer access the on-line WFDS account. I contacted them several times to explain the log-in issue with no resolution. I made the payments in person at the local bank. After accepting the pay-off WFDS refuses to release the lien ; they want more fees totaling approx. {$240.00}. When I question what the fees are for ; no one can tell me. I 've passed around to numerous people who refuse to give an Ext. Spoke to the local Branch Manager of WF who was not able to get anywhere with WFDS. I was told more than 2 weeks ago that the issue would be escalated to a Supervisor and have never heard back from anyone. The title is sitting at the local County office and the car can not be re-sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

A well-known debt buyer by the name of XXXXXXXX XXXX XXXXXXXX XXXX XXXX has failed to verify the furnished accounts on my credit report as 100 % accurate.

I have asked for validation of this debt from the original creditor with my signature and submitted a copy of my credit report. I was not provided any supporting documents that proved that the information on my credit report was 100 % accurate. They are wrongfully keeping this inaccurate, unverified, and negative information on my credit report and causing harm to my livelihood as a consumer. This company and the bureaus are taking advantage and violating my rights as a consumer in accordance with the Fair Credit Reporting Act. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the original creditor information is missing, the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under : 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 an account without my written instructions Also, the Credit Bureaus have been taking more than 30 days to complete my investigation. 

Here are my supporting documents : Data Breach reported on my XXXX XXXX FTC reference number that I submitted back in XXXX of XXXX [ XXXX ] My credit report Furnisher 's Response
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX Balance Owed : {$2100.00}, XXXX XXXX Balance XXXX : {$4700.00}, XXXX XXXX Balance Owed : {$2100.00}
Product: Debt collection

In XX/XX/2018 - XX/XX/2018, I was treated by XXXX XXXX XXXX XXXX XXXX as I was being treated for XXXX  XXXX XXXX. 
The deductible portion of the services were not billed to any of my insurance companies. The debt was turned over to PlusFour INC. collection agency, who ruined my credit by reporting this bogus claim. 
I am and was covered by XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX insurances that were never billed. 
I am unable to refinance my home because of this negative on my credit report. In twenty years, I have never had one late notice or any negatives on my report. 
The total amount is : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in unknown, unidentified amounts. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a check as proof I paid a debt that is being improperly reported for almost 2 years that I still owe {$110.00}, which is an incorrect amount. Credit collection service refuses to correct this mistake and continues to report as unpaid debt.
Product: Credit reporting or other personal consumer reports

My information was exposed in several data breaches, was the victim of identity theft, and several accounts were opened with unauthorized, fraudulent use. There are also numerous inquiries I have no knowledge of. 

Inquiries -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX 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: Student loan

Ive had a loan with AES since XXXX. Ive always been on time with AES paying on time with no problems. In XXXX I had some financial Issues going on internally. My bank account weas locked due to a claim going on and a couple of my AES payments were sent back. With no notice or warning or information provided AES blocked my online access. I am unable to go online and view my account, make online payments, make telephone payments or see the status of my loans, interest charges or update information. I have called AES and asked them if I could speak to financial management who blocked my account and they said there is no way i can talk to them at all to explain my situation. I can provide information to them why my account was blocked. AES has no desire and made no efforts in working with me to resolve this situation. When i am able to wait hours to get on the phone with AES I called and spoke with a representative, he told me i can only send in checks or XXXX XXXX XXXX XXXX to AES. I was still suffering from financial issues and AES did not help in the payments I could make. I sent in a check when i could and AES did not put the money on the desired loan I previously spoke with a AES employee about. As a result my loan defaulted. AES also abuse customers with interest rates. My principal balance hasnt gone down at all. I have been paying interest for 5+ years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results. XXXX I do not own the debt that they are reporting I sent them a letter and never received anything back from them. I filed a complaint with CFPB they stated that they have the info that I was requesting showing that the debt was mine they have yet to provide me with those documents and its been 30 days remove this account off my credit report asap. State of MD the same case sent certified letter and filed a complaint and nothing remove this account. XXXX said that I was late never showed proof to me and never sent a charge off statement that by law they have to send to me please remove this account. XXXX XXXXXXXX was shown as charge off this account was never a charge off it was just a closed account that needs to be removed been its been on my account past 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In accordance with the fair credit reporting act convergent, these accounts have violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 602 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

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$0.00}. Please update.
Product: Debt collection

XXXX XXXX  XXXX on XX/XX/2017 I have tried numerous times to get this removed off my credit report but with no luck. I will take accountability for my own debts as records showed that I paid off all my debts recently in order to clean up my credit. This is one that does not belong to me. I'm the victim of identity thief. I have only discovered this at the end of last year while I was trying to clean up my credit.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Collection account, Account Number : XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the charge-off on my credit report for the account with the number XXXX, as reported BY XXXX XXXX XXXX. I believe this ACCOUNT is in violation of the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ). According to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ), creditors are required to report accurate and complete information to credit reporting agencies. In my case, I contend that the ACCOUNT reported by XXXX XXXX XXXX is inaccurate and incomplete. I kindly request that you investigate this matter promptly and provide me with documentation verifying the validity of the ACCOUNT. Specifically, I would like you to provide the following : 1. A complete account history and transaction log for account number XXXX. 2. Any documentation proving that the debt in question is valid and legally owed by me. 3. Evidence that all required notices and disclosures were provided in accordance with applicable laws and regulations. I am committed to resolving this matter promptly and am willing to cooperate fully to ensure its resolution. I believe that a fair and accurate representation of my credit history is vital for my financial well-being. Please acknowledge the receipt of this dispute letter within 30 days, as required by law, and inform me of your progress in investigating and rectifying this matter. Failure to comply with these legal obligations may result in further actiononmypart.
Product: Checking or savings account

I tried to report a fraudulent transaction made with my debit card through the online banking but the system didnt allow. 
Need to report this transaction : XX/XX/XXXX XXXX XXXX I noticed this when I logged in on my online banking on XX/XX/XXXX, and same day I locked my card and requested a replacement through secure message. 
I did not authorize that transaction.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally request that your agency cease and desist all reporting and/or verification of inaccurate or unauthorized information regarding my account with XXXX XXXX XXXX Account XXXX XXXXXXXX ) on my credit report. 

This information is inaccurate and/or unverifiable, and its continued reporting is causing significant harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and you are legally required to investigate and correct or remove any unverified data. 

I am demanding that you take the following actions immediately : XXXX. Cease all reporting of this account to third parties unless it is fully verified. 
XXXX. Provide me with documentation proving the accuracy and legitimacy of this accounts reporting. 
XXXX. Remove any inaccurate, incomplete, or unverifiable information regarding this account from my credit report. 

If you fail to comply with this request, I will pursue legal remedies as permitted under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

Please provide me with written confirmation that this issue has been resolved within 30 days of receiving this letter. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting

I have disputed XXXX tax liens on my trans union report several times they are released and paid { which i did not owe } i called the the state of West Virginia they told me that the credit bureau did not verify my tax liens because they can not give out that kind of information. These tax liens have hindered my credit report and me of establishing credit.they should have never been placed on my credit report.
Product: Checking or savings account

XXXX I need your assistance I attempted to withdraw {$500.00} from the ATM at XXXX XXXX in XXXX in XXXX the ATM went thru with the function however No money was dispense..I had the 2 Managers in charge of the ATM run the Surveillance Cameras and they confirmed No money was dispense to me so for peace of mind they had the Technician open the ATM and showed when the Transaction was declined. I checked my account online and my money was taken out. The next day I went to a Citizen 's Bank spoke to the banker who requested my money return I got it on my account within a few days. In XXXX I received a letter from Citizens Bank that they taking back the money and they took the money back I went to Citizens Bank where another Banker name XXXX called the investigator advised her he saw the proof that I didn't get the money from the ATM she said she would send a link so I could forward her the proof. She never sent the linked but instead denied the case or claim..I need my money I am stressed out I have had 2 deaths to deal with in my family within the last 3 months I have to pay bills because of this .I need my money please help me I am sending my proof if you should need anything more please contact me by email .... XXXX XXXX XXXX...
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute with TransUnion for six inquiries that are in my credit report that I did not authorize and that are fraudulent. 

That dispute was submitted on XX/XX/2022 and I never heard a response from TransUnion in regards to said dispute and it has been more than 30 days since said dispute was submitted which I have attached a copy of, therefore, in accordance with the Fair Credit Reporting Act ( FCRA ) a credit reporting agency must answer a dispute within 30 days and TransUnion has failed to do so in this case, therefore, I am requesting the immediate deletion of the inquiries listed in my original dispute. 

In the event TransUnion does not honor this request in accordance with the Fair Credit Reporting Act and delete these disputed items I will file a federal lawsuit against TransUnion.
Product: Vehicle loan or lease

I bought a XXXX XXXXXXXX XXXX XXXX and the loan was services through Bank of America. For months i was trying to get online access so i can see the loan. I called the bank to ask what is going on and i was told they listed my loan under someone other person and their social. When i asked them what happens if i pay the truck off tomorrow, they had no response because the title would belong to them. I am paying for a truck that would belong to another person and they dont know how to fix it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Art ( 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, i seek appropriate redress for those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Shortly after car shopping in Arizona in XX/XX/2022, I have not been able to pull or view my credit report via any other manner from equifax. Ive called and tried everything. Currently creditors cant pull my report and I have no way to monitor my report. I use iXXXX XXXX and XXXX paid memberships to view all 3 reports and can not access my own.
Product: Debt collection

In or around XXXX of this year I noticed a fraudulent account listed as : HEALTHCARE COLL I LLC in amount of {$1600.00}. I contacted the credit bureaus by submittinf my FTC Identity Theft Report. However, HEALTHCARE COLL I LLC continues attempting to collect this fraudulent debt in my name and reports the fraudulent information to thr credit bureaus.
Product: Vehicle loan or lease

Okay so back in XXXX I made my payment with flagship I'm always on time with my payments so when I receive my XXXX payment it says my XXXX payment didn't go through I checked my bank I also called them they say my payment was confirmed and that it most definitely went through flagship is still saying it didnt go through they said it was some type of charge back but I look at my account I never received a refund for it at all so how can I pay something back that I already paid it doesn't make sense I sent it my bank statements showing proof it was payed they still have not been trying to work with me at all