23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I disputed XXXX  transactions I made with my cash app card from the same merchant. The merchant sent out an email to everyone who purchased products from her letting us know that we would not be receiving the products any longer and she would refund the money to us on XXXX. I made XXXX seperate purchases 1. XX/XX/year> for {$69.00}, 2. XXXX for $ {$87.00}, 3.XXXX for {$500.00}. This was supposed to start in XXXX its now starting in XXXX and in her email she said she wont work for free so she advised us to request a refund through bank and then once we get our refund will send us a coupon code for 50 % off to repurchase mentorship if we would like. 
I sent cash app the communication directly from the merchant that shows that her account with square has been XXXX and she can no longer process refunds, so she advised all people who made purchases before XX/XX/XXXX to request a refund through our bank because she could no longer send them and they had a hold on her account for 120 days. I submitted them the exact email from The merchant that explains this, along with the the letter from her processing company ( square ) that proves what she has told to us that she included in that email. Cash app denied all XXXX disputes and gave no reason but the purchase were made accurately and the merchant fulfilled their obligations even though I havent received the products and services and have provided emails directly from the merchant that shows she will not be providing the services and products, and the only way for us to retrieve our refund is to dispute. Cash app is a square company and that is also the merchants processing company and I believe and so does the lawyer I just hired believes they denied the dispute even with overwhelming evidence because it is with their own company. I was advised by my lawyer to file this dispute.
Product: Debt collection

NO idea what this is for ... ... ... ... 
Tried communicate with the company they talk in circles or do not send detailed information of this debt to verify. 

I need this removed from credit report immediately, if unable to provide proper back up it has been since XXXX that I requested information
Product: Credit reporting or other personal consumer reports

I had a past due balance of {$210.00} with a company called XXXX that extended credit to me. This past due balance of {$210.00} was showing up on my credit report. On XX/XX/year> I was able to save some money and pay off the debt, and was directed to send payment to the collection agency TrueAccord. TrueAccord does not own the debt nor do they report the debt to the credit bureaus, but are hired by XXXX to collect on the debt on their behalf. XXXX still owns and reports the debt. I paid the balance off and settled the account with TrueAccord on XX/XX/year> and they assured me that they will inform XXXX that my balance is paid off. I waited almost 4 months for XXXX to remove the debt off of my credit report on all XXXX credit bureaus and they have not yet done so. The last time they reported to the credit bureaus was on XX/XX/year> when I did indeed still owe a {$210.00} balance. I have called and emailed with XXXX and TrueAccord multiple times over the past 4 months to settle this, and have received zero support or sense of urgency to correct this issue. I even filed a dispute with XXXX and the dispute came back with absolutely no changes even though I attached screenshots of emails from TrueAccord confirming that the balance is paid off and that my debt isnt valid any longer. XXXX needs to remove this from my credit report immediately as it has been almost 120 full days since theyve received payment from me and they are ruining my credit score.
Product: Credit reporting or other personal consumer reports

Its an open account for a car but whoever use my name dont never make payments. They open the account around XXXX and they just recently made a payment XX/XX/XXXX and it was most definitely not me
Product: Checking or savings account

In XX/XX/2018, I asked Citi Bank to fix the problem of it charging me $ XXXX monthly service fee on my checking account. They said that they converted the account to one without a monthly service fee. However, they never converted it and continued to charge the monthly service fee. When I called today, they said that the conversion just didn't go through and they need to get a branch to approve. Then they said that a customer service representative held the conversion from going through with no explanation. I fear that they never did anything and hoped that I wouldn't notice the $ XXXX monthly service fee.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against cashapp for costumer service fraud and unfair practices and sharing of my personal data which violate the CFPA act, And cashapp refused to take timely and effective measures to prevent this fraud
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the credit reporting agencies ( CRAs ) for their continued reporting of account XXXX by XXXX XXXX, which is past the statute of limitations for reporting under the Fair Credit Reporting Act ( FCRA ). I have sent multiple dispute letters to no avail. My last dispute letter sent over 45 days ago which is dated and time stamped is attached. 

Under the FCRA, an account must be removed from a credit report seven years after the date of first delinquency ( DOFD ). Despite this clear regulation, the CRAs continue to report this account beyond the allowable timeframe. Furthermore, the CRAs are reporting inaccurate information, including : Date of First Delinquency ( DOFD ) : The date being reported is incorrect, which is instrumental in determining the account 's removal. 
Date Last Active : This date is also being inaccurately reported, which affects the account 's status and validity.

These inaccuracies violate my rights under the FCRA, specifically 15 U.S.C. 1681c ( a ) ( 4 ), which requires the exclusion of outdated accounts, and 15 U.S.C. 1681e ( b ), which mandates the maintenance of maximum possible accuracy in credit reports.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX account was opened in my name and an inquiry was placed on my credit without my consent.
Product: Mortgage

I have gone through a divorce and my income has been severely reduced. I reached out to PNC Bank to inquire about getting some type of relief via a forbearance and was not offered any assistance. I have not been able to make my payment for six months and PNC refuses to negotiate with me and worse yet is charging me late fees every month. I have listed my home for sale and informed them of this as well. I am hoping you can help me to get some type of relief with PNC. I would like all fees waived and credited and for them to see if any type of relief is available.
Product: Credit card

I had inadvertently sent an overpayment to US Bank which I requested a check refund. Instead of honoring my request or inform me that they could n't, they sent the payment back to my XXXX which they ca n't find the refund. US bank has requested a trace number but it 's meaningless to the bill pay provider. Now I 'm out of {$680.00} due to US bank 's oversight and lack of due diligence.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding fraudulent inquiries and accounts on my credit report. Despite my several attempts to resolve this matter, these entries, which do not belong to me, remain unresolved. As a victim of identity theft, I am not responsible for these items, and they have caused significant stress and financial hardship. 
The inaccuracies on my credit report have severely impacted my ability to purchase a home and provide for my family, creating undue financial strain. If this issue is not resolved promptly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX incorrectly reported me 2 months 30 day late for XXXX and XXXX XXXX. I paid 3 months in advance in XX/XX/XXXX and was told by XXXX XXXX XXXX XXXX XXXX loan was satisfied and paid in full. Fast forward to XX/XX/XXXX, and I was shocked that my credit score dropped by XXXX XXXX when trying to purchase a new home because of the inaccurate late payments. I called XXXX XXXX XXXX and was told that 2 payments were left and was I given wrong info. I made payment immediately for {$1900.00} on XX/XX/XXXX. I was told I have to deal with the credit bureaus to fix their error. I sent letters to credit bureaus on XX/XX/XXXX and got zero response and XXXX refuses to remove inaccurate late pays from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and XXXX XXXX and XXXX XXXX Bank XXXX account # XXXX are reporting on my credit I do not recognize and I did not authorize this account/Inquiry
Product: Debt or credit management

In accordance with House Joint Resolution 192, all debts have been paid in full, and I believe the charge-off and late payments should not be reported on my credit file. The continued reporting of this charge-off and late payments is causing damages to my creditworthiness, and I request their removal to mitigate these adverse effects. Alternatively, I may seek damages for any harm caused.

I kindly request that you review the details of my account and verify the payment of the said debt. If necessary, I am prepared to provide documentation supporting the settlement for less than the full balance amount. As per the regulations outlined in HJR 192, any offset debt that has been settled should not negatively impact my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted credit bureau 2 times to remove bankruptcy off report I have never filed bankruptcy before and I don't know where this is coming from I have attached documents from court system
Product: Credit card or prepaid card

XXXXXXXX XXXX XXXX notification by email on XX/XX/XXXX, under my maiden name. I contacted XXXX and Wells Fargo and they cancelled the card. XXXX  XXXX XXXX XX/XX/XXXX requested from XXXX  XXXX XXXX they notified me and i cancelled the card. XXXX, XXXX XX/XX/XXXX called and cancelled the online order
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX : ( XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX, hasviolated 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 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Getting XXXX XXXX by " LVN V XXXX XXXX bank {$3400.00} '' I never own an XXXX bank account I have no access to this account somebody open a fake account
Product: Debt collection

I recently reviewed my credit reports and was shocked to find a collection account from True Accord for what is purported to be a Phone debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the Dunning letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$570.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to Equifax and XXXX regarding inaccurate data points on both credit reports from the same company, XXXXXXXX XXXX. With Equifax, XXXXXXXX XXXX is reported as a 'charge-off ', which hasn't been proven to be my account. With XXXX, XXXXXXXX XXXX is reporting as 'Closed ' for the same account in question. 
I feel like I'm being taken advantage of and being ignored of my disputes. 
Section 611 ( a ) in Consumer Protection Act states that it is plainly stated as a failure to investigate said items within 30 days gives a reason to immediately remove them from my credit report ( s ). It has been 60 days to the day. 
I demand that these accounts be deleted immediately or I will file for litigation as well as a thorough complaint to my Attorney General, Federal Trade Commission, and the XXXX XXXX XXXX due to the stress caused to me for this extended inconvenience.
Product: Debt collection

I'am victim of identity and Unauthorized charges that has been detected on my credit report without my authorization. Debt collections I am not aware of please. dispute all items that's on the Police report. I had reached to furnishers that is associated with accounts, nothing has taken action.
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 for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$820.00XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$640.00}
Product: Mortgage

My escrow account is {$230.00} over the required amount due to New Jersey XXXX XXXX for senior citizens. On Wednesday XX/XX/XXXX I contacted a rep from Home Point Financial service but could not resolve this with her and asked to speak to a supervisor. I was transferred to supervisor XXXX XXXX and explained the escrow statement sent to me in XXXX was incorrect. They anticipated my quarterly property tax payment to be {$1300.00} but was actually {$1000.00} due to rebate. He said he understood and would request an expedited escrow analysis and I should call him back Friday XX/XX/XXXX at ext XXXX. I called twice Friday once speaking to rep and second call left a voice mail on his phone. I called again Monday and rep assured me she would email XXXX that I called requesting a call back. Today XX/XX/XXXX I talked to an XXXX and after explaining again the problem was transferred to XXXX 's voice mail and requested an update and again no follow up. I am attaching their escrow sheet which shows required balance and incorrect anticipated balance. Actual balance is {$1200.00}.
Product: Credit reporting or other personal consumer reports

The address listed on my TransUnion credit report is inaccurate I never stayed at XXXX XXXX XXXX XXXX XXXX California, I never stayed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The lender is charging me interest rate of 6.5 % PLUS 'ACQUISITION ' fee of $ XXXX/month and XXXX FEE ' of $ XXXX/month making aggregate overall interest rate over 12 % on my primary residence. 
I feel this is 'predatory ' lending especially since i am on XXXX and XXXX years old. 
I have requested the lender several times to give me a consideration to reduce the interest rate since national interest rates have fallen all time low.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX$720.00} XXXXXXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX  {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$970.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX  : {$2500.00} XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX  : {$970.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX {$530.00} XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I checked the only issue even close to mine. I suggest other ways to describe so as to go forward honestly. So, here, I will just tell you. Yesterday. XX/XX/2018, I clicked within my XXXX card online to see my credit score. It was very low, and surprisingly so. It gave reasons as to why a score can be low, however, none of those suggested apply to me I don't believe. I then went online to get information about Transunion, and found many postings stating that Transunion does not delete old late accounts. In the past, we had issue with medical bills, and did have lates.That was several years ago, and don't know why these should be allowed with newer information. I have now established credit, as opposed to cash as before, do not have any 30 day or other lates as I read I have. I called Transunion, and to verify who I was, the CSR asked for my full social security number I asked him why he didn't ask for the last four, found out he was in XXXX, and was taken aback by both answers. First, I resent greatly that our goverment outsources and steals our jobs away from us, the citizens. Second, I was suspicious to finish my reason for calling because of his not asking for the last four, which when questioned, did change it to four. I had an excellent result from a previous issue wherein XXXX charged not only me,  but many people for a credit " watch '' service I didn't order. Within about a week and a half, I was refunded. Thanks for that CFPB.