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

On XX/XX/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within XXXX business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you
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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XXXX XXXX XXXX I sent CBCS a letter requesting validation of an account they stated I owe. CBCS states I owe XXXX for a XXXX XXXX XXXX XXXX credit card. When I first received a collection notice from CBCS I checked my credit reports and determined that the XXXX account they are attempting to collect is not my account. I tried to get validation from the original creditor but they did not provide a contract nor an agreement that bears my signature. I disputed that account with XXXX through the Consumer Finance and Protection Bureau which was turned over to the Office of the Comptroller of the Currency ( OCC ).
Product: Credit reporting or other personal consumer reports

From XX/XX/2024 to XX/XX/2024, I had unauthorized charges show up on my account statements. I called and disputed the unauthorized charges. XXXX insisted that they would investigate those charges and that I would receive a provisional credit. Over a month later, the charges were still on my account and they were collecting interest. I had called their support team over XXXX times about the dispute and it wasnt handled any of those times. XXXX did not remove the charges from my account until I filed a claim with the CFPB. However, they only removed some of the unauthorized charges and XXXX still remains on my account. The charge was made on XX/XX/2024 for {$21.00} at XXXX XXXX XXXX XXXX and was not a purchase I made or authorized. My card was compromised and XXXX dispute resolution team didnt properly remove all the false charges. I have contacted them over XXXX more times about the remaining fraudulent charge and they keep telling me they will investigate it. However, the charge remains on my account and I have received no confirmation from XXXX that they are investigating my case! Due to them not removing the charge and not properly investigating the case. This charge has now accumulated to {$120.00} with late fees and interest charges! Not only did they fail to remove this fraudulent charge from my account. They reported my account as delinquent and past due to the credit bureaus despite the fact I never made the charge and have reported it! I shouldnt have to pay for charges I didnt make and I shouldnt have a negatively impacted credit score due to their failure to investigate the claim that I have called and filed with them multiple times! I want the charge removed AND my credit score/report corrected!
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against XXXX, TransUnion, and XXXX for their refusal to allow me to dispute inaccurate information on my credit report. I have tried multiple times to dispute the inaccurate information, but to no avail. This has caused significant harm to my credit score and has affected my ability to obtain credit or loans. 

I have followed the proper procedures outlined by the credit reporting agencies, including sending in written disputes and providing supporting documentation. However, the credit reporting agencies have failed to correct the inaccurate information on my credit report, despite my repeated attempts. 

As a consumer, I have the right to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). This law requires credit reporting agencies to investigate and correct any inaccurate information on consumers ' credit reports. However, the credit reporting agencies in question have failed to comply with this law. 

I urge the CFPB to investigate this matter and take appropriate action to ensure that the credit reporting agencies comply with the FCRA. I also request that the inaccurate information on my credit report be removed as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Truist charged me XXXX overdraft fees for overdrafting by {$5.00}. On XX/XX/XXXX, my starting balance was {$76.00} and I made XXXX purchases for {$81.00} and it brought my account to - {$5.00}. I included photos from my bank app so you can see my starting total and how much I spent. Some of those purchases were still pending but I was still charged an overdraft fee for going negative. When the pending purchases posted, because of the overdraft fee, I did not have enough to cover them so I was charged XXXX more overdraft fees, bringing my balance to - {$140.00}. the fees were {$36.00} each, so {$140.00} + $ XXXX {$140.00}. no more than {$5.00} was ever overdrafted by me. I talked to the bank but they said they could only reverse fees once every 2 years. I think it's ridiculous I can be charged {$140.00} for overdrafting {$5.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issue with the Virginia law ( and other state laws ) that allows credit reporting companies like Transunion, XXXX, and XXXX to charge a fee in order to place a freeze on an individual 's credit report. 

Since these companies can not guarantee protection of the personal data of XXXX  citizens, we should not have any barriers for the protection of personal identity and financial standing. 

I did not have to pay a freeze with XXXX because my personal information was most likely compromised from the recent breach. 

I had to pay a {$10.00} fee to Transunion, which I have issue with. 

I have been unable to place a credit freeze with XXXX due to technical issues on their website, but they also charge a {$10.00} fee, which I have issue with.
Product: Credit reporting or other personal consumer reports

Accounts falsely reported hard inquiries under my credit reports, unrecognizable. 

XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

( MY PHOTO ID SHOWS MY OLD ADDRESS, XXXX XXXX XXXX XXXX XXXX TX XXXX. I DO NOT LIVE HERE ANYMORE. I WILL UPDATE MY PHOTO ID TO MY NEW ADDRESS AS SOON AS POSSIBLE TO XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX. ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I HAVE DISPUTED SEVERAL ACCOUNTS THAT ARE INACCURATE ON MY CONSUMER REPORT. ALL OF THESE ACCOUNTS ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE, AND 3 ACCOUNTS ARE ALSO PAST THE STATUE OF LIMITATIONS AND PAST THE STATUE OF LIMITATIONS FOR COLLECTION IN MY STATE. THESE ARE CLEARLY VIOLATIONS OF MY RIGHTS UNDER THE FCRA. THE ACCOUNTS ARE INACCURATE, UNVERIFIED AND MUST BE DELETED OR I WILL HAVE TO PURSUE OTHER AVENUES TO BE COMPENSATED AND HAVE THE ACCOUNTS DELETED FROM MY CONSUMER REPORT IMMEDIATELY. DELETE THESE ACCOUNTS ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - THESE ACCOUNTS ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE BETWEEN THE 3 CRA 's & LATE PAYMENTS IN THE PAYMENT HISTORY. THESE ACCOUNTS ARE NOT LATE AND MUST BE UPDATED TO PAID AS AGREED. PAID ON TIME IN THE ENTIRE PAYMENT HISTORY. ( 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

I opened a Barclays credit card and received miles for XXXX XXXX flights in XX/XX/XXXX. Upon opening the account online I was prompted by their website to establish auto-pay, which I did with my bank ( XXXX bank ). I was told auto pay was the only way that I would be able to get the miles for flights.I made a single charge on this act on XX/XX/XXXX for {$3.00}. I presumed that autopay was set up so there was no need to be concerned about making a payment. In XX/XX/XXXX I was informed via an email that my act was past due. Upon logging onto the Barclays website, I saw the single charge for {$3.00} and a series of late fees. I immediately paid the balance including the late fees, and contacted customer service and explained that I enrolled in autopay and was told that there was nothing that could be done other than mail in a complaint. Recently I received a credit report with a much lower credit score due to this discrepancy. I kindly requested again that Barclays remove the delinquent payment from my account and provide that information to the credit agencies which said they can not do. I did not receive notice emails from Barclays about an outstanding balance in XXXX, XXXX, and XXXX or any mail correspondence of a deliquent balance. Furthermore I was not worried about any potential balance because I thought I was enrolled in autopay. Additionally XXXX were very stressful times because of the COVID-19 pandemic and work related challenges. Barclays is unwilling to remedy/adjust my credit report for a {$3.00} charge in which I believe I was enrolled for auto-pay.
Product: Credit reporting or other personal consumer reports

Pursuant to my CFPB complaint # XXXX dated XX/XX/year> including my identification information attached ( see attached ), XXXX XXXX has responded to said complaint on XX/XX/year> advising they are mailing me a copy of my XXXX Consumer Report on XX/XX/year> for my review ( see their response, attached ). 

As of today, XX/XX/year>, I still have NOT received a copy of my XXXX  Consumer Report, for my review, from XXXX XXXX. 

At the same time, as of today, XX/XX/year>, I have received six ( 6! ) more virtually identical automated letters from LexisNexis Risk Solutions - two of which were dated XX/XX/year> - and ALL (! ) of which simply stated, once again, that LexisNexis was unable to process my request due to being unable to authenticate my identity. 


The two of the six letters in question that were dated XX/XX/year> - the same date that XXXX XXXX had allegedly sent me my XXXX Consumer Report for my review- and that I received today, XX/XX/year>, have the following information : Letter 1 : Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Contents : Unable to Process Request, unable to authenticate identity Letter 2 : Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Contents : Unable to Process Request, unable to authenticate identity
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 ( Original Creditor XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My personal email account was hacked back in XX/XX/year>. Using that information, a purchase was made online through seat geek online for {$740.00} worth of hockey tickets. This purchase was made without my knowledge or consent. I disputed these charges with Bank of America three times but they continue to say they are unable to approve my claim. In a phone call with them back in XXXX I had requested documentation of their efforts, but they still have not provided any.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXXXXXX Balance : {$160000.00} XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Product: Credit reporting or other personal consumer reports

Ongoing FCRA Violations and Credit Reporting Discrepancies on my credit reports with Experian, XXXX, and XXXX, specifically related to the charge-off account with the account number XXXX, originally held with XXXX XXXX XXXX . 

Despite multiple disputes and XXXX XXXXXXXX XXXX confirmation that the account is not currently reporting, it persists on my credit reports. XXXX XXXXXXXX XXXX response on XX/XX/XXXX, clearly stated that " the credit bureaus are not displaying this account on your credit report. '' However, subsequent disputes with the three major credit reporting agencies ( CRA ) have yielded inaccurate verifications. 

This situation is further exacerbated by the Experian representative 's statement on XX/XX/XXXX, asserting that XXXX XXXX needs to confirm that the account is no longer reporting to them not me. I find this perplexing, given that I have provided Experian with my dispute letter to XXXX XXXX and the corresponding response, yet the account still reports as verified. 

Furthermore, the discrepancy in reporting among Experian, XXXX, and XXXX raises serious concerns about the accuracy and consistency of the information they rely on. If XXXX XXXX asserts that the account is not reporting, why do all three CRAs independently verify its presence? 

I want to bring to your attention three critical issues that require immediate resolution : 1. **Expiration of Reporting Period** : The XXXX XXXX charge-off account has exceeded the permissible seven-year reporting period under the FCRA. It should have been removed from my credit reports upon reaching this time limit. 

2. **Verification of Reporting** : Pursuant to the FCRA, I request verification of the accuracy of this charge-off account. Please provide the necessary documentation to substantiate its legitimacy. 

3. **Sold to XXXX XXXX** : This account was sold to XXXX XXXX , making it a violation of the FCRA to continue reporting it under XXXX XXXX XXXX name.
Product: Debt collection

My credit report shows that I owe XXXX XXXX and this particular debt collection agency is collecting the debt did not notify me of this debt and give me a chance to respond. I was successful in getting this deleted in XXXX out of the XXXX credit reporting agencies, but ca n't get XXXX to budge unless I pursue this further.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XXXX, I received an invoice from the XXXX XXXX XXXX XXXX in the amount of {$590.00} for cable TV services provided. Because I have not requested such a service, I called the company to find out what was due to that charge and I was told that I could not make the claim by phone, that I should go to an agency. I did so and I was given several invoices at the Agency in which I could notice that the person requesting the service used my name " XXXX XXXX '' with address in XXXX XXXX XXXX XXXX XXXX XXXX. On the above, I would like to clarify the following. Since I arrived in XXXX, I purchased a telephone line with XXXX XXXX XXXX personally but then charged the account of my daughter XXXX XXXX, who is in charge of the payment. I do not fail to say that I do not use any other XXXX XXXX XXXX service for three reasons : the first because I do not have the economic capacity to pay for cable television, second because the Mobile Homes residential where I live requires XXXX  services and they do not allow one to use the services of other companies and third, I have XXXX  years of residing in XXXX, Texas, I do not Therefore, I request to investigate who was the person who requested such a service using a name equal to mine and to clean my name to those who apply.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking, and the information listed below, which appears on my credit report, is a result of that trafficking.

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

XXXX. ( XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX  XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) XXXX. ( XXXX, Account Number : XXXX  ) Inquiry : ( XXXX XX/XX/year> ) Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX XXXX Enclosures : Proof of identity Trafficking Documentation
Product: Money transfer, virtual currency, or money service

I called cashapp aka Block for my money after someone stole it and they never called me back and told me it was nothing they could do. I never spoke to a live person ( 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 reporting, credit repair services, or other personal consumer reports

For one Experian have multiple accounts on my report that are incorrect and I disputed them which are negatively affecting my credit. Then they put a fraud alert on my account years ago and I requested for it to be removed. I recently applied for a business credit card and I was denied and had a hard inquiry pull on my report because Experian still has the alert on my account and then never notified me after me requesting for it to be removed. Now I have to reapply for the card again with another hard inquiry. Now after having to reapply for a credit card I called Experian and was advised that my security questions were answered incorrectly My old address is correct but the apartment is incorrect Then the fraud prevention they placed on my account states they are supposed to notify me if someone applies for credit in my name no matter day or night and they havent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inquiries from my credit report from all XXXX credit bureaus for 3 months and to date no resolve or removal.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report the account listed as XXXX XXXX Account # XXXX & XXXX XXXX XXXX Account # XXXX incorrectly. They are reporting the account as charged off when thats not correct. Each consumer agency stated they verified the information but provided no proof that they did verify it : since we could not come to terms with this information I initiated arbitration and this is notice they the filing fee needs to be paid and turn over any evidence that proves that this account is indeed charged off and a collection. I know it can not since the negotiable instrument used during this transaction is a security being traded in the primary and secondary markets. Furthermore the bank never loans money but processes securities. The consumer agency is also in cohorts with the creditors because they sell consumer information for a profit and by their own SEC filings it states the report are securitized this is why they refuse to remove the information even though they know its incorrect because I can not have a collection for an account that is also raising capital.