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

I have sent letters to XXXX, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and havent not received any responses regarding my inquiries into several accounts found on my credit. I understand it is the credit bureaus obligation to investigate each account and they have failed to provide the necessary validation documents or delete the negative accounts as requested. I am requesting a thorough investigation be completed into the following accounts and a prompt notification be provided once the accounts have been deleted and/or updated : 1. SYNCB/XXXX  Acct # : XXXX please validate this account with XXXX, XXXX XXXX XXXX XXXX Please delete and remove. 

XXXX. XXXX  Acct # : XXXX this account was paid and should NEVER have been sent to collections. Please delete and remove. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. ) Acct # : XXXX this account is reporting to XXXX after being removed from XXXX XXXX XXXX and needs to be deleted and removed. 

XXXX XXXX XXXX XXXX  ( Original Creditor : SYNCHRONY BANK ) Act # : XXXX Please verify this account and delete this account. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX GRP ) Acct # : XXXX Please investigate the validity of this account and delete. 

XXXX. XXXX XXXX ( Original Creditor : XXXX SYNCHRONY BANK ) Acct # : XXXX Please delete and remove this account and investigate.
Product: Credit reporting or other personal consumer reports

I would like someone to explain to me why I am not allowed to participate in society and why I am told that I am not allowed to exist anymore. I am unable to find a job despite being over qualified for the jobs that I apply for and a spotless history of work perforamnce. I live in Nevada and they have taken away my food stamps. The state of Nevada is so corrupt that they purposefully give me wrong information like dates of interviews, they call me on different days than the appointments are confirmed for and then they deny my application and tell me that I didn't complete the interview. When I call them they tell me that I have to go down to a location and talk to them in person. My sister doesn't have to do anything and they call her on the right day and time and couldn't be nicer to her. 

I had four credit cards that I have never missed a payment on yet my credit score has been destroyed and is under XXXX. They have all reduced my available credit for no reason. They has dropped my credit score over XXXX points and I went from XXXX to XXXX and I HAVE NEVER MISSED A PAYMENT. 

I was unable to graduate college because of XXXX and their financial aid office and their sabotoging my financial aid. They made it impossible for me to attend school and say that I owe them {$12000.00} because they sent back my finacial aid to the DOE. The DOE has no record of this {$12000.00} and they say that I owe that money. 

SOMEONE TELL ME HOW THIS SYSTEM ISN'T RIGGED AGAINST ME????????????? 

SOMEONE TELL ME WHAT A WORTHLESS ORGANIZAITON THE CFPB IS WHEN THEY ALLOW THIS TYPE OF THING TO HAPPEN AND DO NOTHING?????? 

WHAT HAPPENED TO MY XXXX GIVEN RIGHT TO THE PURSUIT OF HAPPINESS AND THE RIGHT TO SUPPORT MYSELF THAT HAS BEEN TAKEN AWAY FROM ME?????????????????????????????????????????????????? 

WHAT AM I SUPPOSED TO DO?????????????????????? 

SHOULD I XXXX XXXX XXXX  NOW OR DO I HAVE TO BE HOMELESS????????? 

WHY CAN'T I JUST WORK AND HAVE A NORMAL LIFE???????? 

I HAVE DONE NOTHING TO ANYONE
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$470.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

First National Bank of Omaha has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax is continuing to report erroneous information in referenc to XXXX accounts that do not belong to me, have no/cancelled contract, and have been previously deleted and reinserted.
Product: Checking or savings account

As indicated several times before, funds from the account were never transferred back into the account sending. CFPB and US Bank haven't adequately addressed all of my concerns mentioned. Please forward ALL of my complaints regarding US Bank to the Ombudsman Office.

MY FUNDS WERE NEVER TRANSFERRED BACK INTO ACCOUNT SENDING!!!
Product: Credit card or prepaid card

I called American Express on XX/XX/XXXX to tell them that I had just lost my job and will not be able to pay them the amount I am being billed. I have been a customer of theirs since XXXX and have always paid my bills on time. In the past when I had financial issues such as being laid off from a job, they let me get on a payment plan or hardship plan until I found another job. This time when I asked for a hardship plan or payment plan, they refused and said I am not eligible for any such plan. I reiterated that I DO NOT HAVE the money to pay them. They said, " well, then your account will be past due. '' This is unacceptable. I am trying to work with them, but they will not work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint with experian on XXXX for not updating with credit bureaus. XXXX updated account for a while than stopped. As of now the account has not been reported since XXXX of XXXX I spoke with someone about trying to get this corrected and they refused to update my xredit report, unless I am in tbe process of completing a purchase only.
Product: Checking or savings account

Wells Fargo managed my accounts incorrectly, which resulted in late fees for other consumers. Transactions related to deposits and withdrawals were not processed accurately or in a timely manner, leading to confusion about my account balance. This mismanagement has caused significant issues, including late fees affecting other customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

The Credit bureaus stated my accounts were properly investigation but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and date last reported is not accurate, balance owed inaccurate, account ratings are inaccurate, last payment date inaccurate, account statuses are inaccurate. This ground 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 Section 2 : Its states a consumer reporting agency can not furnish an account without my written instructions Also, the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking number : Tracking number : XXXX Tracking number : XXXX Tracking number : XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We just got a chapter XXXX bankruptcy discharged. Prior to the discharge, the mortgage company tried saying we were 3 months behind on our mortgage payments. We proved that we had made all of the payments and the mortgage company withdrew their request for relief. After that, it took about a month to get the discharge. With the discharge, we received documents stating that our mortgage payment was going up by approximate $ XXXXmonth to cover escrow deficiency. We were not given an opportunity to respond to this with the courts. Then, within a couple of weeks of the discharge we got documents in the mail stating that we were 2 months behind on our mortgage and threatening foreclosure. When we called to try to show them that we had not missed any payments, they reinforced the threat of foreclosure and said that we had to pay them {$1900.00} to get up to date. A couple of days later, the amount changed to {$1500.00}. We have an email from their attorney from XX/XX/XXXX stating that all we had to pay to " get caught up '' was {$110.00}. We still dispute that amount as we have faithfully paid our mortgage during the entire bankruptcy, which began in XX/XX/XXXX and the short payment that they allege was all that was due because of previous overpayments. However, we paid our full payments in XXXX and XX/XX/XXXX, so as confirmed by their own attorney, the {$1900.00} or {$1500.00} is not money we owed them. We paid the {$1500.00} to keep from having false information reported to our credit. We have had ongoing issues with this mortgage company since XXXX. It is criminal and we need it resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time disputing these address on my credit file. I have never lived in NEW YORK in my life and I and a victim of fraud and I want these fraudulent addresses removed from my credit reports. My name should appear as XXXX XXXX XXXX DOB XXXX SS XXXX my only address should be XXXX XXXX XXXX  XXXX OH XXXX. Please delete the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
I am disputing the unknown account on my credit file : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, US DEPT OF EDUCATION/XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT MINE. I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. Also, XXXX  XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX XXXX  - XXXX - My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX XXXX XXXX XXXX  - My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Product: Checking or savings account

Capital One offered me 4 % to click a link on their website ( under " Credits for Shopping '' ) and use my checking account to buy from XXXX. I attempted using this offer, but have yet to receive a credit from XXXX spending. 

I called to request help, but 2 different customer service reps could not tell me anything about the offer. The first rep put me on hold 4 times and then transferred me. The second one to whom I was referred told me I would need to email XXXX. I did as instructed, but was told they couldn't help me and I would need to go back to customer service. 

I suspect Capital One is making this offer very difficult to achieve and also not training their customer service on how to assist customers. I do a lot of business with them and would appreciate help or for them to stop soliciting sales on their website. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my educational loans have been forgiven/discharged but the credit bureaus still list one them on my report as unpaid.

I have disputed charges on my credit report with all three credit reporting agencies and when they investigated they said the info was correct and the account stays the same. They claim that they have verified the info through the Dept of Education or XXXX. This is not true because I have a letter of discharge and I have called every department which all have confirmed the same info of my loans discharges having a XXXX balance. This is unfair, unacceptable, frustration and illegal! Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN TRYING FOR SEVERAL MONTHS TO GET MY DISPUTES COMPLETED WITH THE BUREAUS BUT IT SEEMS LIKE THEY ARE IGNORING MY REQUESTS.
Product: Vehicle loan or lease

XXXX continues to ignore my request to bring my account up to date! 

They have not reapplied my payment if XXXX back in XXXX for at least XXXX FULL PAYMENT and XXXX to get me current and ahead! 

I was also approved for extension for XXXX payment to be placed at the end of XXXX and they reneged. 

I continue to get XXXX fees and interest that SHOULD NOT BE APPLIED! 

Credit bureau is staying Im up to date and I been paying each month and then XXXX in falsely claiming Im behind! 

They are making phone calls to my friend stating Im behind which Im am NOT!

I want them to REApply my payments correctly So I know Im at least a month ahead accordingly to my calculations! 

I want a change in date due to the XXXX of each month because of my fixed income on the XXXX of each month!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash A

pp ( 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, a
nd I seek appropriate redress for these violations.
Product: Checking or savings account

I work for a XXXX XXXX company in New York as a XXXX. i have received my pay check since there was a technical issue with my direct deposit. i went to XXXX new jersey branch to deposit the check since i was in need money very urgently. i deposited the check and next business day early morning XXXX XXXX funds available, since i was in need money very urgently, i had sent money through XXXX to one of my friend, the amount i sent was {$2000.00}. 

After that bank of America put my account on hold, there should be almost XXXX in my bank account, everything they made as negative. now my bank of America account is showing - {$1400.00}. i called my company HR and every single my co worker about this issue, they all said they don't have any issue with their checks. i called the bank of America they were telling my actual funds will be available on XXXX XXXX   i am not doing any gambling or cheating or fraud, why my account was on hold and why they took my money, i don't have any other bank account to feed my family with XXXX XXXX and XXXX year old kid.
Product: Debt collection

I am formally requesting full validation of the alleged debt before I take any further action. In addition, I am requesting that you Cease Collection Efforts Until Validation Is Provided. Under 15 U.S.C. 1692g ( b ) and Cal. Civ. Code 1788.14, you are legally required to cease collection efforts until you provide full and complete validation of the debt. Continuing to collect without validation may result in legal action for violations of both federal and California state consumer protection laws. Also, Proof that this debt is not time-barred under Californias statute of limitations.

Additionally, per 15 U.S.C. 1692e ( 8 ) and Cal. Civ. Code 1788.18, you are prohibited from reporting this debt to any credit reporting agency until it has been properly validated. Since you have already reported it, I request that you immediately remove the reporting until full validation is completed.

Please respond to this request within 30 days of receiving this notification. Any further attempts to collect without proper validation may be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ), the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), and California 's consumer protection laws.

If you fail to provide the requested documentation, I will assume that this debt is invalid and expect no further communication regarding it.
Product: Debt collection

I transported XXXX want worth to the hospital and whoever transport someone it doesnt mean that they are responsible for the medical pill. XXXX was in the custody of her father, who was ordered by court order to carry medical insurance on her.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information. 
Fraudulent Accounts 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 Fraudulent Inquiries XXXXXXXX XXXX XXXX XXXXXXXX