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

Account XXXX is inaccurately reporting on the credit profile associated with my social security number and is violating my consumer rights per the following information : Based on the information provided, the following inconsistencies can be observed : The Date Opened of the account on XXXX is XX/XX/XXXX, while on Experian, it is XX/XX/XXXX. There is a difference of 24 days between the XXXX dates, which indicates a reporting error. 

The Date Last Active on XXXX is XX/XX/XXXX, while on Experian, it is XXXX XXXX XXXX There is a difference of 96 days between the two dates, which also indicate a reporting error. 

The Payment Status on XXXX is Unknown, while on Experian, it is Current. This inconsistency can indicate a failure to report accurate and complete information to the credit reporting agencies.

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires that the information provided by a credit reporting agency must be accurate and complete. In addition, FCRA Section 611 ( a ) ( 1 ) ( A ) gives consumers the right to dispute inaccurate information on their credit reports and requires the credit reporting agencies to investigate and correct any errors. 

In addition, the account comments state XXXX XXXX bankruptcy for XXXX and Account has been closed due to inactivity for Experian. These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires that the information provided by a credit reporting agency must be accurate and complete.
Product: Debt collection

I have received numerous letters from National Credit Systems Inc. alleging that I owe a debt to XXXX XXXX XXXX. I have never lived in such an apartment and have lived in my current home for over 15 years. This debt is not mine and presumably belongs to someone else of the same name. They state that they have already reported the " debt '' to " all XXXX credit bureaus, which is likely affecting [ my ] ability to obtain credit, rent, or secure favorable interest rates. ''
Product: Debt collection

I am being taken advantage of by XXXX, XXXX, and XXXX. These three companies are violating my rights given to me by the FCRA ( Fair Credit Reporting App ). I DID NOT give them permission to access my NON PUBLIC PERSONAL INFORMATION nor did I CONSENT for them to furnish anything on my consumers report/credit. According to 15 USC 1681 ( b ) ( 2 ) my permission is needed for ANY PERSON to access or furnish anything on my consumer report! Yet once again that permission was not granted by me. Not only are inquires being reported without due cause, but my rights to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 USC 1681 ( a ) ( 4 ). I demand that each and every item I disputing to be removed. There is no way any person can validate fraudulent activity! I have paid every single month on time but have yet to receive a respond to have this garnished off my 3 reports. Due to my identity being used without my consent this is basically theft as defined by 18 USC 1028 ( a )! Please remove all request as soon as possible. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX  Account XXXX Account name : XXXX  Account XXXX Account name : XXXX  Account number : has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I purchased SEO/digital marketing services on XX/XX/2022 from XXXX ( XXXX XXXX XXXX/ ), following a conversation with the company 's sales representative, XXXX XXXX. I explained to him that I had hired another SEO/digital marketing service in the past, which did not deliver on what it promised, and he assured me that XXXX would be able to successfully rank my website within 90 days. I submitted {$900.00} USD payment via my Chase Bank debit card on XX/XX/2022. Subsequent to the initial XXXX period, the company sent me another invoice to pay another {$900.00} USD for an additional 90 days of SEO/digital marketing services. They then assured me ( see attached ) that SEO sometimes requires a longer period of time but that my website should be ranked within 180 days. Despite numerous messages to the company ( see attached ), expressing my dissatisfaction at the lack of traffic my website had received ( see attached ), the company then sent me a third invoice, requesting another {$900.00} USD and then changing the anticipated timeframe for ranking my website ( see attached ). 

I subsequently contacted Chase Bank, N.A. to file a formal dispute, explaining that the service paid for was not as described by the merchant. Chase Bank initially advised that it would be able to potentially recover {$900.00} of the {$1800.00} total I paid. I agreed to this at the time I filed the complaint but received notification XX/XX/2022 that neither charge would be refunded due to " being outside of the XXXX window '' established by Visa. I explained to Chase Bank XX/XX/2022 that I did not dispute the charges sooner due to having been lied to by the merchant and, specifically, having been given changing timeframes for when I should expect results from the merchant. I requested a contact person at VisaXXXX with whom I could speak, and the Chase Bank representative refused to provide me with information about with whom I would need to speak to resolve the matter. I initially offered to provide Chase Bank with copies of the attached email communications with the merchant, proving my allegations, but Chase Bank declined these at the time and stated they would request them during their investigation. However, the investigation, I was informed XX/XX/2022, was " completed '' by Chase Bank, and nobody at the organization requested any of the attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX.
Product: Debt collection

XXXX XXXX XXXX has been trying to Collect a debt that isnt mine anymore. It was sold and into collections and is owned by someone else now. It was off my credit report for months and now all of a sudden they just piled it onto my credit report which is affecting my overall credit. I have worked so hard to fix my credit and now they are on my report as a portfolio recovery
Product: Credit card or prepaid card

On XX/XX/2018, Chase has closed two of my credit cards. 

I have built a good relationship with chase. I honestly don't think I did something wrong to get it closed. I have XXXX credit score, few points away from excellent, never missed a payment, and paid all of my debt on the following month. 

I called the chase about 3 times to get it re-open, and they said it is permanently closed, and there is nothing that they can do about it. 

I really need these two cards, because as a full-time student, that 2 % of reward is significant for me. 

Please help.
Product: Credit reporting or other personal consumer reports

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

ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} 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 XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

XXXX XXXX ( Bank ), formerly known as XXXX XXXX XXXX XXXX Bank, has failed to provide important documents of an account they have sold to XXXX XXXX XXXX on my behalf. I am disputing this with XXXX XXXX XXXX and they do not have any sufficient documents to prove the balance of debt that you sold to them. 

I am requesting that copies of all documents that belong to this account including : Signed Credit Application/ Contract Copy of Identification Used to open account All bank mailed letters concerning selling of account Copies ALL statements from opening of account Details of Purchases that amount to balance owed Copy of letter of Sale of Debt to Portfolio Copies of all bank letters mailed on behalf of this account ( Ref No. : XXXX Complaint XX/XX/2017 ) I have requested from XXXX XXXX XXXX that this account be removed from my credit report. They said you sold the debt to them. I hope this is not FRAUD by you bank going on. Please send me these documents ASAP and no later than 30 days required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of ID theft and Experian blocked the fraudulent trade lines as required, BUT two of the items are now being reported under a different name. someone opened a XXXX  account and also tried to rent an apartment under my name. if u noticed my previous complaint you will see the blocked company " XXXX XXXX '' tried to collect for XXXX and now " XXXX XXXX '' is trying to collect for the same blocked account.
Product: Credit reporting or other personal consumer reports

I have about XXXX accounts on my report that are not mine that Ive never even heard of. Ive tried to dispute them and nothing happens. I have accounts on there that have higher balances than what they really are. I have a couple accounts for building that do not show up on the credit agencies and I also paid off aI have about XXXX accounts on my report that are not mine that Ive never even heard of. Ive tried to dispute them and nothing happens. I have accounts on there that have higher balances then what they really are. I have a couple accounts for building credit that do not show up on the credit agencies and I also paid off a truck loan Over XXXX months ago and still a negative mark and Ive had XXXX inquiries somehow that I never did
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting closed and paid in full WalmartCapital One card to all credit bureaus XXXX, XXXX and XXXX as missed payments which drops my fico scores dramatically keeping it in the negative with other possible financial creditors. Why is this reported four times its paid its closed. XXXX XXXX is saying that capital one gives them the information to report and they do it and get paid for it. This is unprofessional and fraudulent activity. As a woman this is discriminatory toward my gender and a person of XXXX as I have on many occasions as for a resolution and the answer is not resolved. These practices must stop. Iam asking cfbs to take the most aggressive steps to stop is egregious behavior towards correcting my credit accounts reported as I final step I will seek legal action for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on several occassions contacted XXXX, XXXX, and experian and have placed a fraud alert on accounts along with sending in my FTC ID REPORT IN REGARDS TO ACCOUNTS WITH XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX AN ONLINE ACCOUNT WHERE AN APPLICATION WAS SUBMITTED IN MY NAME ACCOUNT XXXX ON EXPERIAN, XXXX, AND XXXX. ALSO AN ACCOUNT SHOWING AS A PAID REPO NEEDS TO BE REMOVED FROM XXXX XXXX XXXX ACCOUNT NUMBER XXXX I AM STILL WORKING TO RECOVER MY IDENTITY AND I EXPECT THIS TO BE RESOLVED IN A MANNER OUT OF CIVIL COURT. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, Irecieved the attached email from ARSI regarding repayment options for resolving my account ( email included my name, the correct account name, reference number and total balance ). I then called ARSI directly ( used the phone number from the email ) on XX/XX/XXXX to discuss my acceptance of the terms outlined in payment option XXXX XXXX from their email and set up the 4 remaining payments. The customer service representative confirmed my account number, balance and my name/DOB/social were the same as what was listed on the email they sent me the day before then he confirmed they did send me the email I was referencing yesterday as well. 

However, the representative then stated that email was sent in error and the settlement options provided in the email were inaccuate and not available due to my current balance ( which was also noted on the same email with the settlement options they are no longer honoring ). 

They put me on hold then came back and said their " internal IT department sent that email in error and are working to update the info on the account ''. I told them it was extremely missleading that they sent, in writing, different settlement options associated to the same account and account balance and now would not honor them. He said there is nothing he could do besides give me the new repayment options, which are significantly more than what was originally provided yesterday.
Product: Debt collection

On XX/XX/23 I received a debt collection letter from Caine & Weiner for the amount of {$45000.00}. It said they were trying to collect on a debt I owe XXXX. I sent a letter by certified mail requesting debt verification on XX/XX/23. I still have received no response. What do I do now?
Product: Payday loan, title loan, or personal loan

In response to the company ( JP Morgan Chase ), I am requesting the decision that was suppose to be sent to me. This complaint is in response to case number XXXX. I want to receive a copy of the decision notice that was suppose to be sent to me in XXXX. XXXX XXXX attempted to send me the notice by secure mail upon my request on XX/XX/XXXX. I would like that letter so that I can follow up with the XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax are reporting information related to an account that should be excluded from my consumer report which is detailed in the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into the accuracy of my personal information as recorded in my credit file. I am noticing unknown accounts on my credit report which is misleading to anyone who reviews my credit report. I am frustrated that this has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had originally submitted a CFPB complaint in XX/XX/2021 about XXXX XXXX XXXX reporting my auto loan incorrectly to the credit bureaus as a " Closed account with multiple late payments. '' When the auto loan was open, the account was always paid on time and there were never any late payments. I also have records of when these payments were made to confirm the strong and timely payment history of this account ( Account ending XXXX ). 

As of XX/XX/2021, I received a letter from XXXX XXXX XXXX stating that they had found in their research, that my auto loan was in fact being reported inaccurately and had acknowledged their mistake on how the account was being reported to to the credit bureaus. 

Per the letter, XXXX XXXX XXXX stated they had requested to update the auto loan payment history ( Account ending XXXX ) to all credit bureaus to reflect as " Closed, Paid in Full with no delinquencies reporting '' and the credit report would reflect these changes to the account within 30 days of the letter being received. 

As of XX/XX/2021, the XXXX XXXX XXXX XXXX account ending in XXXX does not even show up on my credit report at all. As a result, my credit scores have significantly declined because my on time payment history of this auto loan has been removed entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a complaint to have my transaction history marked as late payments removed from my consumer report due to the company, reporting my information inaccurately. The address on the account does not match mines. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX in a XXXX XXXX  credit card.
Product: Credit reporting

I have contacted Transition and XXXX. I asked them repeatedly to validate the debt by providing the third party who supplied the information concerning my state tax lien. I ask that they verify with the courts my name, address, date of birth, social security number, status, date of last activity, and the amount. I am confident that their entity did not investigate the matter with any court because I have visited the courts in my county and not one has any evidence anyone has appeared in person and requested my information. Each instance they responded by stating the debt is valid. I requested that they provide me with proof of their validation and they have refused. They are harming my way of life by negatively impacting my consumer report. I can not close on my house because of the information they keep reporting. I supplied information as they requested. However, they refuse to supply information I am requesting.
Product: Credit reporting or other personal consumer reports

This morning, I discovered errors on my credit report, and Im completely confused as to why theyre there. Ive been diligent about monitoring my report, but these discrepancies appeared suddenly. I thought maybe it was a temporary glitch and refreshed my browser multiple times, but it made no difference. Please, Im desperate for you to go over the documents Ive sent carefully to resolve this issue once and for all.
Product: Credit reporting

Equifax is reporting a single state income tax lien XXXX attached ) in duplicate on my credit report. 

I had a Georgia income tax lien XXXX XXXX XXXX ) placed against me on XXXX/XXXX/XXXX and paid the lien in full on XXXX/XXXX/XXXX. The Georgia Department XXXX XXXX charged a fee of {$25.00} in addition to the original lien amount of {$740.00} for a total payment of {$770.00} to satisfy the lien. 

The XXXX XXXX XXXX Court recorded the lien when it was placed XXXX XXXX XXXX in XXXX and then again to indicate its satisfaction XXXX XXXX XXXX in XXXX. Equifax is misrepresenting the recording of the satisfaction in XXXX as a SECOND tax lien on my credit report. 

Neither XXXX are reporting the second fictional lien but Equifax is XXXX see attached public records potion of my credit report ). 

Equifax has been put on notice by me and responded with Confirmation # XXXX XXXX see attached ) claiming they had investigated the matter and determined that each lien was reporting correctly. 

Either Equifax conducted NO investigation of my complaint dated XXXX/XXXX/XXXX ( see attached ) or their investigation was so SHODDY as to, in either case, constitute a violation of the FCRA by willful or negligent actions on their behalf.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Kohls / Capital One has violated x 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 card

I received an email from Bank of America saying we have received your application for XXXX XXXX credit card. I never submitted this application. My bank notified me that they checked my credit report. I contacted BOA and disputed this and they said they would close it and remove it from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is knowingly reporting an account that has been reported as identity theft. 
XXXX XXXX Acct # : XXXX I have sent police reports, notarized statements, identification and social security cards to all three credit reporting agencies. Equifax is the only agency that is refusing to remove the fraudulent account.
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 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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.