23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had an account with Discover Financial Services ( owners of Discover Card ) and due to economic hardship, I transferred that account to a debt management company to assist me with controlled monthly payments. I was making continuous payments to this program until I got laid off from my job and found myself in dire straits. The debt management company did relay the news to Discover and without my knowledge ( they only notified the debt management company and did NOT send me a letter in writing as per the law ) they ended their participation in the program and sold my account to a debt collection agency. Under the Fair Debt Collection Practices Act, they have reported inaccurate information to the credit reporting agencies stating that I abandoned the account when I in fact did not and also did not send me a letter in writing notifying me that they sold my account to a third party collection agency. I have sent Discover XXXX letters via registered mail and also did contact the New York State Department of Consumer Protection, but did not receive a reply from Discover after both approaches. They have refuse to return my calls and letters regarding my account and I require urgent assistance before I take legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXXm requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Product: Debt collection

XX/XX/2020 I submitted to XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  that I had paid my bills for XXXX XXXX MD directly to his billing office at UT XXXX XXXX Texas. I submitted letters of proof, including letters from UT XXXX XXXX XXXX XXXX. 

Now, XXXX XXXX has sent me a letter from CommonWealth Financial Systems asking for me to pay them when this debt was paid in full and cleared with a final balance of {$1.00} on XX/XX/2020 and I submitted their proof back on XX/XX/2020. 

I need for this fraud to stop as this debt has been paid and they keep placing this debt on my credit report I have had to have this debt removed three times to date.
Product: Credit reporting

I have incorrect information in my credit reports as well as information that has been previously deleted and has now been reinserted using slightly different information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX  Balance XXXX {$300.00} XXXX XXXX Balance : {$870.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$740.00} 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 reporting or other personal consumer reports

I constantly check my credit report and notice that the errors and false misleading information for individual accounts are didn't quite meet the credit reporting standards of being 100 % accurate. this has damaged me and held me back from some time now. My life has been affected a lot from this false information. I am demanding CFPB to enforce the correction and deletion of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I am a veteran and it involves the FCRA in a very consumer-focused state, the Offices of Senator XXXX, Attorney General XXXX XXXX ( Governor Elect ) and Governor XXXX XXXX of Maine have all shown an interest in this situation, and most advice seems to lead to the FTC. Thank you in advance for any help provided. 

In addition to many other resulting expenses involving high interest rates on low value credit cards, difficulty getting a good job equal to my experience and education, and the inability to purchase or lease a car, XXXX just denied denied me a credit card because XXXX incorrectly reported my FICO score at XXXX instead of about 800 as it should be. All 3 bureaus refuse to repair their database models to fix this obvious problem. They dropped my FICO score by 180 in XX/XX/XXXX by error and say they can't or won't fix it. Either way appears to me to violate the law?! I believe there must be tens of thousands if not hundreds of thousands in this same situation. 

An XXXX  supervisor I spoke with admitted to me on the telephone they do and can not not adjust scores when it is proven to them and admitted by the billing entity that it made a mistake even when the original 30 / 60 / and 90 day late and collection in my case are removed at their request. 

Today Experian reports XXXX at XXXX, and XXXX the same. 

The error was for an emergency room visit InXX/XX/2017 the Veterans Administration should have paid. My FICO decreased due to one ER room visit that the VA owed as follows : 1.XX/XX/17 XXXX ( collection-related ) 2. XX/XX/17 XXXX ( collection ) 3. XX/XX/17 XXXX ( pre-collection ) 4.XX/XX/17 XXXX. ( 60 days ) 5.XX/XX/17 XXXX ( 30 days ) Total : XXXX This is a simple fix to a database program.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan online on XX/XX/2024 on the Penfed Credit Union website for the loan amount of {$13000.00}. I applied as a single applicant and was denied. After being denied my spouse agreed to be added as a joint applicant. We were denied on the joint application as well. I spoke to Penfed on the same date to understand the reason for denial as I have an outstanding credit score/history. Penfed indicated that they would be mailing a letter of denial with the denial reason. We both received the letter of denial with the same reasons of denial as follows : utilization of accounts, number of accounts, and/or occurrence of a derogatory event. 

The reasons provided by Penfed for denial are ambiguous due to the fact that : - On the same date, XX/XX/2024 after the denial from PenFed I applied as a single applicant for the same amount and loan type with another lender online and was approved in minutes. 

In addition my credit details are as follows : - XXXX XXXX of XXXX ( per Penfed ), and XXXX by XXXX - A credit usage percentage of XXXX XXXX ( less than XXXX XXXX  is considered good ) - Total outstanding balances {$6300.00} - XXXX credit card accounts open ( XXXX accounts with a XXXX balance owed and XXXX with a balance of {$6000.00} owed ) - No history of late payments - No negative or derogatory history Due to the reasons for denial being untrue and my strong and solid credit history. I have no other reason to believe that disparity is confirmed and that I was denied due to the fact of having an XXXX American, XXXX name, and being XXXX years of age. This leads me to believe that PenFed is engaged in unfair credit lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS UNAUTHORIZED USE OF MY CONSUMER REPORT AND IT IS NOT FAIR AND EQUITABLE TO ME NOR IS ACCURATE I DEMAND THESE INQUIRES BE DELETED AND REMOVED FROM MY CONSUMER REPORT .CIVIL LIABILITY MAY BE GRANTED TO ME IF FAILURE TO COMPLY WITH FCRA 

Inquiries reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act, you are in violation of Sec. 604 Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.

Upon reciept of my credit report from your agency on XXXX I noticed that my credit report has been accessed by the following 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX4 EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX INFORMATION SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX INFORMATION SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This Complaint is being filed due to this firms lack of competent business practices and the manner in which this firm has attempted to extort excessive fees and charges due to an alleged balance they are attempting to collect on. This firm lacks any sort of consistency or professionalism and in trying to contact the incompetent individuals that are employed by this firm I have been met with a severe lack of follow up or professionalism. This Firm is attempting to collect on behalf of XXXX XXXX which is an XXXX firm that has failed to follow due diligence in its effort to conduct any sort of relevant business. Due to this companies lack of protocol or process they have now attempted to serve me on an erroneous lawsuit with excessive and what should be considered illegal fees and additional charges. I have made an attempt to contact this company prior and left messages on 2 separate occasions for a XXXX and XXXX, but have yet to have anyone from this organization reach out to me to discuss this matter. I am absolutely disgusted at the manner in which this firm has billed me, and I refuse to be bullied or extorted via a lawsuit. My recommendation is this firm needs to do a complete re evaluation on its business practices and I demand a review of this account and all of the erroneuos charges they have billed. I refuse to pay this companies excessive fees and will demand that they be removed.
Product: Money transfer, virtual currency, or money service

The company Coinbase is used by me to exchange, convert, and purchase crypto currency and USD. It is normal for users to have limits on the USD amount that can be spent using various methods of payment. My initial limit, which I can not recall, was raised upon verifying my identity as well as other requirements set by Coinbase to $ XXXX/week through my debit card and we'll above {$1000.00} via bank transfer. I recently sign in to purchase and exchange Bitcoin as usual, only to find that my limit was reduced to $ XXXX/week.  Upon my last login, my limit for bank transfer was reduced to {$0.00} and I was not allowed to initiate another purchase or transfer. I asked support why my limit was decreased, and they ave refused to provide a reason. Upon emailing support regarding the issue, I received a reply from " COINBASE SUPPORT '' denying that they are coinbase support and therefore can not assist me with my case. However, this email I sent, which they replied to making this false claim of identity, was in response to an email received from coinbase support, with a case number referenced. So, I don't know why I am being lied to, but, assuming they are telling me the truth, then this raised privacy issues and concerns considering I was never made explicitly aware that I would not be communicating with support from coinbase staff when exchanging emails about my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a identity theft victim and I've have accounts reporting on my credit report that doesn't belong to me. I've contact the bureau multiple times but received no results.
Product: Credit reporting or other personal consumer reports

Failure to Properly Investigate Disputed Credit Report Errors I am writing to file a formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Despite my efforts to dispute inaccuracies on my credit report, Experian has not conducted a reasonable investigation nor corrected the errors.

have disputed certain inaccuracies on my credit report multiple times ( provide specific dates and details of the disputes.

Despite providing all necessary documentation to Experian to support my claims, they have failed to remove or correct the errors.

I have not received proper investigation results, and the disputed items continue to appear on my report, negatively impacting my creditworthiness and access to credit, employment, and housing.

Additionally, I recently became aware of the CFPBs lawsuit against Experian for similar violations, including failing to properly investigate disputes and reinserting errors. I believe that my experience is consistent with the issues outlined in the CFPBs action, and I am seeking resolution and proper correction of my credit report.

Desired Resolution : A thorough and accurate investigation of the disputed items.

Immediate correction and removal of any inaccurate or outdated information.

A clear response detailing the steps taken to resolve the issues.

Please investigate this matter and take appropriate action to ensure that Experian complies with the FCRA and corrects the errors on my credit report. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/18, I purchased four tires using an XXXX XXXX XXXX credit card from XXXX XXXX. The retailer, XXXX XXXX XXXX, was advertising a " {$100.00} Synchrony Car Car prepaid Visa card by mail '' if I used the Synchrony credit card. On XX/XX/18, I mailed in the application for the prepaid card. The application states to allow 6-8 weeks for the card and it has now been longer than that. I called the number on the  rebate form to inquire about the status. After 25 minutes, I was told I reached the wrong department in the rebate center and was transferred. After 30 more minutes on hold I was told the department I reached was just for General Motors and was transferred again. After another 30 minutes on hold I gave up.
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.

Additionally, their dispute resolution process was unfair and deceptive, as they failed to comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused major inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

this company has kept XXXX of my accounts in dispute for 14 months.
Product: Credit reporting or other personal consumer reports

This morning, I found incorrect accounts on my credit report, and I dont understand how or why this has happened. I check my credit report regularly, and everything was fine before. But today, these mistakes appeared out of nowhere. I even refreshed my browser multiple times, hoping it was just a technical issue, but nothing changed. These errors stayed there, and now Im at a loss for what to do. Please, Im begging you to thoroughly review the documents Ive submitted so I can stop living with this constant fear and uncertainty.
Product: Vehicle loan or lease

Inaccurate late payments reported by Ally Auto. After six different attempted disputes all they do is move the inaccurate late payment to a different month, somtimes 2 or 3 months from original month reported. When attempting to contact Ally Auto directly I am places to an outside call center and told there is no back line to speak to supervisor and that I must dispute through credit reporting agency. I am disgusted at the level of service from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFBP. I am reaching out again because DEPT OF EDXXXXXXXX XXXX did not correct the errors and they are reporting on the credit reports. I was the process of purchasing a home and lost out of the home due to late payments from XXXX. XXXX has incomplete accounts numbers -showing partial account numbers. Some are showing 90 days back-to-back, while some say 60 then back to 30 back to 90 the 150 days late. I have requested under law fix this by removing this erroneous information. XXXX XXXX XXXX XXXX XXXX XXXX. I requested this to be removed immediately. It is against the law to furnish information that is inaccurate. 
There is also payment as if I had paid on some of the accounts. This is also not true.

1. impartial accounts and all three credit reports 2. different amounts and dates on all three credit reports 3. causing great harm to my rights to purchase and it's been an ongoing request that no one seems to take note. 4. When mak
ing the attempt to write DEPT OF EDXXXXXXXX is showing two different addresses? 
How was this information verified, crossed reference? How? 
I received a letter that they were not going to make changes, while I received another letter that they would remove but can't guarantee the future. The late payments are still showing on All three credit reports again with partial account numbers. 
different dates, different amounts, different actions.

Because of this mismanaged information. I am requesting this be removed immediately. Not in 30 days. As I had lost the purchase of a home due to debt-ration being extremely too high and late payments. Which all three credit reporting agencies and reporting. I can afford to wait another 30 days for this company to fix this. 
I am really needing help. 
Thank you for reading. 
XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX and XXXX XXXX XXXX are trying to collect a sum of money I do not own them .... 

XXXX XXXX XXXX violate al my consumer right and give another company " Credit Control , LLC '' all my personal and private information and now this company is trying to scam and rip me off using a federal government organization as the USPS to send me mail letters to collect a sum of money I do not own them. 

I do not own Credit Control , LLC any sum or money otherwise they need to send me any signed contract or agreement between me and them that shows I own them any sum of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a 30 day late on my credit report and didn't get a response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX until the month of XXXX of XXXX I have submitted multiple requests to have information verified and each time nothing happens. Please examine my documents I have put together that shows the credit bureaus incapability to assist me in the matter. 

As of XX/XX/XXXX I have received response from Equifax and XXXX. Both companies are 100 % certain the investigation they conducted was thorough and fair. Attached will be a letter thoroughly explaining what information is wrong and from what accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.