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

I've never had any issues with the Credit Bureaus until 2 years ago when they started allowing random companies post false information on my credit report. For instance, I graduated from XXXX but I paid off my balance that was not part of my student loans yet there's another charge on my credit report that XXXX doesn't know about. I disputed it with Experian even showing them a screenshot of the zero balance yet they keep it on my report. Then other accounts followed so now my credit report is the worst its been in years because they refuse to dispute and remove this false information properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified public record listed below is still reporting on my Transunion credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 


XXXX XXXX XXXX Date Filed/Reported : XX/XX/2016 Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and Ive noticed that I have a fraudulent account reporting on my credit report Im asking that this inaccurate account please be deleted.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan account opened at XXXX XXXX XXXX $ XXXX XX/XX/XXXX under the account number ( private ), an a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX {$11000.00} under the account number ( private ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing to request your help. I tried to solve this matter with Grant & Weber in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me. As of today they have failed to provide me with the proof I have lawfully requested. This account with fraud charges being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : Grant and Weber XXXX. Opened date : XX/XX/XXXX. Limit : {$500.00}. Status : closed. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX  XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : I made the payment on time, but it was incorrectly reported as late due to a processing delay by the credit union. I have attached my bank statement showing the transaction date, which clearly indicates the payment was made before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

My English is very poor. I ask for your broad understanding. 

Transaction Date : XX/XX/2021 Time : XXXX XXXX  Transaction Amount : {$2000.00} USD = XXXX XXXX Nowadays, it is possible to buy cryptocurrency on XXX crypto exchange, After hearing the news, Many people trading through XXX crypto exchange and so do I. However, Exchange rate of XXX crypto exchange is not fair and unfavorable to users. In particular, the market price of Bitcoin has fluctuated significantly over the past two days, XXX crypto exchange is trading at a significantly higher exchange rate than the real-time market price. 
It happened when I bought bitcoin. 
I bought bitcoin when the price of bitcoin fell down to {$39000.00} exchange wanted to reduce the damage, delay about X seconds when I placed my buy order. And settled my buy order at {$40.00}. The exchange rate is about {$1000.00} higher than real-time rate. Currently, all exchanges comply with the principle of trading at a real-time rate. By the way, it is unfair to vote at an exchange rate as high as {$1000.00} because the market price fluctuates significantly. In this case of my transaction, XXX expected the exchange rate to rise, so settled my buy at a {$1000.00} higher rate, but the exchange rate fell by more than {$1000.00}. In the end, I ( user ) suffer an exchange rate loss of {$2000.00} and the trade begins. So, I sent emails and disputed several times that I wished that the transaction would be fair in real time, but all are denied. And the reason is [ This decision was made because your billing dispute doesn't match our qualification for a billing dispute ] and [ Explanation of whether the price difference is related to increased tip amount, shipping charges, taxes, etc. ] it is possible to reply when XXX had no crypto service. 
Probably, all users have the same complaint, so if they dispute, then theycontinue to be denied for the same reason. Eventually they end up giving up. XXX appears to be exploiting it. 
With the image of a reliable XXX, XX is stealing from users who do not know much about cryptocurrency trades in this form of transactions that can not be seen on other exchanges. 
As far as I know, this unfair trading method is a violation of antitrust law. 
I leave this note with the hope that it will be a fair trade ....
Product: Debt collection

Wednesday XX/XX/XXXX @ XXXX Thursday XX/XX/XXXX @ XXXX Thursday XX/XX/XXXX @ XXXX Thursday XX/XX/XXXX @ XXXX Tuesday XX/XX/XXXX @ XXXX Tuesday XX/XX/XXXX @ XXXX * I have more calls coming from this Debt Collector that keeps calling and harassing me on a regular basis. I had asked him to stop and he continues to call me and harass me with attitude about a debt collection I owe. He is now contacting my family without consent and just wont stop after I had asked to stop. His name is XXXX/ XXXX . When you call back it goes straight to him. This is a scam and I would like it to stop. The harassing is getting to be too much for me especially that Im pregnant and dont need the stress.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged identity theft however I still have ITEMS left that needed to be removed. Upon reviewing my updated personal credit report again, it has come to my attention that several new erroneous information appeared on my record despite previous request for their removal and blockage. Please see here those information for removal : TRANSUNION : 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

Self inc closed my self credit card, with no heads up or ask if anything was going on. I used to secure a hold for a rental car. I tried to explain multiple times but they said they couldnt do anything and they were closing the account. {$500.00} of my money was on that credit card. Each time I made payments on my credit builder it out this money in my credit card. I was told by reps my {$500.00} would be sent via electronic payment but still have received nothing. No one can answer my questions and its been a month. The chat agent says they escalated my request and I will get an email but I cant contact them via phone or email.
Product: Credit reporting or other personal consumer reports

Background : It has been confirmed that the car loan previously associated with this vehicle was fully satisfied and paid off as of XX/XX/year>. Evidence of this full payment was formally acknowledged by your institution, and the title of the vehicle was subsequently transferred legally into the XXXX XXXX XXXX XXXX XXXX Documentation confirming both the payoff and the title transfer are held by the Trust and have been previously furnished to your office. As well as attached to this letter.

Issues : Despite these clear and lawful actions, XXXX XXXX XXXX  has continued to assert that a debt is still owed and has pursued collections activities. These actions include communication attempts to collect a debt and reporting of this alleged debt to credit bureaus, thereby damaging the My credit standing and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX MORTGAGE XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a home equity loan with Bank of America and have been treating unfairly. I have tried to resolve the issue with them, but the person I was assigned to investigate, XXXX XXXX, XXXX XXXX, XXXX XXXX, refuses to return my call ; I was informed it is the correct direct phone number. 

Bank of America XXXX XXXX XXXX would send me letters stating I did not have Flood Insurance and purchase the flood insurance from my home equity loan. I would fax proof of insurance, but they have never credit back my home equity loan. I had the representative from my XXXX XXXX XXXX on a conference call with me, the agent from Bank of America became unprofessional ( talking as if she did n't know what to do ). 

I received a letter, stating my account was " charged off '' ; I have been calling XXXX XXXX to explain what this means, but she never returned my calls, which resulted me to calling the home equity customer service and was told it means the account is paid off. Now I am being reported to the Credit Bureau for non-payment. 

I found my last notes, whom was with XXXX, BOA, stating charge off means we owe XXXX and will be able to make payments without interest until balance is paid and I paid XXXX by phone. However, I was not able to make any future payments because XXXX and XXXX stated my account showed it was paid out. 

I have been informed that my credit report shows that I have not paid Bank of America over a year. I also received a threat stating that I will never be able to transfer this loan. 

I just want my home equity loan from under Bank of America and placed with my mortgage company. I will be very, very happy and a satisfied customer, because my credit will be perfect again.
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 unprotected and vulnerable. Furthermore, their dispute resolution process is unfair and deceptive, as they do 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 or other personal consumer reports

XXXX XXXX  XX/XX/year> I do not recognize these hard inquiry and would like it removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Experian for reporting inaccurate information on the listed account below. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2022 due to the bank sending the bill to the wrong address. The bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EXPERIAN to correct the erroneous information on my report ASAP. 

XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my wife was in a car accident that totaled the car. 
We had the auto loan with XXXX XXXX  and also had GAP insurance with Ally. 

We assumed the car would be paid off in a timely manner but problem arose when the driver that hit my wife, he was underinsured therefore this caused delays in the pay-off process. 

It took 5 months to fix this problem, we had issues with XXXX and also with Ally, they made the process a nightmare instead of assisting ( we had several calls, emails and text history of our communication with them ), our car insurance company was the only one that helped by paying most of the auto loan debt to XXXX, ( even though we were not at fault at the accident ) still there was a balance that Ally ( GAP insurance ) instead of doing what they are supposed to do, they delayed the process and showed no initiative or professionalism to even try to resolve the problem... Ultimately the auto loan ( XXXX  ) was paid off in XX/XX/XXXX. However, on mine and my wife 's credit report show on XX/XX/XXXX ( as Delinquent ) and on XX/XX/XXXX ( as Derogatory ) affecting our credit. 

Would this be updated next month? or please advise us how can we proceed? 

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 XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Debt collection

Status Account charged off. {$21000.00} written off. {$9800.00} Ally financial has charged off this debit XXXX  years ago I've been asking repeatedly for my XXXX Account number XXXX
Product: Credit card or prepaid card

Last week ( week ending XX/XX/18 ) I applied with CitiBank for a " Double Cash '' card. I got told the response would come in the mail. 3 days later I received TWO letters of decline with two different case numbers on them. I then called the number on the form to inquire, as I have a good credit rating and was told I was approved, not declined. I asked them to remove one of the requests to decrease the credit pulls, they said no. 

Then I was asked if I was satisfied with the credit limit ( it was VERY low, starter card low ) and I said I was not. They said to call when the card arrived. 

I called when the card arrived and was told to call back this morning. I called back this morning and was informed that my account was closed at my request. I told them this was not the case and they told me I had to reapply. 

This card is DESTROYING my credit without my request or permission. There has to be something I can do, please help. 

My calls were all made on a recorded line, I have these recordings if it helps.
Product: Credit reporting or other personal consumer reports

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft There has been a breach of my personal information as : A credit card account, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

I 'm formally requesting for it all to be removed immediately from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should be deleted off of my credit report with ALL 3 credit bureaus. I have a credit override statement from them. That they sent the reporting agencies. However, it still reminds on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent letters to the credit bureaus regarding erroneous accounts I have in my credit report. Until now I havent got any actions from them I can still see those accounts in my credit report. It has been over 60 days so they should be deleted promptly. This situation has caused me to stress out and I need to have it resolved quickly. Thank you.
Product: Credit reporting or other personal consumer reports

Bankruptcy indicates XXXX XXXX XXXX Utah. I have no record of a bankruptcy in this state.
Product: Debt collection

I recently requested a copy of Credit report again and have found inconsistencies I have reached out to the third party collection agency CAINE WEINER COMP to inform them that I do not recognize the account on my credit report and that the account was identity theft first time I reached out sent out a letter was XX/XX/XXXX second time I reached out was XX/XX/XXXX and my last and third attempt was XX/XX/XXXX with a warning and intent to seek legal action, third party CAINE WEINER has failed to investigate and delete from my credit report I have no other option but to seek legal help. I have attached the letters sent to the bureaus as well have failed to Investigate and delete from my credit report. I have given them more than enough time to investigate and delete from my credit report.