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

In accordance with the Fair Credit Reporting Act, the following accounts : XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXXXXXX XXXX  # XXXX, XXXX  # XXXX, and XXXX XXXX # XXXX have violated my rights. 

15 USC 1681 section 602a states that I have the right to privacy.

15 USC 1681 section 604a also states a consumer reporting agency can not furnish an account without my written instruction. 

Please delete these accounts from my report.
Product: Checking or savings account

My Chase Checking account was locked due to unusual activity on XX/XX/XXXX XXXX until not I did not receive any updat and refund from Chase Bank . Once I called customer service to ask when do I receive my refund, and they always say it is still under review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally file a complaint regarding several collection accounts that have appeared on my credit report, which I suspect may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved creditors, the matter remains unresolved. 

Upon reviewing my credit report, I noticed the presence of multiple collection accounts that I have no knowledge of and have never initiated. These suspicious accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that the Consumer Financial Protection Bureau investigate this matter urgently and collaborate with the credit reporting agencies and the involved creditors to address the fraudulent collection accounts on my credit report. Furthermore, I seek your assistance in expediting the removal of these unauthorized entries that are negatively impacting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint I am filing as they closed the first without answering and disregarding everything I said. Below is the original complaint. 

XXXX XXXX is incorrectly reporting my account with them as not paid and put a full balance back on there. When it was originally reported as 100 % paid a couple weeks ago onto my credit report prior. causing my score to rise exponentially. The account was paid off and I have correspondence and letters from the company saying that I completely paid the full balance. Even received a check in the mail a few days later for a refund of the money I overpaid on the full balance. Subsequently it was stated on my credit report as 100 % paid as well as my cosigners. Almost a month go by, and they tried to say that all that was false and that I still owed the complete balance. That is fraud. As I went through all the correct and proper channels to pay. Sent them a letter REGISTERED MAIL notarized JURAT and sworn by me, asking why they say I still owe and explaining if that's the case how did I get a check in the mail or why it was listed as 100 % paid off. They never responded and kept harassing me with phone calls, letters, texts and emails. I just wanted them to prove what they claimed, and they did not and refused to respond. I will attach the certified mail I sent to the company in the attachments along with other documentation. 

Their response was that the was not processed and rejected and it takes 3-5 days to reflect. It reflected after 4 and that's when all the information saying I paid the loan completely off because payment went through. They refuse explain why my account was closed if it was allegedly rejected in the system and the subsequently reopened months later. This is fraud. I sent notice of error and affidavit via certified mail. Which they ignored. And never even after the written instructions to. Just blatantly disregarded my certified mail which they received which had to be signed for. They have not proven once that the money was returned. Because it was not returned to me. This is my word versus their word at this point and they are trying to silence me and get away with fraud.
Product: Credit card

I, XXXX XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. CAPITAL ONE BANK USA XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 my information was personal information was compromised due to the XXXX   Breach on XX/XX/2017. Since then many inquiries has been placed on my credit report that do not belong to me. In the attachment Ive sent you are all the inquiries that are on my credit report. I have circled the inquiries that do not belong to me. Ive tried reaching out to to these companies but I have gotten no response regarding this matter. Please remove these item from my report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and/or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card

On XX/XX/2023 I ordered items from XXXX XXXX 's online website in the amount of {$680.00}. The purchase was split into two charges...... one for {$580.00} and XXXX for {$100.00}. The company says the items were delivered on XX/XX/XXXX and the carrier was XXXX. I never received the order and contacted XXXX at the company who told me to file a claim with XXXX. I filed the claim that day and the claim number was XXXX. That got me nowhere so I persistently continued to contact XXXX XXXX until XXXX agreed to send out another shipment with SIGNATURE REQUIRED since I didn't want this to happen again. I was home the day that shipment was supposed to arrive ( XX/XX/2023 ), and again ... .no package. I did NOT sign for anything and I have cameras and nothing was delivered that day. 
I called XXXX XXXX again on XX/XX/XXXX and asked for a supervisor to call me. No one ever called me back. At that point I had no other recourse than to file a claim with Discover. Then on XX/XX/2023 XXXX from XXXX XXXX called me and left a very nasty voice mail. He accused me of trying to scam the company and said he fill fight the charge back and win. I've never heard a company speak to a customer that way and basically call them a liar. 
Discover resolved the dispute in my favor for the amount of {$100.00} on XX/XX/2023. However, they denied my claim for the one in the amount of {$580.00}. That makes no sense as all of the items were supposed to delivered the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was about to begin a job on Monday XX/XX/XXXX, when they decided to end the opportunity before it began. According to this email : Hi XXXX, I hope you are well. I'm not in the office today. Apparently, Universal is now required to run credit checks on all employees. They stated they ran yours and it did not meet the requirements. I apologize. This was not a requirement we were made aware of. 

I'll be in touch with you tomorrow. 


XXXX XXXX | XXXX
Product: Debt collection

I had new windows installed by XXXX XXXX in XX/XX/XXXX of XXXX. They did not complete the job as they had made an error and were coming back to fix it. The finance company, XXXX XXXX insisted to pay them even though the job was not complete. The representative from XXXX XXXX said she had to put it through and pay the company even though the job was not complete which i disagreed. She also told me the payment would be due XX/XX/XXXX ( paperwork states XX/XX/XXXX ). I paid off the loan of {$8500.00} on XX/XX/XXXX with assurances from XXXX XXXX that the job would be completed. XXXX XXXX is now trying to charge me additional interest on interest of about {$50.00} saying the interest started when they paid XXXX XXXX on XX/XX/XXXX. I disagree since the job was not complete and that is why I am filing this complaint against them. 
When I signed the work order I noted that the work was not complete, yet the rep from XXXX XXXX demanded that they pay XXXX XXXX. 
This is a finance company scam to milk dollars from unsuspecting clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  is reporting an account that was paid in full as a charge off. I turned all of my debtors over to  XXXX  and paid all of the linked accounts off in full, early. They supplied me with the proof and  XXXX   XXXX  said they turned the account over to  XXXX   XXXX , they say the account was paid in full before any collection activity started. I have a record of all of the above. This is hurting my credit score on   XXXX   XXXX   XXXX   XXXX   credit reporting agencies.  XXXX   XXXX  is the only account that lists this kind of recording, even though I had several other cards also in the program, and no one else reported their accounts in the same manner. Payments were sent each month to  XXXX   XXXX , the proof is attached. They will not change or speak to me about it.  XXXX  said they are reporting it wrong and something should be done to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is more than 7 years old but has not been deleted from credit report. Account is also closed but continues to have over XXXX charge - offs which is against FTC regulations to report. 

1. XXXX XXXX XXXX {$7600.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX 2. BARCLAYS BANK DELAWARE {$0.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX {$1000.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I am writing to have the following information in my file removed. These items listed below need to be removed immediately. I am a victim of identity theft and did not make any of these unrecognizable charges. I ask that the items be deleted from my credit report as soon as possible. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I urgently request the items to be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent three letters to Transunion, XXXX and XXXX with the third letter being sent on XX/XX/2019 without receiving a response from either bureau and it has now been well over 30 days it has been fifty days to be exact I requested that all three bureaus correct the inaccurate information on my credit report which they still have not done as of todays date. I also requested original contracts and signatures which I never received,
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 ( 1 ) 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 loss, and I seek appropriate redress for these violations.
Product: Student loan

In XX/XX/XXXX or XX/XX/XXXX, I spoke with a representative from Navient. In XX/XX/XXXX, I spoke with  XXXX, from Navient. We stayed on the phone for over 20 minutes. Three days later, XXXX calls back and explains there was a problem with the e-sign. I told her I was at work and had to handle the call expeditiously. She assured me it would take about two to three minutes. Once we were on the phone for over 10 minutes, I had to hang up. I have repeatedly asked Navient NOT to call me at work. Now, they are calling everyone with the same last name, even though they were not authorized to call. Navient is harassing other people with the overwhelming phone calls. They still call me at work even though I have asked time and time again not to call me. Representatives from Navient are informing people that this is a business matter, which essentially says, they are a bill collector.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : MEDICAL DATA SYSTEMS Please be advised that I have received your correspondence dated XX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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 Equifax 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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX 

Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by 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 : I encountered a billing error and never received the correct billing statement, which caused confusion about the payment due date. Additionally, the late payments notices arrived after I had already made the payment.

There was also a clerical error where my payment was applied to the wrong account, causing a delay in processing.

I provided bank statements, payment confirmations, and proof of the communication with the creditor where these errors were acknowledged. Despite providing this evidence, the late payment was incorrectly recorded on my credit report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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: Credit reporting or other personal consumer reports

I have provided a FTC affidavit and put this company on notice and this company admitted in the resolution they sent that they some inconsistencies on their reporting on the consumer report then in the next line state they found no error this is a violation and admission of damage and fault to my estate. I demand this account be removed immediately. I am a victim of identity theft and this company has open admitted to giving false and inaccurate information to all three credit bureau. This is security fraud Wellsfargo is doing. I have already been contacted with local lawyer about each consumer violations and im thinking about hiring them if this is not fixed immediately. I have put wellsfargo on notice. This company stated multiple lies and inconsistencies but the fcra says a report must be 100 % accurate but this company has failed in doing so. Plus a certificate of indebtedness as this company has admitted should never be reported to the credit bureau because it would be income but the real facts in the matter is this company is admitting to violating my consumer rights and participating in identity and security fraud. I as for the account to be remove/blocked/deleted not for this company to update their already wrong and inconsistent reporting which is a violation of my consumer protected rights. I have included this companies response to the first complaint In this complaint this will make XXXX times I have put this company on notice for the record
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with XXXX and investigation took well over 30 days,
Product: Debt collection

In XX/XX/XXXX  I paid XXXX XXXX for insurance to protect my belongings while renting. I asked them if they covered my belongings at a XXXX XXXX unit while I am renting. They stated that they do cover items in a storage unit while renting. One day I came to pick up my belongings from the storage unit. I found that my medical records were stolen, and all my items were damaged. I requested a refund because they did not give me a claim. XXXX XXXX issued a refund. Then they turned around and denied that I had ever paid them. However, it is not possible to get a refund without them getting paid for service first. They then denied that I had any record with their insurance at all, but if that was true they would not have kept giving anyone service without payment. I then paid them off for my sanity because I am XXXX XXXX XXXX problems due to this. I need this to come off my credit because I never owed them anything. I paid them on time every month and they issued a refund.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint and an investigation is taking place but transunion has not reflected the updated profile or change to my report. The dated account is under investigation and I need transunion to reflect that. 



Here the original complaint : On XX/XX/XXXX, I discovered a credit card that was not opened by me on my credit reports. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted XXXX and asked for them to remove the account as I could see on my report that it was opened with a Florida address I've never used. At this time I was completing online classes at XXXX University which is located in Florida. I speculate that this is somehow connected to my information being stolen and used to establish this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 XXXXXXXX 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.