23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} - Chargeoff XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00} - Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} -late/closed XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$640.00} - Collection XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} - Collection XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I was Approved for a small XXXX cash advance that I needed to be able to has vehicle Pnc denied the company to sync bank account Im doing right by avoiding overdraft negligence I make a great biweekly salary that has taken its toll yes I am working but doing way more we are having to deliver services which the company is not compensated gas
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 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: Credit reporting or other personal consumer reports

Delete this account for Violation and inaccuracy because the date open of Account Name XXXX  XXXX XXXX Account Number XXXX XXXX  reported is incorrectly on Experian, XXXX and XXXX ; again the DATE OPEN is incaccurate a. In addition, number of late payments and status of account on Experian do NOT match with XXXX, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect on Experian, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my dispute letters in XXXX and the beginning of XXXX. Both were sent certified mail. I've attached the screenshot showing the exact dates. And, I have a late payment for XXXX XXXX reporting and I was never late. I've contacted XXXX XXXX and XXXX XXXX 's CEO to try to resolve this and it's been more than 30 days.

I need this account updated ASAP to reflect that my payment isn't late or for the account to be removed totally.

I also included a XXXX XXXX  account that is not mine, I've granted no permissions for this account to be on my report. This is a violation of my privacy and I want this account to be removed asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I XXXX XXXX sent a certified letter to XXXX in regards to them reporting inaccurate information on my consumer report. On XX/XX/2022 they responded saying they did an investigation and VERIFIED that all information was reporting accurately. I supplied them with evidence which showed that they were reporting inacuurate information. Instead of doing the proper investion pursuant too 15 USC 1681s this agency choose to still report inaccurate information which is causing me great harm. I am again asking for help in this matter seeing that XXXX fails to respect my rights as a consumer and is continuing to violate those rights by reporting harmful inaccurate information.
Product: Credit reporting or other personal consumer reports

Dear CFPB In addition to my previous communication per FCRA 605 ( b ) I would also like any hard inquiry deleted from my credit reports as well. All accounts are a part of my Identity Theft I am requesting to have each bureau delete with 4 days.

I am contacting you regarding my the credit reporting bureaus regarding my credit reports. I unfortunately, learned about several accounts that is on my credit file that I have no idea of. I have NEVER opened any of the mentioned accounts and I was a victim of ID theft and asking that they BLOCK/DELETE and remove the accounts to discontinue tarnishing my credit. I have included my FTC Report listing the accounts and account numbers. I HAVE REQUESTED EACH DATA FURNISHER TO PROVIDE MY ORIGINAL APPLICATION AND I RECEIVED NO RESPONSE. 

XXXX CREDIT TIME BARRED AND HAVE BEEN OVER 7 YEARS PLEASE DELETE XXXX {$330.00} 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
Product: Credit reporting

Identity was stolen and inaccurate information is being reported by credit bureau 's.
Product: Credit reporting

There is a bankruptcy entry placed on my credit reports ( XXXX, Experian, XXXX ) and I have been trying for 5 months to have them removed. I have spoken with numerous representatives, supervisors, and managers. I have requested in writing as to how this erroneous public record has been placed on my reports and I have neither received verification/validation nor resolution. This is my 4th challenge of reportability of this bankruptcy in which I am currently awaiting results. I have spoken with representatives from all XXXX credit bureaus and inquired as to how XXXX, Experian, and XXXX verifies/validates their public records. I want to know this information because the public record keeps coming back as being verified under my name. I have had several different representatives inform me that the request/reportability is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I contacted the bankruptcy court in Nevada via U.S. mail and received a hard copy response advising that the court does not disclose, release or verify any information with the credit bureaus or any 3rd parties. 
I decided to submit an additional challenge of reportability of this bankruptcy and received return information stating that bankruptcies are verified by runners who go to the courthouse. I asked what information is verified by the runner who goes to the courthouse. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureaus. My questions were not answered at that time and have not been answered to date via verbal or written response. I requested to speak with a supervisor/manager. The supervisor advised since this is a " re-investigation '', no runner is involved. He advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the bankruptcy court confirmed via written response that it does not verify any information with the credit bureaus. XXXX, Experian, and XXXX refuses to give me physical documentation ( tangible or electronic ) that they use to verify this alleged bankruptcy as mine. How were these bankruptcies accurately validated when NV Bankruptcy Court confirms that social security numbers are redacted to only the last 4 digits on consumers? Please assist me as a consumer in this matter as I want these alleged bankruptcies removed from all XXXX of my credit reports. My transactions with all XXXX credit bureaus have resulted in my issue not being resolved to date. There is a blatant failure to provide me with the information requested. Experian continues to state that they will not re-investigate my request. At this point, the representatives from all XXXX credit bureaus and their actions carried out pertaining to my consumer file are a violation of my rights and several acts of noncompliance under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Transunion Credit bureau must remove an old account that is ready to fall off my report I have tried several times to get this account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair credit reporting act XXXX  account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX XXXX has violated my rights..15 U.S.C . 1681 section 602A. states i have the right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions .Another issue no monthly payment should be listed on the account since it has been charged off, which is a violation please remove from my credit report.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Line of Credit Responsibility : Individual Date Opened : XX/XX/XXXX Status : OPEN Status Updated : XX/XX/XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$8500.00} Highest Balance : {$5500.00} Late Payment Date : 1 ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX, XXXX XXXX have disputed w/all XXXX credit bueraus since XXXX. Experian case number XXXX XXXX/XXXX/XXXX Experian again XXXX/XXXX/XXXX case XXXX and again XXXX XXXX. XXXX XXXX/XXXX/XXXX and again XXXX/XXXX/XXXX case XXXX, and XXXX XXXX, XXXX, then XXXX as well in XXXX XXXX XXXX case XXXX and in XXXX XXXX and XXXX XXXX, XXXX over and over again for auto loan they state is a charge off or sold acct?? to who they only re reprted the same thing over again and never notified me they said charge off.. auto do n't charge off unless you repo a car and sell it at aution and going after the difference, this is not the case at all. I paid my car in full on XXXX/XXXX/XXXX {$880.00} and I have my titole to my car and XXXX paid in full letter w/ title.. I still have the same car today. I have done my due diligence on this and I am tired of the stress and same response that the creditor is reporting correctly. they are not and no one if moved me to another " company '' which is still their company just so they can put in on the credit report AGAIN as a XXXX XXXX XXXX XXXX my letter I have w/ title states XXXX XXXX auto finance not XXXX.by law after so many times over and over requesting a correction this item should be removed and I wish XXXX the XXXX XXXX auto loans to toff all XXXX reports to remove. I also see where all the sudden the XXXX was put on in XXXX?? my car was paid in full XXXX/XXXX/XXXX and the title letter from company is dated XXXX/XXXX/XXXX. yo can not reprt after someone is questioning their credit report much less you did it 2 years later. and again they say they charged off XXXX, yet paid them XXXX this company does what it wants and really tiredof the stress to get this off my report because of NOT being reported correctly and after multiple times trying w/ these agencies. 
like I said in XXXX wells fargo put the OTHER line of negative credit on my file and its just not correct or fair in this case, should have did it 2 years ago. 

I also thought that items supposed to be on report for 7 years, but everything seems to be 10years on my report.. all XXXX reports have so much on them tht its all 10years and this is ridiculous as well. 
XXXX auto XXXX acct number 10 years since date opened XXXX XXXX XXXX over 10years since date of last payment XXXX XXXX XXXX over 8 years since opened XXXX XXXX 10 years since date opened XXXX XXXX been over 10XXXX years since date opened XXXX XXXX over 9 years plus since date opened XXXX bank over 9 years plus I am asking the cfpb to please also remove these items, I am trying to rebuildemy credit yes they are hurting my credit but past the 7 years to stay on my credit. 

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

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX EVENING XXXX XXXX
Product: Checking or savings account

My bank at Capital One 360 must have been hacked. I have charges from " XXXX XXXXXXXX XXXX '' I did not sign up or give permission to take from my account. My bank disputes the charges and then the next day The same site is charging my Banking account. So then after 3 days of fighting this I asked for my account to just be closed. They said they can't until the pending charges go through. I know it's not their fault but this site is going to keep charging my account and there is going to keep being a pending charge. It's also effecting other accounts that has used my debit card.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic fund transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial losses, and I seek appropriate redress for these violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows an invalid address, called Experian to remove and update with correct address, they state because a credit company has it verified they can not remove the address, however the address is no such address. This is how it is listed on my credit profile in my personal information section. They refuse to fix this address and tell me to contact the credit company to have them fix it. 

XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX
Product: Credit card

Being the beginning of the year, I decided to update my passwords and security questions on all my cc accounts. I started with my XXXX card serviced through Barclays. I was surprised that the website did n't ask for my password, instead it asked me questions that I had never submitted as security questions. Not feeling very comfortable I called the phone number and spent several minutes trying to confirm the correct website address - the rep advised that I had to provide my TIN and DOB to be able to provide me with the website address. I refused and finally got the address from her, but when I tried it, again, I had no luck. I tried to answer the questions, however, it did n't work. It asked several questions about people and places I was unfamiliar with - so I answered those and it tells me this failed and the site was blocked. So, I tried sending an e-mail, but that info is not provided unless you can access your account. I tried calling customer service again to ask for an e-mail address ; and again refused to provide personal info as I do n't believe this should be required for non-confidential info. After 10 minutes and getting transferred to a supervisor/manager, I 'm told they do not have e-mail addresses. I 'm also told that I must provide personal & confidential info so they can decide if they will assist me to close the account. I asked for another method besides phone to close the account, as I also could n't access the website. She advised I could only close by phone. I was told I could n't close it from the website, this institution does n't have physical sites, and I ca n't go through XXXX, as Barclays is the servicer of the credit card accounts. 
What can be done to cancel an account if the consumer does n't feel confident with the person on the phone or the security of the corporation? This company has a horrible website security profile and the phone is n't any better.
Product: Debt collection

Attached are the following : TSI Debt collection notices, showing the original debt owed and the new debt TSI is attempting to collect. My XXXX mobile bill showing proof I called attempting to negotiate the original debt owed ; and proof of a Credit Card payment made towards the debt. 

The debt they are attempting to collect is in excessive fees of {$25000.00} that I did not agree to.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Company and its personnel conveyed unlawful charges and debt obligations to XXXX family that cause harm, stress, and frustration to the general safety and safekeeping of the people apart of the XXXX family
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of the millions of people affected by the hack of Equifax, and after confirming that via their website, the only compensation offered was a single year of credit protection. This protection came with the caveat that I must submit to binding arbitration. I do n't believe their offer would genuinely help protect me from the potential harm of a data breach of this magnitude, and the fact that it was even possible is alarming.