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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate without previding any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts I mark in accurate XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be remove from my credit. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have credit card applications from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  and not sure how many more on my credit report that are not mine
Product: Mortgage

Branch Bank and Trust is reporting 11 late  payments fr om  XXXX -  XXXX   ... We  were in the process of a loan modification and it is now complete. THe loan was modified under the HAMP program through the government which ALL late payments affiliated with the loan mod are to be deleted. They have yet to delete them and they need to remove them.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX : {$0.00} CALIFORNIA XXXX XXXX ( Original Creditor XXXX WASHINGTON XXXX XXXX XXXX ) XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$97.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX COMPANY ) XXXX Balance : {$83.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Amount : {$8100.00}, The Creditor : XXXX XXXX XXXX  ( XXXX XXXX XXXX ) has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Amount : {$280.00}, The Creditor : XXXX XXXX XXXX XXXX ( Medical Payment ) has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Amount : {$240.00}, The Creditor : XXXX XXXX XXXX ( Medical Payment ) 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.
Product: Money transfer, virtual currency, or money service

XXXX XXXX failed transaction reversal i had XXXX XXXX XXXX XXXX XXXX on cash app therefore the company negligence caused me to be in the negative cashtag XXXX XXXXXXXX They never gave me money back if I could touch them we would hug now on my different cashapp cashtag XXXX XXXX  They stealing money again two XXXX $ unauthorized transaction sent to someone I don't recognize I let them know they didn't care These fraudulent corporations working together nothing is Being done about any reports I filled out these people treated my ancestors evil they deserve the same XXXX karma one of the universal laws hopefully they get what they deserve Stressing me out behind my own XXXX im hate people even more running this fake XXXX scheme have people who hates my people in authority position I denounce this horrible land unless my rights be enforced and Protected like these fake XXXX laws scammers XXXXXXXX XXXX working together 18 usc 241 Also You must respect my rights I know I have the federally protected right to privacy you are or did violate my federally protected right as an consumer People also ask What is conspiracy to cheat and defraud? 
Conspiracy to defraud is a common law offence which was expressly preserved by section 5 ( 2 ) of the Criminal Law Act 1977 ( CLA 1977 ), and is triable only on 18 U.S.C. 504 ( 1 ), 31 CFR 411.1.indictment. The offence requires that two or more individuals dishonestly conspire to commit a fraud against a victim.XXXX XXXX XXXX
Product: Debt collection

I do not owe this debt, it was paid months ago and it is still listed on my credit file that I owe even me disputing it stating I do not owe and nothing. Please help
Product: Debt collection

On Wednesday, XX/XX/. I received a call from a man. His name may have been XXXX around XXXX XXXX. He introduced himself from CSC and said he was calling about an account I had with them. I politely said I do not have an account with you, and he said yes you do, I said Sir I am sorry I do not, he then said on a recorded line, Yes you do lady check your credit report! then he hung up. I immediately called back and he yelled at me saying if you don't have an account why are you calling back when I attempted to yell at him back he hung up on me. I then called back several times and he kept sending me to voicemail and putting me on hold. 

I happened to check my credit report and noticed that the above name

company checked my account stating I applied for credit with them as a Hard inquiry. This company violated my rights by fra
udulently checking my credit stating I applied for credit at a Collection agency. They also harassed me and used aggressive tone in communication. they failed to send me documentation to provide the opportunity to respond the debt.
Product: Credit reporting or other personal consumer reports

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : [ Include list of disputed items ] Listed below are the Personal Information that are being challenged Incorrect DOB : - 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 XXXX XXXXXX/XX/XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Debt collection

I received notice from company that amount on cancelled credit card had an amount due, many months after card cancelled. Response from credit card company is that they are refusing to describe issue ( s ) in writing dated XXXX XXXX, 2019.
Product: Debt collection

I am requesting that the collection agency Americollect INC demonstrate that I do indeed owe the debt and that the agency provide detailed information and documents to prove the amount owed. 

Federal law says that a written notice of a debt, must be received by consumers. I have not received any notice or correspondence from this company regarding this debt. On XX/XX/2020 I received a notification from MyFICO that a collection was added to my report. Also after reviewing my credit report I noticed that Americollect INC did a soft pull of my credit in XX/XX/2020. 

I request verification of the amount of debt owed ; the name of the creditor for the debt ; and to have the erroneous charge removed from the my credit report. I am unfamiliar with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 Hard inquiries were made on my Equifax credit account that are fraudulent. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

CFPB addressed this bank for me once already and the issue was resolved. BUT the bank did the exact same fraudulent unauthorized transaction and fraudulent overdrafts immediately after CFPB resolved issue. When I attempted to report this XXXX action of fraud, I was refused and my complaint was titled duplicate complaint. And that is not true. And now the overdraft fraudulent charges are exceeding {$140.00} and XXXXXXXX XXXX  had sent it to XXXX different collection agencies. I reported the first agency to CFPB and the affect immediately withdrew as collector for XXXXXXXX XXXX. I haven't filed complaint against Monarch XXXX XXXX because I want this taken care of in full. Starting with XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on with XXXX, XXXX, and TransUnion for years. At first I disputed the mark on my credit because it had been on there for over the years. The age view notified the creditor and the creditor simply changed the date on the credit. On multiple occasions I have asked TransUnion, XXXX and XXXX, to please conduct a proper investigation and have the creditor provide proof of said loan with documents showing the terms of the loan and must include my signature. They have not been unable to provide this documentation as it does not exist, but they have yet to remove it from my credit. I have disputed this account multiple times all with different reasons why this is not my loan and the Credit reporting companies do not find any proper documentation proving anything but still don't remove this. I spoke with an agent at TransUnion once over there phone, and they said that since the creditor is a member to TransUnion they do not investigate and take their word for it. I thought the FCRA was made to prevent situations like this. If damaging someone's credit report, simply because you have the capital to be a member, is permissible by the FTC CFPB and therefore our government, then things are a lot worse than imagined. FTC and CFPB are put in place to protect consumers like me from the frauds which these large corporations continually commit. Credit companies should not be allowed to have members as this is a conflict of interest and the proof is right before you
Product: Checking or savings account

I was scammed by a BECU Fraud employee, XXXX XXXX, after being transferred to him by another employee, XXXX. Also the call was recorded which I don't want. He said he worked for BECU & the FTC. It cost me {$6000.00}. BECU employees stood in front of me laughed at me and made me feel worse. They all should be DISCIPLINED. I made several trips to the only branch in the ne side of XXXX, Wa. I live on the westside. I'm taking my business elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a paid child support with {$0.00} Balance account XXXX XXXX XXXX XXXX XXXX, showing on my credit report from XXXX. I don't have any children born in XXXX and I never paid any child support. My oldest child was born in XXXX. This is an error and must be removed from my credit report immediately. 

I have filed a complaint with the FTC and XXXX. This item must be removed immediately. It has caused problems in my personal life and also with my employer. I will file a suit in small claims court if this is not removed immediately.
Product: Student loan

XX/XX/2018 restructured life of loan to extend. Cancelled auto pay of $ XXXX month to new payment of $ 175 month. Confirmed this was completed. New payment on XX/XX/18 would be implemented. 
XX/XX/2018 inform Navient not to make an error with charge XX/XX/18 get charged with {$470.00}. Call Navient to let them know of mistake. State 3 days for refund. 
XX/XX/18 no refund. Call Navient. They claim this will happen 10 business days afterwards Being overcharged and unapproved amounts taken from.
Product: Debt collection

This item is beyond the statute of limitations and needs to be removed immediately.
Product: Debt collection

A debt company called XXXX XXXX reported a claim to my credit report, and kept calling me repeatedly with alleged debt, I sent a letter asking for validation of the debt, which should under my rights of FDCPA include 1. The  agreement bearing my signature stating that I have agreed to assume the debt 2. Proof of statute of limitations that has not expired 3. Agreement with the creditor that authoritezed them to collect on this alleged debt and a few more, in repose to my letter to proof validation of debt this company only sent a screen shot of there computer screen which does n't included anything I asked and not does it validate the debt, they also sent me a list of states they are able to collect and my state was not one of them, I called the number provided XXXX to ask why they did n't send the proper documentation, they kept transferring me from agent to agent after about 5 transfers and no answers to my question I asked for a manager and I was denied, and I kept getting talked to in inappropriately and hangued up on. This Company needs to find ways to better assist consumers.
Product: Checking or savings account

My claim was denied, the merchant refused to refund my money. I used a gas pump that was broken, it charged me for gas I did not receive. I want my {$99.00} credited back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1.High balance and 2. Last activity which are inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Equifax High balance {$0.00} $ XXXX Last activity XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my XXXX  send me money with Cash app.according to their written statement money should be available 1-3 business days. 
App said it would be available Friday XX/XX/XXXX. On that day inf.said it would be available XX/XX/XXXX. Yesterday it stated it would be available Tuesday XX/XX/XXXX. 
I contacted them and their reply was generic. They are trying to charge XXXX $ For instant cash. 
This is not acceptable XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account : XXXX XXXX  XXXX ; they are reporting information which isnt accurate and it should be removed immediately from my credit report according to law. 

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 card

I am filing a formal complaint regarding Citi Banks failure to provide requested account statements for my closed credit card account ending in XXXX. I have made numerous attempts to obtain statements for the period from XX/XX/XXXX to XX/XX/XXXX. 

Despite calling Citi Bank more than 10 times and being transferred repeatedly, my request has not been fulfilled. I was directed to XXXX XXXX XXXX, the buyer of the account, but they informed me that they only have records from the time they acquired the debt and do not possess any prior statements. 

Under Regulation Z of the Truth in Lending Act ( TILA ), credit card issuers are required to maintain account records for consumer compliance and disclosure. As a consumer, I am entitled to access these statements, and Citi Bank has a legal obligation to provide them. 

This experience has been both frustrating and time-consuming. I am urging the Consumer Financial Protection Bureau to review this matter and ensure that Citi Bank complies with the regulations by providing the requested account statements.