23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX 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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to XXXX disputing a late payment reported by 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 : The reported late payment was due to an error in the automatic payment system I had set up with XXXX. Although the payment was scheduled and funds were available in my account, a technical issue caused the payment to be processed late. This delay was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statements showing the payment was scheduled on time. 
Correspondence from XXXX confirming the technical issue that led to the delay in processing. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, XXXX 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, credit repair services, or other personal consumer reports

I am very concerned to find that your bank capital one has pulled all three of my credit reports XXXX XXXX XXXX XXXX and I have absolutely no idea why you did that I havent done any business with your bank I did not give you permission to pull hard reports I didnt get information to pull any report so why on XX/XX/XXXX it looks like did you pull all three of my credit reports for no apparent reason?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - BALANCE {$360.00} XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - BALANCE {$360.00} ( THIS IS A DUPLICATE ACCOUNT )
Product: Credit card

on XXXX/XXXX/16 I have a XXXX so why did they chg a ate fee of XXXX on XXXX/XXXX/16, and still have a pending XXXX
Product: Credit reporting

INQUIRIES WERE REMOVED AND LATER RE-INSERTED WITHOUT NOTICE OR EXPLANATION. 

XXXX XXXX -- -XX/XX/XXXX. 
XXXX XXXX -- -XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. 
XXXX XXXX -- -XX/XX/XXXX, XXXX XXXX, XXXX. 
XXXX -- -XX/XX/XXXX. 
XXXX -- -XX/XX/XXXX, XXXX XXXX, XXXX. 
XXXX -- -XX/XX/XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged feeds due to lagged posting of charges and credits. This issue aligns with the recent finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

Monthly Statement showed the requested cash out ( transfer ) of reward/award points from survey sites of {$480.00} was erroneously recorded as a " Cash Advance '' ( transfer ). First contact with Paypal was made XX/XX/XXXX with Service Rep XXXX ; Second XX/XX/XXXX : Third and Fourth on XX/XX/XXXX and XX/XX/XXXX. Finally, I am sending the un-cashed check voided to Paypal with notes regarding their failed customer service process. I will further comment to each of the Survey sites these funds were earned from, letting them know why I will be discontinuing my participation in their product, survey and product panels going forward! 
I refuse to pay for receiving monies I have earned..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, XXXX, and Equifax a debt validation request several times about two accounts. Those accounts are XXXX XXXX and XXXX XXXX XXXX. I have informed this credit reporting agency that I do not have any knowledge of those accounts and I have asked for them to send me written agreements from these companies because this is not my debt. I recently tried to dispute these accounts again and XXXX, XXXX, and Equifax responded that they are not going to re-investigate my dispute. As a consumer, I do not think that is fair for credit reporting agencies to report inaccurate information. Items contained in a person 's credit report has an affect on housing, employment, and any other personal needs. I have been disputing these accounts every 30 days starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and more recently in XXXX. I sent these request for investigations on these accounts using certified mail and to date, I have not gotten anything to show that this debt belongs to me for these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi This is XXXX XXXX, I have sent you a dispute letter XX/XX/2021, but to this day, over 2 months have passed but I still have not heard anything from you. I am attaching the same letter for you to see and you may wan na check your records. I need this messed to be removed from my report so please do investigate them and delete if you can not provide me proof the support those claims. I will check with you after 30 days, Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts that are appearing on my credit report that are not mine I have been mailing disputes to the bureaus and the furnishers saying these are not mine because I have not signed or used or accepted any of these charges or cards. 
The accounts are : XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$3700.00} XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$11000.00} XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$7300.00} XXXX XXXX- Acct # XXXX Amt {$6600.00} XXXX XXXX- Acct # XXXXAmt {$9.00}
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit profile and there were accounts on it that didn't belong to me. I asked that they reinvestigate these XXXX items on my credit and email me at XXXX an updated copy of my credit profile. There's a XXXX  XXXX ACCOUNT NUMBER XXXX date opened XX/XX/2018 & a XXXX XXXX XXXX XXXX date filed XX/XX/2018 which aren't mine.
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 in 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 have causes significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/19, they called me 12 times. The phone would ring, and right before voicemail, it would re ring with same number, and did it twice more, making my phone ring constantly for 4 times while bypassing voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bankruptcy XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent account - XXXX XXXX XXXX  - opened on XXXX due to identity theft. This is the second time i have had to file this complaint as no response was recieved from the first complaint months ago. The other bureaus have already removed the account from my credit report yet you have not. The following inquiries are also fraudulent inquiries that I did not approve or initiate. 

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

PNC Bank is reporting an auto loan on my credit report that does not belong to me. I already submitted all oft the identity theft paperwork required in order to fix this issue and they have placed the account back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

So this what happened, I was told that if I was to pay the balance in the account it will be deleted from my credit report but it didn't happen. I attached files to prove my identity and what has transpired.
Product: Checking or savings account

Wells Fargo sent me a check for a closed service that they dont have anymore. And I wanted to use that to open account but they denied me cause I had too many inquiries and didnt have an old enough account nore an mortgage thats why they denied me when the bank manager informed me that the credit score didnt have no bearings all I needed was the {$25.00} to open it that shows false information and or the bank is demonstrating unlawful behavior according to the FRCA GUIDELINES with much prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a repossession on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I voluntarily turned this car in at the dealership where it was then sold at auction. I was sent to collections for a larger amount then what was originally owed. It is illegal to take me to collections for an amount owed above what the original debt was. This incorrect reporting is harming my credit score and this item needs to be removed from my credit report.
Product: Credit reporting

I never seen these credit cards. XXXX. I never checked my credit because I Have n't tried to use any credit cards, I never wanted any. Everything I have is from cash. Now that I may need to use my credit I find Things I never seen before, this may be Identity theft. I do n't know how to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started looking at my credit and notice multiple account showing on my credit report that I have never opened nor provided my authorization for these accounts to be opened
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize how this collections account # XXXX is reporting on my credit report. I do not recognize the account number, account status, account high balance, or any late payments associated with it. Everything reported here does not meet FCRA. 

Additionally, this account is listed as a collections account stemming from a charge-off from XXXX originally XXXX I never received a 1099-C for this account. 

Furthermore, this account has been removed from XXXX and XXXX but is still being reported by TransUnion. This is unfair, deceptive, and inaccurate information being furnished on my credit report. This collections account has never verified any of this information and needs to removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts listed on my credit report that do NOT belong to me and I have no knowledge of. This is a result of malpractice or an error and is negatively impacting my credit worthiness.
Product: Debt collection

Company is making accusations of intentional misrepresentation against me XXXX of plaintiff ] claims that [ name of defendant ] made a falserepresentation that harmed [ him/her/nonbinary pronoun/it ]. To establishthis claim, [ name of plaintiff ] must prove all of the XXXX. That [ name of defendant ] represented to [ name of plaintiff ] that afact was true ; XXXX. That [ name of defendant ] XXXX representation was false ; XXXX. That [ name of defendant ] knew that the representation was falsewhen [ he/she/nonbinary pronoun ] made it, or that [ he/she/nonbinary pronoun ] made the representation recklessly andwithout regard for its truth ; XXXX. That [ name of defendant ] intended that [ name of plaintiff ] rely onthe representation ; XXXX. That [ name of plaintiff ] reasonably relied on [ name of defendant ] srepresentation ; XXXX. That [ name of plaintiff ] was harmed ; XXXX. That [ name of plaintiff ] XXXX reliance on [ name of defendant ] srepresentation was a substantial factor in causing [ his/her/nonbinary pronoun/its ] harm As the defendant I had no intent that the plaintiff rely on the data provided to approve a loan in general. I attempted to communicate things about my family and that we had discussed renovations to housing. 

The defendant is involved in intentional misrepresentation as they are failing to implement XXXX reasonable accommodations and do not have a process for loan approval for XXXX people despite their company being advertised as a healthcare group.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and my rights are being violated per title 15 1681 " The Fair Credit Reporting Act '' by several credit reporting agencies ( XXXX, Equifax and XXXX ). I have been trying to resolve my hardship that the credit reporting agency have caused me for over a year now. I am a victim of fraud and have filed complaints with the Federal Trade Comission as well for Identity Theft. I have fraudulent accounts appearing on my credit file which is harming my general reputation. I am going to list several violations per the FCRA that the credit reporting agencies have violated. Notice, it is a fact, I, XXXX XXXX is a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). XXXX, Equifax and XXXX has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. it is a fact, Equifax, XXXX and XXXX is aware, a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. XXXX was not given the chance to opt-out of having this reported information about. Notice, it is a fact, Equifax, XXXX and XXXX is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in XXXX as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report shown. Notice, it is a fact, XXXX, Equifax and XXXX is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Equifax, XXXX and XXXX has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ). Notice, it is a fact, Equifax, XXXX and XXXX is aware, each requirement of the FCRA which the credit reporting agency fails to comply with, holds the company liable for {$1000.00} per action and pursuant to 15 U.S.Code 1681i when an investigative report is prepared, no adverse information in a consumer report may be included in a subsequent consumer report unless the reported was verified. Each month this false information was incorrectly verified making credit reporting agency liable for each consecutive reporting.
Product: Student loan

I was mandated to make monthly payments to Genesis Lending on my private student loans while attending classes at XXXX XXXX, XXXX, NV. From XX/XX/XXXX thru XX/XX/XXXX my monthly payments ranged from $ XXXX {$150.00}, for a total amount exceeding {$1300.00}. I was aware that such practices were prohibited while attending classes, however, should I failed to make payments I would have been barred from classes. 
I would like to be reimburse for those funds.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$10000.00XXXX XXXX XXXXXXXX Balance Owed : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no affiliation with the furnishing company nor have they provided any services to me. They've not provided the verification method or valid information linked to my accounts. 
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 U.S.C 1681. Account name : Account # : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States i have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without 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, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) section States. 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, credit repair services, or other personal consumer reports

I have wrote letters asking for an investigation of a couple accounts that's listed on my credit report. I either get stall letters from XXXX stating that I don't have a credit profile or I can't use a third party. I have never used a third party and I have sent letters with legal documents to correct my personal information so I can get a proper investigation. I have informed XXXX, XXXX, AND experian of the accounts in question and they send me letters just saying the account was verified. I asked for the method of verification along with additional information and they continue to send me letters stating the investigation is complete and verified. They don't tell me how it's been verified. Also, they are reporting different information from other credit bureaus. I have submitted disputes about this as well and asked them to delete these accounts, if all bureaus are getting the same information from the same company they should not be reporting different information within all 3 bureaus.
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 Account number : XXXX Account name : XXXX Account numberXXXX has violated my rights. Or 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.