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 are violating my consumer rights. I recently looked at my credit report and found multiple inaccuracies and violations. 

XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX  - ACCOUNT # XXXX has violated my rights XXXX. US DEPT ED - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX. BANKRUPTCY - REFERENCE # XXXX has violated my rights XXXX. XXXX XXXX  - ACCOUNT # XXXX has violated my rights XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXXXXXX XXXX XXXX  - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXXXXXX XXXX XXXX  - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXXXXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions 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, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days.  Please see items below ACCOUNTS XXXX ****XXXX not mine XXXX   XXXX ****XXXX not mine XXXX XXXX ****XXXX {$1100.00} not mine XXXX ****XXXX {$600.00} not mine ****XXXX  {$150.00} not mine XXXX ****XXXX {$430.00} not mine
Product: Debt collection

ProCollect of XXXX continues to leave a {$41.00} collection debt on my XXXX Credit even though I have proof they cashed the check for this debt 4 months ago and I have called them 3 times to have this removed since that time. It has kept me from re-opening my main XXXX XXXX card account two times now. They have made two promises of dates that this will be removed from my credit report and those dates have long since past. What teeth can you put in to this and force them to act now???
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX  of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account 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

I dont regonize this inquiry. 

AMEX Date of inquiry : XX/XX/XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Crediting Report Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau 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. These failures align with my experience, where Experian has neither corrected, nor removed disputed items. They did not send over any information from creditors with accurate account information or reasons why, 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 in action violates federal law and my rights as a consumer.
Product: Mortgage

In XXXX XXXX, I hired XXXX XXXX XXXX XXXX XXXX to help modify my mortgage loan with Wells Fargo. XXXX XXXX Offices took over my loan modifcation with Wells Fargo. Wells Fargo refused to modify my loan. I was requesting a lower interest rate of 3 % which is what they were advertising on the radio. My interest is 6.5. In the middle of negotiations in court, Wells Fargo transferred the mortgage service to XXXX XXXX. XXXX XXXX refused to reduce my interest rate. They only offered me foreclosure or reinstatement. I chose reinstatement. My attorney 's office was emailing me to communicate with me. At some point, the attorney and I suspect that on XX/XX/XXXX, the emails were hacked and the location for the wired loan reinstatement fee was changed to XXXX XXXX  at Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXX, WI XXXX, routing # XXXX, account number XXXX. On XX/XX/XXXX my credit union made the wire transfer of {$18000.00} to the Federal Reserve Bank. The Federal Reserve transfered the money into that account. Then the money dissappeared. No one is taking responsibility for my missing money. I need my money back.
Product: Mortgage

Nationstar increased my MONTHLY payment from {$1400.00} to {$1500.00} for the last 6 months although they say my YEARLY e scrow has only gone up about {$150.00}. They have no explanation for why I 've already paid  XXXX  more than last year.
Product: Credit reporting

In addition to my pending case with CFPB ( CASE NUMBER : XXXX ) ; On XXXX XXXX, 2016, TransUnion deleted all my inquiries including the fraudulent inquiries but, later re-inserted all the inquiries that were removed including the fraudulent inquires. I 'm sure thousands of consumers have been affected by TransUnions awful reporting and non compliance of the FCRA. 
TransUnion is required by law to inform me within 5 days of reinsertion that they are adding anything to my report and since TransUnion failed to notify me, they have broken the law. TransUnion violated my rights under the FCRA SECTION 611 laws. 
I have provided proof in previous disputes to TransUnion regarding fraudulent inquiries in my credit profile now I have additional proof they are continuously violating the FCRA laws. 
I have proof of the removal and the reinsertion from XXXX XXXX. 
I demand the inquiries to be removed from my credit report in exchange of me pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY XXXX XXXX ACCOUNT HAS INCORECT BALANCE INFORMATION. PLEASE UPDATE THIS ACCOUNT INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX until now I've reached out multiple times via phone, mail, and even online chat with no responses from the bureau in regards to inaccurate info on my report!
Product: Debt collection

I am writing to notify this company that I refuse to pay this alleged debt and that I now order TRANSWORLD SYSTEMS INC and all its affiliates to Cease and Desist all communications with me unless it is to inform me that all collection efforts are being terminated. PLEASE SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$3000.00} / XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX XXXX XXXX XX/XX/year> XXXX I'm in disagreement with the account listed ( Account : XXXX ) XXXX XXXX XXXX ) which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. In accordance with the Fair Credit Reporting Act, Public law 91-506, title VI, Section 611, please provide the names and the business address of each individual with whom you verified the account with and please follow up. Please send me an updated copy of my credit report after your investigation.
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 have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the Credit Bureaus for reporting willfully false information FCRA 616 ( 15 U.S.C. 1681n ). They reported XXXX XXXX XXXX XXXX as a Charge off with a balance of {$5200.00}. I have never received a 1099C for this debt. They did not provide a 1099C to accurately reflect this as a charge-off for tax purposes.

I know that Under 15 U.S Code 1681i Treatment of Inaccurate or unverifiable information ( A ) In general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) -- promptly delete that item of information from the file of the consumer or modify the item of information as appropriate based on the results of the investigation
Product: Student loan

After several weeks of money being in my checking and savings account with Navy Federal, there was a random adjustment on my account which left me with a balance of {$0.00}. When calling to clarify why this occurred I was told that it was due to a charged off student loan. When I asked about more information on this student loan I had no record of on my Navy Federal account page or credit report, the representative said the only way they've tried to contact myself and my cosigners is through phone. Neither my cosigners or myself have received any  phone calls about this particular loan, given I am still in college, so there was confusion why I needed to start paying back the loan while I was still in school anyways. The representative hung up in my face when she couldn't provide the proper answers to my questions about this loan I have no record of. I asked for a reported fraud and investigation in a later phone call back. On XX/XX/XXXX I received my paycheck but noticed that when checking my account, it was adjusted again and my entire paycheck was gone. I called Navy Federal that morning informing them that the money adjusted was for my rent and car note and needed to be reversed because I did not authorize anyone to deduct from my Navy Federal account. I was transferred to the private loan company in which they informed me that 1 ) They would not reverse the transaction 2 ) They acknowledged that they had notes that I wanted an investigation for fraud, yet did not follow through and 3 ) They would continue to pull all funds deposited into my Navy Federal account although authorized to stop. Through all phone calls I have yet to be updated about this private student loan, they have yet to give me a remaining balance or loan number, and they refuse to help me understand why representatives cant give me any information about the loan other than its charged off.
Product: Debt collection

My identity has been jeopardized because someone stole purse and I reported this issue to the credit bureau and now this is showing up
Product: Checking or savings account

XX/XX/2022 XXXX issued me a refund for some reason my bank Tusit posted it Friday night the post was gone I have called 3 times no one seem to know where the money is at. They keep telling me they have no record of it.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00}
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 ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount listed on the attachment. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.
Product: Debt collection

Original creditor did not attempt to contact me to resolve the debt. Original creditor forged signatures on documents. Debt collection agency did not send any information to myself. The only information I have received about the collection account was from XXXX XXXX The original creditor is pursuing low income families in a predatory fashion. The original creditor is pursuing my family with malicious intent. The original creditor violated me.
Product: Credit reporting or other personal consumer reports

Dispute the presence of certain charge os on my credit report. I believe that this charge o have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 compliancy requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Incorrect Addresses : XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/year> Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " SYNCB/PPC '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX et seq., I demand an immediate investigation and removal of this erroneous account within XXXX ( XXXX ) days, or I will pursue legal damages under XXXX U.S.C. XXXX and XXXX for willful and negligent noncompliance. 
Inaccuracies and Violations : Closed Account Due to Inactivity Still Impacting Credit Score The account is marked as " Closed due to inactivity. '' This closure reason should not negatively impact my credit score. Reporting it in a way that affects my creditworthiness violates XXXX XXXX. XXXX ( b ), which mandates accurate reporting.

Unverified Account Closure Reason There is no documented proof that the account was closed due to inactivity rather than voluntarily closed by me. Inaccurate reporting of the closure reason may be misleading.

Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under XXXX XXXX. XXXX ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within XXXX ( XXXX ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within XXXX ( XXXX ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up to XXXX official complaints to Experian, All of which have resulted in failure to update current PI to relevant open accounts. Experian has failed to maintain its obligations governed by FCRP. XXXX and XXXX have all complied. 

Currently requesting a new DL and SNN following IXXXX guidelines PLEASE REVIEW ALL SUPPORTING DOCUMENTS ATTACHED Address that are tied to CLOSED ACCOUNTS CAN NOT BE UPDATED BECAUSE THEY DONT EXIST. 

ALL ACTIVE ACCOUNTS ARE CURRENT HOME ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX MAILING XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX SECONDARY RESIDENCE XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

This creditor is reporting a negative debt against my credit report and has refused to debt it. This creditor is in violation of several consumer rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. Hence, this company is in violation of two different  consumer credit rights.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. can you help with it?
Product: Debt collection

I used to live in XXXX XXXX and used to go to XXXX XXXX, but during a pandemic, they closed the gym and their services, and I stopped going and moved to XXXX. They want me to pay XXXX dollars for the service I never used
Product: Student loan

I have a income share agreement through XXXX ( Back a Boiler ). The original servicer, XXXX XXXX, shipped off my ISA contract to Launch Servicing. My first payment was last month on the XXXX. They charged me the wrong amount. I have called them multiple times trying to get it figured out, but they have not. I was told it would be figured out by my next payment, which is tomorrow. They still have no clue what is going on, and when I call them, they claim that they are still trying to figure it out. I have been told multiple times I would get a call back in a specific time frame, yet I have not received one call back from them. When I call, they are not understanding about my situation at all and are frankly quite rude and dont even seem interested in solving the issue.
Product: Credit reporting or other personal consumer reports

The XXXX reported on my credit file is incorrect, and this inaccuracy is detrimental to my credit score. By misreporting the XXXX, you are effectively re-aging the account, which is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. XXXX reports the XXXX as XXXX. XXXX reports the XXXX as XXXX. XXXX reports the XXXX as XXXX. Please see the attached dispute letter which is dated and time stamped. Delete this account and provide me with a written confirmation of the deletion. Failure to do so will leave me no choice but to pursue legal remedies for the damages caused by this inaccurate reporting.
Product: Checking or savings account

Someone has attempted to fraudulently open banking accountings with US Bank, XXXX, and XXXX bank using my personal information. I received notices from each of these banks requesting me to verify my account information. US Bank directed me to file this report.