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

Recently i did an investigation on my credit report and found several items on there to be inaccurate under 15 US 1681e b accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates to. 
15 US 1681i Treatment of inaccurate or unverifiable information in general if after any re investigation under paragraph ( 1 ) of any information disputed by an consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the re investigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. please remove the following items from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : Unknown Balance : {$650.00} ACCOUNT NUMBER : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I had one of my two Mohela student loans forgiven. I currently owe {$3100.00}. The {$220000.00} loan was forgiven. After many months and many calls, Mohela finally removed the balance from my credit reports. This took countless calls and many, many hours on hold. Without warning, Mohela re-reported the balance a second time many months later. It took many calls, hours on hold, and disputes to get it removed a second time from the credit reports. In the meanwhile, I was denied housing and suffered unfair hardships from having this incorrect information on my credit reports. After months of work, I finally got it removed a second time. Now, many months later again, Mohela has reported the incorrect balance on my reports a THIRD time. Mohela agrees that I just owe {$3100.00}, yet keeps reporting a false balance that is doing me great harm. I feel harassed by Mohela and feel that this is more than a simple error.
Product: Debt collection

The account was created in 2018, it was fraud. Some one opened a XXXXt account in my name and now it is a charge off under my credit report. I reached out to the debt collector XXXX but they never follow thru in sending me the correct paper work to my address to handle this problem. I also think they are guilty of zombie debt because this has been on my credit serve different times with different dates of active.
Product: Credit reporting or other personal consumer reports

I was the victim of a data breach and identity theft. I reached out to the companies AND the credit bureaus in reference to the illegally obtained accounts. XXXX has informed me that they have crossed my personal credit profile with someone with the same name as that lives in another state. I asked numerous times for the files to be separated, they said they were but needed time to remove the inquires. Since then, there has been another identifiable account from XXXX XXXX XXXX on my credit report that has no business phone number or address to reach them. There are currently 12 inquires that should not be on my credit report because I haven't applied for anything, in addition to this illegally obtained account, I have mailed in my FTC report, ID, and social security card along with a letter with the fraudulent accounts listed, twice. XXXX has no option to upload all this information. They are continuously stating they have yet to receive my information. 

Simultaneously, Experian has been going back and forth with me for months about an XXXX account that has been open for 3 years, that its not mine. I have also informed them about the identity theft, and the security breach. They have done nothing to remove the account, even after I have called over a dozen times, and uploaded proof 7 times, and also contacted XXXX, who has also stated the account was fraud. They have a social security number, email address, and phone number of someone else. Which would confirm that the account was fraudulently obtained by someone else.
Product: Debt collection

I dont know who this company is they are mailing me letters and calling me on my cell i dont know who they are
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX BANK XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I call Discover Card services XX/XX/2021 to inquiry as to why my credit report was showing I only paid {$220.00} each month. I was told they do not have to report the complete amount, all the law requires is that they report the Minimum balance. and they where not going to change it.
Product: Credit reporting

Experian deleted an old Bankruptcy from my file in 2015 and since adding a fraud alert and identity theft to my file ; they have readied the Bankruptcy to my File. I have disputed it even sending them the prior results and calling the courts for help ; however, they refuse to remove the Bankruptcy as XXXX and XXXX did. 

I am waiting to close on my house in 45 days my second extension ; and if they do not remove this is face a 8 % interest rate compared to a XXXX. 
I called the XXXX in XXXX XXXX and I was told that the Bankruptcy should be deleted and they are no longer reporting it.
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 charged fees due to lagging posting of charges and credits. This issue aligns with recent CFPB findings 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: 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 on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. T
hese actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I was sent a PayPal.com/prepaid secure credit card. I attempted to activate card but it was denied as I previously had a Netspend card with legitimate unauthorized charges which I reported to Netspend but they have not reimbursed me,
Product: Debt collection

I was employed by this collection agency from XXXX. During this time I observed the company make collections on debt that was past the Statute of Limitations in all 50 States.

The collectors were telling debtors that a motion has been filed in the debtors county for a lawsuit, that the collector would say NCA is a law firm, that unless the debtor would come to an agreement right then an there the motion would be put into place, that the debtor can have their wages garnished. This company is not a law office, the collector was not an attorney nor paralegal but would say they are a liason then other times not say they what their title was but that a lawsuit will be filed, this was on both current debt plus debt that was past the Statute of Limitations. NCA would tell debtors the debt is on their credit score even if it's 8-12 years old with the company placing old debt onto a person credit report to collect even though the debt is past the limitations thus affecting the debtors credit score. The company collected on all types of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor 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 : XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX  XXXX Balance : {$400.00} ; XXXX XXXX XXXX  XX/XX/XXXX Balance {$250.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Account Number : XXXX Original Creditor : XXXX XXXX XXXX ( USA ) XXXX. 
Balance : XXXX This will be my second complaint I am submitting against PORTFOLIO RECOVERY ASSOCIATES before I seek council for Fraud and Identity Theft. I have tried to resolve this matter with this company to many times and the results they have provided are useless. I have no Knowledge of this account what so ever. This company has my name and social security number on there private accounts for a debt that doesn't belong to me. I have asked for a simple contract and a simple promissory note that has to be attached to there terms and conditions and they have failed to produce either one. This means they are not the HOLDER IN DUE COURSE of this alleged debt according to Subsection 3-302 under the UNIFORM COMMERCIAL CODE. Since PORTFOLIO RECOVERY ASSOCIATES won't remove this alleged debt from my credit report and claim I owe them, then I am now seeking ( Recoupment ) under U.C.C. subsection 3-305 Defenses And Claims In Recoupment. Fraud is the factor here and this company is in VIOLATION and all its entities who conspire to help PORTFOLIO RECOVERY ASSOCIATES. Please submit the evidence to me that I have provided for you in the resolution section of this complaint.
Product: Debt or credit management

AWA Collections has stated I am in collections. This has just appeared on my account. Please help me as I was targeted before by law enforcement, and had a big ordeal of gaslighting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX AV XXXX, CA XXXX ; XXXX XX/XX/2022.
Product: Credit card or prepaid card

I opened an American Express Delta Reserve card on XX/XX/XXXX and was approved. I opened it in large part because of the promotional offer with the card -- spend {$5000.00} in the first three months and other mileage credits if you spend certain amounts after that within the year. I opened it after much research and despite the {$550.00} annual fee because of these promotional offers. I was sent emails immediately letting me know I would receive the card within 3-5 business days. By XX/XX/XXXX, I still had not received the card so I contacted AMEX. I was told that they didn't know what had happened to the card but they reissued one and said it would be there by XXXX XXXX. I did not receive the card by XXXX XXXX and when I called that day and spoke to a customer service representative, they said that they weren't sure when it would be reissued because there was a " backlog '' in producing the card. I finally received a card on XX/XX/XXXX in the mail, but this card was the first one that hadn't arrived. When I called again, I was told that they could not reinstate this card and that they still had no ETA on the replacement card. 

AMEX should not be allowed to offer promotions to customers and then prevent them from earning the promotions. I now feel stuck -- I can't close the card and open a competitive one without hurting my credit. I have to pay a {$550.00} annual fee. And we are now 10 days into my three month period to earn the promotion with no ETA on when I will receive the card to use. I've called and asked for solutions. I've called and asked to speak to managers. I've gotten repeated run arounds and no resolutions other than a {$30.00} credit to my account. This seems like fraud and an unfair business practice, and I think AMEX should be forced to waive the {$550.00} annual fee and credit me the promotional amount now given the hassle and their many promises that have not been fulfilled.
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. 

Child support enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts has violated my rights.

15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 Section 604 A.Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 then records of convictions of crimes which antedates the report by more then seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have also included screenshots of my credit report highlighting all errors and inaccurate information The first two screenshots are Child support enforcement. 
The next one is for XXXX XXXX XXXX XXXX. The third one is for XXXXXXXX XXXX 
And the last XXXX screenshot is for XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent request to XXXX, XXXX and Equifax that the Bankruptcy court does not report to credit bureaus and that I would like to have it removed from my credit report. I received letters from them stating that they receive information directly from the courts, but upon receiving the information that they send to me, they get information from XXXX a credit-reporting agency. I contacted XXXX in regards to this and they have deleted the bankruptcy from my file. I am providing letter from XXXX to have the bureau 's remove this from my report/file.
Product: Credit card or prepaid card

I applied for first progress XX/XX/XXXX, they immediately took the money out of bank account and I paid the XXXXrush fee to receive my card in 3 business days the application stated when my money clears I will receive my card I paid a total of {$210.00} and I would have XXXX on my card. Today XX/XX/XXXX I still have not received my card? But I will be paying interest on card I have never received or used due to this card it arriving in time I can not the company unless I write to them which will delay this process even more how am I ever going to resolve something without phone contact? I contacted my bank to see if I can dispute to get my money back and close the card I do not want at all now!
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX  % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/21 received in the mail a XXXX XXXX XXXX ( XXXX XXXX  ) from Cash App - PO Box XXXX XXXX XXXX XXXX, MO XXXX. I have not applied for any credit. I have signed up for XXXX 's Protection Program & with their assistance we have tried to reach out to both Cash App & XXXX XXXX  with no success. Thru further research found their has been several fraud complaints filed with XXXX.
Product: Debt collection

I had an outstanding debt for directv/att that was sent to Sunrise Credit for the amount of {$290.00}. I called the credit agency ( sunrise credit ) on XX/XX/XXXX to settle for less. I settled for {$150.00} and the debt was paid on XX/XX/XXXX. I asked for proof but never received it in the mail. I called sunrise credit again XX/XX/XXXX inquiring about my paid off debt and they informed me that my account was sent to disputes and they could not access it. 
I called sunrise again today, XX/XX/XXXX to inquire about my proof of payment and closure of account. They informed me that my account was sent back to XXXX and to call them. So, I called XXXX and after being transferred 5 times, I spoke with a man that told me I still had a remaining balance of {$140.00} and I needed to pay the remaining balance before the debt would be considered paid in full I am trying to purchase a home and this debt is lingering on my credit reports. I settled for less so this debt would be removed from my credit reports in a timely manner and I could purchase a home by mid XXXX but here we are, mid XXXX and this debt is still haunting me.
Product: Consumer Loan

Followed an an Online Ad for Equity Loan. I own XXXX % of my property of Market Value near XXXX dollars. The loan requested is for {$2000.00}, which fits in my budget, almost at any interest rate. A brief questionnaire in thus presented, and a soft Credit Score Inquiry is performed. 

And here it comes : You 're approved! One last step, finalize your application, said the email. There more info is requested, including complete SS #, bank account, routing number, online user id, password and even security question answer, insurance coverage. Not a question about my life style and spending habits or other obligations such as loans, cars, etc. 

Then for conclusion, an enrollment page in myscore.com and various other online services. 

Clearly, there is no intent to extend a loan whatsoever, but to collect information at my expense, for their marketing compaign. Information that is supposed to be protected. 

Obviously, these people do not need my business or that of XXXX Americans they violate on a daily basis. Who knows, they may be doing it with our own money, that is money earned with sweat. 

The loan is to acquire a car for another 30 hours/week job, XX/XX/XXXX. 

Their customer " service '' says, that I do not have enough debt against the property - In other words, I will be able to payback the loan, is the problem!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 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 or other personal consumer reports

I have noticed that my credit report contains incorrect personal information, which has caused unknown and inaccurate accounts to appear. As a victim of identity theft, my information was used fraudulently, leading to items on my credit report that I have no connection to. Following instructions from Equifax, I filed a report with the FTC and submitted it ; however, these fraudulent items still remain on my report.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX. XXXX, XXXX # XXXX Account Name : XXXX # XXXX