23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The information that is providing on my credit report is inaccurate and goes against the Fair Credit Reporting Act. Inaccurate information in date opened, high credit, credit limit, date last reported, comments, date of active, lastly date of last payments.
Product: Debt collection

in accordance with the Fair Credit Reporting act -XXXX  XXXX XXXX finance Account number XXXX, XXXX. XXXX, XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX, -SYNCB/ASHLEY HOMESTORE Account number XXXX, -XXXX  Account number XXXX, XXXX XXXX Account number XXXX, -SYNCB/CARE CREDIT, Account number 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

you are reporting the incorrect balance and credit usages on my credit report. You have XXXX XXXX, XXXX, XXXX and credit seames reporting inaccurate information which is effecting me from getting a mortage loan. 
I have also paid all three credit collections on my credit and asking that they are removed off my credit report. 
I have 12 credit card reporting XXXX balances and you are reporting incorrect balances
Product: Credit reporting or other personal consumer reports

I recently Checked my credit report and saw accounts reporting that i do not recognize.
Product: Debt collection

the collection is showing on my credit as collection practice when it was charged off, they put it on 12 collections and a write off
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft in XXXX 2017. I have called XXXX XXXX XXXX, XXXX and Victoria Secrets to let them know I did not apply for cards with them but it was identity theft. After 30 days of not hearing back I then mailed them letters stating that I did not try to open an account and I wanted them removed from my credit report. Sadly, I have not heard back from one of the companies above in reference to this or how they are going to remove from my credit report?
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 ). Specially, 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 action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Someone stole a blank check from my mothers and my checking account. Then wrote it out and forged her signature. The bank cashed it for {$450.00}. Then at another location, they tried to cash a fraudulent check with our same account number. It was then discovered that the one the first location had already cashed, shouldnt have been. We disputed it, filed a police report and now today the fraud department of the bank called and said they wouldnt cover the check, because we didnt keep the check safe. The checkbook was in my mothers purse. The bank has a picture of this person and his ID number. The police are looking into this further but I have to do a lot of leg work to get this done. They know it forged, but still wont cover the check.
Product: Credit reporting or other personal consumer reports

I provided all three credit bureaus on XX/XX/year> ( Transunion, XXXX, and XXXX ) to remove the name, addresses and employment that are reporting on my credit report is incorrect and needs to be updated with correct name, address and employment. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Under FCRA Section 617 & UNDER 15 USC 1681o ) since you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my consumer rights under the FCRA and under the FEDERAL CONSUMER LAWS.
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 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 violation
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

I was called on my cell phone at XXXX and left a voicemail to call back ( XXXX ) because they " needed my statement since I was a person of interest ''. I called back at XXXX, phone rang at least XXXX times before a XXXX XXXX XXXX picked up. He advised me the call was an attempt to collect a debt and our call was being monitored. I proceeded to get the company information from XXXX XXXX. The collection company was called High Point Asset Inc. ( http : //highpointassetinc.com/ ) and they were calling about XXXX pay day loans taken out under my name, which he repeated back to me, my social security number, which he repeated back to me in whole, and my home address, again repeated back to me in whole. He advised of the dates the loans were taken out and the last XXXX of the checking account used, I advised XXXX XXXX I did not have then or now a XXXX XXXX account matching those numbers nor did I live at the current address when the earlier loans were supposedly taken out. XXXX XXXX was very warm to speak too, kind. He said he would forward me everything they had on my account so I could go through the proper channels to dispute the charges. We spoke for over 30 min and he even gave me his extension number ( XXXX ) for me to call back to update him on my findings. Everything seemed legit other than the fact I never took out any pay day loans. He gave specific dates and amounts and company names the loans came from. He did only email me one collection letter, but no validation of debt. I mentioned to him towards the end of my call that in my field of work we have a hallway of dedicated lawyers so as soon as he could send me information I was going to take to them for review, about that time he told me he had been on the call too long and would have follow up with me later. I have since been trying to research this collection company, but all I find is that it is a scam. I have since called all XXXX of my credit reporting agencies and flagged my social for fraud until I know further.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud 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. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have noticed this Factoring Company named XXXX XXXX XXXX  is reporting derogatory remarks on my credit report and I have never had any accounts with them or any accounts with XXXX XXXX for this amount of monies I have had a XXXX XXXX card years ago and it was paid in full so I 'm really curious as too how this company is trying to get money from me and I never had any account owing this amount of money, the payment history is showing I have failed to pay and I do n't know what I 'm paying and why and who these people are, I would like to address this immediately and get this negative remarks removed from my report.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of XXXX XXXX XXXX XXXX. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please ensure that all information is accurate. If not proven delete this immediately. 
4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. " 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That is not initiated by the consumer '' XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

6. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX  Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

7. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Debt collection

I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THESE ACCOUNTS HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT FILE AND NAME. I HAD NO KNOWLEDGE THAT THESE ACCOUNTS WERE ON MY CREDIT FILE UNTIL I RECENTLY PULLED MY CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS OFF MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, on XX/XX/2019 at XXXX. I appear in court. I was being sued by Hunt & Henriques on the behalf of XXXX XXXX XXXX. On that day the plaintiff lost the case against the defendant ( XXXX XXXX ) I request my credit report and the negative information still exist on my credit history. I would like for this information to be removed since I do not owed any monies to XXXX XXXX XXXX via Hunt & Henriques. I have spoken to a debt collection lawyer and he stated I do not owed prior monies to original owner XXXX XXXX and buyer of said debt XXXX XXXX XXXX ... ... Hunt & Henriques, Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent to Experian a letter requesting ( XX/XX/XXXX ) the investigation and verification and provide me the source of a bankruptcy that's being reported on my credit report and asking that it be deleted if they can not substantiate. I also called Experian again on ( XX/XX/XXXX ) to speak to a representative about the bankruptcy and following items and was told that they got the information concerning the bankruptcy from the court : 1>Bankruptcy investigation and verification 2>Inaccurate names 3>Inaccurate phone number 4>Inaccurate addresses 5>Inaccurate employer I receive a letter from the ( clerk 's office ) stating that they do not provide Bankruptcy to any third party.
Product: Payday loan, title loan, or personal loan

I have called and emailed RSVP many times since XXXX to have the bank account information updated for my loan payments. To date the information is not updated, resulting in missing/late payments. I have been charged their very high rate of interest on the missed payments balance and the missed payments have been submitted to my credit report. They recently threatened legal action although the late/missed payments are a result of their error and failure to follow my instructions. I have followed their instructions on how to have my account updated for each of my attempts. There was a recent phone call where RSVP admitted their error but did not reverse the undue interest and they still have not updated my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are incorrectly reporting a charge-off in the amount of {$5300.00} on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I did not apply for this account nor did a authorize the account to be opened. This is a fraudulent account and needs to be removed from my credit report. This false reporting of a charge-off that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/XXXX. A creditor ( XXXX XXXX XXXX  ) is still showing on my report 5 years later. Ive contacted them as soon as the bankruptcy was finalized. I faxed them the discharge letter and e-mailed it to them. But its still showing. 
On XX/XX/XXXX my bankruptcy attorneys sent an e-mail, a fax along as did I and its still showing on my report even though this was discharged as part of my bankruptcy Please help
Product: Vehicle loan or lease

Car loan was paid in full on XX/XX/XXXX. Company submitted on XX/XX/XXXX to credit bureaus that I was 90 days past. As of XXXX they submitted I am 30 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I believe my identity has been compromised. On XX/XX/2022 I received XXXX XXXX alerts that my credit had been pulled in XXXX car dealerships : XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX On XX/XX/2022 I also received an Experian XXXX my credit had pulled at another car dealership : XXXX XXXXXXXX XXXX XXXX. I called all three dealers and told them my identity had been compromised. I put credit locks and fraud alerts on all bureaus. I called my local XXXX 's department and they advised me to come here. I'd asked one of the auto dealerships what information had been given- the person used my old address, had my correct place of employment but incorrect job title, and a phone number that wasn't mine : XXXX. My XXXX 's department said it was likely a spoof number and could only tell that it was a XXXX number.
Product: Credit reporting

I made my request for my credit report via the XXXX website. Experian refused to provide me my report online and stated that I would have to mail in additional verification. I then went directly to their website and chose an option that required me to pay them for the service, and they immediately provided the report after I paid the fee. 

It is very obvious that they are intentionally circumventing my right to receive a free copy of my report and attempting to get me to pay for their service by refusing to provide reasonable access to my report if I do n't choose their premium service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a legal full name change back in 2017. I took the steps to make sure banks, employers, and all legal documents reflect the change. 

I am trying to open a line of credit, and my banks are unable to validate my identity with the credit agencies. I had this problem earlier this year and was unable to resolve it. 

I mailed a copy of my updated : ( State driver 's license, Passport, Social Security letter of confirmation, Official court order of name change, XXXX military ID, a bill with my name on it, birth certificate and my Marriage licence & certificate ) to Experian and they did not update my information, nor did they respond. Because of this I am still unable to access my credit, open a line or do anything. 

I've tried contacting them however I can not get past the automated mailbox, their website will not validate me or work at all. 

My name is XXXX XXXX XXXX. My old name was XXXX XXXX XXXX. My number is XXXX XXXX Thank you so much for any help you may provide.