23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Hi, I would like to file a formal complaint against Experian due to their inability to fix an error in their system that prevents my credit score from appearing. 
To give some background information, last year around this time I moved to XXXX, IL and I applied for apartment. To my surprise there was an error and I had to pull up my credit score information to send to them. I checked all XXXX on XXXX and I also received an error from experian, but was able to pull my information from the other XXXX reports. I did n't think anything of it and the apartment company was able to accept what I had submitted from the other reports. 
This year I decided to move to a different apartment complex in XXXX and the same thing happened again. I went online and tried to pull up my credit through their website and it would error out when it was processing every time I hit submit. This time I knew there was an issue and I decided to call them to figure it out. I called the automated system and received an error and was given the run around when I tried to find an option to speak with a representative. I managed to find a number for their customer service for people that was n't to sign up for their services. After speaking with XXXX different representatives including a supervisor, they all gave me the same generic answer that they would n't be able to assist and I would have to call the other number. I told them I called that number and that I was unable to talk with anyone since it was all automated and they insisted that I would eventually talk with someone that would be able to help me. They were wrong and I kept calling the number telling me to go online or mail in a form with identification. I went through everything I could online and with no help from anyone over the phone I 'm not sure where to turn. Please if there is anything you can do to help it would be greatly appreciated. I 'm not concerned about my situation so much this year as I am in the future when I would have to have a cosigner for everything when I worked so hard to have an excellent score through the other companies.
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 proces 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 k financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Equifax had a data breach and my information was exposed! My credit score went down because of it and I dont k ow what to do! I am very angry about this and if they dont fix it, I am suing Equifax. A lot of people were affected by this breach! They didnt send a letter out or anything! Please fix my credit report or Im suing Equifax for the exposed data breach. Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included a screenshot inside the complaint in on dates of XX/XX/24. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand I demand these payments be updated to paid as agreed on time as they should be due to the fact that i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

I have contacted One Main Financial multiple times to resolve the debt owed. They are running me around between them and their hired attorney because I have found multiple inaccuracies with the debt and want it deleted instead of paying them after they wrote the debt off ( which is recorded in my credit report ).
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some derogatory and collections that I did not make nor did I approve anyone to pull my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX - National Credit Adjusters - On XX/XX/2021, I settled this account through National Credit Adjusters. The account was paid in full and is closed. The account is still open with XXXX, XXXX, & XXXX. Initially, NCA contacted all three bureaus, but a balance was reflected when it should have {$0.00}. I contacted XXXX, XXXX, XXXX  on XX/XX/XXXX of 2021, opened disputes, and sent the settlement letter from National Credit Adjusters and the XXXX XXXX reflecting that the amount was taken from my checking account. The balance was reduced to {$0.00}, but the letter reflects Paid In Full. The NCA has not informed the bureaus that this account is closed. I filed a 2nd Dispute with XXXX  on XXXX and will file again with XXXX  and XXXX  today. I would like for NCA to request removal of the collection. If they are unable to, I would like for NCA to inform all three bureaus that this account is closed. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. I have attached the settlement letter from National Credit Adjusters, the XXXX XXXX reflecting that the amount was taken from my checking account, XXXX XXXX XXXX, and police report from the fire.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report from Equifax, and unfortunately discovered several inaccuracies in my personal information. I demand Equifax to review the accurate and real information provided by me and only, the consumer. Trusting that they will stop violating my federal protected rights and fix this inaccuracies immediately. Report Confirmation XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX account XXXX ; XXXX account XXXX ; XXXX account XXXX ; XXXX account XXXX ; XXXX account XXXX ; XXXX XXXX account XXXX ; and US BKPT account XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS EXPERIAN and myFico because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS.

3. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

n 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Checking or savings account

My deposit was approved then taken back and being held for 15days the deposit was made 3 days ago and now XXXX XXXX AS LONG AS ND XXXX XXXX DECEITFULLY BIAS & PREDJUICE BANK XXXX. have put a hold on my MOBLIE for 15days this is not a check this is unc as lied for I was told by XXXX XXXX they have not even prevented the money order for payment is demand proof this money order was processed and presented for payment and not just being held deceitfully. Send proof to my email showing this instrument was present for payment 4 days ago ...
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX # XXXX - IDENTITY THEFT! 
XXXXXXXX XXXX # XXXX - IDENTITY THEFT! 
XXXX XXXX XXXX - IDENTITY THEFT! 
XXXX XXXX XXXX XXXX # XXXX - IDENTITY THEFT! 
XXXX XXXX # XXXX - IDENTITY THEFT! 
XXXXXXXX XXXX XXXXXXXX # XXXX - IDENTITY THEFT! 
XXXX XXXX XXXXXXXX # XXXX - IDENTITY THEFT! 


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 of 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

My discover account was paid off, payments were made but it is still reported that there were late payments. I'm asking for this to be corrected. I attempted to speak to discover regarding this and they neglected to work with me on any months that payments were received. I also tried to satisfy the payment with this creditor prior to it going to a debt collector and discover was unwilling to do so. Due to the covid pandemic and lack of employment I was unable to satisfy this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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. The List of accounts and addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 ( AN ( 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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$74000.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$5200.00} XXXX XXXX XXXX XXXXXXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$71000.00} ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a car with one auto company and they used my credit in other different without me knowing they was going to pull hard inquiries throughout all the other auto companies.
Product: Money transfer, virtual currency, or money service

Today I attempted to pick up a moneygram transfer in the amount of {$200.00} reference number XXXX at the XXXX XXXX XXXX - # XXXX located at XXXX XXXX XXXX XXXX, MD XXXX. I used the moneygram app to begin the receive. However, when I reached the register the agent said the transfer was not available.
Product: Mortgage

My partner and I bought a house in 2005 and financed thru Wells Fargo. They advised us to skip several payments to be eligible for any kind of loan modification, this pushing us closer to foreclosure than to get the loan payments. The house was eventually sold as a short sale and our credit was shot. We found out later that Wells Fargo had numerous law suits for fraudulent mortgage related charges. Was told I needed to file complaint to join the thousands of others that Wells Fargo has to settle out with. I do not have the Account # for our loan, but Im sure the address of the property could be used along with my name. Property address is XXXX XXXX XXXX, XXXX, TX XXXX.
Product: Debt collection

ENHANCED RECOVERY CO., ACCT. NOXXXX, A COLLECTOR FOR ORIGINAL CREDITOR XXXX IS ATTEMPTING TO COLLECT A DEBT THAT IS NOT LEGALLY OWED, A DEBT THAT WAS PROCURED BY FRAUD. 
3 YEARS AGO, MORE OR LESS I BOUGHT SERVICE AND PHONES FOR XXXX WHILE LIVING AT MY HOME IN XXXX XXXX, CA. 
XXXX KNOWINGLY SOLD ME SERVICE AND PHONES THAT WOULD NOT FUNCTION PROPERLY DUE TO LACK OF CELL TOWER OWNERSHIP OR LEASES FOR THEIR SERVICE. 
THIS RESULTED IN DROPPED CALLS, INTERFERENCE, MISSED MESSAGES, GENERALLY A POOR NON-FUNCTIONING SERVICE.WHEN VISITING A XXXX STORE THEY EVEN OFFERED SWITCHING OUT THE PHONES, A FURTHER DECEPTION. 
THE PLACE, LOCATION AND NUMBERS OF TOWERS ARE INFORMATION THAT THE REGULATORS OF XXXX ARE AWARE OF. 
XXXX AND THEIR COLLECTOR XXXX ARE MERELY FUNCTIONING TO A PRE-THOUGHT OUT PLAN OF DECEPTION, FRAUD AND THEFT. 
IT IS INTERESTING TO NOTE THAT THEY HAVE NOW MERGED WITH THE 2ND BIGGEST FRAUDSTER IN MY AREA XXXX. 
BOTH HAVE OFFERED CHEAP PLANS THAT DO NOT FUNCTION.IT IS THE BUSINESS PLAN THAT GOVERNMENT PROSECUTORS SHOULD DO MORE ABOUT. 
CALIFORNIA 'S IMPLIED WARRANTY LAWS ARE STRONGER THAN THE FEDERAL, PRACTICALLY SPEAKING, THERE ARE NO LOOPHOLES. 
BOTH XXXX AND XXXX  AND PROBABLY OTHER BUREAUS DISPLAY THIS FRAUDULENT ACCOUNT.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the ongoing issues I have encountered with the credit bureaus, specifically XXXX and TransUnion. Despite submitting my disputes with complete and accurate ID verification as instructed, I have repeatedly received letters from both bureaus stating that my dispute letters do not appear to be sent by me or authorized by me, and therefore they refuse to investigate my claims. 

This refusal to open my disputes is not only frustrating but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to Section 611 of the FCRA, consumers have the right to dispute inaccurate or incomplete information in their credit reports, and credit reporting agencies are required to investigate these disputes. The actions of XXXX and TransUnion in refusing to open my disputes despite proper verification obstruct my ability to correct inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX has neither corrected nor removed disputed items 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 XXXXXXXX XXXX inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

The account is not mine and I asked them to validate the debt with the original contract and they did not provide me with the original contract as requested. I am not liable for the debt with XXXX ( Account # XXXX ). It is noted that the debt was charged off/written off. According to USC 15- 1681 and USC 15-1692 It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
Supposed date opened XX/XX/20XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year> I received an offer for a new credit card through USPS. The letter explained that I was pre-selected for a Chase Unlimited credit card and gave me two ways to apply either mail or online. I submitted the application online using the letters instructions the same day I received it in the mail. After submitting the application I received an inquiry on my credit report and Chase sent a follow up email saying they would be in touch with me soon. On XX/XX/year> I received another letter from Chase in the mail about the application. It informed me that they are concerned someone may be using my information fraudulently and declined the application and if the application is valid I needed to contact them at XXXX. On XX/XX/year> at XXXX XXXX I called the number provided to identify myself. I was asked to confirm my social security number which I did. The rep also asked me for the phone number I applied with which I provided as well. He offered to send a verification number by text then told me that my phone number is not eligible to receive the code. He told me to hang up and that he would call me to verify the phone number. I didn't receive a call back. That phone call lasted XXXX minutes. I called back again the same day at XXXX and the next rep asked me for the same information which I provided my name, social security number and my phone number. He offers to send another verification code by text or phone call. He told me that my phone number is not eligible to receive phone calls or text. I asked him why the phone number is not eligible if I applied with it and he told me that I will have to visit a chase branch to complete the verification. There is no branches in Hawaii. I received a hard inquiry on my credit for an application they sent me to my address.