23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and is defamation of character. I can't obtain credit and can't apply for a home due to the pandemic crisis. I have been denied several jobs and denied of an XXXX loan. Last but not leasXXXX XXXX XXXX XXXX has been deleted once but was added again to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just co-signed the financing of a vehicle from XXXX of NY today ( XX/XX/2018 ) and have noticed that in addition to the bank and autocompany credit inquiries, there is a third that I do not recognize : XXXX XXXX, XXXX Inquiry : XX/XX/2018 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I did not approve this and do not approve this. I am worried as to where it came from.
Product: Checking or savings account

Capital one has failed to deposit my check into my account. I normally receive early checks on Thursdays. It is now the next day, Friday at XXXX EST and i still have not received my paycheck from my employer. This is absolutely unacceptable and frustrating as i have bills that are due and needing to be paid by a certain date. Additionally, Monday is a federal holiday and most places will be closed including the bank if i dont receive my check. This had caused financial distress the last 24hours and capital one needs to monetarily compensate their customers for this hardship
Product: Debt collection

Hello, I just received a notice from " the CBE Group, Inc '', passing for a debt collector for XXXX ( see document attached ). There is no mention of why I would owe $ XXXX to XXXX XXXX and it's especially suspect since I never sold anything there. The account number they refer to isn't mine, and their address doesn't match the one for CBE Group inc on the IRS website. A quick search online reveals that I am not the only one who may be preyed on. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Capitol One Credit Card, paid late, they sold it to XXXX XXXX XXXX XXXX XXXX did a great job of helping me ). Capitol One still shows that i have an active account with them even though I have a paid in full letter from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. 
Please delete these no good addresses that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
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 U.S. Code 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.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any r
einvestigation 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 shalli ) 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 reinvestigation; and ( ii ) 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 Account number : XXXX Date opened : XXXX XXXX, XXXX High balance : {$980.00} XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$640.00} XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$13000.00} XXXX XXXXXXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX High balance : {$630.00} XXXX  Account number : XXXX Date opened : XX/XX/XXXX High balance : {$220.00} EQUIFAX : XXXX XXXX Account XXXX : XXXX Date opened : XXXX XXXX, XXXX High balance : {$980.00} XXXX  XXXX XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$13000.00} XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$450.00} XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX balance : {$220.00} XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$200.00} XXXX : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$13000.00} XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX High balance : {$450.00} XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX balance : {$220.00} XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX High balance : {$200.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX XXXX ; 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I checked my credit report and found incorrect accounts listedI have no explanation for why this happened. I do these checks all the time, but this morning I was hit with unexpected errors. I even refreshed the browser multiple times, hoping it was a mistake, but nothing changed. Those inaccurate accounts are still there, and Im now requesting that the documents Ive submitted be reviewed thoroughly to put an end to my concerns once and for all.
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 Funds Transfer Act ( EFTA ) and Regulation E. These actions has 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

Bank of America Credit card account balance shows XXXX. I have never applied for the card nor am I aware of this card and I never banked with bank of america.

I had recent credit check done by homeland secuirty and that is when I noticed this issue. I have tried many times to get this problem solved but nothing happens. This is not my credit card nor my charges and I need this removed off my credit report. I have provided more then enough proof and documentation for this but bank of america is not responding at all.
Product: Credit reporting or other personal consumer reports

Demand for Immediate Deletion of Inaccurate Account Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX. 
Account Number : XXXX I am demanding the immediate deletion of the above-referenced account from my credit file due to multiple reporting discrepancies that violate the Fair Credit Reporting Act ( FCRA 15 U.S.C XXXX ). The information reported by Equifax, TransUnion, and Experian is inconsistent, inaccurate, and unverifiable, making this account invalid under FCRA XXXX ( a ) ( XXXX ) ( A ). 

Discrepancies Between Equifax, TransUnion, and Experian Reports : XXXX. Different Account Types : Equifax : Line of Credit TransUnion : Overdraft / Reserve Checking Account Experian : Line of Credit XXXX. Different Balance Updates : Equifax : XX/XX/XXXX TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX XXXX. Different Statuses and Charge-Off Amounts : Equifax : Charge-Off ( No Amount Listed ) TransUnion : Charged Off as Bad Debt ( Profit and Loss Write-Off ) Experian : Charge-Off with {$74.00} Written Off and {$74.00} Past Due as of XX/XX/XXXX XXXX. Different Past Due Amounts : Equifax : {$0.00} Past Due TransUnion : {$0.00} Past Due Experian : {$74.00} Past Due XXXX. Payment History Reporting Issues : Equifax : Reports exceptional payment history with no missed payments but still lists the account as a charge-off, which is a contradiction. 
TransUnion : No payment history displayed at all. 
Experian : XXXX XXXX, XXXX, XXXX, XXXX, and XXXX  days late, which conflicts with Equifax and TransUnions reporting. 
XXXX. Status Update Date Manipulation : Equifax : XX/XX/XXXX TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX This re-aging of the account violates FCRA XXXX ( a ) ( XXXX ) and FCRA XXXX ( a ) ( XXXX ) ( A ), as charged-off accounts can not be updated to extend their reporting period. 

These discrepancies violate FCRA XXXX ( b ), which requires only accurate and verifiable information to be reported. Since the bureaus can not even agree on the basic details of this account, the information is clearly unreliable and must be deleted immediately under FCRA XXXX ( a ) ( XXXX ) ( A ). 

I am not requesting an investigationI am demanding immediate deletion of this account from my credit report. If this request is not honored, I will escalate my complaint to the Federal Trade Commission ( FTC ), and potentially pursue legal action for noncompliance with the FCRA. 

Failure to comply with federal reporting laws may result in legal action against the credit bureaus and the data furnisher for willful noncompliance under FCRA XXXX, entitling me to statutory damages, actual damages, and attorney fees. 
Please provide written confirmation of deletion within XXXX days, as required by law.
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. 

XXXX : # XXXX, XXXX XXXX # XXXX, XXXX & XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXhas violated my rights.

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: Payday loan, title loan, or personal loan

I was told that they would delete the account and payment history because the account was paid and they were to remove from all credit reporting agencies but its showing 3 late payments which is inaccu
Product: Credit reporting or other personal consumer reports

I have written multiple letters, requesting the removal of my payment history with my XXXX XXXX, XXXX XXXX car loan as it is illegal to report transactions history on my consumer report. This is also a violation of the privacy act. It is the Cfpb duty to inform my rights. My last response and investigation has taken over 3 months and I am repeatedly give the same generic response see complaint # XXXX it is illegal to report transaction history on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency XXXX refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to XXXX on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including transunion, XXXX, and XXXX as well as all the issuers of the fraudulent reported accounts. XXXX has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how XXXX is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can XXXX explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore, the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and XXXX is doing the complete opposite. I have attached a 3-credit bureau report which clearly shows that XXXX XXXX, and transunion are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these unauthorized accounts are not immediately blocked and removed, if authorized accounts are not updated with accurate payment history, incorrect personal information should be deleted immediately, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to XXXX but have yet to receive a response. Please find all proof attached below.
Product: Bank account or service

I applied for a CitiGold checking account XX/XX/XXXX. There was a promotion going on at the time that expired as the year did and I wanted to take advantage of it. I applied and was approved but had to call in a couple of times to get the account funded. Each time I checked to make sure I was " on time '' and still eligible for the bonus. And each time I was assured that I was. 

After that I worked hard to meet the requirements for the bonus. The timeline was pretty aggressive, so I had to rearrange many things to make the required bill payments and spend money on the associated debit card. But I did and in plenty of time. 

There now seems to be some kind of problem getting my awards. Citi has opened a case to research the issue, but it has been a couple of weeks now with no positive conclusion. I am told I just have to wait. Wait with a monthly fee due the XXXX of every month. 

I am due XXXX of XXXX XXXX miles which is the bonus they offered for opening the account and following their own rules. I followed the rules but now Citi does not want to do the same. This is not what I expect from a bank that holds my money. This is my only possible recourse to collecting what I am due.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file is a reflection of my identity been compromised, therefore not only are my accounts fraudulent but the following inquiries as well. I did Not authorize these inquiries, and I'm demanding that they be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX   XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX  XXXX 11 ) XXXX XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XX/XX/XXXX 14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX XXXX 16 ) XXXX XXXX XXXX 17 ) XXXX XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX XXXX  XXXX 20 ) XXXX XXXX XXXX XXXX XXXX 21 ) XXXX XXXX  XXXX 22 ) XXXX XXXX XXXX 23 ) XXXX XXXX XXXX 24 ) XXXX XXXX XXXX XXXX 25 ) XXXX XXXX XXXX 26 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr Cooper mortgage company set me up to fail from the beginning. They never sent a welcome letter or statement due in XXXX. I only found out when I called my previous mortgage to pay. They gave me a number to call and when I did, they told me my account was not set up yet and to call back next couple weeks. When I called back, this person told me to call a different number which I did and was told to register my account. When I proceeded to pay, it only allow me to pay XXXX so I called again and was told to just pay that amount and will even out next time but I said that I needed to pay my full amount and was told not to worry about it. XXXX came and again tried to pay but only allowed to pay XXXX and I called company again and was told again not to worry about it that it will even out next month so XXXX came and finally allowed me to pay full amount of XXXX which I did. I thought maybe it takes a couple months to even out so I didn't worry. After my XXXX payment, I found out that I was a late on my payments? but I said why didn't they tell me on my XXXX statement to pay all that was owe, why wait for the XXXX statement to say that I was late. I feel because of this company 's mistake and not taking responsibility for their mishandled of what was due, my credit score is being affected. I was not even given a chance to pay on time in XXXX because I never new they were my new mortgage company. I never received anything from them. Who does that?. Again why is this my fault? Now, my XXXX payment was on time and why is it showing that is was late?. I hope this gets fixed
Product: Money transfer, virtual currency, or money service

The incident first occurred on XX/XX/2021, I was manipulated, " scammed '' if you will into investing into the companies stated below XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not know these were not real or regulated companies the scammer that approached me online and pressured me to invest in them. 

I lost XXXX USD. 

The funds were trasferred from crypto.com into the scam companies.
Product: Credit reporting or other personal consumer reports

I believe the information being reported to be inaccurate. 

HEIGHTS FINANCE CORP XXXX Balance : XXXX
Product: Mortgage

On XXXX XXXX, XXXX, it was explained to my that my mortgage is in arrears due to the closure of bankruptcy. The company failed to explain once the bankruptcy claim was completed that an additional adjustments of {$200.00} was needed to recoup the monies that were paid during the financial crisis. Each month I would send in my mortgage thinking every payment was being applied properly to find out that the monies were adjusted to satisfy the rate during bankruptcy. 

I have had so many different grieves with this company dating back to XXXX. During that time the company applied something called Principal Curtailment starting at {$1000.00} and the monies grew up to the amount of over {$7000.00}. The loan is a projected as a predatory leading practices and I have written several officials both locally and state representatives. 

Each year their is a new issue with the payment schedule and I really need help and referred to a legitimate company with honorable practices. I have attached a few documents to provide an overview of the problems and attempt to satisfy any errors in the payment schedule.
Product: Debt collection

I was recently alerted to an account in collections to the sum of {$5000.00} ( est. ) that is not mine. In XX/XX/2020 I had the XXXX and went to the ER for XXXX and was released within a few hours. I received a bill of {$1200.00} after insurance coverage and paid it promptly. I never received any other bill but received scam-like calls asking for random and different amounts owed that were unprofessional and did not seem credible. Ive also received text messages and mail saying Ive been enrolled in a XXXX XXXX XXXXXXXX XXXX  ( XXXX ), and Ive absolutely am not in school for anything medical related, nor any other type of schooling. I believe my information was compromised during that visit to the ER and believe this debt is Fraud-related.