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

Hi I have an charge off account from XXXX XXXX XXXX  reporting on my Experian and XXXX  reports. The charge-off is reporting as 29 charge-offs on The Experian Credit Report and does not report the same on XXXX Credit Report. 
Charge off means the company deemedmy alleged debt as uncollectable and written it off their taxes. It should not be reporting as a charges off 29 times because the only written off the debt once. 

Experian reports also state that I have made 100 % payments on time and is not reporting the same on XXXX. 

For the XXXX  Credit report it stated that the payment history is unknown. 

I talked to a rep from both companies ( XXXX XXXX XXXX and Experian ) both are pointing the finger at the other for this misinformation. 

Please delete this from my account due to information being reported incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I placed credit freezes on all my accounts with the 3 credit reporting bureaus. After becoming a victim of the NYS unemployment fraud in XXXX, I added fraud alerts to the XXXX accounts. I had particular issues with Transunion because their website insisted my personal info. was wrong. I finally received a credit report and they had a typo with my birthdate which caused the issue when I was trying to take care of things online. I had to send various forms of ID and verification to prove what my birthdate was. That's fine but it was their typo that caused the issue. Every single time I try to log into my Transunion account to extend the fraud alert, I have problems. I log in OK without issue. I select the fraud alert option and it takes me to a page that says they are having difficulty with this and to try again later or to contact them. It's impossible to locate the phone number to call to speak to someone who can help. Instead, the only visible number is for website assistance but they can't help with fraud alerts. I end up speaking- and giving personal information out to - different people who can never help me until finally I am directed to the correct dept. Everyone is foreign speaking and difficult to understand. As an ID theft victim, it does not instill much confidence in me that my info is safe and protected. I should be able to set a fraud alert in my account without such a problem. It should be easy to do. Every year it is the same thing with Transunion. Then after you are thoroughly aggravated with them, they try to push you into purchasing their credit monitoring services. Transunion is the worst out of the 3 as far as website and service. XXXX and XXXX can't seem to keep our personal data protected with all their data breaches. The entire credit reporting business is such a scam.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 c. ( 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: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting the incorrect balance to XXXX XXXX XXXX XXXXhowing on my credit report. Please have XXXX XXXXXXXX XXXX do an Validation fo Debt.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801.

Under the Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) All credit bureaus are in violation of both laws by reporting education records on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was breached in spring XXXX. A Fraudulent credit account for {$400.00} was opened by XXXX bank. I discovered this in XX/XX/XXXX when pulling a credit report. I contacted XXXX Bank immediately but they withheld information and were uncooperative. They completed their own internal investigation and found nothing wrong. This fraudulent account continues to negatively impact my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/2022, in sending out of the dispute on items on my Experian Credit File. I received a credit report by mail on XX/XX/2022. Of the items disputed on report were, XXXX XXXX Acct # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX,. Upon reviewing my report. I noticed first of all the mispelling of my fist name of XXXX XXXX, as XXXX XXXX. Which was incorrectly spelled, I have had numerous problems with Experian making errors on my report. I also noticed on the front page just below my nameof 2 accounts that I had disputed, I noticed in writing below account XXXX, acct # XXXX, and XXXX XXXX XXXX acct # XXXX. Below these 2 accounts a statement of " DISPUTED ITEM NOT LISTED ON CREDIT REPORT. when in fact the accounts were listed. And also the other accounts i disputed were listed on my report XXXXXXXX XXXX, and XXXX. I request that all disputed accounts be deleted from my credit file. Per the FCRA, laws as it pertains to verification, and 100 % accuracy of accouny information. Which was not the case with my Experian credit file ... ... ... ... see attached copy of credit report displaying inaccurate statemnt of accounts disputed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

A XXXX XXXXXXXX XXXX was purchased from XXXX XXXX. The original purchase was done online. I never until months later received a copy of the contract. It was finally sent to me from the lender Credit Acceptance. Upon viewing it I noticed some discrepancies. I spoke with customer service and informed them that I had not signed the contract. Also there was insurance warrantly added on that was not bought to my attention. Credit Acceptance asked me to send in my signature written 4 times. After doing so I was told that it was my signature. It was a easy way out for them because they didn't want to deal with it. I also spoke with a representative from Credit Acceptance that told me the insurance/warranty would be good to keep. Upon trying to use the warranty with XXXX they said that there was none that they could find
Product: Credit reporting or other personal consumer reports

letter from Global Lending that I applied for a car loan? I did not .... I called them they said it was me and XXXX XXXX XXXX AND XXXX gave credit information which I have a FRAUD ALERT AND SECURITY FREEZE I ALSO HAVE HAD identity THIEFT someone is trying to get a loan in my name ...... 
This has happened before and I have police reports and car loan inquiries removed from my credit reports plus Police filed reports I am XXXX and have a XXXX for my car which I only lease from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted XXXX  and Equifax regarding multiple inquiries listed on my credit report that I do not recognize. I contacted both agencies multiple times between XX/XX/2018 and XX/XX/2018. Both agencies refused to investigate the inquiries, stating that they do not have any obligation to ensure the accuracy and legitimacy of inquiries listed on the reports maintained by their respective agency. I was directed by both agencies to contact the companies making the inquiries. I did so and was instructed by them to contact the reporting agencies as it was their responsibility. I reached out to XXXX  and Equifax again, this time requesting documentation showing that the inquiries were compliant under the FCRA and both agencies said they could not provide me with that information. They also told me again to contact the individual companies making the inquiries to dispute the information, and that I could not dispute the information with XXXX  and Equifax.
Product: Money transfer, virtual currency, or money service

I am finally a complaint against cash app ( BLOCK, INC. ) DUE TO INADEQUATE CUSTOMER SERVICE AND UNFAIR PRACTICES WHICH FELL LIKE THE CUSTOMER FINANCIAL PROTECTION ACT SPECIFICALLY XXXX FAILED TO TALK IN A TIMELY MANNER AND EFFECTIVE MEASURES TO PRESENT AN ADDRESS OR PHONE NUMBER WHICH IS CONSIDERED FRAUD UNDER A PLATFORM LEAVING MY ACCOUNT VULNERABLY UNPROTECTED FURTHERMORE THEIR DISPUTE RESOLUTION PROCESSING WAS UNFAIR AND DECEPTIVE. AS THEY DID NOT COMPLY WITH AN ERROR RESOLUTION REQUIREMENTS UNDER THE ELECTRIC FRAUD TRANSFER ACT THESE ACTIONS HAS COST ME FINANCIAL LOSSES AND INCONVENIENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discoveredt the following unverified inquiries. The 3 credit bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The cause remains unknown to me, but what's definite is that this investigation wasn't permitted by me and was undertaken by the creditor without my consent! Prompt removal is required.
Product: Credit reporting or other personal consumer reports

Equifax credit reporting is currently unwilling to unfreeze credit file with them so I can apply for a new credit card. Called customer service and stated I wanted it unfrozen from XXXX to XXXX and was told it would happen next. Online portal is broken, and customer service guaranteed report would be unfrozen but it is still frozen even after agent said it would be unfrozen. Unable to apply for card due to this.
Product: Debt collection

After carefully going over my current credit report, I noticed multiple accounts that I believe were wrongly included and added without my consent.
Product: Debt collection

This current account has been reported 45 times with different collection companies all of them have failed to validate the account in this company it 's written starting the account one more time and if it legal under the Federal Credit Reporting act.
Product: Credit card or prepaid card

Goodyear closed account due none use of available credit ; contacted and explained that system does closing automatically. However, never notified either electronically or US Mail ; no notice in any prior agreements of this practice, furthermore, I fine this practice to be Discriminatory based on the system review of XXXX score and or other identity profile information such of Race and Veteran status.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to dispute inaccurate information appearing on my credit report regarding the following accounts : XXXX Bank Account : XXXX XXXX XXXX Bank Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX While reviewing my credit report, I noticed discrepancies in these accounts that are not accurate or complete. I am requesting a thorough investigation of each of these accounts pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( i ) which outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information in their credit report. Essentially, the law requires these agencies to conduct a reasonable investigation to determine whether the disputed information is accurate. If the information is found to be inaccurate, the agency must delete it from the consumer 's file and provide the consumer with a corrected report. 

I would like to request that any inaccuracies found in these accounts be deleted from my credit report upon completion of the investigation. 

Please provide me with a written confirmation of the receipt of this dispute and an update on the status of the investigation within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

We were informed of a tax increase earlier this year. I called right away and submitted the new tax bill to Lakeview Loan Service who services our mortgage. I was informed by the customer service representative that Lakeview would take the document and open an escrow analysis right away and adjust our mortgage to reflect that. Recently I received our annual escrow analysis, and it showed a negative estimate of {$3000.00} in the account. Lakeview never performed an escrow analysis like they had told me they would, and now have raised our mortgage by over {$500.00} to account for their mistake. I have all the information needed and that they requested from me, and they still failed to complete the proper steps. Our mortgage should have only increased by approximately {$200.00}, and our escrow account should be even.
Product: Credit reporting or other personal consumer reports

I am seeking assistance with addressing some negative items currently showing on my credit report. I have previously provided the necessary documents, including the XXXX specific documents, dispute letters, and details regarding the accounts I wish to be removed.
Product: Checking or savings account

I have an issue with Bank of America and there " Keep the Change, '' promotion. I was told to keep a savings account open to keep the change from my checking account. I was told that as long as I had {$300.00} jointly between all accounts I wouldn't be charged fees since all my accounts were bill linked. After looking at my account on XX/XX/2018 I noticed a negative balance with $ 5 monthly maintenance charges going back to XX/XX/2016. 
I would have just as easily closed the account but was told by a Bank of America customer service rep at a branch that it wouldn't cost me anything to keep it open. 
I spoke to customer service XX/XX/2018 to close the account due to deceitful banking practices. I was told one thing but treated another. The customer service rep credited me {$5.00} and than was told to close the account. 
I have been a Bank of America consumer for over 20 years. It pains me that an organization could put 100 % of the blame on the customer. I do hold myself somewhat accountable for not monitoring my account 100 % of the time and putting 100 % trust into Bank of America. Bank of America is liable for the initial conversion and answers to my introductory questions to the account. If I had been told originally of the underling problems that would have persisted, I would have closed the account back in XX/XX/2016.
Product: Credit reporting or other personal consumer reports

Westlake be ask to validate debt an removal, went to civil litigation an finak judgement was dismissed.
Product: Credit reporting or other personal consumer reports

Exifax and XXXX refused to remove inaccurate information from my credit reports on several occasions even after documentation was provided of the inaccuracy. Hence creating an obstacle and personal hardship due to an inaccurate credit score.
Product: Credit reporting or other personal consumer reports

As a living woman, I have been illegally impacted when it comes to my credit report and the reporting of negative items on my report that I never gave consent to those proceedings in the first place. It is my understanding that according to FCRA creditors must have accurate information reporting and also obtain my permission as a consumer before reporting. This has not been done and my privacy rights have been violated. 

Account : XXXX, Account # XXXX, Amount : {$130.00} Account : XXXX, Account # XXXX, Amount : {$130.00} Account : XXXX / XXXX, Acount # XXXX, Amount ; {$1000.00} Account : XXXX, Account # XXXX, Amount ; {$990.00} Account : XXXX XXXX, Account # XXXX, Amount : {$400.00} Account : XXXX XXXX  XXXX, Account # XXXX, Amount : {$940.00} Account : XXXX, Account # XXXX, Amount : {$1500.00} Account : XXXX, Account # XXXX, Amount : {$2000.00} Account : XXXX  XXXX XXXX, Account # XXXX XXXX Amount : {$620.00} Account : XXXX XXXX, Account # XXXX XXXX Amount ; {$900.00} Account : XXXX, Account # XXXX, Amount : {$940.00} Account : XXXX, Account # XXXX, Amount : {$580.00} Account : XXXX XXXX, Account # XXXX, Amount : {$4300.00} Account : XXXX XXXX, Account # XXXX, Amount ; {$2300.00} Account : XXXX, Account # XXXX, Amount : {$390.00} Account : XXXX, Account # XXXX, Amount : {$1200.00} Account : XXXX, Account # XXXX, Amount : {$1000.00} Account : XXXX, Account # XXXX, Amount : {$1000.00} Account : XXXX XXXX, Account # XXXX, Amount : {$2000.00} Account : XXXX XXXX, Account # XXXX, Amount : {$780.00} Account : XXXX, Account # XXXX, Amount : {$2400.00}
Product: Credit reporting or other personal consumer reports

I noticed that on XX/XX/23, there was hard inquiries made to MY CONSUMER report without my consent from either XXXX or XXXXXXXX XXXX XXXX XXXX. I first noticed the inquiry on XXXX, and have since filed a CFPB report, FTC report and Identity theft report against XXXX and TRANSUNION AS requested. Now, I see this is also on MY TRANSUNION report. All unauthorized and adverse actions taken against me by all 4 companies is given a pattern of unfair business practices and racketeering against me the CONSUMER that the consumer report relates too. None of these companies have validated or verified any information with or for me.
Product: Checking or savings account

Respectfully request refund of illegal overdraft fees from Navy Federal Credit Union IAW the latest case from the CFPB against Navy Federal Credit Union. For the effective dates ( XXXX ) my account had multiple overdrafts, many of which were illegal according to the case. I am not able to access my statements prior to XXXX. I can only provide annual statements for XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

LexisNexis and XXXX continues to report incorrect information on my consumer report. My name is XXXX XXXX XXXX there should be no other name variations on my consumer report and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX any other address is incorrect and should be immediately removed. LexisNexis is required under FCRA to report accurate information or face penalties.
Product: Credit reporting or other personal consumer reports

i recently review a copy of my credit report and noticed i had fraudulent account on my report please remove these accounts from my report its hurting my ability to abtain creditt
Product: Credit card or prepaid card

This company practices predatory loan tactics. I am cover under the service members relief act however, they raised my interest rate from 0 % to 30 % in a pandemic. They stated the promotional rate back charged me interest from 18 months ago. This was over {$2700.00} in interest. When I told them I had lost my job and talked to the company in XXXX due to the pandemic the representative XXXX laughed at me, and told me their was nothing he could do. And I should read next time. 30 % interest should be against the law! Please outlaw these practices.