23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$1200.00}, XXXX XXXX XXXX XXXXXXXX {$160.00}
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2025, I purchased XXXX XXXX ( {$2000.00} ) on Cash App. When I attempted to send the funds from my XXXX wallet, Cash App asked for phone number verification. Upon entering my number, I received a message stating, This phone number cant be used for Cash App. Its been linked to activity that goes against our Acceptable Use Policy. I tried multiple phone numbers but continued to receive the same error message. 

On the same day ( XX/XX/XXXX ), I contacted Cash App customer support. The representative informed me that my phone number was flagged, but he couldnt explain why. I was told the best course of action was to open an appeal and investigation for my number. On XXXX XXXX, 2025, I received an email stating that my account had been deactivated and I could no longer access my account or its features. 

I called Cash App support again on XXXX XXXX, 2025, where I spoke to a different representative, her name was XXXX. She confirmed that my account was still marked as active despite the deactivation email. I was told I needed a valid phone number to withdraw my XXXX, but my number continued to be flagged. After several holds, I was informed that my number was previously linked to a now-closed account, but I had received confirmation that my number had been unlinked. 

Despite following up and explaining that I could not access my funds, I was told I could try adding another phone number, which I had already attempted with no success. I requested follow-up confirmation of the call and the actions taken, but I was told no follow-up email would be sent, and the representative could not provide details of the appeal process. 

As of now, my {$2000.00} in XXXX is stuck in my account, and I am unable to access or withdraw it due to my phone number being flagged. Cash App has not provided a clear solution or explanation, and I have received conflicting information from their support team.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. This debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ( XXXX XXXX XXXX XXXXXXXX XXXX and tell them the debt is the result of identity theft.
Product: Debt collection

This accounts appears on my credit report today. 
Its reporting that this account was opened in 2020 during convos. I never opened this account I want prove of debt and for them to remove this inaccurate fraud account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inaccurate statements on my credit report including several accounts that do not belong to me. Am I a victim of identity theft or is this a mistake? 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor = XXXX XXXX XXXX XXXX - {$200.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor Name = XXXX XXXX  XXXX XXXX - {$160.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor = XXXX XXXX XXXX - {$430.00} XXXX  XXXX XXXX XXXX - Opened XX/XX/XXXX - {$220.00}
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 unauthorized inquiries in my credit report. 
XXXX XXXX XXXX XXXX XXXX hard inquiry someone applies for a loan over the phone 2-Sams club  XXXX hard inquiry someone trying to get a credit card 3-PayPal XXXX someone trying to finance online 4-amazon XXXX someone trying to apply for a credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

Company name : VANCE & HUFFMAN LLC Im seeing two dates of : XX/XX/2021 & XX/XX/2021 In the balance of : {$920.00} I received an alert of this collection today XX/XX/2021 & quickly disputed because this is completely fraud & unfair! 
This company has reported to collections and decreased my credit score over XXXX points! I have absolutely no idea what this is & its definitely not from me. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVE a portion of the data in my credit file that came about because of a FRAUD yet I have information passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including an updated ID THEFT REPORT # XXXX once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Remove the following fraudulent information completely from my Credit File : XXXX, XXXX, B ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX - XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$850.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$5400.00} ; XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$4500.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Debt collection

My wife and I found several collections from Northwest Financial Services/ Midwestern Health Managment . We didn't know anything about the debts but they were all marked as a medical bill. I attempted to contact them via phone, but they were unresponsive. I have sent three requests for validation in both my wife and I 's name. We mailed them on XX/XX/2020, XX/XX/2020, and on XX/XX/2020. During that time frame, we sent letters to the credit reporting companies and all but three of the accounts have been deleted. But to this day, we still have not gotten any paperwork from the Collection Company. Since they are joint accounts, we filled out an FTC Identity thief report and sent that paperwork with a letter of explanation on XX/XX/2020. Again we get nothing back from the collection company but Northwest was able to respond to all three credit reporting companies that the debts were validated. I don't know what to do at this point. My wife and I are not responsible for these bills. And at this point, Since they refuse to respond to me, I guess my next steps are to contact my attorney.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. This account was included in my bankruptsy case discharged on XXXX XXXX. This account was transferred or sold, however is showing on my credit report under a different account XXXX XXXX XXXX XXXX XXXX Recently they added a balance owe as well.This is a form of XXXX to keep hurting my credit score. 

This is DUPLICATE account in my credit report that is causing double impact on my credit score. 

The personal information listed below requires attention as well. 

Inconsistence LAST DAY PAYMENT and LAST ACTIVITIES DAY are different on each credit berau, everything in my credit report have to be 100 % complete and accurate and those dates are inacurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've Sent Letters Made Phones calls to XXXX Experian and XXXX about some troubling items I found in my credit report I've begged for theses items to be removed immediately from my credit report. because it is affecting my creditworthiness and I feel like this is very unlawful and unconstitutional. listed below are the negative items affecting me. I've also included the letters i've sent to XXXX Experian XXXX that i know they received along with the ftc report their requested my proof of id and bill address are in the letters why are theses items being reported without my consent and knowledge. the companies job is to report fair and accurate imformation to my report and theses items are not. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

A purchase was made through XXXX and the goods were never recieved from the seller and tried with XXXX and was unable to get the refund. The XXXX was deducted from my Bank Of America Account of the amount {$97.00} in XX/XX/2020. The claim was made to both the organzations and with no positive favour on it. I want to have the full refund from them. Looking forard for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was open in XX/XX/XXXX or XX/XX/XXXX i made payments on the count ever month untill it was paid off. i was told the account was paid in full, i use XXXX XXXX and i noticed it was on there as a collections, try to resolve with the company with out any luck, they reported opened in XX/XX/XXXXwhich is untrue
Product: Credit reporting, credit repair services, or other personal consumer reports

Account paid. Reflect negative in my XXXX, XXXX and XXXX report. It unfair to be negative on my report when i was paid. I woould like to remove for all three all 3 credit of report XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX The above accounts are reporting on my experian consumer report illegally without my consent and violating the Family Educational Rights and Privacy Act. 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 ). These accounts are also in violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ). This law states that " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. '' I have not given the U.S. DEPARTMENT OF EDUCATION my written consent nor have i given EXPERIAN my written consent to report this information. Therefore I demand that the above accounts be deleted due to the fact that they are illegally reporting.
Product: Credit reporting or other personal consumer reports

Subject : Continued Reporting of Inaccurate Information by Credit Bureaus To Whom It May Concern, I am writing to file a formal complaint against the three major credit bureaus regarding their continued inaccurate reporting of my XXXX XXXX XXXX account, despite multiple disputes and requests for corrections. 

Account Name : XXXX XXXX XXXXXXXX Background : I have repeatedly disputed the inaccuracies in my XXXX XXXX XXXXXXXX account information under the Fair Credit Reporting Act ( FCRA ). Despite my efforts, the credit bureaus have failed to rectify the inaccuracies and continue to report conflicting and incorrect information. The persistent errors have severely impacted my creditworthiness. 

Inaccuracies in Reporting : Incorrect status Incorrect reporting Incorrect balance Violations and Relevant Laws under FCRA and FDCPA : 15 U.S. Code 1681e ( b ) : Accuracy of Report Credit bureaus must follow reasonable procedures to assure maximum possible accuracy of the information. The ongoing inaccuracies indicate a clear violation of this requirement. 
15 U.S. Code 1681i : Procedure in Case of Disputed Accuracy The credit bureaus are required to investigate disputes promptly. Their failure to correct the inaccuracies after multiple disputes is a direct violation of this statute.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion or Correction If an item is found to be inaccurate or can not be verified, it must be deleted or corrected. The credit bureaus have neither corrected nor deleted the inaccurate information.

15 U.S.C. 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies Furnishers , such as XXXX XXXX XXXX XXXX must conduct an investigation when they receive a notice of dispute and must notify all credit reporting agencies to which they provided the information if inaccuracies are found. 
15 U.S.C. 1681s-2 ( b ) ( 1 ) : Responsibilities of Furnishers XXXX XXXX XXXXXXXX , as the furnisher, is required to investigate disputes and correct any inaccuracies. Their failure to do so has resulted in continued reporting of incorrect information.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusions The term " consumer report '' does not include certain types of information, such as transactions or experiences between the consumer and the person making the report. The continued inaccuracies in reporting my account status and balance violate this provision.

Specific Violations and Harms : The credit bureaus failure to ensure accurate reporting and to correct inaccuracies upon dispute has harmed my creditworthiness. 
XXXX XXXX XXXX inaccurate balance reporting, potentially related to a charged-off debt and possible issuance of a Form 1099-C, constitutes a violation of accurate reporting requirements.
Product: Consumer Loan

The VW company does not provide a set date for payment. They change the date monthly on due date. I thought my payment was due on the XXXX of each month. I paid it 29 days late I thought so it would not affect my credit. I was told later, oh it was XX/XX/XXXX. 
this is not something people have time to do check monthly payment dates. 
they dinked my credit, even though they didnt have to. they do this in order to jack up the rate per month on your credit and to stop you from buying a car, making it difficult.
Product: Payday loan, title loan, or personal loan

Although I provided continuous coverage and showed proof of such forced coverage was added to my account.
Product: Payday loan, title loan, or personal loan

I took out an installment loan on XX/XX/XXXX with this company and they are charging astronomical fees to the point that I can not keep up with the payments any longer. I borrowed XXXX, made a XXXX payment early on XX/XX/XXXX. XXXX days after the date I received the loan. That brought my balance down to XXXX. I requested that they stop any automatic charges to the account and they confirmed that same day ( XX/XX/XXXX ) that they revoked future XXXX transactions. Today, XX/XX/XXXX, they debited my account XXXX dollars for the installment payment. I have a screenshot of that conversation. The amount still owed today even after that payment is showing as {$2800.00}. That means that after 24 days of receiving this loan, I would have paid them XXXX and still owe {$2800.00}!!! That is an unrealistic amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my Experian credit report and found inquiries I did not authorize from XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX ... Experian has not given me written documented proof I consented to these hard inquiries as required per section 605 and  section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act.
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 Experian 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 a personal credit card account opened at Applied bank on XXXX XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal credit account opened at XXXX on XXXX XXXX under the account number ( private ), A personal Credit account at XXXX on XXXX XXXX, A personal Credit account at XXXX in XXXX XXXX and collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief )
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion via the website the CFPB directs us requires users to create an account with them to correct inaccurate data- my birthdate is inaccurate by 7 years. Why should I have to create an account w ith a 3rd Party  who reports on my credit without my consent in order to fix their inaccurate information in order to get it fixed.   A secure system through the CFPB should be available to allow simple corrections of this nature to be submitted without creating an account with each of these  XXXX  outfits.
Product: Credit card

Chime credit card advertise, that it will help boost your credit. In fact it does the opposite. It harms your credit before boosting your credit. They do not state in the terms or conditions that you would take a great hit while applying for this card as well as closing this card after finding out Its advertising quote boost your score, was false. Now Im being penalized for their false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING PROBLEMS GETTING THE CREDIT BUREAUS TO UPDATE AND CORRECT MY CURRENT ADDRESS AND REMOVING ADDRESSES THAT ARE LINKED TO MY IDENTITY THEFT CASE.
Product: Mortgage

My account was moved from Ditech to XXXX on XXXX/XXXX/XXXX and I submitted my XXXX payment in 4 payments for XXXX. I called twice a day to ensure they gave me credit for XXXX/XXXX/XXXX. All documents sent to XXXX to find them in un applied funds and an escrow account. Di tech undermines the home owners and lie and cheat do we can go into forclosure
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card 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. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FRCA The Term Investigate consumer report Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/2024. Old information pass seven years ago are still appearing on my report and decreasing my score. I have contacted Equifax