23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against XXXX XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. Account : XXXX XXXX Account # : XXXX XXXX XXXX : {$430.00}
Product: Credit reporting

I have sent Equifax proof several times how XXXX XXXX has been ( for over 3years ) falsely report to companies that I have late payments from 30-120 days late yet I was granted a deferment for these XXXX account ( total ). 
Equifax is avoiding my request by keep sending me a letter staying they were unable to honor my request because This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly and that additional information has been provided from the original source regarding this item. 
This is what Equifax keeps sending me everytime I try to have them investigate those XXXX total XXXX accounts that 's currently being falsely report late payments of 30-120 days late years after I was granted a deferment. 
please show Equifax the attachment deferment ( letter ) that was granted but yet never honored by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX Credit Bureau is reporting inaccurate information on AMER FST FIN. I tried contacting the XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw that Experian and XXXX report my auto lease as delinquent. I verified my payment history and all payments are made on time and in full amount. 

Yesterday I called XXXX XXXX XXXX to validate this report and they told me that in their systems no such record of delinquency exist. 

My wife score dropped with more than 60 points as well as mine. We are suffering consequences of this actions and would like to request your help investigating where Experian and XXXX get their data and how and why they report false information and ruin our financial standing. 

Kind regards, XXXX
Product: Credit reporting or other personal consumer reports

I successfully got my credit report from XXXX and XXXX online via the website XXXX yesterday XX/XX/XXXX. However I could not get my credit report from Experian. I kept getting an error webpage ( see screenshot attached ). 

So I called the number given on the Experian website, XXXX, but their automated phone menu has bugs/errors and it could not complete my request. The number they give there is XXXX XXXX 

I did not send in a request form by mail because it required that I include my Social Security Number, which I did not want to put in postal mail. I decided to file this complaint instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft. Checking, savings and {$35000.00} personal line of credit opened in my name at XXXX XXXX XXXX in XXXX early in XXXX this year. I received letters with my new account number and PIN. I contacted XXXX and filed a complaint. No loss of money occurred. I have not heard their response yet but their Fraud division suggested I file a complaint with the FTC. I suspect it was online enrollment. Since the letters were sent to my home address in western Missouri, I am wondering if it was someone local who then planned to steal letters from my mailbox. I filed a report with my county sheriff.
Product: Debt collection

XX/XX/2016 {$250.00} This debt is not mine and I am not sure where it came from.
Product: Debt collection

MY DEBT WAS CHARGED OFF BY XX/XX/XXXX BANK OVER A YEAR AGO. 
They call me over XXXX times a day while am at work. I READ its againts the LAW for a collections company to try or collect money from me. That has been charged off by original creditor.
Product: Checking or savings account

On XX/XX/XXXX I rented a car from the websight XXXX. They provided me a rental car through XXXX. I prepaid the amount of {$390.00}. * While on vacation in The XXXX XXXX area the car suffered a flat tire. 

I called the Customer assistance number several times over the course of two hours without answer. The car did not come equipped with a jack or spare tire. 
When I finally reached roadside assistance at XXXX they explained COVID created long wait times and to change the tire myself for faster service, then take the car to any XXXX for exchange. Because it was late Saturday/Early Sunday there were no local XXXX locations open. At this point the vacation was over and ruined. 

My only option was to call my roadside assistance and purchase a spare tire for the car. The emergency tire can only go 50 miles. I was more than 300 away from home. The closest XXXX was closed on Sunday. I opted to have the car towed at my expense back to XXXX XXXX ( my home ) and I turned the Car into the XXXX  rental car on XXXX XXXX on Monday night the XXXX. This was the soonest the tow company could schedule. My contract had to be extended one day over through phone through the automated system. It would not allow me to speak with a human. I contacted the manager of the XXXX XXXX XXXX ( I can provide timestamped cell phone records ) who was unhelpful stating there was no after hours drop box. The representative we spoke to earlier made no mention of timing in dropping of the car. Timing was dealt with by the tow company. 
The following witness ( s ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are all responsible parties who can testify to the drop off of the car on the XXXX. 

A few days later I was notified by Chase bank that a fraudulent charge was attempted on my account in the amount of {$2100.00} by XXXX rental car. They closed my account and sent me a new debit card. After receiving a new account number and debit card number, another charge in the amount of {$2100.00} was authorized on my account without my authorization, signature or knowledge. 

A dispute was opened by Mr. XXXX and he was granted temporary credit. However without a chance to explain his side or present witnesses or evidence his dispute was overturned. What car rental is {$2100.00} for three days? Also in confined suspicious activity on XX/XX/XXXX Mr XXXX account was fraudulently charged {$490.00} by XXXX rental car. Mr. XXXX never provided XXXX XXXX rental car with his new account or bank account information. This is the reason we are filing this complaint against Chase who is unlawfully allowing oitside corporations access to the funds of their customers who they are entrusted to secure the finances required for the means of food and shelter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Consumer Loan

I was approved for a personal loan for {$12000.00} with One Main Financial. I asked about a receiving a lesser amount and reduction of the term of the loan from 48 to 24 months. I was supposed used my car title as collateral which was fine. The loan officers for the local branches provided unsubstantiated information in regards to the exact amount they wanted me to agree to and pay debtors on my behalf. I questioned why they chose which debtors are paid without looking at my entire financial portfolio. Why ca n't I choose which debts to pay that will reduce my overall monthly bills? I am responsible for this loan and this will not help my financial situation, especially at 22 % interest and title to my car. I do n't believe the what the two loan officers said was true. When I called the main corporate office I was told the loan application and amount is at the discretion of the local branch who processes it. I declined their terms but I feel the advertising is very misleading to consumers and the corporation seem to employed untruthful, misinformed workers to represent them.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX Incorrect DOB : XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit card or prepaid card

PNC has withheld funds now for 2 1/2 years. They continue to send me statements and even a new debit card. I have since moved. It does not take three years to investigate an account.
Product: Debt collection

My wallet and identity was stolen after losing my wallet that included my drivers license, social security card, with debit and credit cards also. Below are the fraudulent accounts and fraudulent Inquiries. 

FRAUDULENT ACCOUNTS AND INQUIRIES DUE TO IDENTITY THEFT ON XXXX. THEY ARE AS FOLLOWED ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payments reporting and the accounts arent late
Product: Student loan

Applied for a student loan with Sallie Mae with a cosigner and was denied. Was sent loan documents after denial to sign that appear as if I was approved. Those documents include promissory note, which is a legally binding documents and signed a disclosure. When I called to speak to upper management about this I was first told she had never seen this happen before, second time I spoke to hear she stated that it was the general process to sign legal binding documents stating the loan was approved before being approved. I asked for an explanation that made sense and was just told that I was denied.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulatio
n E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
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. 


Account Name : DEPTEDXXXX XXXX XXXX  Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I send in disputes letters to experian, TransUnion, and XXXX. It is XX/XX/2023 I still have not heard anything from the credit companies and it been over 30 days. I also send a 30 day demand letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no option for my complaint. Below is my belief in wrong doing. 

I am XXXX XXXX military. As such, I deploy and move constantly. Which I have to get a new place every time, usually about every year. With that being said, I have to get my credit pulled for housing, cable/internet, power, phone etc. every single time. The general population/ consumer, do NOT have to do this as they do not move nearly as much as military personnel. I do not believe this is fair to me, nor any other military service members. Our credit is affected tremendously because of this and believe this should not negatively impact our credit. PLEASE review my credit history. I have NEVER been late on any payments, but since I have a ton of inquiries, it is hurting my credit score.
Product: Credit reporting or other personal consumer reports

On around XX/XX/2024 I've been attempting to remove information that is related to identity theft in fraud activity. Information that the conns furniture has on this account number is incorrect I do not have any business with Conn 's furniture. 

XXXX Account Number. I'm also found a complaint with attorney general 's office of the state because this is fraud. 

XXXX Account Number. Reflecting on my credit file.
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. 

Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX, Account name:XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX, Account name:XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account name : 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: Debt collection

I have reported them last week about disputing this and yet they said me this on the mail again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed 6 late payments entries with all 3 credit bureaus XXXX, XXXX and experian for XXXX XXXX XXXX after they failed to update my credit file. I had 6 late payments with XXXX XXXX XXXX due to losing my job during the pandemic. I reached out to XXXX XXXX XXXX and the XXXX  XXXX  XXXX  and XXXX XXXX XXXX agreed to mark 5 of the 6 late payments to neutral for the 5 late payments for XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. The changes reflected in XX/XX/XXXX. On XX/XX/XXXX when I checked my credit it showed I had 19 late payments which is completely incorrect. This incorrect information dropped my credit score by 100 points.
Product: Debt collection

In my last communication with TRANSUNION, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as such, I am requesting that the following accounts and inquiries be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX  {$780.00} Fraudulent Inquiry to be blocked and deleted : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account number XXXX. I have disputed this account previously. It was proven to not be my account. This account is reporting negative information about me monthly through XXXX and Equifax. Which is inaccurate, unverifiable, invalid. It was last reported on XXXX XX/XX/XXXX, when in fact the credit report shows it has an last active date was XX/XX/XXXX. It was last reported on Equifax XX/XX/XXXX, when in fact the credit report shows it has an last active date was XX/XX/XXXX. There can only be XXXX last reported date and one active date which violates XXXX XXXX Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer to whom the credit report relates. XXXX has no record of this account. The credit reports that I have provided prove that this information is inaccurate and incomplete. Please remove this account from my report immediately. Thanks for your help with this matter.
Product: Debt collection

On XX/XX/2022 I was notified by the XXXX XXXX XXXX and Identity Theft Department that Bureau of Medical Economics had filed a negative collection report against me with XXXX. I contacted and completed the XXXX fraud and identity theft documentation followed by emailing through this company 's website that they were falsely making judgment and negative claims against me. I went on to explain that this was an accident injury case that was in litigation and that all medical providers agreed to a medial lien in pursuit of my sons compensation from the insurance company of the defendant. Furthermore, our law firm contacted XXXX and told them they had 24 hours to remove the negative claim against their client or we would file a suit against their company. The attorney went on to explain that it is unlawful to begin with to file a negative claim as a third party citing the Consumer Fair Act and that once again, unless they remove this immediately they would be at risk for a lawsuit.