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

Went on Equifax website XXXX/XXXX/XXXX to enroll for free 1 year TrustedID XXXX protection offered by the company. Received acknowledgement that enrollment date was XXXX/XXXX/XXXX. 

Enrolled on XXXX/XXXX/XXXX and waited for acknowledgement email to activate product. Did not receive any notification so contacted Equifax by phone on XXXX/XXXX/XXXX and was told that due to the number of people involved, it was taking longer than anticipated and to wait a bit longer. 

Received an activation email on XXXX have tried to activate the product for past 3 days but each time I received a message that the system was unavailable. The initial attempt on XXXX/XXXX/XXXX asked for my birth date which I provided and from that point on I received messages that the system was unavailable. 

Contacted Equifax by phone on XXXX/XXXX/XXXX, explained the problem. I initially was told that the system was experiencing problems due to heavy use and to keep trying. Then I spoke with XXXX XXXX who said I 'd have to re-enroll because my name was not in the system. I questioned that since I received an enrollment date and an activation email. Both had to reference my personal information on the system in order to do that. 

I then spoke to XXXX XXXX who said that I should try again tonight. I told her I tried repeatedly at various times of day and night for the past 3 days. She also said my name could n't be found in the system but that the system was having problems. I than asked her what the problem was, is it a system problem or is my information not in the system because I 've been told both. She could not provide an answer. Her only suggestion was to try again tonight. I told her that was unacceptable and I 'd report the problem to the CFPB.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX XXXX inquiry : XX/XX/2023 Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2023 Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to once again, inform the Credit Reporting Agencies that I was a victim of identity theft and this is another request to remove the fraudulent information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any information not later than 4 business days after XX/XX/2022. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Once again, please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX po XXXX XXXX O XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. This CFPB complaint is to notify the Credit Bureaus that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for your willful noncompliance.
Product: Mortgage

Loan Officer directed Buyer and Selelr to schedule a closing for XXXX XXXX. Closing is scheduled. TCF bank has not answered phone calls or responded to emails regarding the status of borrower 's loan application for more than two weeks and closing is now 2 days away. Loan may possibly have been denied at underwriting level but since TCF is not corresponding / communication with buyer or buyer 's lawyer, we can not know for sure. Buyer is about to default on contract for purchase of property due to lender 's refusal to share this information
Product: Debt collection

Settling a complaint that was filed against me in the XXXX Judicial District Court of XXXX County, State of Utah, XXXX XXXX Department. Case : XXXX, Judge : XXXX Plaintiff : XXXX XXXX XXXX XXXX   Attorney for the Plaintiff : Gurstel Law Firm , P.C . 
Phone : XXXX File : XXXX On or about XX/XX/2019 I spoke, over the phone, with Gurstel Law Firm, XXXX XXXX About a settlement. I made an offer and she said that she would submit it. 
She called me back on the morning of XX/XX/2019. With a different settlement offer from Gurstel Law Firm of {$7500.00}. To be paid in monthly payments of {$310.00} for 24 months. 
I agreed to it. Received a stipulation of what was discussed. I signed and returned it via mail on XX/XX/2019. 
After not hearing back from Gurstel, and wanting to insure that the issue was resolved. I went to the court house and looked up the case. I'm including a copy of what I discovered. The settlement amount was changed, After I signed the document, to read {$11000.00} This is a two page document. I signed the back page. Then the front page was switched out to reflect a much higher amount. Then submitted to the court. 

Please compare the quality of the printing of the front page to the back page. They're obviously from two different documents. Pieced together. 

Notice how the required payments of {$310.00} X 24 months = {$7500.00} {$310.00} does not come out evenly with {$11000.00} ( {$11000.00} Divided by {$310.00} = XXXX Months I'm withholding payments until a resolution is reached through either your office, or the court after Gurstel Law Firm reopens the complaint due to noncompliance. 

Can I get a copy of transcripts from my conversations with Gurstel Law Firm?
Product: Checking or savings account

I just recently started a new job in XXXX that partners with a company called XXXX to pay a percentage of their employees transportation fees. In order to take advantage of this you are required to create an account with XXXX and link a debit card with it. On Friday, XX/XX/XXXX, I tried to do this online but wasnt able to as I was prompted with a Capital One is blocking you from enabling external applications So I tried calling customer service at Capital One to resolve the problem but came to no avail. The representive didnt seem to understand the issue I was presenting to him. and I dont blame him, Im not entirely sure how to fix it or why its an issue at all- whether I should call and speak with a representive at XXXX or a different department/associate at Capital One, Im not sure. I tried again today to link my account with my debit card and was given the same message as before, but when prompted Im only given an option to either call Capital Ones customer service line, XXXX  Capital One, or write a complaint here at CFPB. I tried calling with no luck and I dont use XXXX so ... anyway I hope someone can help soon. XXXX subway fare can really add up.
Product: Credit reporting, credit repair services, or other personal consumer reports

What the XXXX is wrong with you people? I sent you a letter requesting to fix your errors on XX/XX/2021 but its been over 2 months now and still got no reponse. I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. What the XXXX is this???? This is utter negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.
Product: Credit card or prepaid card

Grain is set up to automatically draft out the payment when its due. Because it was going through a new integration due to it merging with another company it did not do it on time. It said it would post on Monday XXXX but the payment was set up on XX/XX/28. The payment was automatic, set up in advance, and now is showing a late on my credit report due to some technical glitch within their system. I have reached out to them several times with no response. The payment was made, my account is at {$2.00} with them yet they are still reporting it as late due to their own technical difficulties.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently two installments loans reporting on my credit report from XXXX XXXX. Both these loans are paid in full and showing a balance owed. 

Date : XX/XX/XXXX Lessor : XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Agreement Number : XXXX lease Was paid in full as of XX/XX/XXXX Date : XXXX  - Lease Agreement with an Option to Purchase XX/XX/XXXX Lessor : XXXX, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Agreement Number : XXXX lease Paid in full as of XX/XX/XXXX
Product: Debt collection

I was contacted at my place of employment on XX/XX/18. I answered the call and they asked for me directly. I indicated that they were speaking to me and the indicated that this was personal business matter. I informed them that they could not contact me at my place of employment regarding personal business matters. The company is Reliant Financial Solutions and the phone number calling me at work is XXXX. They also have other numbers as well but this is the one that called me at work. They have been calling me multiple times per day on my cell phone number but will not leave a message.
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. 
Southwestcredit  # XXXX and XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report.

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very serious that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain financing.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX {$560.00} sent to the wrong recipient on Cashapp. 
I sent {$560.00} to the wrong recipient on Cashapp, the money was for my car payment. I emailed cashapp and they told me they couldn't do anything about the money that it was just lost money and I wouldn't get it back. I tried everything even contacted my bank and no luck getting the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the bureas have violated my right by reporting payments on credit accounts on my consumer reports. 

Account : XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX The bureaus have violated my rights. I have the right to privacy and a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

This is against the law and violating my rights. I need these late payments removed from my consumers report immediately as it doesnt follow the FCRA or any laws in that matter. Being that its against the law i know i can take legal action.
Product: Credit reporting or other personal consumer reports

Tranunion is reporting that I have a delinquent account with XXXX XXXX XXXX XXXX, this account as been paid and they are still reporting it as delinquent on my credit report
Product: Debt collection

I am filing this complaint to formally request the removal of a collection account from my credit report, which has been placed by LVNV Funding LLC. The basis of my complaint is that LVNV Funding LLC is not licensed and bonded to collect debts in the state of Georgia, where I reside. 

According to XXXX state law, debt collectors must be properly licensed and bonded to engage in debt collection activities. LVNV Funding LLC has failed to meet this requirement. As such, any attempt by them to collect a debt from me is unlawful and in violation of state regulations.
Product: Credit reporting or other personal consumer reports

I have a Bankruptcy Reporting on my Credit Report that is reporting inaccuracies, The XXXX  XXXX that was filed is incorrect and the Dates is incorrect, I will be sending Documentation of correct information from my attorney and I will like this inaccurate information deleted immediately because I have tryed to fix this and the issue has not been fixed and all my rights are being violated due to the FCRA, The Bankruptcy is Ref # XXXX
Product: Credit reporting or other personal consumer reports

A recent credit report revealed an inquiry from Prosper related to a loan application and subsequent cancellation from an unknown source. Upon contacting Prosper, I was informed that the application had been canceled, seemingly because Prosper determined it was not a legitimate transaction. I became aware of this issue after receiving several loan confirmation emails from Prosper, which were flagged as spam by XXXX. On XX/XX/year>, I received another email from Prosper confirming the loans cancellation. This prompted me to review my XXXX  and XXXX XXXX reports, which confirmed that Prosper had indeed conducted a credit inquiry. However, I did not initiate this loan application. 

Separately, XXXX XXXX informed me that someone had attempted to use my personal information to access one of my accounts. Although this account is not my primary account for transactions, it was linked via XXXX, a technology platform that enables financial institutions to access account data through authenticated connections. The unauthorized activity involved correct account information, my phone number, and email, indicating access from an unauthorized device. While I have already secured my accounts, XXXX confirmed that this was an account takeover attempt. The compromised account could potentially have been used to process bank transfers if the fraudulent Prosper loan had been approved. 

Despite my inquiries, Prosper has been unable to provide further details, as they could not locate me in their customer database.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to your letter dated XX/XX/ regarding my complaint about the inaccurate and incomplete information on my credit report for the account listed below : Account Name : XXXX XXXX  Account Number : XXXX I appreciate the efforts made to reinvestigate my complaint, however, I would like to request that you provide me with proof that you actually contacted the data furnisher regarding my dispute. 

As you have mentioned in your letter, the data furnisher has responded and verified that the disputed information was accurate. However, I would like to request a copy of this verification to ensure that the information is indeed accurate and that it was not a mistake. 

I also remind you that, under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is obligated to conduct a reasonable investigation of the dispute, which includes verifying the accuracy of the information with the data furnisher. Moreover, if it is found that the information is inaccurate, the FCRA requires the credit reporting agency to promptly update the information in accordance with the results of the reinvestigation. 

Given the provisions of the FCRA, I expect that you will have no choice but to update my payment history to current and my status to paid as agreed and never late. 

Thank you for your time and consideration.
Product: Debt collection

I am a victim of Identity Theft. 

XXXX XXXX is reporting on Citibank collection my credit file that is extremely damaging to my credit. i am getting no response from the collection agency reporting this debt.
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 Regulation E. These actions have 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

this orignal account was paid and agreed to be removed from my credit reports. when disputed with XXXX and XXXX,,, this account was removed from my account,,, however,,, equifax continued to continue reporting this as accurate information even though i had disputed correctly and given documents of proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to properly investigate   XXXX   ( a collection company ) that has erroneously ( with malice ) reported the same debt, twice, as a new collection item. The double-reporting of this collection item is fraudulent. This company has also refused to submit documentation showing date of first delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account with acct. # XXXX is reporting incorrectly and a duplicate account. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and defamation of my character.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I pulled my credit report and found that alot of fraudulent accounts were on there so on XX/XX/2024 I filed a police report about the claim.. I disputed it with all XXXX credit bureaus but haven't heard back from them...
Product: Student loan

My interest I pay fluctuates each month and typically goes up instead of down. My loans were consolidated years ago on a fixed interest rate. I feel like I am being ripped off by my student loan company AES. I don't think that it has just started. I believe they have been ripping me off for years so that my loans never get paid off. Please help me. See last three month data for examples. 

Loans Purchased by AES on XX/XX/XXXX Payment Date - XX/XX/XXXX Payment : {$310.00} Bal : {$26000.00} Total Principal Paid : {$100.00} Total Interest Paid {$210.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$38.00} Interest Paid : {$79.00} Subsid Consol Loan Principal Paid : {$64.00} Interest Paid {$130.00} Payment Date - XX/XX/XXXX Payment : {$320.00} Bal : {$26000.00} Total Principal Paid : {$180.00} Total Interest Paid {$140.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$67.00} Interest Paid : {$53.00} Subsid Consol Loan Principal Paid : {$110.00} Interest Paid : {$89.00} Payment - XX/XX/XXXX Payment : {$320.00} Balance : {$26000.00} Total Principal Paid : {$190.00} Total Interest Paid {$120.00} Total Late Fees : {$0.00} Unsub Consol Loan Principal Paid : {$73.00} Interest Paid : {$48.00} Subsid Consol Loan Principal Paid : {$120.00} Interest Paid : {$80.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts on my credit report, as I am a victim of identity theft and a recent data breach. Pursuant to 15 U.S. Code 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any accounts resulting from fraudulent activities removed from my credit report. 
The following accounts are inaccurate and have not been authorized by me : XXXX. XXXX XXXX Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$750.00} XXXX. XXXX  XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$470.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Open Date : XX/XX/XXXX o Balance : {$890.00} XXXX. XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$26000.00} XXXX. XXXX XXXX Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$18000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$890.00} Additionally, please remove the following unauthorized inquiries from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Resident Verify Date of Inquiry : XX/XX/XXXX XXXX Card Date of Inquiry : XX/XX/XXXX