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

I recently contacted the company XXXX about inaccurate information reporting on my credit that was making a negative impact on my creditworthiness. I contacted them in the month of May to let them know of this activity. As well as inform them that the accounts reporting were made by way of fraud and that I filed a separate report with the FTC on said issues. I forwarded the information to them as well as tried to start a dispute process with them over the phone but I could not get any help at all. to know avail the information currently updated on my report is accurate even thou my address is incorrect and I do not have any knowledge of the accounts that reporting based on USCI recently reviewed my credit profile and noticed inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U, S.C. 5 1681i, every single one even each or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : ( dispute item and explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the RSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.

I await your reply with the above requested
Product: Credit reporting, credit repair services, or other personal consumer reports

this company XXXX XXXX account XXXX XXXX XXXX has an account on my credit report that does not belong to me. This has caused me undue stress as my XXXX XXXX has increased. I have just retired and my physician recommends a warmer climate to live in and with this account on my credit report it has been hindering my move. I would be eternally grateful for your help in removing this error from my Experian credit report.
Product: Checking or savings account

My personal checking account was closed in XXXX XXXX  at Citibank. No reason given. Have tried with branch and customer service to receive funds. No returned funds as of XXXX XXXX XXXX
Product: Vehicle loan or lease

I have reached out to the company Westlake Financial on numerous occasions via email to customer service as well as a representative named XXXX and she never responded. Emails were sent from XX/XX/XXXX to current day, XX/XX/XXXX. No response. I had 80 percent of XXXX XXXX XXXX and was asking for an extension or to move the amounts to the end of my loan so that I could get out of my financial hardship and get back on my feet and caught up. They never responded and now on my credit report it is showing that my loan was charged off XX/XX/XXXX and possibly up for repossession. 
I even attempted for friends and family to make the payments for me, however I am restricted/locked out of my account so there is no way to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started my credit journey back in XX/XX/2020 when I received copies of my credit report. Not only did I notice the wrong information with my name and addresses, I noticed there were some accounts I did not recognize as well. I watched videos and did some research and started disputing these accounts. The bureaus sent me responses at first but when the pandemic hit, the letters stopped coming. It is my understanding that the bureaus have 30 days to respond, or the account should be removed if they were not validated. After conducting more research, I found out the bureaus were behind and affected as well from the pandemic and would be taking a little longer to respond. Understandable. However, it has been 3 months since I received any notification or update regarding these negative accounts on my report. I have sent numerous letters and warning letters to the bureaus and XXXX Equifax, and XXXX  has not reached out to me. This is unacceptable. This is my life in their hands and I want this situation resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy me and my girls something to ride in to get back and forth to work... i lost my home on the first vehicle due to the pandemic and 3 of my uncles passed from XXXX XXXX.According to the 15 USC 1681 law , there should not be any damages on my report Its an defamation to my character
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian regarding inaccurate address information on my credit report. Despite my previous attempts to resolve this issue directly with Experian, the incorrect address remains listed on my credit report. I request your assistance in rectifying this matter. 

Despite providing these documents, Experian has not updated my credit report to reflect the correct address. This inaccuracy is affecting my creditworthiness and causing unnecessary complications in my financial affairs. 

I request that the CFPB investigate this matter and ensure that Experian updates my credit report to reflect my correct address. Additionally, I would appreciate written confirmation once these corrections have been made and an updated copy of my credit report sent to me.
Product: Checking or savings account

Someone keeps opening Bank of America ( BofA ) checkings accounts using my name, SSN, email, and home address. 

On XX/XX/2023 -- I received an email confirmation from BofA about a new Advantage SafeBalance Banking Account being activated. I did not open this account. I called the BofA fraud line and using my name & SSN, the agent was able to locate and close the account. 

On XX/XX/2023 -- I received another email about a new Advantage SafeBalance Banking Account being activated, but this time addressed to a " XXXX XXXX '' instead of my name. 

On XX/XX/2023 -- I received mail with a debit card from BofA for yet another account ( based on the last 4 digits, not one I got an email for ) that I did not open, using my name and home address. 

BofA has not responded to or helped with the incidents on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit card or prepaid card

This is regarding my previous bill with CitiBank, I have logged in multiple times on their website to see whats happening on my account and I have been having technical issues with them for a very long time. I paid off my balance in full, so I was surprised to find {$50.00} in interest and a late payment added to my account after paying it in full. Please look into this situation
Product: Debt collection

This Claim is in response and coupled with CFPB.gov complaint number XXXX. The prior complaint number listed was unjustly closed out by the CFPB as the Dishonorable actions by CAPITAL ONE were done to hinder, delay, not comply to the complaint submitted by I, an aggrieved man, the implied XXXX of XXXX XXXX XXXX have tried repeatedly to correct the misinformation being reported on the consumer reporting of this account XXXX XXXX XXXX XXXX which was closed down haste. A settlement for the amount outstanding was submitted once in XXXX of XXXX in the form of a REMITTANCE COUPON. 
XXXX of XXXX CAPITAL ONE issued a statement not reflecting the REMITTANCE COUPON debt Set/Off as provided by any and all credit, loan providers. Another REMITTANCE COUPON was mailed in XXXX of XXXX and still no reflected settlement amount on the statement to demonstrate any amounts or balances to reflect the su'bmittal of said debt set off remittance coupon as provided. Upon CAPITAL ONE 'S closing and chargeoff status updated to corresponding consumer data furnishing companies.

A 1099-A was then filed via IRS form online to acquire the debt from CAPITAL ONE who which should have already filled, filed, submitted and mailed a copy to I, in the form of a 1099-C. Upon request CAPITAL ONE still has not provided nor acknowledged such a form or credit the prior 2 remittance submissions and IRS form submission in the form of an 1099-A. Instead LIED about a person named in last complaint was not listed or recognized and a signer, representative to legally be able to conduct any form of business. Who that individual is still has not been named or pointed out to myself. Nowhere listed on any documentation that CAPITAL ONE mailed has any evidence demonstrating this alleged person. 
This COMPLAINT HAS NOW BECOME A BILLING DISPUTE ERROR. CAPITAL ONE and corresponding consumer reporting companies must update the status of this account immediately to show as not charged off, no late statuses, no amounts in the form of late fees, interest, etc any related to this account.
Product: Credit card

I have been trying to dispute this account on my credit report for months and have not heard back. I have sent numberous dispute letters to the credit bureaus and to Santander. They are failing to delete this account from my credit report because it is actually reporting twice on my credit report which is a violation of the FCRA. I have contacted an FCRA attorney who said I can sue for this but wanted to see if you could remove it to save us XXXX the trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are NOT complying with their own policies in a timely manner! I have submitted a dispute by mail 30 days ago and have NOT receive a response or a dispute on these items listed on my reports. XXXX letter of dispute for acct # XXXX, XXXX, XXXX. Experian acct # XXXX, XXXX acct # XXXX. All have failed to comply in a timely manner.
Product: Credit reporting or other personal consumer reports

After looking over my consumer report I seen a few inquiries that should t be on my consumer report under the laws congress set in place for me as a citizen of the United States of America first law 15 1681 2a they arent supposed to report transactions on my consumer report. 15 usc 1602 ( g ) I am the creditor i am the lender and not the borrower we the consumer are the creditors. 15 1602 ( p ) a consumer credit transaction took place you receive no benefit but someone got paid. 15 usc 6802 supposed to let me know or disclose that they wan na put something on my consumer report and supposed to give me a option to opt out and they didnt. 42 usc 408 asking for social security number on any credit transactions consumer transaction or loan is against the law because there is no lawful money this is a crime I have the right to privacy In Accordance with 15 1681 12 usc 1431 I can not be the debtor and Ive never been the borrower the banks are the borrowers these two companies violated 15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit report records and promotes the privacy, fairness, and accuracy of personal information gathered by Credit Reporting Agencies ( CRAs ). CRAs are entities that collect and sell financial and credit information about individuals. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX I havent received anything from these ppl I asked that they send me my wet ink signature on me signing anything with there persons. Banks have been committing fraud since XXXX  knowingly and willingly deceive you for their financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/product. So its actually an exchange and not a loan in an exchange you are trading things of equal value including my social security number.
Product: Credit reporting or other personal consumer reports

I was previously an authorized user on an account for XXXX and was removed almost XXXX years ago. For some reason I see on my credit reports that I am currently still an authorized user and this information is not accurate. I previously submitted a dispute to the credit bureaus to have this information corrected however the dispute advised me that the reporting was verified as correct and this information is also inaccurate. I have also called the company and they confirmed I was no longer an authorized user on the account and they have no current information about me on their system which supports that I need to be removed from the reporting.
Product: Credit card or prepaid card

I the consumer and natural person was denied credit by American Express when I applied for the blue cash everyday card. Adverse action against the consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1619c and is pursuant to civil liability under 15 USC 1692k. you are subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by American Express due to the response I received. American Express is in violation of 15 US Code 1642, USC 1681m, and 12 CFR 1002 because I the consumer made an application in good faith, yet credit was not issued. furthermore, because my CREDIT CARD ( SSN ) was used and I received NO benefit. this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am writing to formally dispute the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This unauthorized reporting constitutes a violation of my consumer rights to privacy, as these entities have no legal basis to report any information under my name.

Furthermore, I have identified unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 


Please address this matter promptly, and confirm the removal of the disputed entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

two XXXX XXXX XXXX accounts are reporting under my name on experian and XXXX credit reporting agencies, these are fraud accounts ans inaccurate reporting, i have not inquired or applied to these irrelevancies, i have never given permission to anyone to open these accounts they were opened with out my knowledge, please help me to have these fraud accounts removed from two bureaus. appreciate your help towards consumers, i XXXX and found out that you could be able to help me, since no one else could. 
please these accounts are fraudulent and need be taken care of as soon as possible thank you for your help
Product: Credit reporting or other personal consumer reports

Earlier today, I checked my credit report and saw incorrect accounts that I wasnt expecting. I regularly review my report, and everything was fine before, but now there are errors that appeared out of nowhere. I tried refreshing my browser to see if it was just a system glitch, but nothing changed. Therefore, I am asking for a detailed review of the documents I have submitted to ensure this problem is permanently resolved.
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 According to U.S.C. 1681e ( b ) Compliance Procedures, my consumer report must be created with the utmost accuracy. which Experian was alleged to have violated. 

Section 602 A of U.S.C. 1681. States I am entitled to privacy.

In accordance with U.S.C. 1681 Section 604 A Section 2, a consumer reporting agency is not permitted to provide information about me without my prior written consent.

No consumer reporting agency may make any consumer reports, any other negative items of information, or any other ran records of convictions of crimes that predate the report by more than 7 years, according to U.S.C. 1681c. ( a ) ( 5 ) Section.

U.S.C. 1681s-2 ( A ) ( 1 ) If someone knows or has good reason to suspect that information on a consumer is false, they are not allowed to give that information to any consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax a few times to request the following information be remove from my credit profile. This information is erroneous and is causing an adverse affect on my profile. This account has been written off as a bad debt by XXXX XXXX per IRS this considers income, income should not be reported on a credit profile. This account has also been reaged which is a direct violation, and by law I have a right to pursue legal action for damages. Please remove the following account below for the above stated reasons : XXXX XXXX XXXX XXXX
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 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 Fraud Transfer Act ( EFTA ) Regulation E. These actions have cause significant inconvenience and financial loss and I seeking appropriate redress for these violations!
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is not responding to my requests to investigate and remove one account that does not belong to me from my credit report and three accounts that are reporting incorrectly.
Product: Credit reporting or other personal consumer reports

XXXX : Old and incorrect addresses XXXX XXXX XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer incorrect - XXXX XXXX XXXX XXXX XXXX  Correct Employer - Employed by XXXX XXXX XXXX, XXXX : XXXX and incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Correct Employer - XXXX by XXXX XXXX XXXX Trans Union : Old and XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX Incorrect Employer - XXXX XXXX, XXXX XXXX XXXX Correct Employer - Employed by XXXX XXXX Consulting Personal Statement - Old from XXXX  needs to be removed FOR THE PAST SEVERAL MONTHS I TRIED TO REFINANCE MY PROPERTY ON XXXX XXXX XXXX AND I HAVE NOT BEE
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX are all reporting information that is either not allowed by law or is harming me commercially without justification. 

- Charge offs are considered income and should not be on my credit report.

IRS Code - Under 26 U.S.C. 61 ( a ) ( 12 ), the Internal Revenue Code ( IRC ) specifies that income includes " income from the discharge of indebtedness. '' - My reports contain transaction data and expereinces between the consumer and person making the report. This is expressly excluded from comsumer credit reports per : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 2 ) Exclusions. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; - Each credit reporting company lists 10 or more unmailable addresses. Only my current address is mailable. 

- There are dozens of names msot of which are not me.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Related CFPB Complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear CFPB Representative : I am filing this new complaint specifically regarding U.S. Bank National Association 's violations in its capacity as purported trustee of the XXXX XXXX XXXX XXXX. This complaint is distinct from, but related to, my existing complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk : XXXX. Invalid Acceptance of Late Transfers : - Trust Closing Date : XX/XX/XXXX - Attempted Transfer Date : XX/XX/XXXX - Acceptance of assets XXXX XXXX XXXX XXXX XXXX XXXX after closing - Direct violation of XXXX XXXX XXXXXXXX making transfer void - Trustee 's failure to reject void transfer XXXX. False Claims of Authority : - Filing assignments without valid trust ownership - Claiming authority to foreclose without legal standing - Misrepresenting trust 's ownership rights- Failing to verify proper trust asset transfers XXXX. Pattern of Non-Compliance : - Systematic failure to follow trust documents - Disregard of governing XXXX XXXX XXXXXXXX XXXX - Improper authorization of foreclosure actions- Failure to maintain proper documentation Request for Specific Investigation : XXXX. Please investigate U.S. Bank separately from XXXX XXXX XXXX regarding : - Trust administration practices- Compliance with XXXX XXXX XXXX - Validity of claimed authority - Documentation of transfers XXXX. Do not simply forward to U.S. Bank for response- please review : - Trust formation documents - Assignment records - Transfer timeline- Foreclosure authorization XXXX. Consider Regulatory Action : - Pattern of trust law violations- Consumer protection implications- Need for supervisory intervention - Systemic practice concerns Supporting Documentation Attached : XXXX. XXXX XXXX showing XX/XX/XXXX closing date XXXX. XX/XX/XXXX attempted transfer documents XXXX. U.S. Bank assignment filings XXXX. Court records showing invalid claims XXXX. Timeline of events and violations Previous Regulatory Communication : - XXXX XXXX XXXXXXXX XXXX XXXX referral - Existing CFPB complaint against XXXX XXXX  XXXX XXXX XXXX documentation Impact : - Threat of wrongful foreclosure - XXXX family home at risk - Ongoing credit damage - Financial harm from improper fees I request that CFPB : XXXX. Investigate these specific trustee violations XXXX Review documentation independently XXXX. Consider enforcement action XXXX. Protect consumer rights XXXX. Address systematic violations Please contact me to request any additional documentation. I can provide complete evidence of all claims made in this complaint. Contact Information : email : XXXX Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

MER & PROFCOLB is claiming that I owe them $ ( BALANCE ) but I didn't recognize this debt. Please Remove this inaccurate collection from my report.