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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX H XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
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 myaccount 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 and26 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

According to my credit report dated XXXX/XXXX/2014 my XXXX XXXX utility bill is more than 90 days overdue. However, I have not missed a payment since opening the account XX/XX/XXXX. The credit report also states that the account is current, but the payment is late. I have disputed this with Transunion but have not gotten a response. I will mail supporting documentation via USPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX Collection debt {$540.00} listed as a collection on my credit reports- I have not been able to contact the company listed as the collector by the address and phone number listed on the credit letters- I also was not able to locate that company as a collection source with the Consumer Financial Protection Bureau . How can it be verified by XXXX- Equifax- XXXX  if I can not locate them through these resources I dispute this account and it's details are not verifiable and should be removed and deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the payment history information that appears on my credit report from XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( 2 ) under Exclusions, report containing information solely as to the transactions or experiences between the consumer and the person making the report ; I have reviewed my credit report and found the payment history information and account balance should be excluded from my report.
Product: Credit card or prepaid card

I am a victim of EDD prepaid debit card of the Bank of America, and I have never been given my authorization to anyone to use my EDD card and account for purchases and withdrawals. Apparently, thieves are checking my accounts every day at various locations including XX/XX/11 stores, XXXX XXXX XXXX Bank of America, and withdrawing money in XXXX and XXXX XXXX counties which are 2 hours away from my home. Bank of America 's computer security system leaked to consumers information, so the hacker had the opportunity to steal money $ XXXX my account. I reported to Bank of America twice, and filling a claim, but Bank of America continues to insist on denying my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a membership that I pay for with Experian for XXXX XXXX XXXX  # XXXX. On their portal, they have tabs for several partner offerings. I was viewing loan products and had no intention of applying. Just curiosity on my part. My credit is also locked and has a fraud alert on it as well due to a possible breach in the recent past. 

I started receiving a barrage of emails ( attached ) from lenders such as XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX indicating I am not approved for a loan. 

Again, I did not apply for a loan and at no point did Experian 's website indicate that I was applying for a loan or ask for my consent to apply for a loan. 

This is blatant misuse of my information and total failure of transparency. Especially given the fact that my credit is subject to a fraud alert. 

I tried to contact Experian by email and was instructed to call. Then tried to call and it was impossible to speak to a person. Their automated phone system kept looping me back to their very restricted options.
Product: Checking or savings account

They keep charging me overdraft fees. TD bank have these predatory overdraft pratices that they use to charge people overdraft fees. I was told if my account overdrafts and i put money in there same day before certain time i wont be charged a fee. My account was overdraft so i transfer money from another TD Bank account same hour and they charged me a fee of {$35.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried fixing this problem with the company, and the sent me the paperwork to see what this was all about. It is for a bad check in California, which has a statue of limitation of 2 year it 's almost 4 years old. TransUnion and XXXX have the account still open. On the invoice it has the check bad in XXXX of XXXX and it 's been reaged to XXXX XXXX. XXXX, XXXX, and TransUnion have it reaged.
Product: Debt collection

On XX/XX/2022, I consumer XXXX XXXX, sent CONNS XXXX XXXX a cease and desist letter to stop the infringement upon my intellectual property rights. In that letter, I also demanded an audit trail of this account as well as a debt validation letter to exercise my rights as a consumer to validate this alleged debt.
Product: Debt collection

Attempted to dispute a debt collection from Sunrise Credit Services , IncXXXX Called in to dispute which they have record of the end of XX/XX/2023. Never received communication of that dispute and they reported it to my credit bureau. Phone call and they admitted they never sent any communication and they always had my correct address.
Product: Credit reporting, credit repair services, or other personal consumer reports

As previously notified before, I am a victim of identity theft, and again I have attached a copy of all required documents for your review
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 My credit report XXXX  and Equifax refused to block 2 accounts in my credit report i don't recognize as mines, XXXX  deleted them but not the other ones I contacted the identity theft website of the FTC i followed all the steps sent letters to the XXXX credit bureau and debt collector ( XXXX XXXX XXXX  ) the amount showed is {$4100.00} and 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 Protection Act ( CFPA ). Cash App didnt act quickly or effectively to stop fraud on their platform, which left my account open to risks and unprotected.

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: Money transfer, virtual currency, or money service

Hi i deposited {$250.00} to my coinbase account from my XXXX XXXX XXXX bank account. 
The deposit failed " due to insufficient funds '' I had in person deposited cash into my bank. 
Later I noticed the cash was withdrawn from by bank account but did not show up in my coinbase account. I've contacted support but its been weeks with no resolution. Case # : XXXX I confirmed the missing funds by adding up all my bank 's coinbase deposits and all my coinbase purchases there is a difference of my {$250.00} deposit. I dont know which deposit is was. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the FCRA, it is EQUIFAXS duty to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 1 inaccurate late payment for the XXXX  XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2020. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payment results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit card

On XX/XX/2024, I opened a Barclays Frontier Airlines XXXX XXXX with a promotional balance transfer offer of XXXX XXXX XXXX for 15 months, valid for the first 45 days after account opening. I submitted XXXX balance transfer requests on XX/XX/XXXX and XX/XX/XXXX, both within the XXXX period. However, Barclays canceled both transfer requests without providing a clear explanation. 
After spending over XXXX hours on the phone with Barclays customer support, I was assured that the balance transfer offer would reappear on my account once the pending and canceled transfers were removed. However, this did not occur, and the offer expired after 45 days from account opening. 

I contacted Barclays again on XX/XX/XXXX, eplaining the situation and requesting that they honor the original balance transfer offer. However, I received a generic response stating that no promotional balance transfer offer was available on my account, disregarding the fact that I had applied for and attempted to use the offer within the specified timeframe.
Product: Credit reporting

sent letters XXXX and Experian CB and told them that I was under fraud and the Hard inquires on my report were not authorized by me. I sent letters with receipts and they were signed for and with no actions or updates on my credit 30 days waited and no action. so I sent a second letter with no actions done on my credit, so I know rights and the credit laws, by study. 
I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account is not mine. Shows closed but is not mine and is showing on my reports. Have tried to contact company and can not get any valid response. Have provided them with information to show that the account was not mine. 

Amount : {$7800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year>, XX/XX/scrub> XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up to CFPB complaint # XXXX-XXXX. 

Navient did not resolve the issue and gave a vague response dismissing my concerns and the erroneous information they are reporting to the credit bureaus. As I previously stated, I have two private loans in good standing with Navient ( XXXX Signature Student and XXXX Signature Student ). Navient has reported both of my loan accounts as being 60 days past due as of XX/XX/XXXX to each of the three credit reporting agencies, XXXX, XXXX, and XXXX. 

Navient is claiming that the negative reporting stems from a payment that was missed on XX/XX/XXXX when it was rejected by my bank and that I have been continuously one month behind since this missed payment. Navient further explains that when I missed my XXXX and XX/XX/XXXX payments it caused my accounts to exceed 60 days past due, which is when the negative reporting occurred. THIS IS FALSE. 

I did not miss any XX/XX/XXXX payment. I made two payments in XX/XX/XXXX. This first payment was a forbearance payment on XX/XX/XXXX in the amount of {$100.00} and the second payment on XX/XX/XXXX in the amount of {$110.00}. So, the claim that I missed a XXXX payment is clearly incorrect. Navient still has not provided any concrete evidence of my account being 60-days past due and continues to make fallacious claims in an attempt to justify their erroneous credit reporting. 

In their response to my original complaint, Navient stated that they will update my credit report to reflect my disputed loans with the following comment : FCRA direct dispute investigation completed consumer disagrees with the results of the data furnishers investigation. Further Navient DOES NOT have my permission to place any narratives on my reports. 

Navient needs to validate their claims that I missed my XX/XX/XXXX payments as well as provide the EXACT number of days that my account was past due which caused the negative reporting. My credit reports state that I was 60 days past due and Navient has yet to disclose the EXACT number of days my account was past due and does not acknowledge my two ( 2 ) XX/XX/XXXX payments. Along with my other requests, I demand to know the exact number of days my account was past due which caused the negative reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously filed complaints not resolved. The wrong name, XXXX XXXX, with an address in XXXX still show-up on my credit report. The fact that the false collection shown by these agencies is now removed, doesn't nothing to fix the underlying problem. The next time this bimbo has a late charge or collection it will again show-up on my credit report because her information is falsely shown on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report again, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$480.00}, XXXX  XXXX Balance : {$300000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around the first of XX/XX/2018, I sent invia mail a dispute of fraudulent accounts to XXXX, Experian and XXXX, as I am a victim of identity theft. Despite having all the required documents included I received no response from any of the reporting agencies.Since this time my personal credit has continued to suffer from the accounts disputed and two others : XXXX  ( XXXX ), XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as ( THE STARK COLLECTION A XXXX ) is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my Husband passed away i pulled my credit report to make sure everything was getting paid I noticed a utility bill that was not ours that problem was fixed, A Company called Affirm located XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 
I contacted Affirm on XX/XX/2022 gave them my name, cell number and the last four of my social security number. they could not locate a account with my information. I explained to Affirm that that are reporting that i was late on this payment for the month of XX/XX/2022. Affirm then said they would open up a case # to check into this. Since XX/XX/2022 I have called Affirm over 60 times and Affirm has open 12 case number to check into what is now fraud. Case numbers can be provided. Affirm will not provide me with any documentation that I authorized this account to be opened in my name. I filed a dispute with all 3 credit bureaus and the dispute comes back in the favor of affirm. Affirm is still as of todays date of XX/XX/2022 is still telling the credit bureaus this is my account. Affirm has also been drafting a credit card for payments that i did not know I had. That credit card has been closed. Now Affirm is emailing me I am late on payments. Payments owed to Affirm that when I call Affirm they say a account in my name can't be found. This has been going on for over 70 days. and has impacted my credit.Affirm will not call me has as promised on a recorded line they will not email me on thiss issue. All Affirm does is open case numbers and report incorrect information on my credit report on a account they say does not issist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone Open this account in my name without my knowledge.
Product: Debt collection

I pulled my credit and noticed that a company listed by the name of Equiant Financial Services. I have never had a Mortgage before nor did I do it with a joint person. 


The second company is XXXX XXXX. I have never heard of this company but they will never validate the debt as I have asked them to do because I never had an account with them.