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

I am writing to report National Credit Systems Inc. for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). National Credit Systems Inc. has incorrectly reported two identical accounts to all three major credit bureaus ( XXXX, XXXX, and XXXX ), causing significant harm to my credit score in retaliation to a CFPB Complaint I filed on XX/XX/year>. 
The accounts in question are : Account 1 : Date Reported : XX/XX/year>, Collection Agency : National Credit Systems Inc., Original Creditor Name : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX Account 2 : Date Reported : XX/XX/year>, Collection Agency : National Credit Systems Inc., Original Creditor Name : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX I dispute these account because the errors and validation. Furthermore, National Credit Systems Inc. retaliated against me further for reporting the error to the CFPB by re-reporting the same account under a different account number. 
Notably, this malicious action occurred after I submitted a complaint to the CFPB on XX/XX/year>. This retaliation is a clear violation of federal law and demonstrates National Credit Systems Inc. 's intent to harass and intimidate consumers who exercise their rights. 
As a result of National Credit Systems Inc. 's malicious reporting, my credit score has dropped significantly. The duplicate accounts have caused irreparable harm to my credit reputation. I believe this constitutes a violation of : FCRA Section 611 ( 15 U.S.C. 1681i ) for willful non-compliance with dispute procedures FCRA Section 623 ( 15 U.S.C. 1681s-2 ) for furnishing inaccurate information FDCPA Section 805 ( 15 U.S.C. 1692d ) for harassment, oppression, or abuse I have attached supporting documents, including : Credit reports from all three bureaus showing duplicate accounts
Product: Credit card

Capital One has denied me access to my account. The account was originally opened using my home landline phone number. 
I called customer service and spoke to XXXX ( XXXX XXXX ) and her supervisor XXXX  ( XXXX  XXXX ). Neither was able to complete my information update. The landline associated with the account has been terminated and I needed to update it with my cell phone number. When attempting to complete the authentication process neither of the XXXX  cell phone numbers I gave them were accepted. They would not use any other type of authentication process other than a scanned photo of my government issued I.D . sent across the internet. This is supposed to be for my security, but it actually opens the door to any predators wishing to capture my personal information. 
I need access to this account so I can pay it off and close it as soon as possible.
Product: Credit card or prepaid card

I receive my Social Security benefits deposited on my Direct Express Card on the 3rd of each month. On XX/XX/2020 I checked my account and was notified that it was under " fraud suspension ''. I called the customer service number on the card and was unable to speak to anyone. I made a multitude of calls to that number and have still not been able to speak to anyone. I also contacted the issuing bank and was told they have no connection with the card, they just issue them. Then I filed a complaint thru their company, received one call from a representative who left a message with a number for me to call back and, after 8 ( eight ) calls in two days ) have been unable to talk to anyone. I am a XXXX-year-old XXXX  who lives on Social Security and now there are two month 's worth of benefits tied up on this card because I can not get an answer as to what is happening with the " fraud ''. This card to recommended by the Social Security Administration and all I can say to that is " DON'T USE IT. IT IS A SCAM ''!!!!! From now on I will be using a conventional bank account and recommend everyone else does the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XX/XX/2022 but i haven't got any response from you and according to the FCRA you are required to response within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILE A DISPUTE WITH EQUIFAX ON XXXX XXXX REGARDING SOME HARD INQUIRIES ON MY CREDIT REPORT LESS THAN 5 DAYS I RECEIVED A LETTER STATING THAT ARE FACTUAL. THESE HARD INQUIRIES WERE NOT AUTHORIZED BY ME, AND SUCH THEY SHOULD NOT HAVE BEEN CONDUCTED WITHOUT MY CONSENT. UNAUTHORIZED INQUIRIES MY ABILITY TO SECURE CREDIT. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FACTA ), AND THE UNITING AND STRENGTHENING AMERICA BY PROVIDING APPROPRIATE TOOLS REQUIRED TO INTERCEPT AND OBSTRUCT TERRORISM ( USA PATRIOT ACT ), I HAVE THE RIGHT TO DISPUTE INACCURATE OR UNAUTHORIZED INFORMATION ON MY CREDIT REPORT.

UNDER UDAAPs Dodd-Frank Act ALL COVERED PERSONS OF SERVICE PROVIDERS ARE LEGALL TO REQUIRED TO REFRAIN FORM COMMITTING UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES ( COLLECTIVELY UDAAPS ) IN VIOLATION OF THE ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute in writing to XXXX, Equifax and XXXX asking for an investigation into an inaccurate debt collection account. 
( I have attached details of the account in question. ) The 3 bureaus have not only failed to respond within 30 days, they are also continuing to report inaccurate information on my report regarding this account. I demand that this account be removed immediately.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically, Cash App build 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 Transfer Act ( EFTA ) and Regulation E. Is 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

Dear XXXX and Barclay, I attached a copy of the letter from XXXX XXXX stating your company to delete and remove this account immediately from my credit report and credit files. I still want to know why your company violated my consumer rights because based on this letter XXXX stated they sent a request for XXXX to delete this account on XXXX XXXX, 2016. Therefore, both XXXX and Barclay have violated my rights under Fair Credit Reporting Act for reinserting a recently deleted item back on my credit report as well as did not comply with the collection agency request. I have already talked to a consumer attorney on this matter and I will be forwarding this letter to the Better Business Bureau as well as the Attorney General Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, a collection agency named XXXX XXXX started reporting an $ XXXX collection on my credit report. I have no clue what this could have been, because I have never has an unresolved debt of this magnitude. And before this account showed up on my report, they never tried to contact me about it. I was under the assumption that they were required to contact me and give me an opportunity to contest a potential collection before they report it. I certainly would have done that, but I was never given the opportunity. I have since contacted this collection agency directly to complain, and ask for further explanation about this phantom debt. But there representatives are very rude and tell me that they don't have to give me that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several unknown inquiries with XXXXEquifax on several occasions as they have not complied with my requests. I've also contacted their fraud department and made a complaint with negative results. I further believe my identity may have been compromised as I do not recognize these companies.I want these inquiries deleted immediately. Lastly XXXX failed to forward me the results of their investigation as required by the FCRA. I am extremely disappointed in their failure to comply with the law. There are several inquiries that I do not recognize. Please see the following unauthorized inquiries : 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 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 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 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 wanted a security freeze on my trans union credit report as well as the 2 other credit agencies after my information was used in identity theft. However, I was made an aware that trans union didnt put a freeze and many accounts were open that I am dealing with right now. Started in XXXX.
Product: Credit card or prepaid card

On Monday XX/XX/2023 received inquiry notice letter in mail, notifying me a credit card application process made on XX/XX/2023 was denied from TD bank. 
I researched out to the number that was provided from TD bank. Spoke with representative who transfers me to the credit department. 
After questioning the inquiry letter and the bank. I reported to the representative I did not apply for no credit card online. 
After giving all my information to verify who I was representative noticed someone fraudulent applied for a credit card in my name. I do not bank and never have banked with TD bank or never have I applied for a credit card with TD bank. TD bank ran my credit report according to the denial letter. 
Of course I would not apply because I am on a ssa fixed income and know my dept ratio is to high to even attempt to apply for any credit during this time frame. 
The online process was made on the date of XX/XX/XXXX according to TD bank representative. 
I know exactly what I did that day for the fact I had went to the XXXX for 6 mth cleaning @ XXXX XXXX And again I know I did not apply knowing my dept/ratio income. 
Please help me to find and understand how this possibly could have happen, with no ID, no telephone call from an online application to prove my identity. 
The fraudulent application had my DOB, SS #, home address. 
I dont know if it was the telephone number or the email that showed differently on their end to assure me it was fraud. 
But according to TD this is now reported as fraudulent, but this will not fix who has my information, or how they obtained it. 
I need to find what source did this and if any other attempts were made, to pursue legal actions. 
Thank you, Signed so frustrated right now! 
Your site is not allowing me to upload any documents of the notification letter that was sent to myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was notified about an updated credit score on XX/XX/XXXX app. I noticed that I lost 36 points from XXXX. I called them and they were unable to give me an explanation as to why I lost points. There were no collections added, no new debt, no new accounts opened, no accounts were closed, nor did I apply for anything. On XX/XX/2021, I received 36 points back. On XX/XX/XXXX, I received 1 point. On XX/XX/XXXX, I received 3 points, where my credit score was XXXX. On XX/XX/XXXX, once again, I lost 36 points. I am not understanding why every time I reach 700, I lose 36 points. When I call, they tell me the " system '' calculates the points daily. Our livelihoods should not be up to a computer, as if it doesn't make errors. You can't have anything in life without credit, and I have worked extremely hard to fix my credit. It's bad enough that I have disputed the same 3 accounts over and over for inaccurate information amongst the credit reporting agencies, and yet they refuse to delete it. The reason I haven't disputed them again is that I am under contract to buy a home and heard that I can't have any accounts in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have reported a 30-day late payment indicator on my credit report with the creditor ( XXXX XXXX , Also known as XXXX XXXX XXXX XXXX XXXX which is incorrect and is currently showing on my credit report. The account that I am referring to is the account balance of : {$38000.00}, which the account was opened XX/XX/2019. I have never paid 30-days late and when I contacted XXXX XXXX , they said that their system is not showing it and that they did not report that 30-day indicator on the account. This is the 3rd time that this done happened to me where XXXX XXXX XXXX have reported that incorrect information of having reported a 30-day late indicator, which I had to dispute this issue before. I want this issue corrected immediately because this is negatively affecting my credit rating with Experian and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX and XXXX XXXX is showing up on my credit report and I do not know anything about this. I would like it removed.
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 Customer 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 or other personal consumer reports

I was reviewing my credit report and found some inquiries that do not belong to me
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Outdated Information Under FCRA Section 605 ( c ) Dear XXXX XXXX, I am writing to formally request the removal of outdated negative information from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605 ( c ). This section limits the time during which adverse items may be reported.

According to my records, the following account ( s ) should no longer appear on my credit report as they are past the allowable reporting period : Delete All Account Date of First Delinquency : XXXX Date ] Description of Negative Item : [ Late payment, charge-off, etc. ] As this information is now beyond the statutory reporting period of seven years ( or ten years for bankruptcies ), I kindly request its immediate removal from my credit file.

Please provide written confirmation that this information has been removed from my credit report. If you do not comply, I may pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

NEVER RECEIVED NOTICE THAT I COULD DISPUTE THIS ALLEGED DEBT. 
IN ADDITION I REQUESTED ALL SIGNED PURCHASE AGREEMENTS FROM RESURGENT/LVNV FUNDING AND ALSO REQUESTED CREDIT BREAUS ( ALL XXXX ) TO DELETE THIS ALLEGED DEBT FOR INACCURACIES
Product: Payday loan, title loan, personal loan, or advance loan

This is not mine it's from a state I have never been a resident of. It is identity theft someone used my information.
Product: Credit reporting or other personal consumer reports

I have a twenty year history of perfect payments with Dell Financial Services. 
In XXXX of XXXX, DFS transferred my account to Comenity Bank. 
Since Comenity Bank has taken over my accoun, t it has been extremely difficult to work with them or manage my account. I have trouble logging into their website to make a payment. I can not get a password reset. Comenity requires the full XXXX  digit account number for password changes, but Comenity hides the account number on all correspondence. If I call to speak with someone at Comenity, it is difficult to get through to a real person. If I can get through, I am not able to speak with someone who can speak English. 
In addition, for many months, my monthly statement was not being sent to the correct address or no statement was received. 
I am not alone in this problem. The Dell corporate website and various online forums list hundreds of people complaining about all of the same difficulties since Comenity Bank has taken over their Dell Financial account.

Through no fault of my own, Comenity Bank has now marked my credit report with multiple late payments and damaged my credit score.

I have already disputed this with the three credit agencies, but Comenity refuses to correct the problem.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX has updated my wife 's credit report to reflect the XXXX balance on this account, but XXXX has refused to update my credit report as a joing owner even though I've disputed this to reflect a XXXX balance. XXXX is showing I owe XXXX XXXX {$3800.00}. Under the " dispute '' section of my credit report, XXXX reflects XXXX owed to this company because I've filed a dispute with them, but since updating the dispute and resolving it, under the " summary '' section and " credit '' section of my file, they show I owe XXXX {$3800.00}. 

How can I show nothing owed on one area of my XXXX file and {$3800.00} showed on my XXXX credit report and my wife 's XXXX credit report be accurate when it's all the same credit line?
Product: Debt collection

Debt appears on my report. 
I am not familiar with this debt. 
This account states that it was opened in XXXX of last year but I have not opened an account with this organization.
Product: Credit reporting or other personal consumer reports

I have challenged XXXX XXXX  in the past and had this account removed/deleted for inaccuracies and violation of 15USC 1681 a ) b- Duty of knowledge and knowingly furnishing inaccurate information to the Data Furnisher- this account keeps coming back even after it had been removed which is a violation of FDCPA 605b. I contacted TransUnion today XXXX in regards of FCRA section 623 their duty as a Data Furnisher and they continuing actions to allow this Act to continue to break laws and Regulations. Its only reporting on my Transunion Report and I have reached out by certified via mail on XXXX XXXX and have filed a dispute through XXXX XXXX again on XXXX which is currently past the 30 days timeline that an investigation should be completed by FCRA Law, which is another clear violation of FCRA section 623. I want this account removed indefinitely. And TransUnion to be Fined {$1000.00} for what they have allowed to be furnished even after I have addressed this matter. This company dont have proof or can not validate this debt belongs to me it must be Removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Main credit reporting agencies are reporting false information. 
the following inquiries are being reported fraudulently. 

XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the accounts listed below were opened fraudulently without my consent. 

XXXX XXXX XXXX  Account # XXXX
Product: Checking or savings account

On XX/XX/2021, the corporation of which I am a board member was denied a bank account at XXXX XXXX  because of some company called Chexsystems. 

I an not nor have I ever been a customer of check systems. 

Chexsystems has sent me their report, attached, which has only my name, my address, my date of birth and the date at which my soc. sec. number became available. 

I should NOT be denied a checking account or savings account based on this information. 

However, XXXX XXXX  tells me that because I have a record with Chex Systems " at all '', that is a reason to deny me. 

That is not fair.
Product: Payday loan, title loan, or personal loan

The company is Dividend Finance. I sold my home which included a purchased solar system. Despite Dividend Finance being asked ( by me, the title company, and both seller 's and buyer 's Realtors ) for weeks to provide data to the title company for closing, they didn't respond until the day prior to closing. They demanded {$800.00} as a " transfer fee '' for the home buyer to assume the loan, despite this fee not being identified in the original purchase contract. To complete the sale of my home, I was forced to pay them the {$800.00}, despite numerous calls and emails to Dividend. 

Following closing, they are still refusing to complete the loan transfer. They now state they must be paid an additional {$6300.00} up front to complete the loan transfer. They will not provide info as to what this is for, a principal payment ultimately lowering the monthly payment, or something else. The home sale closed XX/XX/22, and today is XX/XX/22. The solar loan is still in limbo, and Dividend has now processed a withdrawl from my account for the monthly payment!
Product: Debt collection

I called the company to talk about that debt collection was appearing on my credit report because I was an employ for the company and my membership was free so i didnt have any amount to pay monthly. Ive been trying to dispute the collection but I dont have any response. And its affecting my credit. Ive been calling filling out report and stuff and no body said or do nothing about. I dont owe any money to them and I really want some help to get that thing out of my credit report. 

XXXX XXXX Collection  open XX/XX/2021 Now owned by the ALDOUS AND ASSOCIATED
Product: Debt or credit management

XX/XX/year> is when I started with Lexington Law. They failed to improve my credit score but took my monthly payments.