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

Agencies used my ss # and other information for fraudulent purposes. Per 15 USC 1681 agencies listed inaccurate information on my credit report. Agencies willfully failed to delete my disputed information damaging my credit score. Said information is not valid proof for a reasonable determination complying with FCRA. Because of that fact, I DO NOT BELIEVE AGENCIES PERFORMED ACCURATE INVESTIGATIONS. Mismatched data supplied to ALL THREE credit bureaus is negative and inaccurate. Agencies failure to investigate properly is an intentional and negligent FCRA violation. Alleged debts herein were written off 1099 C ( 26 U.S.C. 6050 ( P ), the purchaser and original creditor accepted the dispute, and no proof of an accurate investigation was provided. Pursuant to 15 U.S.C. 1681 2 2 ( A ) companies violate the law regarding the responsibilities of furnishers of information to consumer reporting agencies.
Product: Debt collection

NELSON CRUZ & ASSOCIATES REP- XXXX XXXX XXXX CONTINUALLY SINCE XX/XX/XXXX I HAVE RECIEVED 13 PHONE CALLS FROM SAME PERSON STATING THAT SHE HAS A FINAL DETERMINATION ON HER DESK AND IT NEEDS MY ATTENTION REGARDING AN ACCOU T THAT IZ 10 YRS OLD AND HAS BEEN CHARGED OFF AND CLOSED.OFF MY CREDIT REPORT. IT WAS A VOLUNTARY REPOSSESION ON A VEHICLE. RECENTLY SHE SAID THEY ARE PUTTING A RIZMAT? ON MY SOCIAL. AND FLAGGING MY SOCIAL FOR THIS. TODAY SHE SAID I NEED MY ATTORNEY OR MYSELF TO CONTACT HER AS SOON AS POSSIBLE. THESE PHONE CALLS ARE BECOMING A PROBLEM AND I FEEL LIKE IM BEING HARASSED FOR SOMETHING THAT DOESNT EVEN EXIST
Product: Checking or savings account

I've opened a Citibank checking account in the past 2 weeks after already having a 3 year relationship with them for ( 3 years ). The checking account came with a bonus of {$450.00} if {$6000.00} is deposited via EFT in the first 60 days. 

In order to meet the criteria, I have made transfers from 3 of my external accounts - after verifying them- mainly because XXXX transfer is capped at XXXX XXXX 

When I tried to schedule a transfer OUT to withdraw my money back to my main Checking account at a later day, Citi logged me out and apparently closed my account. 

The banker in the branch advised that they would send me a letter explaining the reason, as well as a check with my account balance in 30 to 60 days. That is up to twXXXX months that my money could've been earning interest on T-bills or other bank 's CDs. 

Citi refused to provide a phone number to the back office that has made the decision.
Product: Credit card

I disputed XXXX charges on my Bank of America credit card - XX/XX/XXXX XXXX Delivery {$35.00} XXXX TX, XX/XX/XXXX XXXX Delivery {$74.00} XXXX TX. My account was closed and new credit card issued. Then my dispute was denied due to " chip was read, your PIN was entered, and/or you signed for the merchandise or service. '' I called to get details about the transaction but they did not know. They reopened the claim but they are unable to give me status of the claim each time I call back. Just a bunch of transfers from XXXX department and different answers each time I call back. Seems like they are just making things up as the go. I asked for written confirmation that the claim was reopened and they say it's in the app, sent via email and they can not give confirmation. Answers just seem made up on the fly. Claim XXXX.
Product: Credit card

An unknown person fraudulently used the credit card to make purchases at Target, located in the XXXX XXXX XXXXXXXX, California. I live in XXXX, and I'm not familiar with this Target in XXXX or have ever visited. When I called to try to resolve this issue, Target refused to help and continued to state that I was responsible for this charge. I'm a XXXX XXXX  citizen, and I don't have the funds to cover the charges. The last time I spoke to someone at Target, I was advised to pull a police report, which cost me {$25.00}, and when I called Target back, they immediately hung up when I offered to fax the report.
Product: Debt collection

XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX The above medical debts were recorded on my XXXX, XXXX  & XXXX  credit Bureau In the year XXXX. I reconciled my debts when I received my Income Taxes .I decided to retain an attorney thru XXXX XXXX XXXX XXXX. XXXX XXXX challenge d A R Resources with An intervention using Legal Action for a Validation Demand on all credit Bureaus. 
They were required to remove them immediately. 
Removal date was XXXX. XXXX. With total disregard of the Law and my Consumer Rights they Sold the debts to XXXX XXXX XXXX. XXXX entered the same debts in XXXX and XXXX XXXX. 
I have discussed this with them numerous times about the Legal Action. 
I have not been able to rent a place much less buy a car on credit since XXXX. 
Please can u do something about it perminatly. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Equifax several times, the last date Ive contacted Equifax were on XXXX XXXX. I requested to have Equifax report my information. The rep stated they were. I informed her they wasnt. Please contact them in regards to reporting my information. 
Thank you
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00} XXXXXXXX XXXX  XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 1 previous addresses and 3 previous employers that are completely wrong. Also unauthorized inquiries that need to be deleted.There are accounts that are not mine and not late and charged off
Product: Debt collection

My complaint is against the The Bureaus Inc. They are falsely representing themselves as a debt collector & attorney on my XXXX credit report. By doing so they are in violation of Federal Credit Reporting laws that prohibits a debt collection from falsely representing themselves as attorneys. They are in clear violation of 15 USC 1692f that the FTC very clearly spells out that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ''. 

They are also still in violation of the NORTH CAROLINA DEBT COLLECTION ACT, NC.GENERAL STATUTE.CODE 58-70-01 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in North Carolina unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of StateXXXX As of today " The Bureaus Inc '' does not have such bond listed with the NC Secretary of State. 

They are also in violation of NC. GENERAL.STATUTE.58-70-50 which requires a collection agency place its permit number, true name and address to all correspondence sent to the debtor. They failed to include their permit number on their correspondence dated XX/XX/22, and this is a clear violation of NC debt collection laws. 

I am attempting to resolve this issue with them, if they do not remedy this egregious violation by removing the negative tradeline from all three credit bureaus, I will be seeking all legal remedies available to me in this matter. 

I'm attaching a copy of my XXXX report showing them falsely claiming to be attorney 's. I'm also attaching a copy of their website that shows they are not attorneys. And I am attaching a copy of the correspondence they sent to me that does not have their permit number on the correspondence they mailed out, which is required by law in North Carolina.
Product: Credit reporting or other personal consumer reports

I have submitted dispute letter to experience alone with my FTC report, and they are improperly, investigating or refuse to correct anything
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. 

15 U.S.C 1681 Section 602 states that I have a right to privacy 15 U.S.C 1681 Section 604 states that a consumer reporting agency can not furnish any information without my written instructionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA CHILD SUPPORT ENFORCE Account # XXXX DEPT OF THE TREASURY Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX
Product: Student loan

In 1998 I applied for a Parent Loan for {$3000.00} for my daughter who was attending XXXX. 
I was denied the loan, never received any funds. There are now XXXX loans reporting on my credit bureau reports as in default. The loan amounts reporting are in excess of {$12000.00} for XXXX loans. I have asked for copies of the original disbursement check, however I only received a copy of XXXX loan application. These loans are not mine and reporting in error. 
I request this be corrected and removed from my credit file
Product: Debt collection

After reviewing my credit report i noticed that XXXX XXXX XXXX is trying to collect on a debt for XXXX $ that is not mines. I do not have a contract with this company or any debt with this company.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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. 
( 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 proces 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 have received a hard inquiry on my credit score that reduced my credit score by XXXX points. It is regarding a credit application to Capital One. THIS WAS NOT ME. I would like to report this application as fraud. It occurred on XX/XX/2024
Product: Debt collection

ever since i got this phone number in XXXX, i have received a phone call every single day. they leave no message. every single day. i do not owe debt nor have i previously been contacted by this company.
Product: Money transfer, virtual currency, or money service

Ive sent money and zelle told me there nothing they can do about it
Product: Credit reporting or other personal consumer reports

I am writing to address the charged-off account associated with the above-referenced account number. I understand the account has been charged off, and I am reaching out to discuss the possibility of settling the outstanding balance. 

Due to [ explain any financial hardship or challenges you've faced ], I am currently unable to pay the full amount owed. However, I am eager to resolve this matter and am proposing a settlement. 

I am offering to settle the account by paying [ percentage or specific amount, e.g., 50 % of the total balance ] as a full and final payment. Upon receipt of the agreed-upon amount, I request that you update the account status on my credit report to " Paid '' or " Settled. '' I believe this proposal is fair and mutually beneficial. It would allow me to resolve the debt while providing your agency with a reasonable payment. 

Please find enclosed [ if applicable, include any supporting documents or a cashier 's check for the agreed-upon amount ]. I kindly request that you send me written confirmation of our settlement agreement, including the updated account status on my credit report, within [ specify a reasonable timeframe, typically 10-15 business days ] of receiving the payment. 

This settlement is not an acknowledgment of liability for the debt, and I am making this payment to expedite the resolution of the matter. 

If you find this proposal acceptable, please provide a written confirmation of our agreement, and I will promptly submit the agreed-upon payment. 

Thank you for your attention to this matter. I believe that reaching a settlement is in the best interest of both parties and will help bring this issue to a satisfactory conclusion. 

Sincerely, XXXX XXXX Note : Before sending such a letter, it's advisable to consult with a financial advisor or legal professional to ensure the terms are appropriate for your situation and comply with applicable laws.
Product: Mortgage

I am trying to get a Heloc with XXXX XXXX XXXX, all income and taxes are good, the problem is with my current mortgage holder Shellpoint Mortgage ; they put my Pandemic forbearance from XXXX  as it a second mortgage ( $ XXXX ). All the banks know that you can not get a heloc with two mortgage.What could i do?.
Product: Credit card or prepaid card

You all are reporting that my credit I was late XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. My records indicate that I have never had a late payment. Its currently reporting that I am still late.
Product: Credit reporting or other personal consumer reports

Experian Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Consumer Assistance, I am writing to bring to your attention a matter of potential concern regarding the reporting of certain information to your credit reporting agency. As a consumer, I believe it is crucial to ensure the accuracy and compliance of the information contained within credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Recently, I received correspondence from XXXX XXXXXXXX XXXX XXXX  for the Account Name XXXX XXXX XXXX XXXX, Account Number : # XXXX and obtained a court document indicating that they do not share or report information to consumer reporting agencies, including Experian XXXX, and XXXX. The letter explicitly stated their policy of non-reporting to CRAs, and the court document further reinforced this stance. Given the nature of this information and the regulations outlined in the FCRA, it is imperative that data protection and privacy protocols are strictly adhered to by all parties involved. 

Please remove from consumer report immediately. 


Please provide me with a written response detailing the actions taken to resolve this issue. Please, send an updated copy of my current consumer report. 

Enclosure : XXXX XXXX XXXX XXXX letter, XXXX  letter, SincerelyXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I paid this card off and requested with a Penfed employee on the phone in XXXX. I was advised on the call it had been paid off and cancelled as per my request. I received a letter in XXXX saying my account was past due from a purchase in XXXX. I advised I had closed that card in XXXX and was advised via phone that my request had been executed. I placed the card in the company any shred bin ( as I have always done with any card I close ). Penfed advised there were two purchases made in XXXX which are not my purchases. They are now saying since the card wasnt cancelled until XXXX ( when I called about the charge and advised that the card had in fact had not been cancelled when one of their employees advised my request was executed as requested in XX/XX/2021 ) I am unsure why the employee advised it was cancelled in XXXX when it was in fact not. They are trying to hold me accountable for the {$960.00} due to what I feel was a mistake on their employees part. Of course if I find out in XXXX a purchase was made on a card I was told was cancelled in XXXX, I requested once again the card be closed and that it had NOT been in my possession for months. 

I am a single mother and always pay my bills on time but refuse to pay for something I did not purchase and be held responsible for a mistake on their employees part. I have tried and tried to explain to them that I was told the card was requested cancelled in XXXX and was told it was by one of their employees and the only reason I requested it closed in XXXX is because then I realized someone XXXX their end had in fact Not cancelled my card when they advised they had. They will not listen. 

I do not have the card information as I havent had this card in my possession since XXXX. 
The only way they found me in system lately when I have talked to them is with last XXXX of ssn and address. Address has been provided XXXX is ssn information. 

I am afraid this is adversely affecting my credit and this is concerning to me. If it in fact is I want it completely removed and resolved.
Product: Debt collection

There is a collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

XXXX Accnt # : XXXX Opened : XX/XX/2021 Balance : {$0.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my friend sent me XXXX $ worth of bitcoins on my coinbase wallet. I tried to reset my password on coinbase account since I have not used it in a long time, when I did It logged me out from all the devices and now they have this 2F security system which sends you the code on your phone and everytime it does that it sends me the wrong code! it never recognizes the code it sends me and it says " error invalid '' everytime. I tried to reach out to coinbase by Email, live chat, phone and all the social media and I am not getting any response. I want to unlock my account and send my money to my bank account and be done with COINBASE! they are scam website!!! 

Please help Thanks in advance
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

A credit card was opened in my name fraudulently when I called Bank of America to check on the account and cancel the card I was transferred and placed on hold multiple times each time I was connected after being transferred I was told that I was contacting the wrong department.
Product: Credit card

Although I contacted Citi through CFPB : XX/XX/year> Complaint # XXXX, XX/XX/year> Complaint # XXXX & received letters from Citi w/ reply through CFPB that they will STOP sending me paper mail and advertising within XXXX, their Paper Mail advertising continues ..... Please STOP SENDING ME mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX