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

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXXXXXX XXXX XXXX XXXXXXXX
Product: Student loan

Keep reporting to credit scores on an account that not to be paid until 2021 which keeps bringing down my score, which I have been trying to improve for years. I have tried to talk with them NO corrections
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my credit report for several years. Most recently, I discovered in accurate information on my credit file. Experian has 8 name variations listed on my credit report. I submitted disputes in XX/XX/2019, XX/XX/2019 and XX/XX/2019. I spoke with two representatives today, XXXX within the Impact Team and XXXX on the Fraud Team. Both informed me that they could not correct or remove the various names because they were being reported by creditors. I explained the name variations should be removed because I have only had two legal names verifiable by the Social Security Administration.  These would be my given birth name and married name ; any other variation would be incorrect and would need to be removed from my credit file. Both representatives refused to address this issue. I was informed that I would have to wait for an investigation to be completed to determine if any changes would be made. In addition, I explained to both representatives that the name variations were most likely the result of identity theft of which I provided a copy of the identity theft report and affidavit.
Product: Debt collection

Hi, I have tried to have this identity theft issue resolved with National Credit system. However, they have not tried to help me with this issue. Someone used my Social Security Number for an apartment that I never lived in. During the time of the " lease '' I was living in California, not in XXXX. National Credit System suggested that I pay the balance of {$6000.00} even though the debt does not belong to me. I refuse to do so, National Credit System has also verified the information on file is not matching my name, DOB, addresses, or references info such as parent 's info. I would really like to speak with someone regarding this issue. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I Made A Transfer From My TD Bank Account To My XXXX XXXX XXXX Account In The Amount Of {$300.00}. 

The TD Bank Transaction Confirmation Of Check # XXXX : XXXX TD Bank 's Statement : " Your Check May Be Cashed And The Money Withdrawn Before, On, Or After XX/XX/2023 '' I Closed My TD Bank Account On XX/XX/2023 After I Had Waited Two Weeks ( 1 Week Processing / 1 Week Waiting ) For The Transfer To Go Through And Although There Was A Debit On My TD Account, There Was No Credit On My XXXX XXXX. 

Finally, TD Bank Transferred The {$300.00} To My XXXX XXXX Account On XX/XX/2023. 

Then, On XX/XX/2023, TD Bank Reversed The Charges Back To Themselves And I Was Charged A {$5.00} Return Deposit Item Fee From My XXXX XXXX Account.
Product: Credit reporting

After Disputing my credit with Equfax by phone and on line the online report became unavailable. They continue to report multiple accounts it took 3 weeks to get them to send me a copy of my report by mail. They refuse to update my address information and are still reporting an address I have never had which ccould be associated with Idenity theft XXXX XXXX XXXX, XXXX Tx XXXX I have disuted this address several times. I never lived here or know how it has come to be on my report. They contine to report my student loans multiple times when I called the collection agencyes who they show to be reporting them I was told thet the reason they are showing up on my report is because Equifax is sending them repeated investigations ect but that they should have droped off after 30 days as they are no longer reporting them the loans have been discharged and I no longer owe them. They are reporting them 9 times.While there were only XXXX loans that have been completley dicharged. Also they have elected to now only report my negative credit and have erased all of good credit. which is only being reported by XXXX and XXXX. They wiped it off since 2013 when I last disputed my credit with them. Now because off their missreporting the amounts of inaccurate debts that were part of Identy theft XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. They continue to report these account along with the collection agencey who continue to harrass me in regards to the stolen credit cards.By doubleing the accounts and in the case of the student loans trippleing the number of negative accounts tremendousley effecting my credit score. After contacting the above original creditors they have all told me they have no rights to the accounts they have long been sold and are not updating or any longer reporting to the credit bureaus.
Product: Credit reporting 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 U.S.C. 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 XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C. 1681 section 602 A states i have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 states, a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that to believe that the information is inaccurate.
Product: Checking or savings account

My brother XXXX XXXX XXXX XXXX in XXXX on XXXX XXXX. Wells Fargo Bank has not been cooperative in allowing me to submit at least initially electronic copies of appropriate documents about the case although other financial entities have. Due to my having difficulty submitting my complaint on your site with documents I am first submitting without documents and then request an E-mail where I can attach the appropriate documents. His wife XXXX XXXX is totally XXXX and can not handle her affairs or even XXXX XXXX. I have documentation of both of these issues including the appointment of a guardian by an XXXX court. My brother 's SSN is XXXX. I have mailed copies of documents to a P.O. BOX I was given by I do n't know if this is going to be enough to resolve this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Since XX/XX/2019 Portfolio Recovery Associates has been violating my rights by reporting an inaccuracy for the past 27 months on three different credit reports. I have attached all for reference. These NUMEROUS violations include but are not limited to 15 USC 1692A ; 15USC 1692J ; 15 USC 1681 A4 ; 15 USC 1681a2 ; 15 USC 1681A ( 2 ) ( a ) ( i ) ; Title 31 USC 3123. Per Federal Law I would like my compensation for each violation and the damages that were caused by this reporting to my credit report. 


Not only was PRA reporting the incident but the Big Three XXXX XXXX  have been reporting the inaccuracy and claiming its been verified for multiple years now. Its time they are all brought to justice.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute on XX/XX/2024 to Experian and they failed to comply with the law, 15 USC 1681 ( a ) ( 1 ) ( A ) and remove the two accounts from my consumer report, upon receipt. They only removed one out of my three disputes containing my request. My dispute was that I invoke my rights under 15 USC 1681i ( a ) ( 1 ) ( A ) to dispute the accuracy of this account on my consumer report, and I demand its immediate removal upon receipt of this dispute, as mandated by the law. After putting Experian on notice about the dispute, I called to make them aware of the dispute and it was mandated by law to have remove. The representative stated it could not be removed. Despite the statutory mandate, Experian failed to promptly remove the inaccurately reported accounts from my consumer report upon receipt of my dispute, violating my rights under the mentioned law.
Product: Credit card or prepaid card

Dear Sir or Madam : I was the Citibank credit card holder since XXXX. However, I experienced a really tough or very unprofessional customer service provided by the Citibank in XX/XX/XXXX. I asked the Citibank to close my account at XXXX XXXX  on XX/XX/XXXX, which was shown as RED font in my supporting document attached. I thought the Citibank had closed my account. However, the Citibank didn't do it until I found that the Citibank has been damaging my credit score on XX/XX/XXXX. Four months passed after I requested the Citibank to close my account. 

So I called the customer service to close my card twice between XXXX and XXXX on XX/XX/XXXX. My calls were picked up by two different customer representatives. One call lasted 10 minutes and the other call lasted less than three minutes. These two customer representatives talked to me and knew my call to close the account. However, they said they need to transfer my calls and hung it up. This is a really bad service. 

Then I used the online software and had the account closed, which was shown as RED font in the supporting document attached. 

I complain that the Citibank violated the contract that the issuer should close the account when a customer requests. The Citibank intended to force its customer to stay longer in the contract. This time it was four months after my request. I ask you our government to inspect the  behavior of Citibank. 

Thank you very much XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a recent incident involving Experian, which I believe engages in false and misleading business practices. 

On XX/XX/year>, at XXXXXXXX XXXX, I received an email from Experian inviting me to apply for a " No ding decline to your credit scores '' service. However, upon applying for this service, I was declined and subsequently hit with an instant hard inquiry on my credit report. 

I firmly believe that Experian 's advertising in this case was deceptive and led me to experience negative consequences on my credit report. 

As a result, I am formally requesting that Experian remove the erroneous hard inquiry from my credit report, as it was a direct result of their misleading business practices. 

Evidence : Email received from Experian on XX/XX/year>, at XXXXXXXX XXXX 
Copy of my credit report showing the unauthorized hard inquiry from Experian. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to ensure that consumers are protected from such deceptive practices in the future. I appreciate your attention to this issue and look forward to a timely resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I get SSI and my deposits are made to a XXXX XXXX XXXX. This morning I went to check my account and I could not access my card. Upon calling I could not access anything. After four hours I was finally able to talk to someone who said I would need to talk to a Level 2 Fraud person with XXXX XXXX. Upon trying to transfer I was disconnected. Then 2 hours later I got another representative and she was finally able to determine that I am infact ME by previous withdrawal information. I was then told by her that on XX/XX/29 someone in XXXX Florida pretending to be me had called in with all my information and had XXXX XXXX issue a new Card and it was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. She the rep with XXXX supplied this information to me. I asked her I had recently moved from XXXX to XXXX in XXXX did they have XXXX as my previous address she said that was not what they had on file. She waited for nearly 45 minutes so they could transfer me to the FRAUD Division with XXXX XXXX who told me I would be issued a new card however it would take 45 to 90 days before a refund and this CLAIM could be investigated. They said it was my fault because I must have leaked my personal information. My old card has been in my wallet since last month and no one has access to this. I had to file a police report which I did with XXXX OHIO Police Department Lt. XXXX, I put a Fraud Alert on my accounts with XXXX   and XXXX XXXX like As soon as I knew what had happened. I also contacted Social Security and will be going there on Tuesday I filed a formal complaint with Social Security through there XXXX number Fraud XXXX XXXX said they would not be refunding my SSI money I would have to pay XXXX fee for a new card. I read online today that XXXX XXXX had posted an article about Comerica Bank and the Breach of Public information of Clients and how it had affected a lot of veterans back in XXXX, https :  XXXX XXXX XXXX again wants me to send my personal information plus a police report to XXXX XXXX Texas . The same Texas that was posted in XXXX XXXX that they supposedly closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} SOC SEC ADMIN XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$5600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After purchasing a XXXX XXXX XXXX XXXX # XXXX, from XXXX XXXX many problems started to accrue with the braking system and noises coming from the back end of the vehicle. I called to have the vehicle inspected/serviced on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would have to drop the vehicle off at the XXXX Service Dept. for at least a day or two, meanwhile try to find another form of transportation because XXXX would not give me a loaner car. XXXX serviced the vehicle, but it never fixed the problem as there were still noises, etc. After dropping the vehicle off for an inspection on XX/XX/XXXX XXXX said they would replace the brakes but that they did not have them in stock, would have to order them, and it would take XXXX months for them to come in due to being on backorder ( I found out in XXXX of XXXX that the breaks were never ordered as XXXX " forgot '' to place the order for them ). 
I sent XXXX XXXX a certified letter on XX/XX/XXXX notifying them that I was refusing to pay for the vehicle until it was fixed and drivable. 
I opened a Lemon Law suite case on XX/XX/XXXX Case # : XXXX asking for a 'request for repurchase ', XXXX XXXX my case manager who did absolutely no investigation and made the decision to deny my suite within seven days ( I have all the communication emails between XXXX and I if needed ). 
I then appealed the Lemon suite decision to the NCDS on XX/XX/XXXX Case # : XXXX, which I was also denied a repurchase on XX/XX/XXXX. 
I have sent complaints about this account to the Attorney General 's office ( XX/XX/XXXX File # : XXXX ), theXX/XX/XXXX ( XX/XX/XXXX ) , and the Federal Trade Commission ( XX/XX/XXXX File XXXX XXXX XXXX ) ; both theXX/XX/XXXX and FTC never received responses back from XXXX. 
I've called XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX asking them to come reprocess the vehicle with no response back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off my mortage with XXXX. XXXX sent a letter confirming that it is paid off. However Equifax refuses to update the record. They scripted the site so that I can't send them any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PAID MY CAR NOTES ON TIME EVERY MONTH THE LOAN COMPANY IS REPORTING 5 MONTSH OF DELINQUENCY.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I received a letter from Capitol One stating the account number XXXX shown on my credit report was found fraudulent. Capitol One also stated they sent a request to the following credit bureaus XXXX, XXXX, XXXX, and XXXX to delete the above referenced acount from my credit report. The fraudulent account is currently still on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This being my last result before the court system is involved. I demand that the following inaccuracies be removed and or corrected on my consumer report. I had no idea that the credit reporting agencies were actually acting in a manner that I did not authorize or give my consent. Pursuant 115 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require everything listed in this complaint is removed/deleted/corrected immediately. This is my complaint and I have completed this on my own for myself. 
DELETE THESE ACCOUNTS : XXXX. XXXX, XXXX XXXX, XXXX XXXX  XXXX, AL XXXX, XXXX XXXX  XXXX, AL XXXX XXXX/XXXX XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX  XXXX CORRECT LATE PAYMENTS ON : XXXX XXXX, XXXX/XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX REMOVE THESE INQUIRIES FROM MY REPORT : XXXX XXXX, XXXX, XXXX, XXXX 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

On XX/XX/2023, I remove my credit freeze from Experian because I was applying for a job, on XX/XX/2023, around XXXX XXXX I tried to login into my Experian Account to place back a freeze on my account, however, I could not, I tried to reset my password and forgot my username options, I found out that my email address, was changed, I immediately call Experian Customer Service to get help, they could not help me out they bounce me from department to department until a representative gave me an email to send a copy of my driver 's license, passport, social security card, and a utility bill, I did send the documents within an hour, I called them to verify if they receive and told me they did not know if they get them because that was a back office department, I asked for help because the criminal that changed my email address tried to open several credit cards and loans under my name. 

Experian does not care about service and their reps laugh about the situation that is happening to me. 

Please help me out.
Product: Credit card

My Credit Union payed off my balance to Citi Cards on XX/XX/XXXX for XXXX on XX/XX/XXXX I called Citi bank because it hadnt been applied to my account. I called again XXXX  times and spoke to XXXX Supervisors since XX/XX/XXXX XXXX till XX/XX/XXXX because still no credit to my account I called my Credit Union found out the check had been cashed by Citi Bank on XX/XX/XXXX XXXX and my Credit Union has issued a copy of the cashed check cashed by them. My full name, Address, and account number is on the check and I sent a copy of the cashed check that went to Citi investigation and still they have not credited my account. I have made a payment to the account on XX/XX/XXXX since they claim they didnt have the check and they have the check and cashed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate information not mine no knowledge of the credit reported also disputed to ftc sent pr report to all company involved