23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I got a payday loan on XX/XX/19 for XXXX , payback {$780.00}, Advance America XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. XXXX is closing down, I agreed to pay back {$200.00} for, I thought was 4 months, when i went in on XX/XX/19, they tell me I have 7 more payments of XXXX .? thats {$1800.00} on a {$700.00} loan! I am on XXXX XXXX and can not make these payments! Company said, sorry!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified accounts listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the accounts in my Credit Report : XXXXXXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {>= $1,000,000} Late/Open Late Date XXXX, XXXX XXXX XXXXXXXX Date Opened:XXXX  Balance : XXXX XXXX-Late/Open Late Date XX/XX/XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Dates XX/XX/XXXX
Product: Debt collection

This Debt and Account was closed by transunion. Please delete from my credit report completely. I will attach my evidence showing deletion
Product: Money transfer, virtual currency, or money service

Not providing effective customer service for Cash App customers to solve problems in a timely manner. The bureau 's report stated that fake customer service lines stole customers ' information. 
Not taking appropriate action to " detect, limit and address fraud '' on Cash App. 
Using the chargeback process instead of investigating and solving unauthorized transaction disputes in a timely manner. 
Misrepresenting its ability to protect customers from unauthorized transfers and its customer support phone line.
Product: Debt or credit management

I dispute this collection every month! Nothing changed, I have no knowledge of this account, i dont even own a credit card.
Product: Checking or savings account

On the XXXX of XXXX I received a correspondence from BMO Harris Bank reference information on my account. An account I never opened. I contacted the Bank today, the XXXX of XXXX, and cancelled the account. 
The account was with BMO Harris Bank N.A., XXXX. XXXX XXXX, XXXX, IL. XXXX. The Statement Period is XX/XX/21 to XX/XX/21. Deposit Account Summary Previous balance XX/XX/21 balance XXXX Ending balance XX/XX/21 XXXX No deposit activity during this statement period.
Product: Credit card or prepaid card

In XX/XX/2017 my payment did not go through when it was on auto bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

The account was not validated and removed from XXXX, XXXX and XXXX now the credit has sold the debt to a different agency and placed back on my credit report illegally. 

This is against the FCRA and my rights has a consumer. 

Jefferson Capital brought debt that was never validated prior and has been removed off all credit reports ..Now new sold debt is back on XXXX report illegally.
Product: Credit reporting or other personal consumer reports

I recently noticed that your company pulled up my credit, and there are inquiries listed that I dont recognize. This is really stressing me out because I didnt authorize these, and now its messing with my credit score. I need this issue resolved ASAP and those inquiries removed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( XXXX ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in XXXX 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I mark as inaccurate : XXXX XXXX XXXX, XXXX XXXX XXXX, MISSOURI HIGHER XXXX, MISSOURI HIGHER XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I was disheartened to find unauthorized inquiries on my credit report, and I have no idea why they're there. My routine credit check revealed discrepancies that appeared out of the blue. I even tried refreshing my browser, hoping it was just a glitch, but the inquiries remained. Given this issue, Im urgently requesting that the documents Ive submitted be reviewed thoroughly so I can have peace of mind.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 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 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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: Checking or savings account

I made a purchase for the XXXX XXXX class with The XXXX XXXX for {$1800.00} on XX/XX/2022. The website was having difficulties and eventually the purchase went through but I did not receive the class. I contacted the XXXX XXXX where they told me that they had never received payment and if there was a charge on my account to contact the bank. I proceeded to contact the bank where they told me that I needed to call back to dispute the charge when the charge posted to my account. I waited 3 days and called back and was told a provisional credit would be in my account 24-48 hours after the phone call. I called after the 48 hours had passed and the provisional credit was not there and then they said it would take another 1-2 days. I then reached out by chat where they told me provisional credits take up to 10 days to appear in the account from the date of the dispute. I waited the 10 days and still had nothing returned to me. To make this even more ridiculous, they said that I would be sent a document to fill out and either send back or take to the bank. They said if I took it to the bank, the provisional credit would be in the account on the same day. I received the document, took it to the branch and they faxed it over. My provisional credit was still not returned to me after that. It has now been a month since I first disputed this transaction and the bank is still refusing to return the money to my account or provide me with provisional credit. This was not a case of buyers guilt as one of their representatives on the phone very rudely suggested it was. I had to work out a payment plan with The XXXX XXXX in order to purchase the class for my fianc who is registered to take her XXXX in XXXX and could no longer wait to register for the class as this was the last class she could take before her exam date. They are violating their own policy of provisional credit within 10 days and almost prevented my fianc from taking her class. Not only do I want my money returned to me, but PNC will need to do something to make this right as this has caused us both an extreme amount of stress and if I am not satisfied, I will be seeking legal counsel to sue for the theft of my money and the damages of the pain and suffering caused by the theft of my money to my fianc and to myself.
Product: Debt collection

I learned about 2 separate collection accounts for 2 different apartment communities. I have never lived or applied to either community before. The actions look place in XXXX and XXXX. During this period, I lived and still currently live in XXXX, FL. I attempted to contact the property management company XXXX for 1 of the apartments, however they are no longer affiliated with the community. The 2nd apartment confirmed that a debt is not owed in my name, however the debt collection company refuses to remove without proof. This particular debt was removed once, but has reappeared.
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 USC 1681.

Account name : XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX Account name : 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 : It also 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 
, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Debt collection

I am writing to formally dispute inaccurate information that is being reported on my credit report by the major credit reporting agencies. Despite multiple disputes, the inaccuracies remain uncorrected. I have disputed these inaccuracies directly with XXXX, TransUnion, and XXXX multiple times, providing all necessary documentation to support my claims. However, the agencies have failed to correct the information, continuing to report inaccuracies that are damaging to my credit profile. According to the Fair Credit Reporting Act, credit reporting agencies are required to report accurate and verifiable information. The persistent inaccuracies and lack of corrective action necessitate the deletion of these disputed accounts from my credit report. 

The continued reporting of inaccurate information is causing significant harm to my financial standing and overall creditworthiness.
Product: Money transfer, virtual currency, or money service

Coinbase KYC department freeze my account for 3 months, they continue to ask me same question and hold my money for there purpose obviously, several times I asked about to close my account and realized my money to MY VERIFIED BANK ACCOUNT, but they CONTINUE to hold my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN IN CONTACT WITH EQUIFAX OVER XXXX IN THE LAST MONTH FOR AN ERROR THAT THEY MADE ON MY REPORT. I CONTACTED THEM YESTERDAY TO HAVE THEM UPDATE THE ADDRESS AND THEY DID. BUT, AFTER CHECKING ON IT THE FOLLOWING MORNING, IT HAS BEEN CHANGED BACK TO THE INCORRECT ADDRESS ONCE AGAIN. I HAVE SUPPLIED THEM WITH MY VERIFICATION DOCUMENTS THAT CLEARLY STATE MY CURRENT ADDRESS AND THE CORRECT SPELLING OF MY NAME. YET, THET ARE BLATANTLY FURNISHING INCORRECT INFORMATION ON MY CONSUMER FILE. MY CORRECT ADDRESS IS LISTED ON MY DRIVER 'S LICENSE THAT THEY HAVE COPIES OF AND STILL CAN'T GET IT RIGHT. THIS IS AFFECTING MY ABILITY TO COMPARE MY CREDIT REPORTS BECAUSE OF THE CONFLICTING INFORMATION THE FRAUDULENTLY FURNISH FOR ME. I AM NOT ABLE TO BE APPROVED FOR FINANCING, I'M UNABLE TO GET CREDIT CARDS, I AM UNABLE TO CORRECT INACCURATE INFORMATION ON MY CONSUMER REPORTS BECAUSE OF THE CONFLICTING INFORMATION. I AM ASKING THAT THE CFBP HOLD THE RESPONSIBLE BY COMPENSATING ME FOR THIS UNWARRANTED STRESS NOT ONLY ON ME BUT ALSO MY FAMILY BECAUSE THEY DEPEND ON ME TO BE A PROVIDER. HOWEVER, I CAN NOT PROVIDE IF MY CREDIT IS BLEMISHED. MY CURRENT IDENTIFICATION IS ATTACHED SO THAT THESE ERRORNEOUS ADDRESS THAT THEY PUBLISHED CAN BE PERMANENTLY DELETED. I HAVE DISPUTED THE FRAUDULENT INFORMATION SEVERAL TIMES, YET THEY ARE IGNORING MY REQUEST. ALL I WANT IS FOR THEM TO PROVIDE ACCURATE INFORMATION AS THEY HAVE PROMISED TO DO SO. I HAVE NO OTHER CHOICE BUT TO REQUEST DAMAGES FOR THEIR BLATANT DISREGARD AND DISRESPECT THAT I RECEIVE EVERY TIME I CONTACT THEIR XXXX CALL CENTER REPRESENTATIVES.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 from erroneous reporting in my file are listed on my credit report : 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
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XXXXXXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. The Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark listed inquiries as fraudulent and remove from my credit Report. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have no supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, therefore any such debt, in fact does not exist. In accordance to the fair credit reporting act, this account has violated my rights as U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

I ALSO DO HAVE AND DO NOT RESIDE AT THE ADDRESS IN WHICH THESE COMPANIES PROVIDED THUS IS ILLEGAL WITHOUT MAIL VERIFICATION TO REPORT INACCURATE INFORMATION ON MY BEHALF
Product: Credit reporting or other personal consumer reports

My brother stole my identity and got these accounts under my name.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with XXXX XXXX XXXX that was fraudulently opened in my name due to identity theft. 

Please remove collection fraudulently account : XXXX XXXX XXXX Opened : XX/XX/XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information. 

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : XXXX. A copy of my government-issued ID. 
XXXX. A copy of a recent utility bill ( to verify my address ). 
XXXX. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ]. 
Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


Sincerely, XXXX XXXX