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

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax in regard to a reporting account that has some discrepancies. 
XXXX is reporting a balance for a civil matter, I do not owe any money and they have failed to provide me with any type of verification. They are also reporting last payment XX/XX/XXXX oppose to XXXX has last payment date as XX/XX/XXXX. There is no way this account is accurate. Late payment reporting, etc are all incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several unauthorized inquiries on my credit report that I would like removed Inform them that according to the FCRA these unverified and unauthorized items must be removed. TransUnion is not cooperating with removing these inquiries which is illegal. XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Home shopping ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have no idea what or who credence RM is and this is defamation of character i would like this debt removed under act [ 15 U.S.C. 1681 ] I'm trying to purchase a house and this is negatively affecting my score
Product: Payday loan, title loan, or personal loan

I tendered payment via an ambiguous negotiable instrument in the form of XXXX XXXX XXXX XXXX XXXX in the amount of XXXX in accordance with HJR-192, UCC 3-603 and UCC 3-311 to One Main Financial on XX/XX/2022. They did not accept my legal instrument and refused to credit my account according to public law and are in dishonor in question without levy and without recourse. I have been denied my rights by this company choice to not honor even though it stated they are too under UCC 3-603 and 3-311. as well as public law of a Negotiable instrument
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

Senior account specialist at American Express is contacting me multiple times a day, has contacted multiple family members, and has now put my job at risk by contacting my employer on XX/XX/18. They are sharing my personal business with my family, and now are jeopardizing my job.
Product: Credit reporting or other personal consumer reports

approximately 2 months ago XXXX XXXX  appeared on my credit report as an account in collections ... .. they seem to be representing charter communications and saying that I owe {$600.00}... I disputed this debt because I have no knowledge of it and was never sent any type of bills...
Product: Credit reporting or other personal consumer reports

My federal student loans were transferred from Nelnet to XXXX. There should only be a balance with the XXXX loans since I no longer owe any balances to Nelnet. However, both Nelnet and XXXX are reported with the same balance, duplicating the amount I owe and making it appear that I owe twice as much money as I actually do. I have contacted both servicers and have also filed disputes with the reporting agencies, but they have not done anything to resolve the issue. I just read an article in the XXXX  XXXX that there are at least XXXX XXXX duplicate student loan records appearing on credit reports, and they are from borrowers that had loan balances transferred from Nelnet to XXXX as well. This has been reported incorrectly on my credit for over a year now and I deserve a resolution.
Product: Consumer Loan

I contacted Pentagon Federal Credit Union to inquire about products and services. After establishing an account, I called back that same evening to apply for an Auto Loan. When applying for the auto loan with the second representative, he offered and and asked if I wanted some type of insurance product that would take care of payments in the event that I was injured/etc. What I found EXTREMELY disturbing is that fact that the rep asked if I had been diagnosed with XXXX, an XXXX, or XXXX. That is confidential and personal information. No customer service representative should be qualified to ask for that information. No customer service representative should be privy to a customer 's name and potential XXXX, and/or XXXX status. In addition to this, this is discriminatory lending practices. This is not ok.
Product: Credit reporting or other personal consumer reports

I filed XXXX  on XX/XX/XXXX. The XXXX XXXX XXXX was notified of the XXXX. After the discharge on, XX/XX/XXXX the creditor sent me a bill demanding payment. My attorney advised that I send the creditor the XXXX  case number and to inform them the debt had been XXXX. The creditor insist that I pay for a XXXX debt. They have reported me late post XXXX  and my credit has been impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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. 

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and Equifax, XXXX and XXXX have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference
Product: Credit reporting or other personal consumer reports

Subject : Inconsistent and Inaccurate Reporting by XXXX XXXXXXXX and TransUnion Complaint Details : I am submitting this complaint regarding the inconsistent and inaccurate reporting of my debt by XXXX XXXX ( Account Number : # XXXX ) and TransUnion XXXX I demand a ESCALATION ON THIS INVESTIGATION because Despite providing proof of the discrepancies, TransUnion continues to validate the debt as accurate. 

Inconsistencies : Last activity date : - TransUnion : XX/XX/XXXX - XXXX : XX/XX/XXXXXXXX XXXX XXXX : XX/XX/XXXX Late payments : - TransUnion : XXXX XX/XX/XXXX day late payments- XXXX and XXXX : 1 30-day late payment Payment history : - TransUnion : 100 % payment history - XXXX : 98 % payment history - XXXX  : 93 % payment history Harm caused : Inaccurate reporting has negatively affected my credit score and ability to obtain credit.

I have experienced emotional distress and frustration due to the lack of resolution despite providing proof of the discrepancies.

I demand immediate escalation of this investigation and removal of the inaccurate information from my credit report.

Request : Investigate XXXX XXXX and TransUnion for inaccurate and inconsistent reporting. 
Require XXXX XXXX to provide proof of any late payments. 
Remove the inaccurate information from my credit report. 
Take appropriate actions to ensure the accuracy and consistency of credit reporting. 

I also demand proof of last payment or activity & written documents of each step took in this investigation. 

I will also like an explanation for the inconsistent reporting, including : Reason for different last activity dates across credit bureaus. 

" I am disputing the information reported by XXXX XXXXXXXX on my credit report due to significant inconsistencies and inaccuracies. Specifically, the last activity date and late payment information are contradictory across credit bureaus, violating FCRA sections 605 ( a ) and 605 ( b ). Despite my previous disputes, XXXX XXXXXXXX has failed to correct this information ( FCRA 623 ( a ) ( 1 ) ) and conduct a reasonable reinvestigation ( FCRA 623 ( a ) ( 2 ) ). I demand immediate correction and removal of the inaccurate information to rectify this situation and ensure my credit report accurately reflects my financial history.
Product: Payday loan, title loan, or personal loan

I agreed to a loan from this company, only to find out that they are not a legal lender in my state ( XXXX ). 

After repaying the principal amount, as well as a significant amount of interest, I advised this company that the borrowed principal was paid back and that I was revoking ACH authorization and requesting acknowledgement that the account was paid in full. 

As of this date, this request has not yet been satisfied.
Product: Student loan

My wife and I currently qualify to have our joint consolidation loan separated under a literal act of congress passed last year and we qualify for public service loan forgiveness ( PSLF ) as of several years ago. Our loans, under the law, should already be separated and forgiven. ( I fully understand that Department of Education ( DoE ) plans to have a fix by late next year which is not nearly soon enough. ) I had contacted my servicer ( Navient ) and they initially gave us three 2-month administrative forbearances while waiting for DoE to follow the law and separate or loans. Meanwhile DoE has provided some information indicating that we should contact the DoE Ombudsmen to let them know that we qualify and discuss a forbearance. See attached email and paragraph 7 of the web page at https : //studentaid.gov/XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the DoE Ombudsmen office previously and received a boilerplate reply that failed to address administrative forbearance while we wait for DoE to follow the law. I contacted Navient again recently to extend my forbearance and they indicated that they would not be providing administrative forbearance for people in our situation ( people like me who qualify for loan separation, etc. ). I am beyond frustrated that we worked so hard to get legislation passed and now Navient is ignoring the guidance from DoE regarding forbearance eligibility. I need help communicating the guidance at the above link to Navient and providing a path forward to a forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the market for a home, so recently i pulled my credit report to see what my score was and i see items on my report that are not mine. This is completely unacceptable and totally embarrassing. I need these items removed from my credit report. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX. I have also contacted my city police and contacted the FTC as well.
Product: Credit reporting or other personal consumer reports

Statement for FTC Identity Theft Report I am reporting identity theft that has resulted in unauthorized accounts and activity on my credit report with XXXX. Specifically : XXXX. XXXX XXXX  XXXX, a closed account, has been unlawfully reported with late payments, despite no association with me. 
XXXX. XXXX XXXX is reporting a 60-90 day late payment, which must be removed immediately, as this was not authorized. 

This activity violates my rights under the Fair Credit Reporting Act ( FCRA ) and lacks valid permissible purpose. Furthermore, I received a Notice of Data Security Incident from the XXXX XXXX XXXX XXXX about a breach that compromised my personal information, triggering unauthorized activities and a domino effect on my credit profile. A police report has been filed regarding this matter. 

Additionally, the following hard inquiries must be removed immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. 

This issue should have been resolved like yesterday. My attorneys are ready to pursue further legal action if these items are not addressed and corrected promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXXXXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXccount # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # 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
Product: Debt collection

Mariner Finance harassed the debtor with callsup to six or moretimes per day despite the fact that the payment was only one day late and every day thereafter until the payment was satisfied. After changing their phone number, Mariner Financefiled a small claims suit for collection without giving adequate notice via other communication methods, as soon as day XXXX. The debtor 's debt collector, " XXXX, '' threatened the debtorwith placing a lien on any ownedproperty regardless of the debtor attempting a payment arrangement offering the debtor no program for hardship, citing a judgement against them regardless, even prior to the hearing. The company continued the harassment on call, after the hearing, alleging a judgment against them whilst still demanding payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not sent in error, on XXXX XXXX, my information was used to open a Store credit card that I didn't not agree to. I contacted the company JARED the galleria and XXXX XXXX to have the inquiry and card closed .However they continuously transfered me to other employee and not the fraud department. Every employee states they do not have a fraud department.However this is a violation under multiple laws : -under 15 U.S. Code 1602 ( p ) - unauthorized use of my information -Misleading False Reporting FDCPA Section 807 -This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.
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 These actions have caused significant inconvenience and financial loss, and I seek appropriate redres. for these violations.
Product: Vehicle loan or lease

To whom it may concern, I'm always very on top of making payments on time..

I have a auto lease with Gm Financial and my account was set up on auto pay ( conformation attached ) to make payments. The lease experience with GM ran smoothly until I got a email one day ( attached ) that my payment is past due. I was surprised as I knew that the payment was on auto pay and my bank account always had the funds available. After calling GM I was notified that my account was removed from auto pay by GM as it was past 30 months so GM resets the Auto pay setting. The problem is that I was never notified that my accounts auto pay will be disabled. If I would have been notified I would have been more on top of making the payment. The only notification I got from GM was only after my account was already passed due. I immediately made the payment once I was notified ( conformation attached ).

GM reported the late payment on my credit report which is severely damaging my credit score.

When I discussed it with a GM rep they did confirm that no notification was sent to me about this change they where not sure why. They said they will look into if they can remove the late mark from my credit report. But i Never heard back from anyone.
Product: Mortgage

Contacted XXXX XXXX XXXX  to request removal of PMI now that my loan has gone below XXXX XXXX XXXX. They responded that theyd review my account and respond in writing. Three weeks later and still no response. Ive reached out to them multiple times trying to get confirmation that the PMI has been removed, no answer. Please resolve ASAP.
Product: Credit reporting or other personal consumer reports

CFPB Dear sir/madam i would like to file a complaint against Experian consumer services. The company has violated the FCRA code 15usc1681i ( a ) 1 ( A ) That clearly states " If the completeness or accuracy of any item of information in the consumer file at a Consumer Reporting Agency is disputed by the consumer the Agency shall conduct a reasonable re-investigation to determine whether the disputed information is inaccurate or DELETE the item from the file before the end of the 30 day period ". The 30-day period has ended, and Experian did not re-investigate my dispute or deleted the inaccurate personal information., from my file. 
see attached document my first dispute letter. 
XXXX XXXX XX/XX/2024
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before i seek litigation for defamation of character ). XXXX XXXX XXXX {$1200.00}
Product: Credit card or prepaid card

I was approved for a Secured Credit Card through Capital One, it said I could add funds onto it by XX/XX/XXXX. I only added {$100.00}, and was going to add more the first week of XXXX. I received the card on XX/XX/2021 and I activated it. I called Capital one and spoke to a rude so called " manager '' and she said I could not add any more funds to it because I activated it!! I never received any documentation showing that if I activated it I could no longer add funds by XX/XX/2021. This is total misrepresentation of the card and I want to add more funds on it around XX/XX/2021. 
They can not continue to mis lead consumers in this manner!