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

I am writing to file a formal complaint regarding unlawful actions taken by XXXX XXXX XXXX, XXXX XXXX a creditor reporting erroneous information on my credit report. Specifically, I believe XXXX XXXX XXXX, XXXX XXXX has violated provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, by re-aging debt and continuing to report collections month after month in an attempt to extend the statute of limitations for this debt. 

Background I have been closely monitoring my credit report, and I noticed that XXXX XXXX XXXX, XXXX XXXX has been reporting the same debt account every month as new, even though the account is significantly older and should have been reported as a closed or static debt. This ongoing re-reporting seems to be a clear attempt to extend the statute of limitations illegally, as the debt in question is beyond the legal timeframe for collection or enforcement under my state 's statute of limitations laws. 

Violation of Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, creditors are required to accurately report the date of first delinquency and refrain from continuing to update the date in order to manipulate the reporting period. In this case, [ Creditor 's Name ] has been inaccurately updating the delinquency information, which has resulted in misleading information on my credit report. Section 1681s-2 ( a ) explicitly prohibits the furnishing of inaccurate information to credit reporting agencies. 

Additionally, the practice of continuously updating delinquent accounts to manipulate the age of the debt violates both the FCRA and the Unfair and Deceptive Acts and Practices ( UDAP ) under 15 U.S.C. 45 ( a ). Such deceptive tactics create an unfair burden on consumers by negatively impacting credit scores and extending the threat of collection indefinitely. 

Requested Action In light of these violations, I respectfully request the CFPB to : Investigate XXXX XXXX XXXX, XXXX XXXX for improper re-reporting of collection activity to credit bureaus. 
Require XXXX XXXX XXXX, XXXX XXXX to immediately cease the unlawful practice of re-aging this debt. 
Enforce penalties against XXXX XXXX XXXX, XXXX XXXX for their violation of federal laws, including the FCRA and USC provisions. 
Ensure that the negative account reporting is removed from my credit report. 
I have enclosed copies of relevant portions of my credit report as evidence of the improper reporting. Please feel free to contact me if any further information is required to investigate this matter. 

Thank you for your time and attention to this serious issue. I trust that the CFPB will take appropriate action to protect consumers from unlawful and unfair reporting practices.
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/block any items 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
Product: Credit card or prepaid card

On XX/XX/21 I was notified by XXXX XXXX, XXXX a new account was opened in my name. I had not opened a new account. The account was listed as THD/CBNA, which is XXXX XXXX XXXX Citibank XXXX XXXX XXXX I have frozen all my credit through XXXX XXXX, and XXXX as well as disputed this on my credit report. I have filed a police report with my local authorities. I have also contacted XXXX XXXX and let them know I did not open this account. In the process of doing this I checked my balance the limit is {$5000.00}, with charges totaling almost {$5000.00} on the account. I am not sure where the purchases were made or who might have made them.
Product: Credit card or prepaid card

Opened a secured credit card online and found out they do not accept online payments, only over the phone with a {$10.00} charge. Cancelled the card prior to the card even arriving. The rep refused to give me my account number when I tried to close the account. The account was opened and I hadn't received the information yet, but was opened and reported on my credit. The rep said I didnt need to mail anything back or in. The company said it would take 10 weeks to receive my deposit back but couldnt tell me what account number was closed and collected an annual fee from my cancellation ( which was fine, but was unable to advise the account the fees were being taken from ). I asked to he transferred to a supervisor and she refused to transfer me or give my information to me. 
Call : XXXX XXXX  cst With : XXXX XXXX XXXX Customer Service Rep, XXXX XXXX XXXX : XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX  XX/XX/XXXX {$2700.00} XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} PORTFOLIO RECOVERY XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am to formally expressing my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off on my account that IS NOT a charge off. 

Payment to Lien/Lease holder ( if applicable ) {$11000.00} - XXXX XXXX Total Net Payable to You {$3400.00} - XXXX XXXX XXXX XXXX XXXX has not verified the payment received for the 10 day payoff that my insurer paid to this lender in full. This is very unsettling as I have been attempting to resolve this but it just keeps going after evidence is presented. I am not sure where to go from here but I do know I will continue my dispute for this account as it is inaccurate. 

My vehicle was declared a total loss with my insurer, XXXX XXXX in XX/XX/2020. At that point, XXXX XXXX contacted my auto lender, XXXX XXXX XXXX. XXXX XXXX then in turn received a payoff in the full amount of which was valid for 10 days via whatever portal these companies utilize. XXXX XXXX issued the payment and it was cleared. I even received {$3500.00} AFTER this account was paid in full as per the documents attached. I have been trying to get this off my credit fill and been in contact with XXXX who has been unwilling to assist and hung up on me multiple times nor responded to my e-mails. XXXX is not even affiliated with the XXXX  and I have filed a report with them as well. I did contact XXXX XXXX who paid off XXXX for this loan IN FULL and they were kind enough to provide me with secured e-mail transcripts showing where a loan insurer with XXXX DID receive the payoff AND released the title to the vehicle. Documentation is attached showing the communication between XXXX and XXXX XXXX ( who paid this off IN FULL with a 10 day payoff they received ). 

ALL of this account is inaccurate with payment history not reflecting from my insurer, etc..it shows the last payment was on XX/XX/2020 HOWEVER, a payment in full for a 10 day payoff quote was made on XX/XX/2020. 

This account needs to be removed immediately due to FALSE reporting from the furnisher.
Product: Checking or savings account

Received an email notification on XX/XX/22 that my SoFi Money ( Checking ) account has been restricted. I have called 39 times and left voicemails on their designated fraud security hotline as well as email ALL departments and tag in social media to get attention. No one from SoFi has returned my call or provided any explanation why my account is restricted and not currently under review. My directed deposit from my employer was rejected and returned causing delays as well as attempts to withdrawal the remaining available balance to make a payment to my SoFi loan.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

I opened a account was very clear I needed the bank account for work due to XXXX stealing my money I had trust issues a employee took over my account now he has my address phone number identity he was able to send or retrieve funds because someone noticed odd nobody helped me resolve the matter nobody would talk to me it was swept under the rug I sent emails that were disregarded I didn't sue because I thought I needed money up front
Product: Credit reporting or other personal consumer reports

This is a formal complaint that GM FINANCIAL have reported inaccurate and incomplete credit information to the credit bureaus. 

Federal laws require furnishers of information to report accurate credit information to the credit bureaus and in this case, GM FINANCIAL have failed to do so. Every step must be taken to assure the information reported is completely accurate and correct. I disputed the following information over XXXX  days ago and you have not yet responded : Re : Acct # XXXX Make of car : XXXX  Model : XXXX XXXX XXXX XXXX XXXX This inaccurate information must be deleted from my credit file immediately. Please contact the credit agencies you have reported it to and remove this misleading information from my credit profile.

Under federal law, you must complete your re-investigation in a timely manner. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX ( XXXX ) days of the completion of your investigation. 

I have attached my original letter, documents and USPS tracking #
Product: Debt collection

I keep getting calls from Porfolio Recovery. on a debt I don't owe. I havent had a credit card in over 10 years
Product: Checking or savings account

I have not received my direct deposit as of XXXX at XXXX. The amount is {$710.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX account number XXXX opened XX/XX/XXXX has sold my information to XXXX XXXX which is a company that is not licensed to collect in there state neither in the state of Georgia. 

XXXX XXXX XXXX  account number XXXX opened XXXX XXXX has sold a debt to XXXX which is not licensed to collect in either. 


XXXX XXXX XXXX is a inquiry on XX/XX/XXXX that does not reflect to any open accounts on my profile. 

XXXX XXXX is a inquiry on my credit report that does reflect any open accounts on my credit. 

XXXX XXXX  XXXX XXXX on XX/XX/XXXX is a inquiry that doesnt reflect as a open account on my credit report. 

XXXX XXXX XX/XX/XXXX account number XXXX is not reporting correctly alleging that I was late on payments which is not true. 

XXXX XXXX XXXXXX/XX/XXXX account number XXXX is not reporting correctly alleging that I have made late payments which is not true.
Product: Debt collection

We have been contacted by PayPal 's collection department twice. We do not and have NEVER had an account with PayPal. I ignored the phone calls until today in which I contacted them by phone and made it clear that we DO NOT AND NEVER HAVE HAD AN ACCOUNT WITH PAYPAL AND THEY ARE NOT TO CONTACT US AGAIN! I then pulled up their website online and filed a written complaint in which I stated that in XX/XX/2009, they charged my Visa card over {$6000.00} for the purchase of gold bullion. This was the beginning of years to date of extensive ID theft and fraud that initiated our personal and financial information sold all over the world. We did file a police report with our local fraud department and was assigned a detective. PayPal refused to reimburse me. They insisted that one of their reps had spoken to me directly to approve this transaction. After a lengthy investigation that ended up with the case being forwarded to the FBI, they did reimburse me and were told never to contact us again pending criminal fraud charges as my husband is a XXXX veteran. I made all of the above very clear in my written complaint on the PayPal website and once again made it very clear that we do not and never have had an account with PayPal and NEVER WILL! I warned them not to contact us again or I would file a civil suit against them. They are wholly responsible for the devastation of our lives and I will hold them liable if they attempt to contact us again with what is CLEARLY IDENTITY THEFT AGAIN!
Product: Debt collection

I have sent several letters to this agency asking for discovery. No one at this agency called Independent Recovery has sent me any proif of debt. The debt is under XXXX XXXX. My name is XXXX XXXX. They advised my file was being handled by an attorney whos number was given to me by XXXX the collections dept supervisor. I called this attorney and he has not returned my call. This has been going on for almost a year. Please help me they have violated fcra requirements. 
XXXX number is XXXX XXXX. 
The attorney who refuses to discuss with me or return my calls name is XXXX XXXX his NUMBER is XXXX XXXX. Ive asked for proof several times and by law if they cant provide it they must remove it. Please help me. There are 5 accounts in question. 
XXXXXXXX XXXX, XXXX, XXXX ( 3 duplications of this account ), XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2023 Hard inquiry placed my Capital One, where I did not apply for any credit from the Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed hard inquiries in my credit report, I did not know about them, I do not recognize any of them, there should be a mistake. These matter is having me very concern since I did not know about this issue, there are 7 inquiries from the past and they are affecting my credit very much. I wish to resolve this matter as soon as posible please XXXX XXXXXXXX XXXX XXXX Universal credit service XXXX XX/XX/XXXX Credit plus. XX/XX/XXXX Universal credit Service XX/XX/XXXX Universal Credit Service. XX/XX/XXXX Credit Plus. XXXX XXXX US Departament of edu XXXX XXXX As you can see
Product: Checking or savings account

Bank of America has XXXX listed on their website for customer to transfer funds, but they did not say it is not protected for fraud transaction or scam. I trusted BOA, so I trusted XXXX. I tried buying a ticket for my son online, after sending money {$65.00} by XXXX with BOA, the seller disappeared, I never got the ticket or refund in the past 2.5 weeks, reported to BOA, no response. 

BOA 's online information is not accurate, which is misleading, BOA should state that XXXX funds transfer is not protected, should only happen with family and friends. So BOA should be partially responsible for this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX accounts, XXXX XXXX XXXX, XXXX BANK, XXXX XXXX BANK, and 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: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I have sent the attached letter to Transunion stating " According to the FCRA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see VERFIABLE PROOF ( an ORIGINAL CONTRACT WITH MY SIGNATURE ON IT ) you have on file of the accounts listed below. Your FAILURE to POSITIVELY VERIFY these accounts must be removed and if you are unable to provide me a copy of VERIFIABLE PROOF, YOU MUST REMOVE THE ACCOUNTS LISTED BELOW. '' The accounts I am addressing WITH PROOF of letters from the companies are XXXX XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX. I have separated and reported separately the XXXX XXXX ACCOUNTS with legal documentation. 

You will see there is NO PROOF OF A CONTRACT, NO PROOF OF MY SIGNATURE, ACCOUNTS TAKEN OUT NOT USING MY FULL NAME AS I USE WHEN APPLYING FOR LINES OF CREDIT, NO PHONE RECORDING OF ME ASKING FOR A LINE OF CREDIT, NO VIDEO SURVEILANCE OF ME APPLYING ONLINE FOR A LINE OF CREDIT. 

How then, with this proof, is TRANSUNION VERIFYING 100 % that these are indeed my accounts. THEY CAN NOT and the proof is attached. Statements, payments made by someone, goods received by someone, does not constitute legally that these are my accounts. 

PLEASE SEE DATES ON LETTERS : XXXX  XXXX XX/XX/2018, XXXX   XX/XX/2018, XXXX XX/XX/2018, XXXX XX/XX/2018, XXXX XXXX XX/XX/2018 XX/XX/2018
Product: Student loan

These loans through XXXX XXXX were taken by ways of lying to me about tuition discounts and taken in full loads without telling me. They would charge fees for things I did not understand and also I am not able to get a job in a good career as advertised or did I receive any help doing so. These loans are supposed to be discharged through the group discharge. This was between XXXX to XXXX when I received my XXXX XXXX with the school
Product: Mortgage

I have been charged a Draft Fee based on the following schedule without notice by MyLoanCare/XXXX : One-Time Draft Fee Schedule On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} I was not notified a change in charge for a online payment fee. This fee was not on the original agreement, or any other agreement that I have signed. In my statements, the document reads that I have up to 16 days till a late fee in is incurred, which is what was agreed upon for the loan. The Draft Fee that XXXX is imposing it just a disguise for a late fee.
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. After examining my credit report, I noticed entries for late payments. However, more than 30 days ago, I sent correspondence regarding these listings, but I have not received a reply, and they have failed to provide adequate validation for these supposed late payments. I kindly seek your help in resolving this issue.
Product: Credit reporting or other personal consumer reports

Request for Expedited Removal of Unauthorized Credit Inquiries Due to Identity Theft Dear Sir/Madam, I am writing to formally request the urgent removal of unauthorized inquiries from my credit report, maintained by Equifax, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and following an unfortunate incident of identity theft that I have recently experienced. 

On XX/XX/XXXX, I discovered multiple credit inquiries on my report that I did not authorize. These inquiries are adversely affecting my credit score and may potentially have broader implications on my financial health. Under 15 U.S.C. 1681c-2 of the FCRA, which relates to identity theft, I am entitled to an expedited process in resolving issues stemming from such criminal activities.

Attached to this letter, you will find a copy of the Identity Theft Report filed with [ Specify the Authority, e.g., local police department, Federal Trade Commission ], which details the nature of the theft and supports my claim of these inquiries being fraudulent. 

Given the clear evidence of identity theft and in accordance with the FCRA guidelines that mandate the removal of any information related to fraud from a consumer 's credit report, I respectfully request that the CFPB intervene to ensure that Equifax addresses this matter with the urgency it warrants. Specifically, I seek the removal of the unauthorized inquiries within five ( 5 ) business days from the date of this request, to prevent further damage to my credit and personal finances.

Please find below the details of the unauthorized inquiries for your reference : I trust that the CFPB will assist in rectifying this matter swiftly. Please do not hesitate to contact me at XXXX or XXXX should you need any more details or documentation to facilitate the resolution of this issue. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

They are looking for someone I used to date and they have repeatedly called me have been looking into my social media and contacting my family and friends. As well as the family of my friends. The debt is not mine which they understand but continue to harass Me and my family.
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 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 financial loss, and I seek appropriate redress for these violations.