23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXXXXXX XXXX Account 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.
Product: Credit card

Contacted Best Egg Visa Customer  services to report unauthorized charges to my CC account. Credit card company still show the charges on account as customer request it to be credited, but has not done so. Following charges still shows {$99.00}, {$190.00}, {$190.00}, and {$310.00}.
Product: Credit reporting or other personal consumer reports

It has come to my attention that these delays and the lack of resolution are potential violations of federal law, specifically the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681e ( b ). This section mandates that consumer reporting agencies must adhere to reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report. Given this, I kindly requested that Experian provide me with a detailed description of the investigation process as outlined in 15 USC 1681i, Section 611 of the Reinvestigation Procedure.

I must emphasize that, as per 15 USC 1681i, Section 611, a consumer reporting agency is obligated to furnish the consumer with a description of the investigation no later than 15 days after receiving a request. Unfortunately, this timeline has elapsed without any communication or compliance from Experian. 

Furthermore, I draw attention to 15 USC 1681, which addresses the treatment of inaccurate or unverifiable information in general. It stipulates that upon completion of a reinvestigation, if any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency is required to promptly delete or modify the relevant item of information. To my dismay, there has been no such corrective action taken by Experian. 

These persistent issues not only violate federal law but also inflict significant harm on me and my family. The evidence and documents submitted to Experian and other credit reporting agencies have not received due process, thereby undermining my consumer protection rights. 

I urgently request your immediate attention to this matter and a comprehensive investigation into the inaccuracies on my credit report. As a consumer seeking fair and accurate credit reporting, I anticipate your prompt adherence to the FCRA guidelines outlined in this letter. 

I look forward to a swift resolution and appreciate your cooperation in rectifying this situation.
Product: Debt collection

I asked this company to stop calling the first time I answered their call, I had to argue with a man who basically told me I dont pay my bills. Come to find out he didnt remove my number like I asked so I received a call onXX/XX/XXXX & XX/XX/XXXXXX/XX/year>
Product: Credit card

Interest is being charged on a 0 % credit card, called customer service and also communicated by CFPB, XXXX and other platforms, my fee is not being reversed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Bloc , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and efficient 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

REVIEW DOCUMENTS ATTACHED : XXXX  denied deferment from 2018 on the grounds that income exceeded the poverty-line guidelines. Income was clearly within the 150 % threshold and the deferment should have been granted. Due to the denial of the deferment XXXX reported negative history to Credit Bureaus. The deferment should have been granted due to income falling within the 150 % poverty-line guidelines ( See income paystub attached ). 

Also attached are the deferment documents that were submitted to XXXX to process a deferment. 

DELETE XXXX  ACCOUNTS FROM ALL 3 CREDIT BUREAU REPORTS AS THE REPORTING SHOULD HAVE BEEN POSITIVE AND THE ACCOUNTS SHOULD HAVE BEEN IN A DEFERRED STATUS.
Product: Debt collection

date opened : XX/XX/2019 amount : {$1300.00} violations : 1 ) fair Debt collection Practices Act : Section 802 ( a ) 15 U.S.C. 1692. Using Abusive debt collection practices. called to collect a debt by refusing to tell me what the call was about until i told them my social security number.

2 ) 15 U.S.C. 1692g Section 809 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). this company never provided me with any validation of debt.

3 ) 15 U.S.C. 1692g section 809 ( c ) this company had attributed my name and my social with fraudulent debts 4 ) section 812 ( a ) ( b ) debt bought and moved from creditor to creditors without my knowledge and my written signature.

5 ) fair credit reporting act Section 609 ( a ) ( 1 ) and section 611 ( a ) ( 1 ) ( A ) the law requires a physical verification of the original signed consumer-contract on all acounts posted on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, XXXX XXXX Transunion has failed to respond. They have violated the FCRA in that it has been more than 30-days.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

As of XX/XX/18- Gateway Finicial Solutions stated I did not have a bill due at this time for the month of Nov. I called multiple times stating that the automatic system is saying that I owe XXXX dollars for this month. On XX/XX/18 the day after my new due date of XX/XX/18 it is now stating that I owe {$470.00} due for XX/XX/18. According to the loan terms of this company you are not given a grace period & they have the ability to stop your car from working as well as repossessioning your car for being 2 days late.
Product: Student loan

I've heard their under investigation for student loan circumstances. 

I want to protect myself in case their actions have led to financial disadvantages.
Product: Checking or savings account

on XX/XX/2018 my checking & savings account was closed for unexplained reasons in which i was told would be mailed to me i've never had any problems with my account & i dont understand why this has happened not to mention this is very inconvenience to me i feel that if your going to close someones account please have a very good reason for why your doing so if there were suspicious activity then i shouldve been notified during the time it happened this is very unprofessional i feel like im being targeted for some unknown reason
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I would like to dispute the following unauthorized accounts reporting on my credit report, some inwhich I've disputed before but did not get the results in reference to my disputes. Having your identity compromised is a nightmare in itself but even more disturbing when you report it and the major 3 credit agencies either ignore you, or do not follow the law of the FCRA. I would like to know exactly what Method did you and your employees used in order to verify these unauthorized accounts inwhich lead back to me. The accounts inwhich I'm requesting the Method of verification for or as following, ( A ) XXXX XXXX {$680.00} ( B ) XXXX XXXX XXXX {$140.00} ( C ) XXXX {$72.00} ( D ) XXXX XXXX {$690.00} ( E ) XXXX XXXX {$630.00} ( F ) XXXX XXXX XXXX  {$960.00} ( G ) XXXX XXXX XXXX {$670.00} ( H ) XXXX XXXX XXXX {$71.00} ( I ) XXXX XXXX Av {$30.00} ( J ) XXXX XXXX XXXX {$5500.00} ( K ) XXXX XXXX {$2800.00} ( L ) XXXX XXXX XXXX {$1700.00} ( M ) XXXX XXXX XXXX {$0.00} ( N ) XXXX XXXX XXXX {$130.00} ( O ) XXXX XXXX XXXX {$0.00} All the above accounts shall be followed with documentation of the Method of verification used and sent to me or as stated in the FCRA laws these accounts shall be blocked, removed, and/ deleted immediately.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it seems imperative for us to eliminate any erroneous entries from my credit report. Would you mind verifying the documents? A few of the mentioned accounts seem to be misrepresented in terms of their reporting.
Product: Debt collection

On or about XX/XX/2017 I sent a certified letter to Debt Recovery solutions asking that they verify the debt on account, ownership, and legal documentation of their right to pursue debt. They have not responded, it 's been over 30 days. Yet they have added a collection to my credit report. They are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the CFPB on XX/XX/year> as well as several FTC reports with the Federal Trade Commission which included several fraudulent accounts that were removed from my EXPERIAN and XXXX reports but four fraudulent accounts returned to my EXPERIAN report and three fraudulent reports returned to my XXXX report. None of the fraudulent items I requested were removed from my XXXX report despite the fact I sent FTC reports along with a signed affidavit to all three credit bureaus. Lastly on XX/XX/XXXX, I sent a litigation letter to EXPERIAN in a last attempt to resolve this matter and they only removed one of the four fraudulent accounts they had relisted a month prior. I ask you respectfully to resolve this matter because the bureaus are not willing to remove these items and have not delivered the original contracts and signatures of these fraudulent accounts to me as documented proof. Please take time to remove these accounts. I have listed them below. Thank you. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A checking account with Chase bank was opened in my name without my permission. I found out after receiving a debit card in the mail on XX/XX/2021 I called their customer service line immediately, to report the fraud and I was kept on hold for 3 hours and no one responded.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees. I have incurred despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of changes and credits this issue lines with the recent CFPB findings against Navy Federal for similar practices which transaction settled with insufficient balances, despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions
Product: Debt collection

On Tuesday XX/XX/XXXX, 2015, my mother recieved a message on her answering service, stating this was, XXXX XXXX from XXXX regarding XXXX XXXX. I have not lived at that residence for XXXX years and also have not had that number in the XXXX years I 've been gone. That is my mother 's home and also her home number. Her message continued by saying XXXX has to be at this address Thursday the XX/XX/XXXX to recieve letter and if not there they would send police to arrest me.. Once I recieved the information from my mother, I contacted the number given XXXX XXXX to find out what this was in reference to. I got there voicemail and left the case number she left on answering machine along with my new number to be contacted. The following day, the XX/XX/XXXX I reached out again, and again got voicemail. No one contacted me or came to my mother 's home. Researching on the internet unfair debt collection practices I came across your website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Bank A/C # XXXX XXXX XXXX XXXX I had tried Numurious time to resolved these late payments, but i failed they are reporting 30 days late payment on XX/XX/2016 which was never late.this effecting my life i am in contract for buying a house can't get a mortgage because of this incorrect late payment.
Product: Debt collection

Ask the company how they got my identity and ssn to open an account
Product: Debt collection

I am a senior citizen who never received services from XXXX XXXX XXXX XXXX. I called and inquired about services but never contracted to receive any services. XXXX XXXX XXXX sent a technician to my home without my consent and I turned him away telling him that I did not sign up for services. No service was installed at my residence. I began receiving bills. I called XXXX XXXX XXXX to notify them of the error. I was ignored and then I began receiving harassing bills from debt XXXX. I notified the first debt collector of the discrepancy and they quickly sold the debt to XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX sent a statement stating that {$130.00} is due. On XX/XX/XXXX, I asked this company to send me the contract that I signed with XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX responded with a bill from XXXX XXXX XXXX. This is not a signed contract. I have not entered into any contract with XXXX XXXX XXXX. I never had their services. XXXX XXXX XXXX, XXXX has failed to show that I have had any services from XXXX XXXX XXXX. I am tired and I need the corporate harassment to stop. I am not consenting to any more written or verbal contact from this company or any newly assigned companies. If any of these companies have placed any negative entries on my credit report I am demanding them to be removed promptly without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Transunion a certified mail letter demanding they delete the XXXX tradeline off my consumer report I've sent letter after letter complaining about this situation providing proof from the Creditors stating that they are no longer collecting on the DEBT Transunion have violated my Federally Protected Consumer Rights and I need answers
Product: Credit reporting or other personal consumer reports

Starting in XX/XX/XXXXXXXX, I consolidated all my loans to one payment. The consolidated company I use was XXXX XXXX  they have all my student loans balance. 
In XXXX XXXX my loan was XXXX in all and transferred to Nelnet. 
In XXXX XXXX XXXX XXXX assist me with the PSL program and that's when my loan transfered to XXXX. 
The end of XXXX was time to recertification for PSL, and income driven payment. 
I was late turning it in trying to use the self service portal, so I end up calling the Department of education to see if I can be approved for a payment plan until my income driven plan kicks in. That's when the representative said she can defer me and I will not have to make a payment for XXXX. She said the payment plan will kick in XXXX. She stated I can call and remove it with out it affecting the payment plan. I check my credit again in XXXX I noticed an extra XXXX on my credit report with both companies still with the account open. I call Nelnet it says no account available with that name. XXXX says Nelnet has to close the account with the creditor because XXXX is over the loan now and that's considered duplicates.
Product: Credit card

I had opened a Macy 's store card in XX/XX/XXXX. It had some balance. I called and paid it in full inclusive of interest charges and late fees in XX/XX/XXXX. I was told by agent on call that it was paid in full and I was uptodate. I then asked the agent to close the account. 

After that I got charged late fees and interest of {$85.00}. I called to resolve the issue. I spoke to an agent in XXXX and she said she can't remove the late fees or intesrest. If she can do something it will be removing {$20.00} but I am still responsible for {$65.00}. 

I asked for XXXX and she said no one is available. I repeatedly had to request that I speak to a XXXX and the XXXX 's name. She declined to provide the information. I was on call for more than XXXX minutes. She kept saying that the manager/any of the supervisors are not available. 

After XXXX minutes of arguing she got a XXXX on line. The XXXX said that they will remove the balance but if it actually happens remains to be seen. Once a customer pays full amount that was given to them on phone and closes the account after that, they should not be asked to pay late fees and interest charges on balance of XXXX. This is a financial scam.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. Here are the account. I Also provide copies of XXXX credit bureau reports showing consistency reporting from all three bureaus and also bankruptcy was deleted, but was re-inserted back onto my TransUnion credit report after they deleted. XXXX deleted they was unable to verify so how do TransUnion verify. 
XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX I ( original creditor : XXXX XXXX XXXX ) XXXX Original Balance : {$15000.00} Bankruptcy XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX