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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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. 
Please remove the following items from my credit report, immediately : XXXX XXXX account number XXXX US Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX US Department of education XXXX XXXX XXXX XXXX XXXXXXXX XXXX Department of ED XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX US Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call from someone named XXXX claiming to be from Glass Mountain Capital. He refused to provide his last name or the company 's address. He put me on hold saying he was going to transfer me to his supervisor. The line was then answered by XXXX XXXX. He provided their address of XXXX XXXX XXXX, XXXX, IL XXXX. He asked if I still resided as an address on XXXX XXXX XXXX in XXXX XXXX ( I can not recall the exact address information he gave me ). I stated that that was an extremely old address that I had n't lived at in a very long time. I provided my current address and requested that they send me validation of the debt. He stated that letters had already gone out, and that he would send one to my new address. I asked him how soon I could expect the letter, and he refused to provide an estimate on how long it would take to be sent out. I told him that I would give them seven days to provide validation of the debt or else I would file a report with the CFPB. It has been seven days, and I have not received anything from this company.
Product: Credit reporting

There are a couple accounts that are past the statute of limitations I have disputed and this agency is doing nothing about it. I want to place a complaint against Experian regarding XXXX XXXX # XXXX XXXX ( 7 years ago ) XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

8 missed payments on XXXX XXXX credit card for the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX missed payments on XXXXXXXX XXXX credit card for the dates XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX XXXX credit card is a 100 % settled account. Settled with 3rd party and is supposed to be removed from credit report This things need to be removed from XXXX, XXXX and EQUIFAX credit reports
Product: Money transfers

I 've sent {$880.00} through Paypal for an item I bought online, and I did n't receive it. Filed a case for item ( not received ) with Paypal and submitted the shipping company link and tracking number, which shows that the item was shipped on XXXX and still in transition, last update was XXXX XXXX. but Paypal closed the case claiming that the item was shipped, I appealed the decision and again Paypal reject the appeal and closed the case permanently, at this time I have no right of complaint or ask where about my item from anyone. Shipping company site : link XXXX Tracking # XXXX The seller and the shipping company are saying that the Item is not delivered, only Paypal claiming that I received the item, and left me with no tools to fight for my funds, please help Paypal appeal case # XXXX Item paid on XXXX and case opened on XXXX XXXX My name : XXXX XXXX, E-mail address and Paypal ID : XXXXXXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is has 2 XXXX XXXX accounts on my credit which is basically the same loan and has 2 different charge offs. This was 1 account and should have stayed under 1 account regardless of it being transferred to another branch. I have 1 account that 45 charge offs then another with 61 charge offs which means the debt was sold 61 times? Now it is also reporting that it is in collections now after being charged off. How is that possible? I have asked for these accounts to removed from credit report numerous times. Experian just reaches out to the creditor and they write a statement and nothing gets resolved. If Experian just took the time to look at my report they will see the information is inaccurate. I am asking that these accounts be deleted and removed from credit report immediately.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code XXXX ( XXXX ) and 15 U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Credit reporting or other personal consumer reports

I have been denied credit based on unverified public records, I reviewed my credit report and noticed that US Bankruptcy Court, District Court of Maryland has a public record on my report. I have requested the XXXX Equifax and XXXX to provide how the information was verified. The US bankruptcy Court District Court of Maryland can not provide the procedures in which they verified this record with the credit bureaus. 
With this information not verified, I'm requesting it be removed from my credit report immediately. 
Equifax, XXXX nor XXXX can not verify how information was obtained.
Product: Checking or savings account

I deposit XXXX dollars and the ATM did not deposit my money or returned it to me it simply gave me a receipt with this code XXXX. the receipt also said we apologize for the inconvenience we are unable to process your request and contact return your items. Please contact our XXXXXXXX XXXX XXXX. This is not the first time I had an incident like this. A previous time the ATM machine gave my deposit back after I left and the bank attempted to charge me XXXX XXXX  as if it was my fault their machine return the money after the transaction was completed. Even after I filed a claim I still will not have my funds available and now I will be facing late fees because of the missing funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was paid off in full in XX/XX/2019
Product: Money transfer, virtual currency, or money service

your account. 
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 proce 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 XXXX financial loss, and I seek appropriate redress For these violations.
Product: Checking or savings account

I still have not received all of my interest owed from XXXX thru XXXX. My check, containing all of Savings, Checking and Interest Funds owed, was supposed to be delivered by XXXX on XXXX, however, the check didn't arrive until XXXX. The Executive Team Assistant ( lady ) from Citibank in Texas confirmed this with me on XXXX. As a result, I lost 15 days worth of interest on my money they held up in error for two ( 2 ) months. They cost me interest as a result of their actions.
Product: Credit card or prepaid card

As of : XX/XX/2022, when I got my Destiny MasterCard, through : FS Genesis Cardholder Services , Inc., they haven't changed the First Name on my Destiny MasterCard, to : XXXX XXXX XXXX.
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 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 an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported a hard inquiry conducted by XXXX on XXXX XXXX from XXXX XXXX - oh. This is the second hard inquiry from XXXX on XXXX XXXX. The first XXXX XXXX, TX. I reported this hard inquiry to cfpb on XXXX XXXX ( XXXX ). I was contacted by XXXX this morning and suggested sending a letter to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Product: Student loan

I requested that I get refunded for payments made during the covid payment pause for my student loan which was approved in XX/XX/year>. My loan balance reflects that the money was refunded however it has not been refunded in full. I am still owed {$35000.00} Mohela says that they have released the funds and I should be getting a check within 90 days from the treasury dept however I have still not received a check. It took until XXXX for Mohela to release the funds to be refunded by the treasury dept which supposedly happened yet I still have not received my refund. They only released the funds after dept of ed sent them a letter. Please see correspondence from dept of ed copied below. 

Dear XXXX XXXX XXXX, Thank you for contacting the U.S. Department of Educations ( ED ) Office of Federal Student Aid. 
We have received your inquiry regarding the Federal Direct Student Loan that is currently being serviced by MOHELA. 
Your concern, as we understand it, is that you had requested a refund for all payments made during the COVID-19 payment pause and have only received a refund for payments made to MOHELA, and not for payments made to your previous servicer. 
Regarding your complaint, MOHELA has reviewed your account, and it has been determined that a refund in the amount of {$35000.00} for payments that were made to XXXX XXXX has been located. A request has been submitted to have this refund payment released so that it may be sent to you. Please accept our sincere apologies for this delay. 

Thank you for your feedback. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and TransUnion has declined my request to remove outdated addresses from my credit report which are : XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX And I wish to add my current address which is : XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Dear Transunion : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXX Date of inquiry : XXXX  Please remove it from my credit report. Did not consent to unauthorized inquiry 3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 Account Number : XXXX Please remove it from my credit report. 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was discharged of all loans 15 loans from XXXX XXXX XXXX XXXX XXXX they were closed and transunion & XXXX keep showing that these accounts are still open I would like for them to show closed & never late on my account and show no more negative account from this institution
Product: Credit reporting, credit repair services, or other personal consumer reports

LexixNexis searched for negative information pertaining to me, which is an invasion of my rights to privacy. This company did not have permissible purpose or my written consent to search for negative information pertaining to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies Involved : - XXXX in partnership with XXXX XXXX  ( card provider ) - Experian - XXXX  Due to my case not cleanly falling into one of the credit bureaus ' several dispute categories, I have been unable to solve this issue for 5 years now. 

Timeline : XXXX : A clerk at a card table in XXXX sold me on applying for a XXXX credit card. This was in XXXX, XXXX  where I lived at [ redacted ] XXXX : Card never arrived so I called customer support. They informed me the card was mistakenly sent to the address on my ( outdated ) XXXX  ID rather than the hand written address in my application form. Card was thought to be cancelled at this time. 

XXXX : Late charges on this account began showing on my credit report. 


I have never seen this card, did not activate this card, nor have I ever made any payment towards the alleged balance. I did not see the report until much later. By then the card had been long maxed-out and was closed for non-payment. 

Assumedly, there is a paper trail of spending which demonstrates the card was most likely used near my old address in XXXX XXXX, CA. Similarly my accounts have not spent any money in California store since at least XXXX. 

In general, fraud claims are geared toward *application* fraud. The application was genuine however. The problem lies with XXXX XXXX  in failing to properly deliver the card and later failing to cancel the card ; in addition of course to whoever ultimately found and activated the card. 

Having disputed this many times, the responses I get have been along the lines of being told that they verified no payments were made. Well of course there were none! 

These overly simplified methods of settling disputes are negligent in cases where a human must actually think through the timeline and understand problems.
Product: Credit reporting or other personal consumer reports

I don't recall applying for credit with this company. I need to see written or authorization proof that I allowed this inquiry. I have also contacted them back in XXXX  with still no answer leaving me with ( XXXX ) hard inquiries on my credit report violating my FCRA Act rights.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a notification that my Apple Credit Card ( issued by Goldman Sachs ) was being used at anXX/XX/XXXX. As I was sitting at home, it was clear that this was being used fraudulently. Before I could cancel the card, it was used a second time at a nearby store. Afterwards, I was able to cancel the card and was in touch with Goldman support to let them know about the fraud. The following day on XX/XX/XXXX, they applied a refund to my card in the amount of the fraudulent purchase. I thought all was well. 

On XX/XX/XXXX the refund was reversed, and I was told I owed ~ {$1200.00} ( for the fraudulent purchase ). In addition, I was immediately charged interest on this balance. I have gone back and forth with Goldman  support over this past week and they seem unable or unwilling to fix this issue, and have also shared with me they have reported to the credit agencies that I have missed a payment, obviously not a good thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX 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

Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization.

**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**.

**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : XXXX. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law.

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.
Product: Debt collection

Diversified Adjustment Services Reference # XXXX has been sending me collection notices in the amount of {$750.00}, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Consumer Bureau : This complaint is directed to The office of Consumer Affairs Equifax I place several complaint about this organization. To this day I have not receive any notification of the many many violation they have committed. I have document every papper since I have been under " OCA to repair my credict file '' My point here is they need to be investigate I swear they are abusing their power if your organization does not place any investigation them who will? if CFPA does not then you are giving them the necesary tool for their representation and granting them the rigth to treact United State Citizen. Shame on then when responding to the complaint as they really are working on something? Does this sounds fixing my file and reporting accurate information when this is the fact : They have block m, y phone number to place calls to then in other words they not sure how they did it but I ca n't not longer call from my phone line if i do then there is a message your call can not go true. They have block access to my file when I repedatly explain to them that I was in the midle of job hunting for consulting work so my file dissapear unless I calll and then they will release it it is crazy. My life is at theeir mercy what I am a criminal? No scores Incorrect names not mine place permanently of file with incorrect social security number. denied me to tell me the source that is reporting it. Saying that is correct how is impossible. did they show any identification that proof that? I know there is not unless is fradulent created. So if this sound to you that they are woroking on my file, I let you be the judge for that and if feel there is a violation I will beg you to investigate. I am not the only only one with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra not mine : see attachments for proof as follows ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX CT XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX ) reported to Experian an account from XXXX   XXXX XXXX in the amt of {$420.00} for services on XX/XX/XXXX. An internal review by XXXX   found on XX/XX/XXXX a XXXX  account specialist erroneously sent the billing to XXXX rather than Medicare and the secondary platinum insurer. Upon discovery, the erroneous action was not corrected and resulted in erroneous information remaining with XXXX XXXX Experian. '