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

I trust this message finds you well. I am writing to bring to your attention XXXX critical issues pertaining to my credit report that require immediate resolution. 

Firstly, despite making full payment on my account with Nevada State Bank in XX/XX/XXXX, the credit report continues to inaccurately reflect a balance owed. I have diligently pursued resolution of this matter by engaging in multiple discussions with XXXX XXXX and the branch XXXX over the past XXXX months. Regrettably, despite these efforts, the credit bureau has yet to be updated to reflect the XXXX balance as confirmed by the bank officials. 

Secondly, I must address a concerning discrepancy regarding a missed payment with Nevada State Bank in XX/XX/XXXX. This isolated incident is entirely uncharacteristic of my financial history, as evidenced by a pristine record of timely payments over the past XXXX years. The missed payment occurred despite the payment being set on auto-draft, indicating a potential error or oversight beyond my control. 

As I am actively in the process of securing a mortgage to purchase a home, the accuracy of my credit report is paramount. The unresolved balance and the adverse impact of the missed payment have significantly affected my XXXX XXXX, potentially jeopardizing my ability to proceed with this important financial endeavor. 

In light of these circumstances, I urgently request your assistance in promptly rectifying these discrepancies and ensuring the accuracy of my credit report. I am prepared to provide any documentation or evidence necessary to support my claims and facilitate the expedited resolution of these matters. 

Your prompt attention to this request is greatly appreciated. I trust that you will take the necessary steps to address these issues and restore the integrity of my credit report without further delay. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible. 

I sent a letter to these agencies about a month ago and they still have an inaccurate item listed on my credit report. Please see the attachment for the details of the account still listed. PLEASE SEE ATTACHED. 

Your office is in violation of my consumer report given to me by Congress as a federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, it has come to my attention that your office ( XXXX, Experian, and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on XXXX ( a website authorized by the federal government after taking a personal finance class for young adults ) - for my credit report. On XX/XX/2021, I signed up for TransUnion to get my free credit report- however, the company required my credit card information and mislead me into signing up for a XXXX dollar a month membership instead. 

I found out that I've been billed 5 times ( XXXX dollars in total ) I called Customer Service and got a partial refund for 4 months but not the first. I explained that I was misled into thinking I'd get a free credit report ( and that I needed credit card info ) but they wouldn't give it for the remaining XXXX dollars. 

Additionally when I cancelled my subscription online- they offered a XXXX subscriptions in huge letter and a small text to cancel the subscription. This is very misleading
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf. After reviewing my credit record, I found instances of late payments. Despite sending letters more than 30 days ago, I have not received a response, and they have not provided satisfactory validation. I request your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to place a temporary thaw on my Equifax credit report in order to apply for a loan. I could not remember my password, so I submitted a request to reset my password through their online system. I answered the questions to verify my identity and requested an email link to reset the password. I never received an email from their company. I tried this same process several times that date and received the same results, many questions but no email reset. The following day, I attempted this process again with the same results. I then called their customer service number to inquire about this problem and was informed that their system was down due to an upgrade. The representative directed me to attempt the password reset later. On XXXX XXXX, I went through the online verification process again, but still received no email. I then contacted their customer service. I was told to try the password reset later because of system problems. On XXXX XXXX, I was still unable to access my account or obtain a password reset. Several times over the following days, I attempted to resolve this issue via email reset requests and phone calls. Finally, on XXXX XXXX, I contacted Equifax via phone, completed the verification process verbally, and was informed that though I had correctly answered the questions and verified my identity, I could not reset my password because my request was being investigated by Equifax. However, the representative could not explain why my account was being investigated. I dont know what is going on or why Equifax is not allowing me to reset my password, access my credit file, or investigating me for a simple password reset.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My credit score and data is not showing I have a XXXX credit score and all accounts paid on time but have been getting denied due to my Equifax score and data not being reported it says my data score is XXXX because nothing is on it please tackle this immediately provide me with my XXXX credit score.
Product: Credit reporting or other personal consumer reports

Inquiry was on my credit report i didnt apply for no loans
Product: Credit reporting or other personal consumer reports

The issue is that they are not responding to me, and each time I reach out to request a review for inaccuracies, they mistakenly identify me as someone else, despite me providing all of my personal documents. According to the FDPCA and FCRA, all information must be validated and reported with 100 % accuracy, but that is not being upheld in this case. 

I have attached a letter requesting them to validate and verify the information, ensuring that it is reported completely and accurately.
Product: Money transfer, virtual currency, or money service

Iam 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 the violations.
Product: Money transfer, virtual currency, or money service

I opened a Coinbase account on XX/XX/2021. I bought XXXX the first day. On XX/XX/2021, I purchased more XXXX and also bought Bitcoin. I bought a total of 6 XXXX and approximately XXXX XXXX. My {$3800.00} XXXX transaction went through at XXXX XXXX XXXX time. The platform experienced massive problems on the XXXX and when I checked my account at XXXX XXXX XXXX time, I saw a duplicate and unauthorized transaction for {$3800.00} in XXXX, bringing the total amount of money invested in cryptocurrency to {$18000.00}. I thought my account had been hacked and disabled it and contacted customer service for an unauthorized transaction. Since then I have been unable to log on to my account. I receive a your account is temporarily disabled message. I also contacted customer service on XX/XX/XXXX and have not heard anything since then. And am still locked out of accessing my hard-earned money. I would like to regain access to my account so I can move it out of their exchange. 

Note : since I'm locked out o my account, I am unable to take a picture of the transactions on Coinbase 's platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 any item 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 is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2006 ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA 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: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Investigation and Correction of Inaccurate Late Payments on Account # XXXX Dear CFPB, I am writing to dispute inaccurate late payment information reported on my credit report for the above-referenced account, held with XXXX XXXX. Upon reviewing my credit report from TransUnion, I identified discrepancies in the reporting of late payments for XXXX, XXXX, and XX/XX/XXXX. These late payments do not align with my payment history. To the best of my knowledge and records, I have consistently paid this account on time. 
Account Information Account Number : XXXX High Balance : {$390.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Two-Year Payment History : Late payments reported for XXXX, XXXX, and XX/XX/XXXX. 
Request for Investigation Pursuant to the Fair Credit Reporting Act ( FCRA ), I kindly request : A detailed investigation into the inaccuracies in the reporting of late payments for XXXX, XXXX, and XX/XX/XXXX. 
Documentation or proof supporting the claim of late payments, including specific dates, amounts, and any relevant communication. 
A description of the investigation process followed, as required under 15 USC 1681i ( a ) ( 7 ), within 15 days of receiving this dispute.

If no valid proof of late payments is provided, I demand that my credit report be updated to reflect the accurate status of " Paid As Agreed Never Late. '' Thank you for your attention to this matter. I look forward to your response within 30 days. Attached is a copy of my credit report for reference. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

XX/XX/2019-Loan was transferred over to loancare. Called to make sure everything was set and that my winter XX/XX/2019taxes would be paid. They assured me they would be. 

XX/XX/2019- I received delinquency letter that my winter taxes were not paid. I have called & emailed multiple times to get this resolved and its been over a month and its end of XX/XX/XXXX now. I dont know what else to do. I also emailed them a copy of my current summer taxes with updated number and still no response.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Experian on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Experian in over 45 days I will be suing Experian in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 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. These following accounts are fraudulent and need to be blocked and deleted..

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX According to Cushman v Experian 1997, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX  XXXX Date of inquiry XXXX XX/XX/XXXX According to Cushman v Experian 1997, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( account number XXXX ) is collecting a gas company debt that is fraud. Someone opened a gas account in my name. I did what I was supposed to do and filed an ID Theft Affidavit with the three credit bureaus instructing them to block this item from my file and instructing XXXX to perform whatever fraud process was needed on their part. 

XXXX XXXX  sent a fraud affidavit to me which I completed and sent back to them. XXXX XXXX and XXXX  have properly removed this item from my file. But Experian doesn't seem to play by the same rules and has left it. Even XXXX has agreed it needs to be removed.
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This is the second complaint in XXXX years that I have made to AWA COLLECTIONS, they continue to report an account that they could not verify to me. I advise them several times that I wasn't even in the states at that time of the event. AWA COLLECTIONS said that they would investigate the problem and remove it from my credit report, this was a year ago today I checked my credit after XXXX year and that account is still listed there illegally they never investigated nor did they call me to confirm it was my account. 

Keep in mind I don't even have a driver 's license. 

I called several times and spoke to ruthless representatives that couldn't verify an account to my name and yet they still reporting on my XXXX report. 

I will attach a copy of what it's showing on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF ED/XXXX XXXXXXXX Balance : {$3100.00} ; DEPT OF XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$44000.00}
Product: Credit card or prepaid card

I am filling a dispute on American Express regarding the delay on releasing my rewards point. I had been told that the issue would be resolved 6 to 8 weeks after I hit the minimum spend. This is now the 10th week, and my account is still under review.

I have been on time with all of my Amex credit cards ( one personal platinum card, one business platinum card, and one blue cash card ). Moreover, payments on the card with bonus offer have met the amount that the promotional offer requires.

Amex can not give a proper explanation other than telling me that they have no access to the back office. I have complained more than five times and have had them elevated the issue to the back office but nothing was given back to me. I would like to have an immediate release of my points since originally I have over 50,000 points that were accumulated by my daily purchases. Now they have been freezing my points since XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries displayed on my personal consumer credit report that I did not authorize. Also my credit score is reflecting incorrectly on my credit report. Timeframe is from XXXX
Product: Checking or savings account

I made a account at self.com and all it was was I was supposed to add money to an account every month and it would make my credit score better. I did that for about three months and then decided to stop adding money and now its on my credit report that it was a loan or something, and they never gave me any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so agitated! I have no idea what is going on over there at the CFPB. Ive submitted this same complaint XXXX times. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again hopefully for the last time. TRANSUNION has been not complying with Fair Credit Reporting Act ( XXXX ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section XXXX by blocking or removing them from my report. Additionally they are violating sections XXXXXXXX XXXX  XXXX for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per XXXX. The accounts are as follows - XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX