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

I have reached out to the bureaus several time in reference to this matter and it has yet been resolved. 

The account in question : 1. XXXX Account # XXXX XXXX {$9.00} Opened- XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$780.00} Opened- XX/XX/XXXX 3. XXXX XXXX Account # XXXX Balance {$1600.00} Opened- XX/XX/XXXX 4. XXXX XXXX Account # XXXX Balance {$2600.00} Opened- XX/XX/XXXX
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. 

ACCOUNT NAME : XXXX XXXX, ACCOUNT : # XXXX, ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : # 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 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, credit repair services, or other personal consumer reports

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of that are not mine. I need those items removed as soon as possible please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from CFPB that you closed my complaint to protect my PRIVACY. I called XXXX after I purchased a credit report from XXXX XXXX  dated XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Addresses and accounton my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which 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 CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX
Product: Debt collection

This is in response to complaint XXXX. CMRE Financial responded to my initial complaint yesterday and stated they sent me validation yesterday as well, but failed to respond to my secondary complaint which is that they are not bonded or licensed to collect a debt in the state of IL. By Federal law, if a collection a gency is not bonded or licensed in a particular state to collect a debt, they legally have to delete all accounts from all credit reporting agencies. If they fail to do so, I will be pursuing legal action with my lawyer. This debt will need to be deleted ASAP. This has nothing to do with the validation they are sending me, this is a separate issue. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a notice to Equifax to investigate accounts, inquiries, and late payments that I believe are being reported inaccurately. To date, have not heard back from Equifax regarding this matter. 

I understand the statutory time period of XXXX ( XXXX ) days for verification of items on a consumer report however, the FCRA also includes what should be excluded from a consumer report. Therefore, no investigation is needed, nor should it take XXXX days to correct the information provided. 

To date they have not complied with the Fair Credit Reporting Act by not deleting the disputed items from my credit report. They are not in compliance with their own policies. 

I did not give any written instructions for this information to be reporting which is a direct violation of 15 U.S.C. 1681b ( a ) ( 2 )
Product: Debt collection

I am writing to express my disappointment with the inaccurate credit reporting done by Discover Bank Financial Services. This reporting has severely damaged my financial situation. On XXXX, I noticed a new account on my credit report that I did not open. I immediately sent noticices to Discover Bank Financial Services, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, Discover Bank has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that Discover Bank immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If Discover Bank does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit.
Product: Credit reporting or other personal consumer reports

The last verified, date open, closed date, creditor type, payment frequency, the comments and remarks are being reported incorrectly. please removed this damaging information from my report. 
Account status TransUnion show Derogatory, XXXX, and XXXX shows paid. 
Also date opened TransUnion show XXXX XXXX XXXX. And XXXX XXXX 
Last Reported TransUnion shows XX/XX/XXXXXXXX XXXX XXXX and XXXX show XX/XX/XXXXXXXX 

Comments : TransUnion stated Settled- less than full balance. 
Comments : XXXX Account legally paid in full for less than the full balance. 
Comments : XXXX : Settlement accepted on this account or paid account/zero balance. 

Im requesting that this account be removed from all 3 Credit reporting agency. Please investigate this account! I know if it is not reporting correctly this needs to be deleted off my report Sincerely XXXX XXXX XXXX
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 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 29 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

I have disputed XXXX accounts on my credit reports twice and Equifax has stated that they have verified the account with the vendors and it came back as verified. I personally called the vendor today and was told the company that they do not service student loans and are n't reporting any information to any credit bureau. Equifax has told me twice on XXXX separate occasions that they have verified the information on my credit report which is a lie. The companies in question are XXXX XXXX and XXXX XXXX.
Product: Student loan

Despite consistent contact with Sallie Mae and efforts to negotiate affordable payments with them, they continue to use hostile collection tactics with me. They refuse to even attempt recalculating my monthly payment after submitting paystubs that show my monthly income to be around {$2000.00}, while the monthly payment they are requesting are over {$260.00} per month. This is well over what I can afford, and they refuse to negotiate an affordable payment in any way, while repeatedly calling and asking for immediate payment while redirecting me to numerous collection agents as I attempt to find someone to negotiate affordable payments with. I understand the obligation of this debt, and wish to honor that obligation, but I can not sustain the payments they are requesting without placing a severe financial burden on myself and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus XXXX and Transunion are reporting inaccurate information on my credit file. They are reporting a late on XXXX/XXXX  for XX/XX/19. I have never been late and it needs to be removed off my credit. I didn't know this late was reporting until I checked my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Social, ID, Identity Theft report
Product: Credit card or prepaid card

On XX/XX/2019, I was attempting to make a payment to my XXXX rewards card. My checking account routing number and account number was entered into their online system. After entering all information, I received a conformation email as if a payment was received. On the same day, I entered another payment of {$100.00} dollars for the following month payment and I received a confirmation email. On XX/XX/2019, 1 month after the due date and after contacting the company, I realized that the payment was never received. I was never noticed by email or phone that the account information was entered incorrectly. Now the company is reporting a 30 day late to my credit. 

When speaking to a representative from your company, my information was given to someone else over the phone without my authorization. The representative number ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get inaccurate and untrue information off my credit report since XX/XX/2021. I have sent in letters dated XXXX, XXXX, XXXX, and XX/XX/2021 and the only one that has removed my information is XXXX. I have received no replies from anyone else. This is a violation of the FCRA. They have had more than 45 days to remove.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian 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 or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Money transfer, virtual currency, or money service

I have now received a 4th unwanted, unsolicited CashApp card in the mail in the space of 2 months.

I have now spend over three hours of my life trying to close down fraudulent accounts that I had nothing to do with opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for Equifax to remove and permanently delete the following fraudulent accounts immediately because someone used my personal information to obtain these credit cards in my name without my consent : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX  I have attached a copy of FTC Report as well as Police Report to this correspondence and under FCRA, Equifax is required by law to block and remove these fraudulent accounts immediately. If not, legal actions will be taken against Equifax.
Product: Debt collection

LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX This company above is attempting to collect a debt balance of {$1900.00} which is out of statue of limitation This is against the fair debt collection practices act I have requested for the original contract from the original creditor they are un able to provide the required information. This company also changing the open date from the time they bought this bad debt from the original creditor this is illegal tactics per fair debt collection practices act.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report today, I discovered inaccurate accounts that I can not explain. I check my report regularly, but these discrepancies appeared unexpectedly. I tried refreshing my browser to see if it was a technical issue, but the errors persisted. As a result, I am requesting that the documents I provided be carefully examined so I can have peace of mind moving forward.
Product: Credit card or prepaid card

I have a Bank of America Rewards Card. I have had this card for more than 15 years and stopped using it regularly because of Bank of America 's frequent arbitrary credit limit decreases to right above the then existing balance. This unfair and deceptive business practice artificially makes it appear that I have charged the card up to my credit limit. This practice is intentional and causes my FICO score to drop. This has occurred three times during the time I have had the card with Bank of America. My credit limit has been {$5000.00} for several years. My payments are made on time and I have never been over the balance. My current balance is approximately {$2700.00}. In XXXX of XXXX, I received a notice that my credit limit has been again decreased to {$2800.00}. Just less that {$100.00} from my then exiting balance. They might as well have closed the card. More recently, on XX/XX/XXXX, Bank of America closed my Credit Card shortly after I paid off my balance. The card at the time had a {$2800.00} credit limit with zero balance and had never been late. This unfair and deceptive trade practice by Bank of America will cause my credit score to be artificially lowered because my credit profile will now show a credit card that has been " closed by grantor. '' B of A did this intentionally to harm my credit and punish me for filing previous regulatory complaints, and because of my Race-XXXX American.
Product: Credit card or prepaid card

On Saturday XX/XX/XXXX I found in my mailbox a credit card statement from Office Depot XXXX with some transactions done on XXXX XX/XX/XXXX with a total balance amount of {$650.00}. The trades were performed in the State of Nevada ; the first one was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX office # XXXX as an advance done in visa ATM for {$300.00} ( XXXX XXXX dollars ), some items in XXXX for {$100.00} ( XXXX XXXX dollars ), plus some fees for a total of {$41000.00} ( XXXX XXXX XXXX and XXXX XXXX cents  ). 
The second was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX office # XXXX as an advance in Mastercard ATM for {$200.00} ( XXXX XXXX dollars ) and some items ( granola chewy XXXX, stack snack, wipe sensitive for {$32.00} ( XXXX XXXX dollars and XXXX XXXX cents ) plus some fees for XXXX ( XXXX dollars and XXXX XXXX cents ) for a total of {$240.00} ( XXXX XXXX XXXX dollars and XXXX cents ). 

I live in the state of Florida and on the date that the transactions were done I was in XXXX. 
The same day that I received the statement called Office Depot store customer service, explain that I don't have Office Depot credit card and the lady that answered told me that the card number didn't exist neither in my name nor in the name of my company as it is written in the credit card statement. She gave me a phone number to communicate with Business credit card Office Depot department to clear the situation. 
Today XXXX XX/XX/XXXX XXXX XXXX  east time, I had communication with them, they recorded the call and the lady told me that in XX/XX/XXXX, I did an application to get a Credit card, but I never received the card and really I never asked for it. Is more the card is a business card but is not there on the statement the complete name of my company. She requested the complete name of my company and the address to start an investigation. That could mean that she didn't have my information. 

In conclusion the statement is a fake notice, I never had a credit card from Office Depot store, I live in Florida and there is not any possibility that I could have done the transactions made in XXXX XX/XX/XXXX in the State of Nevada. I hope you can help to resolve this problem. 

Thank you in advance for your time and consideration NOTE : Please see statement attached
Product: Mortgage

In 2015, I made XXXX payments of {$3700.00} to Shellpoint Mortgage Servicing. According to documents that were supplied by XXXX as well as statements made by employees and agents of XXXX, these payments would cover interest only. The payments were insufficient to cover principal, and in fact were not enough to cover the actual interest in each payment period. The total interest payments in 2015 totaled {$11000.00}. XXXX reported to the IRS that my interest payments in 2015 were only {$8100.00}. This is the figure that was supplied on the IRS form XXXX. There has never been an explanation as to what happened to the {$3100.00} difference. I believe XXXX is violating Mortgage Servicing Rules by either under-reporting interest paid in a year or failing to report on the reason for the difference between interest paid by the homeowner ( myself ) and interest reported to the IRS.
Product: Debt collection

XXXX VisitXXXX  turned this in to a charity program.this has been taken care of to my knowledgeDocumentation was sent to original creditor
Product: Money transfer, virtual currency, or money service

I was scammed by someone impersonating a government official. The scammer used a spoofed court phone number and coerced me into sending the money under false pretenses. They told me I had warrants for missing jury duty. I've never been in any trouble with the law or scammed. 

Chase reimbursed half but refuses to refund the remaining. I sent {$1000.00} total. They're saying the transaction was authorized being that I wasn't forced to send the money. They sent half, acknowledging it was fraud. Denying the rest contradicts their own fraud policy.