23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXXXXXX XXXX XXXX someone from XXXX XXXX charged my card again with out my permission and was posted on XXXX XXXX XXXX. I did not give permission for any of this to happen. Verbally, by phone or otherwise.I have had no knowledge of this once again and they are refusing to remove this amount of {$5800.00} ) I will not pay for a furniture amount for a bedroom set I did not!! Authorize. Please please help!!? This needs to stop and be removed. This is fraud and someone in XXXX vt or XXXX by is trying to steal my identity and committing a crime. This is not my charge and by writing to you I was told you would help. Please help this is ultimately ridiculous! I did not apply this purchase. This needs a simple balance adjustment off my credit card and this would be resolved. Never in my whole life has anything this crazy ever happened to me. You must help.
Product: Credit reporting or other personal consumer reports

Hi, I recently became aware of student loan account in collection on my credit report. This is not my debt. I'm a victim of identity theft once again. I've reported this fact repeatedly to all XXXX major credit bureaus I have a credit freeze and fraud alerts on my credit, sometimes it helps and sometimes not. I been a victim of this nightmare many years over and over again. I do have XXXX more complaints to letters to write as soon as I complete this one. I would like to add personal I'm XXXX XXXX XXXX XXXX XXXX veteran. Married over XXXX years. Lived in the same home XXXX years and retired for XXXX years a XXXX XXXX XXXX XXXX for many years and except for these fraudulent accounts I don't owe anyone.
Product: Mortgage

We where in the process to purchase a Home at a Community that This Mortgage Company has. The issue was this company gave us wrong information in regards credit score and no inventory to purchase and information to go ahead to run the credit report. I had to open an investigation with the Credit Bureaus a d contact them to find out that your company told us was extremely low we are talking about a credit score XXXX to be lowered supposedly XXXX this outrageous. Also this Company refuse to show us the scores nor give us the source of your third party company witch was extremely wrong. I wanted to stress this incident also it reflects the unprofessional service and malice and discrimination process to the FTC Credit Laws in our State.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my XXXX and Experian Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed these items and will continue to dispute this item until they are removed from my credit reports.

I contacted both credit bureaus on XX/XX/XXXXand disputed these items yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account and the information is accurate.

I contacted XXXX XXXX on XX/XX/XXXX and they referred me to XXXX XXXX XXXX XXXX as it pertains to this account. I did contact XXXX XXXX XXXX XXXX on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX.

I received a letter from XXXX XXXX Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name.

I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. XXXX XXXX  informed that they sent electronic letters to both XXXX  and Experian telling them to remove this item from my credit reports ASAP and yet it remains.

XX/XX/XXXX will be two months and according to the letter I received from XXXX XXXX it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit reports as of yet. The letter sent to me by XXXX XXXX was dated XX/XX/XXXX.

Also on my XXXX and Experian Credit Reports they have accounts listed as closed/removed with a {$0.00} balance that is counting against me making my score go down and not up. When items have been verified that they do not belong to an individual and removed from your credit reports yo

ur scores goes up not down. Both reports are reporting the same information twice one with the amount and one with a {$0.00} balance so I am confused which one is it? XXXX has been the absolute worse of all and they told me that as a consumer I can not dispute any information on my credit report and that they can not delete or remove anything from my XXXX credit report only the company can. XXXX  has been giving me the wrong information and every time I call in their is always a problem or I get a person who is a foreigner and does not speak English or their systems are always down. It is never ending a
nd I am sick of it.
Product: Credit reporting or other personal consumer reports

Account In Dispute : XXXX XXXX XXXXXXXX Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax, block information appearing on my consumer report that is result of identity theft and fraud within 4 business days of you receiving this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 violates 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 card or prepaid card

My account XXXX was blocked in XXXX XXXX .I have attempted to have the block removed by providing proof of Identity .I have even tried to go into an ace check cashing store with a valid Id and have been unsuccessful. They have requested Id, proof of residence, and a social security card. I have submitted all within requested and have still been refused access to the funds that have been direct deposited from SSI. I am asking for help to have then release my money remove this block.
Product: Credit card or prepaid card

I was issued a credit card with a {$48000.00} credit limit, and the company closed my card without my acknowledgment or consent. The card had a 0 % interest rate for 12 months which has been closed as well, I believe. I havent received any communication from the company other than when I called to report my credit card not working and the representative stating that my account was under review.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023XXXX XXXX XXXX XXXX XXXXXXXX of Florida called my home claiming to be with XXXX XXXX XXXX XXXX, later discovering the name of the company while having me signed a bogus contract electronic signature, the true company name is XXXX XXXX XXXX XXXX  of Florida. The following scammers are XXXX XXXX, XXXX XXXX and XXXX XXXX. The contract failed to disclosed " No Refund and Services Rendered. '' on the contract or " unearned fees '' charged. The caller gained trust by accurately identifying credit card numbers and name of creditor representing themselves as legitimate representative of XXXX XXXX XXXX XXXX, instead of XXXX XXXX XXXX XXXXXXXX of Florida. I was conned by these people of {$2000.00} to reduce credit card debt, instead it ADDED the {$2000.00} on top of the amount by Deceptive Trade Practice and Misrepresentation. I was instructed to STOP MAKING PAYMENTS for 45 days, in order for the account to be late and be in default, when my account was on AUTOPAYMENT each month. Later, I discovered there are two complaints within 1 year by the same people and ten complaints within 3 years by the same parties. All of the confidence game and con game were done over the phone under misrepresentation of the facts and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were inaccurate reports of late payments on a closed account, even after the closing date inaccurately reported, and when I had disputed it in on XX/XX/22 they did not respond and no changes were made. I disputed it again on XX/XX/22. 

Passed more than 30 days later after XXXX 's disputes, the Credit bureaus stated my account was properly investigated but my current credit report now displays that TransUnion had deleted the payment history, XXXX changed the dates, which are still inaccurate, and XXXX erased their payment history to unknown status. 

Also, between all three credit bureaus ; TransUnion, XXXX, and XXXX, the opened dates reported are inconsistent and inaccurate, the closing date is inaccurate, last payment made is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. They also violated my rights under : 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 Also, the Credit bureaus took exceedingly more than 30 days to complete my investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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: Mortgage

My mortgage company, Carrington Mortgage Services, is threatening to foreclose on my home. They have lost a payment that has cleared my bank. I have worked very hard to bring my account current. They are also adversely affecting my credit rating
Product: Credit reporting or other personal consumer reports

Back in XXXX I wrote to the CFPB about the data XXXX data breach. I was notified that my data was affected. I immediately notified the CFPB about the breach. I also stated that I want to block my credit profile report. Meaning I need written notice from entities when furnishing or sharing my personal data.Where is your written notice? This is identity theft! Your entity is violating my rights. I received a new inquiry of a new address on my credit profile. How did that address get on my report? I never lived at the location. I live in XXXX, NC not XXXX, FL. Please remove : XXXX XXXX XXXX XXXX, FL XXXX. How did anything get on my report without written permission? This is considered identity theft. This address needs to be removed immediately. My address is XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NC. All correspondence should be addressed to XXXX XXXX XXXX XXXX. 

Where is the contract for XXXX XXXX where I gave them permission to furnish my account? Where is your entity 's written notice? As I stated in my last letter you need written permission from XXXX XXXX XXXX before furnishing any account information. My accounts are run by my XXXX. All my accounts are private and I require written permission from all agencies to share XXXX XXXX XXXX XXXXonsumer profile. With each violation will be a fine of {$1000.00} for noncompliance. I need a notice from the financial institution or credit agency with full account information and full disclosure on how to settle the account in bankruptcy, see Bankruptcy act of 1933. After I examine the account, I will decide what to do. As these are my accounts. Your company operates through the United Stated Codes, please follow those codes, or I will be forced to take civil action. Please remove all inaccurate information below. Thank you for your time. 


Remove immediately Inaccurate Information Address XXXX XXXX XXXX XXXX, FL XXXX Accounts XXXX XXXX XXXX XXXXXXXX XXXX Accounts : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, under 15 USC 1666 ( b ) and 15 USC 1681a ( 2 ) ( A ) ( i ), which address the accurate reporting of credit information and the responsibilities of furnishers, the discrepancies in my credit report need to be addressed. 

Despite my previous communications and requests for correction, neither bureau has responded to my dispute or updated my credit report to accurately reflect the status of the accounts in question. The incorrect reporting of late payments and the failure to classify accounts correctly as either open or closed is in clear violation of the FCRA.
Product: Student loan

I have submitted my Employment Certification for all of my XXXX XXXX  periods and my eligible payments towards XXXX has not been applied. I should have over XXXX payments to begin my loan discharge but MOHELAXXXX XXXX XXXX has failed to count these correctly and applied them to my qualifying/eligible payments for the dates of XXXX. Ive been told I just have to wait but XXXX and MOHELA has had this paperwork for over XXXX  years but they are not applying it correctly. They've approved once but failed to enter my employment end period of XX/XX/XXXXXXXX  correctly, for some reason, their staff entered an employment start and end date or The XXXX XXXX of XXXX which is incorrect. They want me to submit additional paperwork and all the information from the HR Director, XXXX XXXX is there in the letter that I uploaded to their site on XX/XX/XXXX, they keep failing to review the letter fully and want me to resumbit the same information in a different format. Its ridiculous!
Product: Checking or savings account

Hey, I wanted to file a complaint about multiple overdraft fees to my navy federal checking account. These fees were assessed while having sufficient funds in my account available at the time, due to delayed posting of charges and credits, I was still unfairly charged with so many fees. Navy federal has had unfair deceptive practices that have cause my account to go negative too many times
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously try to get the credit agency to look into an unverified account, but all they do is sent me back an account that they said it was verified. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Also. 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information any other adverse item of information, other than records or convictions or crimes which antedates the report by more than seven years.

Too many violations to my rights. if this keeps going, my only option would be to seek monetary compensation for the damages done to me. I demand the following accounts be verified or removed immediately. I will also attach identity theft report from the FTC XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX, and XXXX. I have informed the consumer reporting agency TransUnion by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Product: Debt collection

XX/XX/XXXX Dear CFPB ; I Filled bankruptcy, XX/XX/XXXX, On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX. XXXX, CaseXXXX. They Called I Talked To XXXX XXXXXXXX XXXX He Was So Horrible Demanding Payment Immediately, Was Told FICA From Bank, And The Federal Government Will Garnish My XXXX  Checks, That I Am required To Pay Even With My bankruptcy, Would not allow me to talk to my lawyer, Made me pay {$30.00} And That They will Now Take {$100.00} a month out of my bank, This Was with Wells Fargo Bank about 7 years ago. I Have Received No Notice, No phone calls, nothing, And I was Threaten So Much, I was Shaking! I contacted My attorney.

XXXX XXXX   XXXX Chapter XXXX  Case Manager XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New Mexico XXXX Telephone : ( XXXX ) XXXX XXXX XXXX Facsimile : 1  ( XXXX  ) XXXX   email : XXXX website : XXXX XXXX XXXX   They Said Not To Speak With Them again She Was So angry At Them. 

Please help XXXX XXXX XXXX XXXX
Product: Credit reporting 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$690.00} ; XXXX  XXXX Balance : {$8700.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have all 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 an 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

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account list below violated my ferally protected Consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account : XXXX  XXXX, Date : XXXX XXXX Account : XXXX XXXX Date : XX/XX/2022 Account XXXX XXXX XXXX Date : XX/XX/2022 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency furnishes an 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 or any other adverse item of information, other than records of convictions of crimes which antedates the reporting 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX 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. q681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

ASKED TO RESUBMIT MY COMPLAINT TO REMOVE AN EXTENDED FRAUD ALERT WITH MY ID AND ADDRESS PROOF XXXX XXXX  XXXX