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

I previously disputed this issue with Transunion and it was returned as showing verified as accurate but i know this is not true. I further stated numerous times that I have been a victim of identity theft and even attached previous statements before that should already be in my transunion file. 

Account # XXXX XXXX XXXX XXXX account opened XXXX/XXXX/XXXX - High Balance of XXXX. 
This account could not have been verified as accurate because it was paid through autodrafts each month and was never late. Transunion has failed to show how this was verified as accurate. This account should be deleted immediately from my file. 

XXXX Account # XXXX - This account has numerous data inaccuracies and should be deleted from my transunion report. The credit limit was XXXX and was never late as it was also autodrafted from account and account was further paid off in fullwell over two years ago. This account still reports as if there is a current limit and or high balance of XXXX dollars from XXXX to XXXX. This is not accurate and should be deleted. 

Inquiries : XXXX - I did NOT authorize this and it should be deleted XXXX XXXX - I did not authorize this inquiry and it should be deleted XXXX XXXX XXXX - I did NOT authorize this inquiry XXXX XXXX  I did NOT authorize this inquiry XXXX - I did NOT authorize this inquiry XXXX XXXX - I did NOT authorize this inquiry
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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I took advantage of a CitiBank promotion which was to open a new account and receive a {$400.00} bonus after meeting requirements. I had met the requirements and it 's been nearly XXXX months and the bonus still has not posted.
Product: Debt collection

After much research and many phone calls, Data Check of America has been repeatedly calling both my home and my cell for a supposed NSF check from 1998. They refuse to mail me anything, give me their address, or a professional license number. When I start asking questions, they hang up on me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX  XXXX Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my credit file for the XXXX XXXX account ( Account Number : XXXX ). These late payments, specifically a 30-day late payment for XX/XX/XXXX and a 60-day late payment for XX/XX/XXXX, are erroneous and do not reflect my actual payment history. 
Nature of the Complaint : Inaccurate Reporting : The listed late payments are incorrect as I have consistently made my payments on time through autopay. 
Violation of FCRA ( 15 USC 1681i and 1681s-2 ) : Credit reporting agencies and furnishers are required to ensure maximum accuracy in consumer files. The failure to correct these inaccuracies constitutes noncompliance with federal law.

Violation of FDCPA ( 15 USC 1692e ) : Reporting incorrect information about payments may qualify as deceptive or misleading practices under the Fair Debt Collection Practices Act.

Violation of TILA ( 15 USC 1601 ) : The Truth in Lending Act mandates accurate reporting of credit terms and histories.

Civil Liability Under FCRA ( 15 USC 1681n and 1681o ) : Noncompliance with these provisions subjects the responsible parties to legal liabilities, including actual damages, punitive damages, and legal fees. 
Summary of Discrepancies TransUnion : Reported 30-day late payment for XX/XX/XXXX and 60-day late payment for XX/XX/XXXX. 
These are incorrect as the account history reflects consistent payments with no delinquencies. 
Requested Resolution : I request the following : Conduct a thorough investigation into the discrepancies on this account. 
Remove the inaccurate late payment entries from my credit file. 
Provide written confirmation of the corrections within 30 days, as required under 15 USC 1681i ( a ) ( 1 ) ( A ). 
Failure to comply with this request may result in further actions to enforce my rights as a consumer under federal law. Attached, you will find supporting documentation, including payment records and statements, to substantiate my claim. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/XXXX {$13000.00} was transferred from my XXXX bank account to a new Ally savings account. Im that time Ally closed the bank account so there was nowhere for the funds to land. Ally said they refused the transaction from XXXX XXXX  and the money was reverted to the original account. The money has not made it as of XX/XX/XXXX. I opened a dispute with XXXX XXXX, it was denied. XXXX XXXX  claims it is XXXX fault, Ally claims it is XXXX XXXX  fault. I have spent several hours over several days on the phone with both banks and with no success. 

Below is the information Ive document during that time : XXXX XXXX  info : Trace ID : XXXX Opened a claim on XX/XX/XXXX to claim my missing funds : Tracking ID XXXX XXXX Bank advised they Denied my dispute XXXX They reopened the dispute once I provided a new Trace ID that I was provided XX/XX/XXXX. 

XXXX Bank Told me to open up a police report and get a lawyer and that there is nothing more they can do. Called back with new XXXX ID from Ally XX/XX/XXXX and they reopened the dispute. 

Ally Transaction number : XXXX Amount : XXXX Original call requesting XXXX ID they claim they can not find Wont provide name of XXXX working in the case or put me in touch with anyone. They send me to an education inbox- nobody calls me back as of 4 business days later. 

XX/XX/XXXX Ally provide Trace ID : XXXX - Second Trace ID XXXX This is the XXXX XXXX  XXXX ID and not the one for reversing the funds. 

They claim they had an influx of identity theft problems on the week of XX/XX/XXXX and that XXXX have contributed to the problem. 

XX/XX/XXXX is the first day Ive been forwarded to a supervisor dispute calling several times and requesting to be As of XX/XX/XXXX this issue has not been resolved
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  XXXX  Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove these late remarks. 

XXXX XXXX XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove these late remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 
XXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$11000.00} XXXXXXXX XXXX XXXX XXXXXXXX # XXXX {$10000.00} The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand this account be deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that my address was incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX, Il. XXXXis listed as a previous address for me on all of the 3 Credit reporting agencies. I have never lived there. I tried to lists the dispute with each and I have been unsuccessful after several attempts
Product: Credit reporting or other personal consumer reports

The following account was to be removed from my credit report XX/XX/XXXX, yet XXXX and Transunion are still reporting this account a year later. XXXX has since removed the account XXXX XXXX XXXX XXXXXXXX XXXX XXXX and Transunion are also in violation of reporting incorrect information. The date last active was XX/XX/XXXX, yet you are reporting XXXX which is a violation of the FCRA. Furthermore, an account is to be deleted after 7 years. This account has been closed since XXXX XXXX, and it has since been 8 years. Please remove this account from my credit report or I will have no choice but to take your company to court due to FCRA violations. I will attach my credit report for your reference. I am expecting this account to be removed within 14 days due to the 7-year period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting a debt of {$470.00} owed for a credit card with a beginning balance of {$400.00}. The card was opened on XX/XX/XXXX. The Account was closed on XX/XX/XXXX. This debt is not valid and should no longer be appearing in my credit file. In accordance with the FCRA this file should have been removed from reporting as of XX/XX/XXXX.
Product: Credit card or prepaid card

I received a cell phone call on XX/XX/22 from someone saying that it was XXXX, checking on a couple suspicious charges. I said I had not made them and the person on the phone told me what company the charges were made to and where the merchandise was to be sent. I further confirmed that those were not my charges. They asked me if I had lost my credit card or let anyone else use it. They were very sympathetic and gave me advice on how to make sure my card wouldn't be misused in the future. 

This person then said that I was part of a scam from a company that was already being investigated by the government. They said that, to clear this, they would connect me with the bank that my credit card payments go through. The XXXX person ( the " bank '' ) said that they needed by SS # and the last XXXX digits of my checking account in order to proceed. When I hesitated, they assured me that they would get this all cleared up. They, too, were very sympathetic and offered security advice, saying that this is a big racket and is happening all the time. I asked them for their name again and for an employee ID number, which they readily supplied. After that, person # XXXX said that they would connect me with the FBI, and that I should explain about the fraudulent company. 

After a few minutes, an " FBI '' person picked up and, upon my request, gave me his name and badge number. ( All XXXX of these people had XXXX accents, but I didn't want to assume that they were part of a scheme, so I proceeded. ) I told this person that before I went any further, I needed confirmation that they were legit. He had me look up the FBI site, then confirmed the address I was seeing. He also had me look at the phone number on the site. He asked if he called me from that number, would that confirm it for me. I said it would. Then he actually called me from that number! He then gave me a " case number. '' He asked how much money I usually kept in my checking account. When I asked what that had to do with anything, he said all the information I gave would make it easier for them to help me. That was finally the last straw for me. I said I had to take care of a couple things, and would get back to him. I asked for his desk number and he supposedly gave it to me. XXXX I called it back later to play with him. He actually picked up. I said I was calling about my earlier case, not giving my name. I asked him to tell me again what my case number was, and he gave me that same number again. ( They must give everyone the same " case number. '' ) He asked what he could do for me- and I said that I had now been on the phone long enough to start an investigation on him - and hung up. I wish. 

How very foolish of me. But my concern for not judging a foreign accent - and their " concern '' for helping me out of my urgent problem sucked me right in. Sigh.
Product: Credit reporting or other personal consumer reports

I recently applied for a credit card and I was denied. After reviewing the email XXXX XXXX sent me explaining the reasons why I wasn't approved, I realized that some of the statements on that letter were not accurate. I called XXXX  XXXX and I was advised to call XXXX about this matter. XXXX recommended me to call the agency that has my info about some unpaid money and that placed me on collection. After I called that collection agency, I was explained that they have someone with the same name as mine in a different state. The date of birth did not match and when they ran my social and address there was no record of me owing money. I am very frustrated and confused with all this because I'm planning to buy a house this year and I'd like to get my credit history cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX 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 The following accounts are all fraud and need to be deleted from my credit report immediately.
Product: Debt collection

Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I receive calls and my family member on a daily basis for years now. The phone numbers use are many and sometimes they leave threating deceptive messages Yesterdays message on XX/XX/19 @ XXXX My name is XXXX XXXX I a.m. reaching out to you today as a courtesy and regards to documentation that was placed with me ______ your name and Social Security number I've been asked to review this matter and I wanted to give you a chance to provide a statement on your behalf prior to my recommendation being made it is imperative that I speak with you to discuss this matter further I can be reached directly at XXXX ___ I'm calling referred to file number XXXX XXXX The debts are over 4 years old and they continue to harass me.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) Dear Equifax Customer Service, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries on my credit report under the provisions of 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). As a victim of the Equifax data breach, I am concerned that my personal information has been used without my authorization. 
The fraudulent accounts or entries I have identified are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ) - XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) - XXXX Please take immediate action to : Identify and block and delete fraudulent accounts : Any accounts or inquiries related to unauthorized activity must be flagged and removed from my credit file. 
Provide confirmation : After processing, I request written confirmation that all fraudulent information has been blocked and deleted from my report. 
Under the FCRA, I have the right to request that these accounts be blocked and removed from my credit file to prevent further harm and to ensure the accuracy of my credit report. I have enclosed the following documents to support my request : To assist with this process, I have included the following documents to verify my identity and support my claim : A copy of my government-issued ID A utility bill or bank statement for proof of address A copy of a police report or an FTC Identity Theft Report Failure to comply with FCRA Section 605B is not only a violation of my rights under federal law but also exposes your agency to potential civil liability. As stipulated under FCRA 605B : 1. The fraudulent accounts must be removed from my credit file and no longer appear in any future credit reports issued by your agency. 
2. You are prohibited from re-inserting these fraudulent items unless you have a good-faith basis to believe that the information is accurate. If such action is taken, you are further required to provide me with written notice of this reinsertion within five ( 5 ) business days, detailing the basis for your decision. 
Please understand that this is not a request but a formal demand for compliance with federal law. Your failure to respond and take appropriate action will be met with the immediate pursuit of all available legal remedies, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil litigation under the FCRA. 
I appreciate your immediate attention to this matter. Should you need additional information or have questions, please do not hesitate to contact me at the information above. 
Thank you for your assistance, and I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX Enclosures : ID FTC Social Security Card Utility Bill
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

XXXX XXXX XXXX XXXX XXXX had reported a payment late on my credit report for the month of XX/XX/2022. I set up two payments to be taken out of my account on XX/XX/XXXX and also XX/XX/2022. For some reason the company has failed to withdraw the funds from my account even though I had enough money in my account to cover the payments. I sent in proof from my bank on XX/XX/2022 which stated that XXXX XXXX XXXX XXXX failed to withdraw the funds from my account. I also sent in proof of my statement for the month of XXXX which shows that there was enough money in my account to pay for these payments. The credit card company XXXX XXXX XXXX XXXX still failed to update my credit report my payments should have went through but XXXX XXXX XXXX failed to take the funds even though they were in the account. My payments should have been paid since I had money in my account. They should not be reported late because the company failed to withdraw the funds that were there.