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

When I reviewed my credit report, I discovered that these items were 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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on line XXXX to receive my free annual credit report from XXXX, and was told that my report was not available at his time and to check back at a later time. I then went on line to the three other reporting agency and my report would not come up on my computer screen, even after opening accounts.I'am in XXXX on XXXX XXXX, do you think that could be the problem. I'am trying to change bank accounts, and having a hard time for some reson. That is way I need a copy of my credit report, to check for problems on my report. I have not have any credit activvity on my report for over the last XXXX to XXXX years. Any help would be greatly appreciates
Product: Debt collection

Theres an account showing on my credit report that does not belong to me. Its from XXXX XXXX XXXX   opened on XX/XX/2015 with a balance of {$640.00}. This account is not mine at all. Also, there one from a company called XXXX XXXX XXXX opened on XX/XX/2015 with a balance of {$1400.00}. These accounts do not belong to me or were opened fraudulently!
Product: Vehicle loan or lease

on XXXX XXXX XXXX XXXX a living woman, had a loan done with XXXX on XX/XX/2022 she put a deposit over the phone for a hold on a XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX the credit report states a loan for the XXXX of XXXX on XX/XX/XXXX Santander opened an account for a loan. a XXXX XXXX was made on the vehicle in a credit transaction. no rescind act. no truth and lending act
Product: Checking or savings account

XXXX XXXX XXXXXXXX was hacked for {$3000.00} on XX/XX/year> I wrote to XXXX XXXX  on XX/XX/year> and filed a claim with my bank ( Wells Fargo ) it has been almost 3 months and Wells Fargo sent me something in the mail saying they didnt get the information that they needed or requested. I dont understand what I was supposed to provide? I am still locked out of my XXXX XXXX I refuse to use them ever again. I dont understand how i could loose {$3000.00} just like that.
Product: Credit reporting

Received a call from XXXX about suspect acct inquiry. They cancelled card, and issued a new XXXX. On XXXX/XXXX/2015, I made a " freecreditreport '' request with Experian. Provided identifiers, they said that I had already requested a recent credit report ( had n't for well over a year ), that I would be charged {$1.00}. Because XXXX call, I agreed for the {$1.00} charge, even though I know I had not requested a free report recently. I got the report the same day/time. While reconciling our XXXX XXXX account on XXXX/XXXX/2015, I noticed a charge on XXXX/XXXX/2015 for {$21.00} from Experian Creditreport. I contacted a live person with Experian, with the assistance of a XXXX XXXX representative. She said that I signed up for credit monitoring, and I did n't cancel before the end of the " grace period ''. I informed her that I only wanted the free credit report, and reluctantly agreed to the {$1.00} charge even though I had not requested a free credit report recently. She again told me that I had not " cancelled '' within the grace period, but she would " cancel '' my account. She refused to provide a refund of the {$21.00}. First, I have not requested a free credit report in well over a year, I should have been entitled to a free report. Second, I did not knowingly sign up for " credit monitoring ''. I am generally pretty conscientious of " reading the fine print ''. If that was somehow buried in the web page that is very deceptive to the average consumer. {$21.00} is not going to break me. How many times has Experian conned consumers out of {$21.00}, or worse if consumers do n't reconcile their credit card accounts every month. Require Experian and other credit bureaus to accurately represent prior free credit report requests, and if they are equally abusive to the public to clearly state what services they provide and the fees to be charged for those services.
Product: Debt collection

There is a creditor Seq Fin Services putting medical bills not belonging to me at all but by my husband who i am and was seperated from and had no knowledge of this debt or its occurance. Suddenly The company sequoia put the debt under my credit bureau despite me telling them i am not the debtor they didnt care and said they will collect the money from me instead.. I am not the owner of the debt at all. I reported this to XXXX  XXXX failed to get proof of this debt not belonging to me and failed to remove this from my credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/1981 Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate or incomplete. I am emotionally distressed by these errors and request your immediate attention to these issues. 



The following accounts have been reported incorrectly on my credit report : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX  XXXX Late Payment XXXX XXXX XXXX XXXX XXXX Collection Account XXXX  XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX  Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXXt XXXXXXXX XXXX  XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXXXXXX XXXX  XXXX Collection Account XXXXXXXX XXXX  XXXX Collection Account XXXX XXXX  XXXX Collection Account XXXXXXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection Account I dispute these accounts as they contain incorrect and incomplete information. I request that these accounts be investigated and corrected or removed from my credit report immediately. 



Furthermore, I would like to bring your attention to the Fair Credit Reporting Act, which requires credit bureaus to ensure the accuracy of the information they report. The act also entitles me to dispute any inaccuracies and receive a response within 30 days. 



I expect a prompt response from you regarding the above issues, and I request that you provide me with a written confirmation of the actions taken to rectify these errors. 



Thank you for your immediate attention to this matter. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete all accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which protect consumers in cases of identity theft and unauthorized use of their personal information. 
Please find below the accounts and inquiries associated with this data breach : Accounts : XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$980.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$980.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$29.00} XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$1500.00} XXXX. XXXX XXXXXXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$560.00} XXXX. XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$260.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$630.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$980.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$30.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$160.00} Inquiries : XXXX XXXX : XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

We are making significant improvements on our house and using the credit card to fund the majority of the purchases. We make regular purchases and regular payments to ensure adequate availability on the card. We have never had a late payment, and we pay the balance off monthly. Yesterday, we made a payment totaling half of the outstanding balance on the Synchrony website. After making the payment, the website indicating the payment would be posted the same day. The payment was not posted as indicated. We called customer service informing them we were traveling out of state and concerned we would not have availability when out of town. We were informed it could take up to 24 hours to process the payment regardless of what the website indicated. Last evening, our card was declined at a restaurant despite having more than adequate availability. Customer service was called again the following day and informed Synchrony was holding our payment for one week sighting potentially fraudulent activity. We have always used the card as agreed, pay off the balance monthly, and have fraud alerts text to our phones from both the retailer and the Synchrony when payments are made. If this was the first time we had problems with a decline, I would try to understand, but this is not the first despite having thousands of excess available on the card. We are just a small customer. Maybe they will listen to the cfpb, or someone with a bigger stick. 

Regards
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX. 
Date opend- XX/XX/year>. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account XXXX. 
XXXX XXXX. 
These disputed accounts has violated my federally protected rights. And according to the FCRA, whenever a consumer reporting agency prepares a consumer report, they shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual whom the report relates according to 15USC 1681 ( e ) ( b ) .And according to 15USC 1681 ( I ) ( 5 ) Transunion are supposed to do this ( 5 ) .Treatment of inaccurate, or unverifiable information. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Paraphrased Version : I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.
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 am appropriate redress for these violations.
Product: Debt collection

Company is reporting that I owe {$570.00} to XXXX XXXX XXXX, I have never has business with this company. This account is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is with Honda Financial Services. Account Information : Account # XXXX XXXX XXXX   VIN:XXXX XXXX In XXXX of this year, we moved from XXXX XXXX XXXX. to XXXX XXXX XXXX XXXX MA, XXXX. 

I called and reported my move to Honda Financial Services in late XXXX. By the time I called and a bill had been resent, the account was overdue. 

I received a call from collections sometime in XXXX/XXXX  about the delinquency of the account. Collections requested a payment over the phone. I explained that I was not going to give my credit card information out to anyone over the phone, that I had moved and to please send me a bill and I would pay immediately. 

While no bill had come in the preceding week, I took it upon myself to create an account with Honda financial services and paid over the internet. I have had the lease for 3 years and have never paid late. 

This delinquency caused my credit to drop significantly. 

So i called Honda and explained the case. They said that bc collections called me then they were absolved from any dispute. I explained that I pleaded with collections to send a bill immediately but no bill was sent. That the forwarded mail as well as the XXXX/XXXX   statement arrived yet the account was already overdue. 

Collections for Honda does not send account statements out and I was uncomfortable making a payment over the phone. They believe that just bc collections called me and I answered then I was responsible for the bill as well as reporting to the credit bureau.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and

the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do thorough research an verification everything on my credit reports and they did states they verified it and I still found some inaccuracies after they did the thorough research. Still improper use of my credit report. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX .... 

XXXX XXXX XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX .... 
XXXX  XXXX .... 
XXXX XXXX XXXX XXXX XXXXXXXX Identification number XXXX Item name XXXX XXXXXXXX XXXX XXXX XXXXXXXX Identification number XXXX Account name XXXX Account number XXXX XXXX. 
Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX Account number XXXX .... 
Account name XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account XXXX XXXX .... 
Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Account name XXXX XXXX XXXXXXXX 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. 

Please see all credit report and screenshots proving that they did not do the full thorough verification report. you can see the inaccurate dates for date opened, inaccurate account numbers, and the date of last activity, and last reported is all inaccurate. Please remove from Equifax, XXXX and XXXX.
Product: Debt collection

yes I contacted by phone enhanced recovery and tried to dispute the charge they stated I had to fax or mail it so I did they still have not fixed this false debt as I never had a XXXX account in my name ever.
Product: Credit card

Letter to Capital One Card Customer Service : Capital One 1 ) Teamsters Card : ending XXXX 2 ) XXXX XXXX ending XXXX XXXX XXXX XXXX ending XXXX Attn : Fraud Dept. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Capital One Attn : Payment Processing XXXX XXXX XXXX XXXX, NC XXXX Subject : Account Reinstatement Inquiry for Capital One Card Dear XXXX XXXX Customer Service, I am writing to express my deep concern and frustration regarding the suspension of my XXXX XXXX account. All my accounts were current and in good standing, and I have not received any valid explanation for this suspension. 
I want to emphasize that withholding my access to my securities constitutes security fraud. As a consumer, I have the right to credit, and this action is a violation of the Consumer Credit Act and the Equal Credit Opportunity Act. Regardless of the reason for revoking my credit line, this decision has had a significantly negative impact on my credit score. 
I kindly request an immediate investigation into this matter and urge you to retract this decision promptly. I expect a thorough explanation for this action, and I anticipate a resolution to this issue without further delay. 
Sincerely, Consumer Credit Act : The Consumer Credit Protection Act ( CCPA ) is a federal law that encompasses several statutes, including the Truth in Lending Act ( TILA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Debt Collection Practices Act ( FDCPA ). These laws protect consumers in various ways, such as ensuring accurate credit reporting, promoting fair lending practices, and regulating debt collection activities. 
Equal Credit Opportunity Act : The Equal Credit Opportunity Act ( ECOA ) is a part of the Consumer Credit Protection Act. It prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ), or because the applicant receives income from any public assistance program. 
I have called in an attempt to resolve this matter and was denied by a XXXX she also stated her supervisor, XXXX XXXX ID : XXXX was not taking phones calls. 
Violations of these laws can result in civil penalties and fines imposed by regulatory agencies, and individuals who believe their rights under these laws have been violated can file complaints or lawsuits seeking damages. It's important to consult legal counsel or the appropriate regulatory authority for specific and up-to-date information regarding these laws. 

Warm regards, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ca XXXX cc : XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX