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

I recently looked at my credit report and noticed several violations of inaccurate inconsistent incomplete information on my XXXX  and experian credit reports.ive disputed this account at least XXXX times in the XXXX years and the burueas keep reporting XXXX different account numbers for XXXX XXXX XXXX on XXXX  the acount number reporting is # XXXX and on experian the account number being reported is XXXX this violates 15 usc 1681e ( b ) the next violation is XXXX  reports last activity of XX/XX/year> and experian report the last activity date of XX/XX/year> that violates 15usc1681e ( b ) the next violation is the inconsistent payment history XXXX  is reporting no payment history and experian is reporting repeated charge offs and that violates 15usc1681e ( b ) 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.delete XXXX XXXX XXXX from my XXXX  and experian credit reports or pay me {$XXXX} per violation.
Product: Money transfer, virtual currency, or money service

I am filling out a complaint against Cash App ( Block , Inc ) due to inadequate customer service an 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a bankruptcy report that being report by a third and is not the court on or about XX/XX/2018 to ask them to VI fly on what date did they report this to the credit bureau the court response back address the issues state that under the bankruptcy court do not report to any credit bureau agency. and this Letter was date on or about XX/XX/2018., the rule state pursuant 11.usc.107 ( a ) and that section state the court shall not disclose information specifically protected by the court under this title. and XXXX   never to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions This account XXXX XXXX XXXX XXXX XXXX # XXXX is not my account or related to me. I have contacted Experian which is the only bureau reporting this improper account. I asked them to provide me with method in which they verified and added this account to my credit profile. They did not provide me with this information requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has on XX/XX/XXXX file number : XXXX page 11 of 11 under XXXX XXXX XXXX XXXX XXXX XXXX XXXX request on XX/XX/XXXX it seems there under several titles on my Credit file from car loans to XXXXXXXX XXXX XXXX  XXXX  to home equity loans etc. It seems i have a lot of fraud going on with XXXX XXXX XXXX on my credit file. I have also file with the US attorney office as DOJ on this matter with Transunion XXXX XXXX XXXX XXXX in which i have not applied or requested none of the info nor loans or club subsriptions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I disputed addresses on my credit report with Experian. On XXXX XXXX I was told that the addresses were updated. I have never lived at any of the following addresses XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX  XXXX  XXXX, NC XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX Dear XXXX XXXX  Im losing patience here because I have to keep writing you guys about this inaccurate charge-off and you guys keep coming back saying the is accurate. I need you to stop lying to me and to the CFPB stating that its accurate on the previous complaint and hes the compliant number # XXXX. Please look what XXXX responded they confirm that this account is accurate. 

Creditor : XXXX XXXX, Account number : XXXX Inaccurate information such as - Account Type on all three credit bureaus. 
- Terms on all three credit bureaus. 
- Comments on all three credit bureaus. 
- Payment History on all three credit bureaus. 
- Last Payment is in XXXX and why on my Payment history is show that XXXX of XXXX  has a on time Payment. 

I did everything you told me to do. So why is it still reporting on my credit report? Why did I get another letter stating that it was verified? How is that possible, when the other two credit bureaus did the same investigation and the item Can you tell me what data you are using to verify this charge-off account? Because the other two credit bureaus are reaching out to the same creditor to investigate this charge-off account? Im not a complainer but I feel that your company is not looking out for my best interest so Im getting ready to filed complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state and Consumer Financial Protection bureaus, because you have failed to fix the problem. Please re-investigate the account below as I have provided you with new information. 


Sincerely XXXX XXXX
Product: Debt collection

I receive over 5 calls a day from various numbers that all go back to XXXX XXXX. They are now starting to call my place of employment multiple times a day. They have been asked to not call. They continue to call. When people to speak on the phone they are harassing and rude and scare me.
Product: Payday loan, title loan, or personal loan

I received a payday loan from Advance America in XXXX of XXXX at the XXXX XXXX XXXX XXXX XXXX, SC XXXX. I assumed my loan had been paid off. I have received calls periodically over the past XXXX years from some type of third party agency stating I still have an outstanding debt to pay back. They last contacted me on Thursday XX/XX/XXXX. They first called my mobile phone and left a voice message and turned around and contacted my administrator before even allowing me to call them back which I DO NOT appreciate. I have NEVER received anything in writing from them, and when I ask for a certified letter of what I owe I'm always told they have tried to contact me by phone several times. They go on to tell me I owe {$240.00} and will turn around and say I owe {$840.00} in interest. When I try to contact the local branch of Advance America where I received the loan from, they tell me they can't help me and refer me back to that same agency that I don't even know the name of. They only reference their name, my case file #, and that they are going to take legal action. Again, this has gone on for over XXXX years now and I have yet to see any type of legal action take place. I will pay back what I owe IF I owe something but they will need to send me something in writing first. I'm complaining about Advance America because of the confusion and because of the third party collection agency they use. I don't need to be threatened by anyone of legal action. And I don't want calls being made to my place of employment! They are VERY rude and won't let the consumer talk. They talk over you and get louder when you're trying to get your point across.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed XXXX a certified letter requesting " debt validation, '' and send me everything they ( Transunion ) have on file to validate these collections. Transition has failed to prove me with the requested documents for a XXXX XXXX account, and a XXXX account within 30 days of the date of the letter that was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding an accurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I detected many fraudulent accounts reporting on my credit report. My personal information was exposed in several data breaches in XXXX and XXXX XXXX, XXXX mass data breach. This resulted in my identity being stolen and used to open and misuse fraudulent accounts. I REQUEST THIS INFORMATION BE REMOVED IMMEDIATELY. I Remove accounts in compliance to FCRA SECTION 605B
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received a notification that a {$450.00} purchase was made using my Venmo debit card information through the app XXXX. I did not make this purchase. It has been a month going back and forth with Venmo trying to resolve the issue but I am the one thats left to pay for something someone else bought with my information. I immediately contacted XXXX and they closed my account and marked the purchase as fraudulent. A couple days later my account information was used again but denied because my account was closed already. I was immediately notified. They were wonderful. 
Venmo credited me the money while they were working out the dispute but has denied my claim and left me paying for the purchase. They took the money out of my account today. I am beyond frustrated as to why this cant be resolved. I first contacted the company support on the XXXX immediately and again on the XXXX and multiple times in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX is reporting these accounts on my credit report as late and i did not get anything from these companies for these inquiries, the XXXX fereral and chase know my information was XXXX and i made a report about the fraudalent activities that took place on my report last year XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, I didn't authorize these inquiries. 
XXXX XXXX XX/XX/year>, I didn't authorize this inquiry. 
XXXX XXXX XXXX I didn't authorize this inquiry. 
XXXX XXXX XXXX XX/XX/year>, I didn't authorize this inquiry. 
Go XXXX XXXX XXXX - XX/XX/year> & XX/XX/year> XXXX XXXX XXXX Lentegrity XXXX XXXX XXXX XXXX not mine. 
Late payments reporting from XXXX XXXX Account XXXX XXXXXXXX. 
XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
All these information is all incorrect that they are reporting on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute to have the current status updated on my XXXX XXXX  XXXX LOAN properly reflecting I would pray the the credit bureaus cease reporting of the incorrect information IMMEDIATELY.and I have attached the most recent paperwork showing the program that I am in my deferment status please remove/delete the late collections status immediately. I am closing on my home and this matter has in fact been resolved with the United States XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX   XXXX # XXXX
Product: Debt collection

I called Columbia debt recovery DBA Genesis to have a collection removed. They have not provided any adequate information as to how this date belongs to me. It is unverifiable and unauthorized as I request removal. I have gotten very bad attitude. Also a few hung up phone calls. Additionally, under 15 U.S.C. 1692g, you are required to provide full validation of this debt, including proof that I authorized this account and that Columbia Debt Recovery has a legal right to collect on it. If you can not provide proper documentation, this collection must be removed from my credit report immediately. This is what I have said to the representative and have footed no where even management was rude and didnt provide any proof.
Product: Checking or savings account

My cashapp was hacked for XXXX I called and I could not talk to anyone to resolve this issue I closed my mfc account right after cashapp took my money
Product: Vehicle loan or lease

Additionally, I requested time to get caught up on this due to health reasons. Id like all amounts owed tagged to the back end of the loan which would give me time to correct this.
Product: Credit card

Chase provided reports that were not detailed and did not indicate my report was properly investigated. 
I had XXXX credit accounts with Chase that were on payment plans, being paid off via automatic payments. Chase suspended the automatic payments ( without notice ) on all XXXX accounts, and then marked the accounts delinquent. I've spoken to multiple agents from Chase and none of them have been able to provide explanation of why this error occurred. In fact they have said that any evidence would have been purged according to the company 's records retention system.
Product: Money transfer, virtual currency, or money service

My EDD funds were not transferred in full to my checking account as published in BofA 's " California EDD Debit Card for Unemployment and Liability Benefits. '' Through numerous website attempts and phone calls, I was told there was a limit on transferred funds of $ XXXX and a 7-day period waiting period before another transfer could be done. I could access these funds through going to the bank in person but I am at risk for Covid and have tried to minimize going out in the community. Representatives seemed confused about what policy was in place and why it had been changed as well as the difficulty in logging in to my account. I was transferred at times to someone else to help and within 2 rings was disconnected through the last rep was helpful and stayed on the line with me until the transfer was complete.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to investigate my disputes regarding inaccuracies in my credit report properly. 
Despite my submissions, Transunion consistently responds within 24 hours, stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C 1681i, which mandates a reasonable investigation of disputes.

Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( file No. 2025-CFPB -0002 ) against it for similar violations. Request that CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

I'm using my right to object to these erroneous and non-compliant things as a result. You will only demonstrate your lack of concern for my rights as a customer if you ignore my requests. Reporting information that hasn't been verified as ethical and compliant with recognized reporting standards isn't fair. Once more, I contest these assertions and want documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXXXXXX XXXX Late Payment {$2200.00} XXXX XXXX Late Payment {$510.00} XXXX XXXX Late Payment {$1700.00} XXXX XXXX Late Payment {$630.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$6200.00} XXXX XXXX Late Payment {$810.00} XXXX XXXX XXXX Charge-off {$320.00} XXXX XXXX XXXX Charge-off {$1700.00} XXXX XXXXXXXX Charge-off {$0.00}
Product: Consumer Loan

According to my credit score I believe I should have been give a lower APR rate but to being XXXX it was higher.
Product: Debt collection

XXXX XXXX {$180.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, I contacted PNC Bank, who holds my XXXX XXXX car loan, and discussed with them, the need for a payment plan and term extension, explaining that I had a recent downturn in income and would need that in order to be able to resume payments on the car. I contacted them via phone approximately 12 times trying to work out the program, and kept getting different information, no responses, or simply had to start over because someone didn't take notes, or there were deleted notes from previous conversations, or I was transferred to different departments, or was given wrong information, hardship letters misplaced, etc. Finally, XX/XX/XXXX, I was able to get the issue situated. Since so much time had passed going back and forth with different PNC people, my account became delinquent. In early XXXX they made a derogatory report to my credit which decreased my score 60 points for being 40 days past due. It took much longer than 40 days to work through this process with PNC to no fault of my own. I would like for them to acknowledge the reason this delinquency existed was because they took so long working it out, and remove/retract the negative credit submission. 

The payment was for {$450.00} PNC Bank XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX or PNC Bank XXXX XXXX XXXX