23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After the XXXX and XXXX merge XXXX I was sent to collections for an outstanding debt of {$300.00} for phones I had already paid for and switched to another carrier. I called XXXX XXXX XXXX XX/XX/2023, and they confirmed that I had paid the XXXX  months of fees on the phones before I switched services. When I contacted XXXX customer support they forwarded me to the debt collections agency. It seems that because of this merge they changed the rules about how phones are paid off. I can no longer get access to my XXXX account to document that the phones were paid off or get a copy of my contract.
Product: Debt collection

I tried communicating with lenscrafters several time due to a collection they reported on my credit report even though I paid it off right away. I have all the receipts and invoices that are necessary to prove that this account was paid a long time ago. However, they still reported it. So I called them several times and they told me to send them my documents ; which I did, and months later, they still have n't gotten back to me. I called them and asked and they said they do n't have a number to their dispute department. How is that even possible? How am I even suppose to know they 're looking at it? They would always tell me they 'll call me but never did. So I am hoping that by this complaint, it will open their eyes that this kind of matter should be taken seriously. It 's not like I just picked {$400.00} on the sidewalk and much more my credibility as a borrower to have that kind of remark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX my identity was stolen inquires and cards were purchased in my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is with this company. I gave them permission to pull credit once, but not a second time. They did it a second time without any authorization and it surprised me when it showed up on my credit report. 

GUARANTEED RATE INC via XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Inquiry Type : Individual The authorized request was on : XX/XX/2019 The unauthorized request was on : XX/XX/2019
Product: Debt collection

A gentleman called me at my place of employment and stated he is with US Fast Cash. He told me i owe {$790.00} for a payday loan. I asked for documentation for this debit. He told me he ca n't provide it. He has been asked to stop calling my job and he continues to call and ties up phone lines. I have been scammed too many times in the past.
Product: Checking or savings account

A deposit account was opened in XXXX which offered a {$50.00} bonus. The bonus was not paid timely and several requests were made to close and refund the account balance. I was told by Capital One that they would not mail a refund of the account balance. They recently mailed a letter stating they are attempting to abandon the account. I again called to request closing/refunding but I was told they will not refund my balance.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent a {$600.00} Payment via CASH APP ( Block , Inc ) to XXXX XXXXXXXX XXXX XXXX XXXX XXXX  for a XXXX XXXXXXXX XXXX The following day when I was suppose to move I discovered that the key given to me did not work and I was unable to get in contact with the " landlord ''. I realized at that moment that I had been scammed and requested a refund from the recipient which was denied. When I explained the situation to CASH APP via chat they refused to dispute or assist with the fraudulent account on their app and refused to issue the refund.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX - The following inquiries were not authorized and should not be reporting. 
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.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 U.S.C 1681s-2 ( A ) ( a ) 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

This marks my initial attempt to convey that I've fallen victim to identity theft. I'm raising concerns regarding certain entries in my document resulting from this crime. These entries pertain to transactions that neither involve nor reflect any purchases, services, or monetary authorizations on my part. If indifference reigns, I request the removal of any significant information stemming from an alleged fraudulent or extortionate activity in my credit record. 
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 card

On XXXX XXXX, I noticed a pending transaction on my CapitalOne credit card in the amount of {$120.00} from " XXXX XXXX ''. Because I was XXXX shopping a lot during this week, I was checking my credit card transactions often and I immediately knew {$120.00} from XXXX XXXX wasn't something I recognized. " XXXX XXXX '' is not even on XXXX, so it was fishy to me right away, so I called CapitalOne to report the fraud transaction asap. 

In short, CapitalOne got back to me a week later and still charged me {$120.00} from XXXX XXXX saying to me that the transaction was made " in person '' using the " chip '' so they did not deem it as fraud because the card wasn't lost. The fact that I had the credit card in my possession, but someone was able to charge my credit card as if it were me is what's most worrisome to me. Because that is what fraud is, right? I have reported this to identitytheft.gov, the credit bureau, and the local police. 

I'd be happy to provide anything CapitalOne or help Police or any government agencies requests in order to get to the bottom of this type of fraud where the credit card companies are even fooled, and the consumer ultimately suffers due to it.
Product: Credit reporting or other personal consumer reports

XXXX is not the original lender, XXXX XXXX XXXX  is. The description of my loan on my app is a bike and 12 month limited membership. I received the bike, but I did not receive a limited membership, XXXX charged my account over {$40.00} every single month from the time I received my bike, not only that but the bike dropped in price {$400.00} and I never received any kind of credit for that amount. I am being reported as having a late payment in XXXX of 2021 and that is incorrect. XXXX does not protect consumers, they label as a layaway program- yet destroy your credit report with incorrect information and refuse to follow due process when investigating information. I have also fallen victim to a massive data breach thanks to XXXX.
Product: Bank account or service

US BANK - XXXX XXXX, 2014 DISPUTE AMOUNT XXXXUS BANK XXXX XXXX XXXX, 2014 DISPUTE AMOUNT XXXXTO WHO THIS MAY CONCERN : FUNDS WERE TAKEN OUT OF MY ACCOUNTS. THESE ACCOUNTS WERE SATISFIED. THESE ACCOUNTS ARE IN GOOD STANDING PER BANK BRANCH MANAGER. PLEASE REMOVE THESE NEGATIVE ACCOUNTS OFF MY FILE. OR SIMPLY UPDATE THEM. MY ACCOUNTS WITH US BANK ARE STILL OPEN AND POSITIVE.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Inquiries : JPMCB card. This account has resulted in several fraudulent hard inquiries on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiry as reported. The aforementioned hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all three major bureaus the date of the last letter to Experian was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX Balance - XXXXXXXX XXXX XXXX XXXXI XXXX Balance - XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXX XXXX  Original XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$110.00} XXXX XXXX XXXX Original creditor MICHIGAN XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXXL Original creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance {$140.00}
Product: Credit reporting or other personal consumer reports

These are not my accounts and should not be on my credit report. I needed these to be remove right away. 

XXXXXXXX XXXX  XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which 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 Resolution 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

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 XXXX, XXXX # XXXX, XXXX XXXXXXXX, XXXX # XXXX, XXXX, XXXX # XXXX, XXXX XXXX, XXXX # XXXX, XXXX XXXXXXXX # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of they are violating the Fair Credit Reporting Act. Please delete late payment or remove XXXX XXXX XXXX  card account ending in XXXX from my credit report. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission. According to 15 USC 1681 I have the right to privacy. According to USC 15 USC 1681s-2 A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. I can go on and on, the credit bureaus have no respect for the laws and this is unfair. Someone needs to hold them accountable for this. The company sent me a letter stating the issue has been resolved when it has not been resolved. XXXX XXXX credit card is still reporting a late payment from XX/XX/year>. Please remove this late payment as this information is incorrect.
Product: Debt collection

I am XXXX, a XXXX ( XXXX ) XXXX XXXX. In the past few years, I  have suffered numerous XXXX XXXX XXXX. 
I always had excellent credit, but reached a point of being overwhelmed. I had such a hard time coping that I was prescribed XXXX XXXX and still had a hard time facing it. By mid-XX/XX/XXXX, I decided to pull myself out of the hole. 
So, on XX/XX/2017, I contacted my longtime bank, Fifth Third, to advise that I was working with a XXXX XXXX XXXX at a XXXX XXXX XXXX and intended to resolve my credit card debt with them. I asked for The current balance. 
The rep demanded {$110.00} or said it would be " written off as bad debt tomorrow. '' When I said I did n't have that amount today, but might tomorrow, he repeated the info. So I said " you ca n't get blood out of a turnip '' and he said - AND I WROTE IT DOWN immediately " we can squeeze the rock as hard as we can. '' This is a DISGRACE.I He then tried to get me to agree to a settlement, when I had already explained I had a XXXX. 
Of all my creditors, the one who treated me with threats was my own bank? 
Fifth Third -- awful!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX PNC Bank reported me XXXX late on a XXXX note when I was XXXX paid ahead and note pd in full in XXXX yrs causing my XXXX XXXX to drop XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report due to identity theft stemming from a data breach. As a victim of this unfortunate situation, I have been going back and forth with XXXX and Equifax for the last 4 months and I need help correcting the errors promptly, as required by federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ), Sections 611 and 605B, the credit bureaus are obligated to investigate disputed information and to delete or correct any inaccuracies within 30 days. Additionally, as outlined in Section 605B, I have the right to request that fraudulent accounts resulting from identity theft be blocked from their credit report. I had 5 account opened between XXXX and would like this issues resolved IMMEDIATELY, it is ruining me and my children 's lives long enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agency-Equifax has increased credit card balance for XXXX? Balance was previously reported correctly by credit card company as {$400.00}. New balance has been updated to {$850.00} which is completely incorrect? Credit card has not been used since last 2 statements. Issue with credit card limit increase from {$3000.00} to XXXX has been corrected.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove the unauthorized inquiries from my credit report, as they were not initiated or approved by me and are causing me significant distress. It is unjust for me to bear responsibility for these accounts, and I implore you to promptly address this issue.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which is within Toyotas 15-day grace period. The payment was not late and should not have been reported as 30 days overdue. 
Clerical error by XXXX XXXX XXXX XXXX : My payment was processed on time, but due to a clerical error by XXXX XXXX XXXX XXXX, it was incorrectly reported as late. This error has caused inaccurate reporting across all three credit bureaus. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time, well within the allowed grace period. This clearly demonstrates that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Several attempts were made by me to request Validation of debt on XXXX accounts reported by Portfolio Recovery Associates. I have not denied debt rather requested Validation or removal from Credit Reporting Agencies. After two written requests, the most recent one XXXX/XXXX/2016, they have completely ignored me and not responded at all. I find this in violation of the requirements of this agency and may others. They have not sent me a notice of right to dispute, nor have they sent me documentation to validate the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 168i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of account below : Account name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have received a debit card from Capital One which I did not request on XX/XX/2022. I called the number provided on the card ( XXXX ) and told them I have not asked for one. They said they will close the account but they refused to give me any confirmation number or even the name of the agent I talked to. They refused to give me a copy of the application on my behalf.
Product: Credit reporting

This should settle the issue anout the sole credit card on my credit report, by Equifax. Notice the key words " up to XXXX years '' : " XXXX XXXX XXXX You are here : Finance Blog Home XXXX Credit XXXX FAQ : How Long Does Information Stay on My Credit Report? 
Stay financially savvy with the Equifax Advisor. 
Sign up for our FREE Monthly Email Newsletter FAQ : How Long Does Information Stay on My Credit Report? 
Written by XXXX XXXX on XXXX XXXX, XXXX in Credit | XXXX comments Credit report informationHow long does information stay on my credit report? 
By XXXX XXXX In our regular surveys of consumers who come to the Equifax website and who call our call centers, this is by far the most asked question. 
It 's understandable, given how credit is so important to someone 's personal finances. Mostly, consumers who ask this question are concerned about how negative information like bankruptcies, judgments, and late payments affects their credit history and score. 
Luckily, there are set time frames for how long negative information remains on a credit report. In general, negative information more than seven years old from the date of last activity ( ten years for bankruptcies ) must be removed from your file. 
When it comes to a credit history and score, consumers often mistakenly believe that any negative information in their credit report comes from the credit reporting agency. 
In fact, all information, both positive and negative, is reported to the XXXX nationwide credit reporting agencies by lenders who have granted you credit, is included in public record information, or is reported by collection agencies. Credit reporting agencies compile this information and lists it in your credit report. 
Here 's a rundown of how long certain types of credit information will remain on your credit history : Credit Accounts Accounts paid as agreed generally remain on your credit file for up to ten years from the date of last activity ( DLA ) .... '' So this is simple. In XX/XX/XXXX, there is zero reason for any reporting on the XXXX XXXX XXXX account that was never owned by that bank at any time ; was closed XXXX XXXX by me and closed by me ; had no activity since ; had no payments or balance since the ten-year benchmark. This is fraud and wrong and should never been put onto my credit report. After investigation and reinvestigation the date itself - XX/XX/XXXX - obviously not to be reported whatsoever. There is no purpose for it. Moreover, if there was any " activity '' XXXX XXXX XXXX told me they did not furnish it. Someone else did? Who? When? What? How?