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

I am writing to formally dispute the inaccurate reporting on my credit report by XXXX, XXXX, and Equifax concerning an account with XXXX XXXX XXXX. I have noticed that all three credit bureaus have reported that my debt with XXXX has been charged off due to negligence ; however, this information is incorrect. 

In XXXX of 2021, my vehicle, along with my credit cards, was stolen. Since then, I have been actively negotiating with both XXXX XXXX and my insurance company to resolve the outstanding issues related to the stolen credit card. Despite providing evidence of the theft and ongoing negotiations, XXXX XXXX XXXX has failed to correct the erroneous charge-off report. This has resulted in significant damage to my credit score and has created unnecessary obstacles for me during this challenging time.

The inaccurate reporting by the credit bureaus has further complicated my situation and caused undue financial stress. It is clear that the charge-off should not have been reported as the matter is still in dispute, and I am actively working with the involved parties to resolve it. Furthermore, this issue is directly related to the theft of my vehicle and credit cards, which should be taken into account when assessing the validity of the reported debt.

I am requesting that the Consumer Financial Protection Bureau assist in ensuring that XXXX, XXXX, and Equifax correct this misinformation on my credit report. Additionally, I ask that XXXX XXXX XXXX update their reporting to reflect the true status of the account, as it is currently under dispute due to the theft and ongoing negotiations.

Please advise on how I can further support this dispute and provide any additional documentation if necessary. I look forward to your assistance in resolving this matter and ensuring the accuracy of my credit reports.

Thank you for your attention to this urgent issue.

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

I submitted the documentation to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.
Product: Payday loan, title loan, or personal loan

XXXX and XXXX claim to be have the the loan and i asked for a payment arrangement and they said they couldn't do this and that they would have to take me to court?
Product: Money transfers

i bought a XXXX on XXXX i wired XXXX to XXXX XXXX IN XXXX I TOLD HIM I WOULD PAY THE OTHER XXXX IN PERSON I WIRED THE MONEY THAT AFTERNOON AND LEFT TO XXXX AT XXXX THAT MORNING. XXXX CALL ME AT XXXX WHEN I WAS ALMOST THERE TO THE ADDRESS WITH THE TRUCK DRIVER AND SAID HE HAD TO GO TO XXXX ON ANOTHER MATTER SO XXXX COULDNT BE THERE SO I CALL MY BANK TO STOP TRANSFER UNDER A FRAUD AND CALLED THE XXXX STATE POLICE TO HOLD ACCOUNT MAX FROM THE XXXX STATE POLICE SEIZED THE TRANSACTION AND XXXX SAID THEY NEVER GOT TO YOUR MONEY AT BANK OF AMERICA AND THAT THE MONEY WENT TO XXXX BANK OF AMERICA SO THROUGH ALL THE FORMS XXXX XXXX XXXX XXXX FILED WITH BANK OF AMERICA IN HOLD HARMLESS I WAS TOLD I WOULD HAVE MY MONEY XX/XX/2016 AS OF NOW STILL NO MONEY AND THERE STILL NOT DONE.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic I fell on hard times and lost my job and second source of income. The CARES Act was passed, so i just recently seen my credit report and seen UNLAWFUL reports of lates to my report!! 

So after careful review of the CARES Act i sent the Bureaus letters on XX/XX/XXXX and still OVER XXXX later Still NO REPONSE! The FCRA states that disputes must be resolved within XXXX  days, I feel takin advantage of as a consumer violated in my rights! 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, passed by XXXX and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA , as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ). 
Now, as furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue to be reporting it as current. These new reporting requirements are retroactive to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am submitting this as XXXX XXXX XXXX, this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my Fico has me at a credit score over 719. TransUnion has me at a score around XXXX. That is a huge difference. TransUnion 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. I made this clear for 60 days straight with TransUnion I spoke to a representative agent by the names of XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department. I prefer to speak to a US Representative but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt collection now that is not mines. I have modest but ok income. Social Security. Something is wrong with TransUnion. I do not understand why they are abusing consumers .This was a first step towards attempting resolution. They kept lying telling me they disputed and its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify.That was after attempting to contact TransUnion more than 21 times. TransUnion 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 and now I'm homeless and l can't provide for my XXXX XXXX XXXX  old daughter PLEASE HELP ME PLEASE I'm XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and they will not reinvestigate this account. The following negative account on my TransUnion consumer report is listed : -XXXX XXXX XXXX XXXX XXXX THIS IS DEFAMATION OF CHARACTER.
Product: Credit card or prepaid card

Hello, I have a XXXX XXXX XXXX that was acquired by Barclay US. My experience has been a nightmare and the company has refused to resolve my issue for over a XXXX 

I've contacted Barclay XXXX XXXX department on the following dates and times ( Eastern Standard ) Phone # 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 My account was transferred from XXXX XXXX to Barclay US and they have refused to grant me access to my online account and I have not received a statement. I attempted to log into the Barclay account using my information from my Gap account that did not work. I attempted to create a profile as I was told the profiles did not sync to the new company. When I try to create a profile I receive an error message that I already have a profile. Then I selected the option to retrieve my username and when I've used my phone number or email address - nothing is sent. I have tried countless times to call and resolve the issue with not being able to access my account online and no one has escalated or taken ownership to resolve my issue. How can I be liable for a bill that I have never seen? 

The representatives have been rude and I have spent countless hours trying to call and resolve the issue with zero support from Barclay. Today XXXX, I called and spoke to XXXX  # XXXX, who then transferred me to a Customer Care Rep name XXXX, who then transferred me to someone from the Securities team name XXXX who became XXXX XXXX XXXX  on the phone and hung up on me. According to the recordings, all calls are monitored - if they allow their representatives to speak and treat customers in this manner they should not be allowed to be in business. These practices are predatory and deceitful and intended negatively impact customers. The amount of XXXX XXXX XXXX I've had to endure this past XXXX is unjust!
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 Funds 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 or other personal consumer reports

Removal of Incorrect Items from Credit Report ( More than 30 days have passed ) On XX/XX/24, I sent you a request to reinvestigate incorrect items which were listed in my credit history report. 

XXXXPlease investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately Please investigate and delete from my credit report. 
Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I've been trying to find information on Experian 's website where I could freeze and unfreeze my credit report. They make it impossible to find this information. And they don't have any kind of customer service - only an automated unhelpful call-tree system that doesn't provide this info. And they keep trying to sell you their XXXX XXXX XXXX- which of course costs money. XXXX Experian is hiding information to the free credit report freeze/unfreeze service ( which they are obligated to provide )- and trying to sell their paid services to unsuspecting consumers - as if that's the only way they can freeze their credit file. The other 2 credit bureaus, XXXX and XXXX make it simple and easy to find this info as soon as you login. I hope CFPB will look into this matter and hold Experian accountable for the damage they've already done to untold number of consumers.
Product: Debt collection

I am disputing a collection account that appears to be the result of fraud and identity theft. This account was reported directly to my credit bureaus reports without my consent violating my rights under 15 USC 6802 of the GLBA, which requires that I receive full disclosure before any transfer or sharing of my private information. CFPB actually sued the original creditor-Tempoe and I receive a one settlement for one account held by them. The original creditor failed to provide this disclosure, and I did not authorize this debt or the collection agency 's handling of my information. I have filed an Identity Theft Report with the FTC revoked any consent to possess, use or share my private information, and requested immediate deletion of this fraudulent account from my credit files. Furthermore, I am requesting that this account be removed within 4 business days under 15 USC 1681s-2 ( 6XB ), as it continued reporting suggests an attempt to extort payment for a debt that I do not owe, violating the FDCPA. The collection agency has failed to provide verification that they are legally authorized to collect this alleged debt.
Product: Vehicle loan or lease

In XXXX of 2018, I was late on a payment, which I did not know about, and it put me over the 30 day threshold for late payments. Chase Auto then decided to repossess the car without sending me a letter and verifying that I knew that they were going to repossess the car. They proceeded to repossess the car, the day after XXXX, and I did not even know it was more than a month behind. I called Chase and they said they could do this after 30 days of being late. I paid the late payments and received the car back. They refuse to take the Repossess and late payment off when it was a clear mis understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a XXXX credit line to purchase a refrigerator and stove. ( about {$1700.00} ) I was denied and told I would get a letter stating why. 

My letter came XX/XX/XXXX and I was appalled. And, based on this letter, I feel I am being discriminated against because of age, gender, and/or race. 
The letter was from XXXX XXXX. They stated my credit report showed the following : ( credit score XXXX ) 1 ) No open revolving accounts in my credit file ; This is a blatant LIE. I have had a XXXX Credit Card since XXXX ( in good standing ) 2 ) Delinquent or derogatory status on accounts too recent. Really! If so why doesnt XXXX and XXXX show this?. Only TRANSUNION has this information. 

3 ) Unpaid Collections Again, why doesnt XXXX and XXXX show this?

4 ) Lack of auto account information : Since when do you have to have auto information. My auto is paid off. This is one reason I feel Im being discriminated against. The age when women didnt drive is over!

I took this long to write because it has taken me this long to calm down. When you are not truthful with people, and insult their intelligence, dont be surprised how they react. I want this issue investigated immediately. 

In MY opinion, XXXX XXXX and Transunion drink from the same cup!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a complete stressful nightmare dealing with Equifax for the last several months concerning my credit report. Recently I disputed some inaccurate information on XX/XX/XXXX and I received the completion results were the items had been deleted/unverifiable. The items in question were XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( this item was showing reaged which is a clear violation of the law ) and XXXX XXXX XXXX XXXX ( every XXXX XXXX entry reporting on my credit report ). As you will see on the uploaded supporting documentation, Equifax sent these results out XX/XX/XXXX and XX/XX/XXXX. Today XX/XX/XXXX I was checking my Equifax credit report on Equifax.com and these items are currently being reported which is not reflecting my true credit report. In light of Equifax hacks I have been trying to closely monitor my report. They have also mixed my files as you will see by the supporting documentation I have uploaded as well. Equifax did not inform me via letter that these unverifiable inaccurate items were being inserted back into my credit file. This is a direct violation of the law as well. I have previously submitted a complaint with the CPFB concerning these issues ( the complaint is also uploaded as supporting documentation ). Equifax is also reporting XXXX XXXX XXXX and this item was unverifiable, inaccurate and was deleted from my credit report and currently reinserted with no letter sent to me by Equifax. I have uploaded all my supporting documentation concerning these items. Equifax is breaking the law by continuing to report these inaccurate items on my credit file. These items need to be deleted immediately because they do not belong on my credit file and Equifax is not reporting my true credit file. Equifax has mixed my file on four separate occasions this year XX/XX/XXXX where I have had to call in to complain and send in identifiable information to them so they can try and fix my file. Clearly Equifax has not straightened my file out. The items that should not be reporting are : 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 Again Equifax has been making a complete mess of my credit file which is causing me emotional stress. These violations of the FCRA are negligent and willful on the part of Equifax in which I can sue and get damages. Equifax has violated my rights by continuing to report these inaccurate items. Clearly Equifax is not for consumer rights. 
I WILL NOT ACCEPT ANY OTHER REPSONSE OTHER THAN A DELETION OF THE UNVERIFIED INACCURATE ACCOUNTS. I DEMAND THAT EQUIFAX NOT BE ALLOWED TO MOCK THE CFPB 'S AUTHORITY AND VICTIMIZE ME BY IGNORING MY RIGHTS
Product: Debt collection

The first page of lease agreement provided by IQ DATA INTERNATIONAL INC in XX/XX/2022 to my home in XX/XX/XXXX does not even contain my NAME or address ( Attached ). Additionally, the lease agreement contains no monetary amount. The documents sent to me does not validate this debt therefore This debt has not been validated and must be removed immediately. 
I have been disputing an unauthorized debt collection on my credit report from IQ DATA INTERNATIONAL , INC account # XXXX for the past two years. Despite my efforts to dispute the validity of the alleged debt IQ DATA INTERNATIONAL, INC has continued to pursue collection activities and has placed the collection on my credit report. 
I did not authorize the account and provided evidence supporting my claim. The evidence included documentation of identity theft, a police report and proof that the NAME and address listed on the lease agreement provided by IQ DATA INTERNATIONAL , INC does not correspond to me and my residence. Additionally, the first and last page of the lease agreement provided by IQ DATA INTERNATIONAL INC does not state or contain any monetary amount as part of the alleged agreement. Nor do the email addresses associated with the electronic signature on the lease agreement coincide with my address and has the name of persons unbeknownst to me. I believe that IQ DATA INTERNATIONAL , INC has violated my rights under the FDCPA and FCRA and has engaged in unfair and deceptive practices by continuing to pursue collection activities without providing adequate proof of the debt 's validity and authenticity. I seek the removal of the collection from my credit report and cessation of all collection activities and reporting related to the disputed debt.
Product: Money transfer, virtual currency, or money service

Im 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 Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss. I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

The two times I borrowed money from the institution XXXX XXXX XXXX, I happen to look at my credit report and its says on there that Ive been 30 days and 60 days late with XXXX XXXX XXXX when I havent been late even one time. 

Late 30 days on XX/XX/XXXX Late 30 days on XX/XX/XXXX Late 60 days on XX/XX/XXXX Late 30 days on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One / Neiman XXXX Open Date XX/XX/2014 Balance {$950.00} As a consumer, I have rights that are given to me to cover me through misinformation being cited on this credit report. At this stage, I need to make the last demand for assessment before I talk with my attorney for advice on how to deal with inaccurate and unverifiable items that are continuing to be affirmed as true. Please make sure to deliver me along with a copy with the agreement fixed or voice discussion where I granted billing me concerning this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX  OXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite y submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any 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, Equifax 's actions may also contravene the Consumer Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX