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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with [ XXXX  XXXX XXXX ] Dear Sir/Madam, I am writing to formally complain about a serious issue concerning the reinvestigation process on my credit report, as required by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my account with [ XXXX  XXXX XXXX ] despite my efforts to correct this inaccurate information. 

I recently disputed the presence of a late payment on my [ XXXX  XXXX XXXX ] account, which has negatively impacted my credit history. Under the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was required to conduct a reinvestigation to ensure that any inaccuracies were promptly corrected. 

However, despite this legal obligation, the credit bureau has failed to properly reinvestigate and correct the erroneous information on my credit report. This negligence has harmed my XXXX XXXX and jeopardized my financial well-being. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and ensure that the credit bureau complies with the relevant regulations. I am seeking immediate action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXX XXXX ]. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance. 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit card or prepaid card

USAA DOES NOT CORRECT ACCOUNTING ERRORS. See attatched XX/XX/2019 STATEMENT showing NEW PURCHASES Summary Account Activity ** ERROR ( {$2.00}, XXXX ) AND SHOWING TOTAL TRANSACTIONS * ONLY ( {$2200.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM 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 Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 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 speak appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I was never late on my XXXX XXXX. Instead of increasing my credit limit in XXXX they opened an additional credit card. Thus why I have two account numbers from the same company XXXX and XXXX. I was NOT made aware of their error in XX/XX/year> until recently. I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the MAXIMUM POSSIBLE ACCURACY, according to XXXX XXXX Experian. I have never been late on payments for the account : XXXX XXXX XXXX. # XXXX. I demand these payments be updated to on time as they should be as I was NEVER Late. Update the account to Paid on time and never late. Or remove it from my consumer report. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. DELETE LATE PAYMENT.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 
Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. 
I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 
I understand the importance of accurate credit reporting, and I trust that your investigation will lead to a fair resolution. I appreciate your attention to this matter and request that you provide me with updates on the progress of the dispute.XXXX XXXX.
Product: Student loan

Short version is that I was approached by XXXX XXXX recruiters during my senior year of high school. They claimed very high rates of successful employment, as well as top-quality accredited education. 

Their advertising worked, and I decided to attend in XXXX, after graduating XXXX XXXX. 

I then took out over {$35000.00} in student loans with which I was to attend. 

At the end of my XXXX year, I realized it was all wrong. Most of my classmates who graduated could not find work in their major. What work they could find was horribly underpaid. 

Realizing I had been misled, I left. 

Now, 15 years later, the schools are closed and the US Govt. has ruled that the XXXX XXXX need to pay back all their federally backed loans, returning over XXXX XXXX XXXX  to previous borrowers. 

My federal loans were a small part of my overall debt. 

The Private loans are a vastly larger amount, currently the balance sits at over {$14000.00}. 

I have always paid to the best of my ability, and have been in good standing for YEARS. 

I have paid tens of thousands of dollars to these people even after being misled and tricked into doing so, despite gaining NOTHING of value from attending that school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have resolved this issue with XXXX XXXX and XXXX, I have submitted evidence to Experian they refusing to remove from my account.
Product: Credit reporting or other personal consumer reports

Equifax is not complying by reporting related credit accounts onto my consumer report. This is causing me harm and denial for credit which is my right granted to me. 

I have contacted several of my creditors who state that they are actively reporting my accounts correctly that I should contact Equifax. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my Drivers License and SS card showing my name is XXXX XXXX with last 4 digits and the Bankruptcy filed in XX/XX/2017 is not my Bankruptcy. I had submitted previously my identity theft report along with police report. Please delete the XX/XX/2017 Bankruptcy appear on my credit report. As you can see the names do not match and SS number is XXXX. 

I'm also disputing XXXX XXXX Bank According to the report, your showing my credit limit is {$500.00} and not the {$2000.00} that the credit limit is. I have attached a copy of my recent Credit Card statement that shows my proof.. 

I've tried to submit documents via Experian.com/XXXX but it is unsuccessful.
Product: Credit card

I was trying to dispute {$100.00} out of this following transaction - XXXX  XXXXXXXX {$320.00} Amount Merchant NameXXXX XXXXXXXX DateXXXX XXXX XXXX  I called best Egg at customer service to dispute it, it's a nightmare to dispute a transaction, for for my future XXXX  or any of the big transactions I will stop using best Egg credit card. 

I wanted to dispute this transaction because it was a nightmare living at this XXXX  and there were lots of amenities which were missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending countless letters appealing to Experian to verify the disputed account and remove it if unable to prove that the account is mine. I have been a victim of Identity Theft and the account I am disputing does not relate to any transaction that I have made or authorized. Neither did I receive any possession of goods, money, services, nor benefits from the Theft of my Identity. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need the account removed now! 

XXXX XXXX XXXXXXXX
Product: Debt collection

I had a collections account show up on my credit profile from a company, XXXX XXXX XXXX for the amount of {$XXXX}. I have no knowledge of this account and chose to file a dispute through XXXX. I also called the number associated with the fraudulent collections account. 
XXXX provided a report stating the account was opened on XX/XX/XXXX and and the first delinquency was on XX/XX/XXXX. When I called XXXX XXXX XXXX, they could not provide any information regarding the supposed account. Instead they stated I could pay to have perform a soft pull on my credit. The conversation was one sided and I could not receive any information to verify this collection was legitimate. 
I have received harassing phone calls from this company asking for money but nobody is willing to provide any documentation of proof of ownership. 
Any research on this companys background pulls similar experiences of people being harassed and their credit affected by this company. Like others, I refuse to pay money for something that does not belong to me. I would like this account looked into and held responsible for falsifying accounts for their ill-gotten gains. 
Thank you for taking time to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion will not allow me to get a credit report online or dispute. When mailing, they won't respond. They are continuing to report inaccurate information. Every time I call to speak with a representative im on hold for extended periods of time.
Product: Debt collection

I already paid this debt but still hurting my credit score please help me PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX, VA XXXX PHONE XXXX | www.portfoliorecovery.com XX/XX/2022 Re : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account Number : XXXX Original Account Number : XXXX Seller : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Current Creditor : Portfolio Recovery Associates , LLC Dear XXXX XXXX XXXX XXXX Thank you for your assistance in resolving this account. Your current balance on this account is $ 0.00*. Please retain this letter as proof your account has been settled. 
Your account will be considered paid-in-full for less than the full balance after the final payment is successfully posted. If our company is reporting this account to the credit reporting agencies, within approximately 30 days of the final payment successfully posting, our company will request the credit reporting agencies delete our company 's tradeline related to your account from your credit bureau report. Portfolio Recovery Associates , LLC can not control how fast the credit reporting agencies process requests. 
*Balance and/or payment information assumes that your payment is not reversed as a result of having any checks returned to us or as a result of you having directed us to apply payment to another account. 
If you have any questions, or need any further information, please call us at XXXX. Our hours of operation are XXXX. to XXXX XXXX - XXXX, XXXX. XXXX - XXXX, XXXX. XXXX - XXXX ( ET ). 
Thank you for resolving this account. 
Sincerely, XXXX XXXX XXXX Portfolio Recovery Associates , LLC Representative
Product: Checking or savings account

I opened an investment with Ally banks with a regular monthly deposit into the account. However, after a few months, Ally bank website ( they do not have a physical branch ) does not give me access to my statements or bank information to the account. 

I have provided a picture of the account not shown below. Note that regardless of the time of the day, this is a permanent message on my account. It has been like this for months. 

I have called the team and they asked me to verify the account. I have answered their automated questions but they said they can't verify it still. So they asked that I send in my social security and driver license, which I did, and they have not done anything. 

Currently, Ally bank continue to withdraw from my checking account and does not offer me options to get my money back or stop the withdraw.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : Bankruptcy. XXXX XXXX Bankruptcy XXXX Account name : XXXX XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

Round Point Mortgage Administration and Law Firm has already sold the house to XXXX XXXX a relative or wife of XXXX, Texas XXXX XXXX to rapidly cover the Corruptions, Fraud, Scandal and Inflanted Value Appraisal of XXXX. 

A neighbor has sent me of evidence of XXXX County Judge ordering me to vacate me out of the house while I am nursing a XXXX XXXX and throwing me on the street. 
It appears that XXXX County Judge doesn't have no feeling or Care for our Military Veterans. 
Texas Laws is in favorite of all major billionaires financial Institutions and the special interest. 
On XXXXXX/XX/XXXX at XXXX Military Hours, the Sheriff and Crew will tear down the doors to enter the home.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. ALL 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 States : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 ) States : 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: Mortgage

Applied for remodified loan, payments were being made timely and they took my house with significant amount of equity ( XXXX ).
Product: Debt collection

Central Portfolio Control Inc. texted both my ex-wife 's sister, and my ex-wife about my debt. Both got the same text which reads as follows : Hi ( My full name ), this is Central Portfolio Control Inc . Please contact our office at XXXX or online at www.paycpc.com using your Agency ID : ( XXXX XXXX ). This communication is from a licensed Bill Collector. Thank you. Text STOP to unsubscribe. 

It is absolutely ridiculous that they would involve my ex- wife and her sister in my medical bill debt, using my full name and apparently agency id!
Product: Credit card or prepaid card

XX/XX/2023 I received a card annd account number was opened in my name, and a debit card was sent to me that I did not apply for or authorize in my name.
Product: Credit reporting or other personal consumer reports

I see on my credit report an unauthorized inquiry with Bank of America from XX/XX/year>. This inquiry was not initiated by myself and I would like it to be removed immediately.