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

I have contacted the following companies numerous times Equifax, XXXX, and XXXX regarding the wrongful posting of inaccurate personal information. Both have inaccurate home addresses and phone numbers where people have fraudulently used my name and associated my name with addresses and numbers that are not mine. I have requested proof neither company sent any proof though just stated it has been confirmed the fraudulent address are mine even though I filed identity theft and this is noted on my credit reports though the companies refuse to remove the inaccurate addresses and phone numbers.
Product: Checking or savings account

On XX/XX/year> at XXXX XXXX, I ( XXXX XXXX ) received a Wells Fargo text message on my cell phone # XXXX if I recognized a transaction from XXXX XXXX XXXX for {$2900.00} from card ending XXXX ( XXXX XXXX debt card ) and I immediately responded ( NO ). I then opened my bank account and noticed 4 transactions from XXXX XXXX XXXX XXXX PA. I called my husband and he stated he did not use his debt card for any purchases for this company. We were both in CT and did not travel to this location. I immediately called the fraud line at Wells Fargo to report the fraud use on our account. The fraudulent charges by XXXX XXXX XXXX XXXX XXXX were for {$2900.00} and {$1100.00} both transactions occurring right after each other. Wells Fargo immediately discontinued the card ending XXXX and said would replace the card. I was told it would take 10 days to resolve the issue. I called the bank for an update, the last representative said I would be getting a credit for {$4000.00}. I called Wells Fargo back because I did not see my credit back in my account by 2 days as promised, I was told by the representative that XXXX did an investigation and stated we authorized the charges and there was no error. This statement is false and impossible because we were not in XXXX nor does the company exist, according to an on-line search. There is no business called XXXX XXXX XXXX XXXX. We became victims of hacking, fraud, or inside banking fraud on our account. We want full credit of the stolen amount of {$4000.00}. 

A report was filed with the XXXX Police department
Product: Student loan

My name is XXXX XXXX XXXX.As of XX/XX/XXXX, i hired Arete Financial to assist me in the student loan forgiveness program. I was lead to believe that this company would assist me in making the right financial decisions regarding my XXXX Student loan, which was not in default. I made immediate payments to Arete for $ XXXX/biweekly for 3 months, with continued payments of $ XXXX/monthly direct withdrawal from my banking institution. Arete sent an email stating i was approved for IBR at $ XXXX/monthly. Arete then filed for a forbearance in XXXX of XXXX and again in XXXX while payments was deducted for them at XXXX/monthly. I never authorized the XXXX forbearance, and it was completely not necessary. That forbearance put me in this position with XXXX which is showing on my credit 107 days late. This decreased my score by XXXX points.I asked Arete what was i paying them for? XXXX informed me that no payment was originally due to them XX/XX/XXXX. By Arete not making the right professional decisions, this has left me in default and kept me from closing on my home XX/XX/XXXX. The credit report was updated XX/XX/XXXX. Arete also intercepted any communication from my orginal creditor by giving them a bogus email address I am very upset as a single parent. I feel like i been taking advantage of.
Product: Credit card

Lowes Home Improvement provided a contractor to install siding, gutters and replace a door on my home. The contractor provided inferior work and damaged existing structures. One part of the project was attempted two remaining parts have not been attempted and I will not allow the contractor to enter my property again. The initial payment was provided through Lowes Synchrony Bank on XX/XX/year>. XXXX XXXX XXXX the only provider available through Lowe 's did not attempt to start the project until XX/XX/year> and attempted to repair their damage on XX/XX/year> I have requested a full and immediate refund for this inferior and inadequate work in the amount of {$14.00}, XXXX
Product: Credit card

HI I HAD EMAILED AND MAILED ALL THE PROOF, BUT AS OF XX/XX/XXXX, YOU ARE STILL ASKING FOR THE SAME PROOF I GAVE YOU 3 TIMES XXXX ARE YOU DISCRIMINATING AGAINST ME??? 
WHY DO I HAVE TO PROVIDE THE SAME PROOF OVER AND OVER??? 
I SPENT OVER XXXX A MONTH ON THAT CARD AND RARELY DISPUTED ANYTHING XXXX 
I'M SAD AND DISAPPOINTEDXXXX I PREPAID MY XXXX XXXX  USING POINTS AND CREDIT CARD XXXX  AT THE COUNTER, THEY REQUESTED A CREDIT CARD FOR INCIDENTALS WHICH I GAVE THEM MY CITI CARD XXXX  I WAS CHARGED AGAIN XXXX  I DISPUTED THE {$1700.00} CHARGE, BUT IN LESS THAN 24 HOURS, citi DENIED MY DISPUTE.XXXX .IT 'S NOT FAIR. I'M A GREAT CLIENT!! 
SEE ATTACHED PROOF of paid bill, duplicate charge THANK YOU
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing 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 accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On Monday, XXXX XXXX, 2015, My next door neighbor received a voicemail message from a XXXX XXXX, Sallie Mae Student Loans, who left a phone number XXXX, ext. XXXX, asking my neighbor to contact me about someone I am related to, regarding time sensitive information she had for him. 
This is very disturbing and a clear violation of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is showing on my 3 credit report when it should not be on my report because i never followed through with the bankruptcy. 

There is also on collection showing on my XXXX report of {$98.00} that should not be on my report because it was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response from TransUnion to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my TransUnion credit report. I was saddened to learn that TransUnion somehow verified the disputed items, electing to leave them on my report. I am certain that the items I disputed are incorrect and should be removed. Here is a list of the items I have disputed with TransUnion. 

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

I have submitted my first round of dispute letters on XX/XX/2023 and I have not received any formal response from from any of the XXXX bureaus. When I pulled up my recent credit report, the items disputed were still there. My personal information is incorrect, and accounts on my credit report are still showing inacurate reporting. Please help me get these accounts deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payday loan and multiple attempts to cease monthly increase in payments after account has been closed and charged off. XXXX continues to report account and charge additional fees. All three credit bureaus made aware of this. I also called XXXX requesting my tax form for irs. Never emailed as stated by bank rep.incorrect payoff of loan documented not to mention the loan now engulfed to over XXXX with monthly charges since charge off which they have gotten a tax break for? 
Not to mention letters sent to all bureaus for removal due to inaccuracies due to additional monthly fees. All documents are available to show outstanding increases after charge off. 
Due to the false and fraudulent information XXXX continues to report I would like this account removed swiftly from all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not provided me with any written documentation required under Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) 9A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Unverified accounts : XXXX XXXX  XXXX ( {$660.00} ) # XXXX, ( {$73.00} ) # XXXX, ( {$290.00} ) # XXXX, AND ( {$440.00} ) XXXX, XXXX XXXX XXXX ( {$5700.00} ) # XXXX, XXXX XXXX XXXX ( {$1300.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$190.00} ) # XXXX, XXXX XXXX XXXX  XXXX ( {$0.00} ) # XXXX, XXXX XXXX ( {$3000.00} ) # XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX tried to collect the wrong amount over and above ( XXXX ) what they have been trying to collect ( {$23000.00} ) unlawfully and had their lawyer send me a letter that was unlawful. 

This is illegal and they have violated my rights! 

It is clear that they have been reporting one amount to the credit bureaus, and another amount they had their lawyer send me a debt letter demanding money that is over XXXX more than what they originally have been posting! 

XXXX is out of control please help! 

This is unlawful and I demand that they provide an answer to this immediately where they have lied and tried to tag the disputes as duplicates to others. 

Fair Debt Collection Practices Act Fair Debt Collection Practices Act As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) 1692-1692p.

1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Debt collection

wrong balance reported/ started payment plan for XXXX bill and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX credit card that was paid in full prior to me filing chapter XXXX bankruptcy-XXXX balance. Since I had to file bankruptcy, this particular card was included in my bankruptcy petition with XXXX owing. However, the information that had already been reported was re-reported to Transunion and XXXX by this creditor in error. This information that was re-reported caused my credit score to take a huge dip of XXXX points! 
I contacted the creditor and they advised me that they reported a XXXX  balance account on XX/XX/XXXX and had no language that should have caused a dip in score. The credit bureaus advised that this is how it was reported, so I 'm at a loss! 
Also, the address on my credit reports isnt correct. My address is showing as:XXXX XXXX XXXX XXXX XXXX , MO XXXX on Transunion and showing as:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX on XXXX-I have submitted documentation proving my address/idenity/etc, and to no avail, they wont update it! I was advised by XXXX to resend the info that I 've mailed and faxed previously.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX XXXX XXXX XXXX Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account should reflect a record of timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages. 
Discrepancies in Payment History The discrepancies in reporting by each bureau are as follows : TransUnion : Incorrectly reports 30-day, 60-day, and 90-day late payments in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these entries are incorrect, as I have paid on time. 
These entries have unjustly affected my creditworthiness by misrepresenting my payment history. 
Requested Resolution I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX shows on my most recent credit report that the oldest date of delinquency is XXXX, which affects my rights as a consumer to have 7 year old debts deleted from my credit report/not reporting. There is still incorrect data being reported on my credit report that is especially hurtful while I am in the process of moving and my credit report is being checked. I know that the date of first delinquency was in XXXX not XXXX as well as it states in the credit report screenshots. XXXX and the credit bureaus keep trying to push the date of first delinquency. For example, the date shown on Experian for earliest delinquency is in XXXX, a time where the card was already charged off since XXXX. This does not add up.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$830.00} Chargeoff XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$1100.00} Chargeoff XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report. I received a response stating that the accounts were verified. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. It is obvious that EXPERIAN has violated my consumer rights and not followed METRO 2 compliance and in violation of 15 USC 1681e ( b ).

I am requesting you provide ME ALL
information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per FCRA you are required to provide this information within 15 days or DELETE AND BLOCK the negative items above from my credit report. Also, a copy of this letter has been sent to the CFPB as well.
Product: Payday loan, title loan, or personal loan

I sent an letter on XX/XX/2018 advising that I was revoking authorization to debit my account. I sent the letter certified mail tracking number XXXX. I also placed a stop payment on my account to my account from being debited however, they debited my account anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX  XXXX. Please correct and update ASAP.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and notice some hard inquiries that I don't recognize XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX are reporting inaccurate information.
Product: Debt collection

If you have a good reason to believe I am responsible for this debt, mail me the documents that make you believe that. Stop all communication with me at this address, and record that I dispute having any obligation for this debt or forward or return it to another company, please indicate to them that this has been disputed. If you report it to a bureau ( or have ) already done so, also report that the debt is disputed. 

I am writing to formally dispute an unauthorized inquiry on my credit report. I reviewed my credit report and noticed an inquiry that I did not authorize. Below are the details of the inquiry I am disputing : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or unauthorized information on my credit report, and I request that you investigate this matter. 

I kindly ask that you remove this inquiry from my credit report as soon as possible. Please notify me of the outcome of your investigation.
Product: Money transfer, virtual currency, or money service

Formal Complaint Regarding Service Issues and Request for Payment Resolution Dear Cash App Support Team, I hope this message finds you well. I am writing to formally lodge a complaint regarding my recent experiences with Cash App services, which have caused significant frustration and financial inconvenience.

As a user of Cash App, I have encountered several issues that have not been resolved despite multiple attempts to address them through your customer support channels. Despite your platforms assurances of security and customer satisfaction, I have not received the necessary support or solutions to resolve these concerns.

Moreover, I am aware that Cash App is currently involved in multiple lawsuits, including actions taken by the Consumer Financial Protection Bureau ( CFPB ) regarding various regulatory and consumer protection violations. These developments raise serious concerns about the level of care and compliance Cash App is providing to its customers, including myself.

In light of these issues and your ongoing legal challenges, I am formally requesting a resolution in the form of a payment or compensation for the inconvenience and financial losses I have experienced. I believe this is a reasonable request given the ongoing challenges users, like myself, are facing with your platform.

If this matter is not addressed satisfactorily, I will be compelled to escalate this issue with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Please respond to this complaint within [ reasonable time frame, e.g., 710 days ] with a proposed resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX