23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

On my credit report there is a closed account with huge amount of missed payments. AMERICAN EXPRESS Reported : XX/XX/2020. Its not mine account. This account belongs to my ex husband. I no longer share finances with him, I want to ask XXXX  to remove it from my credit report. I have supporting documents.
Product: Debt collection

LNVN Funding LLC Have requested debt validation, original agreement information or any proof of legitimacy from this open accounts from company after discovering them on my credit report as derogatory. No proof supplied.
Product: Credit reporting or other personal consumer reports

I noticed several discrepancies in the reporting of an account on my credit report across all three credit bureaus ( TransUnion, XXXX, and XXXX ). the details are inconsistent between the bureaus. Specifically : The last activity date is reported differently across the bureaus : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These dates should be consistent as they represent the last interaction with the account. 
The account closure descriptions vary : TransUnion : " Charged off as bad debt. Account closed due to transfer of balance. '' XXXX : " Account closed due to transfer. Amount balance reported as a loss by credit grantor. '' XXXX : " Charged off account. Account transferred or sold. '' These descriptions create confusion about the actual status of the account and whether it was transferred, sold, or resolved. 
The payment history for this account shows a " Charged Off '' status ( CO ) for multiple months, which I believe is inaccurate because the account was closed. If this account was resolved, this history unfairly reflects negatively on my credit report.

The reported balance owed is {$0.00} across all bureaus, but the status remains " Charged Off. '' If the account has been settled or resolved, this status should reflect " Paid '' or " Settled. '' The term length is reported as 31 months, but it is unclear if this reflects the original terms of the agreement or if there was a modification.

These inconsistencies are misleading, harmful to my credit score, and do not reflect the accurate status of the account.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ). They failed to conduct a reasonable re investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and also failing to adequately notify consumers of disputed outcomes. These failures to comply was not aligned with my experience. Where XXXX has neither corrected nor removed disputed items despite the evidence I have provided. This has caused ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates the federal law and my rights as a consumer.
Product: Debt collection

Ive been paying XXXX twice a month for the past year. The company XXXX XXXX XXXX XXXX has been deducting this amount from my bank account for the past year and they said they wouldnt give me a refund
Product: Debt collection

The debt is from XXXX XXXX XXXX XX/XX/XXXX, it was originally turned over to XXXX XXXX. I asked for a total and final amount for the services rendered by XXXX XXXX so I could negotiate a settlement with XXXX. XXXX kept sending bills that no one, including an attorney I hired, could make sense of their accounting. I wanted this settled so I asked for XXXX to receive the total settlement amount from XXXX, which I then paid in full on XX/XX/XXXX. I have a letter dated XX/XX/XXXX, from XXXX XXXX which I will attach stating, " This letter will serve as confirmation the XXXX will consider the attached referenced accounts as settled in full. '' My complaint is on XX/XX/XXXX I received in the mail another random bill stating I owed {$530.00} ( - ) Credited Amount of XXXX (? ) = Total amount owed {$250.00} (? ). This current debt was during the period of XX/XX/XXXX which is exactly the time frame of the settlement I paid in full with XXXX for a final settlement. XXXX XXXX was asked by XXXX to provide the total amount prior to me settling this debt, and I have no intention of paying any more on this matter which has been settled in full.
Product: Debt collection

I owe a loan 2 years ago in Tower Loan XXXX. Amounting more than XXXX , admit I have delinquent account to them in XX/XX/XXXX.I moved to XXXX from XXXX in XX/XX/XXXX. From there I never received any demand letter from XXXX XXXX XXXX, When I check my credit report in XX/XX/XXXX I saw the address tower Loan XXXX XXXX XXXX XXXX XXXX XXXX # XXXX .I contacted them to settle this account amounting XXXX $ but they said I do not have the account there I need to call XXXX Tower Loan I called and talk to the manager but said he needs to talk to their lawyer because he do not know how much I owe. They said They will call me back but since then they never called me back and I called the branch many times unfortunately they can not give me any amount I keep on calling on the branch XXXX but still do not have the amount for me to settle the loan amount.Until XX/XX/XXXX I despute the Tower Loan for collection because they can not give me information how can I settle this to the 3 credit bureaus Tower Loan verified that the item is correct so it will remain in my credit history because the company verify it correct as of XX/XX/XXXX. I called the address appeared in my credit report / history the same thing they told me I do not have an account in their office but it was reported in my credit history the address and the amount and when I called Tower Loan again in XXXX they can not provide the amount because they need to talk to their lawyer. I 've been calling them for almost a year to settle the collection appeared in my credit report but Tower Loan XXXX can not provide me the amount and the address appeared in my credit report where I owed a collection/ charge off of XXXX XXXX my account is not listed there and they said that they can not provide me information about my charge off / collection because I do not have account to them. They reported in the 3 credit bereau as of XX/XX/XXXX and verified it correct but when I called them the same thing they will say that I do not have an account from them. Since they can not provide me how much I owe and they are not helping me to settle this account in Tower Loan, I am filling complain against Tower Loan for giving wrong information about my account and the address appear to my credit report they do not have my information and data for the said loan. I even send an email through their website customer service and dispute it to them but no actions were made. I do hope you will help me to erase/delete the wrong information that they put in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$3200.00}, {$2000.00}, {$300.00}, {$8200.00}, {$1200.00}, {$2000.00}, {$1800.00}, {$1800.00}, {$4000.00}, {$4000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8200.00} -This is not my account. 

6. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

7. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

8. XXXX/XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$1800.00} -This is not my account. 

9. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

10. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

11. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 


-- AUTO ACCOUNT 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting

I tried to file a dispute with Equifax for an account that I paid off in full and would like to have it removed from my credit report. I have made the same report to the other XXXX credit bureaus to have the same account removed from my credit report and they have removed it with no problem. I tried to get a confirmation number to file a dispute but they they told they could n't give me one because there is nothing in the system. But I told them that is why I calling to file a dispute so I can get a number, and they also told me that the account I am trying to dispute will remain on my credit report for seven years despite that it is paid-off and closed. They did not even bother to do an investigation to see if my claims were true. I feel that this is one of the many reason why people can not rebuild their credit, these agencies need to be governed to make sure that people are being treated fairly.
Product: Checking or savings account

I tried to open two bank accounts with TD bank. The first account I opened was on XX/XX/XXXX but it was closed down XX/XX/XXXX not even a full 24hrs later. I was not able to make any deposits, withdrawals, or even use the debit card I had received in the mail. Which leads me to filing this complaint because if nothing fraudulent happened to this account ending in XXXX why would you put in in XXXX XXXX XXXX as if I did something fraudulent or broke a bank rule on this account. The other account Im disputing ends in XXXX and its the same thing and same result the only difference is I opened the account ending in XXXX on XX/XX/XXXX and it was closed down on XX/XX/XXXX. So this account wasnt even open open for 72 hours then closed down without any deposits or withdrawals being made at all. Im filing this complaint because these two accounts ending in XXXX and XXXX were unjustly put into XXXX XXXX XXXX and I need this unjust deed to be made right. Nothing happened with those accounts at all so the gall of TD bank to put them into XXXX XXXX XXXX as if I did something wrong with accounts ending in XXXX and XXXX is wrong. At this point Im willing to lawyer up if TD bank keeps up the shenanigans.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service & unfair practices which violates the Consumer Financial Protection Act ( CFPA ). 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 inconvenience & financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a wrong name and numerous wrong addresses on my credit report such as XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX phone numbers XXXX XXXX, XXXX, and XXXX XXXX, XXXX XXXX are not my names numbers or addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prosper Credit card sent a new card to someone with an increased limit {$1400.00}. I reported that I did not request nor receive a card and I had reported more than once for them to close the card in XXXX and in XXXX. They refused to closed the card and I did not know this until, they billed me for an annual fee on a card that was supposed to be closed. Then they mail a card with an increase to someone in XX/XX/XXXX. 
My home owners insurance trippled in XX/XX/XXXX due to Prosper reporting to the credit bureau that I was late or had not paid the annual fee. This blindsided me as I had told them last year to close this card because I did not need it and was not using it. My home owners insurance increased from {$1200.00} per year to {$3000.00} per year due to them reporting false information to the credit bureau which caused my credit score to decrease drastically, especially XXXX went to XXXX. This really hurt my credit score and caused major financial hardship to me. 
XXXX. I want them to eliminate the fee which they charged to a closed account. 
XXXX. Correct this information with the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my XXXX XXXX on credit report to state current. It is reporting negative on Transunion, XXXX, and XXXX from the XXXX  XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX my XXXX  XXXX  worker said that she will update my file as current. She works out of the XXXX County Division. She can reached at XXXX. She told that she will me a letter. Yet, I have not seen a letter or heard any thing from her in regards to honoring what she agreed to do,
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans Ive been fighting since their first lawsuit, was finally excepted with their second lawsuit and I was approved XX/XX/2022, the discharge of XXXX percent shows to be removed within XXXX  days XXXX  past that by XXXX  days, its affected my score every month within the XXXX  days on top of over the years by about XXXX points, thats not fair, their twos are harassing me and marking me feel like law is hopeless and that I need to be scared or depend on something other then my rights and law plus their letter.
Product: Debt collection

I have never heard of this nor received any bill. Evidently this is the wrong account.
Product: Credit reporting or other personal consumer reports

I'm contacting you regarding fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or permission, causing considerable anxiety. As a victim of identity theft, I've taken immediate steps to report this incident. This issue requires urgent attention due to its negative impact on my financial status and reputation. I request your assistance in swiftly removing all fraudulent data from my credit report and conducting a comprehensive investigation. I stand ready to provide any necessary evidence and, if needed, pursue legal action to safeguard my rights and seek appropriate redress. Your immediate attention to this pressing matter is greatly valued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to you today to inform you as well as the Credit Reporting Agencies that I am a the victim of identity theft. I conducted a research on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and inforamtion that are listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXX Balance ; XXXX XXXX Balance {$320.00} ; XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; and XXXX - XXXX XXXX  Inquired on XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company rep led me through three days of time consuming and costly sensitive financial information gathering without ever furnishing me with the cost of the loan up front and when I was notified I was approved at twice the CAB fee of loan plus interest, I declined the loan and they made threatening and derogatory remarks against my character and stated I was denied credit because of several inquiries made on my credit report. I feel I was discriminated against and humiliated for trying to obtain a loan.
Product: Consumer Loan

I have had a loan with Bridgecrest formerly XXXX XXXX Since XXXX, and a lease prior to that. I got behind in my payments due to my husband being hospitalized. I was reached out to by Bridgecrest by XXXX XXXX ( I have emails attached ) stating that she could help me get back on track, and I needed to make a payment by the XXXX of XXXX. I emailed her back stating that would be wonderful and made the payment as directed. I received another email from XXXX at Bridgecrest saying they had not heard from me and I owed a past due balance. I called Bridgecrest a total of 8x now for XXXX XXXX who said she would have the agreement finalized by today XXXX/XXXX/XXXX. I reached out to her again a hour ago and was told she would call me back within ten minutes. I have done what was requested of me and now am getting the run around. I just wish that Bridgecrest would tell the same story twice and be accessible. This is the not the first time I have had issues with this company.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from an erroneous credit reporting but I still have ITEMS left that needed to be removed. This is my another attempt to dispute the items in my credit file which resulted from an inaccurate credit reporting. Again, Im sending over an Identity Theft Report XXXX XXXXXXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information or items in my file that resulted from a wrong credit reporting, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that you have 4 business days to remove the reporting of any information or items in my credit file that resulted from an incorrect credit report information. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting

ocwen loan servicing llc reports a payment in XX/XX/2015 as 30 days late.i paid the mortgage on XXXX/XXXX/2015. ocwen did not apply the mortgage to my account. I requested a correction and ocwen denied it. ocwen increased the escrow amount in XX/XX/2015 without me receiving any notice. I sent in the amount I always sent and they did not apply my payment making it 30 days late. I ask CFPB to have ocwen to correct my credit reports to show I did make a timely payment.
Product: Checking or savings account

WELLS FARGO Fraud on my card and checking account cause credit reporting problems to all the bureaus and agencies resulting in low credit scores and unable to further have finances to operate business as normal. The amount is a XXXX and I've been dealing with this fraud claims with Wells Fargo the original claim date is XX/XX/2020. Wells Fargo close my account and then sent me a letter A year later stating that they're going to reopen my account every time I call in reference with my claim number they tell me sorry your account has been closed and we can not help you but then I will call hours later I speak to someone else from Wells Fargo and they will read my file and tell me this has to do with the high dollar claims team and we will contact you if not they will contact you within 2 to 3 business days this has been going on for about a year and a half due to covid my business doors had to shut and currently in a shelter and have lost everything because of this ongoing claim that Wells Fargo will not solve or resolve thank you please have a blessed day contact me atXXXX  XXXX PLEASE HELP ME