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

Despite our previous attempts, I regret to inform you that this issue still persists. The presence of a late open account affects my credit score and raises concerns about the accuracy and integrity of my credit information. I kindly request that you prioritize the investigation and resolution of this discrepancy, ensuring that all necessary steps are taken to correct it in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX  Balance : {$400.00}.
Product: Payday loan, title loan, or personal loan

Moneylion continually fails to credit my payments when they are received. This has occurred month after month. Currently they are in possession of my most recent payment, received by moneylion on or before XX/XX/2023, cashed by moneylion on XX/XX/2023, and has yet to be credited to my account. I have asked multiple times for multiple months for moneylion to correct this issue and they refuse to remedy. This has resulted in hours of my time, all to get them to do what is required by this protection bureau.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX, and XXXX and again XXXXI sent a letters certified to Experian Credit Bureau tracking # XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX requesting the removal of inaccurate previous addresses be removed from my report immediately due them not belonging to me as I do not live there. Experian is still reporting this inaccurate information and will not remove it. I have been advised by the attorney general office to sue the credit Bureau due to 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 Experian sent me a so-called updated result showing my current address as well as a address showing on my account as previous. I keep telling Experian that address is not a previous address of mine. Experian told me to call the creditors and update the address with them and the creditors would let Experian know of the incorrect address and report the current address, however when I spoke to the creditors, they stated they had no info on me with the proof of identity I provided, and that I should Experian back and have them delete the inaccurate address. I am so irate with this going back and forth that Experian has given me. Experian is the only credit bureau reporting this inaccurate address.
Product: Debt collection

XXXX XXXX XXXX retained XXXX XXXX, and filed a civil suit against me for an old debt from 2018. I negotiated a settlement with them for {$2000.00} in exchange for dropping the suit and settling the matter in full. I received a confirmation letter of the agreement, and a paid in full letter from XXXX XXXX, yet XXXX XXXX XXXX refuses to update the credit bureau as settled in full, and is instead insisting in their reporting to the credit bureaus that I simply made a payment and still have a balance due. They refuse to work in good faith to correct this and are intentionally lying and negatively impacting my ability to obtain credit as a result. A quick look on their XXXX reviews shows a pattern of behavior that indicates this is a predatory business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and Transunion all stated that account number ending is XXXX was accurate as well as complaint. After looking further into my credit report I noticed that All 3 Failed to provide me with the utmost accuracy and compliance that I needed in my credit file as it affects my every day life. 

Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date of First Delinquency IS MISSING Creditor Classification IS MISSING XXXX XXXX also states that they closed my account which isn't true. I asked them to close my account. It makes me look unworthy of credit when it states untruth as they state. 
LATE PAYMENTS ARE INCORRECT because I don't have a DOFD to even start where the late payments begin. Please Remove late payments and Mark paid as agreed or Delete from my Report Section 607 ( b ) of the FCRA provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.In some cases, such as when certain account or other information fields on consumer reports are logically inconsistent with other fields of information, a consumer reporting agency can detect the logical inconsistencies and prevent the inaccurate information from being included in consumer reports it generates, thereby avoiding the consumer harm to individual consumers that can result from reporting such inaccurate information.In addition to provisions authorizing Federal and State enforcement, [ the FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees.Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees.A violation is willful when it is inconsistent with authoritative guidance from a relevant agency.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the fraudulent account currently appearing on my credit report. Despite sending you my previous dispute letter and the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, this account is still being reported on my credit report. I have contacted the company associated with this account, and they have acknowledged the fraudulent nature of this account so the account was already removed from XXXX and XXXX. I have also provided the company with all necessary documentation to support my claim. Please have this account deleted from my report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello I didnt authorize a credit card to be open my Navy Federal . I had a checking account and savings open only. My house was broken into in my information and belongs was stolen. Charges where made and a credit card was open in my name that I didnt authorize In Navy Federal . I called them and let them know also sent a police report starting the same thing and they havent fix it. Now my credit has a XXXX and its affecting my credit score. I tried filing a dispute still nothing.Im not sure when it was open but it was in 2020 around XXXX in the amount of XXXX
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, XXXX continues to incorrectly report the accounts listed as XXXX XXXX  XXXX XXXX XXXX, XXXX. The debt has been canceled and reported to the IRS as income. Since this is now concerned income it can not be reported. These accounts need to be immediately deleted from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to and was approved for a credit card with XXXX XXXX XXXX Credit Card Department in XX/XX/2020. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as XXXX, Transunion or XXXX  as an account and one in good standing. 

Please have them ( XXXX XXXX XXXX Credit Card Department ) report this credit card account to XXXX, Transunion and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX, and XXXX have violated all of these codes listed below : In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX and XXXX XXXX, has violated my rights. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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 3. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 4. 15 U.S.C 1692B Section 4 States : not to be communicated by post card 5. 15 U.S.C 1692B Section 5 States : not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Product: Debt collection

I am writing to file a formal complaint against CBE Group for engaging in a practice commonly known as debt parking, which, according to the Federal Trade Commission ( FTC ), is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I recently discovered that CBE Group has reported an alleged debt to credit reporting agencies without making a good-faith effort to contact me, the consumer, as required by law. The FTC clearly stipulates that debt collectors are prohibited from reporting an alleged debt to credit reporting agencies without first attempting to reach out to the consumer to discuss and verify the debt. 

The specific details of my complaint are as follows : 1. Alleged Debt Reporting : CBE Group has reported an alleged debt to one or more credit reporting agencies without any prior communication or attempt to contact me regarding this debt. This action not only violates my rights under the FDCPA and FCRA but also undermines the fundamental principles of fair and ethical debt collection. 
2. Lack of Verification : Without any prior contact or attempt to reach me, CBE Group has reported this alleged debt, which raises concerns about the accuracy and validity of the debt in question. By failing to follow proper procedures, they have left me without the opportunity to verify or dispute the debt as allowed by law.
Product: Vehicle loan or lease

I just received my credit report and I noticed an account that opened up in my name a while back. When I was in the shelter someone used my account in so many levels. This has been a rough time during the pandemic crisis
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my XXXX credit report for the year like I always do annually and I noticed XXXX hard inquiries that I did not approve of and didn't know about. The companies for these inquiries are : XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX All on XX/XX/XXXX and XXXX, 2020. And also XXXX XXXX on XXXX XXXX, 2020 2020
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fufill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information of my credit report, leaving inaccurate or unverifiable accounts unresolved. I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 72 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, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I have requested to have XXXX XXXX XXXX XXXX  and XXXX XXXX removed from my reports. They do not belong to me. 


I also have tried without success to remove all unauthorized inquires from my reports. 

XXXX XXXX XXXX XXXX The other names and social security numbers on my reports do not belong to me and wish to have them removed as well
Product: Credit card or prepaid card

At XX/XX/XXXX, my wallet has been stolen and my Chase Freedom XXXX credit card has lost ( along with many other cards from different financial institution ). I was in the condition of moving-in to my new apartment so I haven't notice my wallet was lost until I got a fraud-transaction message from Chase Bank, asking me to verify that whether the {$700.00} transaction in XXXX XXXX  XXXX that they detected is a fraud transaction, I answer " NO '' to that text message. After that, I immediately called Chase to cancel whatever transaction that has been made that day and froze all of my cards, and they say that all of the transactions has been cancelled and I do not need to worry about it but just waiting to get my new cards. I also called the police to report this property lost because my driver license is also in my wallet, the police help me to place a fraud alert under my credit account, and I got a police report few days later. 

However, about one month later, I got a phone call from Chase fraud transaction review team, saying that this {$700.00} transaction is valid after their review, because I can not prove that I was not using that card at that time. I said that I called Chase and the police right after I found this fraud transaction, but they just said, " the police report is just what you told the police ''. I also provide them with the screenshot of my renew driver license, but they won't accept that as a valid evidence. Right now, they applied this {$700.00} to my new credit card account and ask me to pay for it, unless I can prove that I was not using the credit card at XXXX XX/XX/XXXX. I was staying at home all the time and couldn't get any evidence to show it, I am asking the XXXX footage of my apartment but it is very slow to wait for them getting back to me. I called the police at the second few weeks ago to report this crime in a much more detailed way, and I got a new police report but still no one is following up with my case. 

I just feel like I am a victim of everything, the Chase won't believe me, the police won't help me, the theft won't return my wallet back. I have already experienced a big loss of all of my other stuff in the wallet, but what Chase did to me is making my condition even worse. I am a loyal member of Chase, and I am using their cards for years, I even have a sapphire credit card, but the way the Chase representative talked to me via phone makes me feel like I am the suspect. I feel very disappointed about all of these things and really need support from CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have tried to get in touch with the XXXX XXXX XXXX repeatedly about this situation. They are currently reporting an account on my Credit Report without verifying my information like I have asked them to do. I have sent multiple letters asking for verification of any contracts bearing my signature and they have failed to provide that proof. They continue to " verify '' my account with the credit bureaus but have failed to share the documents that they are verifying these accounts with.
Product: Checking or savings account

Chase closed my account on XXXX XXXX. I went into their XXXX XXXX XXXX. XXXX Texas location on XXXX XXXX. I was told by an officer that I would receive the money in my account in no later than 10 days. It has now been 15 days and I have not received my money. An employee check bounced on XXXX XXXX and I need to pay her.
Product: Credit reporting or other personal consumer reports

Ive sent in A letter to XXXX, XXXX, and Equifax over 30 days ago and they repeatedly told me to wait for a call back to handle this matter. I explained to them that they only had 30 days to respond and they failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. Equifax XXXX XXXX XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX XXXX XXXX  ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX Equifax, and XXXX are not maintaining reasonable procedures, and is in violation of severals even the ones I didn't state.