23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Money transfer, virtual currency, or money service

I am filing this complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit file. Below, I provide details of the issue and request its removal from my credit report. 

Account Name : NORDSTROM/TD BANK USA Account Number : XXXX Inaccuracy Identified : The account reflects the status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX, which is inconsistent with the provided payment history and account details : 1. Payment History : The 24-month payment history inaccurately marks all months from XX/XX/XXXX through XX/XX/XXXX as delinquent ( shown in red ). However, this does not align with the last payment date of XX/XX/XXXX, and the status update of XX/XX/XXXX. The account should not reflect ongoing delinquencies after it was already charged off and closed. 
2. Past Due Amount : The account lists {$1400.00} as past due as of XX/XX/XXXX, despite being charged off and closed years earlier. Reporting this balance as past due is misleading and potentially incorrect, as a charged-off account should not have an actively past-due balance. 
3. Comments : The report includes a note stating that the Account previously in dispute investigation complete, reported by data furnisher. However, the ongoing inaccuracies indicate that the investigation may not have fully resolved the discrepancies. 

Requested Resolution : Remove the account entirely from my credit report, as the inconsistencies in reporting suggest it may not be accurate or verifiable under the Fair Credit Reporting Act ( FCRA ). 

I have attached copies of my credit report highlighting these inaccuracies for your reference. Please notify me in writing of the results of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your resolution within the time period allotted under the FCRA. 

Let me know if youd like further modifications.
Product: Credit card

Hi mi name is XXXX XXXX I have a trouble with my credit score SSN at Risk Social Security Number ( SSN ) XXXX Location Where Unauthorized Access to Confidential Information Occurred XXXX Date Found on the Dark Web XX/XX/year> Additional information found with this unauthorized access to confidential information. 
Identity Information First Name : XXXX XXXX XXXX : XXXX Last Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has reported me late to credit bureaus during a complaint that is not resolved and XXXX XXXX XXXX has requested additional time to resolve. In XXXX, I was told I would be approved for a modification of my loan terms. This issue remains unsolved after my dispute.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX Balance Owed : {$55.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$34000.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX XXXX* Balance Owed : {$660.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I transferred, XXXX USD from my bank account to my crypto.com account to do crypto currency business. unfortunately, I scammed and lost all my money through crypto.com. a scammer contacted me on my what's up number and said if you want to do crypto currency business, I can help you, she said I know a very good platform you can install it but don't transfer your money through your bank account. the good thing is crypto.com you can transfer your money form crypto.com to XXXX unfortunately I transferred all my money, when I want to withdraw, they didn't let me to withdraw my money and made excuses. they wanted to steal more money, they said you have to pay the taxes, I said I will pay the taxes for IRS not for the platform. at the end of the day, they blocked my account in XXXX. I contacted and reported this issue to crypto.com regarding the fraud and scam, but unfortunately, I didn't get reasonable answers from crypto.com. they said when we transferred your money to external wallets, we can not do anything, I am wondering why this big company can not recognize the fake platform with their high security, I am an induvial person how should I recognize the fake platform. and I attached more details in the letter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the veracity of an alleged eviction on record appearing on my credit and rental report. Previously, I disputed this identical account with the credit bureaus. Their reply, however, was that the account had been verified with ( Company name ). 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ), As well as ( FDCPA ) 15 U.S. Code 1692, your company has the obligation to ensure that any data reported on my credit profile is both accurate and complete. Furthermore, according to the Metro 2 format guideline developed by the XXXX XXXX XXXX XXXX, data furnishers are mandated to report complete and accurate information about each account to the credit reporting agencies. Lastly, Under the FCRA Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i-1681x et seq, information can not be verified if you do not have the authority to access, edit, or share this consumer 's account. 

Given these legal requirements, I respectfully request that you furnish any documentary evidence in your records that you believe validates the derogatory information under dispute. 

I anticipate a response to this challenge within 30 days from the date of this letter, as mandated by the FCRA. If you can not produce the requested documentation, I kindly insist on the prompt elimination of the eviction record from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written multiple letters to the credit bureaus spanning over a decades about the correction and removal of information on my credit file that was either incorrect, or did not belong to me. 

I have written letters to the credit bureaus numerous times that I shared a name with my father, who is now XXXX, and I suspected there had and has been foul play regarding my credit ; I've written in numerous times that the information needed to be adequately updated to reflect that my name is " XXXX XXXX XXXX XXXX '', and not ANY variant of the name or spelling, and that I had nothing to do with much of the information and accounts on my credit profile ; This has opened doors for the misuse of my credit profile. 

At the beginning of XXXX XXXX XXXX  XXXX one again did my due diligence to seek the repair of my credit profile with each bureau, and days later, suffered a car accident that rendered me unable to work and caused the loss of my transportation. I have written letters to each credit bureau in XXXX requesting the necessary changes/ removals to be done on my credit reports, and with their responses over the past XXXX months, I took the time to mail in their requested documentation supporting my claims, jumping through their hoops, to no avail. 

As of XX/XX/2023, not only have some of the credit bureaus willfully neglected my requests for the necessary changes, but their investigation ( XXXX ) has taken more than XXXX days to resolve. They are in direct violation of the credit consumer laws. Furthermore, I sought repair to the damage that has been done, and continues to be done, long before it ever should have been an issue ; I have had numerous issues, suffering XXXX XXXX XXXX XXXX  ; I have been denied living arrangements, employment opportunities, and funding opportunities to build a life of my own ; I have been unable to ever lease a vehicle and forced to rely on family for transportation, and finally as of XX/XX/2023, am undergoing an eviction and am facing homelessness due to the inability of the credit bureaus to carefully, and truthfully examine my cause and rectify the situation. 

I am demanding immediate correction of my credit reports and profile information, including but not limited to : The update and/or removal of Names, Date of Birth, Addresses, Phone Numbers, Employment, Creditor Account Information , Inquires ( Both Soft and Hard ), in addition to Financial Restitution for the damages caused by defamation of character, lowered standard of living, negligent enablement of identity fraud, mental anguishXXXX XXXX distress, discomfort, embarrassment, turmoil, and the inability to live a regular, normal, life due to the neglect, dishonesty, and irresponsibility of the credit bureaus for over a decade.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


XXXX XXXX Original creditor : Balance details XXXX % of this account is paid off Balance on XX/XX/XXXX {$180.00} Original balance {$180.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXX  Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Is everything correct?
Product: Debt collection

I have been getting harassed while at my home of residence from numerous amount of different people bringing paper documents and being aggressively toward me. I have installed cameras they come any day any time.XXXX XXXX XXXX I have paid in full numerous balances in past I didnt want any more loans they stated I replied to more than advised which was not correct so I guess a court action of a collection company taking toward in which this balance asking for is way more than they stated I owed but I will not sign something to satisfy there needs. I have not received funds there inquiring about. The XXXX was 35 % more on top of what I paid so I would never pay it off this was a manipulation to get me to stay with them. I am not obligated to consider a new loan please be advised I want to heard and live in peace Im goin threw XXXX XXXX XXXX because of this. I asked XXXX to step in they did nothing so can u have someone help my situation please. They are using XXXXXXXX XXXX as a person to come knocking on my door
Product: Debt collection

Received letter claiming judgement was entered against me and the account was placed with the office to be collected. 

No record of judgement, court filings or even the debt can be verified or found.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unrecognized account that is currently listed on my credit reports with both XXXX and TransUnion. The details of the account are as follows : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Current Balance : {$1300.00} Status : Closed and charged off I do not recognize this account, and I did not authorize its inclusion on my credit reports. I have no knowledge of this account, nor have I ever held an account with the details mentioned above. The only credit bureau that has removed this account from my report is XXXX. However, it is still inaccurately reported on my XXXX and TransUnion credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and verifiable information. I request that this account be investigated and removed from my credit reports immediately as it is not a valid representation of my credit history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 of INQUIRIES : XXXX XXXX XXXX XXXX, XXXX  EXPERIAN XXXX XXXX XX/XX/year> XXXX  : CHILD SUPPORT ENFORCEM XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to file disputes and have information on my credit reports updated to reflect the current status, account balances, etc. of various accounts on my credit. Each time I attempt to file a dispute the companies decline to update my information to reflect accurate information. The following is accurate. 

On XXXX I contacted XXXX, a credit card company, and found out that my account had been charged off. They provided me with contact information for XXXX XXXX, the company that now had my account. On XXXX I spoke with a representative and paid the account in full, as agreed per the settlement offered. Attached is a recent shot of my bank account showing this debit from my account. 

On XXXX I contacted XXXX, a credit card company, and found out that my account had been charged off. They provided me with contact information for XXXX, the company that now had my account. On XXXX I spoke with a representative and paid the account in full, as agreed per the settlement offered. Attached is a recent shot of my bank account showing this debit from my account. 

On XXXX I contacted XXXX XXXX XXXX. They informed me that I had a collection account for XXXX trash company ( a past-due bill ). I paid the balance, per the settlement agreement in full. 

On XXXX I contacted XXXX XXXX XXXX XXXX company. They informed me that I had a collection account for XXXX. I paid the balance, per the settlement agreement in full.
Product: Checking or savings account

I deposited a check into my business account ( XXXX XXXX XXXX ), chase bank put a hold on it for 7 days, the check cleared and was good. Chase decided to restrict my account due to the fact that they did not have a verified phone number for the company to call and verify the check in their system, even tho the check cleared weeks ago. They claimed that a notice of restriction was sent to me on XX/XX/XXXX, I did not receive no notice until XX/XX/XXXX. I stopped by a local branch and spoke to a branch banker who tried to help me, but the next day on XX/XX/XXXX Chase closed my account claiming that 10 days has past by and I did not resolve the issue. They are holding my money in the amount of {$30000.00} and will not release it to me. They are claiming that they dont have a verified phone number to call and verify the check even tho the check cleared weeks ago. I provided them with a phone number I obtained from calling XXXX for the business, but they keep lying and claiming its not verified in their system. I spoke to multiple supervisors on the following days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX They all keep lying to me and claims that the phone number is not verified in their system, and each one of them would give me a different story, the are holding XXXX XXXX dollars of my hard earned money and I need help getting my money and reporting JPMorgan Chase for their ways of trying to scam business out if their hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get e loan for school from my bank end I was not approved. I got a copy of my credit report finally and there are things on there that are not mine. I was advised XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts from my credit.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Ccs collections Progressive insurance Company has been furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION Reporting information with actual knowledge of errors 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 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.As defined by the *** Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return.The *** clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate By definition the *** clearly says a canceled debt or charge off is income. The reporting of this account as a debt is in accurate
Product: Payday loan, title loan, or personal loan

I have called several times on my account getting quotes of the payoff. Customer service representatives are quoting me different amounts that is owe for the payoff. I was quoted on XX/XX/XXXX that the payoff for XX/XX/XXXX is {$570.00}. I made a payment on XX/XX/XXXX for {$320.00}. I understand that there is a daily accrue of interest for this loan. I do not know how it come that I call on XX/XX/XXXX that the payoff is now {$440.00}. I do not understand this math. I was also told on XX/XX/XXXX that I my contract states that my last two payments are in XX/XX/XXXX on a bi-weekly basis when I only get paid monthly. I do not see how this is fair practice with pay day or installment loans.