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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Delete this account.
Product: Vehicle loan or lease

Theres a class action lawsuit out on credit acceptance for manipulating clients contacted of harassing them about the Car loan and I put a down payment, which was my other car on my vehicle to get this vehicle and is against a lot to ask for any money at the time of loan!! Credit acceptance has been deceptive about the car loan leading and harassing me about this car loan and my credit back
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Square.com as a payment processor holding my funds. They requested several documents, even connected to my bank account and after that they send an email that indicates my account is okay and I can accept payments. After 4 days, my sales come to total of {$1300.00} and they deactivated my account. Now they are holding funds for 120 days and there is no way to reach a person to talk about the issue. 

On the other hand, as you can follow from their discussion boards, they are offering loans to customers with high interest. Now, on one side they are holding funds of customers without any explanation, on the other side they are selling this amount to small businesses. 

Please check XXXX search to see how people are without any solution XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the information on my credit report regarding an account from the US Department of Education, account number [ XXXX ]. According to my records, this account has been erroneously reported as having XXXX late payments, despite being charged off. As charging off an account typically signifies a lender 's acknowledgment of non-payment, the presence of late payments after this event is contradictory and suggests a violation of reporting standards. 
I have previously disputed this account multiple times without resolution. Despite my efforts, it appears that the account status remains unchanged, and there is no indication of my previous disputes on my credit report. This lack of acknowledgment of my dispute is concerning and represents a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
Furthermore, I request complete and accurate account level documentation regarding the aforementioned account. It is imperative that I receive all relevant information pertaining to this account to facilitate a thorough review. I also request that this account be marked as disputed on my credit report to reflect the ongoing dispute process. 
Failure to provide the requested documentation within 15 days, as mandated by federal law ( 15 USC 1681n ), will result in the immediate deletion of this account from my credit report. I remind you that compliance with the FCRA is not optional, and any failure to adhere to its provisions may result in legal action. 
Additionally, I am asserting my rights under the FCRA ( 15 USC 1681e ) regarding the credit reporting agencies ' obligation to conduct a thorough investigation into disputed accounts. Any deficiencies in compliance procedures will be considered a violation of my consumer rights. 
In conclusion, I expect prompt action on this matter and a timely response to my request. Your cooperation in resolving this dispute is greatly appreciated
Product: Credit reporting or other personal consumer reports

I had previously sent a notice on XX/XX/2024 to the consumer reporting agencies about an alleged identity theft and to date I have not received a response. There's also a duplicate account from XXXX XXXX but the account type is mortgage when I NEVER HAD A MORTGAGE. This is all identity theft and I demand that all the accounts listed gets removed from my consumer reports. See attached. It has been almost 2 months since I sent this notice with all the documents. Since then, I have completed a new identity theft report as it is now aggravated identity theft. I have also sent a notice cease all communication to XXXX XXXX and they are still communicating with me on my transunion consumer report. The FDCPA states that the term " communication '' is defined as " the conveying of information regarding a debt directly or indirectly to any person through any medium '' and consumer reporting is an indirect medium of which they are using to communicate. That is a violation of the procedures of the FDCPA and since they are reporting without my consent they are also committing aggravated identity theft.
Product: Vehicle loan or lease

Company is reporting inaccurate information on my credit report. Have tried to contact many times with no prevail.
Product: Debt collection

On XXXX XXXX I woke up to check my credit I was extremely upset to see XXXX collection items reporting that did n't belong to me. I seeked advice from a professional and read some articles online how to handle it. I then sent the collection agency revenue collect a debt validation letter that requires them to not collect on the debt for the next 30 days. I also sent a letter to XXXX XXXX and XXXX disputing this debt. On XXXX XXXX I have n't heard anything back from the collection agency but I noticed that both collection items were deleted from XXXX and XXXX but not from XXXX. XXXX deleted the debt for {$90.00} but not the the one in the amount of {$1900.00}. I called XXXX and ask what type of invesgation did they perform they informed me that they did n't have to investigate that the collection agency responded to them that the debt of {$1900.00} would remain on my credit report. I do n't understand how that is so when Revenue collect never responded to me at all. Now I know just from reading they violated the FDCPA specifically section 15 USC 1692G. As a consumer they vilaoted my rights as well. I am extremely XXXX. This accounts need to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to get this matter resolved. I've submitted my previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The inaccurate information are reporting to my credit file held with 3 credit bureaus. These items were appear in my account fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report ASAP : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} ; XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX XXXXXX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate information that appears on my credit report. This information is inaccurate and should be corrected or deleted. The errors which prompted this credit report dispute include : An inquiry was made by a company called XXXX on XXXX. I did not give them permission to pull my credit. Please delete this off of my report. 

An inquiry was made by a company called KLARNA/WEBBANK on XXXX. I did not give them permission to pull my credit. Please delete this off of my report. 


XXXX XXXX account XXXX. This account is not accurate. Please delete XXXX XXXX XXXX account XXXX. This account is not accurate. Please delete XXXX XXXX XXXX account XXXX. This account is not accurate. Please delete. 

XXXX XXXX Bank Account number XXXX This account is not accurate. Please delete. 

XXXX XXXX BANK XXXX account XXXX. This account is not accurate. Please delete. 

SELF /ATLANTIC XXXX B account XXXX. This account is not accurate. Please delete. 

SELF FINANCIAL/LEAD BANK account XXXX. This account is inaccurate please delete this information. 

According to Section XXXX of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any inaccurate or outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to me. 

Please investigate and update these items as soon as possible.
Product: Checking or savings account

On XX/XX/18, opened two accounts, one savings, one checking at Chase bank branch in Washignton, DC. At time of opening, a new account bonus code was provided, which banker said was invalid. Banker advised that I could obtain a new code, provide it within 10 days, and it would be no problem to apply it to the account. The code offers a financial incentive if certain conditions are met. On XX/XX/18, provided via email a new bonus code and was advised on XX/XX/18 by banker code was invalid. Upon review, I noticed a typographical error in the emailed bonus code and immediately replied to banker with the correct code and the photo of the code. To date, I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have Equifax validate a account theyre reporting on my credit file from XXXX XXXX. After several failed attempts in requesting that they validate and provide copies of any documentation associated with this account, bearing my signature. I have been keeping carful records of all actions that Equifax has taken my originals letters have made it very clear that I do not consent to XXXX or any other means of automated verification. Serveral letters requesting this information was delivered and received by Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as of today XX/XX/XXXX they have fail to comply with the Fair Credit Reporting act and to my request this is my final attempt at resolving this issue before proceeding with filling a lawsuit and having a judge order Equifax to provide this information in the court of law.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about getting information from Equifax. I tried to start a dispute on the Equifax website 5 minutes ago. Equifax claims I have 7 accounts open on my account. When I tried to dispute this on their complaint page- the open accounts were not in there account. This is fraud and false information. These Credit Reporting agencies should be fined or put out of business. I have just been denied housing because of a false credit report, and denied funding for university. I can show you the rejection emails! I want a judgement of XXXX XXXX dollars from Equifax.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am writing you to formally express my concerns regarding zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the plateform. Despite using zelle numerous times and reporting discrepancies to my financial institution and zelle failed to investigate my claims adequately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit card

Identity theft - someone opened a credit card ( XXXX  XXXX credit card through TD Bank ) using my name, address, SSN, phone number from my parent 's house when I was a kid. I was notified by email, and by an email from Identity Theft that TD bank had run a credit check through XXXX. They then ordered a {$10000.00} gold chain necklace through XXXX XXXX, to be delivered to my name at an address on the other side of the country.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} 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
Product: Credit card

Erroneous billing for interest charges for card with no activity after receiving confirmation of final payment.
Product: Debt collection

There is an account in collections that I did not authorize a loan through. I have been trying to remove it from my credit and dispute it for over a year informing them I was under a fraud alert for several months on my account. I have no documentation from this company indicating what it is or what the reason of it is. I have contacted the original company that was displayed on my credit, XXXX and informed them of the account being open fraudulently and they refused to close or remove.
Product: Checking or savings account

Accounts have been opened in my beam with Chase bank! I reached out to chase about these accounts being opened and my claim was denied because of transaction made near where the account was opened I had NOTHING to do with these accounts I submitted a police report along with a declaration report. I have been a victim of ID theft and have never banked with chase.
Product: Vehicle loan or lease

WestLake Finical continues to alter my interest rate as I continue to make bigger and bigger payments. They are not charging me according to my loan, but increases my rates when I make extra payments. 

For example, in XXXX of XXXX I made extra payments and I was charged : + {$120.00} in interest. In XXXX I was charged + {$71.00} in interest The last payment I made on XX/XX/XXXX, less than 15 days after the last payment made on XX/XX/XXXX, was charged almost {$25.00}, about {$1.00} per day. The payments before that charged at {$0.00} per day. 

I have a fixed interest rate but as I continue to make extra payments, they alter the interest rate that I have to pay. They are not applying the extra payments towards principle and stated they cant apply extra payments towards principle. I am nearly 2 years ahead of my payments and I believe I would have paid off my car by now, if they had not continued to change my interest rate based on my payments and extra payments. 

Another example : XX/XX/XXXX I Mae the 4th payment in one month with a balance of {$3400.00}. I made a payment on XX/XX/XXXX in the amount of XXXX. Due to the increase in rate, the current balance is {$3000.00} because they charged me {$24.00} in interest and only {$420.00} went towards principle. But that was the FOURTH payment in the month of XXXX.