23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XX/XX/2016 I attempted to access my credit report online through a credit monitoring service ... the site stated that they were unable to process my request so I called the customer service number listed. They told me that I needed to call Experian to correct some information because what I was entering into their system did not match Experian 's records. I went to Experian 's website and was able to access my credit report using my credit report number and social security number. When I reviewed the report I noticed that there were accounts listed that I did not recognize and the report did not show any positive credit history. I could n't understand what was happening so I called Experian on the phone. Experian 's representative told me that he could not locate my file with my social security number, he could not give me a reason why and stated that he would have to initiate some kind of investigation. I have not heard back from this investigation. I do n't understand what is happening because I just accessed a tri-merged credit report XX/XX/2016. I have had credit for years and continue to have credit accounts at this time so I am not sure what is happening at Experian but I need it fixed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, A request was sent to Experian to verify all addresses located on my credit report. 
They received this request via certified letter. 
As on XX/XX/2022 I have not received any information or correspondence. 
The receipt for delivery
Product: Credit reporting or other personal consumer reports

I am filing this second formal complaint against XXXX XXXX XXXXXXXX for failing to remove an unauthorized account # XXXX from my credit report, despite my previous dispute. I never provided written consent for this account to be reported under my name, which is a direct violation of the Fair Credit Reporting Act, 15 U.S.C. 1681b, regarding permissible purposes for obtaining and reporting consumer credit information. My first dispute was ignored, and XXXXXXXX XXXX XXXXXXXX has failed to provide proper verification of the debt, as required under 15 U.S.C. 1681g. Under 15 U.S.C. 1681c-2, XXXX XXXX XXXXXXXX is legally required to block and remove any information that I have disputed as unauthorized. Their failure to comply is a willful violation of 15 U.S.C. 1681n, making them liable for at least {$1000.00} per violation. Furthermore, 15 U.S.C. 1681i requires credit furnishers to conduct a reasonable investigation within 30 days, yet XXXX XXXX XXXXXXXX has failed to take corrective action. The continued reporting of this account without my written consent is also a privacy violation under 15 U.S.C. 1681b. I am demanding the immediate removal of this account from my credit report, along with written confirmation that it has been deleted from all credit reporting agencies. Additionally, I request a full investigation into why my first dispute was ignored, as well as appropriate compensation for willful non-compliance, as permitted under 15 U.S.C. 1681n.
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 violates 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

XX/XX/XXXX or XXXX, I noticed this suspicious charge out of the blue for a ride through XXXX for XXXX total of {$17.00}. XXXX separate charges of {$11.00} and {$5.00}. XXXX  XXXX has not tried to look into the situation, they haven't proven that the account belongs to me by any means necessary. I have no idea what email is even being used for this duplicate account. This experience has damaged me completely from ever trusting in this business as well as messing with my financial situation. I reached out to customer service and explained to them my situation. My card information was stolen somehow so I was forced to report my credit card lost/stolen to recover funds I did not permit otherwise. All they have to do is look into the user with the PayPal account by looking into if I had an account with them. they can tell you I don't and never had one with them. The charges came from a PayPal account user. But XXXX continued to claim it's me with a duplicate account with a phone number ending XXXX. This company can easily track who this number belongs to, but they refuse to look into the matter. I have an easy history pattern that can be followed. I have no clue about the history of the account and what was purchased. How am I supposed to report this, so it doesn't happen to anyone else. I can prove it through both my credit card statements I do not own or have ever owned PayPal. I never had this issue before with XXXX or PayPal. I have this issue with both PayPal and XXXX. And I have took action with both.
Product: Consumer Loan

I borrowed XXXX from Big picture Loans and have up to date paid them XXXX with still more to pay bi weekly, at 803 % with payments going all the way to XXXX 2017. I closed my checking account since I can not seem to keep with this bi weekly payment of XXXX, this absurd please advise. Thank you
Product: Student loan

I applied for consolidation prior to the XXXX waiver and was told all prior payments would be automatically transferred to the new consolidated loan. After several months the number has yet to update. I've contact Mohela several time but keep getting different reasons as to why the number has yet to update. They have confirmed that the certification of employment is on file but refuse to update the payment count.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX and experience concerning my student loans which were discharge as of XX/XX/2020 unfortunately they are still affecting my credit and because of the discharge because of my XXXX they should no longer be affecting my credit as a matter fact they should be on my credit at all because of a discharge I have tried several times to get this resolved and steal all three of the credit Bureaus continue To report this derogatory information these items should no longer be on my report at all so I asked them to remove them and unfortunately they have refused to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan  # XXXX. I'm currently on a forbearance plan until XX/XX/XXXX and I've been on one since XX/XX/XXXX of last year due to Covid. I filed applied for a forbearance plan with LoanCare and per the terms of the plan if my loan was current prior to entering the forbearance that's how it would be reported. Until XX/XX/XXXX XXXX was reporting my correctly to the credit bureaus then suddenly after selling my loan they reported me late and closed my account. This needs to be corrected ASAP! My loan was current before and according to the plan so why am I being reported late now when it was being reported Pay as agreed until now..
Product: Credit reporting or other personal consumer reports

XXXX has reported an auto loan on my credit which i provided that don't belongs to to me and now XXXX sold the account to XXXX XXXX and it shows 2 open accounts under one auto loan which is against the law and should be remove from my credit ASAP
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, 2023, this credit inquiry was placed on my credit report, and have not applied for any form of auto loan from this company ( Possible fraud ).
Product: Credit reporting or other personal consumer reports

Review the documents attached and remove any personal information that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ), XXXXXXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3900.00} ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$460.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Owed : {$550.00} XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$640.00} XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint against Navy Federal Credit Union for their persistent and intrusive communication practices. The excessive calls have become overwhelming and have created a significant disruption in my daily life. I believe these actions XXXX be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other relevant regulations. 


Navy Federal Credit Union has been making incessant calls to my phone every day, often multiple times a day. Despite explaining my situation, the calls persist. 

I have spoken with representatives from Navy Federal Credit Union and explained that, due to my current financial situation, I am unable to make payments at this time. 
The continuous and frequent calls have become excessive, causing unnecessary stress and anxiety. 

I believe Navy Federal Credit Union 's actions XXXX violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant federal and state laws. The FDCPA prohibits debt XXXX from engaging in abusive practices, including excessive and harassing phone calls. 

I have taken the following steps to address this issue directly with Navy Federal Credit Union : I have spoken with representatives, explaining my financial situation and expressing my inability to make payments at this time. 
Despite these conversations, the persistent calls continue unabated. 

I urgently request the CFPB 's assistance in addressing this matter promptly. My desired resolution includes : Navy Federal Credit Union should immediately cease all communication with me, in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and any other relevant federal or state laws. 

An acknowledgment from Navy Federal Credit Union of my current financial hardship and a commitment to work towards a reasonable solution. 

Implement measures to prevent Navy Federal Credit Union from engaging in similar harassment in the future, ensuring compliance with applicable laws and regulations. 

I believe these actions would constitute a fair resolution to this matter and bring it to a satisfactory conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. Here is my Tracking Number # XXXX XXXX XXXX XXXX XXXX. However the Credit Bureaus said the completed the Investigation and EVERYTHING was 100 % Accurate. 

According to The Law 15 U.S. Code 1681a- Definitions ; Rules of Construction.

The Term " Investigation Consumer Report " means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to.???? 

How did they complete this INVESTIGATION??????
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>XXXX XXXX received dollar amount {$510.00} from website XXXX. Amount credited to SKRILL XX/XX/scrub>XXXX  - Transferred {$510.00} to XXXX  XXXX XXXX checking account XX/XX/year> - Account Restricted XX/XX/year> - Submitted email and verified information ( name, home address, birthdate, CA identification card ) to h restrict account Information given XX/XX/scrub>XXXX  - received confirmation email stated it may take up to 72 hours for resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed several personal addresses and collection/charge off accounts on my credit report. On XX/XX/XXXX I received notification from Experian that the accounts have been verified. The Law states that the items disputed need to be removed within 4 days of receiving my complaint. 

Experian is violating Section 604 15 U.S. Code 1681 B which states the credit reporting agencies dont have the right to report anything on my credit report without my written consent. 

Experian is also violating Section 605 A 15 U.S. Code 1681 C-1 Without my consent means identity theft Experian is also violating Section 605 B 15 U.S. Code 1681 C-2 Experian was notified that the disputed accounts was a result of identity theft and I didnt consent to the accounts being on my credit report and Experian still has not removed the accounts from my report Experian is also violating 15 U.S. Code 1666
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTION AGENCIES POSING AS MORTGAGE SERVICING COMPANIES XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX THESE ARE NOT BANKS AND ALL OF THESE ENTITIES ARE MISREPRESENTING THEMSELVES THESE COMPANIES HAVE LAWSUITS XXXX IS FALSELY CLAIMING THE COMPANIES PAID INSURANCE AND PROPERTY TAX THAT HAS NOT BEEN PAID LATE PAYMENTS ILLEGAL FORECLOSURE! Attached are public records of lawsuits! Please explain your lawsuits and payouts! These companies are not banks these companies are charged with mortgage abuse! PLEASE CONFIRM AND EXPLAIN THIS ABUSE! Lawsuits! Payouts! Public records on the internet just XXXX all of these companies to see report of LAWSUITS AGAINST FRAUD AND MORTGAGES ABUSE! Just XXXX IT XXXX, XXXX, XXXX, XXXX and all affiliations! XXXX it!
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to follow up my Previous complaints regarding the fraudulent information on my Credit File. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting that the Credit Bureaus remove the items in which I believe resulted due to Identity Theft. The items I am disputing do not relate to any transaction that I have done or authorized and I never received any benefits from the theft of my identity. I have read that the Credit Bureaus are required to remove any account and information that the consumer identifies as items resulting from the identity theft and was listed on an ID THEFT REPORT. I am submitting this complaint to request that the Credit Bureaus verify the accuracy if the following accounts and remove these items if unable to verify. By the provisions of the FCRA section 605b, I am urging the Credit Reporting Agencies to remove the following fraudulent items completely from my Credit report : 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 XXXXXXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXX Balance : {$4500.00} DP OF EDUC XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies in the reporting of Account # XXXX, originally associated with XXXX which appears on my credit report. Upon reviewing the reports from XXXX, Experian, and XXXX, I have identified several discrepancies and FCRA violations that require immediate correction. 

Specific Violations and Issues : Inconsistent Reporting Across Credit Bureaus : Key details of this account, including the Date of Last Activity, Date Opened, and Account Status, vary across the credit bureaus. These inconsistencies violate the FCRAs requirement for accurate and consistent reporting. 
Failure to Accurately Reflect Transfer to Another Lender : Experian lists the account as " Transferred to another lender, '' while XXXX and XXXX do not include this information. If the account has been transferred, all credit bureaus must accurately reflect this status. 
Misrepresentation of Account Status : The account is reported as " Indeterminate '' for its status, which is vague and misleading. FCRA requires clear and accurate reporting of account statuses, such as " Closed, '' " Settled, '' or " Transferred. '' Misrepresentation of Payment and Balance Information : While the balance is reported as {$0.00} on all three reports, XXXX describes the account as " Charged off as bad debt, '' while Experian lists it as " Charge-off, Transferred to another lender. '' This inconsistency suggests inaccuracies in how the account 's resolution is being reported. 

Requested Action : I demand the following actions to bring this account into compliance with FCRA requirements : Correct all inconsistencies in the account details, including dates, status, and remarks, across all credit bureaus. 

Update the account to clearly reflect its status as " Transferred, '' " Closed, '' or another definitive status. 

Ensure the reporting aligns with FCRA standards for accuracy and clarity, particularly regarding the transfer of the account to another lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX has violated my rights.

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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to REMOVE these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQFX XXXX XXXX