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

XXXX ; XXXX and Transunion should not be reporting a balance of {$390000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXXXXXX XXXX XXXXXXXX XXXX XXXX needs to report a {$0.00} balance. This duplicate reporting of a balance due is seriously harming my credit score and this line item needs to be updated. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus, as well as XXXX to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is reporting incorrectly on my credit report XXXX XXXX XXXX XXXX XXXX Incorrect address are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

Please see original complaint # XXXX. Because Bank of America did not do it's due diligence regarding this matter, I had no other choice than to hire an attorney to resolve the issue. My attorney did indeed get the proof necessary in order for Bank of America to reverse the fraudulent charge dated XXXX XXXX 2022 for the amount of {$1200.00}. Bank of America never contacted the merchant in question, only XXXX payments systems and took their word for it. Clearly, XXXX has also been scammed in this situation. As you can see from the document my attorney prepared the merchant in question did NOT provide me or my husband any kind of product or service. 
Attached you will find the original letter from my attorney XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and the XXXX XXXX  XXXX XXXX of XXXX XXXX XXXX XXXX. I look forward to hearing from Bank of America in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX stated that an additional {$500.00} was due on a lease that was always paid on time. The vehicle was totaled and USAA handled the case. USAA sent payment that was cased ( copy attached ) in XX/XX/2020. Six months after accident due to XXXX not sending paperwork correctly. Can have USAA provide information on that statement. 
USAA said the {$500.00} was not due XXXX, I can request phone recordings. 
Attached is paperwork with the {$15000.00} XXXX that is listed on paperwork. There is one sheet that has a higher amount, that does not match the check. My lease sis not have a deductible in the lease. The {$500.00} was paid after XXXX bulk reporting several months of late at once and after USAA informed me that the {$500.00} was not due to XXXX. XXXX says they can not remove the reporting, in actually they can. Nothing was late. The was a discrepancy with a deductible that has been paid so stop the bad credit reporting USAA said not too pay. XXXX emailed a letter with different numbers, we paid the {$500.00}
Product: Credit reporting or other personal consumer reports

Subject : FORMAL DISPUTE OF INACCURATE ACCOUNT REPORTING Account Name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) Equifax Report Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the XXXX XXXX collection account on my Equifax credit report. Upon reviewing my report, I have identified several violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the accuracy, legality, and completeness of the information being reported. 

FCRA & FDCPA VIOLATIONS IDENTIFIED 1. Failure to Accurately Report Dispute Status ( FCRA 623 ( a ) ( 3 ) ) The account is marked with Dispute resolved reported by grantor, yet I still actively dispute this debt. Under the FCRA, all disputed accounts must be properly updated to indicate an ongoing dispute. This failure to report accurate information violates federal law. 

2. Failure to Validate the Debt ( FDCPA 1692g ( b ) ) XXXX XXXX  is attempting to collect on an alleged debt without providing proper validation. If no signed contract, itemized statement, and original documentation exist proving my responsibility for this debt, continued reporting is unlawful.

3. Misclassification of Account as Open ( FCRA 607 ( b ) ) The account is marked Open, despite being a collection account. This misclassification misrepresents my creditworthiness and violates the FCRAs mandate of maximum possible accuracy. 

4. Potential Re-Aging of Debt ( FCRA 1681c ( a ) ( 4-5 ) ) The Date Opened listed as XX/XX/XXXX appears inaccurate. If the original delinquency date is older than reported, this is an illegal attempt to re-age the debt and extend its reporting beyond the XXXX statutory limit. 

5. Inaccurate Balance & Status ( FC

RA 1681s-2 ( a ) ( 1 ) ( A ) ) If this debt has been paid, settled, or never owed, continued reporting of a balance is illegal under the FCRA and constitutes defamation of character and financial injury.

FORMAL DEMAND FOR DELETION Due to these clear violations of the FCRA and FDCPA, I demand the immediate removal of this account from my Equifax credit report. Failure to comply with federal law within 30 days from receipt of this letter will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action. 

Requested Actions : Equifax : Delete this account from my credit file due to multiple reporting violations. 
XXXX XXXX : Provide full validation ( contract, statements, and records ) or delete the account. 
XXXX XXXX  XXXX : Confirm whether this account was assigned correctly. 
I expect a formal written response within 30 days as required by law. Failure to act will result in legal action for willful noncompliance with 15 U.S.C. 1681n. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account XXXX, XXXX account number XXXX XXXX have all 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXXXXXX - {$0.00} Late Payment XXXX  - XXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan

It started on Monday XXXX I received a message from my father 's ex-wife 's daughter frantically telling me a company was contacting her concerning a claim against me. The next day I get another message they called his ex wife and told her the same. Mind you they 've been divorce over 12 years. The same day I get a call from my mother claiming thw same thing. So I call and am advised I am being charged {$920.00} for a payday loan from Advance America from 2 years ago including interest and legal fees. I was told I would be taken to court and or arrested and possibly garnished if I did n't conform. The terms were 4 months at approximately XXXX monthly I obviosly do n't have that. So I told them I would call back because of not by XXXX that day they are going to take legal action against me. So I called back told them I can not make the payments I ca n't afford it. I was advised that can bring it down to {$110.00} per month. It was the only thing i could do to get them off my back and have them to stop calling and harassing my family. I can not afford these payments, if I made more money maybe I could. But I do n't and I ca n't make the payments at this time. I saw your company on tv and thought I 'd give it a try.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the numerous formal attempt to address this critical matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, I have had a Citi Visa Costco card for about 6 years. My card has been compromised 4 x. This last time, I complained to the company but they just kept telling me they would get me a card soonest. I keep my cards in protectors and do not let anyone else use them. Within days my XXXX XXXX was compromised and I had to get a new card-first time for them. I am very frustrated with Citi. I plan on talking to Costco too. I have had a XXXX XXXX for over 30 years and it has never been compromised. My XXXX card is around XXXX that has never been compromised. I believe that the Federal government passed laws to protect us but does anyone make sure the laws are followed? I overheard a conversation about how terribly lax a major phone company is. Is lack of enforcement the problem? 

thank you for your time and attention
Product: Credit reporting or other personal consumer reports

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

XXXX  XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX : # XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) : # XXXX, XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : # XXXX XXXX CXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX THESE HAVE 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

Mortgage company has not payed my property taxes or my homeowners insurance for last quarter and there is plenty of money in escrow I have now got legal paper sent to me from state for unpaid taxes fined and late fee
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid in full and not in a derogatory status. XXXX has not made an update on this account since XXXX. This account is Reflecting that the last Payment on this account was XXXX which Is XXXX. This account was apart of a multi state settlement and as part of the settlement this account was supposed to be cleared from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry date : XX/XX/2022 In accordance with the fair credit Reporting act XXXX  Account Number XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

I do not have an account, nor have I ever applied for an account.
Product: Debt collection

Received a Settlement Offer. I responded to accept the offer. I sent my credit card information to take the settlement offer. However they never updated my credit report to reflect Paid in Full as indicated in the settlement offer..
Product: Credit card or prepaid card

I normally pay my Milestone Credit Card bill online and or over the phone since I received the card. I have not had any issues with billing or payment until recently, from XXXX to XXXX I paid over the phone until today the XXXX, XX/XX/2022 I logged in and saw returned check fees. I do not have auto pay set up and never do with any of my cards, so I go into the manage autopay feature and it is not on or showed that there ever was one set up. So I called customer service to talk to them about this and all I got was argumentative statements stating I did this. But the thing is that I was still making my payments and did not notice this because they were hitting an account I don't use and don't have access to anymore. I used that account initially to open the credit account but that is it. Now they are fighting me on the charges and will not help when this is not my doing at all. I asked for proof and they said they can not send proof to me. I don't know how or why this happened but I am not responsible for that and the treatment I got was the worst.
Product: Debt collection

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account nor open a account this these companies Following accounts reports fraud inaccurate payment information Along with account being open by me with my permission. .This is fraud XXXX XXXX XXXXXXXX auto loan fraud XXXX XXXX XXXX. Fraud loan not open by me XXXXXXXX XXXXXXXX XXXX {$470.00} fraud credit account XXXX XXXX XXXX XXXX account not open by me XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX fraud account ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Student loan

My student loans were in repayment status from XX/XX/XXXX through XX/XX/XXXX.  I made payments during this timeframe, however, I was told that the payment did not qualify for PSLF because they were in deferment.  This is not accurate.  My student loans were also in repayment status from XX/XX/XXXX through XX/XX/XXXX.  I made payments during this timeframe.  I was told that the payments did not qualify for PSLF because the loan status was deferment. This is not accurate.
Product: Money transfer, virtual currency, or money service

XX/XX/23 made reservations and called Fifththird phone to verify transaction on express checking. I called XX/XX/23 to verify transaction for payment and credit and cancel reservation and the service rep asked me for money amount, instead of verification on Fifththird bank account. I told service rep date merchant and she only asked for amount of money transaction. I then explained what issues the merchant has and the purpose of my verification with Fifththird bank because fraudulent activity has been going on with the bank and my benefits involved with Fifththird bank employees. The service rep was not able to verify XXXX XXXX XXXX, Nor any other large purchases Company name transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$460.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$320.00} ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

CITIZENS BANK the credit limit and account balances are incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not Authorize this account. someone has stolen my identity.

This is a Fraud Account
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to investigate any items that resulted due to Identity Theft. Please find the required documents to assist in the investigation of the erroneous information which is being posted to my report.

According to FCRA Section 605B ( a ), XXXX shall investigate any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Please investigate this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$1300.00} 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$740.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} 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
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block, inc. ) due to inadequate customer service and unfair practices which violates consumer financial protection act ( CFPA ). Cash app failed to take timely and effective measures to prevent and address fraud in their platform leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive as they did not comply with error solutions requirements under the electronic fund transfer act ( EFTA ). These actions have significant inconveniences and financial loss, and I seek redress for these violations.