23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Here are the items I have identified as inaccurate. 

Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA.
Product: Checking or savings account

Key Bank XXXX XXXX XXXX XXXX, NY XXXX by XXXXXXXX XXXX  open an check account with {$20.00} Passpor and XXXX XXXX Bank account XXXX, as identifications. 
I were there in company of someone also .testifiqed.
Product: Credit card or prepaid card

My complaint involves a charge for {$39.00} posted to my DiscoverCard account by XXXX on XX/XX/XXXX. When I noticed it on my monthly statement for XX/XX/XXXX - XXXX XXXX   XXXX, I expeditiously complained to Discover, which rescinded the charge and asked the merchant for an explanation. The merchant claimed it what for a yearly membership in a free-shipping club -- a service ( which I told Discover ) I did not authorize and never used. And a service that I would not want or willingly agree to. On XX/XX/XXXX Discover reversed the charge as a " temporary credit pending investigation. '' On XX/XX/XXXX Discover  put back the {$39.00} charge, and posted it as a " reversal of temporary credit. '' After I complained again, Discover reversed the charge on XX/XX/XXXX as " an adjustment to your account. '' But on XX/XX/XXXX Discover put the {$39.00} change back again, as a " repost of disputed transaction. '' I again disputed the charge but Discover claimed the charge was " valid '' and refused to provide a specific justification or explanation for that finding : no transcript, no documents. 

The credit card company believes the merchant but provides no evidence or explanation about why it believes the merchant or otherwise finds the charge " valid. '' The fact of the matter is, I did not purchase or authorize such a membership -- it is something I would not do. XXXX sells running shoes ; I am not a runner, and am not a regular online purchaser of shoes ( though I have ordered shoes from XXXX XXXX XXXX ). I apparently did order shoes once from XXXX, for my daughter for her birthday or maybe XXXX, but that was over a year ago, and I did not join a free-shipping club. Discover did not provide any evidence that I did join such a club -- an event that would have been fraudulent on XXXX 's part. Discover and/or the merchant claims that I joined a free-shipping club with an automatic renewal. As I said, I would not have done this -- I never choose automatic renewals on anything : not on magazines, not on charitable contributions, not on memberships in professional societies. 

My complaint is against Discover, with which I do about $ XXXX business every month, and which I expect to protect me against mistaken or fraudulent charges. Discover makes rulings -- perhaps because XXXX gives them much more business than I do -- but does not provide me with a fair opportunity to object to a charge that I never consciously authorized.
Product: Debt collection

XXXX is constantly calling My cell and House phone number is called multiple times a day at least 20,  they call all day Saturday and Sunday before XXXX on one Saturday morning, they leave threatening messages threatening legal action in a court case, They call after XXXX pXXXX, I have asked them to contact me in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting me as 120 days past due on XXXX XXXX partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This negative reporting is harming my score. I have disputed this directly with this bureau but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should not be reporting a repossession on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Driver 's License and Utility bill for identification purposes to investigate this complaint. ) The vehicle was sold at auction and sold for more than what was owed. The current balance reporting is false and needs to report {$0.00} balance. This false reporting of a balance and repossession is seriously harming my XXXX XXXX and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 1 ) XXXX  account -is a fraudulent unauthorized account. 
2 ) XXXX bank- is a fraudulent unauthorized account. 
3 ) XXXX XXXX XXXX late payments which was paid on time. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 

i've sent letters to equifax, XXXX, and XXXX on XX/XX/2022. and now on XX/XX/2022 i still haven't received anything in response to the disputes i filed no mail or any updates on the accounts i disputed
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed my XXXX XXXX account # XXXX was reporting inaccurately. I have a late payment for XX/XX/year> that was in fact paid on time. The consumer reporting agencies have a need to report ALL information with COMPLETE ACCURACY. This account has not been late on payments, Ive attached a copy of my consumer report to this complaint. If consumer reporting agencies receive information from the same data furnisher, they should have consistent information. XXXX clearly shows I was never late which is accurate. Im requesting you investigate and provide verifiable proof with records showing that had late payments. If this information can not be verified as accurate, I demand these payments be updated to paid on time IMMEDIATELY. Thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

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

My monthly, 30 year fixed mortgage payment has gone up from {$860.00} to {$970.00} due to an increased amount going to escrow. A small part of that change has to do with an increase in insurance cost ( which is fine ) but the majority has to do with an increase in taxes. While taxes increases can happen, the amount of the increase is primarily due to Imortgage ( website : http : //www.imortgage.com/ ) using the valuation that was given to them from the leasing company and not the most recent appraisal value when giving me an estimated payment amount. In short, they used the valuation from when the previous owner bought the property to estimate my taxes, and since prices went up considerably in that time ( the previous owner bought the house at the bottom of the market in 2009 ). their estimation of my monthly payment is now drastically off. If they had given to me a more accurate estimate of payments based on the actual appraisal, I would never had bought the house ( it is an investment property ) because the costs would not justify the income. I believe what they did was intentionally deceptive in order to push the loan through. I can provide all details and documentation if requested.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit profile and seen that there were unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Feb/Destiny Bank
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item is what i am disputing. 
1. Your in violation of 15 U.S CODE 1605 ( a ) and 15 U.S CODE 1666B XXXXXXXX XXXX Account Number : XXXX Please remove inaccurate late payment for XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate information about a closed account to Equifax and XXXX. The account should no longer be included on my credit report. They are reporting the accounts first date of delinquency as XXXX XXXX. The account was opened in XXXX XXXX for a period of XXXX  months. How is it possible that date of first delinquency is reported XXXX months after the account was meant to close? It seems that they are deliberately providing false information to the credit reporting agencies so that this account remains on my credit report, even though more than XXXX  years have passed.
Product: Debt collection

ONLINE INFORMATION SERVICES, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). ONLINE INFORMATION SERVICES obtained, possess, and used my Personally-identifiable financial information without my consent or legal authority. They are attempting to collect a debt that is not mine. This account is furnished on multiple of my credit reports as a negative item and it has affected me as such.
Product: Credit reporting or other personal consumer reports

I am writing to report that I have fallen victim to identity theft, a situation that has deeply affected my life. My personal information has been maliciously used without my consent, leading to severe consequences. As a XXXXyear-old XXXX man, I feel that the impact of this identity theft is exacerbated by systemic XXXX  within credit bureaus and creditors. Despite the protections afforded by the Equal Credit Opportunity Act, I believe my situation has not been handled with the fairness and urgency it deserves. This identity theft is. preventing me from securing a decent higher paying job, which is essential to meet the demands of the current economy. This situation is forcing me to consider nding another home. or face homelessness due to the inflation impacting the economy. Please immediately remove and delete all fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 a few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Money transfers

I SENT MONEY TO XXXX SUCCESSFULLY FOR THE PAST EIGHT MONTHS BUT WAS STOPPED FOR CONFLICTING REASONS GIVEN BY PHONE. I HAD TO SPEAK WITH OVER XXXX DIFFERENT PEOPLE.
Product: Credit reporting or other personal consumer reports

I am very concerned because my credit reports are showing discrepancies. I am very concerned consumer and want only true information about me reporting and it is also hindering me from getting lines of credit. I have highlighted the discrepancies. Please remove this inaccurate information as you are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my files re reported 3 months too long cant wait no more especially if Im paying on credit builders to report I need a special reporting I can not wait until billing statement I didnt hesitate on my end neither should they. XXXX XXXX isnt reporting an account to Equifax im on month 4 I deserve a special reporting for the inconvenience. XXXX  hasnt updated a balance in months its supposed to be {$480.00} on all XXXX bureaus the only bureau thats correct is XXXX. I have put XXXX screenshots to reference what XXXX XXXX is supposed to look like on all XXXX bureaus. Please report a complete file to both Equifax and XXXX. I was looking to get another home soon and now I cant because my file is messed up no one should have to go through this and wait so long for it to get resolved. Ive wasted so much money buying credit reports checking to see if my accounts and payments would be report and they didnt this is very very unfair and unfortunate. Hopefully this can be resolved.
Product: Debt collection

Rab calls themselves a 3rd party pre-litigation firm here in Texas. They contacted me about a debt that was 1 month old and didnt even get informed that it was going to be in collections until the day after RAB contacted me. Since then they have shown me and my family and whoever elses emails were on my illegally obtained credit report my bank information my addresses credit reports drivers licenses and so on including the original loan documents. All of which I never gave them permission to have and or gave bitty advance permission to share. RAB says by law they are allowed to have that information since its a commercial debt not doing their research and finding out my business is a sole proprietorship. Beyond that some of those emails I dont even know others belong to my family members who they sent all this information to breaking the privacy act disclosing everything about me to XXXX knows who. Intimidating tactics such as threatening UCC-1 liens and seizure of assets telling me how much is in my bank accounts and everyone else in my family as well. Who knows what will happen next considering I dont know who all has my information again cause I dont know have the email addresses on there others belong to my father ( same name ) mother brother sister wife and so on.
Product: Debt collection

I had a Victoria 's Secret credit card and used it twice for my own purchases and paid them off. Then a person I was living with stole my card and charged over {$500.00}. I tried contacting Victoria 's Secret to dispute the charges but they said that they would not because there is no way that someone else used my card. I told them that I refuse to pay a debt that is not mine but they persisted and then after not receiving money for a year they sent it over to collections. I am just now finding out that I can dispute the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called trans union for my credit report. They put a freeze on it. want tell me why. Andbwant send my credit report.
Product: Credit reporting or other personal consumer reports

Failure to Investigate Disputes and Ensure Accuracy in Credit Reporting Complaint Body : I have repeatedly disputed inaccurate and unverifiable information on my credit reports with Experian, XXXX, and XXXX. Despite providing evidence and citing the Fair Credit Reporting Act ( FCRA ), these credit bureaus have failed to comply with their legal obligations, including : Unauthorized Hard Inquiries : Multiple inquiries appear on my report without permissible purpose, violating 15 USC 1681b. Examples include : XXXX XXXX ( XXXX, XX/XX/XXXX ) XXXX XXXX ( Experian, XX/XX/XXXX ) Unresolved Disputes : The following accounts remain on my reports despite being disputed and unverifiable : XXXX XXXX XXXX Simple ( Experian ) XXXX Formerly XXXX ( XXXX ) Systemic Non-Compliance : Experians pattern of " sham investigations, '' as highlighted in the CFPB 's lawsuit, aligns with my experience. The credit bureaus are failing to properly investigate and resolve disputes, reinserting errors, and jeopardizing my access to credit, housing, and employment. 
Desired Resolution : I request : Immediate removal of all inaccurate, unverifiable, and disputed items from my credit reports. 
Confirmation of compliance with FCRA standards for all future reporting. 
A full investigation into the systemic issues raised in my complaint. 
Attachments : Highlighted credit reports ( Experian, XXXX, XXXX ) with disputed items marked. 
Copies of my dispute letters to each credit bureau. 
Relevant responses ( or lack thereof ) from the bureaus.
Product: Credit reporting, credit repair services, 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. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX accounts. I dont have the account numbers because I didnt get them. They arent mine and I dont know why they are on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I have been a victim of a data breach, which compromised my personal information, and the entries detailed herein are fraudulent. 
Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this information blocked from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit card or prepaid card

My ReliaCard account has Pandemic Unemployment Assistance monies in it. 

US Bank, without notice or reason, has deactivated my account.

Despite me following all directions of US Bank to upload to them my drivers license and other documentation, US Bank has not activated my account, depriving me of access to my Pandemic Unemployment Assistance monies. 

Please activate my account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, JPMCB Card Services, Account # XXXX, and 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.

JPMCB Card Services also shared non-public personal information ( NPI ) to consumer reporting agencies which are non-affiliate third parties without providing me with an opportunity to opt-out and instructions on how to opt-out before they disclosed the information. As a result, JPMCB Card Services has violated my right to privacy according to the GRAMM-LEACH-BLILEY ACT ( GLBA ), Section 501 and 502 codified in United States Codes, 15 USC 6801 and 6802 , and codified in 16 CFR 313.7.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX