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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  Account Number:XXXX**** Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Debt collection

To whom it may concern, On XXXX XXXX I received a email from XXXX XXXX  sating I have a collections owned. When I went to log into credit karma XXXX seen collections from diversified adjustment for the amount of XXXX. I do not owe this, this isnt my debt. I went to call them and they replayed its not their problem and try to make a settlement with me. I also called XXXX with no help. I need this removed off my credit report! As this isnt correct and fraud
Product: Student loan

I made payments on my loads during the COVID pause prior to them being transferred from XXXX to Mohela. I contacted Mohela to request a refund and this was processed and sent over to the treasury department on XX/XX/. It has been over the 90 business days that it typically takes to process these requests and I still have not received a refund and no way to track the status now that it has been sent to the DoT. My loans have since been forgiven.
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 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 Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the letter that I mailed to Equifax. 

Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Over the past 3 months I have disputed a second inquiry that Equifax is reporting on my credit report from XXXX XXXXXXXX XXXX  XXXX The last time I tabulated my disputes with Equifax, I counted 7 times that I disputed the XX/XX/2022, inquiry. There may be more, but I got tired of looking. Equifax sent me a canned response for each dispute telling me that they are a matter of record.

Each time I complained to Equifax, I told them that my credit report has 2 inquiries, where there should only be one. I agree that the XX/XX/XXXX inquiry was legitimate. The second inquiry on XX/XX/XXXX is illegitimate and seems to be an error on Equifaxs reporting records. XXXX told me that if they ran my credit within 30 days of the initial inquiry, that they wouldnt report a second inquiry. Look at the dates. XX/XX/XXXX thru XX/XX/XXXX is less than 30 days. 

To make this complaint crystal clear, I have attached a letter from XXXX XXXX XXXX and an email from the dealership, XXXX of XXXX Georgia. Each of them puts the error squarely on Equifaxs doorstep. 

Additionally, I have filed XXXX previous complaints with the CFPB. Equifax delayed their answer ( XXXX ) to each complaint with the standard XXXX indicating that they are not at fault. 

So, with this in mind, I am filing a 3rd complaint with the CFPB in hopes that they can pin the blame squarely on Equifax ; forcing Equifax to remove the second inquiry. 

I am also going to file another dispute with Equifax through the U.S. Mail. Perhaps the canning process of XXXX will end. 

Sincerely, XXXX XXXX XXXX XXXX : CFPB XXXX XXXX XXXX XXXX of XXXX Georgia Attachments : XXXX XXXX XXXX, XXXX of XXXX Georgia email, copy of latest Equifax deflecting responsibility.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  : reported my account late 6 times listed on my credit report, account currently current, information of 6 missed payments posted is incorrect XXXX : Reported as a charge off, I have not received the XXXX  for the span of 2 and a half years no contact was made either, I have noticed they reported a final payment on XX/XX/XXXX however data shows that was inaccurate information, account was closed XX/XX/XXXX, the accuracy on this report is way off, and I would like for it to be deleted. 

XXXX : {$XXXX} collection ; this report was inaccurate I changed my insurance company due to XXXX charging high, they failed to cancel my policy properly when I switched to XXXX XXXXXXXX XXXX company, it was reported as opened XX/XX/XXXX and closed on XX/XX/XXXX which is highly inaccurate I left XXXX XXXX in XXXX and moved to XXXX 

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish a without my written instructions, under 15 USCS 1666b a creditor may not treat a payment on a credit card account under a open end consumer plan as late for any purpose
Product: Debt collection

I file a complaint and I didnt receive any validation of debt. I do know they in violation of 1692c ( a ) they are a third party and I never gave them consent to contact me. Also XXXX XXXXXXXX is in violation of bill error 15 usc 1666d. Also bills and coupons are obligations of the United States pursuant to 18 usc 8. So I dont owe anything to the XXXX XXXXXXXX sent out a coupon.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card or prepaid card

I'm not sure where to begin but ill try and begin at a relevant point, over 2 years ago I wound up in a difficult life position, I needed a new home and I needed new tradelines on my credit profile. I walked into wells fargo bank and asked about getting a credit card. they declined me because no reporting trade lines ... so I opened a secured card, which I was told would be graduated in 6-12 months by the employees of the branch and is some brochures they showed me. 

I have never missed a payment and paid on time for 2 years, ive asked this card to be graduated many times over the last 18 months and each time I was told its automated. when I made deeper complaints I was refered to the office of the president case number XXXX in which I was told I would have the matter settled on no less then 3 occasions over the last 4 months and each person who contacted me and said I will have this complete in 30 days ..never heard from them again then I would respond to the original email, and a new person would tell me they would resolve the matter in 7 days and forth all the up until now 4 months later.. 

they just billed me again for the annual fee because I couldn't graduate or change products because they are fee harvesting me, I am definetly being abused in this situation and I need your help.. 

the greater point is this, I have paid the account to XXXX balance and I need the deposit to pay off another card which is not secured. these other balances are making my utilization appear higher then it really is as I move toward a refinance of my home. hurting my credit score and driving up the expected rate I will pay on a conventional mortgage..so to me there is more at stake then my deposit my wells fargo card number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft, i have been submitting dispute to this company since XX/XX/2020 and i have not get any respond or justification of why this fraudulent account have not been remove from my credit report. no investigation have been made. no proof of any investigation is send as my request. i been totally ignore by this company. they are going against my right. 
see attached policy report letter been sent to this company and proof of my identity
Product: Credit reporting or other personal consumer reports

I have inaccurate information on my credit report that does not belong to me. I filed my complaint with FTC and a police report. I would like the information removed from my credit report. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Debt collection

Hello Im reaching out for a case that I have already filed against Aspen financial. Previous case number- XXXX. 
This is not correct and I do not agree with what Aspen Financial responded with. They sent over information that could easily be auto generated with my information. This is identity theft. I have never opened any account with this company. I have never received any kind of information about this account until XXXX, which I quickly responded to as this took a major hit to my credit. The response from Aspen financial is fabricated and is fraudulent. 
I have asked where did the funds get sent if this was legitimate? Why has this never hit my credit until XXXX  if it was opened along time ago? None of my questions have been answered. Aspen Financial sent over documentation that is fraudulent and not mine. I would like this to be investigated more as this was not me who opened this account. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of any information related to identity theft. 
Accounts to be Deleted : XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$6900.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$190.00} Inquiries to be Deleted : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I noticed that a XXXX  XXXX bankruptcy is reporting on my credit report without my prior consent. It appears that this information was obtained and reported without proper authorization. That is unfair! Obtaining and sharing potentially negative information without prior consent from the consumer is false and misleading. And the information is harming me. I am putting Trans Union, XXXX, and XXXX on notice about the crime and demanding for the unauthorized information to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last several months, I have tried to cancel my account with Experian.com. The last time I called their 1 ( 866 ) number, Iwas informed that my account had been closed. However, they continue drawing {$19.00} from my bank account every month and there is no way to get a human on the line to resolve this problem! 

Very frustrating.
Product: Checking or savings account

Several months ago, our corporation obtained a loan from Banner Bank for our business. They agreed on an interest rate and term and then proceeded to tell me that I needed to have a checking account as well. Not to worry, the checking account was to be free. Fast forward to XX/XX/2023 when they began charging a monthly fee for the checking account. I disagreed and decided to close the account. They have threatened that the loan for our business will increase by 1 % even though the checking account is used in no way to support or pay for the loan.
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 Name : XXXX XXXX Account # XXXX, Account Name : XXXX Account # XXXX, Account Name : XXXX XXXX XXXX  XXXX Account XXXX XXXX, Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX  XXXX  Account # XXXX, Account Name : XXXX XXXX  XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account 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 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: Credit reporting or other personal consumer reports

I have a credit report for bank of america XXXX XX/XX/XXXX that i never did. not sure but someone filled out my info. i know my XXXX  could have possibly done it as i been getting signed up to many things by him and he and my mom have gone thru divorce and he isnt in a good place with me and sister also i have report from XXXX XXXX from XXXX that shouldnt be on there. my fiance used her credit to purchase the vehicle and i had nothing to do with it
Product: Credit card or prepaid card

My previous appeal for you so that you can offer me all the information as to the person you mention to along with the addresses and names of the person or persons asked has regretfully never been achieved. At this point, I am thinking about the lawsuit and also have started the entire process of speaking to legal " suggestion ''.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a separate fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent account consist of a auto loan The account have a fraudulent account appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agency Equifax Consumer name : XXXX XXXX XXXX Social Security Number : XXXXConsumer Date of Birth : XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card XXXXXXXX XXXX XXXX XXXX XXXX XXXX, also inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.The account have resulted in a fraudulent account appearing on my consumer FICO credit report. I've attached a a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer auto loan are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the account identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit card or prepaid card

I see previous complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were closed without notification nor response by company I was complaining to XXXX it too much to ask? 
Capital One has no email to contact, when I phone I spend 10 minutes to give background to customer service and they say they will review and I rarely get reply So when Capital One responds to CFPB with response to close I like to know response
Product: Checking or savings account

On XX/XX/2021, I opened a new Checking Account at Atlantic Union Bank during a promotional period in which a new customer would receive between a {$100.00} and {$300.00} cash bonus after completing qualifying activities. I completed the qualifying activities to earn a cash bonus of {$200.00}, and the bonus has yet to be provided to me. 

On XX/XX/2021, I contacted Atlantic Union Bank via Secured Message to inquire about the status of the bonus posting ( Ticket # XXXX ). I was told by staff in their reply that [ I ] should see the deposit hit the account soon. 

On XX/XX/2021, I submitted another inquiry ( Ticket # XXXX ), where I was told the bank had contacted our product development team regarding the bonus not being applied to your account. As soon as I have a reply, I will message you. Despite receiving no reply or any additional follow up from the bank, the ticket was quietly marked resolved at some point in XXXX. Still, no bonus has yet posted. 

On XX/XX/2021, I re-opened ticket # XXXX by initiating a new reply to the message thread. In the latest response from the bank, received on XX/XX/2021, a customer service agent notes I am waiting on a reply from our marketing group that handles the bonus. They will be reviewing everything and will be getting back to me. I will message you when I hear something! 

As of the time of writing this complaint, no further communication has been received regarding this matter. 

Despite clearly meeting the terms and qualifying activities of the advertised offer, the bank has not provided the {$200.00} cash bonus they promised, and have spent the last 3+ months giving me a runaround, with inconsistent answers, and refusing to solve the issue. 

Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding XXXX, TransUnion, and XXXX for failing to accurately report my account with XXXX XXXX XXXX ( account ending in XXXX ) as " paid as agreed. '' As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I have the right to privacy and control over what appears on my credit report, as outlined in 15 USC 1681. Reporting this account inaccurately violates my rights under the FCRA, specifically 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2, as it misrepresents my account status without my consent. This erroneous report is severely affecting my ability to secure necessary financing to support my business and obtain stable housing for myself and my family. I have previously attempted to notify each credit bureau of this error, yet no corrective action has been taken. Under 15 U.S. Code 1681n and 15 USC 1681o, I am entitled to pursue civil liability for negligent and willful noncompliance, including damages of {$1000.00} per violation. I am requesting the CFPBs assistance in ensuring that XXXX, TransUnion, and XXXX update this account to " paid as agreed '' immediately to reflect the accurate status of my financial obligations. This matter is urgent, as the inaccurate reporting is causing significant harm to my financial stability and quality of life. Thank you for your attention to this issue.