23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Transunion, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Debt collection

I took my daughter out of this XXXX and they continued to charge me. In addition to them checking her in on days she did not attend and I emailed director about it but no one ever responded then the center closed due to staffing issues. I cant talk to anyone there because the center is now closed and they changed staff in our short time being there. I do not owe anything and I want all credit bureaus updated. 

I let XXXX know in person first about my daughter not coming back then emailed them later on. You will see in the attaches that I messaged them about them checking her in on days she didnt attend and they never responded and now they reported {$350.00} owed and I dont owe anything.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls undeXXXX XXXX according to XXXX XXXX XXXX XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : Please delete the 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
Product: Credit card

On XX/XX/2023 a payment to the capital one credit account was returned by the bank in error. Capital One credit reported the payment as late. This was not the case, The bank provided a letter and I provided it to capital one stating it was an error therefore the payment was made on time.
Product: Bank account or service

After multiple attempts through calls and internet, from an unverified number Frauders were able to social engineer ( with a sin and zip code ) a USAA employee in to allowing access to my accounts. The Frauders were able to get thousands of dollars and my families personal information and even though USAA know it 's fraud ( this same event happened a ton of times ) and they were at fault. I was not alerted or contacted by USAA of the failed attempts on my account. USAA failed to place process and procedures and training to ensure that this ever happens again. Even this morning, the verification process did n't happen and I was able to speak to someone about my account and a manager about my account with out security questions even though my accounts are on high alert. These repeated failures continue to led to this same act of fraud.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/XXXX {$25.00} XXXX XXXXXXXX XX/XX/XXXX {$140.00} XXXX XXXXXXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXXXX/XX/XXXX {$110.00} XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXXXXXX XX/XX/XXXX {$2200.00} XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$530.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$490.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$160.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

unable to check credit report & also noticed inquiries on credit report i never approved
Product: Money transfer, virtual currency, or money service

I sold XXXX XXXX of XXXX through XXXX on XX/XX/2018. The estimated payout was XX/XX/2018. I still have not received my money. Have called numerous times sent emails nothing. All they say is they are investigating it and have put is a high priority to a specialist. They are not giving me any reason why I haven't gotten my money back. This is the first time I have sold this and worried it is a scam and not going to get my money back. As far as I'm concerned that have stolen my money.
Product: Mortgage

I contacted Nationstar Mortgage LLC d/b/a Mr. Cooper. Mr. Cooper regarding my Escrow calculation.

They are increasing my amount for insurance Hazard. Even though we pay for insurance separately. The Escrow account should be ONLY for the town Taxes. 
When I contacted them on XX/XX/XXXX they told me they would send me a letter with the adjustment amount. Instead they send me a letter stating that my Escrow account will be closed and they would not pay tax portion either. 
On XX/XX/XXXX we informed them that we want to keep Escrow account open out of concern that they would force us to Pay for insurance imposed by them, even though we have provided proof of insurance on their Website.

According to them they are not able to Reinstate Escrow only for Tax portion they have to re-instate for bot Taxes and Insurance and start the process all over again, with the aim of collecting potential late fees and holding money in Escrow that they do NOT pay for.

" If you fail to pay any of your property costs, we may ( 1 ) add the amounts to your loan balance, ( 2 ) add an escrow account to your loan, or ( 3 ) require you to pay for property insurance that we buy on your behalf, which likely would cost more and provide fewer benefits than what you could buy on your own. ''
Product: Money transfer, virtual currency, or money service

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

The resolution provided was not acceptable and did not meet the request. My score was reduced by XXXX points without explanation. There was nothing reported " new '' that would have cause for a XXXX point drop. I requested what was reported, but there was " nothing '' new reported to cause a substantial drop. I called FICOS as they mentioned to do and again they confirmed only a substantial drop would occur if something was negatively reported. Since nothing was reported on my credit report and their agents also confirmed that they saw nothing, and it maybe an " accident " I need confirmation of what was actually reported to cause the decrease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/XXXX, my husband and I contacted XXXX XXXX XXXX to start with credit repair services. They stated it would be $ XXXX, per person, but did not disclose how many months it would take to finish the case. So we started the process, paying $ XXXX for both my husband and I to do this in hopes that by this spring ( XXXX ) we would be ready to purchase our first home. We were sadly mistaken. It has been 6 months now and we have seen minimal, if no, progress at all. They would send us emails stating that certain things were removed from our credit report, only to find out months later, that it indeed was not. The biggest thing was our bankruptcy from XXXX. They stated that it would be an easy fix to get removed. In XXXX, we were sent an email that it indeed had been removed. Looking at our full credit report this month, it was NEVER removed. So we were paying for services, that they said were happening, but were not. We paid a total of {$1500.00} to XXXX XXXX and it only hurt our credit more. This has been a very upsetting process and the loss of the monies that we spent have been even more upsetting. We were promised a certain service and it was not provided and paid a lot of money for the services not rendered. We have since canceled our services ( which was not an easy process and they said they were still going to charge us again in XXXX for another month of services that were not rendered. I told them I would not be paying them in XXXX and they stated they will withdraw it from the account on file, which I did not authorize ) in hopes that we can repair our credit ( and the damage that they did to it ) on our own or with another company. The fact that they did not disclose how long it would take or how much money we would be paying, is falsifying to their customers. I will attach all the letters from XXXX XXXX and can provide our credit report to show that these were not in fact removed, if needed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report.

The

Consumer Reporting Agency states my account was properly investigated however how is that possible if the open date is inaccurate, the date past active is inaccurate, inaccurate balances, reporting late payments, not reflecting on all accounts. My rights were violated under 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2 States A Consumer Reporting Agency can not furnish an account without my written instructions.
This is grounds for removal and I would appreciate it if these accounts are deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

You are in violation of 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I have notified XXXX, XXXX, and XXXX that the following account is reporting inaccurate. 
The terms on the following account is invalid. The payment summary is incorrect and the following account is no longer reporting to all XXXX credit reporting agencies it is only now reporting to one.
Product: Checking or savings account

I had a cash app account which was closed for no reason never was actually able to get in touch with an agent
Product: Credit reporting or other personal consumer reports

I would like to follow up on the status of the accounts listed below, which are reported by TransUnion & XXXX agency : XXXX XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX  XXXX As you may be aware, most of these accounts have already been deleted from XXXX 's records, Now, since these Consumer Reporting Agencies does rely their information from the same furnisher for each account, I assume that they should have access to the same updated information as XXXX. 

I am requesting that they must delete the inaccurate accounts that were previously reported by their agency, as they have been deleted from XXXX 's records.
Product: Checking or savings account

A check was written to pay for day care services for {$600.00} I signed the check the same way I sign every check. The check was returned due to an invalid signature. The signature is the same signature as other checks that paid recently and the same day. No one reached out to me to ask if it was valid. Spoke to client esacalations and played phone tag with rep. Called back and got a different rep and he said there was nothing he could do to cover the {$25.00} charge that I am being assessed by the payee. This is  PNC 's fault. PNC needs to pay the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. Now I have multiple accounts on my credit report that keep my score down I have reached out multiple times to have the issue resolved and the 3 credit bureaus have a hard time correcting/ fixing this issue. This is unethical as I have filed a police report and followed all protocols to try to resolve the issue. However, the credit bureaus choose not to clear this matter up. 

Listed below are the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I found an unauthorized inquiry on my credit report, and I don't understand why it's there. I regularly check my report, but today I noticed something unusual. I attempted refreshing my browser, thinking it might be a temporary error, but the unauthorized inquiry remained. This is causing me a lot of frustration, and I need this issue to be addressed immediately by thoroughly reviewing the documents I have provided.
Product: Credit reporting

I ran my credit report through TransUnion on XXXX XXXX, XXXX and noticed that my XXXX XXXX XXXX was scheduled to be removed from my credit report on or around XXXX XXXX. I ran my credit report again on XXXX XXXX, XXXX and notice that the date of the removal changed from XXXX XXXX to XXXX XXXX. I disputed this discrepancy online and through customer service and bought it to their attention that they re-aged my account which is illegal. I waited until I receive their official investigative results in which they kept the XXXX XXXX date of removal. I spoke to XXXX XXXX who could n't explain why the date of removal was changed. I was then directed to XXXX Bank in which I had the WORST experience I could ever recall in my adult life! The representative told me the information was correct on my credit report, that the information from my XXXX report was incorrect and that there was nothing I could do about it. I am attaching proof of credit report ran on XXXX XXXX and on XXXX XXXX to show the discrepancy. I also plan on filing a complaint with the Attorney General because they should not go unpunished.
Product: Credit reporting or other personal consumer reports

I am requesting a Reinvestigation for the inaccurate public record account # XXXX, date XX/XX/year>. Which was previously disputed with the CFPB dispute # XXXX with LexisNexis Risk Solutions XXXX XXXX XXXX The public record named above is in violation of XXXX XXXX ( i ) XXXX because this inaccurate public record came back verified In fact I will attach a letter from the furnisher of the public record stating that they do not verify any public information with any credit reporting agencys. Please provide me the following information : XXXX. The names and business addresses of each individual with whom you verified the information above, so that I XXXX follow up. 
XXXX. The method of communication you used to verify the information. 
XXXX. The date you contacted the individual furnishers of the information. 
XXXX. Provide all documents Proving inaccurate account information was indeed accurate. 
to my current address on file within 15 days. Or delete inaccurate public record from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XX/XX/XXXX to dispute information, regarding over 45 hard inquiries for XXXX 25 for Experian and XXXX for XXXX that was placed on my credit reports. They received the letter on XX/XX/XXXX. They completed the request XX/XX/XXXX. The request I submitted was over 45 ( XXXX ), 25 ( Experian ),  and 20 ( XXXX ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called XXXX to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact Experian or XXXX  fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, XXXX, and Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts and hard inquiries that were opened and made without my authorization. Specifically : XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX , account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX, account ending in XXXX, XXXX, and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
These fraudulent accounts have resulted in several unauthorized hard inquiries appearing on my consumer credit report, including but not limited to : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts, collections, and hard inquiries are the result of identity theft and fraud. I do not recognize the aforementioned items on my consumer credit report maintained by XXXX, XXXX, and Experian. All of the aforementioned items were not opened, made, or initiated by me.

I have attached a copy of my FTC Identity Theft Criminal Complaint ( case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.