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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I transferred {$1100.00} from my XXXX  checking account to American Express National Bank XXXX XXXX XXXX. 

American Express National Bank is holding my funds and refuses to close my account. They are refusing to return the funds to XXXX. 

They have cancelled the connection to XXXX without my authorization. They told me XXXX should " recall the funds ''. 

XXXX  said they have no idea what American Express is talking about. XXXX  said American Express should return the funds if they suspect fraud, and that American Express should not hold onto the funds.

American Express also lie and say they never received a fax. I attach proof that the transmission went through. They refuse to process the fax.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 personal credit card account XXXX  XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX open on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a personal credit card account opened at XXXX card services on XXXX XXXX under the account number ( XXXX ) a personal credit card account opened at XXXX card services on XX/XX/XXXX under the account number ( XXXX ) a personal credit card account opened at XXXX card services on XX/XX/XXXX under the account number ( XXXX ) a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a personal loan account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ) a personal loan opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX account number ( XXXX ) a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of ( {$46000.00} ) a personal credit card account opened at XXXX card services on XX/XX/XXXX under account number XXXX that appears related to the aforementioned These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a maintained by you which shows the aforementioned fraudulent items I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private 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.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card

I have a credit card with Bank of America that i have been trying to pay off for years. I have XXXX tiers of balances:1 ) Purcahse@7.24 % interest2 ) Direct Deposit and Check Cash advances@14.99 % interest3 ) Bank Cash Advances@19.24 % interest. 
I made the minimum payment of {$170.00} for XXXX 2015 that was due in XXXX 2015 on XXXX XXXX, 2015. I also made an additional payment of {$1100.00} to clear up my Bank Cash advances balance of {$1100.00} that had the highest interest rate of 19.24 %. The total payment made on XXXX/XXXX/2015 was for {$1300.00}. 

When I received my XXXX statement after making the minimum payment of {$170.00} as well as the additional {$1300.00}, which should have cleared up my " Cash Advance '' balance, the statement reflected a balance of {$320.00} under the Cash Advance tier. 

In addition, the second highest interest rate tier balance, Direct Deposit and Check Cash advances, went from " balance subject to interest rate '' of {$1500.00} in XXXX 2015 to {$1600.00} in XXXX 2015. How can my balance grow if I made the minimum payment AND paid an additional amount. This brings into question all of my past billing statements with Bank of America that I have not reviewed as carefully. I would like a full review of my payment history and balances by the bank for the past 5 years. I do not trust that tehya re billing me accurately and fairly.
Product: Debt collection

Franklin collection shows I owe {$1300.00} on an account opened on XXXX for north Mississippi ambulatory. I was not even living in north Mississippi at the time this account was opened.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to MyEquifax, which is the company and website that manages credit reports for the credit bureau called Equifax. Since XX/XX/XXXX, I have noticed that my MyEquifax profile was locked, even when putting in the correct username and password, even when using the " reset password '' feature on the website and putting in all the correct identifying information, when I do this it prompts me to call the customer service phone number for My Equifax, XXXX. 

I have called the number, it always takes one hour or 1.5 hours on the phone to verify my identity, which I do successfully every time. I have asked for my online access to be restored during every one of these phone calls, I have talked to them on the phone on 11 separate occasions during the months of : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XX/XX/XXXX Every single time they tell me they have submitted my request to their IT department. And every single time I am still locked out of my account. 

I received an email from XXXX from Equifax Customer care on XXXX XXXX XXXX saying my online access has been restored. Unfortunately, this wasn't true, nothing was done about my online access by Equifax and I am still can not get into the online portal with my correct credentials.

This has causes me great harm and delays in monitoring my credit and obtaining credit products that use the Equifax bureau. It is absolutely inexcusable for any firm to take more than 11 MONTHS to resolve a simple matter such as restoring online access to their portal.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under XXXX XXXX XXXX XXXX liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission ).
Product: Mortgage

My mortgage was sold from XXXX to Loancare XX/XX/19. Loancare processed my XX/XX/19 payment but has not posted my XXXX - XXXX payments. XXXX XXXX  has sent twice proof of payment but Loancare has not responded. The XXXX has sent a complaint to them but with no response. From all the other complaints on the XXXX website, I think this company is involved in mass deception and fraud. 
I can not get through to anyone person who is handling the case. There are letters coming to me but no person, email or extension that I can contact. 
Is this another company who will be claiming bankrupcy with our money? 
please look into this
Product: Debt collection

I received a collections notice from XXXX  XXXX, XXXX for XXXX. On XXXX XXXX I sent a certified return receipt letter advising that I was disputing their claim. I also requested validation of the debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I requested a response to provide me with a list of items stated in my letter within 30 days from the date of receipt. I never received a response from my letter.

They are in violation of the Fair Debt Collection Practices Act and Defamation of character. They continue to report invalidated information to the three credit reporting agencies. I consider these actions fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXtated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inaccurate adverse accounts that are negatively impacting my livelihood.
Product: Debt collection

I have sent 3 certified letters requesting validation showing my signature or contractual obligation to them and they ca n't seem to do that so I requested they remove this negative from my credit report and they refuse. This bill shows a date from 2010??
Product: Debt collection

XXXX are trying to collect a debt which I do not owe. They are trying to collect a debt under two different account for the same company. I told the company that all debts and claims for XXXX has been fully resolved. They closed the 1st debt for this company however they are refusing to closed the other debt they claimed I owe for the same company. I sent a dispute letter on XX/XX/XXXX requesting further verification and proof within 30 days, today XX/XX/2016 I still have not receive this from the debt collector or confirmation that it has been closed.
Product: Credit reporting or other personal consumer reports

I have requested an initial reinvestigation of the XXXX XXXX XXXX accounts listed above due to the furnishing inaccurate and incorrect information on my consumer report. Your company has been put on notice for furnishing incorrect and inaccurate information. I have sent you several requests asking your company to cease and desist on reporting inaccurate information on my consumer file. I have enclosed my previous letters showing you that the information you are reporting is indeed inaccurate. Reporting this inaccurate information has caused damage to my reputation, my character, and my general ability to obtain credit for myself or my family. Pursuant the law listed below, the reporting of inaccurate information is prohibited by law. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) 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.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Accurate definitions The term accurate means free from error or defect ; consistent with a standard, rule, or model ; precise; exact.

free from error especially as the result of care Accurate information, measurements, and statistics are correct to a very detailed level.

free from mistakes or errors In conclusion your company has been put on notice that you are reporting inaccurate information. I have enclosed several documents showing that this information is inaccurate. The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. This is a final opportunity to CURE and DELETE this inaccurate account from my consumer report. Also failure to comply will be a violation of 15 U.S. Code 1681n Civil liability for willful noncompliance.
Product: Credit reporting or other personal consumer reports

TransUnion failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against TransUnion alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. Those failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate corrective actions to remove or am en d the disputed accounts TransUnion inactions violates Federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX XXXX  I received a request for XXXX from a person perpetrating my brother through messenger. They asked to borrow XXXX and will pay me back. It show me a picture of my brother in the bed with a blue do rag on. That did not appear to be uncommon for my brother, because that is what he wear all the time. My brother XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX that almost took his life so I really felt he could possibly be in need of money. They asked for me to send it to a XXXX XXXX which is his wife XXXX family name so I didnt think twice about it. I sent the money and then call him to see if he received it but when he did not answer, I called his wife. I explained what happened and she said my brother was at work and they do not have a XXXX XXXX in their family and do not know who that is and I have been scammed. I immediately contact Cash App Support, and was given the runaround. The support chat advise me to contact block law enforcement response team. I contact them and was given a confirmation reference # XXXX  I also notified my XXXX XXXX Sheriff Department XXXX XXXX XXXX on XXXX XXXX my @ XXXX and spoke with XXXX XXXX and was given case # XXXX  - XXXX and assigned Investigator XXXX XXXX. Investigator XXXX submitted a subpoena to Cash App MessagesLaw an enforcement portal on XX/XX/2023 waiting for a response. I called today XXXX XXXX for an update and was told he submitted a 2nd subpoena.
Product: Mortgage

I have atempts on different ocasions to get a mortgage loan modification from SLS, LLC. I submitted a loan modification through XXXX XX/XX/XXXX and I received no response from SLS, LLC. Once again I attempted to file another loan modification on my own, I sent all the documents that SLS, LLC requested and I did not get a response. XX/XX/XXXX I filed another loan modification through XXXX with no response from SLS, LLC. I received letters from SLS, LLC stating that I was assigned a representative but every time I would call SLS, LLC I would get a different person that offered very little assistance if any at all. 
Since I was not able to get a loan modification SLS, LLC started to foreclose on my home. I had to hire an attorney and file chapter XXXX bankruptcy. I now pay {$2000.00} for my mortgage and another {$1200.00} to a trustee for 60 months. I have been paying this since XX/XX/XXXX and these payments have put a financial strain on me.
Product: Checking or savings account

I was frauded by cash app. This last week I had funds in my cash app set to the side specifically to pay my rent. I was waiting for my check to clear so that I could pay rent & pull the remainder out. On XX/XX/XXXX I went to use my card only to find out over {$1200.00} had been spent without my authorization. There was 3 separate transactions in the amounts of {$270.00}, {$500.00}, & {$430.00} with XXXX. I immediately reported the card stolen & reached out to cash app. I was issued a new card & was told to try & call target to have them cancel the transactions. XXXX told me there was nothing they could do, so I needed to call cash app & wait on them. XX/XX/XXXX I woke up to yet another transaction being withdrawn, even with {$0.00} in the account, this time in the amount of {$500.00} from the card they had just issued, which I have never even used. I then XXXX that card & again reached out letting cash app know there was fraud being done. Once the card was XXXX I really was able to see there was little to no customer service available to me. I filed a police report and filed a complaint with the XXXX  hoping to get someone to help me with getting my money back. This same day there was an attempt of {$460.00} which was finally declined! The next day, XX/XX/XXXX, I had woken up with another {$270.00} & {$430.00} being successfully charged to my account. This placed me in the negatives. After reaching out again for assistance I received nothing. I then had my pending check in the amount of {$780.00} cleared & then applied to the negative balance. This has left me with {$0.00}, 0 answers, & still a negative balance. Cash app has done nothing to assist me in getting my money back or letting me know the status of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown account XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$1100.00} Past Due Amount {$1500.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone XXXX XXXX XXXX XXXX Contact Address XXXX XXXX XXXX, XXXX, DE XXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request Pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) That you, The TransUnion XXXX and XXXX Credit reporting agency, Block information Appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this report. This fraudulent, inaccurate and false information consist of personal credit card accounts, Hard inquires, Installment loans and an auto loan, wrong personal information. These Accounts have resulted in collections and hard inquires being reported on my Consumer fico credit report. I have attached a list of every fraudulent item also i have attached a copy of my full credit report from XXXX. which shows all aforementioned fraudulent items. I do not recognize the aforementioned accounts, Collections or hard inquires as reported. the aforementioned accounts collections or hard inquires maintained by you on my credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts collections and hard inquires are all a result of identity theft and fraud. I have attached the copy of the FTC Identity theft criminal complaint # XXXX as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned consumer credit accounts, collections, and hard inquires are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I've noticed that XXXX, TransUnion and XXXX are reporting inaccurate information that is damaging my credit score. the following hard inquires on my credit report are inaccurate reporting XXXX  XXXX inquiry date XXXX, XXXX XXXX, XXXX XXXX  inquiry date XX/XX/XXXX and XXXX inquiry date XX/XX/XXXX.