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

TransUnion XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, PA XXXX Subject : Dispute and Request for Correction of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Dear TransUnion Consumer Relations, I am writing to address significant errors on my credit report pertaining to the XXXX XXXX XXXX and XXXX XXXX XXXX accounts. These errors have resulted in misleading and inaccurate information on my credit profile, thereby damaging my credit history and financial reputation. 
Firstly, the XXXX XXXX XXXX account is incorrectly reported as " Open '' when it should be designated as " Charged Off. '' This misreporting violates the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( a ) ( 2 ) ( A ) and 623 ( a ) ( 2 ) ( A ). I demand the immediate removal of the XXXX XXXX XXXX account from my credit report to rectify this violation and restore the accuracy of my credit history. 
Additionally, the XXXX XXXX XXXX account is erroneously reported as " Deleted '' rather than reflecting its accurate status as " Closed. '' This incorrect reporting misrepresents my financial standing and violates the FCRA 's requirement for accurate and complete credit information. I request that TransUnion promptly correct this error and accurately report the XXXX XXXX XXXX account as " Closed '' on my credit report. 
I kindly request that TransUnion takes the following actions without delay : XXXX. Remove the XXXX XXXX XXXX account from my credit report entirely, as it has been falsely reported as " XXXX '' instead of the accurate designation of " Charged Off. '' XXXX. Rectify the reporting of the XXXX XXXX XXXX account, accurately reflecting its status as " Closed '' on my credit report. 
XXXX. Provide a written explanation of the steps taken to rectify these reporting errors and prevent such inaccuracies in the future. 
XXXX. Ensure that my credit report reflects an accurate representation of my financial history, with no misleading or false information. 
These errors have had a detrimental impact on my credit profile, impeding my financial prospects and causing undue distress. I expect a written response from TransUnion within 30 days of receiving this letter, confirming the removal of the XXXX XXXX XXXX account and the correction of the XXXX XXXX XXXX account on my credit report. 
Failure to address these disputes promptly and satisfactorily will leave me no choice but to seek legal remedies to rectify the violation of my rights as a consumer and ensure the accuracy of my credit information. 
Thank you for your immediate attention to this matter. I trust that TransUnion will act swiftly to correct these reporting errors and restore the accuracy and integrity of my credit report. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Unfortunately I may have been a victim of a data breach and may have been a victim of fraud and or identity death. The accounts listed below were never open using my consent or permissible purpose or authority. They were open using my personal private information without permissible purpose the following companies never investigated or made contact with me to validate the accuracy of these accounts Experian, Equifax, and Trans Union along with the creditors are in violation of FCRA federal law, as I was never contacted to validate the accounts mentioned. And you may be held liable pursuant to federal law title 15 USC 1681o and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law Late payments. Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report.

15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legal it must be updated and removed. Immediately 15 usc 1681a 2 a ( i ) 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report ( ) does not include ( A ) subject to section 1681s3 of this title ( ), any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Per 15 USC 1666 ( 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.

The following accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer race. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report.. 
DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX CFR 313.7 opt out notice Per 5 USC 552a, 20 usc 1232 g and 34 CFR 99 STUDENT loans 5 USC 552a 20 usc 1232 g 34 CFR 99 I want the remarks on the these account removed from my consumer report. Accounts DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a account on my credit report which is a XXXX card that Experian is reporting as a charge off and failure to pay certain months. This account is not a charge off as it has been paid in full. Experian will not update my credit file correctly. 

The account is a XXXX card with the address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Experian Address is XXXX. XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I woke up this morning to find incorrect accounts on my credit report, and I dont understand what went wrong. I check my credit report regularly, and its always accurate, but suddenly there are discrepancies that make no sense. I tried refreshing my browser, thinking it might be an error, but the accounts are still there. Please, Im asking for a thorough review of the documents Ive submitted so I can stop living with this constant worry.
Product: Credit card or prepaid card

I reached out to XXXX XXXX on XX/XX/2022 and informed them that I had yet to revive the cash app card in the mail. XXXX did absolutely nothing in helping me get a new card nor did they do anything to protect the missing card from being used fraudulently. On XX/XX/2022 I raised a fraud claim with Cash App relating to several fraudulent charges that were charged to the cash app card. I took the proper steps and got a police report and attached it to my claim as well which had every fraudulent transaction listed on the police report. Causing hundreds of dollars to be fraudulently charged to my card. On the evening of XX/XX/2022 at about XXXX EST I received several emails from Cash App denying every last one of the fraudulent charges and had a statement to me that said Your account will not be refunded for your ( each amount ) transaction at ( each merchant ) because after reviewing your account details, we determined that no error occurred because this transaction was authorized by you, and Cash App XXXX the payment information provided by the merchant. You can reach out to support for dispute documentation at any time. Details in your receipt. I never authorized any of those transactions and Cash App is displaying unethical business practice by lying on me saying I authorized fraudulent transactions. I attempted to email them from the email address they emailed me from. It did not say that the email was a no reply but the email came back undeliverable. They have put that tactic in place so that customers cant contact them after they intentionally deny claims and to stall customers out and so we have no contact after losing thousands of dollars. The government needs to seriously do something ahoy this company! I have a family and cash app has allowed money to be stolen from me and despite XXXX XXXXXXXX XXXX policy, cash app has simply disregarded. They did not follow the chargeback process and they have absolutely no proof about what theyve stated to me because it is not true.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I can not accept the presence of public records on my credit report. It is causing significant anxiety and distress, and I implore you to remove them without delay.
Product: Credit card or prepaid card

Amazon 's store card through syf " bank '' refuses to provide downloadable statements unless you opt out of mailed statements. 

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

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. These items are incorrect and I am requesting that the item be removed. Please reinvestigate these matters and delete the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED INQURIES THAT I DO NOT RECOGNIZE.
Product: Credit reporting or other personal consumer reports

Hard inquiry from Capital one on XX/XX/ that I didnt give permission or recognized Institution Information CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX VA XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX Had my Bank Regions Bank wire XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX Had purchase contract. Shipment bill. Stated would recv truck in 3 days. After no response by Wednesday called Branch to get advise and made an appointment XX/XX/XXXX and filed fraud complaint and stop to get my money back. Rep from Bank was XXXX XXXX and he told someone will contact me in 48 hrs. No call back and call back and XXXX gives me a wire # to call and they tell me I have to have a pin # call back and speaks to manager XXXX XXXX who tells me no updated info and if they got my money back it would be in my account and he said you requested the wire. I told him abt the pin and he said he used his pin and see No updates. So by this time I am so upset with this Regions Bank. Early that week I report to all Federal reserve file a police report and with the FBI.. This is a lot of money to me. Call the bank and no would talk to me leaving messages. So finally Saturday morning on the XXXX of XXXX XXXX XXXX I finally get him and prior to this call I have been trying to call the bank that recvd the wire and I asked XXXX XXXX do you freeze the account and did you notify the other bank and he told me you are suppose to do that. I said I have but I dont use this bank and you also have to have a pin. So I am furious at this point why this bank has not taken proper procedure and top priority on a fraud complaint. I continue to call the other bank that recvd the wire and it was XXXX XXXX XXXX and they finally let me talk to someone in there fraud dept which was very nice. She explained to me that my bank contacts them to advise them there was a fraud wire and and freeze the account which they still can see were money goes.. This is Still the XXXX XX/XX/XXXX now we are 2 weeks in and decided to call another branch to see if I could get some more information on my wire or anything.. So I call XXXX XXXX finally speaks to Manager her name was XXXX and I explain my situation on fraud wire and she says you need to call the branch that did the branch that did the wire. I stated I cant get them to return my calls and I dont thing they know what their doing. I said if your not going to help me then I need the person to speak higher higher up. This is XXXX this is a lot off money to me. She finally said let me call to the wire dept and see what I can find out.. XXXX comes back to me and says they have never received anything and I said no I came into the branch on XX/XX/XXXX and filed my fraud claim to stop wire it was fraud scam and she said again it wasnt stopped! But I will send XXXX XXXX XXXX an email and give instructions what he needs to done and said 2 weeks have passed.. OMG. I did file a complaint to the bank and yet to receive knowledge that even happened..
Product: Credit reporting or other personal consumer reports

I am writing to address inaccuracies on my credit report with Experian regarding late payments inaccurately associated with my XXXX XXXX account. This loan was fully paid off in XX/XX/year>, as accurately reflected on my XXXX report. However, Experian has incorrectly listed late payments post-account closure, which is both inaccurate and misleading. 

Furthermore, during the XXXX pandemic, I reached out to creditors, including XXXX XXXX XXXX and entered into payment deferral agreements as allowed under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. Section 4021 of the CARES Act amends the Fair Credit Reporting Act ( FCRA ) to ensure that accounts modified due to pandemic-related hardships should continue to be reported as current if they were in good standing prior to the modification. Reporting late payments during this period violates these protections and misrepresents the true status of my account.

Under the Fair Credit Reporting Act ( FCRA ), Section 623, and as enforceable by FACTA 312, furnishers of information are required to conduct reasonable investigations into disputes. Additionally, 15 USC 1681i ( a ) ( 7 ) entitles me to a detailed description of the procedures used in your investigation. To date, I have not received any documentation detailing the investigation into this matter, leaving me without clarity on how these inaccuracies have been assessed or justified. 

The inconsistent and inaccurate reporting violates consumer protection laws that mandate maximum possible accuracy in credit reporting. These errors have negatively impacted my financial standing, and I am committed to ensuring this matter is resolved promptly and fairly. I respectfully request a thorough investigation, the removal of the erroneous late payment entries, and a copy of the information used during your investigation process. 

Thank you for your attention to this matter and for supporting my efforts to maintain a fair and accurate credit history. 

please find attached a copy of my XXXX credit report showing XXXX late payments, a letter to experian, my ID, my SSC, my proof of address.
Product: Mortgage

The response to my last complaint on cfpb was sent. by XXXX, to my home. Included were copies of my past interactions with them, as well as XXXX other peoples information! Caliber account numbers, names and addresses. It makes me wonder why has MY information in their hands. I can not believe that XXXX is so lax with the handling of peoples lives.
Product: Credit card or prepaid card

On XX/XX/XXXX I requested payment to be made to my XXXX XXXX via the Bill Pay feature with Global Cash Card. XXXX XXXX stated they've never received the payment, thus causing overdraft and past due fees to be charged to my XXXX XXXX. 

I have made four phone calls to Global Cash Card asking for a copy of the paper check they stated they issued to XXXX XXXX so I can show proof it was received and cashed. Each time the representative fails to understand what is needed. Requests to escalate to a manager is ignored. I have been hung up on, placed on hold and no one returned and my last call I was told they can not provide me with any proof the payment has cleared. 

XXXX XXXX can not locate the payment. GCC refuses to provide me proof. My hands are tied and I have a sinking feeling GCC did not issue the payment, yet took the funds from my account, with in my opinion is theft. 

Payment was {$200.00} requested on XX/XX/XXXX, GCC 's confirmation # is XXXX, status reporting as cleared. 

I am at a brick wall and need assistance because I can not afford to lose {$200.00}
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 violates the consumer financial protection act ( cpfb ). 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 Regulations E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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 has 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

I had applied for a XXXX account a few months ago. Upon checking my credit report with transunion it shows 2 inquiries instead of 1 both on the same day. Having an extra inquiry on my report does not help my credit score. There was only supposed to be 1 inquiry not 2
Product: Credit reporting

Equifax reporting agency had failed ( numerous times ) to correct information on my credit report despite the fact that I had submitted supporting documents substantiating my claim recently and in the past FOUR years. Upon my requests to provide me with details of their investigation, source of their investigation and/or any documents pertaining to their decision not to change incorrect information containing therein or to adjust my credit score ... I get negative response and refusal to do so. 
Having incorrect information on my file affects my credit score, causing denial of credit and employment ... thus negatively impacting my life. 
I respectfully request your assistance in resolving said issue. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received credit report. The amount owned and what I paid on the credit report is inaccurate. 

The amount is lower and what I should have paid what XXXX has submitted to the credit bureau. What XXXX asked during foreclosure and pay off was over XXXX more than what I should have paid. 

XXXX XXXX states one thing on the Credit Report but request a larger amount during payoff. 

XXXX XXXX manipulating facts as usual. 

XXXX XXXX never contacted me regarding settlement of the XXXX XXXX dollars for customers past and present. 

The worst is the confusion of the whole mess starting in XXXX or XXXX when XXXX XXXX bought XXXX out and when my account split. No major explanation was given until it was to late. Customer Service was ill informed from CEO 's and Board which they informed the customers. 

Experian : XXXX the account # XXXX is a medical bill from XXXX. {$1200.00} goes back to XXXX. Why is it still on my credit report. Changing dates and manipulating the dates. This needs to be removed immediately
Product: Credit card

When I see the pre-approval notice for a Verizon Visa Card on Verizon website, I selected " Apply Now '' and it asks for the last 4 SSN and phone number, texts a security link, and then after clicking it, it says : " Our records indicate we have previously received your application. At this time you may not resubmit your request. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  for account number 1.Department of Education acct XXXX XXXX XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX. XXXX acct # XXXX Has violated my rights 15 USC 1681 section 602a states I have the rights to privacy 15 USC 1681 604a section 2 consumer reporting agency can not purchase account without my written instruction.