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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and notice inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, information that is inaccurate, or which can not be verified.

As I am POSITIVE you are aware as a injured consumer. UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to as for any and all of the above and below DEMANDS UNDER the terms of the Fair Credit billing Act of 1975 ( FCBA ).

As the Official notice of my right composed DECLARATION of not proven Complaint main information that is either or all of the following. YOU MUST ANNUL BY REMOVAL of any DEROGATORY and or ADVERSE AND YET unproven claims be it an account or an aspect of that account PLEASE as you MUST, delete the foul mis-reporting and display any and all of my accounts as being PAID/PAYS as agreed, NEVER LATE AND AS NOTHING ELSE ; XXXX  XXXX  : XXXX account is showing 30, and 60 days late, also shows account is being reported as negative by credit reporting agency. 

NOTATION : PER CRSA enacted, CDIA Implemented laws, any and all reporting must be deleted if not proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully XXXX XXXX complaint. 

Provider claims Late Payment yet has not proven even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of, TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to demonstrated TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. 

Unless you can document this not to be correct and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! 

Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Checking or savings account

I wrote a company check paying for products received. The check was written for XXXX on XX/XX/XXXX ( cleared XX/XX/XXXX ) to XXXX XXXX, who uses JP Morgan Chase. When reconciling our account we discovered the check cleared for {$3800.00},  {$1000.00} more than it was written for. The check image on our statement shows someone crossed out the numeric total and wrote that it was keyed for XXXX and marked their Initials. This was not authorized by our company nor were we informed of this occurring. The company the check was written too claims they did not do it so it must have been done by JP Morgan Chase.
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 confidentially under 15 USC 1681. XXXX  Name : XXXX, XXXX XXXX  Name : XXXX XXXX, XXXX XXXX  Name : XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed I had XXXX late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts, so I have included screenshots inside this complaint for XXXX XXXX  in XXXX and XX/XX/2019. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshot attached :
Product: Credit card or prepaid card

I have been trying to resolve a disputed balance with Chase credit card. I filed for Arbitration for disputed amount with XXXX XXXX XXXX on XX/XX/2020 according to Chase credit card agreement terms. Chase did not respond to the arbitration request at all. This is a violation of our credit card agreement. Attached is a letter sent to Chase on this matter by XXXX XXXX XXXX. Chase has to pay the fee and proceed accordingly. If not, Chase should eliminate any disputed balance plus any fees/interests associated with it and reimburse me my arbitration filing fee of {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX multiple times to dispute the fraudulent hard credit inquiry by Citibank and Goodyear that occurred on XX/XX/2019. XXXX  always finds that they can not remove it and I should contact Citibank. I have letters from Citibank and XXXX admitting it was a fraudulent application for credit that resulted in the inquiry and agreed to have it corrected on my credit report but nothing ever happens. This has been going on since I reported it to Goodyear and Citibank on  XX/XX/2019. I am considering legal action against all 3 companies ( XXXX, Goodyear, and Citibank ) since they share responsibility for damaging my credit by continuing to allow the fraudulent hard inquiry to be on my credit report after being notified multiple times to correct it which means they have acted in bad faith.
Product: Debt collection

Second complaint on  Ad Astria Recovery Services.  We have not disputed that they step out of the Federal Credit Reporting Act Guidelines and reach out to speak to a person that I never worded that was my retained attorney I received my private verification from my friend that is a lawyer. The contract that did n't exhibit my true signature for a loan from  XXXX   XXXX . My private information was sent to a person that I did n't acknowledge I gave POA to or retained I did received the information. How di d Ad Astria s end a letter verifying my 30 days on the debt on   XXXX     but placed the actual debt without verification on my report on  XXXX ? Since I have filed this compliant Ad  Astria  has placed this on all  3 thr  ee  reports after violation of the Federal Reporting Act and sending information that they need verification after they placed on my credit report in  XXXX .     I will file in  XXXX   XXXX   XXXX  for fraudulent and misuse of Texas  Debt Act  and violation of my privacy by contacting and sending my personal information to another party.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft. Someone has been using my personal information, and it has been added to my credit report without my acknowledgment or consent.
Product: Checking or savings account

I was referred t o Santander Bank  by a friend and they were offering a  XXXX  for referring a friend to their bank. Also in the mail I received a promotion that if I opened an account they would deposit  XXXX  within 90 days of account opening. The account was opened on  XXXX / XXXX / 2017 . Within 90 days you needed to have a direct deposit of  XXXX  or more and within  3 we eks of the account being opened, a  XXXX  direct deposit was made which satisfied this offer. About 70 days from account being opened I received a  XXXX  gift card since my friend referred me. Now this was something you do on a website and they system notices an account was opened. When I opened the checking account, the banker placed the offer code in for the  XXXX . I recently called the branch and they said you could use both offers which I never was asked which one I wanted. This seems like a scan to bring in business and they you do not get what they promised.
Product: Debt collection

This company Franklin Collection is still reporting this collection account on my credit reports even though this debt was paid in full directly to XXXX XXXX XXXX. Firstly after filing a dispute with the credit bureaus, in XX/XX/XXXX of XX/XX/2020 Franklin Collection posted a debt of {$110.00} to my credit bureau reports 4 times in that one month. This amount was paid directly to XXXX XXXX XXXX and instead of it being removed from my credit, Franklin Collection updated the posting as a collection account, paid in full.
Product: Credit reporting

There are negative items listed on my credit report that are false. I do not owe these companies ( XXXX, XXXX ) any money. I want the negative items removed immediately. I have disputed this information with Trans Union several times, and they have not removed the false information. They also would not let place a statement on my credit report refuting these lies. Why are credit reporting agencies allowed to lie, and I have no recourse against them?
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.

The letters are stated with items and issues.

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 am writing to formally dispute several inaccuracies in the information your company has reported to the credit bureaus regarding my credit account. The account in question is listed under the name XXXX XXXX with XXXX XXXX XXXX the account number XXXX. 

The following details are inaccurate : 1. Date Account Was Opened : 2. High Credit Balance : 3. Date Last Reported : 4. Date of Last Activity : 5. Date of Last Payment : The date of last payment reported is [ Reported Date ]. According to my records, the accurate date of last payment is [ Correct Date ]. 
6. Payment History : The payment history across all three major credit bureaus is incorrect. 
7. Charge-Off Reporting : The charge-off status reported on this account does not align with my records. Under 15 USC 1681c ( a ) ( 4 ), charge-offs must be reported accurately and should not appear on my credit report beyond seven years from the date of the charge-off. Moreover, listing multiple charge-offs on my credit report can improperly extend the statute of limitations for reporting purposes, which adversely impacts my credit score and prolongs the negative effects on my credit profile.

Inconsistency Across Credit Bureaus : If the same information is being reported by your company to all three major credit bureaus, it should be consistent across all reports. Discrepancies in the information reported to each bureau raise concerns about the accuracy and reliability of the data furnished. According to FCRA guidelines, the information provided by a data furnisher must be accurate and consistent across all credit reporting agencies.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I am entitled to dispute inaccurate information on my credit report and request that it be corrected. Additionally, 15 USC 1666b requires that creditors and information furnishers ensure the accuracy and completeness of the information they provide to credit reporting agencies. Furthermore, 15 USC 1681c-2 ( Section 605B ) requires that any information related to fraudulent accounts must be removed if it is proven to be the result of identity theft.

I request that you conduct a thorough review of the disputed information and delete these inaccuracies. Additionally, please provide me with written confirmation once the corrections have been made and notify the credit bureaus to update their records accordingly.

Please respond within 30 days as required under the FCRA. Thank you for your prompt attention to this issue.
Product: Money transfer, virtual currency, or money service

I have a transaction made through paypal that's not coming from me. 
I dont know anybody who are living in DE. 
I made a research about the website and its very expensive sunglasses. 

I told Paypal about it and they answer that nothing is wrong with this transaction. 
I need help Seller info XXXX XXXX XXXX XXXX XXXX : XXXX Transaction ID XXXX Invoice ID XXXXXXXX Purchase details XXXX  - XXXX XXXX XXXX XXXX to MY NAME " Address '' XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX United States
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Apparently I have some bad marks in my credit but I didnt do any of these I dont know how to dispute my issues and Im know my information was stolen and now I cant get these marking off my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XX/XX/XXXX XXXX, XX/XX/XXXXXXXX, XX/XX/XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the XXXX 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 card or prepaid card

Citi app shows for dispute XXXX that a conditional credit of {$1500.00} has been issued while Citi continues to investigate issue. However, it has been many weeks and the credit still has not posted on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the months of XXXX, XXXX, and XXXX I have disputed the same incorrect medical collection 3 times. This attempted collection is unverified and illegal per the HIPPA act of 1996. The collection agency is unable to verify per FDCPA guidelines. Credit union still refuses to remove this inaccurate and illegal reporting from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me with these accounts that are destroying my life. I am a victim of identity theft and when I was XXXX my identity was destroyed and when I came back I been fighting for my identity still to this day with the country I fought to protect for the last 20 years. I was asked to get a police report and a ftc report I obtain both and just seek some help on trying to build my new life back as a retired vet. thanks again
Product: Mortgage

We were in escrow for both the condo we were selling and the house we were purchasing. The closing dates were in XXXX and within a week of each other. The monies from the condo sale were to be used as an substantial down payment on the pre-qualified loan for the house mortgage. A week before the condos escrow closing date our buyer backed out due to family issues. 
XXXX XXXX from Guarenteed rate assured us we could get a different loan then the pre-qualified one. This would require just the savings we had around XXXX $ as an down payment and not the condo sale monies. The mortgage monthly payment dues however were over twice as much as the pre-qualified one and not sustainable for our familys income. XXXX promised before even the first mortgage payment due in XXXX we could recast the loan paying down the principal after the sale of our condo. 
We sold our condo in XXXX and XXXX was out of office for the XXXX XXXX XXXX XXXX. Once he was reachable again and many phone messages left for him, we received a letter from Guarenteed rate on XX/XX/XXXX stating once we wire XXXX $ to them they would recast the loan for a monthly payment of XXXX $ We wired the monies within a week. Once Guarenteed rate received the money XXXX XXXX called to say it was impossible to recast the loan as promised and stated in the letter we received on XX/XX/XXXX. We now can not afford our mortgage payment. XXXX also promised to return our XXXX $ so we could at least afford to pay the inflated mortgage out of that lump sum but in doing that to not go bankrupt we still lose XXXX $ until able to refinance as proposed in XXXX. 
That conversation and assurance that our monies would be directly wired back to us was at least two weeks ago. And then once again suppose to be returned by Friday XX/XX/XXXX. Guarenteed rate has not returned our money and now XXXX is on vacation according to his voicemail where I can not leave messages until Monday XX/XX/XXXX. 

We want our loan recasted with the promised mortgage payment. This is unacceptable that they refuse service promised and still keep our large sum of money.
Product: Payday loan, title loan, or personal loan

Dear CFPB, I would like to file this complaint against MoneyLion INC who acted very dishonestly with my credit report today where they flagged my XXXX XXXX account 30 days past due where 56 points dropped from my credit report and I want it to be clear to them and rectify my credit report right away.l or I am gon na file a lawsuit against them to respect people. They have a very bad product which called XXXX which is a fake product that they use to raise money and destroy people 's credit reports.They allow you to pay XXXX $ With like an installment XXXX $ pay payment, I started this with them where I paid them XXXX $ which is not something I owed them but giving it to them to help build back my credit.Anytime I wan na pay that XXXX $ their billing system doesnt allow me to make my payment and I have real debit card and real bank account information .I contacted them to let them know about the issue but they never replied me, never reply me at all.Today I contacted them again in order to fix the payment issue instead of doing that they flagged my credit report 30 days past due so that means they heard me but they never contacted me to resolve this issue but the fact that they are so greedy for money and have no interest to people, they prefer to report my account 30 days past due and flagged my credit report and dropped 59 and 70 points total.The purpose of this complaint is for them to fix this issue right away which is the billing error and the 30 days past due in my credit report.They heard me but they showed me i am not that important to deserve a reply.They have zero customer services, They never reply text, message and any calls.Their mission is to garnish people credit report and finances.I give them 30 days to get this fix.Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these MERCEDES BENZ FINANCIAL and it has not been corrected. The following accounts are still reporting wrong on my credit report but it is already closed. These accounts have been closed however, the account payment status is 30 days late. The accounts payment status CAN NOT be 30 days late on accounts that has been closed. The account 's status is wrong and should be closed. Now, I want you to correct this misinformation on my file. MERCEDES-BENZ FINANCIAL XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, MERCEDES-BENZ FINANCIAL XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5700.00}.