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

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/XXXX ]. 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. Please see screenshot attached. inaccurate data reported. 15 U.S. Code 1681e
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, OK XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX  Balance : {$570.00} AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I trust this communication finds you well. I am writing to express my deep dissatisfaction and ongoing concern regarding the multitude of attempts to rectify the presence of fraudulent items on my credit file. Despite my numerous submissions, supporting documentation, and repeated efforts to address this matter, the fraudulent items persist, causing significant distress and financial harm. 

I initially reported the fraudulent activities and promptly followed your established dispute resolution procedures, including providing necessary documentation and filing a police report. However, it is disheartening to note that, despite my commitment to cooperating with your process, the fraudulent items continue to tarnish my credit history. 

Enclosed with this letter, you will find copies of all my previous dispute letters, supporting documentation, and relevant correspondence submitted during my repeated attempts to rectify this situation. The continued presence of these fraudulent items on my credit report is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also severely impacts my financial well-being. 

I urge you to conduct a thorough and expedited review of my case and take immediate action to remove the fraudulent items from my credit file. The prolonged resolution of this matter is causing undue stress and adversely affecting my ability to secure credit on fair terms. 

I kindly request that you provide regular updates on the progress of the investigation and a timeline for the resolution of this issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/2022 XXXXXXXX XXXXXXXX XXXXXXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX Balance Owed : XXXX.
Product: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

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

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Fraudulent Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I had an account with XXXXXXXX XXXX  XXXX XXXX. I fell behind in making payments. I had a past due balance of {$1900.00} as of XX/XX/XXXX. I was finally able to make payments again starting in XX/XX/XXXX. XX/XX/XXXX, I was served with court papers that I was being sued by Midland Funding LLC for this account and that I must make a court appearance on XX/XX/XXXX to defend myself. In the meantime, I completed paying off this debt to XXXX XXXX   XXXX/XXXX XXXX on XX/XX/XXXX ( overpaid on the account - paid {$2000.00} ). I waited 1 week to give everyone time to process the transactions and then sent Midland and the lawyer named on the court documents a letter stating that the account has been over-paid in full and to please dismiss the law suit. I provided a statement from my bank account, with claim numbers, showing the amounts paid and the dates the payments were made.Payments on the account began before the lawsuit was filed and was partially paid off by the time I was served with the court papers. 

When I came home from work on XX/XX/XXXX, there was a letter from Midland Funding stating that a lawsuit was filed against me and that I had until XX/XX/XXXX to respond, 5 days AFTER I must appear in court to defend myself, which seems like a way to mislead me into allowing a default judgement against me. I contacted the number on the letter and spoke to an operator who stated that they did receive {$1300.00}. I reviewed the payment dates with her. She said she was unable to locate the additional payments in their system and it may take a few more days for the remaining funds to be transferred to them. She asked me to email her a copy of my statement showing the payment dates, amounts, and claim numbers, which I did. They told me they would call me back, which hasn't occurred. 

On XX/XX/XXXX, I received the postcard back from their lawyers office showing that they received my letter. On XX/XX/XXXX I received back the letter to Midland that the post office is unable to locate the address listed. The address used for Midland is the same address used in the court documents, which I find odd that the post office is unable to locate this business. Nothing has been done to dismiss this lawsuit. This debt has been over-paid in full. All payments were made the exact same way, which means if they received one, they received them all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaacurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any prroof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning Ms. or Mr., I am currently in the XXXX  and purchased a XXXX  at the military exchange on XX/XX/XXXX. It was on promotion that offered 0 % interest and no payment for 12 months. 
Considering my credit utilization and income-to-debt ratio, I took the deal because I would have more room to make a monthly payment by the time the payment starts. 

I noticed that the full balance was outstanding and it says I missed the payment due in XX/XX/XXXX. I called the customer center and they said there was nothing they could do, but they admitted that I was right on the promotion. They said the reason I was delinquent was that I did not stop auto-payment which I set up to prevent late payments since the day first I had the military star card. I wanted them to confirm the promotion in the time frame where I purchased the laptop and the manager at the customer center emailed me with the information ( Please, see attached ). However, the balance was still outstanding, and eventually, it started hitting my credit record. 

I remember I called them back in late XXXX or early XXXX and told them that it starts hitting my credit record and I want you to fix and stop reporting this. However, they told me to reach out to their headquarters which I did, and haven't had anything back from them ( Please, see attached ). 

Now, all three credit bureaus were reported and I am delinquent. 
As you can see on my credit reports, I have never missed any payments. I know what and how I spend my money and this is unfair for a customer to spend time and effort disputing and be suffered mentally. 

I wish you can help me to recover my credit reports and scores, and stop AAFES to report false information about my credit disciplinary. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the rights to privacy and did not give Equifax written permission to furnish these accounts. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : XXXX, Account name : 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. 16815-2 ( 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, credit repair services, or other personal consumer reports

Hello, I am writing to share my experience with Equifax since they announced the breach of millions of consumer 's personal information. Equifax established a partnership with a company called TrustedID. The websites for Equifax and TrustedID are constantly down. The TrustedID website looks like a high school student designed it, which does not instill confidence and looks like the company is putting zero effort into resolving this for consumers. 

Today, I received a text message from Equifax/ TrustedID saying their was an issue on my credit report and I should call the number provided. I have been on hold for 45 minutes with no indication as to when my call will be answered. The website provides no information as to what is going on. 

I know numerous people who are affected by this but who wo n't file a complaint. Please know that Equifax 's entire response to this breach has been pathetic and all consequences have fallen to the consumers they let down. They are providing a year of identity theft protection for a lifetime problem, and to make matters worse, they used a program that is not easy to use, never loads, and with a phone number no one answers. 

Please hold them accountable. Thank you.
Product: Credit reporting or other personal consumer reports

I am reaching out to address an issue regarding an account that appears to be erroneously linked to me as an authorized user. In light of this, I am exercising my rights under the Fair Credit Billing Act ( FCBA ) to demand a comprehensive investigation into this matter. 

Account Information XXXX XXXX XXXX  Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts I request a detailed record of all transactions related to this account, encompassing charges, payments, and any adjustments. Access to this information is essential for confirming the inaccuracy of the account 's reported association with my financial identity. 

If you are unable to provide the necessary documentation within 30 days of receiving this letter, I respectfully request that this account be removed from my credit reports with all reporting agencies. Such a measure is in line with your duty to ensure the accuracy of reported credit information. 

Thank you for your immediate attention to this request. I am eager to see this issue resolved swiftly and am hopeful for your prompt cooperation. 

Kind regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a
remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX
Product: Credit card or prepaid card

For the last six months I have changes the bank account to a different Bank account making difficult for paying my credit card due to Bank of America refuges the payments from XXXX, I do not at that time why Bank of America did not accept the payment?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a fraudulent collection account added to my credit report by XXXXXXXX XXXX XXXXXXXX. Recently, I contacted Experian to dispute this collection ; however, I was only able to add a fraud alert due to the automated system. The automated voice system disconnected my call several times, preventing me from speaking with a live representative to resolve this issue. 

This collection account is fraudulent and should be removed from my credit report immediately. I filed a complaint with XXXXXXXX XXXX XXXX regarding this account, as it was opened as a result of identity theft. After reviewing the evidence I provided, XXXXXXXX XXXX XXXX agreed that my claim of fraud was valid. They confirmed in writing that they would remove the tradeline from my credit report. 

Despite this agreement, I now see that both Experian and XXXX have added this account as a derogatory item on my credit file. Based on this trend, I anticipate that XXXX will likely add the account as well, which will further harm my credit standing. 

I have saved the letter from XXXXXXXX XXXX XXXXXXXX as proof that they acknowledged the fraud and agreed to remove the collection account. I expect Experian to follow through on this agreement and remove the derogatory account from my credit file immediately upon receipt of this complaint.
Product: Prepaid card

Received an Amex Gift Card for {$50.00} on XX/XX/XXXX XXXX XXXX I tried to use the gift card today at gas stations, grocery stores, online retailers, but it was declined every time. I also tried to transfer the gift card to XXXX but it was declined. I tried using the Amex gift card to reload money to my XXXX gift card but that was also declined. I called Amex and was told the card was active, and the card was also worth {$49.00} because some of the transactions I tried took ten cents off the total value of the card because of the denial.
Product: Payday loan, title loan, or personal loan

I took out a title loan I was promised a {$50.00} rebate if I took it out with the Cash store. I have made payments and then could not pay full amount every month. I have paid the interest they said I had to. Then they would restate the loan which I do n't know why they need to restate it other than the APR has run its course. Now they want more interest instead of letting me pay the loan. There was a shady character come to my house no papers and never have I been served that they are taking my truck the Title they have. I feel that my payments have never been applied to the principle. They are practicing shade tactics. Are they loan sharks?
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ACCOUNTS and INQUIRIES Letters As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my
Product: Money transfer, virtual currency, or money service

I am filling out a complaint against Cash App ( Block. Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CPFA ). Specifically Cash App failed to take timely and effective measures to prevent an address fraud on our platform, leaving my account, vulnerable and unprotected. Furthermore, they dispute resolution 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, credit repair services, or other personal consumer reports

reporting inaccurate items that are harming me in getting home or car.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Used my credit report improperly and without my consent.
Product: Checking or savings account

My card from XXXX XXXX XXXX was charged multiple times from an unauthorized merchants and people from different states and also had money that I sent out I never could get back. For my chase bank I got charge for things I didnt know about as well and c
Product: Debt collection

I got a copy of my credit report and discovered that National Credit Systems had put a collection on my credit report.
Product: Debt collection

Ive been given conflicting information about this debt. Initially, the debt was reported as being included in my bankruptcy, now its being collected. I do not owe the amount listed.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXXXXXX