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

I am writing to formally dispute the accuracy of the bankruptcy reporting on my credit report and to request its removal based on information provided by the United States Bankruptcy Court and relevant consumer protection laws.

According to a letter I received from the United States Bankruptcy Court, the court does not report any information to credit bureaus and is not responsible for verifying or validating information from consumers credit files. The letter specifies that " any concerns regarding the accuracy of consumer credit files can be directed to the credit reporting agencies. '' The original creditor is the only entity that can verify or validate information. and in this case the original creditor says they do not report to credit reporting companies, so this inaccurate, unverified, and unvalidated reporting needs to be removed from my report. Based on the information provided by the bankruptcy court and the stipulations of the Fair Credit Reporting Act ( FCRA ), this reporting is inaccurate and must be corrected. 
To assist you in your review, I have included a copy of the letter from the United States Bankruptcy Court for your reference and an image of the bankruptcy courts website as it appeared on XX/XX/year>. Please review my credit report in light of this information and take the necessary steps to remove the bankruptcy record from my file. There is absolutely no third-party with first-hand knowledge of anything. 
Please confirm receipt of this dispute letter and notify me in writing of the action taken to correct this issue within 30 days, as required by the FCRA. If you need any additional information or documentation from me to resolve this matter, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter.
Product: Credit card

Barclay Cards is not posting payments made by XXXX XXXX XXXX XXXX and the correct interest rate of 5.9 % and need to adjust the payments of {$98.00} on XX/XX/XXXX {$74.00} on XX/XX/XXXX and {$140.00} on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XX/XX/XXXX 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.

EXPERIAN 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 or prepaid card

On XXXX XXXX, 2017 I placed an online order with XXXX XXXX. I had the order shipped to my home address. The package never arrived after I received notification. The package was erroneously shipped to my previous address where I have not lived in 3 years. Prior to this order XXXX XXXX has delivered orders and mail to my current address. I contacted XXXX, the post office and lastly XXXX XXXX. They insisted that the error was not theirs and I should go and retrieve my packages. I asked 3 times to speak with a supervisor and they denied that request. I just wanted them to re-send the merchandise. I called back and asked that they credit my account the {$110.00} XXXX that I already paid ) and they refused,
Product: Mortgage

I had this loan first with a mortgage company named XXXX XXXX XXXX. Before this XXXX took over my loan, some other Mortgage had it. Then, XXXX sold my loan Rushmore Loan Management services. I have been paying this company for the past 6 years. Then, this year ( 2024 ), Rushmore financing informed me that my loarn will by managed by Rushmore Servicing. When I call to make a payment on this loan, they would inform me that I am no longer Responsiable for the debet that I am volonteering made the payment. When I spoke with a represenative about no longer being liable for the loan debt, she informed me that am no nonger liable for the debt, but I can no longer stay in my home. I feel that I am trapped in this loan. They have attached a really high interest rate with this loan. When I started out with this loan, I had an interest rate of XXXX. When Rush more took over my loan, I had a kiab modification attached to my loan at the end of my regular payments XXXX, XXXX. I was told this amount was attached to my regular loan because I had stopped payments on my home for 6 months. I realized what his company is doing. They applying an interest rate of ( XXXX ) on this loan. I am sure they want me to move out or die, so the house can be resold to gain more profets. I need some help on this matter. As this rate of Interest, the company may just get their intentions met. I have paid Rushmore Mortgate Service a lot of money to live in home that should have been paid for at least five years ago. With the high interest rate they a applying to this loan, make it impossiable to reach my goal of owning my mothers home. I hope yur agency can help me with my issure. 

Thank you XXXX XXXX XXXX
Product: Debt collection

In XX/XX/year>, during a conversation with a representative from Credit Acceptance, I was informed that the two late payments on my account would be removed, as my payment history is otherwise in good standing. This promise was made in good faith, and I am now requesting your assistance in ensuring that the late payments are removed. Under 15 U.S. Code 1681i ( Fair Credit Reporting Act ), I am entitled to request corrections to any inaccuracies in my credit report.

These late payments were due to a car accident that totaled my vehicle, and I was misled by Credit Acceptance in believing they would be removed. The continued presence of these late payments on my report is not only inaccurate, but it has had a detrimental effect on my credit score. I respectfully ask that this issue be addressed promptly, as it reflects poorly on my credit and the agreement made with your representative was not honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are inaccurate. I have filed a dispute on these accounts and your findings came back that these were verified. Please provide me your method of verification for each of these accounts. 

1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.XXXX XXXX XXXX 5 . XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - I noticed that my credit score decreased by XXXX points overnight based on 1 % credit usage. First and foremost, 1 % credit usage does dictate a reduced credit score of XXXX points! Secondly, I have an EXCEPTIONAL credit payment history! That rating ALONE denies the fact of my credit score decreasing by XXXX points nor an ACCURATE DEPICTION of my credit score. Third, the balances listed on the accounts were incorrect! I had paid several of the balances off and STILL my credit score was reduced by XXXX points. I dont tolerate this type of nonsense. I will follow up with credit bureaus EXECUTIVE MANAGEMENT and make public notice of incorrigible actions taking place on credit reports. I deeply advise that these inaccuracies get corrected ASAP. 

Good Day!
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXXXXXX XXXX  Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card

On XX/XX/year>, I received a letter from the Bank of America dated XX/XX/XXXX, stating that 1 ) " Email alerts we've sent you were returned as undeliverable '' and 2 ) " Thank you for choosing paperless delivery. '' First, the Bank did not identify which of my credit card accounts, I have two with the Bank, it was referencing. Second, my email account has no other problems receiving emails. I consider the Bank 's claim to be a fraudulent excuse for changing my accounts to paperless. Third, I never requested paperless delivery, not from this Bank, nor from any other online accounts I have with any entity. Moreover, I have not done business on either of my online accounts with the Bank since last summer. I consider the Bank 's unilateral change from paper after several months of no activity online to paperless to be an act ( s ) of fraud. The Bank criminally attempts to save the costs of postage, paper, etc., by illegally changing customers ' preference from paper.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification XXXX I have disputed this account since it was originally posted to my account over a year ago. I continuously submitted disputes and requested that Equifax show me their method of verification for this collections account, because it was causing me to be unable to secure housing for me and my children due to it being listed as in outstanding rental debt collection. It was not a correct account. I did not owe this company this balance. Equifax failed to provide any form of verification for this debt no matter how many times I asked. They continue to post this to my public credit report and return anytime I applied for housing I was denied due to this outstanding debt. As a result I was forced to at least pay the company, so that I could secure housing and would not have any outstanding rental debts. Had they actually investigated the account and verified that it was in the not a debt that I owed this would not have occurred to this day. They still have it posted as a verified account of mine yet they have failed to show me any proof of any investigation, or any method of verification that they used, and I still dispute this debt. I have attached four screenshots of my dispute center with Equifax. They are supposed to keep records online for two years of the dispute results conveniently the disputes are listed, but the PDF for download is unavailable to all of my disputes except for one, I also attach a sample of one of my communications with Equifax showing my verbiage and intensity I was requesting this matter be resolved with it to this day they can not bear any results of the multiple investigations that they said they conduct it. I would like this item removed off my report. 

As of today XX/XX/XXXX this account is posted as accurate and verified and I have claimed it to be false from its original date of posting XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I filed a dispute of {$700.00} for the purchase of a bed. The bed was incomplete ( missing the headboard ) when I received it and the merchant was notified. 

Capital one has failed to protect my charge back rights and or investigate this claim on two separate occasions. 

The second time stating that because I used cashapp ( a third party ) they wont help yet if I used XXXX they would and have in the past. 

That is an inconsistent practice and fails to protect me as the customer. This purchase was made using my DEBIT card with a XXXX logo and as such I am entitled to chargeback rights and to have them charge back this transaction. 

XXXX refused to file a chargeback on this transaction and failed to assist when advised of the situation. 

Furthermore capital one was given over 31 screenshots of proof of the issue with the transaction which they acknowledge receiving. So they are aware the merchandise was not delivered. 

The claim # s are XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file 4 times with the CFPB and the FTC over this account COMENITYBANK/VCTRSSEC # XXXX, Third-Party Collection Agency unable to validate debt the original creditor never responded back at all. It has been well over 60 days. The account was opened and never paid for and I report this fraudulent account already.
Product: Checking or savings account

I opened a Bank of America checking account in XXXX and have deposited my paychecks into it. My employer, a county Government, advised that my paychecks cleared weeks ago. I csnnot draw on the funds because there is a Hold on the funds. Calls to the XXXX BOA and customer service have not helped. I can not pay my bills. Help!
Product: Checking or savings account

I have had problems with my money being deposited into my account and or using my funds! My account was locked for 2 months and every check I got deposited was sent back to my job. I went without getting my money for 4 months!!! They acted like it was an issue they couldnt fix ( chase banking ) and I couldnt XXXX anyone or pay the bills I needed or get access to my money because of them!
Product: Money transfer, virtual currency, or money service

My sister transferred money to my account as an emergency cover for some expenses this morning. She used Zelle/clearXchange through her XXXX platform in order to get the money to me immediately. I have sent her payments though Zelle and it goes through within moments- 15 minutes at the outside. 
I got a confirmation email that a payment had been sent to me through Zelle/clearXchange, and that I should check my account for the deposit. Both companies were listed- in face it was stated stated that clearXchange is now Zelle .

Not only was the money not showing up when I called- hours later I found out that it was not due to be visible for 3 business days!

When I initially called Zelle they told me that had no idea what would take so long and that length of transaction was up to the bank sending the money. So, I called XXXX the issuing bank. They informed XXXX that no, the money went into the the Zelle/clearXchange network immediately and it was now their proces. I then called Zelle/clearXchange back and was told I just needed to activate my email for money transfer through Zelle. I tried that, was impossible- becasue it was active under clearXchange ... .which I was told is the same as Zelle, but becasue the same email address was active with clearXchange- i could not make it active with Zelle. It is important to note that on each of these phone calls the agents verified my account and could see both my Zelle and clearXchange information. So these differing and not useful instructions seemed odd.

I called one last time and stonewalled. The agent told me that clearXchange was the same company as Zellle- but he had no idea where the cash was or how long it would take to reach me. He literally just kept saying I apologize but it will be 3 business days. I asked why- he said the same thing. He told me that if I had deactivated the clearXchange email connection prior to the transfer them money would have gone through Zelle. I asked him how a person would know that- he did not answer. 
All three agents told me that could see the transaction- but could not give me any information on the process or the ETA of the deposit. They all said they could not expedite the process, and claimed no knowledge of why it would take so long for an electronic transfer through a quick-pay app. 
I believe that this money transfer app is exploiting loopholes to hold onto customer 's cash for longer than expected. Each agent told me something different, and said they had no information on a transaction passing through their interface- and could not access any information on it. They would just keep repeating themselves- regardless of the question. I am now not able to get the cash for days- and the whole process is useless, I would have been in the same position had I not used Zelle/clearXchange. I would be in a far better position if I had used another service- or if all the different qualifiers for " quick '' payment had been disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DEPTEDXXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX Collection XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX USDOE/XXXX Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I got a card in the mail that a order of default was entered on XX/XX/2021 with no info for the reason why this happen only thing that's on it is Judge XXXX XXXXXXXX XXXX case # XXXX XXXX so I sent the plaintiff so far six certified copies starting on XX/XX/2021 requesting all and any bills, validation letters and any court dates to their lawyer XXXXXXXX XXXX XXXX XXXX and to the plaintiff it's been over a month and they haven't sent me the info I asked them for I went to small claims court to see if they can help me find out who's suing me they printed out a letter showing CIVIL ELECTRONIC DOCKET there was no information showing who was suing me only thing on it was a case number and the debt collectors and their lawyer so I was told to file a motion to set aside the default order which was granted so I sent them both copies to show that we have a XXXX  visit on XX/XX/2021 at XXXX XXXX  how am I supposed to prepare my case if I don't know what's going on so I fax and mail the same info last week and I was going to keep doing it until I get it but since the XXXX  visit is Friday so what can I do as far as them sending me what I need can I sue them for not sending me the papers so that I will have time to prepare just in case because right now I have no income coming end my wife gets a XXXX check after the bills are paid on there's nothing left for counsel I tried legal aide but no one has call reach out to me
Product: Money transfer, virtual currency, or money service

I used cash app card to get my federal and state refunds, they are there but not being released to me. My account number is Routing Transit Number : XXXX Account Number : XXXX. Transactions are one for XXXX from the IRS. The other is XXXX from OH Dept of Transportation. I have tried several times to get my money. It is saying my card is closed for no reason. I have to email them there is no phone support I have sent them everything they ask for over and over for a week. The company is just CASH.APP it says it goes through XXXX XXXX  XXXX XXXX. Please help get my money. My name is XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The phone associated phone to the account is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into the XXXX credit protection program which pays the minimum balance due for 6 months. XXXX paid my minimum monthly bill, but reported to the credit bureaus that my account was past due, and it affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Student loan accounts are reporting late and therefore showing negative on my EXPERIAN REPORT. XXXX and XXXX have updated and corrected the items. It has gone past the time that was stated for the information to be updated. Some were updated but TWO are still reporting negatively. 

1.XXXX XXXX XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4300.00} 2. XXXX XXXX XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4200.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 116 Months Responsibility Individual Your Statement - Comments Account closed due to transfer or refinance XX/XX/XXXX THROUGH XX/XX/XXXX IS REPORTING PAST DUE. THESE ACCOUNTS WERE IN DEFERMENT DURING THE TIME AND HAVE BEEN CONFIRMED BY LETTER THAT WAS SENT TO ME. BUT ACCOUNTS HAVE NOT BEEN UPDATED YET.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress and response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent to my credit report a request to removed the inquiries off from my credit report. 
I did not have any authorization to run my credit with all these companies.