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

XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 



XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. 


- Account Name : ALLY FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please.
Product: Credit reporting or other personal consumer reports

My Social Security number has been used by an ex-girlfriend who was apparently arrested for fraud. I have many fake aliases on my credit report, including addresses, phone numbers, and other issues. I have been unable to get these fictitious items removed from my credit report, especially the XXXX report. I recently requested an FBI search on myself to see if anything else is showing up that should not be connected to my name. 

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

I paid the loan amount off in full and have been waiting for the status to be reported to all 3 credit bureaus. I paid the account off in full and Im awaiting for the company to report the information to the credit reporting bureau : XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting a late payment for XX/XX/2023 when I call the loan company they do not have a late payment
Product: Credit reporting or other personal consumer reports

I am writing to report inaccurate information on my credit report from XXXX XXXX, account number beginning with XXXX. The report incorrectly lists late payments on this account. I have consistently made my payments on time and have never missed a due date. I previously disputed these inaccurate late payments with the credit bureau Experian, but their investigation was unsatisfactory. In order to substantiate my claim. I request that this inaccurate information be completely removed from my credit report, as it is negatively impacting my credit score.
Product: Credit reporting

I sent certified mail to Experian requesting them to respond to my METHOD OF VERIFICATION FORM. I will attach a copy of the method of verification form. Experian did not verify any of the accounts I have disputed but sent me results saying either they " UPDATED, NEW INFORMATION '' well if there is new information who did you verbally talk to too get this new information? No documentation was mailed to me explaining who Experian contacted. XXXX is not the form of verification that I requested by law Experian has to honor my method of verification request and they have not done so. When you see the method of verification form you will see why I am filing this last complaint before seeking legal action. This is my LAST attempt to resolve these issues. XXXX XXXX do not even return calls so I know they was n't verified. XXXX and XXXX sent me fraud forms to fill out which I sent back already. XXXX and XXXX have not provided me with documentation with my signature on there as well so how is it that XXXX have all this new information?????? I have contacted an attorney who is on standby until this last attempt is done. method of verification per FCRA Section 611 ( a ) ( 7 ) is what I requested. I can also send a copy of my certified mail receipt if asked.
Product: Credit reporting or other personal consumer reports

Called today XXXX, talked with representative who could only offer to send another description of the factors that influenced the score. When I viewed the information on the XXXX portal, XXXX items were listed : INSUFFICIENT DDA INQUIRY ACTIVITY SAME FI, and RECENT UNIQUE FI DDA INQUIRY HISTORY. The representative had no other information and could not even explain these " reasons. '' It appears that ChexSystems " calculates '' a credit score of " XXXX '' with NO information! 
My actual credit score with the XXXX major bureaus is virtually a perfect score. 

This appears to be a fraudulent business practice and should be investigated. 
The Consumer Finance Protection Bureau should open an inquiry on ChexSystems immediately.
Product: Credit reporting or other personal consumer reports

I was approved for a buy now pay later loan by XXXX via XXXXXXXX XXXX I setup autopay, but for some reason my payments werent processed! The account I used to setup autopay has had no less than {$20000.00} a year, so there is no reason why these payments werent processed! I was let know via email that my payments didnt go through, but the emails ended up in my spam folder! I was never informed via phone! l or mail! Luckily one day I ended up in my spam folder and came across the email, so I made my account current. The problem now is I have 3 late payments on my credit report now. I should be responsible for a companies autopay system. Now my credit is ruined! Please XXXX  can you remove these late payments from my credit report!
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) XX/XX/XXXX, 2024/ XXXX XXXX ( XXXX ) XX/XX/XXXX, 2024/ XXXX XXXX XXXX XXXX  XXXX XX/XX/year>2024 /
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account 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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I DID NOT GIVE XXXX, EXPERIAN, XXXX WRITTEN INSTRUCTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX/DOFED XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate XXXX  XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Product: Debt collection

Credit Collection Serv, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
Product: Debt collection

This company called stating I owed personal debt. The address used was an address I was listed under over 16 years ago. I dont have any open cards. T hos companu obviously are a predatory company. I am in practice to request an updated credit report at least one yearly. They claimed to be portfolio asset or another.
Product: Credit reporting or other personal consumer reports

I checked my XXXX XXXX account and it has incorrect information or non-up-to-date information in my personal information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at around XXXX XXXX, I initiated a standard ( non-instant ) transfer from my Square Business Account of {$4100.00} to my personal Chase Checking account via the Square Portal. I own both the business tied to Square and the said personal checking account. In the past, I've been able to make instant transfers between these accounts with no problems. The portal claims the money will be available in 1-2 business days. 

The following Monday was a holiday so I figured the money will hit the account on Tuesday, which didn't happen. I thought I'd give it another business day. On Wednesday, XX/XX/XXXX, after still not having the money in the account - I called Square Customer support. I was told two things : 1. They were having " issues '' with transfers the day prior so my transfer may have been affected. 
2. That it still shows a " Pending '' status. 

I was told to wait one more business day again. Thursday came and the money still hasn't arrived. I called Square again where I was told that now the status has changed to " Complete '' and was given a transfer trace number that apparently I can provide XXXX when I call them about the missing transfer. 

I called XXXX and was passed around until I was sent to someone apparently in the ACH department, only to be told that the trace number is of no use and they also do not see misrouted or any pending transfers whatsoever. The " XXXX XXXX '' number of XXXX for XXXX on Square 's help section was also no good and only routed me to regular Customer Support. 

I called Square again and informed them of my call with XXXX. I was instructed to go to a physical branch where I have to apparently ask for a letter that verifies who I spoke with at the branch, its fax number and the " dates '' they looked at. 

I went to XXXX today and was given a cookie cutter letter of my deposit summary- nowhere stating that an ACH transfer was not found on any date range. Apparently, if they have to type a custom letter, " legal : will be involved. I was given a business card of the branch VP with the fax number but that was it. 

I responded to the Square email with a copy of this verification statement XXXX gave me and a scan of the business card but it has been 5 business days since I sent the transfer and the money still could not be found.
Product: Payday loan, title loan, or personal loan

I took out a personal loan of {$4000.00} to pay off some bills. I have been a customer of USAA Bank XXXX XXXX XXXX. XXXX XXXX, TX XXXX for over 10 years. They gave me a interest rate of 11.99 %. The following are transactions since acquiring the loan. I'm making extra payments on the principal to reduce the amount of interest charged. There is no penalty for paying off the loan early. I noticed that instead of reducing the amount of interest charged it's increasing the amount of interest with each payment. Paying more interest on a decreasing principle doesn't make any sense. 

Date Description Amount Principal Balance XX/XX/XXXX PRINCIPAL {$79.00} {$3400.00} XX/XX/XXXX INTEREST * {$60.00} {$3400.00} XX/XX/XXXX PRINCIPAL {$140.00} {$3500.00} XX/XX/XXXX PRINCIPAL {$96.00} {$3600.00} XX/XX/XXXX INTEREST * {$43.00} {$3600.00} XX/XX/XXXX PRINCIPAL {$100.00} {$3700.00} XX/XX/XXXX INTEREST * {$34.00} {$3700.00} XX/XX/XXXX PRINCIPAL {$100.00} {$3800.00} XX/XX/XXXX INTEREST * {$30.00} {$3800.00} XX/XX/XXXX PRINCIPAL {$4000.00} {$4000.00}
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 for those violations.
Product: Credit reporting or other personal consumer reports

XXXX has not reporting my XXXX loan balance. My XXXX loans were cancelled recently, however, XXXX has not reported my updated balance to all major credit bureaus. 

My loans went from over $ XXXX to $ XXXX and then about {$40000.00} a few weeks ago. XXXX did not report it since XX/XX/2023.
Product: Debt collection

the company is Diversified Recovery Bureau. they told me that if i do not pay my debt owed to personify financial that i will go to court. i do not believe they can do this. i want them to stop telling me this and just close the debt owed to personify out completely. there is no way im paying this amount of money
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent onXX/XX/XXXX) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration
Product: Money transfer, virtual currency, or money service

I am a customer of skrill for at least a year. I called them many times in the month of XXXX asking for the transaction limits policies. Every time I called their assured me the limits were {$500000.00} to deposit and withdrawals. After confirming this transaction limits policies three times, I decided to transfer {$97000.00}. Once my money was in skrill I started having problems ( XX/XX/XXXX ). They said I can only send money to another skrill account up to {$20000.00} every three months which I send to another skrill account the money, leaving me with a balance of {$77000.00}. They also said I can only withdraw {$15000.00} every three months, however, I cant no even withdraw the {$15000.00}. Skrill has put a restriction on my account for no reason for withdrawals. They asked me to provide them with all my information such as bank statements, social security card, passport, driver license. They said the " case '' was escalated, however, every time I called they said to wait. I have been waiting and waiting and no answer. They said a manager will contact me, however, nobody has contacted me yet. They always said due to the high volume of cases, managers are backed up, so I have to wait. I am afraid they are just going to keep the money. I read many reviews online which states skrill tends to keep the money. I need help. I can not lose this money. I can not afford to lose {$77000.00}. Please help. One of the reasons I decided to do business with skrill is because they stated " Skrill USA Inc. is registered with XXXX and holds licenses in various U.S. states. '' I CAN NOT WITHDRAW MY MONEY. THEY ARE HOLDING MY MONEY HOSTAGE. PLEASE HELP. I JUST WANT MY MONEY BACK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$910.00} XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Product: Mortgage

We have been involved with a short sale negotiation Chase for 6 months now. Chase is the 2nd lien holder. They have " inferred '' to us that the short sale has been approved for 2 weeks now. When asked directly for a firm answer about the approval, Chase just states that they have a new process in place for producing the approval letters and it is " taking longer '', however the Chase representative will never say " Yes - this short sale has been approved ''. The overall sense is that Chase is not being upfront and we really do n't have any idea what is happening at this point.
Product: Student loan

A payment was sent to Navient on XX/XX/XXXX. I used their online portal and emailed them 3 times to apply my payment in full to loan # 2. The only way I seem to be able to get them to respond and actually apply my payments correctly is to file a complain after getting frustrated with Navient not following my remittance information.
Product: Debt collection

I work for a company that had an insurance audit by XXXX XXXX. The debt collector called me on my personal cell phone to collect a debt owed by the company I work for.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has derogatory trade lines that are over 10 years old not in compliance with the FDCPA & XXXX. Please make an inquiry as have my credit report corrected and updated with all credit bureaus. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, TX XXXX TX Drivers License # XXXX SSN : XXXX U.S.Passport # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IpaidoffmyXXXXXXXXXXXXcreditcardthatpostedtomyaccountonXX/XX/2019.IcalledXXXXtoinquireaboutthecreditreportingupdateandtheysaidtheyonlyreportonthelastdayofthemonth.

XX/XX/2019Icalledagainasthebalancestilldidnotreflectthepayoff.XXXXstatedthatbecauseIhadpaidmidXXXX,itwaspossiblethatIdidn'tmakethereportingtimebutshouldbeokforXXXXreporting.Isubmitted2disputes,tryingtogetthemtoremovethehighbalanceASAP,asIamtryingtomakealargepurchase(e.g.,Car/home)EarlyXXXX,XXXXXXXXnotifiedmethatmybalancehadchanged.WhenIcheckedit,itshowedmypaymentof{$2400.00},whichhelpedmycreditscoretremendously.

Yesterday,XX/XX/19IgotaXXXXXXXXnotificationthatthe{$2400.00}wasmyXXXXcreditcardbalanceagain.

Today,XX/XX/19IcalledXXXXandspoketoXXXXwhostatedthattheyarereportingaXXXX$balancebutthatthecreditbureaushave30-60daystomakethechanges.Theyalsoprovidedmewithaletterstatingthattheywerereportingthe{$0.00}balance.

IalsocalledEquifaxandtriedtoexplainthesituationandthatthehistoricalbackgroundontheirdisputeresponseshowsthe{$2400.00}paymentonXX/XX/XXXXbutthatnowithasbeenreverted.Theirresponse?Thecompanyconfirmedtousthatthereportingdataisaccurate.NO,ITISNOT.

IkepttellingbothcompaniesthatIshouldnothavetowaitanother30-60daysbecausethereappearstobeaglitchsomewhereandsomeoneneedstolookoutsidethenormalreportingprocess.Otherwisetheywillbothkeeptellingmethesamething,monthaftermonth.IneedthisresolvedASAP.Thisoneinstancedroppedmycreditscore17points!TherepresentativeswereniceandtriedtobehelpfulbutIfeltliketheyknewaprocessandnothingoutsidetheprocesswasanoption.....butthereneedstobeoptionsbecausethisisnotanormalreportinghabit.

Equifaxhassubmittedyetanotherdisputeonmybehalf,whichisnotgoingtohelp.IFXXXXsaysthey'rereportingthe{$0.00}balance,andEquifaxissayingXXXXisreportingthe{$2400.00}balance,somethingisobviouslyincorrectandneedstoberesolvedasap.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


6. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023