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

On XXXX XXXX XXXX XXXX sent me a deletion letter to my email. It was a copy of the same letter that they sent over to the 3 credit bureaus. The account was from ( XXXX ) {$110.00} negative collection account that wasn't mine. I settled this with XXXX and they agreed to have the account removed from my credit report. XXXX, XXXX  and Equifax deleted it. Now, this year ( XX/XX/XXXX ) my credit file with XXXX  was completely deleted and could not be seen. I called in on ( XXXX XXXX ) and spoke with a representative and I was told I had more than one file. They merged the files and my credit report was fixed so, I thought. Upon pulling my file, all of a sudden I noticed previously deleted information resurfaced on my credit report. So, I called back to XXXX  and discussed it with another representative since, I could not speak back with the previous one. I was told that the accounts were reported on my file and that they only put on my file what is reported. I called XXXX XXXX back and, was told that they had not reported any account on my credit report. They had deleted that old account from their system 11 months ago. Basically, XXXX  took the deleted files and placed them in a separate file instead of deleting them permanently. Thereby, creating multiple files that later mess up the system and delete the credit reports down the line. They then, take the previously deleted files and merge them again with the accurate credit file. Causing you the consumer to continue to go through unnecessary dispute challenges over and over. The list of previously deleted unverified Fraudulent accounts are as follows : 1 ) XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$4300.00} 2 ) XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1000.00} 3 ) XXXX  XXXX  Reported : XXXX. XXXX, XXXX {$4300.00} 4 ) XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$610.00} Here are the inquiries on my XXXX  report, that magically appeared on my report after they merged their files. I never applied to any of these places. 

-XXXX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX -XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX -XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion on XX/XX/2021, and requested that they remove the inquiries on my account because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove those inquiries. The reasons I was given is their need to contact the " original creditor '' in order to validate the inquiry. I informed the last representative that Transunion was in violation of a United States Code and was told that I needed to contact the individual companies to request removal. 

XXXX is in violation of the following United States Code : Title 15 USC 1681b - Permissible purpose of consumer reports
Product: Credit reporting or other personal consumer reports

I SAW THAT MY CREDIT REPORT WAS REPORTING SOME UNAUTHORIZED INQUIRIES AND I DON'T KNOW WHY THEY'RE ON MY CREDIT REPORT. PLEASE CHECK THE DOCUMENTS I'VE SENT.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 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 XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 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. 
XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 reporting, credit repair services, or other personal consumer reports

Today XX/XX/18, I called Nissan Motor Acceptance Corporation to discuss my account and asked if it had reported on my credit report as late. The representative rudley said yes, uhhhh your 32 days late. He then asked why I was late but shocked by his rude response it took me a minute to get myself together and respond. I asked if I could make a payment over the phone to bring it up to date and he explained all the fees. Since I felt he was rude i hung up as i could not finish the conversation. I then called back and talked to XXXX who i explained the situation to and he left me on hold for over 20 minutes. I then called back a third time and spoke to XXXX who explained that i can call XXXX  and tell them to tell Nissan to remove it. I asked him that if Nissan is the reporting agency, XXXX  will tell me to call Nissan so why would I even call them? He then transffered the call to the supervior ( i didnt get his name ) who explained they couldnt remove it and doesnt even know if it has been reported or not since their department doesnt do the credit reporting. I asked if you dont know, why did the first reperesentative tell me that it did? He was not apologetic at all and then when I said it wasnt right for the rep to give me false information, he said it wasnt false which contradicted what he just explained by stating they dont know what is reported as a collection agency. He then was talking over me as i was speaking and the phone call eneded when i told him that it was XXXX. I understand that I was late but the way all of the reps went about it was rude and unprofessional and I will do everything in my power to not do buisness with them ever again and to get my current loan out of their name.
Product: Debt collection

I obtained XXXX, the product was defective. I tried calling them to fix it and they never did. I cancelled services with them and sent them their equipment back through XXXX. I did it within 1-2 months after obtained services from them because of their refusal to fix their defective product. 
The system would not allow AC to work properly or would not control things properly either. -In XXXX , California the average temperature during the summer is around the 100-110 degrees, so I needed a functional AC for my family. 
XXXX never sent me a bill with a balance after I sent them their equipment back, I called them in several times asking for a balance corrected after I sent the equipment, but they were not able to tell me a balance, even any amount of money. 
Back on XX/XX/2018, I discovered a new collection on my XXXX credit report, a collection agency named Perfection Collection is reporting XXXX account for {$2100.00} dollars. It called my attention because I never received an initial notice or call from this debt collector, also the balance doesnt make sense to me, I really dont know from were the {$2100.00} dollars come from, if it is for a service or for equipment. 
On XX/XX/XXXX I called them and asked for an Itemization letter because -even today- I dont know the reason of the {$2100.00} dollars in collection. During the call the representative was unable to confirm my mailing address and that makes me think they never send me an Initial collection notice or something similar. The representative asked me for an email and she would send me an email with an Itemization statement. 
I wait for the email until XX/XX/XXXX, I called again but no body answer my call and I called for several days, -During this time I thought this debt collector was a scam or a fake company- They answer my call on XX/XX/XXXX and they told me they didnt have a record of my Itemization Statement on XX/XX/XXXX, but this time the representative said they sent me validation letter twice by XXXX, thing that I didnt receive. Later I received an email from XXXX XXXX from Perfection Collection, the email had an attachment, it was a picture of the original contract with XXXX, But I wasnt included and itemization statement. 
I called again on XX/XX/XXXX to ask again for an Itemization statement because I need an explanation of the amount in collection, then they suppose to send me a detail Itemization statement, but they again sent a photo of the original contract with XXXX. 
At this point I believe this collection agency doesnt have an Itemization statement and they cant explain the reason of the bill. Also, they never sent me, and Initial collection notice and they got my mailing address at the time of my first call to them.
Product: Debt collection

I had a previous account with XXXX XXXX from XX/XX/2013 on which the statue of limitations has exceeded the time frame .I have Received several harassing calls from Midwest fidelity debit collection company XXXX. I spoke with a rep there and ask them shouldnt they have notified the consumer when purchasing a debit with 5 business days they stated yes .I also told them I never received a debit validation letter. They continually to harass me
Product: Credit reporting or other personal consumer reports

I have recently initiated disputes for the listed inquiries, and I am concerned that a thorough investigation was not conducted. To date, your company has failed to provide validated proof of the authorization for these inquiries, and I believe that they are frivolous and unwarranted. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you adhere to the FCRA requirements and promptly delete these inquiries from my credit report. 
Furthermore, I have attached a copy of the FTC report, which includes these fraudulent inquiries, for your reference. This additional documentation should underscore the urgency of removing these inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX  XXXX/XXXXwith no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Product: Credit reporting or other personal consumer reports

I informed the credit reporting agencies and companies that I have unauthorized inquiries on my reports that I need removed. They failed to remove unauthorized inquiries from my credit report, by saying that they are unable too. I also indicated potential identity theft. As a precautionary measure, I placed a security freeze on all my accounts to prevent further unauthorized access. The companies still failed to remove these items and/or conduct an investigation with no explanation on why. 

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

I want you to know that I missed the payment on my account due to my being seriously sick and hospitalized. I have lost out on job opportunities because of these late payment remarks. 
This is ALL because of the COVID-19. I also could not close a home for my family due to this situation. I am really XXXX,
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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : XXXX XXXX Account name : # XXXX, Account name : # XXXX, 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. 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, credit repair services, or other personal consumer reports

XX/XX/2023 : Somone attempted to open three credit cards in my name. This resulted in three hard inquires. I added credit alerts to my report immediately, telephoned the police department, social security administration, and Internal Revenue Services. These hard inquires also resulted in the lowering of my credit score. I reached out to ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX XXXX XXXX, and ( 3 ) XXXX XXXX XXXX XXXX. I spoke with XXXX and XXXX and explained about the fraud and was told that they will remove the hard inquires. XXXX XXXX I telephoned and left a message since no one answered the phone. I received a text to verify a charge to a credit card I called and asked to speak with the fraud department however the person I spoke with XXXX said she could not transfer unless I provided my social security number. I refused because of the identity theft and asked her several times to transfer me to the fraud department and she refused. I need these hard inquires removed from my credit report because I did not apply to any of these credit cards. I do not nor ever lived in the city listed on the attached letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding a late payment that was inaccurately reported on my credit file. The account in question was settled in full XXXX years ago, yet the late payment continues to be reflected on my two different credit reports with XXXX and XXXX despite the resolution. 

Under the Fair Credit Reporting Act ( FCRA ), NFCU has violated my rights under the following provisions : FCRA 15 U.S.C. 1681 ( Section 602 ) I have the right to privacy, which includes the right to have accurate, complete, and up-to-date information reported to credit bureaus. NFCU has violated this right by continuing to report an inaccurate late payment after the account was settled.

FCRA 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ) A consumer reporting agency can not furnish an account to credit bureaus without my written permission or instruction. NFCU has reported this account despite the settlement and without my written consent, which further violates my rights under the FCRA.

FCRA 15 U.S.C. 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment was made under the terms of the settlement. Since my account was settled, no further late payment should be reported, as it has been resolved and no longer reflects the accurate status of the account.

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Blocked, XXXX ) due to indequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial losses, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

i askes transunion to verify that information on my credit report is reporting 100 correct. transunion fail to reply with in a timely matter
Product: Debt collection

On or about XX/XX/XXXX, Zenith Financial Network Inc contacted me by phone about settling a refund I was due from them concerning a prior CFPB complaint that I filed. 
The compliance manager XXXX offered to pay the {$1500.00} refund in two installments one month apart. She assured me the transaction would go through, and I agreed to the terms. 
About XX/XX/XXXX I did receive {$750.00} from the company. Because of this, I was expecting the remainder of the refund to follow. 
After several phone calls, and correspondence ( XX/XX/XXXX ) I sent them, I have received no response about the status of the second installment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Hello On XX/XX/2021 I payed off the statement of my PayPal Mastercard Cash back ( Syncrhonic Bank ) They took the money from my account on XX/XX/XXXX. 
On XX/XX/XXXX I tried to do a purchase and the credit card didn't work. 
This happened several time before and now I'm really tired this bank took my money and they don't allow me to use it because they said that I can't make payments in the same payment cycle. I'm attaching some pictures.
Product: Credit reporting, credit repair services, or other personal consumer reports

After purchasing a car my credit dropped which was expected so I continued to live life normal and pay off my credit and pay my car loan on time. 
Then all of a sudden I check my credit a month or two later and it continued to drop, the reason why was because of " personal loans '' that were opened and loans that are past due, they are opened with Affirm INC . I can see only partial of the account numbers that are associated with the loans. I cant see the location they were opened with, the email, nor the name. I have no way of going into this account to close it, I have no way to let customer service know the account numbers for the loan so they can pause it or close the account down. But they are connected with my credit and it is dropping it tremendously. ( over 100 points )