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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska XXXX XXXX XXXX XXXX : Submitted a XXXX Complaint with my XXXX credit card account, opened XX/XX/XXXX, limit {XXXX}, ending in XXXX. Account was erroneously submitted as being 30 days late. XXXX  complaint # XXXX states that the bank submitted the following response : " XX/XX/XXXX Submitted via XXXX XXXX XXXX  Website Case Number : XXXX XX/XX/XXXX Submitted via XXXX XXXX XXXX  Website Case Number : XXXX Creditor : XXXXXXXX XXXX On behalf of XXXX XXXX, I am responding to your inquiry we received from the XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX. I appreciate you bringing this matter to my attention. 

On XX/XX/XXXX, XXXX XXXX  electronically requested all major credit bureaus delete all late payment history regarding your XXXX XXXXXXXX XXXX ( r ) account from your personal credit history. 

From your inquiry, I understand the update has not been reflected on your personal credit file as of yet. I have submitted a new electronic request to update this information and attached a copy of the Universal Data Form, AUD number XXXX illustrating this request. The updates to your personal credit report may take up to 60 days. After this 60-day time frame, please reference AUD number XXXX when contacting the four major credit bureaus. Their contact information is as follows : Equifax XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX Thank you for the opportunity to respond to your concerns.

________________________________________ I then submitted 4 disputes with XXXX  regarding this account, each time they responded that the disputed information has been verified as correct, yet it still shows under " derogatory accounts/ accounts with adverse information '' on my credit report with XXXX. It also shows up under " Payment Status '' 30 days late & 30 days past due date.

Equifax : same story, submitted 2 disputes with Equifax, this still has not been removed from Equifax 's derogatory accounts : " Payment status : '' Not more than two payments past due " Date of first delinquency : '' XX/XX/XXXX XXXX was the only Credit Reporting agency to update this correctly.
Product: Debt collection

I contacted all of the collections on my credit bureaus. I asked for debt validation and verification letter confirming details of debt and I haven't received any information or response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXXXXXX 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
Product: Debt collection

In XXXX of XXXX  My pay was garnished for the amount due by the Credit Card XXXX Account was paid in full by end of XX/XX/year>. 
The Company Midland Credit is still reporting my account as delinquent on my credit report which is affecting my score. I have since reported and attempted to dispute and no resolve. I have the court documents and garnishment to prove payment in full
Product: Credit reporting or other personal consumer reports

Paperwork I received from XXXX XXXX XXXX  forwarded from XXXX show a loan account opened on XX/XX/XXXX. The address used is one I have not lived at since XX/XX/XXXX. The phone number listed was disconnected 8-10 years ago. I did not open this account.
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. 

DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX : 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: Debt collection

I received several voice mails from F & M Capital in the past few weeks discussing a debt they claim I owe and threatening that legal action would be taken. I have never received any written communication from them and my voice mail greeting does not state my name. Today I received a voice mail from them claiming that I had been writing bad checks and threatening me with jail time. I do not write checks and again, my voicemail greeting does not reveal my name in any way. Today they also called my father and left him the same voicemail, claiming that I wrote bad checks and could serve jail time and to have my attorney contact them. I have not contacted them or answered their calls because of the legal threats. If they intend to take me to court for some debt, they need to contact me in writing and not discuss private business through voice mail and with third parties. The number they called from this time was XXXX.
Product: Credit reporting or other personal consumer reports

I never went under a contract with this company and they don't have a record or any type of contract saying that I did and under the law they have to present paperwork which they have not
Product: Credit reporting or other personal consumer reports

My credit report was pulled for a mortgage, the bank informed me of this charge off. I have a recorded conversation with a representative from the card company saying my SS is not associated with an account. When I called the next day, the card company said they have to send it to the fraud company subsequently whatever they did it dropped my credit score XXXX points. How do you update a charge off on an account
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to come to some sort of closure with XXXX billing, This all started around XX/XX/2016. I joint the XXXX XXXX for life plan,big mistake! It was at that time a free service, in which I was billed 3  payments of $XXXX which I paid! I should never have billed for this service, I contacted XXXX on several occasions I finally received a call from a so called supervisor, Who explained that I should never have billed and I was told that the money would be put back into my account? This never happened, so I stopped paying XXXX until I got it rectified! I have tried numerous times to get this fixed with XXXX! I had tried to contact them online through My XXXX online services, I was repeatedly either disconnected or put on hold. I also called on a land line same result. I even contacted a regional manager who handles these matters for XXXX, again no reply! Needless to say the account was then sent a very unscrupulous collection agency, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX)XXXX, So far they breached my email account XXXX, which I was under the impression was illegal to do? Secondly they run my credit on a monthly basis to keep my score down and report monthly on my credit report, again which is illegal,and these reporting agency's do NOTHING TO STOP this! I have also contacted the Federal Trade Commission on this matter reference number: XXXX 
I am also contacting a Lawyer to see if I can start a class action law suite! Against the credit reporting agency's and this so called professional collection agency! After doing online research it seems that I am not the only one that has issues with XXXX  Billing practices!
Product: Debt collection

Company reached out to me the for the first time on XX/XX/2023. They said that the debt was listed on XX/XX/2023. There was never any letter received and looking in the account history, it shows there was never any statements. This was a blatant drop on their end as we are now over 100 days until first contact with not proper way to verify this debt as mine. There is legal obligation to make contact within 30 days. It should never take 105 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX & XXXX XXXX  XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX MY PERSONAL INFORMATION WAS STOLEN WHILE I WAS IN A HOME HEALTH CARE PROGRAM  IN XXXX XXXX DUE TO AN XXXX SHORTLY AFTER I LEFT THAT PROGRAM I BEGIN TO RECEIVE LETTERS IN THE MAIL AT MY OFFICIAL RESIDENCE FROM CREDIT COMPANIES DENYING OR APPROVING ME FOR CREDIT THAT I DID NOT APPLY FOR, I REPORTED IT TO THE SECRETARY OF STATE AND THE POLICE. ON XX/XX/XXXX I APPLIED FOR CREDIT AND WAS DENIED DUE TO 2 XXXX XXXX ON MY CREDIT PROFILE, ( XXXX XXXX XXXX XXXX {$300.00} ACCT # XXXX ) ( XXXX RECEIVABLE XXXX XXXX XXXX XXXX XXXX  {$970.00} ACCT # XXXX ) SO I CONTACTED THESE DEBTORS AND THEY SAID I OWE THEM FOR EQUIPMENT ORDERED ONLINE AND DELIVERED TO THE HOME HEALTH CARE ADDRESS IN XXXX XXXX, BUT I DID NOT ORDER OR NEED ANY MEDICAL SERVICES OR EQUIPMENT AND I DID NOT LIVE AT THE ADDRESS WHERE THE EQUIPMENT WAS SAID TO HAD BEEN DELIVERED. MY SON TOOK ME TO THE XXXX POLICE STATION TO REPORT THE INCIDENT, OFFICER XXXX SUGGESTED THAT I SEND THE POLICE REPORT TO THE DEBTORS AND THE CREDIT AGENCIES SO I DID BUT THE DEBTORS TOLD ME IT WAS STILL NOTHING THEY COULD DO EVEN AFTER RECEIVING THE POLICE REPORT FAXED BY OFFICER XXXX HIMSELF. I MAILED COPIES TO THE CREDIT AGENCIES BUT THEY HAD MULTIPLE ADDRESSES SO I DONT KNOW IF IT GOT TO THE RIGHT PLACE, I CANT GET NO ONE ON THE PHONE FROM THOSE AGENCIES ITS VERY HARD AND NOW I AM STUCK WITH NO HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I've Reached out to XXXX, about an account I believed that was reporting inaccurate information on my credit report. 

Account Name : ENHANCED RECOVERY CO L ( Original Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : This account is showing a past due balance on a closed account which is a violation of the FCRA please deleted this account immediately per the FCRA and also the date open in this account was reported wrong and this account was verified how is that possible ... 


Now knowing this and understanding the laws that protect me and several other consumers from this happening they have not followed the rules and guide lines set forth for proper investigation because if they did this information would have been addressed by either being deleted or corrected and neither have happened so it is a blatant and false item that has plaguing me in trying to pursue a home and has been for over a year. I want this file removed Immediately before a suit is to be filed against the harm its causing me and my family ... Please see the attachment as my proof that this account is and has been reporting inaccurate on my credit report and blatantly getting ignored.
Product: Credit card or prepaid card

My cared was lost several weeks ago. I attempted to report this to Barclaycard, they do not have phone agents right now. All I could do was lock the card. I have tried numerous times to contact them to notify them of the lost card, and have only been able to send messages that have not been acted on. Now, I have fraudulent charges that need to be dealt with. There is no way to dispute this on their website-they want me to call a number, which just dumps back into their queue with no way to leave a message. For something as serious as a lost or stolen card and fraudulent charges, they need to take care of these things right away. 

Barclaycard should be required to have a fraud group available 24-7 to handle such issues. And, you need to get back to your customers.
Product: Credit reporting or other personal consumer reports

I had a loan with XXXX XXXX XXXX that I paid off 3 months early in XX/XX/XXXX. For some reason XXXX XXXX XXXX held that 3 month lump some final payment and did not apply it to my account until XX/XX/XXXX. But then in XX/XX/XXXX they reported the account paid and closed. In the time between XXXX and XX/XX/XXXX, XXXXXXXX XXXX XXXX  reported to the Credit Reporting Agencies that my account was first 30, then 60, then 90 days delinquent. I wrote a letter to XXXX XXXX XXXX in XX/XX/XXXX requesting that they correct their reporting error. I received a reply from XXXX XXXX XXXX stating that they would correct the error. However, I am having a problem, particularly with TransUnion, getting them to receive my documents showing proof that XXXX XXXX essentially admitted their error. In the mean time, there is a negative inference on my credit reports. I utilize a banking institution that uses TransUnion exclusively when determining credit worthiness. I currently have a XXXX score on XXXX. However, I could potentially be denied or charged higher interest if my bank sees a negative inference on my TransUnion report.
Product: Credit reporting, credit repair services, or other personal consumer reports

these collection accounts ( XXXX XXXX -ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, were removed off of one of my other credit reports because they came from identity theft with the original creditor. These collection agencies then turned and sold the debt to another collection agency, or listed the debt under another collection agency name then reported the accounts to the other two credit agencies which I know has to be illegal by law. Most of the accounts are the same just under different names
Product: Credit card

I closed my XXXX XXXX XXXX XXXX XXXX XXXX  and at that time, asked for a refund of the {$91.00} credit balance ; I was told it had been submitted and was being processed and a check would be mailed. I called on XXXX was told it had NOT been processed and that I had not requested a refund. The agent stated that it would be processed within the next 90 days. This is not acceptable.
Product: Credit reporting or other personal consumer reports

I have reached out to Kik Off lending and informed them that this account was opened fraudulently and that they needed to remove the account off of my credit report. I then also reported it to the bureaus. They then said sorry it was opened fraudulently and charged it off and closed the account but refuse to remove it off of my account. According to the FCRA 15 US Code 1681eb. I know this is considered a paid debt and they have written it off on their taxes. So therefore it needs to be removed.
Product: Credit reporting or other personal consumer reports

It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. 

According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. 

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. 

Please update my credit report accordingly and provide me with a confirmation of these corrections.
Product: Debt collection

On XX/XX/11 I received emails from XXXX XXXX and XXXX  that my credit report changed. I logged in and looked and found that someone put an account on my credit reports that was opened in XXXX. I never opened any accounts in XXXX and I also noticed my social security number was reported as incorrectly on my XXXX  report. I was never sent a right to dispute this collection account or any validality of what was put on my credit report per the law states. The name of the account is XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction Experian, XXXX, and XXXX has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Experian, XXXX, and XXXX has committed identity theft. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and information associated with 1. The inquiry was not authorized by me. 
EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized by me XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized by me. 
XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized by me XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
5. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
6. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
7. The inquiry was not authorized by me XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report 8. The inquiry was not authorized by me XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
9. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
10. The inquiry was not authorized by me XXXX  Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
11. This account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove from my credit report. 
12. This account is not mine XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove from my credit report. 
13. This account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove from my credit report 14. Never late on this account. 
XXXX XXXX XXXX XXXX It states that Ive been late XX/XX/XXXX and XX/XX/XXXX. 
15 U.S. CODE 1666B If the creditor fail to provide documentary evidence violates the requirements of 15 U.S.Code 1637 ( B ) ( 2 ) ( A ) and the creditor can not report late payments.

Remove items from my credit report.
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 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 the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft and I didn't apply for anything with Pentagon. 
Where's the copies of the signed docs that were filled out when I supposedly applied for an account? Please provide me with all written documentation within 15 days or this is a violation and you must DELETE it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 recently checked my credit report and noticed that an account is showing inaccuracy in reporting late payment from XXXX XXXX dated XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX in accordance with the fair credit reporting act this company has violated my rights and with accordance to 15 USC 1681 SECTION 602 states I have the right to privacy also 15 USC 1681 SECTION 604 A SECTION 2 It also states a consumer reporting agency can not furnish an account without my written instructions SECTION 15 USC 1666B STATES a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY wrong
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite the evidence I provided, Transunion has neither corrected nor removed disputed items, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Experian, XXXX, and XXXX XXXX violated my rights to privacy. 

XX/XX/2022 and XX/XX/2022 XXXX XXXX reported 30 day lates on my report which was inaccurate. Ive tried reaching out to then on several occasions via mail and phone, yet they failed to provide me with verifying proof that my payments were late. I have called with my bank on the phone proving my payments were actually paid on time. 

15 USC 1681 section 604A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 
This violation has caused me great grief as to my credit score.