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

Note : This is my third Complaint with the CFPB. About the same issue with EXPERIAN. Experian it is my Right and Federal Law that you provide me with copies of the Original Signed Contact of the Negative XXXX XXXX # XXXX Account on my credit report ( That Experian should have ). Note : I Am Demanding Copies Of of the Sign Contact with my signature. If fail to do so I will seek damages in the court of law or Experian can Remove this ITEM. This is my last warning!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

despite two written requests, the unverified items listed below still remain on my credit report in violation of XXXX law. under the FCRA to have a copy of the original creditors documentation on file to verify that the information is mine and is correct. ( XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ( XXXX ) XXXX Account number XXXX XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX XXXX XXXX Account number - XXXX ) DATE OPEN ( XXXX ) XXXX XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX XXXXXXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX Account number- XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX  XXXX Account number - XXXX ) DATE OPEN XX/XX/XXXX ) ( XXXX ) XXXX  Account number - XXXX ) DATE OPEN XX/XX/XXXX ) in the results of your first investigation and subsequent re investigation, you stated that you verified that these items are being reported correctly? who verified these accounts? you have not provided me a copy of any original documentation a consumer contract with my signature on it. as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( a ). furthermore, you have failed to provide the method of verification as required under 15 USC 1681i ( a ) ( 7 ). please be advised that under 15 USC 1681i ( 5 ) ( a ) of the FCRA- you are required to " PROMPTLY DELETED ALL INFORMATION WHICH CAN NOT BE VERIFIED. The law is very clear as to the civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX 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
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 XXXX XXXX Account number : XXXX, Account name : XXXX XXXX, Account XXXX Account name : XXXX XXXX, Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX & XXXX XXXX XXXX XXXX Account name XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX, account number : XXXX Account name : XXXX, Account number : XXXX Account name : XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX note : credit bureaus won't give me full account numbers of the above accounts 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 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: Student loan

I am XXXX years old and have XXXX XXXX XXXX XXXX high, l am a retired XXXX XXXX and my salary is XXXX and l can not pay. I worked as XXXX XXXX XXXX but now because of Corona nobody comes I hope they forgive me that loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX regarding a collection that has been paid off XX/XX/XXXX and it still showed opened. I requested that they update the file has closed and remove from my credit report. The response from XXXX that it was updated and closed as of XX/XX/XXXX. I contacted XXXX by phone on XX/XX/XXXX to report this infraction and was told that I will need to contact the company, NCB Management Services , Inc for a date closed on this issue and to have them contact XXXX to remove from credit report. 

I am going in circles. No one is taking responsibility and I need this to be taken care of since its making a dent in getting services that I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

After working with a lender and attempting to purchase a home, I noticed there are numerous items on my credit reports that do not belong to me. XXXX in the amount of {$13000.00}, XXXX XXXX XXXX in the amount of {$700.00} and XXXX XXXX XXXX  XXXX in the amount of {$300.00} were not originated by me and per FCRA guidelines need to be removed. I also noticed my address is reporting as XXXX XXXX XXXX, XXXX Virginia XXXX and it should be XXXX XXXX XXXX XXXX, XXXX NC XXXX.
Product: Debt collection

Summary : While my account was in good standing, Target asked me to pay off my balance in full in exchange for Target removing negative credit bureau reporting. After I paid off my balance in full, Target refused to contact the credit bureaus. 

FACTS I was in the early stages of purchasing a home. In the process, I was informed that because I was reported 30-Days late for a credit card payment to Target for my Target RedCard, my credit score had fallen below the threshold needed to purchase a home. 

My Lender recommended that I contact Target and request a courtesy removal of the 30-Day late reporting, since I had an excellent payment history with Target outside of this one incident. I followed his recommendation. 

On XX/XX/2018, I called Target Card Services and informed the representative of the above situation and requested a courtesy deletion of the 30-Day late reporting. ( Note : At this time my account was in good standing and current, with a balance of {$100.00} ). 

The representative placed me on hold to discuss the matter with a supervisor. The representative returned to the line and indicated that Target would only request the courtesy deletion if I paid my account balance off in full down to XXXX. He stated that once I made the payment, I would have to call back the next day when my account balance reflected a XXXX  balance and Target would then initiate the deletion request. I asked once again that he confirm. Once he confirmed a second time, I asked him to enter this arrangement into the notes of my file, so that when I called back the following day, Target would understand the situation. After reading the notes back to me, he took my payment of {$100.00} via an over the phone check payment. 

The following day, I received a notification that my check for {$100.00} had processed and, after confirming my Target Card balance was XXXX, I called Target asking they initiate the request to delete the late reporting. 

I made a call to customer service and, despite acknowledging the notes in my account and my payment, Target informed that it would not issue the request to delete the 30 day reporting. The most the representative offered was to forward notes of my concerns to the department that handles credit bureau disputes and that they take about 30 days to respond. The representative indicated that he was directing that department to file a dispute on my behalf, indicating that the due date reporting glitched, which is not false. 

Due to the time-sensitive nature of my home purchase, Ive placed several calls to get updates since XX/XX/XXXX, with no success. Therefore, I also placed a dispute directly with the Credit Bureau to try to resolve the issue. 

I contacted Target, and was informed that Target was declining to offer any favorable gesture with respect to the credit bureau reporting. Specifically, Target refused to even attempt to contact the credit bureaus and have the negative reporting deleted. 

Target also informed me that it received a notification from the credit bureau that I had disputed the negative reporting and Target rejected my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these accounts are showing late and it's in no fault of my own. Please reverse these late charges on all of these accounts. I have great credit. Also due to CARES ACT, in no way should any of my accounts show any negative remarks. Please reverse them as none of these creditors care. 

100 Claims account deferred, 105 Disputes Dates of Last Payment/Opened/ of First Delinquency/Billing. 

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, credit repair services, or other personal consumer reports

Submitted request asking that duplicates and items that were over 7 years old be removed from XXXX, XXXX and Experian. Letters were submitted in XX/XX/. The duplicates remain on my credit report and it affects credit score.
Product: Mortgage

Our loan is currently being serviced by   Seterus.
<P/>  Recently our account was locked out from logging in online.  <P/> We have tried resetting it, we have called and the people on the phone do not have the ability to unlock accounts.  <P/> The website is unreliable and from the representative 's own words " sometimes works and sometimes does n't work '' We have been charged a late fee already
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( XXXX  ) ( XXXX  ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( XXXX  ) ( XXXX ) 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 or other personal consumer reports

I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly.

3. Contact Information : My main contact number is : XXXX. I would like this number to be updated. 

XXXX. Date of XXXX : XX/XX/year> ( XX/XX/year> ) XXXX. Employer : XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX  XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill
Product: Credit card or prepaid card

BB & T linked my sister 's and my credit card, because my mother was on both accounts, my sister went and accidentally redeemed credit card rewards from my points, not realizing they were linked, and when we called the bank to straighten it out, apparently they had added my sister to my credit card ( no signatures, paperwork, or permissions were given for this to happen ) and I was removed as a party on MY credit card and replaced as an authorized user, while my sister was given control of my account. BB & T acknowledged confusion, but said I couldn't do anything to get myself on the account even though it was opened in my name, I get the statements and pay them every month, and even have the tangible credit card with my name on it. They said only my sister could or mother could access MY account, even when the account was not opened in her name, nor paperwork signed to authorize her to be a user on my account. I then went to close my credit card, checking, and savings account with the bank because I am FURIOUS, and I'm not even allowed to close it, I can just remove my name as an authorized user. They refuse to correct their mistake, and I've spent two hours on hold and talking to two different reps and two different supervisors and the only thing they will tell me is to just open a new account in my name ... even though I already have an account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX AND XXXX 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 XXXX  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: Prepaid card

No access to funds No access online through app or website Customer service is nonexistent ( In fact Im on the phone now and have been waiting over a hour now and yesterday for 3 1/2 hours and then called periodically and was hung up on multiple times Bills can not get paid but no answers and no customer service is what is the most frustrating and disgusting things about this situation
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 proce 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 52 financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Bank of America is retaliating on me for reporting them to CFPB. The complaint XXXX on XX/XX/XXXX and several others against Bank of America is the same month out of the many years going back beyond XXXX. I have always paid every single time and my history and credit score of XXXX shows this. So there was no bill sent to me in XXXX, No bill sent to me in XXXX, No bill sent to me in XXXX EXCEPT for a letter saying I owed $ XXXX and I told them then that I had not received any bills. They told me they would send me the statement. I received XXXX more letters for XXXX in my recorded phone call with them at no time did they disclose that there was a higher balance owed. At no time did they " re-send '' the XXXX or XXXX statement. The only reason would be fraud so as to not disclose what I actually owed. This is all recorded on tape. 
This company is in direct violation of the Credit Card Act. They sent me letters of a payment due but no other information - that I actually owned more or a total balance. They deliberately withheld XXXX statements. I got letters which I assumed was the total balanced owed. And I asked the phone what is the total amount owed back in XXXX, I was cited XXXX. Which was a lie. 
They claim that sent, and that the post office could have had issues. I checked with the post office- and they said no issues. XXXX XXXX XXXX. I also receive XXXX bills, mortgage bills and other credit card bills with no issue every month. If it was the post office it there would be evidence of randomness, meaning it would happen with them. This has happens ONLY WITH BANK OF AMERICA XXXX XXXX  XXXX account no other company I deal with does this happen. 
This company, when the balance is XXXX, they do not send any other statements. So I am assuming that the XXXX is all I owed and so I sent that in XXXX. 
They also claim I did not send in {$13.00} back in XX/XX/XXXX. I have the cancelled check stub from them showing they processed. 
This all started with this business account after my complaints against them on my personal account - the very same month I made those complaints. 
I will be suing for damages and for fines and all fees.
Product: Money transfer, virtual currency, or money service

Ally lending falsely released funds to XXXX XXXX XXXX for unfinished/and substandard work. XXXX XXXX XXXX was hired on XX/XX/2021 to replace the plumbing throughout my home. XXXX XXXX ( representative for XXXX XXXX XXXX ) informed me that funds from the loan would not be released until XXXX XXXXXXXX XXXX completed the work. I was told by XXXX XXXX that the job would be complete in approximately a day and a half. On XX/XX/2021 the water was shut off and all of the plumbing was removed from my home. Garbage was thrown on my lawn were it remained for a month. The work remains incomplete. Ally lending release the funds to XXXX XXXX XXXX on XX/XX/2021. Ally lending have been made aware of the situation but have continued to pursue me to pay this dishonorable debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  AND EXPERIAN IS REPORTING A BANKRUPTCY ON MY CREDIT REPORT. ACCORDING TO THESE BUREAUS, THEIR INFORMATION CAME FROM XXXX XXXX. I HAVE A LETTER ENCLOSED THAT XXXX XXXX COULD NOT VERIFY THE ACCURACY OF THE REPORTING IN THE BANKRUPTCY LISTED ON MY CREDIT REPORTS. I HAVE ATTACHED XXXX XXXX LETTER SAYING THEY COULD NOT VERIFY
Product: Credit card

To Whom It May Concern : On XXXX XXXX, 2016 a letter ( see Chase Notification ) was sent to Chase which Chase received on XXXX XXXX, 2016 ( see Chase return receipt ). 
Chase did not respond to this letter and initiated dunning calls. 
On or about XXXX XXXX, 2016 Chase in response to a verbal comment, classified the charges as unauthorized and issued provisional credits. 
On XXXX XXXX, 2016 Chase posted a letter claiming that a benefit was received from those charges ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 ) In XXXX XXXX, 2016 Chase called but we were out of the country. 
On XXXX XXXX, 2016 the letters Chase alleged benefit letter-1 and Chase alleged benefit letter-2 were received. 
Between XXXX XXXX, 2016 and XXXX XXXX, XXXX approximately 11 calls were made to Chase regarding this matter. 
On XXXX XXXX, 2016 a letter was sent to Chase ( see Chase executive ) Chase responded I. The initial notice of a billing error was received but did not apply as Chase alleged did not receive fraud letter til XXXX XXXX, 2016 II. Chase policy requires certain form to be completed. 
III. Chase policy required subpoenas for certain information. 

Chase violated 15 U.S. Code 1666 by I. Exceeding 90 days allowed to resolve billing errors ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 and Chase Notification ) a. Chase is falsely claiming that it was notified of billing error/fraud on XXXX XXXX, 2016 but refuses to provide any evidence to support that claim II. By claiming that the burden of proof is upon the card issuer to prove transactions were authorized ( See Chase Executive ) III. By not providing documentation used to make decision. Chase alleged that there were recorded phone calls that proved authorization occurred, but only providing XXXX copies of receipts. ( See Chase XXXX receipt XXXX and Chase XXXX Receipt XXXX ) a. Chase subsequently provided more receipts, but Chase claimed that a recorded telephone call was the evidence they believe showed that a benefit was received. 
IV. By not providing all evidence required to prove that the charges were valid, despite repeated requests ( See Chase Emails ) a. Chase later provided receipts, but this was not the reason Chase claimed that a benefit was received V. By not complying with US banking laws despite being told explicitly of the violations ( see Chase Emails ) These violations are most egregious as Chase was informed of the violations in writing ( See Chase Executive ) but defended their actions with specious reasoning, claiming that the unauthorized claim occurred later than documented and referring to Chase policy regarding proper forms, which were submitted and Chase legal policy but never addressing the direct violations. 
I believe that Chase should not believe that it can not grossly violate the US Banking laws without recourse.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX Account Number XXXX BALANCE {$0.00} Unauthorized inquiries XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN XXXX  DAYS I FILED A XXXX  DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.