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

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX is reporting inaccurately on the credit profiles associated with my social security number and my consumer rights are being violated per the following information : There are a few inconsistencies in the account details between XXXX, Experian, and XXXX on my credit report. 

Firstly, the Account Status is reported as derogatory in XXXX, while it is reported as open in Experian. This inconsistency is a violation of section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to report the " current '' status of the account. 

Secondly, the Account Type - Detail is reported as " Credit line secured '' in XXXX and " Secured credit card '' in Experian. This inconsistency is a violation of section 607 ( b ) of the FCRA, which requires credit reporting agencies to provide " complete and accurate '' information in the credit report. 

Lastly, there is a discrepancy in the High Credit amount reported by XXXX and Experian. XXXX reports a High Credit of {$340.00}, while Experian reports a High Credit of {$0.00}. This inconsistency is a violation of section 607 ( b ) of the FCRA, which requires credit reporting agencies to provide " complete and accurate '' information in the credit report. 

Additionally, the Debt states that it is included in or discharged through Bankruptcy XXXX XXXX reported in the comments section and is inaccurate and requires investigation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices. Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because the traditional Credit reporting agencies are not the regulated Bureau, nor have they consulted with me to advise me what all would be disclosed to the public nor if did consult with me to see what i want reported. These practices are in violation of my Right to Privacy. The Equal Credit Opportunity Act states that all are equal under the law as all individuals ( the people ) must rely on the full faith & credit of the united states. Its because of these agencies that estoppel hender americans from access to the credit required for a better living experience with their families. Especially since the gold and silver been rules illegal. We can find any remedy. Then the bureau doesn't even respect the will of the consumer. What is this? Please instruct all agencies to cease and desist from reporting on my private business. Thank You.
Product: Credit card or prepaid card

I sent a deposit in XX/XX/XXXX to a vendor for a move to XXXX  from XXXX that was to occur in XXXX of XXXX. I cancelled the move in XX/XX/XXXX and I requested a refund. The vendor kept telling me it was in process. I had used this company in the past so I wasn't concerned. When it was past 60 days I reached out to Chime asking that this transaction be cancelled. They have refused even though I have explained what happened and provided the XXXX emails I sent to the vendor requesting my money back. The vendor stopped communicating with me. The amount I am trying to get back is {$1600.00}
Product: Credit reporting or other personal consumer reports

i just reviwed a copy of my credit report and i found these fraudulent inquiries. please remove these inquiries from 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 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

In XX/XX/XXXX I signed up with global Client Solutions to pay down my debt. On XX/XX/XXXX they debited out {$690.00} from my checking account. Global Client Solutions continued to charge me {$690.00} in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on are approximately on the XXXX day of each month. Global Client Solutions promised to assist in paying down debt. As of today no debt was paid down by global Client Solutions. On XX/XX/XXXX I asked Global Client Solutions to close my account and refund me the money. Global Client Solutions sent me a check for {$1800.00}. I assume that the rest of the money is being held as fees. They did not pay down any of my debt and I believe they are fraudulent. Global client solutions claimed to have paid {$290.00} to XXXX credit card and assessed the rest in fees.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX RE XXXX XXXX acct. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit reports You are reporting a late payments .and accordance with the fair credit act first progress has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was going over my consumer report and noticed hard inquiries that I do not recognize, nor did I authorize, which are 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 XXXXXX/XX/XXXX. I did not authorize these transactions and would like for them to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear. CFPB My name is XXXX XXXX. 
XXXX s. XXXX XXXX # XXXX XXXX XXXX, CA XXXX It show incorrect inquiry on my credit reports. 
Please remove list on my credit reports ASAP. 


XX/XX/2023 XXXX XXXX  XXXX - XXXX Loan Inquiry Alert from : Experian XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX from : Experian XX/XX/2023 XXXX XXXX  XXXX - XXXX Loan Inquiry Alert from : Experian XX/XX/2023 XXXX XXXX  XXXX - Auto Loan Inquiry Alert from : Experian XX/XX/2023 XXXX XXXX  XXXX - Auto Loan Inquiry Alert from : Experian
Product: Mortgage

I purchased my home in XX/XX/XXXX. One Month later the bank transferred my loan to XXXX XXXX and they increased my payment to XXXX from XXXX. I'm on a fixed income and this was a shock however I paid it. In XX/XX/XXXX, I was notified by XXXX that XXXX hadn't paid the house Insurance and if I wanted to keep my car and house Insurance, I would need to make a XXXX payment for XX/XX/XXXX. At the same time, XXXX sent a statement to me that I would need to pay XXXX for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in order to offset a deficit in the escrow. Being on a fixed income I had NO WAY to pay both XXXX and XXXX in the same month. I couldn't didn't have that much coming in. I started looking for a part time position to help supplement my income. 

I paid XXXX for XX/XX/XXXX. Kept my house and car Insurance. In XX/XX/XXXX, I contacted an Arkansas Credit Counselor in which she helped me try to straighten out what was going on with XXXX XXXX and why XXXX wasn't getting paid. After 2 weeks of calls with both her and I on the phone with AmeriHome we find out that 2 (  twice ) XXXX had sent XXXX a check to pay for the Insurance however without my Account number on it!! So each time it was returned. Because of XXXX demands that I pay XXXX for 3 months due to their error, it went unpaid due to lack of funds. 

Midland Mortgage took over my account and I also took in a roommate to help with that note. I had XXXX  XXXX in late XX/XX/XXXX which didn't help matters. 

I began to pay the XXXX. After those 3 payments were past, I began paying the XXXX a month payments while being considered for a FHA Home Affordable Modification loan. I kept my payments coming in. 

In XX/XX/XXXX, I was notified that my application was approved. And payments of XXXX would need to be made from that point on til XX/XX/XXXX. Which I completed. 

I was notified in XX/XX/XXXX that I was approved for the FHA Affordable Modification Loan Program to be effective XX/XX/XXXX. Payments of XXXX. All would be caught up and a zero negative balance. 

XX/XX/XXXX and XX/XX/XXXX are paid. My credit report should reflect this. 

My Credit report states that I did not make my mortgage payments at all. Lord knows I did. I need to have this credit showing. 

I have included all of my receipts for the payments that I made. I realize that I was behind from not paying XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX however with Midland Mortgages help I was able to get back on my feet again. One does not set out to purchase a home to just lose it a year later. 

Thank you for your time. God Bless
Product: Payday loan, title loan, or personal loan

I took a loan in XX/XX/XXXX for {$1000.00} online. The money was in my account the next day. But I never received the paperwork I signed. I called but never answered. So I emailed them a few times asking what is my percentage and got a email about 3 to 4 days later. Thats when I saw my percentage for 785.55 %. I already used the money. So I emailed them ill pay my {$1000.00} but not more then that. I have XXXX asking me to pay {$2000.00}. I made 2 payments for {$320.00} on XX/XX/XXXX & XX/XX/XXXX.
Product: Bank account or service

I opened up a no monthly fee account " VNB ( R ) MY CHOICE CHECKING '' with Valley National Bank but last month they converted the account to " PERFECT CHECKING '' and charged me $ XXXX monthly fee without any notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im currently in the process of trying to buy a home and when looked at my credit report I noticed late payments are reporting which is stopping me from buying my dream home In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : 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 card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I have tried to use the AMEX gift card at XXXX XXXX, XXXX and XXXX. Both XXXX XXXX and XXXX took {$0.00} out, but then the card was declined for a {$100.00} purchase. I have {$130.00} in the account. XXXX XXXX has now said on their website that these cards can't be used on site. But offers no way to purchase special order items ( that have to be shipped to store ) to be picked up at a store. XXXX does not have any kind of warnings. XXXX took my information, but it couldn't be processed. 

I tried adding to XXXX, XXXX refused it also. 

I was successful at another on-line retailer ( XXXX 's XXXX ). 

I called the number on the gift card but there's no information on how to talk to a representative. Website provides infomation on how to add card details but no way to contact AMEX.
Product: Debt collection

XXXX XXXX I received the email from XXXX XXXX with proof of verification of debt from BMO Harris Bank. I responded to the same email XX/XX/ asking for proof of validation of debt. XX/XX/. I then emailed again requesting proof of validation of debt with no response to neither email with the appropriate documentation. I didnt requested that this collection be ceased as they do not have the appropriate documentation to prove the validation of this debt claim to be mine.
Product: Credit card

I received a Capital One Platinum Mastercard in the mail with all the usual verbiage about privacy terms of use, etc. on XXXX XXXX, 2016. I have never requested a card from Capital One and do not want this one. A day later, on XXXX XXXX, I received a badly printed letter advising me that a fraudulent account was opened in my name and that I needed to call and verify if it was me because I might be a victim of identity theft. This letter contained the last XXXX digits of the card number and my name, which was misspelled. Upon receiving the letter, I did a search on the phone number listed and discovered that it was a common scam. I have not activated the card but I am concerned someone is trying to use my personal information to open accounts in my name.
Product: Credit card

Citibank closed my Macy 's and Home Depot accounts in retaliation for my request for a discharge on the Sears Mastercard. Both accounts were in good standing and the Home Depot account had a XXXX balance. Citi discriminated and retaliated for a prior complaint I filed with the CPFB in reference to their illegal refusal to remove a late fee from the Sears Mastercard and their default in dishonor for refusing to discharge or mutually offset the balance on the Sears Mastercard. ( The complaint was filed on or about XX/XX/23 and the accounts were conveniently closed on or about XX/XX/23 ) Citibank claimed they perform routine credit checks with XXXX, however I never gave them permission to check my credit. In addition the routine check was purposely done earlier than what it should have been. These checks are usually done every six months. In these cases, they did the routine check right after I filed a complaint for calling them out for their refusal to do a discharge or mutual offset on the Sears Mastercard. Citibank never provided a notice of dishonor from the US Treasury or any federal laws that refute the request for a discharge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX is reporting inaccurate information. FCRA laws states all information must be 100 % accurate with all credit bureaus 1.Date Opened 2.Date of Last Activity 3.Balanced owed 4.Account 5.two-year payment history 6.credit limit this account is
inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. 
pls remove or delete account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I filed a CFPB complaint # XXXX, In pure regards to the validity of a unverified debt XXXX XXXX XXXX stated that I owe. 

On my credit monitoring service today on XX/XX/19 I received a notification that there was a decrease in a collection account that I supposedly paid XXXX XXXX XXXX at lease {$1.00}. I have never contacted this collection agency directly outside of this platform " CFPB '' to address my concerns. 

This company has reported to Transunion according to my monitoring service that I personally made a payment towards this account which never happened. 

Therefore, I'm asking for XXXX XXXX XXXX to provide proof of payment and method of payment made by me as reported to Transunion.
Product: Credit card or prepaid card

I had attempted to start building my credit, bank of america helped me open my first line of credit, a secured credit card. I never received notice of payment deadlines coming near until I had late fees noted on my online account and phone calls from collections. At the time I was struggling to pay my bills on time and after 30 days bank of america closed my account and hurt my credit report claiming my history as delinquent, and late on payments. I payed off my secured card as soon as I was noticed of the closed account.
Product: Payday loan, title loan, or personal loan

I have a loan with HEIGHTS FIN with account number XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2020. The XXXX and Credit Bureau are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was a sent a letter asking for validation of debt and never responded. This debt does not belong to me and should be removed.
Product: Mortgage

Annie-Mac promised us we could close on our home XXXX XXXX. XXXX XXXX we get an email ( not call ) saying someone screwed up numbers and they are doing their best to correct and make the closing happen. That issue was resolved, but not in time, had to reschedule everything for Friday. Get an email today ( XXXX XXXX, no call again ) XXXX, need a XXXX form from XXXX 's employer in order to hopefully close by Friday XXXX XXXX. I asked why this was addressed weeks ago? My employer is out of town and ca n't get the XXXX form out for a few days. This is one of the 1st things that needed to be done in order to get the mortgage! I do NOT trust Annie-Mac at all.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I discovered information on my credit report that was not mine some addresses and accounts I then on XX/XX/2023 sent certified mail an identity theft dispute the credit reporting agency has failed to provide accuracy to my credit report by allowing fraud to be reported
Product: Credit reporting or other personal consumer reports

I disputed some negative information on XXXX, XXXX, XXXX and they did not do an accurate investigation of these items. As, a result I ask that they be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXXXXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX  XXXX never late XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/23 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, amount {$4100.00}, this is not my account, it was deleted XX/XX/XXXX now it's back on my credit report
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. 
I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX