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

i have had an account showing late payments and charged on my credit report. i have requested this fraudulent account to be removed atleast 9 times yet its still displaying on my credit report this account does not belong to me. i did not open this account please remove this account from credit report. 

XXXX XXXX CREDIT LINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruadlent accounts appearing on credit reports. 

1. XXXX {$2200.00} 2. XXXX XXXX XXXX XXXX {$16000.00}
Product: Vehicle loan or lease

This auto loan was a joint account. Opened in XX/XX/15. And we contacted the loan company to resolve this once the other party took over the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

there were some strange accounts on my credit report that I have no knowledge of. Ive never agreed to these accounts 1. fed loan XXXX - {$2200.00} 2. US /DEPT OF ED/XXXX - {$1100.00} XXXX 3. US DEPT OF ED/XXXX - {$1100.00} XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the multiple unsuccessful attempts to remove late closed and charged-off accounts from my credit report. Despite numerous requests and efforts on my part, these derogatory marks remain, significantly impacting my creditworthiness and financial standing. 

To provide context and a timeline of events : In my initial communication, I provided detailed information and documentation to support my claim that these accounts were inaccurately reported and should be removed from my credit report. 

Despite assurances of resolution, no action has been taken to rectify this issue. 

Frustrated by the lack of progress, I made subsequent attempts to have these derogatory marks removed from my credit report. However, each attempt has been met with delays and unsuccessful outcomes. 

The presence of these inaccurately reported late closed and charged-off accounts is significantly impacting my creditworthiness and financial opportunities. I have diligently followed the necessary procedures to address and rectify this issue, yet it persists, causing undue hardship and frustration. 

I urgently request that you take immediate and decisive action to investigate and remove these inaccurately reported accounts from my credit report. I expect a swift resolution to this matter, including the complete removal of all late closed and charged-off accounts within [ Revised Timeframe ]. Additionally, I request regular updates on the progress of this matter to ensure transparency and accountability. 

If the inaccurately reported accounts are not removed from my credit report within the specified timeframe, I will have no choice but to explore further avenues of resolution, including seeking legal remedies to protect my rights as a consumer. I trust that such actions can be avoided, and I hope for a timely and amicable resolution. 

Please treat this matter with the urgency and seriousness it deserves. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
XXXX XXXX Balance : {$810.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting or other personal consumer reports

My old best friend, my ex best friend I guess used my info to open accounts up in my name. I did the identity site forms and I can attach those.
Product: Debt collection

My recent credit report is showing unverified, and unauthorized collections that I never had a chance to dispute. The collections are from XXXX XXXX XXXX, and XXXX XXXX XXXX. By law I am owed proper credit reporting according to the FCRA. 
I am requesting debt validation for these collections because I never received written communication. In this debt validation I am asking for detailed list of my history of payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of Title to collect in this debt, also asking to see if there had been insurance claims filed on these accounts. With out providing proof, these accounts should be removed from Experian, XXXX, and XXXX immediately.
Product: Credit reporting or other personal consumer reports

My chief complaint is the inaccurate reporting of XXXX XXXX XXXX XXXX  bankruptcy on my consumer credit report. The year that it is reporting is outdated ( XXXX ) the other bankruptcy is from XXXX ( I changed my mind about proceeding ). I have contacted XXXX XXXX and kindly ask them to surpress my information from their database because they have been identified as a data furnisher. Also have contacted XXXX XXXX to have my information removed, to no avail nothing has been deleted. I even produced a notarized document from the federal court in XXXX Ga that deals with bankruptcies and it clearly states that the court does not have jurisdiction over credit reporting agencies so why are they reporting bankruptcies?
Product: Credit reporting or other personal consumer reports

Subject : Dispute Related to Social Security Breach Dear Sir/Madam, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in 2024. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that may have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance. Sincerely, XXXX XXXX Account Name 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: 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 6,0 financial loss, and I seek appropriate redress ( 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 or other personal consumer reports

My account with TransUnionwas never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 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 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. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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 card

On XX/XX/24 I made a purchase through XXXX for XXXX XXXX tickets. This purchase should be eligible for 5 % bonus rewards in accordance to Chase Flex card quarterly promotional program. I have receipts from both XXXX XXXX XXXX XXXX proving this purchase but Chase falsely denied that and argued that I made the purchase directly with XXXX and not through paypal. I have tried opening a case to have Chase investigated but they disproved my receipts, closed my case and stated that my purchase was not elegible. I continued to call and asked for help multiple times without any resolution. I intentionally use my Chase credit card instead of my many other credit cards to make such purchase because of what was promised, but now I felt being cheated and lied to by a big corporation. I want to file a complaint against Chase business conduct and false promotional program, thus alerting everyone of their lack of professionalism and poor customer service
Product: Credit reporting or other personal consumer reports

Good morning on XX/XX/2023 I requested an investigation for my consumer report because I noticed an account that was reported inaccurately. XXXX is furnished with data that does not match across all the consumer reporting agencies. I also received a response from the bureaus refusing to complete the investigation. This has caused extreme damage to my reputation. I have evidence that I am not responsible for this account and I can also prove that the courts determined the party responsible for this item. According to the FCRA 15 USC 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information the item must promptly be deleted from my consumer report based on the results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX (account XXXX) that was foreclosed.  The mortgage had been passed to several other sources including XXXX XXXX XXXX (account XXXX).  The first delinquency prior to charge off was prior to XX/2011.  But it has been passed around so many times that each company updates the date of last activity to when they got it.  These accounts are OUTSIDE FEDERAL OBSOLESCENCE. and need to be removed.  I have disputed them with the three credit bureaus and they have remained.
Product: Credit card or prepaid card

I went to XXXX XXXX I had XXXX XXXX  done. I had it done twice and paid in full. They recommended a third time. I opened a charge account there. I made an appointment but ended up cancelling it. In the mean time XXXX XXXX charged my account. They told me I would have to wait in between sessions. I had the last session in XX/XX/XXXX it was fully paid for. The third appointment I cancelled but they charged the account with out waiting until I had the procedure done. XXXX XXXX  will not pay the amount they charged back to the credit card company. I did not get it done and stuck with the bill. Can you please help.
Product: Debt collection

I got a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with monthly installments I was paying everything on that this was in XXXX come XXXX of XXXX had a bit of misfortune I was XXXX  which payment stopped after that month was my last payment I come home XX/XX/XXXX and Im trying to get my phone back on I forgot the Lock Screen code took a couple of to get that right called all around trying to fix the problem when I find out who the XXXX party collection was called them like the XXXX week of XXXX explained my situation again asking to set payment plan no they want it in full I stressed that I couldnt come up with that when I only had XXXX left to pay on phone for it to be mine anyway still nothing they wanted it in full I exhausted all my resources like I told XXXX XXXX XXXX record show I was a excellent customer until my misfortune happened and I cant get any leniency what was I a good customer for XXXX I only owed XXXX XXXX dollars on my bill when I got incarcerated come home on XX/XX/XXXX they want {$1200.00} how thats so unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, I mailed Equifax about a medical debt reporting to my consumer report. Equifax have failed to show on my consumer report that this alleged debt has been disputed. Equifax has also failed to provide me with the Name of the Creditor to whom is reporting this false information. I have asked Equifax to PLEASE PROVIDE THE CREDITOR NAME TO WHOM YOU ALLEGEDLY SAID I OWE. I WILL NEED YOU TO PROVIDE TO WHOM YOU TALKED TO, THE TIME AND DATE, AND PLEASE PROVIDE ME A COPY OF A RELEASE FORM GIVING EQUIFAX PERMISSION TO REPORT MEDICAL INFOMATION TO MY CONSUMER REPORT. Equifax is violating the HIPAA Laws and my right to privacy.This is a violation of my right pursuant to15 U.S. Code 1681i. This has cause a great hardship and stress.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to one of the Home Depot location in XXXX XXXX XXXX to purchase materials for a fence and patio enclosure project. While checking out, the cashier suggested that I apply for a Home Depot credit card to take advantage of 12 months 0 % interest promotion. I applied, application was approved and I funded the project through the card. Ive made on time payments and was NEVER late. On XX/XX/XXXX I called to payoff my balance in full but was told my balance that was {$2000.00} had increased to {$4200.00} due to backdated interest. 

Ive never in my life heard of such condition when it comes to promotional interest. Like all bank credit cards, I was under the impression at the end of the promotional period Ill be charged on interest on the current balance not on what the balance was before I paid it down. The problem with this is that the cashiers are instructed to push these cards without providing proper explanation to customers ( not their fault ). In banking, When a banker or credit card specialist have a customer apply for a credit card, theyre required to provide the proper disclosures and go over the terms of the card before customer agrees to move forward with the application. Why isnt Home Depot held to the same standard when it comes to their cashiers selling/recommending their credit cards? 

Finally, after many failed attempts in trying to work with Citi/Home Depot to pay off my balance without the ridiculous amount of backdated interest, the card was charged off and sent to collections. I settled the account on XX/XX/XXXX to bring it to 0.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccuracies related to the account listed below : Account Name : XXXX XXXX Account Number : XXXX This account is inaccurately listed as a charge-off with several late payments, including 30, 60, 90, and 120-day delinquencies. I strongly believe this information is incorrect and unfairly impacting my credit score.

I respectfully request that this account be reinvestigated for accuracy. The inconsistencies are affecting my financial opportunities and costing me thousands of dollars in interest. Additionally, not all credit bureaus are reporting the same status for this account, which further indicates potential inaccuracies.

As a fair resolution, I request that this account be corrected to accurately reflect my payment history. If the account can not be verified within the required timeline under the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report.

I am attaching supporting documentation for your review, including the credit report entry and other relevant evidence. Please investigate this matter thoroughly to ensure compliance with 15 U.S. Code 1681i and 15 U.S. Code 1681e ( b ).

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries so please remove them expeditiously. 

XXXX XXXX, XXXX  XX/XX/20 XXXX XXXX  XX/XX/20 XXXX XXXX XXXX XXXX  XXXX  XX/XX/20 XXXX XXXX  XXXX  XX/XX/20 US SM BUS ADMIN ODA XX/XX/20
Product: Credit reporting, credit repair services, or other personal consumer reports

On the month of XX/XX/2019, I found a collection account on my credit report which I have no knowledge of. I sent a request for debt validation on XX/XX/2019 addressed to XXXX XXXX XXXX. This company never sent me any proof whatsoever in regards to the collection account which in turn they are reporting to Experian and it is damaging my credit which affects in so many ways. After waiting over 30 days for a response from this fraud of a company, I never got one! Finally I decided to dispute through Experian thinking they would demand this company to show proof or validation but they are also a big disappointment since they just verified and said the account would remain on my report, just like that whitout any proof, incredible? When I contacted Experian I did it in writing through the United States Postal Service certified mail and provided them with copies of all the letters I had sent XXXX  along with proof of signature receipt from the USPS, and they only answered me through online, and never provided any evidence that these people have a legitimate right to be reporting this adverse information on my credit report. They have never provided debt validation which is my right under the credit protection laws. I would like for you to please investigate this matter and get Experian to remove this information from my credit report as soon as possible.
Product: Mortgage

Applied in XX/XX/XXXX with XXXX for rate/term. All info originally told to me as far as rate and fees was a bold faced lie. I was told NO FEES at all and 2.9 rate. When LE sent there was several thougsand in fees above and beyond title fees. No calls no responses to inquiries until end of XX/XX/XXXX. Final CD never sent for review even after repeated request. When CD was day of supposed closing and it was incorrect. NO final CD sent, closing was no call no show. No final CD has been given to me in advance, at least not one that resembled what was told to me, and no advance notice on closing. When speaking to lender on XX/XX/XXXX and title agent, based on their recommendation we rescheduled closing for XX/XX/XXXX XX/XX/XXXX roles around and spoke to lender and closer and was awaiting closing. No call no show again from lender, however closer had the courtesy to reach out and say lender cancelled last minute. When I get processor and LO involved, the rate expired. They sat on this for a week, scheduled closing and intentionally let rate expire to further delay this debacle. Literally sat on the file for a week and waited until 10 minutes before closing to tell me this. The practices of this lender have resulted in numerous TRID violations, not to mention the appearance of multiple unfair, deceptive, and abusive practices including false advertising, saying no fees then charging fees and not following TRID rule. There are numerous UDAAP and TRID violations. I would have to imagine this treatment is not reserved for only me, but others are experiencing it too. In addition to the above, no one could give me a correct LE or CD based on what I was told I advance and once they actually did they cancelled closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My private information has been shared without my authorization to release it
Product: Mortgage

My mother passed away in XXXX of XXXX. On XX/XX/XXXX her condo was sold and the mortgage was paid in full. At the time of closing we paid all taxes on the property and were to be reimbursed by the lender ( Truist Bank ) for the {$1200.00} in the escrow account. 
The title company provided Truist with the new address for the escrow check. They ignored the request and sent the check to the old address. 
After 30 days of not receiving the escrow check I called Truist and they stated that since I was not on the mortgage they would have to send me paperwork. I did the paperwork and sent it back in. After multiple requests from Truist for additional information they finally mailed a check to the proper address. The check was dated XX/XX/XXXX. I then received a check a day or 2 later for a check dated XX/XX/XXXX. 
I called Truist on XX/XX/XXXX to find out which check that I should be depositing they told me there was a stop payment on the check dated XX/XX/XXXX that I should deposit the check dated XXXX/XXXX/XXXX. This check was deposited on XX/XX/XXXX. 
On XX/XX/XXXX the bank reached out to me and stated that Truist had cancelled the check and that I would then be charged the check cancellation fee in the amount of {$10.00} and the {$1200.00} would be removed from my mothers trust account. 
As of today XX/XX/XXXX it has been 72 days since we have sold the property and paid the mortgage in full and we have not received an Escrow return check that is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was an old loan and was paid and closed in full back in 2013. I did have issues with the balance and paid the payments biweekly until paid and then closed. I had to dispute this a long time ago and the last credit report that I had did not list that on there so this just popped back up. It has already been paid, closed, disputed, removed and now it's returned back on there again.
Product: Vehicle loan or lease

I paid off my XXXX XXXX XXXX on XX/XX/XXXX in full. The DMV was notified on XX/XX/XXXX that the lien had been removed, however, I am not able to log into my online account and download past statements, I have not received a single copy of a statement, and I have not received any closing paperwork from the issuing bank.