23daVinci/CFPB_Complaints huggingface dataset:
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 corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/2003 ; XXXX XXXX XXXX XXXX Balance : {$57000.00} ; XXXX XXXX XXXX Balance : {$10000.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ) specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Forthermore, 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 inconveniences and finical losses, and I seek appropriate redress for these actions.
Product: Debt collection

I made a purchase at The Home Depot at XXXX XXXX XXXX, XXXX Fl. on XX/XX/2019 and at the same time applied for a Credit Card. I made it clear that I was paying for the product with my Debit Card and was not charging anything on the credit card. I paid with my debit card and the cashier also put the same purchase on the credit card. I have called Home Depot corporate office, been to the store twice, called the credit department twice, written the credit department but to this day, The Home Depot will not remove the charge from the credit card. The purchase was for {$82.00} and now with late fees the balance on the card is {$150.00} and they continue to send me a bill in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and i am quite upset at the inaccuacies you are reporting in my personal information. 

Under the federal law, you have 30 days from the purpose of this credit repair letter to re-verify these entries. It should be understood that faukure to do so within a thridy- day period constitues reason to promptly delete the information from my file FCRA 15 USC s1681i ( 5 ) ( A ).

Also, pursuant to USC s1681i ( 5 ) ( A ) of the fiar credit reporting act. please notify me when the items have been deleted. 

Immediately remove all negative and inorrent information on my credit report listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX rights XXXX 15 U.S.C 1681 section 602 A. States I have the rights 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

This reason I am filing this complaint is to request an investigation into Bank of America mortgage company reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage company are reporting the incorrect year of XX/XX/XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency occurred in the month of XX/XX/XXXX. I am requesting that Bank of America correct the fraudulent information being reported to all credit bureaus into my credit file ASAP.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off an account which was XXXX, Comenity bank was the collections. I settled the account for {$2000.00}, been 2 months and still shows on credit collections. Never entered to credit report. Was also told that I would recieve a letter stating that account settled, never did recieve such letter.
Product: Credit reporting or other personal consumer reports

Verification of Accounts Dear CFPB, I am writing to formally dispute the accuracy and completeness of certain items on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following accounts to verify their accuracy and validity. 

The accounts in question 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 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  As well as. 

I have never worked for XXXX XXXX XXXX This needs to be deleted from my credit report. 

I have reviewed my credit report and believe these accounts contain errors or inaccuracies. I request that you investigate these items, verify their legitimacy, and provide me with documentation supporting their accuracy. If you can not verify the accounts as accurate and complete, I request that they be removed from my credit file immediately. 

For your reference, I have attached copies of my credit report with the disputed accounts and beginning account numbers, as well as any supporting documentation. Additionally, I have enclosed a copy of my identification and proof of address to verify my identity. 

Please provide me with the results of your investigation in writing. If any changes are made to my credit report, I request that you send me an updated copy of my report reflecting those corrections. 

I appreciate your prompt attention to this matter and look forward to your response within the 30-day timeframe allowed by law. If you require any additional information, please contact me at the phone number or email listed above. 

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

XXXX XXXX XXXX / XXXX Unauthorized use of my credit. 
Violation of U.S.C. 1681b. 

Which, Prohibits a person from using or obtaining a consumer report, " unless ... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished by the consumer. 

My name is not and never was XXXX which is associated with this fraudulent account. 
I never lived at the address XXXX XXXX XXXX XXXX XXXX, VA which is associated with a fraudulent account. 
The anccount obtained and the information published on my report regarding this information is an act of Identity theft. 

This is a notice of Identity theft! 
Reporting information that involves identity theft is a violation of the FCRA. Knowingly reporting after notice is also a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Loan with account # # # # # # # opened on XX/XX/2017 and a balance of {$0.00}. 

Account is reporting XXXX diffrent dates of last activity., there are XXXX different account STATUS, XXXX XXXX reporting a DEROGATORY, while EQUIFAX XXXX a PAID account. XXXX different last payments, you are reporting a CHARGE OFF/COLLECTION with no LATE Payments reporting. while EQUIFAX is reporting XXXX also with no late payments reporting. if it's the same account being reported by the same creditor why is this different?
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX {$1000.00} XXXX XXXX {$2600.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent a XXXX complaint to XXXX XXXX XXXX due to an inaccurate and incomplete collections account on my consumer report. XX/XX/year>, which is over 5 days of initial communication with the consumer, and nothing was sent to me in the mail. This collector provided me inaccurate and incomplete validation letter and did not provide me with any information or disclosures stating I have received any information provided by them. Or any detailed information regarding reporting this account on my consumer report inaccurately. There were laws violated as well. In this case, I submitted another CFPB complaint on XXXX XXXX complaint ID XXXX. Due to them not removing the account or fixing the issues and violating laws. XX/XX/year> debtor responded they need more time. Now this account has been given to another debt collector without my permission. XXXX XXXX has not completed this complaint with me yet. And already given away my information. This is really giving me anxiety and stress. This debt collector is violating laws. 
The Fair Debt Collection Practices Act XXXX  XXXX XXXX REFORM AND CONSUMER PROTECTION ACT Truth in Lending Act I do not understand why EXPERIAN, XXXX, XXXX is allowing this debt collect report to my consumer report. Please remove as soon as possible. 

The FCRA gives consumers many important rights when it comes to the information that consumer reporting agencies collect about them. It requires consumer reporting agencies ( including the XXXX major credit bureaus ) to make sure the information they collect and share is fair, accurate and kept private.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the incorrect status on my account that has been reported by your institution to the credit bureaus. I have discovered that my credit report shows late payments on my account, which is inaccurate and unjustifiable. To make matters worse, each credit bureau shows a different delinquent status and wrong information. 

I have contacted your institution several times to address this issue, but to my dismay, I have not received any assistance or resolution to this problem. Despite my persistent efforts to seek clarification and have this issue rectified, I am still being disadvantaged by this error. 

I demand to be provided with all the proof of my investigation and the proof of the negative payment status for this account. If the negative information in this account can not be deleted, then it must be corrected immediately to reflect the true status of my account. 

As a responsible borrower, I have always made timely payments and have never missed any payments. Therefore, it is unfair to have my credit score and reputation tarnished by this incorrect information. The incorrect reporting has caused significant stress, anxiety, and financial hardship. I believe this error has negatively impacted my credit score and has disadvantaged me in securing future credit or financial opportunities. 

I am requesting that your institution and these credit bureaus take immediate action to correct this mistake and update the status of my account to reflect the correct information. I also expect written confirmation from your institution and the credit bureaus involved to acknowledge the correction. 

The attachment below shows all three credit bureaus showing wrong and different late payments status. 

I urge you to take this complaint seriously and take immediate action to rectify the situation. I hope to hear from you soon with a resolution to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX  credit card that went to collections, it was sent to Jefferson capital services, then sent to XXXX XXXX XXXX for payment. I settled this account and gas been paid since XX/XX/2022. It is still showing on credit reports as being unpaid. I contacted XXXX XXXX XXXX  and they told me I needed to contact Jefferson capital services, then I contacted Jefferson capital services and they told me I had to contact XXXX XXXX XXXX since that is who collected the payments. I just want XXXX  removed from all 3 of my credit reports since it has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number : XXXX - {$230.00}, XXXX, XXXX account number : XXXX - {$200.00}, XXXX XXXX XXXX account number : XXXX - {$280.00}XXXX XXXX XXXX XXXX account XXXX, XXXXXXXX XXXX  XXXX account number : XXXX - {$65.00}, XXXX account number : XXXX, XXXX XXXX account number : XXXX - {$420.00}, XXXX XXXX  XXXX XXXX account number : XXXX, XXXX XXXX account number : 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX, I HAVE SUBMITTED OVER 5 DISPUTE LETTERS TO EQUIFAX, XXXX, AND XXXX THEY ARE CLAIMING THAT MY DISPUTES ARENT GOOD ENOUGH FOR THEM, CAUSING ME SEVERE PAIN IN LIFE, I CAN NOT LIVE THE LIFE I WANT WITH THESE FRAUDULENT ACCOUNTS ON MY CREDIT, I AM HOPING THE CFPB CAN ENFORCE SECTION 605B OF THE FCRA. I HAVE SUBMITTED ALL DOCUMENTS REQUIRED FOR THE DISPUTE TO BE TAKEN SERIOUSLY ... ..ID, SSN, FTC REPORT XXXX STATEMENT OF ID THEFT. I WANT THIS RESOLVED. I HAVE CONNECTIONS AND POPULAR TV OUTLETS AND LARGE AUDIENCES WHERE I WILL SLANDER THE NAMES OF EQUIFAX, XXXX AND XXXX, ALONG WITH GETTING A LEGAL TEAM TO SUE!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 & XX/XX/2016 there was at least 12 inquiries from a vehicle loan that I didnt authorize. I have followed up with Transunion and XXXX  and even placed an identify fraud alert on my account. I also stated to them that my drivers license were duplicated at my local dmv. I had a fraud placed on my account at that time as well.Im only asking to remove the inquiries from my credit report in the month of XX/XX/XXXX and XX/XX/2016. With those inquiries on my credit report it is making it difficult to obtain credit. There is probably a total of 12 inquiries in those months. Please investigate and properly remove from credit report.
Product: Money transfer, virtual currency, or money service

You know, theres always a risk and that understandable but when you're making deals for parts in a forum you hope people are legit, followed the rules and don't ghost you. I was looking for the XXXX XXXX springs and I had posted in the For sale post about the springs. No response right, then I get a message with the email of the guy/girl selling them so I made the inquiry. Get a quick response from [ EMAIL ] XXXX [ /EMAIL ] and tells me the springs are still available. I figured they were gone and i'll take the blame for not verifying more. We made a deal on the price plus the shipping to my location. Both agreed and the money was sent. All seemed to go well. Then later that evening I receive an email telling me that the shipping was much more than expected and was asked for {$50.00} more. HOLD UP, I know theres no way it's {$75.00} to ship those, especially since he originally wanted {$150.00} and then dropped the price to {$120.00}. I responded with " we made a deal and I could have bought them cheaper from a site as we agreed on {$200.00} shipped, send them the less expensive method. '' I then get some response about trying that and they would be shipped out Monday. Well, here it is Wednesday and numerous emails later with no responses. 
The alternate email I have for him is [ email ] XXXX [ /email ] I am assuming at this point I have been ghosted and at a loss. Not sure theres anything anyone can do but I wanted to let the community know of this shady character. 

Here is the Original Thread [ URL unfurl= '' true '' ] https : XXXX [ /URL ]
Product: Credit card or prepaid card

I have been in contact more than once regarding the promotional offers and credit line offers proposed by Capital One. I have been a customer for nearly 20 years. I have not been extended any credit offers during this time. I spoke with more than one agent and they explained that capital one does credit offers based on credit worthiness every 6 months. I complained in XXXX of 2022 how I never have been extended this offer. It is overt discrimination as they have over looked my account to extend any upgrades or offers. However many of my friends that are not of my XXXX  or XXXX have been extended offers. They recently sent me an email asking for my income to be updated and in the email they referenced that they wanted updated income to extend offers. However I update income annually for them and never ever has received an offer. This is clearly a violation of human rights and is false advertising. I submitted a request for an explanation from them and have not yet received any feed back or follow up. Also I feel that this is clear discrimination and the actions should be dealt with accordingly. In looking back over time I have always been overlooked for offers and credit extensions. My credit score, credit history have always been stellar with capital one so I am not certain of why they are discriminating against me. I would like feed back and a clear explanation along with a solution.
Product: Credit card or prepaid card

This complaint is against XXXX XXXX XXXX  XXXX XXXX and its XXXX XXXX XXXX. I have mailed three letters concerning this matter to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ; and one letter concerning this matter to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX XXXX I have received no satisfactory reply from them. 
This situation arose in early XX/XX/2021, I think. The reason that I am not sure of the date is that I never received an invoice for the purchase. When I bought the tires the salesman at XXXX told me that if I took out this XXXX credit card I would receive {$50.00} and there would be no payment due and no interest charges for one year. That may seem like an unlikely offer, but considering how low interest rates were, it was believable that they would make such an offer to get me to take out this credit card. I should not have accepted this offer, because it turned out to be a misrepresentation on the part of the salesman. At the time, after getting the tires on my car, the salesman told me the computer was down, and they would mail me the invoice. The salesman may have lied about this. I never received an invoice or notice of the amount that was charged for the tires. It turned out that they did not have this information either. In a letter to me they asked me for the invoice which I did not have. I mailed Check number XXXX, dated XX/XX/XXXX, to them for {$850.00} which was supposedly for the tires, but I think this amount was inflated buy at least {$51.00}. After that I kept getting billed for interest which, I do not believe I owed. 
I mailed Check Number XXXX, dated XX/XX/XXXX, for {$29.00} interest, and Check Number XXXX, dated XX/XX/XXXX, to them for {$58.00} for interest and fees. Each letter I told them that I did not believe that I owed them money, and asked to have the fees and interest, and the credit card cancelled. All I got in return was more bills and charges. In reply to my letter to them in which I sent them Check number XXXX for {$29.00}, I received a bill for a fee of {$40.00}. In all I have paid {$87.00} in fees and interest. 
I believe that I have been over charged for the tires and should not have had to pay interest or a fee. Where is the invoice for the amount they charged me for the tires? They should refund me for the fees and interest ( {$87.00} ) and the excess that they charged me for the tires ( at least {$51.00} ). Where is the invoice?
Product: Credit reporting or other personal consumer reports

Do not confuse my credit file with those of individuals with similar names, addresses, or SSNs. Verify all identifying information thoroughly. ALL claims, regardless of their nature, must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and compliant with all applicable reporting laws and standards, which currently include the FCBA, FCRA, FDCPA, XXXX XXXX COMPLIANCE STANDARDS, among others. 

According to laws and reporting standards, you or any entity are infringing upon my rights if you continue to retain and/or report any misleading information despite my formal consumer complaint. Therefore, immediately and completely remove any and all allegations that can not be clearly demonstrated as true, correct, complete, timely, mine, my responsibility, or fully compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following loan below were taken over By XXXX yet both XXXX and XXXX XXXX XXXX  are reporting them on my Equifax Credit Report. How is XXXX XXXX still reporting these loans to Equifax when they are no longer the servicer of the loans? XXXX is currently reporting these loans to Equifax as well therefore I am showing double the obligation on my Equifax Credit Profile. 

XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$900.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$13000.00} In good standing XXXX  XXXX  XXXX Reported : XXXX XXXX, 2023 {$23000.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$17000.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$740.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, 2023 {$13000.00} In good standing
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/XXXX for an Auto loan that was paid off in a bankruptcy that i had filed. The Company i had the account with was XXXX XXXX. I provided actual court documents which say i have completely paid off the loan for the car and the last dispersement to them was XX/XX/XXXX. I gave them transaction dates were every date the got paid from the trustee from the bankruptcy. All these files are all public access online and my lawyer. The last date on the dispute that says that they have received payment on the account was XX/XX/XXXX which was the last dispersement. They show no other payments at all. They say i only made 3 payments and i XXXX. Transunion, XXXX, and XXXX all have the account with the balance as XXXX or XXXX and that's not right. The balance is actually paid off and i would like my reports to reflect that.
Product: Checking or savings account

CapitalOne is using a third party company to process and run money through for deposits and XXXX  XX/XX/XXXX they experienced and issue with this vendor that has no authorization to myself for using my account that caused my direct deposit for XX/XX/year> to still not be deposited at XXXX XXXX. Long call times with zero resolution. No updates since XX/XX/year> for resolution time