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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$910.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$10000.00}
Product: Credit card

I paid out the account on XX/XX/24. 
XXXX gave a refund of {$31.00} on a few days later. 
I can not get my credit refunded of {$31.00}. 
Nor can I get a gift card for the XXXX, XXXX points that I had earned. 
Representatives kept hanging up the phone. 
Very nasty staff.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I've noticed discrepancies and fraudulent activities associated with the following accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling Equifax in order to get a copy of my report. They keep telling me they can not find an account associated with the information I have provided. I have sent in a copy of my social and ID and address to update any old information they have. They received the documents on XX/XX/2021 and still havent updated my information. I keep requesting my credit report and they will not give it to me ...
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial # XXXX is reporting a late I shouldn't have. I had just moved and they hadn't sent me any statements, by the time I got one it was too late and I had the late payment on my account. I would like for this to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 last year my student loans were paid off in full as I had them through XXXX XXXX XXXX. At that time, I emailed all the credit bureaus and ask them to remove it from my file.. my XXXX were removed and then two weeks ago the first week of XXXX I received an alert that something changed in multiple credit reports. XXXX put on all three credit report that I owe them XXXX However, this is the amount that was written off and I am confused as to why they put this back on my credit report and when I have called them multiple times I have a XXXX balance I do not owe them anything and XXXX customer service representatives have told me that my balance is XXXX. I have faxed them a letter asking them to remove this from all my credit reports and I have called multiple times. I cant log into my account because I have a XXXX balance so XXXXm having to deal with talking to someone and most of them dont even help me at all Because they have put this back on my credit report. It is now hindering me from getting a loan because I stated that all my student loans were paid off and now they put them back on and I dont owe them anything. Customer service is useless. No one returns any call or they say they will email me and they do not and I do not have access to the portal because I have a XXXX balance. I am going round and round constantly with these people asking them to remove it from my credit report because my debt was paid in full as I did public service loan forgiveness and I met my 120 payments with that loan and somehow this company decided to slap it on my credit report that I owe them money and then when I call them, they say you have a XXXX balance with us. I have asked him multiple times to remove it because I do not owe them anything they say I dont owe them anything but Im not getting anywhere and Im asking for some help. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously contacted the credit reporting agency 's to remove negative unverified information on my credit report that debt collectors have not been able to verify my account but reporting it to the 3 major credit bureaus XXXX, TransUnion, XXXX I have sent them copies from the collection agency unable to very these items but they reply to me verified as accurate i have asked for proof but all they send me is updates that are all the same.
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 Customer 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 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

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items 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 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 XXXXXX/XX/year>
Product: Credit card

Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year I request my " FREE '' annual credit report through XXXX XXXX XXXX. Every year it is the same thing. I can not access my free credit report from XXXX. I answer all of the challenge questions accurately and I get the response " We can not provide the report at this time. '' I had to pay for the credit report through Experian to get a basic look at my three credit reports, it was not free. I tried to file a dispute to XXXX and to XXXX  and was unable to do so online. Every year it is the same thing and it is complicated and time consuming. The credit Bureau 's do not play by the rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has erroneous/ false payment records they claim i was a customer of XXXX XXXX XXXX  from XXXX. 
however the record only reflects XXXX.
Product: Credit card or prepaid card

I sent a check to Chase Card Service, my check was from my account with XXXX. I received my monthly cedit union statement which shows that the check cleared my account. I called Chase credit card service to make sure that my account was up do date and i asked them what was the amounts that they received from me for the last 3 payments. I was told that they never received my check for {$100.00} dates XX/XX/19. I told the Chase Bank representative that my check cleared the credit union XX/XX/19. I was told by a Chase Bank representative to go to the credite union, get a copy of the back and the front of the check which i allegedly sent to Chase Bank. Chase Bank gave me a credit of the {$100.00}, they said that they would do an investigation on their end. I went to the XXXX  on XX/XX/19, one of the XXXX representatives gave me a copy of the front of the check, bowever she was unable to give me a copy of the back of the check. The XXXX representative also gave me a XXXX   tranaction letter with the XXXX letterhead which shows that check was cashed by Chase Credit card services. I faxed all of the XXXX documents on XX/XX/19. I called Chase Bank XX/XX/19 to inform them of the letters which i faxed to them. I also explained to Chase Bank that the XXXX representative was unable to give me a copy of the back of the check. A Chase bank supervisor told me that they still need a copy of the back of the check to verify that the check was sent, and that they need to see the information on the back of the check. I became upset, i told why do i need to keep running back to XXXX, i told the Chase bank representative that someone from their company cashed my check because you can clearly see that it went through my credit union bank. I do not believe that Chase bank managers so not believe anything that i told them about the check chich i sent them. They dis not inform me about the documents which i faxed to them to verify that the check cleared my account. At this point i feel like if i was not an XXXX XXXX, they would not be giving me such difficulty. Someone from Chase bank cashed the check which i sent to them on XX/XX/19. I believe that they are doing any sort of investigation on their part. It is my belief that some sort of fraudlent activity is going on with Chase Credit Card service. I am asking you if you can please help me, i am very sad that all of this is going on. I do not feel like i am a valued customer and i have done everything that was asked of me by chase, however they still continue to believe that i dis not send a chexk to thwm last month.
Product: Debt collection

I checked a copy of my credit report and realized that there was incorrect information on my reported from your agency, which I was not notified about. I do not agree with the debt. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt.I am requesting you to stop all activities including reporting this information on my credit report. I need you to report to the credit bureaus to delete this inaccurate information. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations. 

I have not received anything on this account with options XXXX XXXX XXXX XXXX XXXX ARC Management Group LLC for the amount of {$4700.00} I have not received anything this is not my account and I have informed them of that but yet the console report to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA TransUnion, They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of he FCRA and are outright refusing to uphold the law. 
Accounts XXXX XXXX AccountXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX # XXXX XXXX XXXX, TX XXXX XX/XX/2012 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$940.00} DP OF EDUC XXXX Balance : {$0.00}
Product: Debt collection

The collector needs to prove that this debt is accurate with records of the debt, that this debt can survive collection that they own this debt, and the extent to which they can collect. Without it, it must be removed. The account is MIDLAND CRED XXXX - the collection amount is {$1600.00}, The original creditor is XXXX XXXX XXXX and I do not have an account with this bank. This is not my obligation
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 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: Debt collection

I received a collections bill for {$3300.00} on an account that I know nothing about. 
I called the collection agency as well as the bank the account was registered and have been unable to obtain any information about the charges.I followed up with a registered letter to the bank to have information sent to me. 
I filed a report with the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months, I have written to Experian several times in order to correct an inaccurate account on my credit report. The information is being reported by XXXX XXXX with a partial account number of XXXX. The main issue is that Experian has not investigated my disputes, despite me providing relevant proof that multiple pieces of information being reported are inaccurate. 

In a letter I mailed to Experian on XX/XX/XXXX, I disputed this account because my report showed I paid on time in XXXX of XXXX, then I was 90 days late in XX/XX/XXXX. Obviously, this is not possible and the payment history for those two months is inaccurate. You can't go from paying on time to paying late by 90 days within a 30 day timespan. In addition, my XXXX credit report was showing a different payment history, which I included with my dispute. Experian responded by saying the creditor verified the information as accurate. However, the FCRA requires Experian to conduct their own investigation rather than simply " parroting '' what the data furnisher says. Because the inaccurate information was blatantly wrong, the evident truth is that Experian did not conduct any independent investigation whatsoever. 

On XX/XX/XXXX, I wrote to Experian again regarding this account in dispute. I again disputed that the account was 90 days late during the month of XX/XX/XXXX because my XXXX report was showing that the account was 90 days late during the month of XX/XX/XXXX, which is 4 months earlier than what Experian was showing for the same account. Because I provided new information, Experian was required to investigate my dispute again. Unfortunately, Experian responded again by saying the creditor verified the information was accurate. 

On XX/XX/XXXX, I wrote to Experian in order to dispute this account again. I had recently been informed by the creditor for this account that the entire debt had been discharged. The creditor sent me a 1099-C cancellation of debt form. I included the 1099 form with my dispute to Experian in which I disputed the balance and past due amount as inaccurate because I no longer owed the debt. Experian responded again by saying the information was verified by the creditor. 

I sent Experian at least 3 separate disputes, with plenty of proof, to demonstrate that they are maintaining inaccurate information. They failed to delete or correct the information. They failed to investigate my disputes and simply " parroted '' the creditor. They violated the Fair Credit Reporting Act multiple times and are unjustly damaging my personal credit rating by publishing inaccurate information about me to lenders. 

On top of that, Experian is now sending responses to my disputes entirely online, which I never consented to receiving. They are doing this in order to prevent future lawsuits because it gives them control over the proof of what illegal actions they are taking.
Product: Debt or credit management

XXXX XXXX XXXX XXXX  I was paying for credit repair service to Lexington Law Credit Repair Company. I provided my personal information, fee per month in exchange for professional help to repair my credit. My credit wasn't repaired during the time I was making monthly payments and after I stop making payments I didn't receive a refund for the unfinished service.
Product: Debt collection

I have not been contacted by  XXXX  (  XXXX  ), in regards to an email I sent in regards to this matter. I emailed several entites in regards tom this serious matter, including billing the wrong debit card, etc. The last contact was in regards to removing an incorrect email address. I have not heard from  XXXX  since my attached email.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS NOT WORKING on my original complaint about not getting access to my free credit report. XXXX has NOT CONTACTED ME BY ANY MEANS, neither EMAIL or TELEPHONE with the resolution to my complaint filed two weeks ago. ESSENTIALLY, they are STONEWALLING the CFPB and me. You must have some means of enforcement, like FINES and BLOCKAGES to get them to comply with the law. I believe FINES ARE BUILT INTO the free credit report law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are stating that I do not have the right to opt out when in fact XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are a financial institutions and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. Previous letters were sent as well with no response. 
I will be filing a lawsuit for improper reporting on XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If Experian, XXXX, and XXXX do not remove this information from my report, I will be filing a lawsuit on them as well. See attached documentation as proof.
Product: Credit card

We have had an Exxon Mobil credit card for several years. Inasmuch as we spend winters in Arizona and our mail has to be forwarded to us, we decided to reduce the number of credit cards that we use due to some issues with mail not being forwarded. It should be noted that we have been at the billing address since XX/XX/XXXX and forwarding should not be an issue. The last use of the card was done in XXXX 2015. We paid the statement that was due on XXXX XXXX, 2015, for {$1.00}. We did not receive any further statements until XXXX 2015. We were not concerned about the lack of statements thinking that the account was paid in full. The first that we were made aware of an outstanding balance was when we were contacted by a collection agency ( letter dated XXXX XXXX ), and then we received our XX/XX/XXXX statement ( closing date XXXX XXXX ) from Exxon Mobil which by then included hundreds of dollars in late fees. 

Since receiving the notice from the collection agency, we have made multiple attempts to resolve this issue with both XXXX XXXX and XXXX XXXX XXXX as to why statements were not sent until after large fees were attached to the original purchase. It took multiple calls to even obtain the original balance. Our efforts have been hampered due to Exxon Mobil 's policies dealing with customers. Although they routinely record phone conversations, they will not allow us to do the same. Faxes that were sent with supporting documentation were not acknowledged. Certified letters with the same documentation were returned twice even though they were sent to the address they provided. 

In summary, every effort that we have made to exercise our rights to dispute the bill have been blocked by their policy to restrict the customer 's ability to have any type of permanent record of the dispute.