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

In XXXX I requested that Experian, remove information that is not only incorrect, but they have a fraud alert that is remaining on my account that should have been removed back in XXXX. I told you that my son lived at the XXXX address, and the XXXX address and you refuse to remove it. Since you are telling me that this is my address, please provide proof that XXXX XXXX XXXX lives at those addresses. 
XXXX XXXX XXXX is the only address that should be on my credit report. No other address. My name is XXXX XXXX XXXX No other version of my name should be on my credit report. 

If you can't provide this, please remove them from my credit report. My son XXXX XXXX XXXX lived there, not myself. 
Please remove the fraud alert that should have already been removed after 1 year that still remains on my account.
Product: Credit reporting or other personal consumer reports

I LOOKED BACK AT MY REPORT ON XX/XX/year> AND I NOTICED THAT SOME THINGS ARE INCOMPLETE AND INACCURATE. AND ACCORDING TO THE FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. I SENT A LETTER ASKING THEM TO INVESTIGATE THE ACCOUNTS BELOW BECAUSE [ XXXX XXXX XXXXXXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX XXXX XXXX XXXX  ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX  XXXX XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX  XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX XXXX XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE [ XXXX  XXXX XXXX ] OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THE ACCOUNT IS NOT ACCURATE
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB Complaint in response to the recent investigation conducted by the Credit Reporting Agencies. I strongly disagree with their findings and demand utmost accuracy. I am extremely dissatisfied with the apparent lack of effort in reaching out to the creditors responsible for reporting this information on my report. Consequently, I now demand more comprehensive information concerning these specific items under question : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX XXXX  XXXX Bankruptcy Reference # XXXX. The Credit Bureaus are required to provide me with the names and addresses of the individuals contacted within a strict timeline of fifteen ( XXXX ) days from the receipt of this letter, unless the Credit Bureaus inform me otherwise. Failure to verify within this time frame will be deemed as non-verification, necessitating the immediate deletion of the items as mandated by Section XXXX ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accts # XXXX, Has violated my rights 1. Acct # - XXXX Acct Name - XXXX XXXX XXXX 2. Acct # - XXXX Acct Name - XXXX XXXX 3. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 4. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 5. Acct # - XXXX Acct Name - XXXX XXXX XXXX 6. Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATION/XXXX XXXX XXXX Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATIONXXXX XXXX XXXX Acct # - XXXX Acct Name - XXXX XXXX XXXX 9. Acct # - XXXX Acct Name - XXXX XXXX XXXX  15 USC 1681 section 602 A. 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.
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 violates 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 regulations 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

Hard Inquires reported on my credit report. I need these inquires removed. They were reported on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested an Equifax credit report via XXXX The website generated a credit report which indicated that my XXXX loan under loan XXXX XXXX  has a remaining balance of {$32000.00} as of XX/XX/2022. This information is incorrect because I made a payment on XX/XX/2022 that brought my current balance down to {$31000.00} and XXXX cents. Upon dispute, Equifax appears to have corrected my historical balance from the last report date which should have captured this payment, but appears to have left the current balance at {$32000.00}, which is incorrect. The current balance should actually reflect {$31000.00} and XXXX cents. 

I've attached the original error in my credit file ( Credit Report Error XXXX ), the incomplete results of the dispute ( XXXX XXXX  ), payment receipt ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), letter with proof of payment ( document ending with Copy of XXXXXXXX XXXX  ), and current loan balance details with XXXX  XXXX ( the account in question ) expanded ( Loan Details with XXXX XXXX XXXX  ).
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are not mines. I did not authorized these accounts. I am a victim of identity theft.
Product: Credit reporting

I recently received a copy of my TransUnion credit report. The credit report showed a credit inquiry by your company ( XXXX ) that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquires on my reports : on Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I paid off a charged off account with US Bank this summer ( 2020 ) and was assured by US Bank that they would report that I owed a XXXX balance because we came to a settlement amount. It was paid and they sent me a letter stating the account was settled. They continue to report me as being late every month as well as having a balance owed. I have disputed this with all 3 credit bureaus and Us Bank keeps reporting that I owe a balance AND they keep reporting me as late! This is inaccurate and against the law. My wife has contacted them multiple times to correct this inaccuracy and they have assured us that they will fix it in 30 days but its been months of this and they continue to falsify information to the bureaus. Meanwhile my credit score drops monthly due to their inaccurate reporting.
Product: Debt collection

I received a debt collection notice via USPS on XX/XX/XXXX  for the amount of XXXX owed to XXXX XXXX XXXX, I called my local XXXX XXXX XXXX in North Carolina to verify the information given, They informed me that this is a bill for an address in Florida and this could be a result of fraud since I have never lived or opened an account in Florida. They informed me to report this to www.FTC.gov and call all credit report agencies, I also tried to call the collection agency Helvey & Associates , Inc . I left a message to call me with all information provided, I have yet to hear back a response.
Product: Debt collection

Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting ACT, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C & 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I am now enacting my consumer and civil rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The following derogatory accounts allegations are either UNTRUE, UNVERIFLED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and must be removed immediately do so today, even right now! The obvious infractions are as follow ; XXXX XXXX XXXX XXXX Account : Account : XXXX Account was paid in FULLL and deleted from all three Credit Reporting Agency. XXXX is the only credit Reporting agency that delete and reappears back on my credit XXXX Account : XXXX This account is in collection with a past due amount of {$1100.00} according to the Metro 2 compliance need to be deleted. 

XXXX Account : XXXX This account is in collection with a past due amount of $ {$7200.00} according to the Metro 2 compliance need to be deleted. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA ENACTED CDIA Metro 2 Compliance regulations. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Product: Mortgage

Chase Banks after 3 years of stress and uncertainty, and after declining XXXX all cash offers finally Approve a short sale offer on my home. If selling a home that I have lived in for 21 years is not stressful enough. They gave the funding date a week before XXXX. Now because of that I only a one day to vacant the property. This caused me a considerable amount of Stress, I 'm a year old XXXX, and just about had a XXXX. So then the buyers agent comes to the door of my house to have the locks changed. I tried to find an apartment but it is very hard especially during the holiday season.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX My ss # is XXXX XXXX XXXX My DOB is XX/XX/XXXX I have 2 accounts with XXXX, both credit cards with XXXX balances. 

In XXXX of XXXX I used the XXXX rewards card to purchase internet access for {$7.00} on An XXXX XXXX Flight to New Mexico. I never used the cards since and am also in very good standing with Barclaycard. My bank to make repeat payments was closed that I was expecting to make on the {$7.00} balance, I did this to simplify my finances. 

At the time I was traveling in XXXX XXXX, NM, ( From XXXX to the end of XX/XX/XXXX ) - and was not receiving any mail that would be sent to my XXXX XXXX, and never received any correspondence from Barclaycard, not did I received any email correspondence also. 

Earlier last week I saw that the {$7.00} charge was posted to my credit report, yes .... the {$7.00}. Given my good standing and the fact that this was so petty, I called Barclay Card 's customer service - went through the phone tree and was repeatedly told that I made a mistake by not paying the {$7.00}. 

I was escalated to a manager and was agreed to be contacted back with a resolution and NO ONE from Barclaycard has contacted me. They mentioned this would be over email and I also confirmed my email. 

Today, a week later XXXX, I call Barclaycard 's customer service and am escalated again to a manager, and he told me they under no circumstances would they be willing to remove this from my credit report. I let them know that I was expecting written contact from the Barclaycard customer service team and no body responded back to me I feel completely lost in this circumstance, no one is willing to help me. It's not about the {$7.00} its about the fact that we are in the Pandemic and one of the most turbulent economic environments in history and an institution that large is not willing to help, but rather tell the little guy to XXXX  XXXX. Please help me.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this with XXXX, with firstbank, thru emails and letters and with you ( CFPB ). See complaint XXXX. They answered and they fooled both of us. They have done nothing. Still reporting failed to pay, and that's very bad, even last month. This keeps my credit score very low.
Product: Mortgage

My name is XXXX XXXX. My ex-husband XXXX and I acquired a mortgage with the Flagstar Bank for the residential property in XXXX, TX. The property was sold in XX/XX/XXXX as the result of a divorce. 

The bank closed our escrow account with a settlement check in the amount of {$11000.00}. We received the check shortly before the end of XXXX. XXXX and I co-signed the check. On XX/XX/XXXX, I tried to deposit the check remotely with XXXX XXXX. It would not go through. I tried again with XXXX XXXX XXXX. It appeared to be successful. This belief was later proven to be wrong. The deposit was debited from my account on the same day. But I did not realize that until XX/XX/XXXX. 

I reached out to Bank XXXX XXXX which explained to me why the transaction had been reversed : the check was issued in joint names, but the bank account was in my name only. It advised me to go to a bank branch personally with XXXX in order to effect the deposit. XXXX and I did so on XX/XX/XXXX only to be told that the check had expired. A new check bearing a new date would be required. 

I contacted Flagstar, its representative acknowledged my request and advised me to look out for a new check. After a long wait, I reached out to Flagstar again, only to be told that it would not honor my request as a co-signed check was showing in its system which indicated payment had been made. After speaking with a supervisor and explaining the situation, I was told once again to wait for a new check. 

Still no check in sight. I called Flagstar again in XXXX, the agent told me that she understood the situation but a written request must be made to its customer service with an explanation and evidence. I did so with a screenshot of my bank statement. Again, silence. 

On XX/XX/XXXX, I followed up on the written request, and was again told that " [ t ] he check cleared our system on XX/XX/XXXX so no refund to be issued. '' It is obvious that Flagstar has no intention to return the {$11000.00} to its rightful owner. 

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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates 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 in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander customer and XXXX XXXX XXXX which is the same debt!! However Santander Consumer was apart of multiple state class action lawsuits were the judge ruled in the consumers favor that Santander consumer had to buy back or cancel the debit of all the subprime loans and pay restitution to the consumers! I was apart that lawsuits I have received my check however the debt is still on my credit report plus they sold the debt to XXXX XXXX XXXX and it on my credit in fact its still in collections in they are trying to collect the debt from me however the judge rule that Santander must buy back the debt in wipe it from my credit that hasnt happened! Total amount XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified, corrected or deleted : XXXXXXXX XXXX  ( Account # XXXX ) Charge-off reporting every month from XXXX XXXX XX/XX/year> with a balance of {$12000.00} past due. Please verify the accuracy of this information. XXXX XXXX XXXX XXXX ( Account # XXXX ) Charge-off reporting every month from XXXX XXXX XX/XX/year> with a balance of {$780.00} past due. Please verify the accuracy of this information. XXXX ( Account # XXXX ) Collection account with a {$4800.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. XXXXXXXX XXXX ( Account # XXXX ) Collection account with a {$910.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. XXXX ( Account # XXXX ) Collection account with a {$430.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. Please complete your investigation within the 30-day timeframe required by law. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX. Enclosures : Credit Report Supporting Documentation
Product: Student loan

I have participated in XXXX since 2010. I submitted my final documentation of on time payments and working for qualifying providers in mid XXXX. These documents were reviewed finally in early XXXX. The documents were incorrectly interpreted. 

I called one week ago to correct this error. About 2 hours on hold and reviewing file. PSLF counselor agreed that appropriate documents were present and that these should count as additional on time payments toward PSLF. She submitted a manual review. 

My payment counts were updated this week but remain incorrect. I have now spent another hour on hold and reviewing with PSLF counselor. 

I have low faith that this second manual review will resolve this issue. The counselor do not understand some of the basic criteria that this program uses ( I work for XXXX qualifying employers with more than 30 hours per week but they are unaware that this still counts as qualifying payments ).