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

I am writing to formally dispute and register a complaint regarding multiple erroneous late accounts entries on my credit report, which continue to negatively impact my creditworthiness. I have attached a copy of my credit report highlighting the disputed entries for your reference. I have diligently reviewed my credit report and have identified multiple instances where accounts that are marked as late are still inaccurately reported as such. I have made every effort to rectify this situation by contacting the respective creditors and the credit reporting agencies, but to no avail. 

I would like to emphasize that these late payments are not a true reflection of my financial responsibility. I have consistently made on-time payments for these accounts, and I have the documentation to support these claims. It is crucial that my credit report accurately reflects my creditworthiness, as these inaccuracies have begun to affect my ability to secure financing and achieve my financial goals. 

I kindly request that you investigate these discrepancies promptly and initiate the necessary corrections to my credit report as per the Fair Credit Reporting Act ( FCRA ). Please conduct a thorough review of the account 's information provided and ensure that it accurately represents my payment history. If the investigation reveals that these late payments are indeed erroneous, I request that they be correct them from my credit report immediately. 

Additionally, I request that you provide me with a written response within 30 days of receiving this complaint, detailing the actions taken to rectify this matter. These late open accounts should be corrected by the credit bureaus right away : XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance Owed : {$110.00} DP OF EDUC XXXX Balance : {$7200.00} DP OF EDUC XXXX Balance : {$6800.00} DP OF EDUC XXXX Balance : {$3900.00} DP OF EDUC XXXX Balance : {$6700.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance Owed : {$370.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I sent {$200.00} through Cashapp to a friend. The app currently shows the payment as pending. My bank account show the {$200.00} as sent. My friend has yet to recieve the payment. I asked Cashapp to look into the problem and they say that no payment occured between the dates of XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX Experian, XXXX, and XXXX is still reporting XXXX XXXX on my credit report for XXXX. I have made several attempts to have them remove the account and they keep sending me emails saying the investigate is done and accurate. Below is the letter that I wrote to them and they still denied my requested. 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Checking or savings account

I was getting fee after fee some of my statements back then had like three or four fees on them for the same thing. The account became so unmanageable I closed it first chance I got. Which took a while cause I was in the negative because of fees.
Product: Checking or savings account

bank of america ihad over XXXX deposited into my checking accounts and them being in with some local business had set there and with out my knowledge had charged me tens of thousands of dollars a day with out me knowing and when i finally caught it XXXX XXXX later all they do is give me the run around even cussed me out saying the owe nothing which tells me because all localy located in XXXX they must know each other so i got XXXX stolen from me and bank of america help
Product: Money transfer, virtual currency, or money service

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

I was sold the wrong vin of XX/XX/XXXX. Ally and the dealership reneged the loan. To fix selling me the truck to cheap. I was originally financed at XXXX through Ally Bank XXXX XXXX. And I believe I was paying on two trucks at the same time because after they took the pick up, they credited back the money and took all the late charges off. It was originally through Ally Bank, and then it went through Ally financial. And after they sold the vehicle, I was never returned my equity in it, and they refused to provide paper showing where the money went. every time I contact them they just change the paperwork and send me new stuff. and as of now they wont even return my calls, and they have no information for me. The Tile they use in court is not a real title as it doesnt have the seal of Oregon in the middle. When I research the Vin. It shows both the trucks that I have the Vin on moving at the same time to XXXX dealerships. Then the color changes to the white one that I was originally sold. And the truck disappears. It also shows the first sale being made in XXXX. What Allie does is just transfer me from department to department and then disconnects me. It shows that I was paid out ahead when they took the pick up now after they repossessed it I was dealing with two different lawyers in Washington and a debt collector all at the same time in ally wouldnt help with anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate the following claims versus me of which I've contested the reporter 's privilege to do so and launched challenges of the evidence supporting their claim of reportability! The information I suspect is in deviation from reporting requirements include but likely is not limited to the following so please require removal or evidence of reporting adequacy : XXXX XXXX XXXX XXXX XXXXXXXX Reporter making unverified accusations of injurious derogatoriness and or allegations of delinquencies elsewise does so without satisfying their requisite criteria to have even utilized the PRIVILEGE to report and further failed to substantiate claim 's report-ability upon my rightful challenges to demonstrate confirmed certifiably compliant reporting processes and practices such as provable absolute adherence to the mandates of reporting laws and standards including but not limited to that of the FCBA, FCRA, ECOA, applicable state regulatory requirements and or even that of the mandatorily utilized Metro2 Data-filled field formatted reporting standards. Per XXXX 'S own XXXX manual, " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA '' alleged, thereby bringing into question reality of reporter 's actual obeyance of laws. Federal reporting regulatory requirements include a minimal compliance of reporting to a degree no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS. YET, the reporter still reports deficiently despite my notifications of such and calls for them to vet their own processes and practices and abiding by the very standards deliberately designed to aid adequacy in lawful reporting. 

I can only assume the reporter was willfully noncompliant in their injurious unfair reporting or at best recklessly negligent in ignorance or purposeful disregard of consumer rights much less it's own reporting requisites to satisfy the very conditional criteria for their obviously assumed privilege to report. 
I request you to force the deviant reporting bodies involved to cease reporting at least until data alleged is certifiably compliant to mandates or else eradicate the allegations in permanence altogether!
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, have recently been denied credit. I'm looking on my credit report and see some inaccurate information regarding late payments and an open credit card that are closed. with inflated balances. I wish for these tradelines to be investigated and removed from file if found inaccurate or incomplete. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also there's a consumer statement that I would like removed. 

Inquiries I do not have an open account nor have I've done business with these individuals, person or corporations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I foolishly accepted a loan from XXXX XXXX XXXX in the amount of {$1400.00}. XXXX XXXX XXXX is a predatory payday loan lender. The payment schedule is {$490.00} per pay day which is extreme. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On a {$1400.00} loan, the fees collected should be {$210.00}. On the XXXX XXXX XXXX website within my account portal, the link to the payment schedule does not work nor does the link to my loan documents. It is impossible for me to see when this loan will be paid off. I do know that paying {$980.00} per month ( on months with two paydays ) or {$1400.00} per month ( on months with three paydays ) is because I am being charged an excessive, bordering illegal interest rate. 
XXXX XXXX XXXX preys on individuals in financial difficulties. It is disgusting, appalling, greedy and should be illegal. They hide behind tribal laws to take advantage of consumers with few choices. 
I fully accept that I must repay the {$1400.00}. I also accept that I should pay the {$210.00} fee for a total of {$1600.00}. I do not accept that I should be paying {$490.00} per payday!!!! At that rate, I will never get out of this cycle which is what " companies '' like XXXX XXXX XXXX hope for. 
I want to settle my account with the following payment schedule : {$200.00} per payday beginning XXXX XXXX. I will make 7 payments of {$200.00} with a final payment of {$210.00}. My first payment will be XXXX XXXX with my final payment made on XXXX XXXX. I want my account marked Current/Good Standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of my credit report, which includes several negative items that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I have listed the accounts in question below along with their account numbers : XXXX XXXX : Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX  : Account Number XXXX XXXX XXXX XXXX  : Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX  : Account Number XXXX XXXX XXXX XXXX XXXX. : Account Number XXXXXXXX XXXX XXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : Account Number XXXX I request that you investigate these items and remove any inaccurate or outdated information from my credit report in accordance with the FCRA. Specifically, I dispute the payment status, balance, comments, payment history, and account numbers associated with these accounts, as I believe they may be incorrect.

Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to conduct a reasonable investigation into the accuracy of the information contained in my credit report. Therefore, I request that you verify the payment status, balance, comments, payment history, and account number associated with each of these accounts. If any of this information is found to be inaccurate, incomplete, or unverifiable, I request that you promptly delete or correct the information.

In addition, under Section 611 ( a ) ( 2 ) ( A ) of the FCRA, you are required to notify me of the results of your investigation within 30 days of receiving my dispute. Please send me a written response outlining the results of your investigation and any actions you have taken to correct or delete the inaccurate information from my credit report. 

I understand that the accuracy of my credit report is important for my financial health, and I urge you to comply with the requirements of the FCRA. Thank you for your attention to this matter. 

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

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX  Account Number : XXXX-XXXXXXXX  This is not mine. 4. Identity Theft XXXX  Date of inquiry :XX/XX/XXXXThis is not mine. 5. Identity Theft XXXX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft 01 XXXX XXXX XXXX  Account Number : XXXX This is not mine. 10. Identity Theft 08 XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, this account was never past due this was a subscription that was paid for the yea beginning XXXX, it was reported as negative on my account as of XXXX, when I noticed it was being reported negative I contacted the credit agency and closed account along with a dispute that ended in my favor however the negative months pushed my credit down XXXX points and the months of XX/XX/22 and XX/XX/22 still remains on report. I have attempted to contact extra numerous amounts of time with no answer I have sent letters with no response, I think this should be resolved by erasing negative remarks. 
Thanks in warm regards XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have contacted Macy 's, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and Infinite to dispute the inaccurate information they are reporting. I have sent in several disputes and have yet to get a response. 
Here is a list of the following dates and amounts for each company listed below : XXXX XX/XX/XXXX {$580.00} XXXX {$1700.00} XXXX ( XXXX XXXX ) XXXX {$330.00} XXXX XXXX ( XXXX XXXX XXXX ) - XX/XX/XXXX {$680.00} XXXX XXXX, XXXX ( XXXX XXXX ) - XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$1000.00}
Product: Credit card

On XX/XX/XXXX I went in to XXXX XXXX fXXXX  browsing for a sofa. Store manager who was assisting stated he would check to see if I would be eligible for a loan, I expressed to him I was not interested because I was browsing and I did not want him checking for this loan to affect my credit score. I assured me that would not happen that it would not affect my credit. I did not under any circumstances consent to a hard inquiry let alone a store credit card. I realized what happened due to checking my credit report. There is a hard inquiry and my credit dropped. Additionally there is SYNCB/XXXX opened by this store manager the day I went. although I was extremely clear. My boyfriend was present and affirmed I was not looking to open any account and not to check my credit
Product: Checking or savings account

I opened an account with Independent Financial Bank on XX/XX/XXXX, assuming I would receive {$300.00} after having {$1500.00} in direct deposits. I had sent {$1500.00} worth of direct deposits on XX/XX/XXXX, expecting to receive {$300.00} shortly afterward. However, that did not happen as they closed my account without communicating or sending me the {$300.00} for a new account bonus. I am requesting that the bank pay me the {$300.00} new account bonus and reinstate my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and i noticed some inquiries that i did not authorize : XXXX-XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Finance XXXX Experian XXXX XXXX XXXX XXXX - Credit Union  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Finance XXXX Experian XXXX XXXX XXXX XXXX - Credit  Union  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Finance 1XXXX Experian XXXX XXXX XXXX XXXX - Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Social Security is making a false report to the credit bureau that we owe them money and that we have n't paid according to the agreement. We had no agreement and do n't owe them anything. The credit bureau wont remove this negative info and were stuck in an endless loop of nobody will protect us from this extortion by the Government Social Security division. Extortion is exactly what it is, you pay or else and nobody can check our hand.
Product: Prepaid card

Vanilla Gift Card 16 digit gift card number is scratched out so I could not see the entire number. 

I purchased a Vanilla Gift Card for {$60.00} on XX/XX/2023 at a XXXX XXXX 
When I opened the gift card part of the card number was scratched off. 

I called Vanilla at XXXX. The customer service representative said I would have to provide them with a copy of my driver 's license and also them my birth date before they would log my request into their system. 

I was not comfortable providing them with my personal information and asked if I could just give them a copy of the gift card. They said they could not log my request without me providing them with the requested personal information.
Product: Debt collection

I had withdrawn from XXXX XXXX XXXX before beginning my first set of classes for medical reasons. I disclosed this to the school and they successfully withdrew me. I had already received a few books and attempted to return them. They rejected the return multiple times and charged me over {$600.00} for these few books! Next thing I knew I was receiving calls and letters from Conserve attempting to collect this debt and charging me over {$800.00}, which is more than the actual balance! Then, without validating, they reported to the credit bureaus! I sent three certified letters requesting validation ( XXXX, XX/XX/XXXX, XX/XX/XXXX ). I received responses in XXXX and XXXX to the XXXX and XXXX letters. These letters did NOT validate, did not provide ALL that I requested, NOR clear evidence bearing my personal signature accepting ownership of the debt and the exact amount alleging owed. They reported to the bureaus before responding to my request for validation and are collecting an inaccurate amount, therefore not only inaccurately reporting they are FRAUDULENTLY reporting this debt to all three bureaus! I've now sent a fourth certified letter ( XX/XX/XXXX ) requesting deletion. I have yet to receive a response or deletion on my credit report from this final letter, nor the XXXX letter that I sent.