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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Notice of Civil Liability for Negligence Violation of 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute inaccurate and/or incomplete information contained in my credit report, which has been negligently reported and/or verified in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o ( Civil Liability for Negligence ).

Disputed Information Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Inaccuracy : this account was written off/charged off Disputed Information Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Inaccuracy : this accout is charged off/ written off Disputed Information : Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Inaccuracy : this account is charged off/written off Disputed Information : Account Name : XXXX XXXX Account Number : XXXX Inaccuracy : this account is charged off written off Disputed Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Inaccuracy : this account was charged off/ written off Disputed Information : Account Name : XXXX XXXX  Account Number : XXXX Inaccuracy : this account was charged off/ written off Despite my previous dispute ( s ) regarding this matter, you have failed to conduct a reasonable investigation as required under 15 U.S. Code 1681i and have continued to report inaccurate information. This negligence has caused financial harm, including but not limited to : Denial of credit and financial opportunities Damage to my credit score and reputation Emotional distress and inconvenience Legal Violations Under 15 U.S. Code 1681o, any person or entity that negligently fails to comply with the FCRA is liable for actual damages sustained as a result of the failure, as well as the costs of litigation and attorneys fees. Your failure to correct these errors, despite clear evidence, constitutes negligent non-compliance with federal law.

Demand for Resolution To resolve this matter, I demand the following : Immediate removal/correction of the disputed item ( s ) from my credit file.

Written confirmation of the corrections made.

A detailed explanation of your investigation process and the evidence used to verify the disputed item.

If this matter is not resolved within 30 days as required under 15 U.S. Code 1681i, I will be forced to escalate this issue by : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) Reporting this matter to the Federal Trade Commission ( FTC ) Seeking legal remedies in civil court, including claims for damages, legal fees, and other relief as provided under the FCRA.

I expect your prompt attention to this matter and look forward to your written response confirming the resolution of this dispute. Please send all correspondence to my address listed above.

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

When I looked at my credit report this morning, I was shocked to see accounts that don't belong to me, and I have no clue how they got there. I always check my credit report regularly, but this time there were errors that appeared out of the blue. I even tried refreshing my browser, hoping it was just a temporary glitch, but the accounts stayed there. I'm begging for the documents I've sent to be reviewed carefully so I can stop living in constant fear over this.
Product: Credit card or prepaid card

Dear Citi bank I have been disputing incorrect information on my credit report for about 6 months now with the reporting agencies and they keep saying that you are reporting this information is reporting correct. I have sent them factual proof that these accounts are not reporting correctly as I have did once again see File citi account XXXX XXXX  is showing a 60 day late for XX/XX/2019 then on XX/XX/2019 another 60 day late! How is this Possible? XXXX  is showing all Ok up until XX/XX/19 they are showing XXXX which is a unknown this is a violation of the FCRA and must be deleted. ASAP this is incorrect information reporting and this account needs to be deleted ASAP I lost my job due to the fact that I work around money but when companies like you report this type information and keep saying oh it's reporting correctly and it's not is a crying shame the way you treat people but think about it what if the tables were turn and this was you how would you feel Just think about it? Please delete this account From all of the reporting companies ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have have contacted the bureaus for them to correct this mistake.i have so many inquiries that was not authorized by me. Could you please correct this the customer service was so rude and they did not try to help me or get me a supervisor here is the list of inquiries that needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # 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 card or prepaid card

I CURRENTLY HAVE A CREDIT CARD WITH XXXX XXXX XXXX ; ON XX/XX/XXXX I PURCHASED A GENERATOR WHICH WAS SUPPOSED TO BE ON A '12MONTH PROMOTION ; ' AS IN NO INTEREST WHILE MAKING PAYMENTS. 
HOWEVER I HAVE NOTICED ON MY CURRENT STATEMENT, AND UPON CALLING THE 'ACCOUNT INQUIRY ' PHONE NUMBER:XXXX-XXXX-XXXX ; I WAS TOLD THAT THE 'ACCOUNT BALANCE ' OF {$1400.00} ( STATEMENT DATE XX/XX/XXXX ) INCLUDES THE {$1100.00} BALANCE OF THE GENERATOR PURCHASE.THE 'CUSTOMER SERVICE REP ' THEN EXPLAINED THAT " WE MUST CARRY THE FULL ACCOUNT BALANCE ON YOUR ACCOUNT.???? ' WHICH I FIND TOTALLY UNACCEPTABLE. IN THAT EVENT, IM PAYING INTEREST ON THE 'TOTAL BALANCE ' AND NOT ON THE 'SUPPOSED TO BE SEPERATE ' GENERATOR PURCHASE. 
I HAVE HAD 'NO INTEREST ' PURCHASES IN THE PAST WITH A NY APPLIANCE CHAIN : XXXX XXXX ; IN WHICH THEY ALWAYS LISTED THE 'DEFERRED PURCHASES ' AND I THEN HAD THE OPTION OF PAYING THAT 'DEFERRAL ' SEPERATELY. IN THIS INSTANCE THAT IS NOT THE CASE. THEREFORE I REQUEST THAT 'TRACTOR SUPPLY ' BE MADE TO CONFORM TO THE PROPER ACCOUNTING PROCEDURES ; IM SURE IM NOT THE ONLY CONSUMER THAT HAS BEEN VICTIMIZED BY THIS FALSITY ; MY ACCOUNT # IS:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXXI sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Fraudulent Hard Inquiries 
Inquiry date: XXXX XXXX XXXX
Account: XXXX XXXX  Type: Credit Unions
Creditor Address: XXXX XXXX XXXX XXXX, VA, XXXX
Phone number: XXXX XXXX Inquiry date: XXXX XXXX XXXX
Account: XXXX XXXX
Type: Credit Unions
Creditor Address: XXXX XXXX XXXX XXXX XXXX, XXXX
Phone number: XXXX XXXX
Product: Student loan

My student loans have been serviced by a XXXX XXXX  of loan services, but all have been under PHEAA. I graduated school in XXXX and was in forbearance for most of the recession. When the Income Driven Repayment options were made available in XXXX, I contacted my loan servicer under PHEAA to transition into it. They refused to assist, citing their special status as an agency of the State of Pennsylvania. We went back and forth on this for several years, where they would try to collect and I would refer them back to the earlier conversation about the IDR and that no payments could be made unless they recalculate the then capitalizing interest. PHEAA never handled the paperwork correctly and I refused to comply, because I understood an offhanded assent on my part would result in being formally placed under an " agreement '' that would allow them to capitalize the erroneously charged interest. Their communication stopped in XXXX. 

Now, on XXXX XX/XX/XXXX, PHEAA has begun the default process for the account without making any effort to contact me in the past 8 years. None. They now have capitalized all the interest and the claimed amount has shot up to {$130000.00}!!! After all this time, now, with all the massive economic challenges Americans are facing, that's when this company is attempting to maximize its profits through deceptive accounting that is founded on more than a decade of fraudulent misrepresentation.
Product: Money transfer, virtual currency, or money service

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately US DEPT ED ( XXXX ) - ( XXXX ) XXXX US DEPT ED XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX & XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX
Product: Debt collection

A third party debt collector, Integrated Services at phone number XXXX, has been attempting to collect a debt from an employee. They have repeatedly called the place of business even after the employee has requested they not call them at work. They are now leaving messages on the general voicemail for the company, as well as leaving messages with me ( HR ). I ( HR ) has asked them to not contact the employee at work, but refuse to listen. They are now threatening HR with arrest if I do not give the employee the messages.
Product: Credit reporting or other personal consumer reports

I had a loan with Netcredit and it was paid off in XX/XX/XXXX. In XX/XX/XXXX, I realized that my credit report still reported my Netcredit balance as past due and it said the balance was twice the original amount because of interest and past due fees. Netcredit sent an official receipt in XX/XX/XXXX saying that my account was ( in fact ) paid in full in XX/XX/XXXX. It is now XX/XX/XXXX and my credit report still has Netcredit listed as past due. Netcredit has been repeatedly noticed of this error and refused to do anything, demonstrating gross negligence. My credit score has been artificially low for 18 months now because of Netcredit 's failure to report my account accurately, even by their own admission. My poor credit score has hindered my ability to get a low interest rate consolidated loan and limited my rental options when I sought new housing in XX/XX/XXXX. I am seeking financial compensation from Netcredit for the adverse outcomes I have suffered because of their negligence.
Product: Debt collection

I have been contacted several times by a collection agency claiming to be collo citing for a payday loan from several years past. I was threatened with wage garnishment, being sued and continued, more aggressive means of collection if I did not pay the debt right away. I naively mad XXXX apartment arrangement and provided by banking information. After, I felt unsure of my decision and consulted the alleged original creditor, of which there could have been XXXX possibilities, the " collection agency '' would not identify who it was. XXXX account had been placed with a collection agency, but not the agency contacting me, and the other possible creditor had no record for me any longer. I spoke with the correct collection agency and they no longer had an outstanding account for me, it had already been cleared. I immediately went to my bank and closed the account I made the payment arrangement with. Now, that company is calling repeatedly, both my personal telephone and at my place of employment, harassing me that I will be taken to court if I do n't pay. These tactics are not used by legitimate collection companies, and these people wo n't stop, it seems. I have informed them I will not do business with them unless they provide proof of debt ( which they refuse ) and they have been informed they are not allowed to call me at my place of employment. Yet, they continue.
Product: Credit reporting or other personal consumer reports

Good evening, Back in XX/XX/2020, someone opened an XXXX XXXX  by creditor XXXX XXXX XXXX XXXX under my name, and then closed the account XX/XX/2020 maxing out the credit limit of XXXX dollars making the past due balance {$7000.00}. When communicated about this credit card payment I was told to call transunion credit bureau about this fraud and to file a policy report. I followed through with these instructions but unfortunately this fraud is still showing on my credit report. I never opened an XXXX credit card. In my credit history you can see that I have 100 % payment history. I would really appreciate assistance with this matter.
Product: Checking or savings account

XX/XX/20 XXXX Called pretending to be PNC bank asked account info - i did not give it because they asked for my billing address, but did know me name. i told them i wanted the number to call back bc i have dealt with recent fraud they gave me this ext. when i called back XXXX. 

said " before we get into the issue, what is yiour billing address. '' I called PNC for real and they said they would never ask for that info they would ask for name and then list recent charges. 

FRAUD. Last week had to cancel and reopen new account bc they did this to my mother.
Product: Mortgage

I'm behind one payment, nearing two payments due, I was diagnosed with XXXX and going by through treatment. 
Before things worsened, I called US Bank mortgage to see if they might be able to help in some way so I can have the ability to pay for my XXXX and XXXX treatment. 
They stated they only could : Do repayment plan- meaning " catch up '' Forebearance plan- meaning " let payments stack on each other, then try to catch up '' And Refinance- meaning possibly qualify for lower interest or restart loan amortization for another 30 years but not guaranteed. 

None of this really helps in any way to consumers in my situation.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made 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 months that are reported late 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 XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit 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 Number: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: Debt collection

XXXX  insurance company sent me to collection for a bill that they claim I did not pay. I did not pay that bill because it was to pay in advance for the month. It came with an abusive increase just because I added XXXX more car to the account, when I added the car in the computer they told me that it would go up about XXXX dollars a month, I accepted and the payments would go to be XXXX each month, the receipt arrived and it was XXXX dollars, then I called and discovered that the following months the monthly fee increased to XXXX dollars. So I made the decision to change insurance companies where I paid {$440.00} for my car insurance. I want to make it clear that I was never late on my payments in 5 years working with this company and I never owed them any money. I have perfect credit and this is the only debt I have, not because I can't pay it. 
It is an abuse and neither the collection company or XXXX ever send me a detail month by month how this bill went up.
Product: Credit card

I have reviewed my credit report in XX/XX/XXXX. I have noticed 2 Amex Credit Cards were opened fraudulently. I was living in XXXX since XX/XX/XXXX and only returned to US in XX/XX/XXXX. 

1. Amex Platinum Credit Card ending # XXXX 2. Amex XXXX XXXX Credit Card ending # XXXX I have notified Amex fraud operations that the above accounts do not belong to me. I have also provided FTC Report, Police Report and ID proofs to Amex Fraud Operations at least 4 different times. I was issued Case # XXXX, XXXX, XXXX, XXXX, XXXX, Case # XXXX, Ref # XXXX I have followed with Amex by over 40-45 phone calls, the latest phone call was made today and spoke to XXXX XXXX in Amex Fraud Operations and XXXX XXXX in Amex Credit Bureau Unit. XXXX XXXX continued to state that Amex will not stop reporting inaccurate business credit card information on my personal credit profile, XXXX XXXX claimed the reporting of business credit card information on personal credit profile is per federal guidelines. When I asked to provide evidence, I was asked to send a letter in writing to Amex General Counsel. I did fax a letter to XXXX. 

Due to inaccurate reporting which is a result of identity theft by Amex, my mortgage got denied, this was informed to Amex as well. 

I am attaching the following documents to with this compliant 1. Letter faxed to Amex on XXXX XXXX, XXXX 2. FTC Report 3. Police Report 4. Amex XXXX XXXX Credit Card Statement ( received from Amex recently ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I started getting advertisement from lawyers about taking on my case and filing for chapter 7 or 13. I did n't know what was going on until I looked up the state court case with my name on it from Razor Capital on behalf of XXXX XXXX, suing/garnishing me for an old business account in which the bank is closed ( shut down ). I do n't even remember the debt.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I open an Indigo Mastercard, and was told over the phone there was no fee for applying or having the card, but when I got my first bill I was billed an annual fee. I attempted to call Indigo Mastercard customer service but they refused to help close the account, allow me to pay the balance to XXXX  and refund the annual fee.