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

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX BalanceOwed : {$0.00} XXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$530.00} XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under TRANSUNION. 


XXXX 90 days late in XX/XX/2017, XXXX 2017, XXXX 2017, and XXXX 2017. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXXXXXX XXXX XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING 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. 

This company 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, credit repair services, or other personal consumer reports

I checked my credit report after getting a preapproval for a home loan in XXXX, XXXX and saw that there are numerous incorrect information on my report. There seems to be accounts that are business accounts that do not belong to me as well as charge offs and collections that are interfering with my going any further in obtaining a loan to purchase a home. I have tried numerously to call these companies within the last XXXX months and have not gotten anywhere. They are very rude and intimidating. JPMCB CARD told me that I had no choice but to make a payment to settle both of those business accounts listed only in efforts to solve this issue but now after I paid them in XXXX of XXXX, they told me that they will keep this on my report for 7 years anyway even though the accounts belong to a business and they do not have a contract signed by me for these accounts. 
The others, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are inquiries that I did not authorize and need to be removed. I am now aware that these are also a violation of consumer law 15 USC 168b. I have tried so hard to fix this problem with my credit report and I feel very helpless. This is causing me XXXX XXXX XXXX XXXX because I am not able to move any further. I am begging for someone to help me with this please.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 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

Reporting information on a consumer credit report without their written consent is identity theft i did got give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated i am demanding the company to remove the account fromt my consumer report not later then four business after such information i provide acount information ( JPMCB CARD ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS SHOWING LATE PAYMENTS I WAS NEVER LATE I ASKED FOR REMOVAL MULTIPLE TIMES. THERES XXXX LKATE PAYMENTS BEING REPORTED THAT NEED TO BE REMOVED FROM ALL XXXX BUREAUS.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting

Do n't know what this debt is They are reporting this as a open end account with XXXX late payments XXXX disputed over phone on XXXX/XXXX/15 dispute # XXXX They said the dispute would be taken care of by end of XXXX It was not Wrote letter dated XXXX/XXXX/15 and they then entered another dispute with the dispute number ( even though this is concerning the same dispute ) XXXX. I requested by letter and XXXX by phone that they send me in writing who the creditor is and they have ignored all my request The emails they are sending me are going into my spam folder so I do not open them So now it is going on 2 months and it continues to report more late payments I have not been contacted by any creditor concerning this item I thought by law they had 30 days to let me know what this debt is and if not, they have to remove it I have been denied credit because of this I would appreciate any help on this because they are just letting this drag on
Product: Checking or savings account

Reference number- XXXX I have money that was taken out my account and this company said they performed an investigation and did not do a full investigation as i got money stolen and filed a police report. They have not officially credited my account after providing them with this information. i have been with this bank for over 20 years and never had such issue. My money should be protected and it is not by this bank
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7.00} XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$70.00} TELECOM SELF-REPORTED XXXX Balance : {$190.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I closed a US bank Cash+ Visa secured card on XX/XX/2022. I was told that I should get back my security deposit in the amount of {$1000.00} within 30days. Then I received a account closure confirmation letter from US Bank, showing the account would be fully closed on XX/XX/2022 and the security deposit will be issued. 
Also, I called again to US Bank to make sure this secured card is now fully closed and the security deposit check should be issued and delivered soon. 

However, as of today XX/XX/2022, I do still see negative balance on my US Bank secured card account, because I had return change deposited back to that card and the security deposit check has not been issued yet.

I dont understand why it should take so long EVEN AFTER it passed more than one billing cycle! Please give my security deposit back.
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  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Money transfer, virtual currency, or money service

A person sent me {$850.00} using Venmo on XX/XX/XXXX, Venmo allowed me to transfer the money to my bank on XX/XX/XXXX. When the transfer didn't happen as scheduled I called Venmo on a recorded line to ask why is there a delay. They informed me that the FTC ( federal trade commission ) is reviewing my transactions and it will take up to three business days for that review to conclude. They did not advise me of a review prior to my inquiry nor would they tell what the review was for. I asked for my call to be escalated but they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference to CFPB report XXXX, XXXX XXXX. Experian Credit Bureau received a notification from XXXX XXXX that my payment to them was over 60 days late. I disputed this because XXXX XXXX attempt to take advantage of a senior citizen ( XXXX years old ) by falsely stating I refinanced my loan. In my dispute, I specifically, pointed out to Experian that this loan was already paid off and I can prove it by giving them copies of all payments to show the amount of the load was completed. In addition, XXXX XXXX could not provide a copy of any contract showing I refinanced the load nor could they provide any substantial evidence proving I received any money from them other then the original loan. This Experian did not do. 
Experian Credit Bureau refused my dispute without confirming XXXX XXXX intentions were legitimate. They just reduced my credit rating to below average and again this reflected of me not being able to obtain a Home Owners Line of Credit. Experian could have substantiated XXXX XXXX allegations by having them present the documents showing the loan was legitimate. Experian did not this..
Product: Money transfer, virtual currency, or money service

On sunday XX/XX/XXXX I contacted a seller on a XXXX   group who would sell me items for a discused amount of XXXX bucks due to paypal fees it would come to XXXX sense then after sending him a confirmation that the money been sent he asked me to send him XXXX dollars to another paypal account when i went to sent it to the orginal one i kept getting error messages. Also he instructed me to list it under friends and family so he could have acess to the money faster. I contacted customers service they said they get back to me in 12 days but also sent the email adresses involved in the disputed transcation to paypal scam alert email address within an hour they had contacted me back saying th accounts were part of a phishing scam but when i spoke to customers servics they said no such emails were exhanged
Product: Checking or savings account

In XXXX I opened my account at Citibank, on XX/XX/XXXX, I received an email from Citibank indicating ; Your Citi account ( s ) will automatically close within XXXX  days. I then called the general customer support, which routed me elsewhere going back-and-forth and eventually to the fraud department. When I spoke to the fraud department for the first time, the representative refused to give the reason for the freeze, let alone didn't even give me a chance to explain my situation. As I don't live in the United States, I was instructed to withdraw the check from my account at a Citibank branch, which I did. I traveled for the sole purpose of resolving this issue, the branch told me that there is nothing they can do and I'll have to wait XXXX days for account closure and additional XXXX days for the check to be generated, I left the United States without solving this problem and that I should call the fraud department, I called several times and they gave me different answers, at the end of XXXX I was in poor health due to the covid infection that kept me in a state of rest for many months. the check with the funds have not been sent to the address. 
Now I want to know what I should do to get my money back.
Product: Debt collection

I am writing to you because this debt is too much for me to repay at this time as I am unemployed and I was recently badly injured because I was hit by a XXXX driver. As a result I can not work and I am asking for a deferment and to have the derogatory marks removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TRANSUNION and XXXX on XX/XX/XXXX regarding erroneous inquiries that were placed on my reports without my consent. When I called in they told me they would be working on getting this inquiries removed and since then there has been no changes made for inquiries done erroneously. 

Transunion Erroneous Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  - Inquiries done 2 times by this company XXXX Erroneous Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiries done 2 times by this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a previous complaint against Equifax number XXXX, regarding the inaccurate personal information being furnished on my consumer credit file. Equifax responded using a stall tactic asking for identification and specific details of the inaccurate information, which I already provided in my previous complaint. The reporting birthdate is NOT mine. The reporting name is NOT my full name as it is showing on my identification card. Equifax refuses to comply with my demands and continues to tarnish my reputation. I will be putting my state attorney general on notice regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and experian has not removed any items on my credit report and it has been well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has an item on my credit report. I attempted to dispute the item with XXXX XXXX directly, with the address that they provided on my credit report XXXX XXXX XXXX XXXX Mn XXXX. The certified letter was sent back to me, address un-deliverable. I disputed the item with XXXX and Equifax, given they have false information on my report. I sent them a copy of the letter that was returned to me. XXXX responded saying that the item met FCRA, in which it does not as they are reporting false information about me. Equifax stated that the item would be deleted, however it still remains as of XX/XX//18.
Product: Credit reporting or other personal consumer reports

I am a consumer exercising my right. Santander has continually failed to provide accurate documentation of said charged off /paid off debit. They continue to show a incorrect balance although they also state the loan was written off. When I contact them I have had multiple representatives state they do not show any records of a balance due. Loan was opened during a time where they failed to provide an internal score and now I am a victim of a class action lawsuit.claims are not applicable to them as a defense. Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property. Meaning all debts with a finance charge comes with insurance in case of default. Insurance, interest, services, deliver fees, loan fees, broker fees, fee to cover defaults, are all included in the finance charge. Pursuant to 15 USC 1605 ( a ) ( b ). On this contract it states otherwise see exhibit XXXX. I have the right to rescission with the right to keep the property, return of any money involved in the transaction pursuant to 15 U.S. Code 1635 ( b ), upon the right of rescission, I am no longer liable for any finance change. The creditor must terminate any security interest, return any money or property, earnest money, down payment or otherwise past payments and because the property has been delivered and in my possession I have the right to retain possession of the property
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus via certified letter requesting that the investigate this XXXX XXXX account that has been closed and to delete it from my credit report due to them violating the FCRA laws which state that they must report accurate information and to respond to the consumer within a timely manner which they have not. This has cause my credit score to decrease and me to be denied credit for a home.
Product: Debt collection

Peter Roberts and Associates issued a XXXX $ claim against me the reported to XXXX. This debt was not only paid in full at an amount of double which I have bank statement proof but do to the lack of reporting I filed a claim and the claim was ruled in my favor after proof of evidence was submitted by me. 

They re-issued a claim and stated money is owed when this is not the case and they also told me that I owed double the payment and double was not reported to any agency. 

I paid a total of double {$350.00} and now they are trying to collect another {$350.00}.
Product: Checking or savings account

On XX/XX/year>, I visited my XXXX branch to inquire about the XXXX imposed on my account, only to be informed that it is under XXXX due to alleged XXXX claims. I want to emphasize that I have absolutely no knowledge or involvement in any XXXX  activities related to my account. The fact that my account has been XXXX without any prior notice or explanation is deeply distressing. 
What is even more concerning is the timeframe provided for the investigation process. I was informed that I would not be able to access my own funds for XXXX XXXX days, and after that wait another XXXX XXXX days for a XXXX XXXX, which is an XXXX XXXX period considering my immediate XXXX obligations. As a XXXX parent with a XXXX son who depends on me for his XXXX needs, including food, transportation to school, and our XXXX XXXX expenses, this situation has put us in an incredibly difficult and precarious position. 
Furthermore, the XXXX placed on my son 's XXXX account, including his XXXX XXXX money, is not only unjust but also insensitive to the needs of an XXXX child. It is unacceptable that XXXX Bank has chosen to XXXX access to funds that rightfully belong to us, without providing any XXXX alternatives or XXXX solutions to mitigate the impact on our daily lives.