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

PLEASE REMOVE/DELETE/BLOCK FRAUDELENT ACCOUNT IMMEDIATELY ACCORDING TO FRCA 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally submitted a complaint to the CFPB on XX/XX/2021 against Equifax regarding inaccurate and unauthorized items reflecting on my credit report. The original complaint ID XXXX-XXXX. Equifax responded stating that a collections account reflecting on my credit report is verified and belongs to me however I did not receive proof of validation. In order for validation to occur, according to 15 USC 1681 ( a ) ( e ) ; this law states that when a consumer investigative report is conducted ; factual information should not be included and an interview has to be conducted with my neighbors, friends or associates. In the response it was stated that an investigation was conducted and results were mailed to me however according to the FCRA ( 15 USC 1681 ( a ) ( e ) ) an interview has to be conducted with my neighbors, friends or associates and this did not occur however the inaccuracies were not validated. Additionally, I filed a CFPB complaint against XXXX XXXX regarding the referenced account and XXXX XXXX responded stating that the item would be removed from my credit report ( document attached ).
Product: Debt collection

This debt was completely paid off after the car was totaled. The balance was XXXX, it was never charged off, sent to collections or in bad standing. I have tried on numerous occasions to get this rectified but it has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please help me. After years of waiting on XXXX to remove an incorrect 30 day late I am growing frustrated and XXXXXXXX XXXX lack of knowledge and care about correcting a wrong delinquent charge is stressing me out and it is their responsibility to adjust this and yet I have been waiting years with no results promised to me. 

Covid has hit and I have been unable to reach proper departments and I have sent letters and spoken to agents in the past who have assured me that an error on the part of the merchant would be corrected after I provided proof of that letter to XXXX. The 30-Day late REMAINS on my credit report, which also affects my nephew who is a JOINT holder on this account. 

XXXX is being extremely lazy and irresponsible, they are ignoring my multiple requests for correction and ruining 2 separate humans beings ' credit reports. I have perfect credit and always have, this is absolutely torturing me and no one at this company does what they say. 

I will sue very soon because they had 30 days to correct this, I was told by multiple agents the change would be done within the end of the month years ago and it is still there! 

Please, pull my phone calls, check the email communications between myself, my nephew and XXXX and retrieve the letter from XXXX XXXX XXXX which takes full responsibility for incorrectly charging another clients services on my credit card on file and my account because those clients had the same last name as me. I was not there, I was not aware and this is absolutely unfair on my credit report. I have spoken to multiple people and so has my nephew and nothing has changed! Because I never charged anything or authorized any charges this payment went unseen until my credit report tanked and so did my nephews, yet it was not our fault. 

FORCE XXXX TO DO THEIR JOB, PLEASE!
Product: Credit card or prepaid card

I pay off my charges every month. Not even close to my credit limit and just received notice from Capital One that my credit limit was decreased by 50 %. I have worked very hard to keep my credit score high. They are not making money on me so decreased my line of credit. My credit takes a hit now. This is absolutely ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts and inquiries appearing on my credit report. 

Accounts XXXX. XXXX XXXX {$710.00} XXXX. XXXX {$140.00} XXXX. XXXX XXXX XXXX {$1100.00} Inquiries XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I call every week to Amex requesting information about the charges and how the account was opened. I am told that I am not allowed to have the information because I did not open the account. They say the information is private. But every month they dont have a problem using my social security number and reporting me for not paying my bill. I call every week about this and they just tell me to be patient they are working on this. I have verified that they have not been honest with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigations results.
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 is 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 those violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of late payments on my credit report, specifically in relation to the account referenced with XXXX XXXX XXXX XXXX date : XX/XX/XXXX, XXXX XXXX  account number XXXX, dated XX/XX/XXXX, XX/XX/XXXX, After extensive review, I have identified discrepancies in the reports and it appears that there XXXX be a violation. of the Fair Credit Reporting Act ( FCRA ). The late payments reported on the aforementioned account do not match my payment history. I would like to inform you that, to the best of my knowledge, I have consistently paid this invoice on time, in accordance with the agreed upon terms. 
I understand that under 15 USC 1681 ( a ) ( 2 ) ( A ) ( ), my consumer report must not contain information solely about transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between me and your company.

Additionally, I request that you provide me, in writing, the procedures [ under 15 USC 1666 ( b ) ] that you have adopted to ensure that each reasonable periodic statement is mailed to me ( the consumer ) no later than 21 days. before the payment due date. Also include all information required by section 1637 ( b ) of Title 15. 
Reference to PAANL ( Paid as agreed, never late ) : The terms of our agreement have always been met and the account in question should reflect a status of " Paid as agreed, never late '' based on payments made on time. It is imperative that my credit report accurately represents my financial responsibility and my commitment to meet my payment obligations. 
I hereby request that you provide documented evidence supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communications indicating that payments were indeed late. In the absence of valid evidence, I hope the credit report is rectified as soon as possible. 
If, after a thorough investigation, you are unable to provide verifiable evidence of late payments, I demand that the account be updated immediately to reflect its exact status as " Paid as agreed, never late. '' According to XXXX, I request that you conduct a timely investigation and provide a written response within 30 days of receiving this dispute letter. Failure to comply with this schedule will be considered a violation. 
of the FCRA.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that Ive marked as inaccurate : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked on my credit reports XXXX, XXXX, XXXX and seen I had an account from Apple Card for XXXX account number XXXX it was open XX/XX/year> I never opened up a credit card with them. I never lived at the address listed I sent my attached documents showing my address I been living at last XXXX years.
Product: Money transfer, virtual currency, or money service

At the beginning of XXXX XXXX saw an ad for a XXXX XXXX XXXX XXXX XXXX on a classified website called XXXX. I texted the number listed and talked to the guy selling the item in North Dakota. I told him i would pay for shipping as well. After going back and for on buying the machine i decided to buy it on the XXXX of XXXX. He suggested XXXX through XXXX to send him the money. I said ok, since he already sent me a video of the item and i talked to him on the phone to arrange the payment. After i sent the XXXX via XXXX, i tried to arrange a shipping date. He kept making excuses on why he was not going to be home. He even said he damaged the machine a bit while moving it and so on. I thought i had a date finally set, but then he had another excuse come up and was not able to be home. With 2 weeks already gone by, i finally said give me my money back. He never contacted me back after i wanted to get my money back. I contacted my bank and submitted a report in to my local police who should have contacted the police in XXXX North Dakota. I am including the transaction number of the XXXX transfer and all my text messages. I also have the negative response to my request with Suntrust bank to get my money back. 

My Bank said they could not do anything since the Moneytransfer went through. This does not make sense to me because it is not the matter of the money transfer actually working, it is that it was that i never got the item i was paying for with the money transfer This is a simple case of Fraud and i thought i was protected form that with my Bank.
Product: Mortgage

Im trying to fix tax property value.

XXXX XXXX did Escrow analysis based on 2 Tax Parcel Id instead one.

Because that I have a shortage of aprox {$1000.00} ...

I did a request and they did not answer ... I called and they said it will not make too much difference and then I should live with that.

I told them I dont want, I want my escrow reviewed and then they said the tax bill department is on pto till XX/XX/2020 ... .but they are requesting the shortage amount on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The bankruptcy currently reflected on my credit report is inaccurately represented. The case indicated as valid and accurate is, in fact, erroneous. There has been no trial or judgment associated with this case. Without a judgment, there can be no valid case. It is imperative that you promptly remove this account from my credit file. The XXXX XXXXXXXX XXXX case number XXXX should be deleted immediately as it is fraudulent. Failure to rectify this situation and continue reporting inaccurate information will compel me to pursue legal action. I have consulted with my attorney, and if the matter is not resolved within 30 days of this letter, legal action will be initiated.
Product: Credit reporting or other personal consumer reports

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate information that is reporting incomplete. Incomplete information is inaccurate and thereby not supposed to be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I borrowed {$9000.00} form Oportun on XX/XX/20. As I used this company Several times and always paid my bills on time.so on XX/XX/20 I walk in the office and pay the remaining balance in full in the amount {$8800.00} and the employee name and time my Receipt number is XXXX the young XXXX Employee # XXXX Stated that she owes me {$7.00} back but would have to be mail to me which was odd However they keep Harassing wont take this off my credit report and now my credit report says Im very Delinquent because of this situation and I want it off and fixed on my credit report I talk to 7 different employees on Multiple occasion have all times and dates Ive walked back into the office to scan my Receipt more than once I got the name of the employees who said I paid this loan off already but Oportun/ progresso. FI. XXXX seems to keep Harassing me and calling me Ive tried everything to fix this problem which is tiring because Ive paid my bill have my Receipt employees looked at my receipt and said the same thing so why is there Corporate office giving me a hard time I just want this off my credit reportI and saying I paid in full Dont no where else to turn. Not to mention they tampered with my paperwork 3 days after I make a payment without my permission or Knowledge so if you can please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information on my credit report with Experian. Experian responded and claimed they had investigated the information and verified the information was accurate? They advised me to contact the reporting company directly, which I did. The company in question is XXXX XXXX XXXX. I spoke with billing department supervisor XXXX XXXX on XXXX/XXXX/XXXX, and was advised that they have NO record of EVER speaking to anyone at Experian regarding my account. Furthermore after reviewing my account the supervisor advised me the amount owe is not what the three major credit reporting companies are reporting. I asked for documentation to show them that they are reporting false information and the supervisor walked me through on how to get my statement online, ( I will be attaching that with this complaint ). Experian never investigated so it 's clear they are willfully reporting false information on my report. Experian claims I have a balance with XXXX for {$11000.00}. My account statement will show that 's incorrect.
Product: Credit reporting or other personal consumer reports

Im writing to dispute erroneous negative Information reported in your records Under my social security number. I was Impacted by the customer data security breach and believe this may have contributed to unauthorized activity on my account. Upon obtaining a copy of chexsystems report I discovered several inaccuracies including entries from banks with which I have no affiliation. Specifically, your record shows non sufficient funds on or around the counts. I contest these records as they are inaccurate, I have no relatationship with these institutions and didnt authorized the account. Inquires, or transact therefore I request that you. 1.Conduct a thorough Investigation of the disputed records under the fair credit reporting act ( 15U.S.C1681i ) Provide Verifiable documentation or evidence from the reporting entities substantiating these entries.Delete the unverifiable inaccurate or unauthorized records from my chexsystems report.send me updated copy of my chexsystems reporting reflecting the corrections as a credit reporting agency, you are required to comply with the fair credit reporting act ( FCRA ) per is U.S.C 1681i ) a ) you must investigate disputed information and correct or delete inaccurate incomplete or unverifiable information within 30days. Failure to comply with federal regulation including those outlined under 15U.S.C 41 et seq.May result in Investigation by the federal trade Commission ( F.T.C ) or the Consumer financial protection Bureau ( CFPB ) .Im keeping meticulous records of all correspondence related to this matter for submission to appropriate authorities Including the Alabama attorney Generals offices Should you fail to act in compliance I would like to remind you of potential liability for willful non-compliance as established in should you fail to provide documentation including assigned contract or agreement bearing my signature I purse legal actions against Chexsystems for the following damages : Defamation of character ; Negligent eneablement of identity fraud : Violations of the fair credit reporting act. I will seek denages of ( XXXX ) In court if my request are ignored. I will also be filing federal complaints. Please ensure compliance with the FCRA and provide a written explanation of your findings after completing your investigation. Additionally, Send me an updated copy of chexsystems report to comfirm correction have resolving the disputes within the legally mandated timeline.
Product: Credit card or prepaid card

Someone used my information and had a credit card from capital one. I just opened a XXXX XXXX account. I saw there's an open account in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive tried contacting the company several times through mail and CFPB And nothing gets rectified they say theyve done a full investigation. I just put the same incorrect numbers on my credit report.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

REMOVE UNAUTHORIZE INQUIRIES XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ON MY CREDIT REPORT :
Product: Credit card

XXXX XXXX XXXX sold my account with a balance which was previously paid off on XX/XX/2023 to Concora Credit. I have called both companies several times, XXXX XXXX XXXX no longer answers calls and Concora has failed to resolve the issue after numerous calls with payment information which proves paid in full. Am going to sue for damages this is making me stress out. I need help to resolve.
Product: Payday loan, title loan, or personal loan

Title company made aware of my severe financial XXXX XXXX  in XX/XX/XXXX & multiple times after that date. I asked to negotiate with lender for a payment plan ; per the lender, i was not eligible until I paid several more monthly payments. I requested, again, after approximately XXXX  months to work a hardship payment plan for me - denied. XX/XX/XXXX, I insisted on my lender to help me due to my financial hardship worsening. They stated they can not do extensions or defer my payments due to my XXXX  agreement and denied XXXX  loan from them. I told them the payment is to much money/month and can not afford to pay all & offered partial payment for monthly payments. They declined my request and stated if I am XXXX days past due, I will have my car repossessed. Note : I HAVE NOT MISSED ANY PAYMENTS & NEVER LATE. 

This complaint is to ask for assistance with an uncooperative lender knowing my severe, financial hardship and crisis. Please help. This is XXXX to prevent car repossession. 

Also, I have applied to XXXX other secured lenders for refinancing options- denied.
Product: Mortgage

On XX/XX/ Webster Bank gave me a HELOC of {$47000.00}. I started using the for updates on my house. When I did the purchases I used my XXXX credit card to get points. So when I did that of course my credit is going to fluctuate, well they didn't tell me they will freeze my account if that would happen. So after I used it I got stuck with a frozen {$29000.00} account and a credit card with a big balance. Also my credit score went really low because of both. When I talked to them about it, no one could help me. They just said I need to pay it.