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

XXXX Account Number XXXX This account does not belong to me. 

XXXX XXXX XXXX Account Number XXXX This this should be removed from my credit report, it's been past 7 years! 

XXXX XXXX XXXX Account Number XXXX This does not belong to me. 

XXXX XXXX XXXX XXXX  Account Number XXXX Section 1026.10 ( A ) Does not require the creditor to post the payments to the consumer 's account on a particular date. The creditor is only required to credit the payment as of the date of the receipt. Meaning, the creditor can only report payments on date of the receipt, not before or not AFTER!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Experian with their unfair credit reporting practices. I have disputed numerous times and asked for method of verification and they have not sent me anything to date that what they are reporting is verified as accurate per the law they are required to do so. 

They are reporting collection accounts with a past due balance inaccurately on my credit report and in accordance with the Fair Credit Reporting Act Public Law 91-506 Title VI, Section 611 Subsection A-D they need to provide the names and addresses of each individual with whom they verified the accounts and the information that they are reporting. The collections in questions are with XXXX XXXX XXXX. 

I will also be filing an official complaint as well with the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. Also 15 USC 1681 Section 604 A Section 2 : it states a consumer reporting agency can not furnish a account without my written instructions. Lastly 15 USC 1666B states a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 

Please remove the late payment status off of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor 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 XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I lost my job and this company CashNetUSA still drafted payments out of my account of the sum of {$300.00} bi-weekly for a {$1800.00} personal loan they had no means to helping me out in my hard time and I had to suffer it out. The other thing is they do not report these payments to the credit bureaus I'm on time and I may have paid them close to {$8000.00} in payments also these payments could average from {$600.00} to {$900.00} in 1 month absolutely ridiculous. I can not afford to continue to make these kinds of payments I need financial Justice, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed a dispute with Equifax regarding a collection account that suddenly appeared on my credit report. I notified Equifax that XXXX XXXX XXXX XXXX XXXXXXXX XXXX randomly put this account on my credit report without notifying me of the account. I never once received a bill from XXXX or any other communication. I explained to Equifax that I called XXXX and they stated they had a previous address on record. I informed Equifax that XXXX, the holder of the debt, has my most recent address, which has been my address since XX/XX/XXXX. Equifax 's response to my dispute was only that the account was mine. 

The problem is, Equifax does not advocate for the consumer. There is no way a collection firm should be able to put negative information on someone's credit file without showing due diligence to recover the debt. There was no effort on the part of XXXX. XXXX previously placed the debt with the XXXX XXXX XXXX XXXX XXXX XXXX registered as XXXX XXXX. I arranged bill payments directly to XXXX XXXX. After several payments I was informed that XXXX XXXX no longer had the account. I had to have my credit union stop payment on 8 checks that had already been sent to XXXX XXXX and cancel the direct payment. 

When Equifax refused to remove the collection account I set up bill payments to XXXX, I have since received a letter from XXXX along with a check stating they do not have my account. At a minimum Equifax should have removed the item and informed XXXX that they had to make an attempt to resolve the matter without putting the derogatory information on my credit report. All of this time the item has been on my credit and I can not seem to get anyone to take my payments. 

I continue to file complaints about the credit bureaus. The credit bureaus are for profit and that is in direct conflict with the decisions they make when making decisions about a consumer 's credit. They are essentially working for big institutions. They pedal credit cards for banking institutions and other products. The credit rating system is corrupt and it can adversely impact people 's lives greatly. It affects where they live, work and what they can purchase. Credit impacts whether or not a person can get life insurance. That much power should not be allowed without strict regulation. They should not be able to work for those entities holding debt. It is just being bullied and ganged up on. There is nothing fair or just about the credit bureaus. Why is there such a high burden on the consumer to disprove the information on the credit report and no burden placed on the company? The credit bureau merely asks the question and whatever they are told that is the end of the investigation.
Product: Payday loan, title loan, or personal loan

I didn't like the way they collected payments, so I paid off the loan in its entirety before the first payment was due. Then I requested they close the account. That was in XX/XX/2019. As of this date, I have called them back two additional times and they have still not closed the account. It is XX/XX/2019 today. They keep promising, but they never close the account.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX  I noted a late payment from XXXX XXXX XXXX on my credit report. I'd reached out to them to update this information a month ago. On XXXX XXXX  Trident Asset Management company and XXXX XXXX XXXX XXXX to utilize inaccurate information form another party without my consent ( fraudently ) to report to credit bureaus that's affecting my credit and personal character negatively which is not allowed by law. I never signed an agreement with this company. i do not owe any debts to the said company. I have not given permission to share my private information with a third party which has been utilized in a negative way to damage my character. This information has affected my ability to acquire business funding, better employment opportunities, and ability to purchase/ obtain housing. 

In accordance with the FRCA, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Any negative information is declamation to my personal character.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXXXXXX 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 a account without my written instructions
Product: Debt collection

On XXXX XXXX, 2016 at XXXX. XXXX I received a voicemail from Dynamic Recovery Solutions from XXXX. 

I called them back at XXXX. XXXX. I requested the name, address, and phone number of who they were calling. He kept asking if I was XXXX XXXX. I finally confirmed I was XXXX XXXX and he took a very long time to finally give me the contact information that follows : Dynamic Recovery Solutions XXXX, SC XXXX XXXX At this point, I requested to know the name and address they had on file for me. He provided an address that was added to my credit report during an incident of identity theft. 

I asked who they were collecting on behalf of and he asked if I would validate the last XXXX digits of my social security number and then read them too me. I refused to verify this information and he refused to tell me who the collection was for. 

My understanding is they should not be handing out even the last XXXX digits of my SSN to anyone, ever. I suspect they are n't a valid debt collector.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX 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 to be updated.

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 TRANSUNION 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: Mortgage

XX/XX/XXXX : contacted Mr. Cooper/Nationstar to leave forbearance since that was a requirement for a refinance on another property. Paid outstanding balance and was told the system would send me an email reflecting my status of being off forbearance within 24 hours. I did get this confirmation # XXXX for the transaction. No email received. 

XX/XX/XXXX : {$0.00} balance showing due on Mr. Cooper website but status still showing active for the forbearance program. No email received. 

XX/XX/XXXX : Called customer service to see what the delay was. Spoke with XXXX, escalation specialist, phone number XXXX. He informed me that I got wrong info on XX/XX/XXXX, he attempted to terminate the forbearance again. No immediate resolution, I was told to wait 3-5 more biz days. This phone call lasted 45 minutes. 

XX/XX/XXXX : Called customer service to see what the status was, spoke with XXXX XXXX, escalation specialist, phone number XXXX. He reported that XXXX 's attempt was unsuccessful so he went through the process for the 3rd time AND escalated the problem. He also emailed with his supervisor and someone named XXXX who pushed the problem back on XXXX and was no help. This call lasted over 1 hour. 

XXXX then told me he would call me before EOD and that I should also try back tomorrow. He did phone me and left a message reporting that he had no updated info. 

XX/XX/XXXX : No change to the status of my account. I am now on hold waiting for yet another supervisor. I was just told that no supervisor is available but one would call me back in 48 hourswhich of course means 48 biz hours so sometime on Tuesday, XX/XX/XXXX. 

Those are the facts. 

I feel like this is one of the worst companies I have ever interacted with. Everyone is pleasant on the phone but completely ineffective. They are incapable of doing anything other than reading off a screen. 

If I could punish them for the hours of wasted time and stress that they have caused, I would gladly do it. Hopefully this complaint will shame them in some way.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to in adequate customer service and unfair practices, which violate the Consumer Financial Protection Act. ( CFPA ). Specifically, CashApp 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 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

Im not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.
Product: Checking or savings account

Someone accessed my account due to my phone being stolen I had supporting documents police reports and they still have not paid me my money
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 demanding to be deleted immediately : 9. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 10. Validate Account XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureaus multiple times on this issue. my initial investigation started XX/XX/2021 and is long overdue for removal under the terms that the bureaus have yet to send me proof that I in fact submitted these inquires myself such as original documentation with my signature, instead, they just send letters saying it's been verified but they are going against the FCRA by not sending me the proof they obtained! I've pleaded for proof but still, no proof has been sent! here is a copy of the letter XXXX sent me in response saying it's been verified. if you in fact verified this account why have you yet to send the proof of verification to me as well! please help me in this matter! they are affecting my credit report negatively! this also goes for TransUnion and XXXX
Product: Credit reporting or other personal consumer reports

I'm in the process of buying a home and I realized I had damages on my credit report According to the 15 U.S. Code 1681 there should not be any damages on my credit report it's a defamation to my character. " I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' XXXX XXXX XXXX XXXX {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My correct date of birth is not reporting on my credit reports XXXX Multiple addresses are reporting on credit report, that is not my correct date of birth XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card

I paid off this card on XX/XX/XXXX, I followed by paying off the {$15.00} service fee on XX/XX/XXXX. Thus making my balance {$0.00}. I have not used it since due to their increasing the interest rate to 35 %. 
On XX/XX/XXXX I checked my app dashboard and saw there was a balance of {$26.00}. 
On XX/XX/XXXX I called about this charge and when I asked for a supervisor, I was given the runaround and then told a supervisor would call me back by the end of the day. No one called. I locked the card On XX/XX/XXXX I called again and was again told supervisor wasn't available. I said I do not want a call back, we tried this yesterday, I'll hold. The supv finally answered XXXX minutes later and said she could not see any charges either and will turn this into the complaints department and someone would get back to me. I closed this account due to the terrible customer service I have received every time I've called since I got the card and I no longer trust this company. No one ever called. 
On XX/XX/XXXX I checked the dashboard before I called again, balance was still there and transactions were there. They were charges from California and XXXX XXXX. I did not make these. So I called again and XXXX minutes later got supervisor XXXX who transferred me to card services after encouraging me to pay the fraudulent balance. Card services stated they couldn't help me because the account was closed, encouraged me to pay the balance and transferred me back to customer service. Next I got XXXX the supervisor who stated I had to wait XXXX business day to get a confirmation of the complaint being filed. I said meanwhile that balance is going to rack up charges that you will place on my credit. She also encouraged me to pay the fraudulent balance. So I told her No thanks I will just file a complaint with CFPB, have a good day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX /   2017    XXXX    XXXX  was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment.   XXXX     XXXX  never responded to my letter.   XXXX   XXXX   was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,  2017  and the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XXXX / XXXX /   2017   XXXX   XXXX  jumped the loan amount back to {$50000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original complaint was filed back in XXXX number XXXX with the text messages to me and my relatives. 

Recently, I have been emailing them and even called them because they have on my credit report via credit karma this account was opened XX/XX/XXXX which is not true! I have asked them verbally on a call in XX/XX/XXXX, multiple disputes via XXXX XXXX, emails as well as not only will no one correct this but they also will not provide me with the contract I dinged when I applied proving the card open date which is around XXXX. XX/XX/XXXX. 

Today, I get in the mail a 10 page, front and back package of statements which i did not ask for and proves nothing since it has nothing to do with my request. 

With the multiple emails I have sent, they have responded to one simply saying the debt is valid which again does not answer my questions. 

First it was the harassing text messages to my phone, my cousin, my uncle and my ex husband in XXXX and not this! 

Please see all supporting attachments.