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

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ CFPB ] [ XXXX XXXX XXXX XXXX : Dispute of Inaccurate Information Code 15.c Dear [ CFPB ], I am writing to formally dispute certain inaccuracies in my credit report concerning accounts reported by the XXXX XXXX XXXX and XXXX XXXX. I believe these accounts contain errors that do not accurately reflect my financial status. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Status : Open/Closed - Account Type : [ Specify if known ] - Balance : [ Specify if known ] - Date Opened : [ Specify if known ] XXXX. XXXX XXXX XXXX - Account Number : XXXX - Status : Open/Closed - Account Type : [ Specify if known ] - Balance : [ Specify if known ] - Date Opened : [ Specify if known ] XXXX. XXXX XXXX - Account Number : XXXX - Status : Open - Account Type : Education - Balance : {$XXXX} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : [ Specify if known ] - Status : Open - Account Type : XXXX  - Balance : {$XXXX} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : [ Specify if known ] - Status : Closed - Account Type : Education - Balance : {$XXXX} - Date Opened : XX/XX/XXXX I am disputing these accounts under Code 15.c, which pertains to inaccuracies regarding the status and balance of the accounts listed above. Upon reviewing my records, I have identified discrepancies that require correction. 

I kindly request that you conduct a thorough investigation into this matter and provide me with the results as well as a copy of my updated credit report once corrections have been made. Enclosed are copies of relevant documents that support my dispute, including [ list any documents you are including, such as bank statements, payment records, etc. ]. 

Thank you for your prompt attention to this matter. I look forward to your response and the correction of my credit report. 

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

I received phone calls from student loans representative after graduating in XXXX claiming that I did not need to make payments till I found employment. I could therefore apply for forbearance and deferment of payments. I did so and after a few months, reapplied. However in XXXX of XXXX, I received missed payment and delinquency remarks on all ( 12 ) of my student loan accounts on my credit report. I called to inquire of the incorrect reporting and I was told it had already been reported to the bureau 's. Till date the remarks are on my report. I applied for deferment twice in XXXX but still received missed payments on all accounts. There is lack of transparency and accountability in this matter. Thank you.
Product: Credit card or prepaid card

I was denied a XXXX XXXX from the XXXX XXXX XXXX. I'm a frequent customer of XXXX ( to the tune of thousands of dollars a year ), and I often miss out on sales because they are for card holders only. 

I have good ( even " excellent '' ) credit ( XXXX from XXXX   ), over 22 years of credit history, no " derogatory '' items on my credit report : basically nothing negative. I can see no legitimate reason to deny me such a card, but the reason given was, implausibly, " Insufficient Credit Experience. '' I have worked hard to obtain a good credit rating, and I'm surprised and disappointed to see these predatory financial companies deny me credit anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft a few years ago and I still have issues with someone attempting to open accounts in my name leaving me with hard inquiries I've contacted XXXX and Equifax and was informed a mother ago to send in documents to support my claim and I did I sent in Police Report along with the Ftc and my credentials that was over nighted and they still refused to remove the fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting two credit accounts on my credit file that are included in bankruptcy. They are reporting a balance history that is inaccurate, a payment record that is inaccurate and as I am not legally liable for these accounts, i respectfully request that Bank of America REMOVE the two credit accounts that are reporting on my credit file. 

The following is an excerpt from an FTC notice regarding the reporting of these types of accounts. Bank of America subsequently removed all reporting for included in bankruptcy accounts and was sued in a class action lawsuit for this exact purpose. 

" Section 607 ( b ) of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In our view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " charged off as bad debt '' if the account was open and not charged off when the consumer filed bankruptcy. Such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. '' Because Bank of America had not actually written off the account ( I had not been sent a XXXX and they were still actively pursuing the recovery ), i request the removal of these tradelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised, I am XXXX XXXX XXXX. And I am submitting this complaint and accompanying documentation myself without any involved third party. This is not any sort of company or lawyer. Although I am using legal terminology, that is because I am aware of my rights as a natural consumer & will be pursuing legal resolution should be issue continue to be unresolved ignored. So that being said, fact, XXXX XXXX is in default and violation of FCRA statute 15 USC 1681i due to their non-responses to my previous request to remove invalidated information and information that they've illegally obtained without my consent from my consumer report in their database. Fact, XXXX XXXX received affidavits along with supporting documents on XX/XX/2021, at XXXX that detailed the specific records that were in need of removal due to their numerous violations per FCRA statutes for illegally obtaining, storing these records in their database, and reporting these records to other non-affiliated third-party consumer reporting agencies. XXXX XXXX did not fully complete the removal process nor fully respond to that request within the 30 days ( from the date of receipt of the consumer ) as required per 15 USC 1681i and as a result, they must now remove all of the records referenced in the original request that they received on the date listed above. The specific records that are referenced in that documentation, that was submitted to XXXX XXXX and that is now well past the 30 days allowed, and now must be removed immediately, are as follows : Bankruptcy Records Public Records ( 5 Records ) Identification Records ( 56 Records ) Address Characteristic Records ( 35 Records ) Phone Records ( 11 Records ) Education Records ( 7 Records ) Business Association Records ( 11 Records ) Online Marketing Records ( 20 Records ) Property Deed Records ( 1 Records ) Insurance Policy Records ( 4 Records ) Automobile Insurance Claim Records ( 3 Records ) Inquiry Records- ( 7 Records ) XXXX Records ( 43 Records ) Failure to comply with my request within the next 10 business days will be evidence used in federal court for your noncompliance under FCRA 616, 15 USC 1681 ( n ) and I will be seeking statutory & punitive damages in addition to the cost of the action and reasonable attorney fees.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$630.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9300.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$2600.00} XXXX  XXXX Balance Owed : {$87.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

The following is a simplified version of a very convoluted story : Fifth Third Bank purchased my mortgage from XXXX, a XXXX XXXX roughly in XXXX of XXXX. The management of my escrow account has been a nightmare. I changed my home owners insurance carrier from XXXX to XXXX effective XX/XX/XXXX, informed Fifth Third XXXX Department of this and asked them not to pay the XXXX account, but XXXX instead. I was assured by phone this would happen and not to worry about it. In spite of this assurance Fifth Third paid both policies duplicating my home owners coverage and raising my monthly payment from {$1300.00} to {$1700.00}. This was of course a hardship. I intervened, and after much work on my part received a refund from XXXX. In one of my many calls to Fifth Third XXXX Department I asked for an investigation and explanation of how and why this happened in spite of my best efforts to head it off. I never received my request. In another call the person insisted that the inadvertent payment never occurred! 
As a result, of Fifth Thirds mismanagement of my escrow account in XX/XX/XXXX I requested to manage it myself. To summarize, I ran into a buzz saw of confusing red tape and futile phone calls consuming hours of my time. Amid the confusing fog of many contradictory phone calls, irrelevant letters and emails sent to me by Fifth Third I have been told that I am meet the requirements to manage my own escrow. I have paper copies of all of this and can through documentation of this complaint if required. It is now XXXX and I still do not have control over my Escrow account despite being assured that I qualify. I have spent hours and hours in phone calls, writing letters and emails and get nothing but confusion and then silence for Fifth Third. I want to be released from this nightmare. Please help!
Product: Prepaid card

I reported my card & transactions last month on the XXXX it has now been over XXXX days & I've gotten no where. I never received the questionnaire Direct Express mailed me so I was advised to submit a hand written statement which I did. I wasn't told any of the numbers for my claim to put on my statement so I left it blank. On the XXXX of XXXX I received a deposit for XXXX which is good yet I'm still missing XXXX so when I called Direct Express on the XXXX I was told it was to late for me to receive a provisional credit since I didn't submit documents come to find out my claim that I made was split into XXXX different claims how would I even know that? So on the XXXX the lady I spoke with said she was sending over a escalation and they had until the XXXX of XXXX to decide if I'd get the credit or not. Well I never heard anything back then the beginning of this month I received a call from someone named XXXX stating she was a advocate with Direct Express and she'd be my main point of contact. Since that day I've never heard from her again. I keep getting the run around & I'm honestly over It. It shouldn't take this long an I don't understand why when I call and stay on hold for over an hour sometimes longer none of the reps can tell me anything that helps. They claim they don't know anything or they say just wait. Well this isn't your money so of course it's easy to say " JUST WAIT '' XXXX person even told me " You just called yesterday why do you keep calling thinking you'd have an update ''. Please fix my issue & hire new knowledgeable CUSTOMER SERVICE REPRESENTATIVES!
Product: Credit card

I am exhausted telling JP morgan Chase sapphire card over 30 times now that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  interest payment All the above are NOT my charges. XXXX XXXX charged these. He was removed from the card in XXXX. 
I demand ; IP addresses for all the above transactions And Reimbursement for all the above transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/LATE PAYMENTS/INQUIRIES AND INACCURATE ADDRESSES from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine 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 FCRA violations : not my addresses 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  FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} Status Closed. {$7400.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Collection account. {$1600.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} XXXX XXXX account. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$8600.00} Status Account charged off. {$8600.00} written off. {$8600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1800.00} Status Account charged off. {$1.00} FCRA violations : payments never late XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Credit card or prepaid card

When accessing my Bank of America credit card account, I have noticed that even with the redesigning of the site, the information displayed is viciously misleading, which has lead me to miss and/or misunderstand the amount due. On XX/XX/XXXX at XXXX PST I called Bank of America credit card services to not only express my concerns, but to inquire about an interest charge and to understand my ACTUAL balance due. After the rep spoke with me, and condescendingly explained the charges and information displayed on the website, I expressed great concern for the manner in which information is being displayed and asked the rep to relay my concerns to her boss who should also relay it to their boss. See pictures attached, pay close attention to credit card information displaying the current balance, statement balance, payment due date, etc., etc., etc. Upon speaking with the representative tonight, I repeated myself several times to ensure that I knew what balance is due this month. The rep told me that {$0.00} is due because I made a payment in full on XX/XX/XXXX ( displayed on my statement on XX/XX/XXXX??! ). The rep went on to state that, even though my online dashboard shows that I have a statement balance of {$2000.00} due by XX/XX/XXXX, and a current balance ( with no due date anywhere is sight ), {$1500.00} will be due on XX/XX/XXXX. " Okay, great! Thank you!, '' I exclaimed, " but this is definitely NOT what is displayed on the online dashboard when I log in to pay my account! '' When I explained this to the representative, she stated, " log back in on the XX/XX/XXXX and the amount due will be {$0.00}. '' This is not a solution. To log back in after the close date of the credit card means that I could be late on paying my credit card. That does not help me to understand what amount is due on the XX/XX/XXXX. What I do know is that every month my balance is due on the XXXX and I have until the XXXX to pay the balance in full or I will be assess an interest charge. I also understand that the balances due are incurred from previous months. I understand this all but this is NOT what is displayed. I feel this website is purposefully misleading or someone is just really bad at designing a website/dashboard. My credit card was opened in XX/XX/XXXX and I have been dealing with this issue since I opened the card. I take pride in paying my credit card in full every month but it is purely because of how Bank of America continues to display misleading information that payments are missed or late.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL INACCURATE /INCOREECT ALL PERSONAL INFORMATION: 

NAMES: 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
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 proce 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 15. 
financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I do not know who stole my personal information but I am a victim of identity theft and there have been accounts opened under my name without my authorization, consent, or knowledge. These accounts are showing up on my credit report but I never opened these accounts! 

The data breaches my personal information was involved in are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information was stolen multiple data breaches! 

The following accounts were opened fraudulently with this creditor and MUST be removed from my credit report : XXXX XXXX XXXX XXXX. XXXX, XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$16000.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$10000.00}
Product: Checking or savings account

I contacted Comerica to dispute a XXXX  charge on XX/XX/21. I was asked for additional information which I supplied in early XXXX. Comerica has not provided any additional, ongoing updates regarding the dispute, and in fact, another unauthorized charge came through from XXXX for {$620.00} on XX/XX/21. Why was my dispute not resolved, and why has a new, unauthorized charge been allowed to come through from XXXX I was told that they would no longer be allowed to charge my account??
Product: Mortgage

This second complaint is in correspondence with my previous complaint filed with you on XX/XX/XXXX complaint XXXX. Homebridge financial services inc has not resolved this issue. The tax exemptions department has not adjusted my mortgage payment back to XXXX to date. I have submitted proper supporting documentation along with XXXX city Metropolitan department stating that the error to my water consumption for XXXX was corrected. I have called to follow up with this issue on XX/XX/XXXX And XXXX to get the status and I was left on hold for an extended amount of time and no one answered to give me an update or status to when this will be completed. This is the second month I am left to pay a high mortgage payment of {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent yet another dispute to Equifax because these two accounts were reporting as the same account. These accounts had already been investigated and deleted by XXXX  as they were unable to be validated but Equifax continues to update and validate. I have requested Method of Verification in the past and not received results just another updated dispute, I have attached proof of the XXXX deletion as well as the last dispute letter. 
In XX/XX/2019 I received a response from XXXX stating that the following account could not be verified nor validated, and it was immediately removed from my credit file : s XXXX   XXXX XXXX XXXX XXXX XXXX ( Same Account )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; FXXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; FXXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$260.00} ; 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 or other personal consumer reports

On XXXX XXXX I received XXXX notifications from Experian XXXX  the XXXX XXXX that all XXXX accounts wer paid and decreased. Also the credit score was deducted XXXX points pertaining to this new information. The XXXX loan has never been reported late it in negative status. 
The s Or should have sent up or remained the same. There were no ther visible or detailed information of any other changes to accounts at the time of the significantly drop of XXXX points to the score. Under the d ire when you click the see what changed it states that the s ire dropped for accounts being paid and the balance decreasing. The account is current and paid. There should not have been a drop in the s off pertaining to the student loan information.