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

This report is in reference to two reports, 1 report # XXXX filed on XX/XX/XXXX then additional report # 2, report # XXXX against Experian credit reporting with add information. I just received an email from Experian, dated XX/XX/XXXX that there response to the above two complaints, both really one, as to the falsely, inaccurate, and incorrect reporting they are reporting on my Experian credit report as a creditor, XXXX XXXX XXXX, that was discharged in XXXX bankruptcy, Experian is refusing to, not only report correctly, but actually continues to report this creditor as, account charged off, written off, AND NOW past due as of XX/XX/XXXX!!! Again, this account, XXXX XXXX XXXX that suddenly appeared on my Experian account as noted above in XX/XX/XXXX but never before this month, and was included with other creditors in bankruptcy filing in XXXX is outrageous. Out of the creditors in XXXX included in my bankruptcy, Experian chooses to pick XXXX XXXX as somehow being charged off, written off and PAST DUE as of XX/XX/XXXX in their response is illegal, false reporting and misleading information on a credit reporting agency site. This creditor, XXXX XXXX should be, legally, shown in bankruptcy records, and reported as included in bankruptcy of XXXX, WITH ALL THE OTHER CREDITORS INCLUDED IN THAT BANKRUPTCY FILE!! This false, misleading and now, illegal, I believe, and unethical practice of reporting this creditor, XXXX XXXX as past due as of XX/XX/XXXX is completely UNTRUE. Just check bankruptcy! Experian is deliberately refusing to report accurately, correctly as to this discharged creditor in bankruptcy but chooses to report it as past due is hurting my fico score by XXXX points for false, misleading information to this creditor. Im asking this government agency to file a formal complaint against Experian at this time. Nothing other then immediately removing this creditor, XXXX XXXX from my Experian credit report, reporting it as included in bankruptcy and Not past due will be accepted.. Ive already informed Experian of filing a civil complaint in small claims court by the attorney of record for the bankruptcy filing if not addressed. Apparently, Experian and incompetent representatives are now deliberately ignoring, and falsely reporting this information about my credit using there agencies resources as to public or American citizens credit reporting. This is abuse of authority and unethical conduct from a credit reporting agency that is overseen by the federal government. Im now asking the federal government to step in and stop this nonsense. Im starting to believe Im being racially targeted and discriminated against at this point. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a letter from Equifax in the mail claiming that the identity information i provided does not match the information they currently have on file. In my recent dispute i filed with CFPB, i attached my current ID that has the exact address they sent the letter to, Social Security card, proof of address that has the exact mailing address they sent the letter to. This claim is entirely false & i believe this is a deliberate stall tactic to avoid properly investigating and addressing my disputes! Which is a violation of the FCRA once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late on my credit report from XX/XX/XXXX on a XXXX card when in fact that account was paid off in XX/XX/XXXX. I called company and they said that they are not reporting this because there is no late to report. However Transunion is reporting me late of XX/XX/XXXX on that account and I need this to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> RE : Letter to Remove inaccurate information To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data to this account is reporting accurately including every notation, date and balance weather reported or not. 

Account XXXX XXXX Number XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payment were in fact late. By the provisions of the consumer protections laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors that have requested a copy of my credit report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided 15 days of the completion of your reinvestigation. I also read that under the federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate this items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete 30 days of receipt of this letter, or you must remove the incorrect information. 

Please send an update copy of my credit report to the above address. 

Thank you for your time and help with his matter. 

Sincerely XXXX XXXX XXXX
Product: Debt collection

I have a loan showing up on my credit report that does not belong to me in the amount of {$500.00} open on XX/XX/year>. This is the first action i am attempting to take to report fraud and i also filled a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$20000.00} ; XXXX OF EDXXXX XXXX Balance : {$450.00} ; DEPT OF EDXXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX  XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX Balance : {$280.00}
Product: Credit card or prepaid card

For the past 7 year I have been charged XXXX on my credit card and when I called discover card they said they could not tell me because it has been more than 7 years. They said it was for a cash advance but could not tell me for sure or how much the cash advance was. Every month they out the money but cant tell me why. My limit on the card is XXXX  in7 years ve paid over XXXX for this charge. I told them I dont ever remembering doing a cash advance and if I had charging me XXXX a mont for 7 yer shouldhave for any advance. They said they cant tell if there was a an advance credit ant that it was my fault for not calling sooner
Product: Student loan

Navient has been leading me into multiple forbearance instead of letting me process a simple income driven plan. My interest has driven the cost of my loans UP {$3000.00} this year ALONE! 

I called XX/XX/XXXX, XX/XX/XXXX I was told to renew my XXXX plan. I told to wait oh, and I heard nothing for three months. After that. Of time in XX/XX/XXXX I was offered a forbearance. then, after 1 month when I called back after seeing navient raise the principal {$300.00}, they offered me a 3-month forbearance. This year the loan value will increase again over {$1500.00}. This is predatory and unforgivable. 

I can not sustain an expanding debt. Please XXXX, help me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to customer section and unfair practices which violate the consumer financial protection act CFPA specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, they dispute as they did not comply with the error resolution requirements under the electronic fund transfer act EFTA in regulation E. these actions have significant inconsiderate in financial loss and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

I can't believe what I found on my credit report this morningthere are inaccurate accounts listed that I can't explain! I checked it like I always do, and suddenly there are discrepancies that came out of nowhere. I even refreshed my browser, hoping it was just a glitch, but it didnt fix anything. Those wrong accounts are still there. Because of this, I need the documents I submitted to be reviewed carefully so I can finally stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

I have sent something to them to change information they swore it was sent by someone else so they would not have to change it. They make sure they keep my score under XXXX by all means I can pay a bill they will show something that credit score not up because I dont have a property rental and paying a bill does not move it like the others. I believe its due to race because I sent a picture of an ID and social security card along with request to change the information. But through them I have called and talked to multiple people and overheard staff saying they werent going to change any information no matter what I sent. They were laughing when I became frustrated I am tired of dealing with them If I could I would sue. I know that the bankruptcy should be coming off but they dont want to remove it. I have never had nothing but trouble from this credit reporting agency. They at first did not want to remove the block I had on the report but I guess I should not have sent a copy of my id they make sure to drop Score and never report any of my payments to keep score down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 

I was advised by a legal friend of mine that under

15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. Therefore I want the following accounts to be updated to
the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 

I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate every piece of information and remove these items below from my credit report. 

Accounts there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Delete this account. 

The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Mortgage

I am the insured owner of a property that was destroyed in a fire. The XXXX company named is XXXX. XXXX issued me a check in the amount of {$110000.00} on XX/XX/2023. I held onto the check beyond the expiration date and requested XXXX to re-issue the check, They advised they re-issue same. 
Sixty days later, I contacted XXXX to verify that the check had been sent. I was transferred by phone to the insurance XXXX XXXX XXXX, whose line went directly to voice mail. I made several attempts to contact XXXX XXXX, or anyone else that would assist me from XXXX. 
I contacted the mortgage company- PHH Mortgage Services , who advised that they had the funds. I asked them how did they get the check without my required signature, as both, myself and the mortgage company were required to sign off on the check.

I did not sign off on the check, not did I sign or agree for PHH Mortgage Services to have access to any of the funds from the check. 
How did PHH Mortgage Services end up with the check without my signature, and why wasn't I notified by either XXXX XXXX or PHH Mortgage Services of this action. 
It was stipulated on the letter with the check that both parties had to sign the check. 
PHH Mortgage Services is now in possession of my home owners property loss funds, while additionally charging a continued monthly insurance fee of over {$200.00} per month and {$500.00} per month on a totaled burned structure of which I am the owner. I have nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! I am very disappointed.
Product: Money transfer, virtual currency, or money service

Wonder the guise of Free conversion from crypto to crypto coinbase charges a huge spread when making these Free conversations. They need to disclose the spread and the cost of that crypto to crypto transfer.
Product: Money transfer, virtual currency, or money service

Wise notified me on extremely short notice that they would be changing my domestic USA wire details to a new account. I notified my employer, however they did not update the details in time and my salary payment was sent to the old Wise account details. 

It has been over one month now, and I still have no idea where the money is. Wise said that the money would be 'automatically returned ' after 14 days, but it's no where to be found and my employer has told me that the money has not bounced back or been returned at this point. 

I have also called the receiving bank that Wise were using ( XXXXXXXX XXXX & XXXX ) but they have not been helpful in locating my money or returning the wire.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates of XX/XX/XXXX of 2024XXXX XXXX 2024 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason I request that all of the attached inaccurate information listed in my credit file be corrected immediately. 

XXXX XXXX XXXX Balance Owed : {$700.00} - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. Update for legal correctness, please. 

XXXX XXXX XXXX XXXX Balance Owed : {$22.00} - You are reporting DELETED data from other bureaus or accounts. FCRA mandates that reporting be 100 percent correct or that the account be IMMEDIATELY REMOVED. 

XXXX XXXX XXXX XXXX : {$0.00} - This account should not be showing the current status of 30 days late since they have already been paid for. The current status of this account should not be showing derogatory information that is unnecessary and damaging to my credit report, which is a violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect consumers from " unfair credit billing and credit card practices. '' It would appear impossible for late fees to be accumulated on a paid-in-full account. Please look into these absurd statuses and let me know when there was activity on the account last. 

XXXX XXXX XXXX XXXX : {$0.00} - I think the information provided in this account is false. When it comes to the dates this account portrays, I don't think I was late. I always make my payments on time and have never been late because I keep track of them. Please check the account 's name, latest activity date, and balance. This information appears to be inaccurate. Please conduct an investigation and update this account to reflect legal accuracy. 

XXXX XXXX XXXX Balance Owed : {$0.00} - The following account should be on my credit report, so please provide proof that this is the case and that my rights have not been suspended. If not, kindly remove this damaging data right away. 

XXXX XXXX XXXX XXXX : {$1400.00} - By updating the information provided, evaluate this reporting. Why is there a {$1400.00} balance showing if it is a charge off account when a charge off account should have a balance of {$0.00}? Please put a quick end to this false reporting.
Product: Checking or savings account

On XX/XX/2021 I contacted Chime ( my bank ) to start a dispute # XXXX for a charge on my debit card for {$1900.00}. I called the bank a couple of days prior while the charge was still pending to stop payment and was told I had to wait until the charge cleared. I was told that the dispute process can take up to 90 days to resolve and was given a resolution date of XX/XX/2021. On XX/XX/2021 I contacted Chime to find out the resolution and was told the merchant has not responded ; therefore, the investigation team has not yet entered a resolution. The dispute agent sent a ticket to the investigation team and told me they have 3 business days to respond back to me via email. On Thursday, XX/XX/2021 I called Chime again because I still have not gotten a response from the investigation team. A dispute agent entered another ticket # XXXX I spoke with a floor manager in the dispute department just to be told the same thing -- he is sending a ticket to the investigation team for the resolution and they have 3 business days to respond via email. My hands were tied because I asked to speak to someone in the investigation department and was told they had no way of contacting that team. He entered another ticket # XXXX for the investigation team. He provided me an email address which I sent an email to and have yet to receive a response. On Monday, XX/XX/2021 I contacted Chime again and was told by the dispute agent that it is unacceptable that the investigation team is not responding. I was told that I should have heard back by now and that because the merchant has not responded within the 90 days the investigation team should have had a resolution by now. She agreed with me when I said I should have had my {$1900.00} back in my account. Again another ticket to was sent to the investigation team. Again, I spoke with a floor manager to no avail. I called again Tuesday, XX/XX/2021 to no avail. Today, I contacted Chime once again, spoke to a dispute agent who said she is going to escalate this issue to the investigation escalation department and I should receive an email in 1 to 3 business days. After she entered a ticket I received an email from a leader in the dispute department who writes in the email that they are currently working with the merchant to investigate my claim and that Visa allows 30 days for the merchant to respond to all inquiries. The merchant had 90 days to respond and neglected to respond so why is Chime allowing more time? I should have received my money back by now not provided with that answer.
Product: Payday loan

Cash Central Pay Day Lenders obtained a Hard Inquire from XXXX XXXX XXXX which had damaged my credit scores and had damaged my financial needs to obtain a loan from other financial lenders. Cash Central informed me on XXXX/XXXX/2015 that although my credit score from XXXX ( XXXX ) is good my application is not accepted for a short term loan. Previously, Cash Central stated that they NEVER obtained a Credit Score directly from XXXX but records found in my credit reports indicates that Cash Central obtained a Hard Inquire from XXXX XXXX , XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXXXXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )