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

I've reached out to the three major credit bureaus, XXXX, Equifax and XXXX to dispute a inaccurate information listed on my credit report. 

The first inaccurate information listed was a collection account. The account was posted to my report in XXXX of XXXX. All the bureaus had a different address for this collection company and I sent out three separate letters asking for verification on XX/XX/XXXX after trying to dispute with the credit bureaus. When this account was posted to my report on XXXX of XXXX, it had a balance of {$4900.00}. With no payment from me the amount was then updated to {$4000.00} on XX/XX/XXXX. I disputed this account that they are in violation as the information is inaccurate because the collection company can't seem to provide a one specific balance. Because I wasn't getting a response to my concern, I took screenshots directly from my report so they can address the exact problem and my concerns are not being addressed. The results just keep coming back as verified and updated but the information that is being updated to is still incorrect. One of the collection agency, XXXX  didn't even had a balance for months just a name.

The second item is the payment history on two of my accounts. One for a closed car note and another for student loan account.

The car note is listed as 30-day and 30-day late in XXXX and XX/XX/XXXX on XXXX and XXXX  however on Equifax it them shows 60 and 60 with no prior late payment. How is this possible. It is inaccurate. 

The Student loan shows 60-day late in XX/XX/XXXX with not prior 30 day late notice, again how is this possible? It is inaccurate and needs to be updated. 

I've reached out several times and nothing is being done to address this violation. I will attached the letters sent advising the bureaus of the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I was victim of fraud, on XX/XX/XXXX I sent letter to upstart network finance to explain that I see they report to credit bureau that I have late payment, they have remove the account in my credit report now I see it comeback to my credit report .i did never take any loan or authorized anyone to take any loan or purchase anything on my name .i would like this to permanently delete from my credit report
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 proces 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 31 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I opened a XXXX Credit Card at a XXXX outlet on XX/XX/2021. I order a refrigerator, and convection oven microwave, with delivery and warranty. I spoke to my wife and she wanted to go with me in person to purchase the fridge, so I called the next day and cancelled, that was done. That Friday XX/XX/XXXX they were delivering the Convection microwave, my wife stayed home to receive the delivery. They called me later in the day around XXXX I was told he was on his way ( 50 minutes away ). XXXX the same guy told me his truck broke down in XXXX XXXX XXXX He gave me his word and promised he would deliver the microwave the next day ( He lied ), no calls - nothing. The next week a managers calls me and asks when do I want to reschedule the delivery saying I cancelled ( I explained to him the situation ). I knew for a month my families schedule was packed, so I couldn't give him a date. I have 1 month to return the item so 2 weeks later I called to return/cancel the convection microwave ( returned over the phone very difficult I had to go in person and call 5-6 times, but it was returned around XX/XX/2021, 2 weeks following the initial try ). Everything including the warranties were to be taken off. 
They took off the fridge warranty, but never the Convection microwave warranty I have requested it be taken off 10+ times and opened 1 dispute and if call the store they hang up on me, XXXX corporation tells me they will have the store reach out to me, instead of them taking care of it. The amount has never been taken off and I received a payment request for {$220.00} for the warranty that still has not been taken off, as of XX/XX/2021 for nothing. Sorry for the long explanation, will you please help, they have wasted 5-7 hours plus of my life. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX there is two inquiries, XXXX XXXX inquiry, and XX/XX/2020 inquiry, XX/XX/2020 is also a inquiry I have no knowledge of doing. This was done without my knowledge and without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Spring Oak Capital LLC a certified green receipt for 1006.34 Validation request letter, which that have signed and received on XX/XX/2022. I have not heard or received any thing in regard to my request. I have also called XXXX and advise them that per 1006.34 ( b ) ( 5 ), Spring Oak has not responded or followed the law that has been put in place for validation of debt. I am following the laws that have been put in place for debt collection and the credit reporting agencies to follow, which now debt collector or credit reporting agencies have been doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on Multiple Attempts with TransUnion to get 75 unauthorized inquiries off my report. They have refused to work with me each time. They consistently tell me that they can not help me and are unable to delete inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported my account as delinquent. I do not have to pay because my loans are deferred every year through XXXX which is a scholarship that pays for my loans as long as I teach for the year. I called the company and they verified my loan is in good standing and has been fixed, but this has not been fixed on my credit report.
Product: Credit reporting or other personal consumer reports

The account appearing on my credit report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be deleted. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX. 
ACCT NUMBER : XXXX DATE : XX/XX/2019
Product: Credit reporting or other personal consumer reports

I XXXX XXXX is a victim of fraud and I was robbed at XXXX XXXX a couple years ago by XXXX XXXX and XXXX was only caught and I have a police report for proof and the case is still on going the guys who XXXX  me had everything from my social security card Drivers license debit cards my passport and more they took everything. I also have proof from irs that I am a victim of fraud where the person tried to file my taxes got apartments, phones etc in my name and I am trying to get these accounts removed from my report ASAP. XXXX. XXXX XXXX XXXX for {$530.00} XXXX XXXX  for {$2000.00} XXXX. XXXX XXXX XXXX for {$8200.00}. I also need the FRAUD ALERT REMOVED FROM MY ACCOUNT I CANT apply for anything and i stay getting denied. I just ask that I get this resolved and removed and move on with my life I would greatly appreciate it. Even on my social security card the date it was issued is on there because it was a replacement!
Product: Credit reporting or other personal consumer reports

I have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX hired Financial Asset Management Systems to collect on a private student loan. Financial Asset Management Systems XXXX FAMS XXXX had previously stated in a Consumer Financial Protection Bureau complaint that I had filed that they do not save credit card information. Their statement was false and deceitful because I went online today to make a payment to the FAMS online payment website and they had XXXX different credit cards saved under my name and account information. FAMS is intentionally misrepresenting that they do not save credit card information when in fact they do save credit card information as is shown in the attached .jpg file which I screenshoted to show that FAMS does save credit card information even though they had previously stated in a prior CFPB complaint that they do not save credit card information. FAMS is engaging in deceitful debt collection and misrepresenting their business practices which is a flagrant violation of the Fair Debt Collection Practices Act. FAMS lied when they previously stated in a prior CFPB complaint that they did not save credit card information which was a flagrant lie and I have proof that they lied to me about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by One Mains attorney to work out a payment plan. We agreed that I would pay it and I let the attorney know that Im doing my best during this Covid pandemic to pay my bills to please be lenient with me but they issued a garnishment on my wages anyway and taking in excess some months more than 800 dollars and still posting on my credit report each month that I am past due and this is and delinquent account in a charge off status and this is continually hurting my credit every month even though I am constantly paying on this every week I get paid.
Product: Credit reporting or other personal consumer reports

THESE SOFT INQUIRIES ARE FRAUDULENT AND DOESN'T BELONG TO ME AND NEED TO BE REMOVED. ALSO THE NEST AS WELL. THANKS REMOVED : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

I've been fighting with Continental finance company for over a year about fraudulent activity on my XXXX XXXX account. I've reached out over and over. Every single time I get someone on the phone, I have to explain the situation all over again. Each rep promises to investigate and get back to me, or escalate to upper management. I don't hear back from them. They reported my account 60 days late and my score across all bureaus took a 40+point dive each. I've called and complained and each time they promise to get back with me within the week, but I never hear back from them. Every investigation reported concludes that it's individual responsibility, even though they have definitive proof it wasn't me who made the purchases. I'm currently making the minimum monthly payment to protect my credit. I've been paying on this account since before the fraud was committed and I'm tired of paying for purchases plus interest, someone else made. I asked about consumer protection and fraud liability that's suppose to be automatic, yet they allowed info on my account to be changed including personal address and payment account number. They won't fix the problem. Instead they lie and string me along and i Personally feel like they're going to drag this out until I end up paying the bill in full then close my account. They told me to keep making the minimum payment and once the investigation was done, I'd be refunded any money I paid in. This was of course after they reported my account being 60 days late which was a result of fraud as well. they also promised to remove that but it's still showing on my credit report. I feel helpless and out of options. I'm not sure what else can be done except take them to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed XXXX  and Experian that my social security number has been compromised, and I am a victim of identity theft. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts posted on my credit reports. Below are the fraudulent accounts that should be immediately removed : ACCOUNT NAME AMOUNT DATE OPENED XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX ( Experian acct ) {$1900.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax '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 XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX 
Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Within the last year I have fell behind on my mortgage with US Bank. The reason being is because the insurance rate went up and my mortgage went up over XXXX per month. US Bank told me I could apply for a loss mitigation program which I did. All the payments were made through the trial period and once complete I was denied because they said they never received the forms. I mailed them directly from the XXXX XXXX XXXX. I am being told I owe more then they are able to calculate with late fees and delinquencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  closed my account after the first month. Pursuant to 18 usc 8, i owe no debt, this company is violating my consumers rights to privacy to 15 usc 1681b 2.company have NO permission to report ANYTHING using my info to Pursuant 15 1681 4.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX, RE : Notice of Violation of the Fair Debt Collection Practices Act XXXX Acct : XXXX Dear Credit Collection Services, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p .

If you are not aware this entire claim is regulated by an arbitration agreement with The company that originated this account, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 
I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 
With that, my demands are as follows : XXXX. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 
Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and I am an XXXXXXXX XXXX XXXX. I have worked in financing and credit for XXXX years. My credit scores are much lower than XXXX with similar credit. I have viewed hundreds of credit reports of all races and ethnicities. Additionally, I am receiving messages from XXXX XXXX and other online credit reporting apps stating that my rates are higher and my score is lower than many others that have similar credit. My score is in the XXXX and I have no collections or major delinquencies. However, what I do have is a social security number that is coded I am a XXXXXXXX XXXX. This is so unfair and I am ready to sue and advocate for change.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint below was sent to Equifax, XXXX and XXXX in XXXX. So far XXXX and XXXX did their part. Equifax has not responded about the status of my dispute with XXXX card. Nor can I get into my Equifax account online. I want this XXXX card removed from my credit report. Theres a 30 day late mark that should not be there due to fraudulent activity with this credit card. XXXX failed to send paperwork for dispute that I put in which, I did inform several XXXX reps. I want this 30 late mark removed from my Equifax report **previous dispute below** XXXX credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.