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

ERC COLLECTION AGENCY POPULATED FOR {$75.00} on credit report. 

They never sent me a letter. 

Their calls are recorded and two different reps admitted no letter sent. 

They transferred me to someone else who all of a sudden said they mailed a letter. 

No letter ever mailed/received and it is on my credit report. I was not allowed under the FDCPA to receive a letter and have my right under that law to dispute. 

This debtor is unknown to me, I dont have any established accounts with them, they are rude, abrasive on the phone and have violated my consumer rights I want this removed from my credit report immediately. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I submitted a complaint to the following credit Bureaus XXXX XXXX XXXX and Experian stating the the information that they are reporting on my account has been inaccurately reported and needed to be corrected they today XX/XX/22 they have yet to get back to me with a response or result I wish to have the items removed from my credit report for they have been a burden on my financial health.
Product: Debt collection

I first found the collection company reporting on my Equifax credit report. I disputed it with Equifax on XXXX XXXX, XXXX. After they did not resolve the issue, I contacted XXXX XXXX XXXX on XXXX XXXX, XXXX and asked them to validate the debt they claim that I owe. I have been having trouble with insurance companies double billing me for services in part because I had two health insurance companies that had to coordinate. I have not received validation of this debt but it is still reporting on my Equifax Report. I am requesting that XXXX be removed from my Equifax credit report.
Product: Credit reporting or other personal consumer reports

There were many unauthorized inquiries on my reports as well as misspelled names. The following inquiries are just a few. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All of the auto requests on my report from XXXX have been falsely applied for on my credit reports. There are many. There are also credit cards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX There have been many mispelling of my name. Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX There have been many incorrect addresses. Addresses : XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY Please correct my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My right to privacy pursuant to 15 USC Section 602 has been violated by Experian Credit Reporting Agency under my account XXXX. 
Pursuant to 15 USC 1681 Section 604 A, Section 2, a Consumer Reporting Agency shall not furnish an account without my written instructions.

my right under 15 USC 1666B has been violated by experian for reporting late payments on my account with XXXX XXXX and XXXX.
Product: Credit card or prepaid card

Discover Card sent me a promotion in the mail for 0 % interest for 14 months on {$4000.00} dollars. After I got the card, they began charging me interest. I spoke with them numerous times and they just said their records show an interest fee. That's it. They just get away with false advertisement and go on. I'm paying off the full amount and will never deal with them again. They are a scam company big time and don't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Capital One Bank has two 30 day past due for the XX/XX/XXXX and XX/XX/XXXX. I have not been past few on these accounts
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$540.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to buy a home. I had received an eviction letter from where i am currently renting so i reached out to American Express to see if it was possible to discuss payment options. I was advised by the representative that they would push my payment date back by 14 days and it would not report late on my credit report as long as i had paid it by the XXXX. It had reported late before the XXXX of this month. I reached out to American Express quite a few times on trying to get this resolved. I was provided 2 different numbers. The representatives mention they are going to try to help and the following numbers provided to me was a Credit Bureau Unit team - XXXX and the other number i think is customer service but it was XXXX. When i would call i was told that group could not assist me and to call the other number. I was getting bounced back and forth. I tried chatting online a few times about it as well and via social media but was advised to call those numbers. I did pay both of my cards in full before the XXXX which was the date that was advised by a rep i had chatted with.
Product: Money transfer, virtual currency, or money service

I have {$200.00} on my venmo account sent by my friend i tried adding my XXXX XXXX  account to venmo after I did, I wanted to transfer that funds to my XXXX XXXX  then venmo suspended my account that same day they sent me an email to provide my id then I did after 2 days they sent me an email that my account is permanently closed and my funds would be held for 180 days dang! XXXX XXXXXXXX they don't have the right to hold my money for 180days I need my money from them I did nothing wrong I even asked them if they could refund my friend who is the sender they said no till after 180 days I cant wait for 180 days that's 4months so ill like them to return my money either to the sender or my bank account then I don't have anything to do with them. 

This transaction of {$200.00} takes place on XX/XX/XXXX at XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF HUMAN TRAFFICKING AND I NEED YOUR URGENT HELP TO HELP ME BLOCK THE INFORMATION THAT IS IN RESULT OF 605C HUMAN TRAFFICKING AND PLEASE BLOCK AND REMOVE THE ADDRESS OFF MY CREDIT REPORT AND ONLY LEAVE MY CURRENT ADDRESS WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN IS REFUSING TO REMOVE THIS FRUADULANT ADDRESS OFF MY CREDIT REPORT ALTHOUGH IVE CONTACTED THEM MULTIPLE TIMES.THEY KEEP TELLING ME THAT ITS LINKED TO AN ACCOUNT WHICH I HAVE EXPLAINED TO THEM THAT THE ADDRESS 'S ARE LINKED TO HUMAN TRAFFICKING AND ITS NOT MINE. THEY STILL DIDNT HELP ME SOLVE MY ISSUE
Product: Checking or savings account

My complaint involves actions by and between XXXX and PNCBank, where I have two checking accounts and a savings account. I have never given XXXX my banking credentials nor authorized them to deposit or withdraw funds from any of my accounts. XXXX provided a credit to my account at PNCBank and later reversed the credit. I saw the transaction of the {$60.00}. credit listed in the transactions column online near the time I called into XXXX to complain of having overpaid them, around XX/XX/2021. I was promised a credit via phone and did witness the {$60.00}. having been credited to the account soon after phone conversation. Later, I noticed the credit was no longer there, but that my bill pay to XXXX had been reversed of {$69.00}. PNCBank denies that a credit of {$60.00} was ever made by XXXX. I believe that PNCBank and XXXX have an arrangement where XXXX has been granted permission to violate my privacy. This is the second time I have had this issue come to my attention. Previously, XXXX went into my bill pay account and changed the dates of my payments to coordinate with their preferences. I called PNCBank and complained and removed XXXX e-bill status. Again, I have never given XXXX my checking account credentials, I have exclusively used bill pay with autopay to send an electronic check to them. I believe PNCBank is very remiss in accommodating the wishes of the vendor over the customer, compromising the privacy and integrity of a customer 's account giving unauthorized access to my account to XXXX. PNCBank XXXX XXXX today has fully cooperated with PNCBank policy to erase its transactional history and lie to me the customer of the existence of the {$60.00}. credit.
Product: Credit reporting or other personal consumer reports

I am writing in regards to a past account XXXX with XXXX XXXX for a XXXX XXXX XXXXXXXX. I am requesting to have the late charge payments from XXXX to XX/XX/XXXX that shows up in my credit report, erased and for credit bureaus to be notified of this change after no due diligence from XXXX XXXX to investigate the issue and correct it, in accordance to credit protection during XXXX. 

The reason for this request is because at the time I was experiencing some severely difficult financial hardships as well as mental health issues, as explained to XXXX XXXX at the time. I have evidence of letters sent to XXXX XXXX and responses that led to no resolution. 

I managed to pay it off in full and continued making payments on time without any late payments after that. I asked to not be condemned and have my credit affected negatively during a difficult time. Before investigating my rights with a lawyer, XXXX DID NOT tell me that I could pay off the late balance to avoid repossession. They threatened to repossess the vehicle and charge off my account. I let them know I knew my rights and they let me pay off the late balance and full, restored my account in which I made no late payments until the remainder of my time with the vehicle. 

I would be greatly appreciative if you could help me with XXXX, who has been evasive in helping to remove late payments from XXXX XXXX XXXX XXXX XXXX and report changes to credit bureaus. 

Please let me know if you have any questions. 

Best, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you 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, and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$46000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

On XX/XX/2020, at XXXX XXXX, I received a text message from Bank of America ( BOA ) asking me to verify 3 transactions. Two from XXXX and one from XXXX 's. As requested by the text I responded NO I did not recognize one or more of the transactions ( the two from XXXX ). I also immediately called BOA to inquire about the situation, to inform them that I had not shopped at XXXX, and that I still had my card in my possession and so had no idea how this could have occurred. I explained this was a fraudulent transaction, that I had no idea how such purchases at XXXX could have been made/attempted to be made, that I was happy BOA captured the situation, that I did want to make a fraud claim, and that once the thieves were found I wanted to criminally prosecute them. On XX/XX/2020, they denied my claim. On XX/XX/2020, I filed an appeal pointing out each of the inaccuracies in BOA 's so-called findings and requested a thorough investigation. On XX/XX/2020, I received another form letter from BOA, not addressing any of the issues I raised in my appeal dated XX/XX/XXXX and again finding that the fraud was on my part, that I was being charged the amount of the theft at XXXX and that BOA would be contacting my credit agencies to note its findings. As a 32-year customer of BOA without a single issue during that entire history, I am appalled that they did not take my fraud claim seriously, found me at fault, and failed to provide any proof of an alleged investigation beyond a form letter which says nothing. I thought that fraud units were in place to protect the customer from theft, not to facilitate the theft, and not ruin the financial name of a loyal fiscally responsible customer. All documents are attached for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD ALERT on my credit file REMOVED. To whom it may concern, It has come to my attention that my credit file with your company contains a fraud alert. I do not wish this fraud alert maintained on my credit file. Please remove it immediately. To assist you in verifying my identity I am enclosing a copy of my state issued drivers license and my social security card. Please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRA furnishers of this information. Please also forward to me confirmation that this has been done. I have enclosed my drivers license and social security card. If for any reason you need to contact me, my contact info is listed above. In accordance with the provisions of FACTA, I  hereby request that I be sent, at no charge, a copy of my credit report. Again, please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRAs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 40 days later I have no received a response yet. I feel like im being taken advantage of and being ignored of my disputes. section 611 ( a ) it is plainly stated that a failure to investigate these items within 40 days gives a reason to immediately remove those items from my credit report. it has been over 40 days and by time you get this about 50 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
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 financial loss, and I seek appropriate redress. for these violations.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, you are report the Dispute status as "Not in Dispute" on my credit report.  

My student loans have been in dispute for over a year.  I have sent numerous disputes in writing, online, and through CFPB to XXXX, XXXX, Experian, and XXXX.  

 I have been submitting complaints and disputes through the CFPB for last three months.  I think this account is under dispute!!!

Change this to Under dispute.

I am not going to stop until this is solved.

This account is in dispute!  Here are the CFPB complaint numbers.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently discovered that my income has been wrongly included in my credit report, which is a violation of the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). 
I would like to draw your attention to the Internal Revenue Service ( IRS ) guidelines regarding the reporting of cancelled debt as income. As per the instructions found in the 1099-C form for the debtor, cancelled debt is required to include the amount as my income.INCOME is not be reported by consumer reporting agencies. However, I have noticed that this incorrect reporting of my cancelled debt which is my income has occurred on my credit report. Accounts that are to be removed are as follows ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 
This error made by the consumer reporting agencies not only misrepresents my financial situation, but it also has significant consequences for my creditworthiness and financial standing. I believe that this misinformation may lead to potential adverse effects, such as denial of credit, higher interest rates, or inability to secure loans or housing.

In light of this issue, I kindly request your intervention to ensure the immediate removal of this inaccurate information from my credit report. I am aware of the rights and protections granted to me under the FCRA, and I trust that the Consumer Financial Protection Bureau will act accordingly to rectify this situation.

I have attached copies of the relevant documentation, including the 1099-C form as per the IRS guidelines , to support my claim and provide evidence of the inaccurate reporting. I kindly request that you investigate this matter promptly and take appropriate action to correct the error.Please note that there is no federal law stating that I have to give my SSN to a consumer reporting agency to prove who I am. I have attached my ID.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. q681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.